<center>Survey of Banks, Retailers and Processors Spotlights Industry Views on EMV, Mobile, Fraud and Innovation</center>

<center>Delivers fully-integrated online banking platform serving business customers of all sizes</center>

<center>Arizona's Largest Credit Union Focused on Driving Exceptional Member Experience</center>

<center>Company actively supports and encourages employee volunteer work</center>

<center>ACI elected to EMV Migration Forum steering committee; Executive Dan Heimann elected vice-chairman</center>

<center>New solution fully optimized for all leading mobile display platforms</center>

<center>Innovative solution offers seamless mobile banking experience via a proven digital platform</center>

<center>Provides control, choice and flexibility to transform payment environments</center>