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Forward-looking Statements

Online Resources Corporation Strategic Performance 4 th Quarter and Full Year 2002 Earnings Conference Call Nasdaq: ORCC. Forward-looking Statements.

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Forward-looking Statements

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  1. Online Resources CorporationStrategic Performance4th Quarter and Full Year 2002Earnings Conference CallNasdaq: ORCC

  2. Forward-looking Statements • The following information from Online Resources Corporation contains statements about future events and expectations of Online Resources, which are “forward-looking statements.” Any statement that is not a statement of historical fact may be deemed to be a forward-looking statement. These statements include: • Forecasts of growth in and penetration of Online Resources’ financial institution customer base, increases in the number and pricing of transactions being processed by financial institution customers and the industry in general, and growth in the number of consumers using online banking and bill payment services; • Statements regarding Online Resources’ plans for achieving profitability and its business outlook for 2002 and beyond; • Statements regarding Online Resources longer-term profit targets, including but limited to user adoption rates, gross margin, and net margin targets; • Statements regarding Online Resources’ cash position and its ability to cover operating losses; and • Other statements, including statements containing words such as “anticipate,” “believe,” “plan,” “estimate,” “expect,” “seek,” “intend,” and other similar words that signify forward-looking statements. • Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Specific factors that might cause such a difference include, but are not limited to: our history of losses and anticipation of future losses; our dependence on the marketing efforts of third parties; the potential fluctuations in our operating results, in light of adjustments to be made as a result of recent financial accounting pronouncements and trends in the economy; our potential need for additional capital; our potential inability to expand our services and related products in the event of substantial increases in demand for these services and related products; our competition; our ability to attract and retain skilled personnel; our reliance on our patents and other intellectual property; the early stage of market adoption of the services we offer; and consolidation of the banking and financial services industry.

  3. Financial Highlights Chart #1 – Financial Highlights Over Past 3 Years YE 1999 YE 2002 GROWTH* Revenue $8.4M $32.4M 57% Gross Margin (8%) 55% 290% EBITDA ($12.5M) $3.6M 166% EPS ($2.45) ($0.03) 77% *Compound Annual Growth Rate

  4. Distribution and Usage Chart #2 – Distribution and Usage Over Past 3 Years YE 1999 YE 2002 GROWTH* FI Clients # 377 53412% Potential Users 7.6M 9.9M 9% Users 135K 623K 66% Banking Adoption 2.7%11.2% 61% Billpay Adoption 1.6% 4.2% 38% Transactions 11.6M 74.2M 86% Bill payments 2.3M 16.5M 93% *Compound Annual Growth Rate

  5. Strategic Assets Chart #3 – Strategic Asset Development Over Past 3 Years YE 1999 YE 2002 Product &* solid Billpay* strong Banking & Billpay Infrastructure * scale-up issues * an industry leader in systemand service quality * robust consumer marketing Market Position * emerging * strong in Billpay * gaining share in banking Leadership & * entrepreneurial * professional mgt & processes Staff * many new * highly trained, experienced employees staff

  6. Strategic Assets Chart #4 - Targets Over the Next 3 Years GOALS Product & * enhanced consumer marketing and eCRM Infrastructure * better plug & play for third parties (J2EE) * expanded payments capabilities Market Position * continued share increase in Billpay * increased share in banking Leadership & * cultivating the next mgt generation Staff * more opportunistic management through decentralization

  7. Distribution and Usage Chart #5 - Targets in 3 Years GOALS* FI Clients # Less meaningful measure Potential Users 11-13M checking accounts Users 1.3M or more Banking Adoption 20-30% Billpay Adoption 7-9% Transactions 2-3 times present level Bill payments 3-4 times present level *YE 2005

  8. Financial Highlights Chart #6 - Targets in 3 Years GOALS* Revenue 15+% annual growth organically, plus additional growth - new products & acquisitions Gross Margin 50-60%, stabilized EBIT 10-15%, going higher *YE 2005

  9. Nasdaq: ORCCFor more investor informationon Online Resources Contact Beth Halloran Director, Corporate Communications 703.394.5248 bhalloran@orcc.com

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