ACI Worldwide, Inc., (ACI) develops, markets, installs and supports 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. The Company�s products are marketed under the ACI Worldwide, ACI Payment Systems, ACI Universal Payments and Official Payments brands. The Company powers electronic payments and banking for nearly 2,600 financial institutions, retailers and processors around the world. Through its suite of software products and hosted services, ACI delivers a range of solutions for payment processing, card and merchant management, online banking, mobile, branch and voice banking, fraud detection, trade finance, and electronic bill presentment and payment (EBPP).