Online Resources’ Analyst DaySeptember 23, 2005

1/17/2006

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Table of Contents

Online Resources’ Analyst DaySeptember 23, 2005

Online Resources Company Profile

“Making the Trains Run On Time”Raymond T. CrosierPresident & COO

Keys to Execution

Key #1: Organization

Keys to Execution

Stage 1Harvesting the Banking ChannelDoubling Bill Pay Adoption Through Relationship ManagementRon BergamescaSVP, Marketing

Discussion Points

Banking & Bill Pay Adoption Trends: ASP Industry

Free Bill Payment Drives Banking and Bill Payment Adoption

Online Resources’ Clients Rapidly Moving to Free

What’s Ahead for Bill Pay

Stage 1Harvesting the Banking ChannelBanking Product StrategyStephanie ChaufournierSVP, Product Management

Banking Product Direction

Continually Enrich Money HQ as a Premium Service

Money HQ - Aggregation

Banking Product Direction

Leveraging Product & Distribution Synergies

Stage 1Harvesting the Banking ChannelBuilding for Rapid GrowthPaul FrankoCTO & SVP, Technology Management

Technology Priorities

Support Growth with Scale

Enhance Security to Ensure Confidence & Trust

Expand Integration Capabilities for Differentiation

Production & Facilities TourRichard MartinSVP, OperationsDave StaffordSVP, Systems & Professional Services

Stage 2Broadening Card PresenceNew Card & Credit ProductsBill KinnellyPresident, Card & Credit Services Division

Merchant Inquiry

Merchant Inquiry

Other Opportunities

Stage 2Broadening Card PresenceIntegrating Payments CapabilitiesStephanie ChaufournierSVP, Product Management

Leveraging Traditional Capabilities for New Products & Services

Stage 3Exploiting eCommerce OpportunitiesCertnFunds & eCommerce InitiativesDan ThomasSVP, eCommerce Solutions

Consumer Online Debit is a Viable Growth Market

Positioned for Future Growth

eCommerce Opportunities

Real-time Debit for Low Cost Guaranteed Payment

Internet Bill Payment for Stored Value Card Companies

Stage 3Exploiting eCommerce OpportunitiesMultiple Synergies Across VerticalsMatt LawlorChairman & CEO

Panel Discussion: Building Market Share Through Organic SalesModerator: Ray Crosier, President & COODan Ritten, SVP, Sales & DistributionHolly Larsen, SVP, Client ServicesMark Milot, VP, Sales, Card & Credit Services

A Look Ahead: M&A and Financial GoalsCathy GrahamEVP & Chief Financial Officer

Thank You for Joining Us

Author: pfranko