The Next Generation of Online Bill Pay

2 © 2010 – Proprietary & Confidential The Next Generation of Online Bill Pay is Here!

3 © 2010 – Proprietary & Confidential Home

4 © 2010 – Proprietary & Confidential Home: Overview

5 © 2010 – Proprietary & Confidential Home: Overview

6 © 2010 – Proprietary & Confidential Home: Overview

7 © 2010 – Proprietary & Confidential Home: Overview

8 © 2010 – Proprietary & Confidential Home: Overview End-users will have Quick Links on every screen that will allow them to quickly maneuver to key screens. Add Payee – The End-user will be directed to the add payee screen. Make A Payment – The End-user will be directed to the payment center. View Demo – The End-user will be able to view a demo of the online bill pay product.

9 © 2010 – Proprietary & Confidential Home: Overview

10 © 2010 – Proprietary & Confidential Home: Overview The Help option will display information that is specific to the screen the End-user is on.

11 © 2010 – Proprietary & Confidential Home: Overview Just as you do today, your Financial Institution will still have the ability to display Global Messages to all End-users at the bottom of the home screen. Note: To learn more on how to display global messages to your end-users please go to the client forum and listen to the “QRC Marketing Utilities” recorded training.

12 © 2010 – Proprietary & Confidential Home: MoneyHQ

13 © 2010 – Proprietary & Confidential Home: External Transfers

14 © 2010 – Proprietary & Confidential Bill Pay: Payment Center

15 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay A Bill

16 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay A Bill

17 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

18 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

19 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

20 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

21 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

22 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

23 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills End-users will now have the ability to add a memo (note to self) to each of their payments. This memo will not appear on the actual payment to the merchant. The End-user will be able to view this memo within Online Activity

24 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

25 © 2010 – Proprietary & Confidential Bill Pay: Payment Center / Pay Multiple Bills

26 © 2010 – Proprietary & Confidential Review Payment Screen The End-user will be presented with the review payments screen each time they submit a new payment. They must click on the “Submit” button in order for their payment(s) to be submitted. Note: This screen is replacing the two-step logout and session summary screen.

27 © 2010 – Proprietary & Confidential Review Payment Screen The End-user will be presented with the Send On date for each of their payments on this screen. This is the date the funds will be deducted from their account.

28 © 2010 – Proprietary & Confidential Review Payment Screen

29 © 2010 – Proprietary & Confidential Debit Impacts  Going forward, in order to ensure a consistent experience for end- users when scheduling payments, the “Send On” date calculated by the online service for standard payments will always be the latest available debit date that will allow Online Resources to deliver the payment on-time. As a result of this debiting logic, Online Resources will no longer perform weekend debits to end-user accounts for standard bill payments.  Please note: if offered by your Financial Institution, Expedited Payments are not impacted by this debit timing change.  Payments that your end-users have scheduled as of the date of your release will not be changed to the new “Deliver By” scheduling methodology. The “Send On” date originally entered by the end- user (even if it is a weekend day) and the corresponding “Deliver By” date for their payments will remain in effect and will be used to debit and remit the payment.

30 © 2010 – Proprietary & Confidential Bill Pay: Payment Activity

31 © 2010 – Proprietary & Confidential Bill Pay: Payment Activity

32 © 2010 – Proprietary & Confidential Bill Pay: Payment Activity

33 © 2010 – Proprietary & Confidential Bill Pay: Payment Activity

34 © 2010 – Proprietary & Confidential Bill Pay: Payment Activity

35 © 2010 – Proprietary & Confidential Bill Pay: Payees

36 © 2010 – Proprietary & Confidential Bill Pay: Payees

37 © 2010 – Proprietary & Confidential Bill Pay: Payees

38 © 2010 – Proprietary & Confidential Bill Pay: Payees End-users will now have the ability to update their payee’s addresses online.

39 © 2010 – Proprietary & Confidential Bill Pay: Payees

40 © 2010 – Proprietary & Confidential Bill Pay: Payees – Add A Payee

41 © 2010 – Proprietary & Confidential Bill Pay: Payees – Add A Payee By popular request from our clients, the Payee Nickname field has been expanded to 25 characters.

42 © 2010 – Proprietary & Confidential Bill Pay: Payees – Add A Payee

43 © 2010 – Proprietary & Confidential Bill Pay: Payees – Add A Payee

44 © 2010 – Proprietary & Confidential Bill Pay: Payees – Adding An Individual

45 © 2010 – Proprietary & Confidential Bill Pay: Payees – Adding An Individual

46 © 2010 – Proprietary & Confidential Bill Pay: eBills

47 © 2010 – Proprietary & Confidential Bill Pay: eBills

48 © 2010 – Proprietary & Confidential Bill Pay: eBills

49 © 2010 – Proprietary & Confidential Account Services: Services The options presented on the Account Services tab have been streamlined and organized into End-user-friendly categories.

50 © 2010 – Proprietary & Confidential Account Services: Manage Alerts

51 © 2010 – Proprietary & Confidential Manage Alerts: eBill Alerts

52 © 2010 – Proprietary & Confidential Consumer Education Campaigns

53 © 2010 – Proprietary & Confidential Just for You! Thank you for attending this valuable training webinar! To show our appreciation for your attendance, each employee who attended today’s training is eligible to enter a free sweepstakes, courtesy of Online Resources! Simply send your name, your financial institution name and number, and your business mailing address to: The winner will receive a $2,500 credit towards the purchase of a new product or service from Online Resources*! Thank you again for attending - we appreciate your business! * Winner will be selected at random on July 30, Credit must be used by December 31, 2010.

Welcome to the New Generation of Online Bill Pay!

MoneyHQ Enhancements

56 © 2010 – Proprietary & Confidential MoneyHQ Enhancements  Enhanced MoneyHQ integration and removal of MoneyHQ tab  New MoneyHQ home page  More prominent display and integration of the MoneyHQ Account Aggregation feature  Convenient new location of MoneyHQ account details  Streamlined Account to Account/External Transfer process  Ability for end users to now conduct future and recurring Account to Account/External Transfers  Expansion of eBills to all online bill payers and better integration of eBills with your online bill payment service  Sunset of the MoneyHQ People Payments (P2P) feature  Improved integration of MoneyHQ balance and eBills alerts  More prominent display of the Personal Finance Manager feature (spending reports)

57 © 2010 – Proprietary & Confidential Home: MoneyHQ

58 © 2010 – Proprietary & Confidential Account Summary: MoneyHQ

59 © 2010 – Proprietary & Confidential Account Activity: MoneyHQ

60 © 2010 – Proprietary & Confidential Account Activity: MoneyHQ

61 © 2010 – Proprietary & Confidential Account Activity: MoneyHQ

62 © 2010 – Proprietary & Confidential MoneyHQ: Add New Account

63 © 2010 – Proprietary & Confidential MoneyHQ: Add New Account Step 1

64 © 2010 – Proprietary & Confidential MoneyHQ: Add New Account Step 2

65 © 2010 – Proprietary & Confidential External Transfers: Overview

66 © 2010 – Proprietary & Confidential External Transfers: Transfer Funds

67 © 2010 – Proprietary & Confidential External Transfers: Transfer Funds

68 © 2010 – Proprietary & Confidential External Transfers: Transfer Funds

69 © 2010 – Proprietary & Confidential External Transfers: Manage Accounts

70 © 2010 – Proprietary & Confidential MoneyHQ: Personal Finance Manager

71 © 2010 – Proprietary & Confidential MoneyHQ: Alerts

Welcome to the New Generation of Online Bill Pay!