ACI Worldwide, Inc. (ACI or ACI Worldwide) develops, markets, installs and supports a line of software products and services primarily focused on facilitating electronic payments. In addition to its own products, the Company distributes, or acts as a sales agent for, software developed by third parties. These products and services are used principally by financial institutions, retailers and electronic payment processors, both in domestic and international markets. Most of the Company’s products are sold and supported through distribution networks covering three geographic regions: the Americas, Europe/Middle East/Africa (EMEA) and Asia/Pacific. Each distribution network has its own sales force that it supplements with independent reseller and/or distributor networks. The Company’s products are marketed under the ACI Worldwide brand. ACI offers five primary software product lines: Retail Payment Engines, Risk Management, Payments Management, Wholesale Payments and Application Services Solutions.