QATAR NATIONAL BANK SELECTS CHIP CARD MANAGEMENT SOFTWARE FROM ACI WORLDWIDE

ACI Software to Enhance Multi-Application Card Services for Qatar’s Largest Bank

(Watford, England – 13 September 2005) – ACI Worldwide (Nasdaq: TSAI), a leading international provider of enterprise e-payment solutions, today announced the licensing of its ACI Smart Chip Manager™ software to Qatar National Bank (QNB). The software will enable Qatar’s largest bank to introduce new smart cards and comply with forthcoming EMV international standards in advance of the January 2006 compliance deadline for the Middle East and Africa.

As the Qatar retail banking industry continues to develop, ACI Smart Chip Manager will pave the way for QNB customers to receive simpler and more convenient bank-issued card services with multiple applications on a single smart card when the market is ready. An ACI customer for over six years, QNB currently employs ACI’s flagship BASE24® payments software to handle over 70 million ATM and POS transactions each year.

"QNB joins a growing list of customers in the Middle East who have chosen ACI technology to help deliver world-class payment processing solutions to local customers," said Richard Launder, managing director at ACI Worldwide (EMEA). "Qatar is developing its banking infrastructure at a rapid pace by investing in state-of-the-art technology for both present and future market requirements, and QNB is leading the way with this deployment. ACI Smart Chip Manager will enable QNB to meet EMV compliance dates through smart card issuance while laying a solid foundation for additional transaction processing and customer service enhancements."

With ACI Smart Chip Manager, banks can conform to interchange mandates, generate new revenue streams and reduce the growing risks in counterfeit and skimming fraud by issuing smart chip cards. The software will help QNB issue, manage and handle the data preparation for smart cards as the migration continues from magnetic stripe to chip-based cards that enable single and multiple applications to be hosted on one card. It will also provide QNB with the ability to fully manage the lifecycle of each EMV smart card, from issuance to application parameter setting and adjustment. The solution also supports management of the personalisation and production of QNB’s cards.

"ACI Worldwide’s consultative approach and advanced technology give QNB the flexibility to enhance its future smart card services," said Ali Ahmed Al-Kuwari, general manager, operations and information and technology at QNB. "We will be recognized in the Qatari market as being among the first to issue EMV compliant smart cards."

"Our credit and debit card customers will be able to perform transactions securely," said Mr. Marwan Marouf Mahmoud, assistant general manager, information technology. "They will eventually be able to store information and add on applications on QNB’s smart cards."

The software will enable QNB to introduce new smart cards and comply with forthcoming EMV international standards in advance of the January 2006 compliance deadline for the Middle East and Africa.

ACI Smart Chip Manager, part of the ACI Commerce Framework, received the 2004 technology award for smart card services provider of the year from The Banker magazine.

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