ACI Worldwide, Inc. Reports Financial Results for the Quarter and Year Ended December 31, 2007

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| Source: ACI Worldwide, Inc.

 OPERATING HIGHLIGHTS

 * Solid operating free cash flow generation of $21.1 million in the
   quarter and $52.5 million for the 2007 calendar year, 34% growth
   over prior calendar year
 * Backlog rose $39 million on a sequential basis to $1.380 billion;
   grew $138 million for calendar 2007
 * Revenue of $101.3 million; 9% growth over prior year; deferred
   revenue rose $15.5 million on a sequential quarterly basis to
   $142.8 million

 ---------------------------------------------------------------------
                                           Quarter Ended
                           -------------------------------------------
                                              Better /       Better /
                                              (Worse)        (Worse)
                           December 31,     December 31,   December 31,
                               2007             2006           2006
 ---------------------------------------------------------------------
  Operating Free Cash
        Flow                  $ 21.1           $ 14.4          215%
       ($ Mil)
      60 month
      Backlog                 $1.380           $0.138           11%
       ($Bil)

      Revenues
       ($ Mil)                $101.3           $  8.0            9%
 ---------------------------------------------------------------------

NEW YORK, Feb. 19, 2008 (PRIME NEWSWIRE) -- ACI Worldwide, Inc. (Nasdaq:ACIW), a leading international provider of software for electronic payment systems, today announced preliminary financial results for the period ending December 31, 2007. We will hold a conference call on February 19, 2008, at 8.30 a.m. EST to discuss this information. Interested persons may also access a real-time audio broadcast of the teleconference at www.aciworldwide.com/investors.

"We are pleased with our December quarterly performance. All of our operating metrics -- sales, operating free cash flow, backlog, revenue and deferred revenue -- demonstrated the type of performance we expect from our products and also validated our strategic shift away from selling shorter tenured product and into selling comprehensive multi-product solutions." Heasley stated, "2007 was a challenging transitional year with legacy issues and, yet, it was extremely gratifying to see the business perform so well in the fourth quarter of the calendar year. I believe that our organic performance and the new IBM alliance will both position ACI to grow strongly in 2008 and beyond."

Notable new business during the quarter included:


 * Saudi Arabia: a significant Saudi bank subscribed to
   Base24-eps/pos, AKDS, ACI Commerce Gateway, Smart Chip Manager,
   Payments Manager Transaction Warehouse, ACI Web Access services,
   Simulation Services for Enterprise Testing, Monitoring/Management
   system.
 * Thailand: a major Thai bank subscribed to Base 24-atm and card,
   PRM risk manager, ACI Communication Services, Golden Gate and
   Vision Plus AO.
 * EMEA processor: Base 24-atm/pos, Smart Chip Manager, Card
   Management System, PRM Merchant, Debit, ACI Web Access services.
 * United Kingdom: ACI Datawise sold to a governmental police
   authority.
 * United States: ACI Enterprise Security, Web Access, Retail
   Commerce Server and ACI Enterprise Banker on Demand were sold to
   multiple U.S. clients in the quarter ranging from credit unions to
   commercial banks, and retailers.
 * 17 new customers signed up for 37 products, including new users of
   Base 24-eps, ACI Enterprise Banker, ACI Retail Commerce Server,
   Smart Chip Manager and Payments Manager Transaction Warehouse.
 * 19 new applications added to 16 existing customer relationships
   ranging from ACI Retail Commerce Server to Proactive Risk Manager
   for Enterprise Services, and Simulation Services for Enterprise
   Testing.

FINANCIAL SUMMARY

Operating Free Cash Flow

Operating free cash flow for the quarter was $21.1 million compared to $6.7 million for the December 2006 quarter. On an annual basis, operating free cash flow grew 33% to end the year at $52.5 million versus $39.3 million in calendar 2006. Operating free cash flow for both the quarter and year ended December 2007 includes a net figure of approximately $9.3 million related to the receipt of cash from IBM Corporation exclusive of the amount paid for warrants in ACI shares.

Backlog

As of December 31, 2007, our estimated 60-month backlog was $1.380 billion compared to backlog of $1.341 billion, and $1.242 billion as of September 30, 2007 and December 30, 2006, respectively. The 2007 year-end figure represented a rise of $39 million on a sequential basis and $138 million on a year over year basis.

As of December 31, 2007, our 12-month backlog was $336 million, as compared to $329 million as of September 30, 2007, and $292 million as of December 31, 2006.

As previously disclosed in our Form 10-K for the fiscal year ended September 30, 2007, we have recently completed a comprehensive review of the assumptions used and data required in computing our backlog estimates. The results above reflect the impact of this review on all periods.

Revenues

Revenue was $101.3 million in the quarter ended December 31, 2007, an increase of $8.0 million or 9% over the prior-year period revenue of $93.3 million. The year over year quarterly increase was largely attributable to an increase of $5.1 million in license fees received; of which 80% originated in the United Kingdom and Scandinavia with the remainder in the United States. The remaining $2.9 million in revenue increase on a year-over-year quarterly basis was derived primarily from maintenance revenue growth. Sequentially, our deferred revenue increased by $15.5 million to $142.8 million compared to a sequential increase of $1.5 million to $100.9 million in the December 2006 quarter. The increase reflects the business' emphasis on selling longer term products and services to both new and existing customers, thereby resulting in lengthier revenue recognition cycles.

Revenue for calendar year 2007 was $374.2 million, an increase of $18.1 million or 5% compared to revenue of $356.1 million in calendar 2006. The growth in revenue is attributed to $48.0 million in acquisition-related revenue, primarily due to a $38.8 million contribution by P&H Solutions in the Americas in calendar 2007 compared to a P&H Solutions contribution of $7.4 million in calendar 2006. Organic revenue decreased by $17.8 million due to a reduction in non-recurring fees. Deferred revenue grew 41% or $41.9 million on a year over year basis as compared to a 2006 deferred revenue increase of 1% or $0.7 million. The growth in deferred revenue, much like the quarterly performance of deferred revenue, is a reflection of the fact that we now sell longer term products and services to both new and existing customers which has the effect of prolonging the revenue recognition timeframe.

Operating Expenses

Operating expenses were $98.4 million in the December 2007 quarter compared to $88.3 million in the December 2006 quarter. Organic expenses rose $10.0 million year over year excluding the impact of acquisitions and other non-recurring items. This is primarily due to increased research and development costs incurred in the Base 24-eps(tm) and ACI On Demand product lines ($3 million), higher commissions paid as a result of higher sales ($2 million), and timing associated with professional fees ($3 million). Deferred expenses increased $2.9 million from the previous sequential quarter compared to a rise of $2.0 million in the prior year sequential quarter.

Operating expenses for calendar year 2007 were $373.9 million, an increase of $62.0 million, or 20%, compared to expense of $311.9 million in calendar year 2006. The increase in operating expense year over year resulted primarily from $45.2 million of expense related to acquisitions, $5.4 million related to non-recurring employee costs, and $9.2 million related to the historical stock options review and settlement of vested options. Deferred expense during calendar 2007 increased $5.5 million as compared to deferred expense growth of $0.7 million during calendar 2006.

Other Income and Expense

Other expense in the December 2007 quarter was $1.0 million as compared to $0.9 million in the quarter year over year as a result of a $2.5 million favorable swing in currency translation offset by a $2.5 million FAS 133 non-cash loss on derivative instruments which did not occur in the prior year.

On an annual basis, other expense in calendar year 2007 was $6.4 million as compared to other income of $3.7 million in the calendar year 2006. The $10.1 million change in other income/expense on a year over year basis was due to the following factors: an expense of $4.6 million on a FAS 133 non-cash loss on derivative instruments incurred in 2007 versus none in 2006, a $1.4 million change in the impact of currency translation as compared to in the prior year, and an increase of $4.5 million in interest expense on a credit facility as compared to prior year.

Taxes

The tax rate for the quarter was 207% due to losses in tax jurisdictions for which we received no tax benefit. Furthermore, as mentioned in previous quarters, the company continues to incur a fixed amortization charge of $0.5 million per quarter related to the transfer of intellectual property outside the United States.

Net Income (Loss) and Diluted Earnings Per Share

The Company reported a net loss of $2.0 million for the quarter compared to net income of $2.6 million during the same period last year. Calendar year 2007 net loss was $13.8 million compared to net income of $42.8 million in calendar 2006.

Earnings per share for the quarter ended December 2007 was ($0.06) per diluted share compared to $0.07 per diluted share during the same period last year. Earnings per share for the year ended December 31, 2007 was ($0.38) as compared to $1.13 in the prior year period ended December 31, 2006.

2008 Guidance

ACI anticipates operating free cash flow ("OFCF") of approximately $65 million in calendar 2008 versus $52.5 million OFCF achieved in calendar 2007. This number includes approximately $24 million of capital spending and financing anticipated in 2008 versus $9.8 million of capital spending and financing in calendar year 2007. The higher rate of capital spending is influenced by several factors, including investments in facilities, retail and wholesale software optimization as well as the IBM relationship.

Combined revenue and 60-month backlog growth is expected to reach approximately $200 million in 2008 as compared to calendar year 2007 growth of $157 million.

A key factor driving the growth of both of these metrics is an increase in new product and new client sales anticipated for 2008.


 -----------------------------------------------------------
 Table 1:  Reconciliation  of Operating Free Cash Flow

                                             Quarter Ended
                                              December 31,
                                            ----------------
 (millions)                                  2007      2006
                                            ----------------
 Net cash provided by operating
  activities                                $ 12.1     ($0.6)
 One-time items:
   Net after-tax cash payments associated
    with P&H                                   0.0       5.9
   Net after-tax cash payments associated
    with class action settlement               0.0       5.3
   Net after-tax cash payments associated
    with stock option                          0.0       1.2
   Net after-tax cash payments associated
    with Restructuring and Other Emp.
    Related Actions                            2.7       0.0
   Net after-tax cash payments associated
    with cancellation of corp. jet lease       0.8       0.0
     Less capital expenditures                (3.9)     (5.1)
     Net Proceeds from IBM Alliance            9.3       0.0
                                            ----------------
   Operating Free Cash Flow                 $ 21.1    $  6.7
 -----------------------------------------------------------


 ---------------------------------------------------------------------
                                        Quarter Ended
                                        ------------------------------
                                           Dec. 31,  Sept. 30, Dec. 31,
 Table 2: Backlog 60- Month (millions)       2007      2007      2006
                                        ------------------------------
   Americas                                 $  733    $  717    $  686
   EMEA                                        504       489       431
   Asia/Pacific                                143       135       125
                                        ------------------------------
 Backlog 60-Month                           $1,380    $1,341    $1,242

 Backlog breakout
 ACI Organic                                $1,367    $1,331    $1,242
 Acquisitions                                   13        10         0
                                        ------------------------------
 Backlog 60-Month                           $1,380    $1,341    $1,242

 ACI Organic Deferred Revenue                  141       126       101
 ACI Organic Other                           1,227     1,205     1,141
 Acquisition Deferred Revenue                    2         1         0
 Acquisition Other                              11         9         0
                                        ------------------------------
 Backlog 60-Month                           $1,380    $1,341    $1,242
 ---------------------------------------------------------------------


 -----------------------------------------------------------
                                             Quarter Ended
 Table 3: Revenues by Channel                 December 31,
                                            ----------------
                                             2007      2006
                                            ----------------
 Revenues:
   United States                            $ 36.0    $ 34.0
   Americas International                     13.6      13.2
                                            ----------------
 Americas                                   $ 49.6    $ 47.2
 EMEA                                         43.1      37.5
 Asia/Pacific                                  8.6       8.6
                                            ----------------
 Revenues                                   $101.3    $ 93.3
 -----------------------------------------------------------


 -----------------------------------------------------------
                                             Quarter Ended
 Table 4: Monthly Recurring Revenue           December 31,
 (millions)                                 ----------------
                                             2007      2006
                                            ----------------
 Monthly license fees                       $ 16.0    $ 15.2
 Maintenance fees                             32.2      28.7
 Processing Services                           8.4       7.6
                                            ----------------
 Monthly Recurring Revenue                  $ 56.6    $ 51.5
 -----------------------------------------------------------


 ---------------------------------------------------------------------
                                             Quarter Ended
 Table 5: Deferred Revenue       Dec. 31, Sept. 30,  Dec. 31, Sept. 30,
 (millions)                        2007      2007      2006      2006
                                  ------------------------------------

 Acquisitions                     $  2.0    $  1.1    $  0.0    $  0.0
 ACI Organic                       113.5      96.0      78.5      79.0
                                  ------------------------------------
 Short Term Deferred Revenue      $115.5    $ 97.0    $ 78.5    $ 79.0

 Acquisitions                     $  0.0    $  0.0    $  0.0    $  0.0
 ACI Organic                        27.3      30.3      22.4      20.4
                                  ------------------------------------
 Long Term Deferred Revenue       $ 27.3    $ 30.3    $ 22.4    $ 20.4

 Total Deferred Revenue           $142.8    $127.3    $100.9    $ 99.4
 ---------------------------------------------------------------------


 ---------------------------------------------------------------------
                                             Quarter Ended
 Table 6: Deferred Expenses      Dec. 31, Sept. 30,  Dec. 31, Sept. 30,
 (millions)                        2007      2007      2006      2006
                                  ------------------------------------
 Acquisitions                     $  0.1    $  0.1    $  0.0    $  0.0
 ACI Organic                        11.3       8.4       5.9       3.9
                                  ------------------------------------
 Total Deferred Expenses          $ 11.4    $  8.5    $  5.9    $  3.9
 ---------------------------------------------------------------------


 ---------------------------------------------------------------------
                                   Year      Year    Sep-Dec   Sep-Dec
                                   over      over     y-o-y     y-o-y
 Table 7: Organic versus           Year      Year   Quarterly Quarterly
  Acquisition Comparisons       Increase/ Increase/  Movement  Movement
       (millions)               Decrease  Decrease      in        in
                                in Revenue  in Op.   Deferred  Deferred
                                           Expenses  Revenue   Expense

 2006 Quarter                     $ 93.3    $ 88.3    $  1.5    $  2.0

 Organic                          $  7.2    $ 10.0    $ 13.0       0.9
 Acquisitions                        0.8       2.5       1.0        --
 Stock Options Prof. Fees             --      (2.6)       --        --
 Intangible Amortization              --      (0.2)       --        --
 2006 LTIP Reversal                   --      (2.1)       --        --
 Corporate Jet                        --       1.3        --        --
 Transaction Pro Fees                 --       0.5        --        --
 Restructuring                        --       0.5        --        --
 Other Employee                       --       0.2        --        --
                                  ------------------------------------
 Net Change                       $  8.0    $ 10.1    $ 14.0    $  0.9

 2007 Quarter                     $101.3    $ 98.4    $ 15.5    $  2.9
 ---------------------------------------------------------------------


 ---------------------------------------------------------------------
 Table 8: Acquisition-related
  Intangibles and software,
  Non-cash equity based
  compensation and non-recurring             Quarter Ended
  items (millions)                            December 31,
                                        2007                2006
                                  ------------------------------------
                                   EPS       $ in      EPS       $ in
 Non-recurring items              Impact   Millions   Impact   Millions
   Stock options review           $ 0.00    $  0.0    $ 0.04    $  1.7
   Restructuring                    0.01       0.4      0.00       0.0
   Other employee expense           0.00       0.1      0.00       0.0
   2006 LTIP Reversal              (0.04)     (1.4)     0.00       0.0
   Corporate Jet Lease Termination  0.02       0.8      0.00       0.0
   IBM Related Fees                 0.01       0.3      0.00       0.0
 Non-recurring items              $ 0.01    $  0.2    $ 0.04    $  1.7
 Amortization of acquisition-
  related intangibles and software  0.05       1.9      0.05       2.1
 Non-cash equity-based
  compensation                     (0.00)     (0.0)     0.03       1.1
                                  ------------------------------------
 Total:                           $ 0.06    $  2.1    $ 0.13    $  4.9
 * Tax Effected at 35%
 ---------------------------------------------------------------------


 ---------------------------------------------------------------------
                                                Quarter Ended
 Table 9: Other Income (Expense) Dec. 31, Sept. 30,  Dec. 31, Sept. 30,
  (millions)                       2007      2007      2006      2006
                                  ------------------------------------

 Interest Income                  $  0.8    $  1.2    $  0.9    $  1.7
 Interest Expense                   (1.3)     (2.2)     (1.4)     (0.1)
 FX Gain / Loss                      1.9       0.5      (0.6)     (0.2)
 Derivative Loss                    (2.5)     (2.1)      0.0       0.0
 Other                               0.2       0.1       0.3      (0.1)
                                  ------------------------------------
 Total Other Income (Expense)      ($1.0)    ($2.5)    ($0.9)   $  1.3
 ---------------------------------------------------------------------

About ACI Worldwide, Inc.

Every second of every day, ACI Worldwide solutions are at work processing electronic payments, managing risk, automating back office systems and providing application infrastructure services. ACI is a leading international provider of solutions for banking, retail and cross-industry systems. ACI serves more than 800 customers in 84 countries including many of the world's largest financial institutions, retailers and payment processors. Visit ACI Worldwide at www.aciworldwide.com.

Non-GAAP Financial Measures

This press release includes operating free cash flow and backlog estimates. ACI is presenting these non-GAAP guidance measures to provide more transparency to its earnings, focusing on operations before selected non-cash items, operating free cash flow and backlog.

ACI is presenting operating free cash flow, which is defined by our net cash provided by operating activities, adjusted for one-time items, minus capital expenditures. We utilize this non-GAAP financial measure, and believe it is useful to investors, as an indicator of cash flow available for debt repayment and other investing activities, such as capital investments and acquisitions. We utilize operating free cash flow as a further indicator of operating performance and for planning investing activities. Operating free cash flow is considered a non-GAAP financial measure as defined by SEC Regulation G. We define operating free cash flow as net cash provided (used) by operating activities, excluding cash payments associated with the cash settlement of stock options, cash payments associated with one-time employee related actions, less capital expenditures and plus or minus net proceeds from IBM. We utilize this non-GAAP financial measure, and believe it is useful to investors, as an indicator of cash flow available for debt repayment and other investing activities, such as capital investments and acquisitions. We utilize operating free cash flow as a further indicator of operating performance and for planning investing activities. Operating free cash flow should be considered in addition to, rather than as a substitute for, net cash provided (used) by operating activities. A limitation of operating free cash flow is that it does not represent the total increase or decrease in the cash balance for the period. This measure also does not exclude mandatory debt service obligations and, therefore, does not represent the residual cash flow available for discretionary expenditures. Management generally compensates for limitations in the use of non-GAAP financial measures by relying on comparable GAAP financial measures and providing investors with a reconciliation of non-GAAP financial measures only in addition to and in conjunction with results presented in accordance with GAAP. We believe that these non-GAAP financial measures reflect an additional way of viewing aspects of our operations that, when viewed with our GAAP results, provide a more complete understanding of factors and trends affecting our business. These non-GAAP measures should be considered as a supplement to, and not as a substitute for, or superior to, loss from operations and net loss per share calculated in accordance with GAAP. We believe that operating free cash flow is useful to investors to provide disclosures of our operating results on the same basis as that used by our management. We also believe that this measure can assist investors in comparing our performance to that of other companies on a consistent basis without regard to certain items, which do not directly affect our ongoing cash flow.

ACI also includes backlog estimates which are all software license fees, maintenance fees and services specified in executed contracts, as well as revenues from assumed contract renewals to the extent that we believe recognition of the related revenue will occur within the corresponding backlog period. We have historically included assumed renewals in backlog estimates based upon automatic renewal provisions in the executed contract and our historic experience with customer renewal rates.

Backlog is considered a non-GAAP financial measure as defined by SEC Regulation G. Our 60-month backlog estimate represents expected revenues from existing customers using the following key assumptions:


 * Maintenance fees are assumed to exist for the duration of the
   license term for those contracts in which the committed maintenance
   term is less than the committed license term.
 * License and facilities management arrangements are assumed to renew
   at the end of their committed term at a rate consistent with our
   historical experiences.
 * Non-recurring license arrangements are assumed to renew as
   recurring revenue streams.
 * Foreign currency exchange rates are assumed to remain constant over
   the 60-month backlog period for those contracts stated in
   currencies other than the U.S. dollar.
 * Our pricing policies and practices are assumed to remain constant
   over the 60-month backlog period.

Estimates of future financial results are inherently unreliable. Our backlog estimates require substantial judgment and are based on a number of assumptions as described above. These assumptions may turn out to be inaccurate or wrong, including for reasons outside of management's control. For example, our customers may attempt to renegotiate or terminate their contracts for a number of reasons, including mergers, changes in their financial condition, or general changes in economic conditions in the customer's industry or geographic location, or we may experience delays in the development or delivery of products or services specified in customer contracts which may cause the actual renewal rates and amounts to differ from historical experiences. Changes in foreign currency exchange rates may also impact the amount of revenue actually recognized in future periods. Accordingly, there can be no assurance that contracts included in backlog estimates will actually generate the specified revenues or that the actual revenues will be generated within the corresponding 60-month period.

Backlog should be considered in addition to, rather than as a substitute for, reported revenue and deferred revenue.

The presentation of these non-GAAP financial measures should be considered in addition to our GAAP results and is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP.

Forward-Looking Statements

This presentation contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. Generally, forward-looking statements do not relate strictly to historical or current facts and may include words or phrases such as "believes," " will," "expects," "anticipates", "looks forward to," and words and phrases of similar impact.

The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements in this presentation include, but are not limited to, statements regarding the:


 * The strength of, or improvement in, future sales results;
 * Retention of customers;
 * Sales and financial expectations in various geographies, including
   expectations that we are gaining traction in Latin America, have
   momentum in France, Spain and Italy, and will win new customers in
   Asia;
 * 2008 sales outlook, including expansion in various countries, sales
   into new accounts and sales of new applications, and leveraging of
   wholesale payments products;
 * Expected impacts and benefits of the IBM alliance;
 * 2008 outlook relating to technical headcount investment, aggression
   in product life cycle management, wholesale payment hub
   opportunity, solutions and integration focus, implementation and
   services margin improvement, and harvesting backlog;
 * Expectations that transactions that were expected to close in the
   second half of 2007 will close in the first half of 2008;
 * Expectations for 2008 operating free cash flow and combined revenue
   and backlog growth;
 * Expectations regarding sales growth, sales mix, revenues, backlog,
   operating free cash flow, expenses, effective tax rate and number
   of shares outstanding; and
 * 2009 - 2011 outlook, including revenue and backlog growth,
   operating free cash flow growth and operating margins.

Any or all of the forward-looking statements may turn out to be wrong. They can be affected by the judgments and estimates underlying such assumptions or by known or unknown risks and uncertainties. Many of these factors will be important in determining the Company's actual future results. Consequently, no forward-looking statement can be guaranteed. Actual future results may vary materially from those expressed or implied in any forward-looking statements. In addition, the Company disclaims any obligation to update any forward-looking statements after the date of this presentation.

All of the foregoing forward-looking statements are expressly qualified by the risk factors discussed in the Company's filings with the Securities and Exchange Commission. For a detailed discussion of these risk factors, parties that are relying on the forward-looking statements should review the Company's filings with the Securities and Exchange Commission, including the Company's Form 10-K filed on May 11, 2007, the Company's Form 10-Q filed on June 29, 2007, the Company's Form 10-Q filed on August 10, 2007, the Company's Form 10-Q filed on September 25, 2007 and the Company's Form 10-K filed on January 30, 2008, specifically the section entitled "Factors That May Affect the Company's Future Results or the Market Price of the Company's Common Stock."

The risks identified in the Company's filings with the Securities and Exchange Commission include:


 * Risks associated with the restatement of the Company's financial
   statements;
 * Risks associated with the Company's performance which could be
   materially adversely affected by a general economic downturn or
   lessening demand in the software sector;
 * Risks associated with the complexity of the Company's software
   products;
 * Risks inherent in making an estimate of the Company's backlogs
   which may not be accurate and may not generate the predicted
   revenue;
 * Risks associated with tax positions taken by the Company which
   require substantial judgment and with which taxing authorities
   may not agree;
 * Risks associated with consolidation in the financial services
   industry which may adversely impact the number of customers and
   the Company's revenues in the future;
 * Risks associated with the Company's stock price which may be
   volatile;
 * Risks associated with conducting international operations;
 * Risks regarding the Company's newly introduced BASE24-eps product
   which may prove to be unsuccessful in the marketplace;
 * Risks associated with the Company's future profitability which
   depends on demand for its products; lower demand in the future
   could adversely affect the Company's business;
 * Risks associated with the Company's software products which may
   contain undetected errors or other defects, which could damage its
   reputation with customers, decrease profitability, and expose the
   Company to liability;
 * Risks associated with the IBM alliance, our or IBM's ability to
   perform under the terms of that alliance and customer receptiveness
   to the alliance;
 * Risks associated with future acquisitions and investments which
   could materially adversely affect the Company;
 * Risks associated with the Company's ability to protect its
   intellectual property and technology and that the Company may be
   subject to increasing litigation over its intellectual property
   rights;
 * Risks associated with litigation that could materially adversely
   affect the Company's business financial condition and/or results
   of operations;
 * Risks associated with new accounting standards or revised
   interpretations or guidance regarding existing standards;
 * Risks associated with the Company's offshore software development
   activities, which may put its intellectual property at risk;
 * Risks associated with security breaches or computer viruses, which
   could disrupt delivery of services and damage the Company's
   reputation;
 * Risks associated with the Company's customers who are subject to a
   regulatory environment and industry standards that may change and
   reduce the number of transactions in which the customers engage;
 * Risks associated with the Company's ability to comply with privacy
   regulations imposed on providers of services to financial
   institutions;
 * Risks associated with system failures, which could delay the
   provision of products and services and damage the Company's
   reputation with its customers;
 * Risks associated with the Company's restructuring plan, which may
   not achieve expected efficiencies; and
 * Risks associated with material weaknesses in the Company's internal
   control over financial reporting.


                 ACI WORLDWIDE, INC. AND SUBSIDIARIES
                      CONSOLIDATED BALANCE SHEETS
                     (unaudited and in thousands)

                          Dec. 31,    Sept. 30,   Dec. 31,    Sept. 30,
                            2007        2007        2006        2006
                          --------    --------    --------    --------

 ASSETS
   Current assets
     Cash and cash
      equivalents         $ 97,011    $ 60,794    $ 89,900    $110,148
     Billed receivables,
      net of allowances
      of $1,723 and
      $2,041                87,932      70,384      65,402      72,439
     Accrued receivables    11,132      11,955      13,593      14,443
     Deferred income
      taxes, net             5,374       7,088       2,441       9,410
     Recoverable income
      taxes                  6,033       3,852          --       3,791
     Prepaid expenses        9,803      10,572       8,010       8,389
     Other current assets    8,399       7,233      12,353      10,690
                          --------    --------    --------    --------
       Total current
        assets             225,684     171,878     191,699     229,310
                          --------    --------    --------    --------

 Property, plant and
  equipment, net            19,503      19,356      18,899      14,306
 Software, net              31,430      31,764      32,990      34,294
 Goodwill                  206,770     205,715     193,927     191,518
 Other intangible
  assets, net               38,088      39,685      41,338      42,435
 Deferred income taxes,
  net                       31,283      24,315      17,517      13,721
 Other assets               17,700      14,028      13,106      13,781
                          --------    --------    --------    --------
       TOTAL ASSETS       $570,458    $506,741    $509,476    $539,365
                          ========    ========    ========    ========

 LIABILITIES AND
  STOCKHOLDERS' EQUITY
   Current Liabilities
     Accounts payable     $ 16,351    $ 14,677    $ 12,465    $ 15,090
     Accrued employee
      compensation          22,659      22,625      17,242      30,089
     Deferred revenue      115,519      97,042      78,497      78,996
     Income taxes
      payable                   --       2,251          --       5,579
     Accrued settlement
      for class action
      litigation                --          --          --       8,450
     Accrued and other
      current liabilities   32,323      17,925      16,737      23,174
                          --------    --------    --------    --------
       Total current
        liabilities        186,852     154,520     124,941     161,378
                          --------    --------    --------    --------

 Deferred revenue           27,253      30,280      22,414      20,380
 Note payable under
  credit facility           75,000      75,000      75,000      75,000
 Deferred income taxes,
  net                        3,245       3,265          --       1,427
 Other noncurrent
  liabilities               37,069      18,664      16,755      13,968
                          --------    --------    --------    --------
       Total liabilities   329,419     281,729     239,110     272,153
                          --------    --------    --------    --------

 Commitments and
  contingencies

 Stockholders' equity
   Preferred Stock              --          --          --          --
   Common Stock                204         204         204         204
   Common stock warrants    24,003          --          --          --
   Treasury Stock         (140,320)   (140,340)    (97,768)    (94,313)
   Additional paid-in
    capital                311,108     312,642     309,086     307,553
   Retained earnings        47,886      53,226      64,978      62,357
   Accumulated other
    comprehensive loss      (1,842)       (720)     (6,134)     (8,589)
                          --------    --------    --------    --------
       Total
        stockholders'
        equity             241,039     225,012     270,366     267,212
                          --------    --------    --------    --------
         TOTAL
          LIABILITIES AND
          STOCKHOLDERS'
          EQUITY          $570,458    $506,741    $509,476    $539,365
                          ========    ========    ========    ========


                 ACI WORLDWIDE, INC. AND SUBSIDIARIES
                CONSOLIDATED STATEMENTS OF OPERATIONS
        (unaudited and in thousands, except per share amounts)

                                                   Three Months Ended
                                                      December 31,
                                                  --------    --------
                                                    2007        2006
                                                  --------    --------

 Revenues:
 Software license fees                            $ 46,266    $ 41,185
 Maintenance fees                                   32,167      28,729
 Services                                           22,849      23,375
                                                  --------    --------
   Total revenues                                  101,282      93,289
                                                  --------    --------

 Expenses:
 Cost of software license fees                      10,214      10,211
 Cost of maintenance and services                   24,689      24,147
 Research and development                           16,411      11,985
 Selling and marketing                              20,673      18,150
 General and administrative                         26,443      23,831
                                                  --------    --------
   Total expenses                                   98,430      88,324
                                                  --------    --------

 Operating income                                    2,852       4,965

 Other income (expense):
 Interest income                                       763         885
 Interest expense                                   (1,389)     (1,460)
 Other, net                                           (334)       (293)
                                                  --------    --------
   Total other income (expense)                       (960)       (868)
                                                  --------    --------

 Income before income taxes                          1,892       4,097
 Income tax expense (benefit)                        3,908       1,476
                                                  --------    --------
 Net income (loss)                                $ (2,016)   $  2,621
                                                  ========    ========

 Earnings per share information
   Weighted average shares outstanding
     Basic                                          35,700      37,182
     Diluted                                        35,700      38,035

 Earnings per share
     Basic                                        $  (0.06)   $   0.07
     Diluted                                      $  (0.06)   $   0.07


                 ACI WORLDWIDE, INC. AND SUBSIDIARIES
                 CONSOLIDATED STATEMENTS OF CASH FLOWS
                     (unaudited and in thousands)

                                                   Three Months Ended
                                                      December 31,
                                                  --------------------
                                                    2007        2006
                                                  --------    --------
 Cash flows from operating activities:
   Net income (loss)                              $ (2,016)   $  2,621
   Adjustments to reconcile net income (loss)
    to net cash flows from operating activities
     Depreciation                                    1,496       1,379
     Amortization                                    3,724       3,499
     Tax expense of intellectual property shift        591         478
     Amortization of debt financing costs               84          84
     Gain on transfer of assets under contractual
      obligations                                     (386)       (404)
     Loss on disposal of assets                         17          54
     Change in fair value of interest rate swaps     2,475          --
     Deferred income taxes                            (741)      1,658
     Stock-based compensation expense (recovery)        (5)      1,748
     Tax benefit of stock options exercised and
      cash settled                                      97         121
     Changes in operating assets and liabilities,
      net of impact of acquisitions:
       Billed and accrued receivables, net         (17,552)      9,564
       Other current assets                           (384)       (247)
       Other assets                                   (702)        121
       Accounts payable                              2,799      (2,733)
       Accrued employee compensation                   (73)    (13,145)
       Accrued liabilities                           3,982       2,574
       Payment of class action litigation
        settlement                                      --      (8,450)
       Current income taxes                          2,443      (1,788)
       Deferred revenue                             16,171         (54)
       Other current and noncurrent liabilities        103       2,309
                                                  --------    --------
         Net cash flows from operating activities   12,123        (611)
                                                  --------    --------

 Cash flows from investing activities:
     Purchases of property and equipment            (2,227)     (4,648)
     Purchases of software and distribution
      rights                                        (1,658)       (431)
     Purchases of marketable securities                 --      (2,500)
     Proceeds from transfer of assets under
      contractual arrangement                          500         500
     Acquisition of businesses, net of cash
      acquired                                         (47)     (6,757)
     Proceeds from alliance agreement, net of
      common stock warrants                          9,330          --
                                                  --------    --------
         Net cash flows from investing activities    5,898     (13,836)
                                                  --------    --------

 Cash flows from financing activities:
     Proceeds from issuance of common stock            279          --
     Proceeds from issuance of common stock
      warrants                                      24,003
     Payments for cash settlement of stock
      options                                           --        (285)
     Proceeds from exercises of stock options          610          25
     Excess tax benefit of stock options
      exercised                                        109          17
     Purchases of common stock                      (3,994)     (4,353)
     Payments on debt and capital leases              (625)     (1,489)
                                                  --------    --------
       Net cash flows from financing activities     20,382      (6,085)
                                                  --------    --------

 Effect of exchange rate fluctuations on cash       (2,186)        284
                                                  --------    --------
 Net increase (decrease) in cash and cash
  equivalents                                       36,217     (20,248)
 Cash and cash equivalents, beginning of period     60,794     110,148
                                                  --------    --------
 Cash and cash equivalents, end of period         $ 97,011    $ 89,900
                                                  ========    ========
ACI Worldwide, Inc. 
Investors contact:
Tamar Gerber, Vice President, Investor Relations
  646.348.6706
Media contact:
Jim Maxwell, Manager, Public Relations 
  402.390.8906