Qatar National Bank Selects Chip Card Management Software from ACI Worldwide; ACI Software to Enhance Multi-Application Card Services for Qatar's Largest Bank

As the Qatar retail banking industry continues to develop, ACISmart Chip Manager will pave the way for QNB customers to receivesimpler and more convenient bank-issued card services with multipleapplications on a single smart card when the market is ready. An ACIcustomer for over six years, QNB currently employs ACI's flagshipBASE24(R) payments software to handle over 70 million ATM and POStransactions each year.

"QNB joins a growing list of customers in the Middle East who havechosen ACI technology to help deliver world-class payment processingsolutions to local customers," said Richard Launder, managing directorat ACI Worldwide (EMEA). "Qatar is developing its bankinginfrastructure at a rapid pace by investing in state-of-the-arttechnology for both present and future market requirements, and QNB isleading the way with this deployment. ACI Smart Chip Manager willenable QNB to meet EMV compliance dates through smart card issuancewhile laying a solid foundation for additional transaction processingand customer service enhancements."

With ACI Smart Chip Manager, banks can conform to interchangemandates, generate new revenue streams and reduce the growing risks incounterfeit and skimming fraud by issuing smart chip cards. Thesoftware will help QNB issue, manage and handle the data preparationfor smart cards as the migration continues from magnetic stripe tochip-based cards that enable single and multiple applications to behosted on one card. It will also provide QNB with the ability to fullymanage the lifecycle of each EMV smart card, from issuance toapplication parameter setting and adjustment. The solution alsosupports management of the personalisation and production of QNB'scards.

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

"Our credit and debit card customers will be able to performtransactions securely," said Mr. Marwan Marouf Mahmoud, assistantgeneral manager, information technology. "They will eventually be ableto store information and add on applications on QNB's smart cards."

The software will enable QNB to introduce new smart cards andcomply with forthcoming EMV international standards in advance of theJanuary 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 ofthe year from The Banker magazine.

About QNB

QNB was established in 1964 as the country's first Qatari-ownedcommercial bank. The ownership structure is split between theGovernment of Qatar (50%) and the private sector (50%). QNB has grownto become the largest bank in Qatar controlling assets representingapproximately 50% of the total banking system. QNB has the largestdistribution network in the country with 33 local branches andoffices, two international branches in London and Paris and 68 ATM's.

QNB provides a full range of commercial banking activities forindividuals, corporate institutions and government entities and theBank's scope of products, services and delivery channels across alldisciplines is unrivalled. QNB remains the highest rated bank in Qatarand is ranked as the 236th largest bank in the world by The Bankermagazine. Additionally, QNB has been the recipient of the award "BestBank in Qatar" from leading international financial publicationsincluding The Banker, Euromoney and Global Finance.

About ACI Worldwide

Every second of every day, consumers are initiating electronicpayment transactions--getting cash at ATMs, using debit and creditcards to make purchases in stores and on the Internet, banking byphone and PC, and paying bills online. Over 50 billion times a year,ACI software is used to process these transactions, powering theworld's online payment systems. ACI was founded in 1975 and pioneeredthe development of applications and networking software for onlinetransaction processing. Today more than 500 customers in 78 countriesuse ACI supplied software to route and authorize electronic paymenttransactions; detect fraud and money laundering; issue and managemagnetic stripe and smart cards; deliver secure electroniccorrespondence; and automate payment settlement and claims processing.Visit ACI Worldwide at www.aciworldwide.com.

Any statements in this press release regarding projected resultsare preliminary and "forward-looking statements" within the meaning ofthe Private Securities Litigation Reform Act of 1995. In addition,this press release may contain other forward-looking statementsincluding statements regarding Transaction Systems Architects, Inc.'s("TSA"), its subsidiaries or third parties' expectations, predictions,views, opportunities, plans, strategies, beliefs, and statements ofsimilar effect. The forward-looking statements in this press releaseare subject to a variety of risks and uncertainties. Actual resultscould differ materially.

For a detailed discussion of these and other risk factors,interested parties should review the Company's filings with theSecurities and Exchange Commission, including the Company's Form 10-Kfiled on December 14, 2004, the Company's Form 10-Q/A filed onFebruary 18, 2005, the Company's 10-Q filed on May 10, 2005, theCompany's Form 8-K filed on July 1, 2005, and the Company's Form 10-Qfiled on August 9, 2005.