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At Online Resources, we make bill payment look easy-thanks to the decade of hard work and experience that's gone into creating Internet Bill Payment. Today, we have the highest payment accuracy rate, a high percentage of electronic payments, and the lowest rate of payment inquiries in the business. What's more, consumers find our interface easy to use and navigate.

• Our distinctive patented real-time, guaranteed funds model enables us to leverage the existing architecture of the ATM networks to access real-time balance information during a user's online bill payment session.
• We continually manage our extensive master database of merchants and payment instructions, ensuring correct delivery of your consumers' payments.
• Our staff constantly monitors our electronic transactions for timely completion.

Taken together, it's this level of vigilance and experience that makes Quotien Internet Bill Payment, far and away, the gold standard.

Online Resources turns the complicated bill payment process into a simple proposition: When a consumer makes an electronic payment, it should be presented to the correct payee in the shortest amount of time.

• We've created a network of contacts at our major payees to help us monitor changes in their systems.
• We constantly map coupon addresses to electronic remittances.
• We reconcile payments and remittances to the exact penny every day so that we can account for every transaction.
• We continually monitor delivery to ensure that electronic payments arrive in two days and that most paper payments arrive in two.
• We examine payment trends to detect problems before they become widespread.

Money HQ^SM — Transform your online banking and bill payment service into your consumer's online financial center.

Quicken® OFX Connectivity — Quicken® OFX Connectivity gives your online banking and bill payment consumers the ability to transfer funds and pay bills from your Quotien site or from within Quicken®, a leading financial management software product from Intuit.

Quotien Support Services — Combine customer care, relationship marketing, training, and a variety of professional services and transform a "me-too" offering into a genuine profit center.