Investments

Online Resourses Study Supports Growth in Balances for Premium Service

CHANTILLY, Va., November 21, 2005 -- Online Resources Corp. (NASDAQ: ORCC), a leading provider of Internet financial services, today released results of a study on the impact of its premium online financial management service, Money HQSM, on deposit account balances. Results show that for those consumers who were enrolled in Money HQ for one year, deposit account balances increased 115 percent more than those of consumers who were not enrolled.
From October 2004 through October 2005, Money HQ end-users' deposit account balances increased 48 percent, compared to 22 percent for a control group of online banking end-users who did not enroll in Money HQ. The study included checking, savings, certificate of deposit, IRA savings, and money market accounts of over 2,000 online consumers.

Bank Of America Investment "These results strongly indicate that as online banking reaches critical mass, financial institutions can also benefit with higher balances and fees from premium services like Money HQ," said Matthew P. Lawlor, chairman and CEO of Online Resources. "Just as billpay has been proven to deepen consumer relationships, so too can additional innovative, value-added services."

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Investment Opportunity Money HQ is a premium service that is optional for consumers and is typically offered by participating financial institutions for a fee. The service provides access to third-party financial account information, detailed bill presentment, security alerts, and advanced payment and funds transfer tools. Critical to the success of these services is seamless integration with conventional online banking and bill payment capabilities, along with highly specialized consumer marketing.

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Banc Of America Investment Since launching the service two years ago, 170 financial institutions have launched Money HQ. Online Resources also provides customized and targeted ICM marketing to drive consumer adoption of Money HQ and other online financial services.

- The minimum balances for accounts, interest rates and charges for account services. Online Banking Services One bank may specialize in home loans or auto loans while another may focus on commercial loans for businesses. Some banks may only offer basic deposit accounts while others have lock box services, sweep accounts, and even online banking! It's very important to

Banking Investment
About Online Resources
Online Resources powers Internet financial services for over 800 firms nationwide. The Company's proprietary account presentation, payment, relationship management and professional services are branded to its client banks, credit unions, card issuers and payment acquirers. The Company serves over three million consumer end-users and processes over $12 billion in payments annually. Founded in 1989, Online Resources (Nasdaq: ORCC, Website: www.orcc.com) has been widely recognized as one of the nation's fastest growing technology firms.

These forecasts are mainly based upon growth expectations in European domestic demand of consumption and investment, and at the same time growth of foreign demand in the same fields.

Investment Solution Strategic This news release contains statements about future events and expectations, which are "forward-looking statements." Any statement in this release that is not a statement of historical fact may be deemed to be a forward-looking statement. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the Company's actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Specifically factors that might cause such a difference include, but are not limited to the Companys: history of losses; dependence on the marketing efforts of third parties; potential fluctuations in operating results; ability to make and successfully integrate acquisitions of new businesses; potential need for additional capital; potential inability to prevent systems failures and security breaches; potential inability to expand services and related products in the event of substantial increases in demand; competition; ability to attract and retain skilled personnel; reliance on patents and other intellectual property; exposure to the early stage of market adoption of the services it offers; exposure to the consolidation of the banking and financial services industry; and additional risks and uncertainties discussed in filings made by the Company with the Securities and Exchange Commission, including those risks and uncertainties contained under the heading "Risk Factors" in the Company's Form 10-K, latest 10-Q, and S-3 as filed with the Securities and Exchange Commission. These factors should be considered in evaluating the forward-looking statements, and undue reliance should not be placed on such statements.

Louis Navellier (Reno, NV) term track records of any financial newsletter editor in America. As a financial analyst and editor of investment newsletters since 1980, Navellier's recommendations (published in Emerging Growth) have gained over 4, 806 percent in the last 22 years, as confirmed by a leading independent newsletter rating service, The Hulbert Financial Digest. Emerging Growth is one of Navellier's four services, cap stock investors, term gains, and his Global Growth service for active traders focused on high growth global stocks.

Investment Banking Services Source: Online Resources

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