Frost Upgrades ATM System with ACI Solution

New York, NY - 6 November 2007

ACI Worldwide (NASDAQ: ACIW), a leading international provider of software for electronic payment systems, today announced that San Antonio-based Frost is live on BASE24-eps™ version 6.4 and ACI Payments Manager™ version 6.4 running in an open systems environment. Frost, the banking, investments and insurance subsidiary of Cullen/Frost Bankers, Inc, is one of the largest banking organizations based in Texas, with $13.2 billion in assets. The company first implemented BASE24-eps in 2005 to replace an outsourced ATM solution. The bank’s migration to BASE24-eps version 6.4 will bring over 300 ATMs in-house from the bank’s existing processor. This will give the bank more control over ATM operations and optimise the use of new services and features for their customers.

The migrations to version 6.4 of both BASE24-eps and Payments Manager were seamless transitions for both Frost and ACI’s project team. The bank experienced no unexpected downtime or interruptions in its daily business, and the migration was virtually transparent to customers.

“We are very pleased with the way this migration was implemented,” Ray Zapata, senior vice president for Frost, said. “To have no unplanned or unexpected interruptions is a testament to the effort of the ACI and Frost project teams."

“The BASE24-eps and Payments Manager migrations positioned Frost to take advantage of an in-house systems deployment in terms of control, management and launch of new services,” said Tom Houghton, vice president of services at ACI.

BASE24-eps represents the next generation of ACI’s world-class payments platform. The software is an integrated solution to acquire, authenticate, route, switch and authorise financial transactions across multiple channels.

“We have been very pleased with the stability and quality of BASE24-eps,” said Zapata. “The additional security and features in version 6.4 will allow us to do more in-house, which will allow us to save money and improve customer service.”

The bank also implemented the latest version of Payments Manager to manage reconciliation with the Pulse network and provide settlement and reporting for the bank’s ATM network.

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