(Watford, UK — January 5, 2005) — ACI Worldwide (Nasdaq: TSAI), a leading international provider of enterprise payment solutions, today announced that Abu Dhabi Commercial Bank, one of the largest banks in the United Arab Emirates, has selected BASE24-es™ to consolidate ATM and Point of Sale (POS) transaction authorisation onto a single platform. Representing the next generation of ACI’s world class payments platform, BASE24-es will also aid the bank’s compliance with Europay Mastercard Visa (EMV) mandates calling for the introduction of chip cards to reduce card fraud in the region.

Using BASE24-es, Abu Dhabi Commercial Bank will consolidate two systems to a single platform for POS and ATM transaction authentication, routing, switching and authorisation. The centralisation of transaction authorisation will enable Abu Dhabi Commercial Bank to monitor complete customer activity and make more informed authorisation decisions. This will lead to improved customer service and reduced risk exposure through quicker identification of potentially fraudulent activity. The single platform approach will provide cost benefits due to reduced complexity within the systems environment and the related hardware and software support costs.

Abu Dhabi Commercial Bank needed a system to address EMV compliance for both its ATM and POS networks. EMV will introduce a liability shift for fraudulent transactions from the banks to the non-EMV compliant merchants. The deadline for compliance is the end of 2005.

Abu Dhabi Commercial Bank will run BASE24-es on a Sun Solaris™ platform. The software is designed to operate on a range of platforms including Sun, IBM and HP – leveraging the specific strengths and characteristics of each technology.

“We will maximise the potential of EMV to offer our customers new multi-application smart card services,” said Steve Dickens, chief operations officer at Abu Dhabi Commercial Bank. “ACI’s BASE24-es will not only help us achieve EMV compliance, it will provide the scalability and flexibility to support future developments.”

“The Middle Eastern and Gulf banks pride themselves on being ahead of the curve to adopt new technology to benefit their customers,” said Richard Launder, managing director of ACI Worldwide EMEA. “BASE24-es will provide Abu Dhabi Commercial Bank with a single platform to meet EMV and POS requirements, while providing the ability to introduce new services in shorter timeframes.”

About Abu Dhabi Commercial Bank
Abu Dhabi Commercial Bank (ADCB) was formed in 1985 as a public shareholding company with limited liability upon the merger of Emirates Commercial Bank and Federal Commercial Bank with Khaleej Commercial Bank.

ADCB’s share capital is AED1250 M (USD340 M). The Government of Abu Dhabi through Abu Dhabi Investment Authority (ADIA) holds 65% of the paid up capital, while the balance of 35% is held by UAE Institutions and Nationals. In terms of Authorised as well as Paid up Capital, the Bank is the largest in the country and in terms of Shareholders' Funds, it is among the top five. In addition, in terms of net profit, it was the highest rated local bank during 1998, 1999, 2000, 2001 and second during 2002. ADCB’s share capital is Total Shareholders’ Funds as of 31.12.2003 stood at AED4479 M (USD1219 M).

ADCB efficiently handles payment instructions, Letter of Credit and Guarantees through a network of 36 branches in UAE and 2 in India.

About ACI Worldwide
Every second of every day, consumers are initiating electronic payment transactions—getting cash at ATMs, using debit and credit cards to make purchases in stores and on the Internet, banking by phone and PC, paying bills online. Over 40 billion times a year, ACI software is used to process these transactions, powering the world’s online payment systems. ACI was founded in 1975 and pioneered the development of applications and networking software for online transaction processing. Today more than 500 customers in 76 countries use ACI supplied software. Visit ACI Worldwide on the Internet at www.aciworldwide.com.