1View Network Builds Internet Billing Technology for Wells Fargo.

SAN FRANCISCO--(BUSINESS WIRE)--Dec. 6, 1999--

First Turnkey OFX-Compliant Bill Consolidator Enables Wells Fargo

to Offer Consumers a Consolidated View of their Online Bills

1View Network today announced the launch of its 1View Consolidator Internet billing technology to the commercial market. Recently installed by Wells Fargo & Company for its online bill presentment and payment initiatives, 1View Consolidator, based on Open Financial Exchange (OFX), provides an open, secure and scalable platform for the aggregation and presentment of consumer electronic billing information.

1View Consolidator provides Wells Fargo with a standards-based solution for connecting to Spectrum as well as to other bill presentment providers. Our technology enables Wells Fargo to fulfill its role as a Consumer Service Provider (CSP) in this joint venture. CSP is a service that provides bill consolidation services to consumers, allowing them to receive, and potentially pay all of their electronic bills from one Internet location.

The successful implementation of the technology for Wells Fargo marks the availability of the 1View Consolidator to all financial institutions and Web portals seeking an OFX solution for enabling consumers to retrieve their electronic bills in one location via the Web. OFX is the de-facto standard for communicating financial information between institutions on the Internet. As such, the 1View Consolidator is the first turnkey consolidation solution for bill presentment. It allows a company using the technology to easily integrate with an existing Web interface.

"We are excited that Wells Fargo has successfully adopted our 1View Consolidator technology," said Mike Lanza, President and CEO of 1View Network. "Wells Fargo is a very forward-thinking financial institution to provide consumers with convenient Internet services like consolidated bill presentment and payment. Our research shows that when it comes to personal finances, consumers are overwhelmed with the logistics of managing multiple accounts and relationships. Because of this information overload, they have a growing need to consolidate their financial information and to handle their relationships from a single and easy-to-use Web location. The 1View Consolidator is just our company's first step toward meeting this consumer need."

"1View Consolidator was an ideal solution for Wells Fargo," said Sharon Osberg, Executive Vice President of Online Financial Services at Wells Fargo & Company. "The system fits cleanly within our larger Internet service offerings and has allowed us to provide bill consolidation to our customers using accepted industry standards for bill presentment. 1View's significant experience in this industry allowed us to deploy our Spectrum-compatible service quickly and reliably."

About 1View Consolidator

1View Consolidator is a software system that enables a destination Web site to gather bills from multiple biller organizations. The information is then displayed in one Web interface where users can review and potentially pay multiple bills. Features of the system include: -0-

--   Plug-in architecture, enabling new versions of OFX and IFX to be
     added easily
--   Enhanced security through data and communication encryption using
     RSA Security technology
--   100% Java scalable, multi-threaded execution engine
--   Self-contained technology that allows for simple installation and
     a clean integration process
--   Enterprise-class system that is tested in a multi-processor
     environment and designed for the largest financial destination
     sites
--   Segmented design allows for multiple branded consumer interfaces
     to be built on a single 1View Consolidator installation

About 1View Network (www.1View.com)

1View Network provides Web-based solutions to customer financial services needs. The company's technology and services allow Web users to manage their online financial relationships, and enable financial institutions to interact with their customers in new and better ways.

1View Network's management team consists of exceptional leaders and managers who have spearheaded initiatives for some of the most innovative companies and memorable brands in the online financial services industry -- E

rade, Charles Schwab, WingspanBank.com,
Intuit, Just-in-Time (bill presentment), Wells Fargo and Bank of
America. The company's technical expertise is driven by senior
engineers and developers from Internet powerhouses including Sun
Microsystems, Netscape and Sybase. With a deep knowledge of the
financial and Internet industries, superior technical ability, focused
management processes and strategic vision, the company is
revolutionizing the financial services industry.
     The 1View Consolidator(R) product is the first of 1View Network's
planned offerings in two emerging industries: Electronic Bill
Presentment and Payment (EBPP) and Electronic Content Aggregation. In
addition to the 1View Consolidator product, the company is developing
a service that provides Web users with an aggregated online view of
their personal financial information. The service will be a Web-based
"personal financial dashboard" that allows users to monitor their
financial status and manage their financial relationships from a
single "window." The customizable interface will display a summary of
a user's online financial balances, giving easy access to account
information in areas such as banking, bills, investments and frequent
traveler point balances without having to visit multiple Web sites.
     Look for 1View at the world's premier conference on retail
financial services, the BAI (Bank Administration Institute) Retail
Delivery Conference in Miami on Dec. 7-10, 1999. We will be exhibiting
as a part of both the Sun Microsystems and American Management Systems
booths.

About Wells Fargo & Company (www.wellsfargo.com)

     Wells Fargo & Company (NYSE: WFC) is a $201 billion financial
services company providing banking, insurance, investments, mortgage
and consumer finance through almost 6,000 stores and other
distribution channels across North America, including all 50 states,
and elsewhere internationally.

About Spectrum

     Spectrum is a joint venture between Chase Manhattan, Wells Fargo
and First Union to provide an open, interoperable standard and switch
for the distribution and presentation of bills via the Internet. As
the first organization to provide an open, interoperable mechanism for
exchanging online bills regardless of the technology employed by the
individual members, Spectrum will make electronic billing a reality
for the average American.