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Online Resources Opens 2003 With Higher Than Expected Earnings

Year-Over-Year Revenue Growth Exceeds 25 Percent for 30th Consecutive Quarter

Condensed Balance Sheets
(Unaudited)
(In thousands)

  MARCH 31, 2003 DECEMBER 31, 2002
ASSETS
Current assets:
  Cash, Cash Equivalents and Short-term Investments $ 8,533 $ 6,786
  Accounts Receivable, Net 4,434 3,826
  Deferred Implementation Costs 610 631
  Prepaid Expenses and Other Current Assets 848 772
    Total Current Assets 14,425 12,015
Property and Equipment, Net 7,578 7,804
Deferred Implementation Costs, Less Current Portion 426 401
Debt Issuance Costs 596 660
Other Assets 347 450
    Total Assets $ 23,372 $ 21,330
LIABILITIES AND STOCKHOLDERS' EQUITY
Current Liabilities:
  Accounts Payable, Accrued Expenses and Other Current Liabilities $ 2,638 $ 2,619
  Deferred Revenues 496 532
  Current Portion of Capital Lease Obligation 214 214
    Total Current Liabilities 3,348 3,365
Capital Lease Obligation, Less Current Maturities 57 111
Deferred Revenues, Less Current Portion 324 356
Notes Payable 12,000 12,000
    Total Liabilities 15,729 15,832
Stockholders' Equity 7,643 5,498
    Total Liabilities and Stockholders' Equity $ 23,372 $ 21,330

Media Contact: Beth Halloran,
Director, Corporate Communications
703.394.5248
bhalloran@orcc.com

Investor Contact: Catherine Graham,
EVP & Chief Financial Officer
703.394.5155
cgraham@orcc.com