Private Securities Litigation Reform Act of 1995 Safe Harbor for Forward-Looking Statements

This presentation contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995. A discussion of these forward-looking statements and risk factors that may affect them is set forth at the end of this presentation. The company assumes no obligation to update any forward-looking statement in this presentation, except as required by law.

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Welcome

John Kraft

VP, Investor Relations & Strategic Analysis

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Launching a New ACI

Odilon Almeida

President & CEO

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ACI Assessment

Strengths

• Large, dynamic and growing market
• Blue chip customers and mission- critical products
• R&D center of excellence
• Successful track record of value creation through M&A

Areas for Improvement

• Profitable organic growth
• Go-to-marketexecution
• Predictability
• Simpler story and operating model

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Key Message for Today

ACI is a Significant

Value Creation Opportunity

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FitWelcomefor Growth

Tony Dinkins

Chief Human Resources Officer

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We are moving from 2 business units to a more efficient functional organizational model

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We are making a step-change in organizational simplification

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We are rationalizing office space based on expected demand, delivering an additional $4M of savings

• Flexible work environment

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Fit for Growth

Al Monserrat

Chief Revenue Officer

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We are flattening the Commercial organization to decrease levels between CEO and sales reps

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Commercial teams will be organized by geography and customer segment

▪ Improved local execution

▪ More consistent message

▪ Leverage ACI brand and strengths

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Sales investment is prioritized based on the intersection of geography, segment and solution

Segment

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We are aligning Sales and Marketing strategy with Product strategy

Alignment results in

Product

*SiriusDecisions Summit '19, Keynote, Marisa Kopec, VP of Innovation and Product Management, Research Fellow

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Focused on Growth

Jeremy Wilmot

Chief Product Officer

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ACI is well positioned to take advantage of growing real-time payment volumes

* Annual real-time(account-to-account) transactions in ACI target markets globally

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ACI solutions help global merchants grow and capitalize on the digital transformation of commerce

* Annual global eCommerce transactions in target markets

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Focused on Growth

Eve Aretakis

Chief Technology Officer

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We will protect and grow our large, global Issuing and Acquiring business

* Annual global card issuing and acquiring transactions

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We will protect and grow our large Bill Payments business

How ACI Will Win and Grow

Platform consolidation will drive cost synergies and enhanced capabilities

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We are accelerating the digital transformation of payments

Payments

Transformation

Last mile

▪ Shared endpoints

• Rapid endpoint creation

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Step-Change Value Creation

Craig Maki

EVP, Corporate Development Officer

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We will use acquisitions and divestitures to unlock step-change value creation

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Real-Time Payments

Panel Discussion

Jeremy Wilmot

Moderator

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Simplifying Our Story

Mike Braatz

Chief Strategy & Marketing Officer

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ACI serves the largest corporations in payments, and has market reach to all players

Global

Merchants

Large

Banks

Billers

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Long-Term Outlook

Scott Behrens

Chief Financial Officer

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We have identified significant cost-savings

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We will balance growth and profitability in creating long-term shareholder value

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Closing Remarks

Odilon Almeida

President & CEO

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ACI is a Significant Value Creation Opportunity

• Continuous profitable organic growth
• • A nimble, agile and fit for growth organization under empowered leaders
  • A best-in-class sales process and structure
  • Focus behind growing mission-critical solutions, segments and geographies
  • We will achieve the Rule of 40*

*Rule of 40 = Organic revenue growth plus net adjusted EBITDA margin, which excludes pass through interchange revenue

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ACI is a Significant Value Creation Opportunity

• A more predictable business on an annual basis
• • Recurring revenue growth, our most important KPI
  • Gradually transition from lumpy non-recurring license fees to

annual recurring license fees

• Operational discipline, our internal language

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ACI is a Significant Value Creation Opportunity

• Step-changevalue creation with M&A
• • Accretive investments and divestures will drive step-change value creation
  • ACI has a good track record in inorganic growth

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ACI is a Significant Value Creation Opportunity

• A simpler story
• • Simple company definition and purpose
  • Re-engineeredbrand architecture and positioning

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Key Takeaway for Today

ACI is a Significant

Value Creation Opportunity

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Q & A

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AppendixAPPENDIX

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Non-GAAP Financial Measures

To supplement our financial results presented on a GAAP basis, we use non-GAAP measures, including in this presentation, that we believe are helpful in understanding our past financial performance and our future results. The non-GAAP measures in this presentation include pro forma adjustments for our Speedpay acquisition as well as excluding the effects of significant transaction related expenses, and significant non-cash expenses such as stock-based compensation, depreciation, and amortization. The presentation of these non-GAAP financial measures should be considered in addition to our GAAP results and are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP. 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 to view aspects of our operations that, when viewed with our GAAP results, provide a more complete understanding of factors and trends affecting our business. Certain non-GAAP measures include:

• Adjusted EBITDA: net income (loss) plus income tax expense (benefit), net interest income (expense), net other income (expense), depreciation, amortization and stock-based compensation, as well as significant transaction-related expenses, and pro forma Speedpay EBITDA. Adjusted EBITDA should be considered in addition to, rather than as a substitute for, net income (loss).
• Net Adjusted EBITDA Margin: Adjusted EBITDA divided by revenue net of pass through interchange revenue. Net Adjusted EBITDA Margin should be considered in addition to, rather than as a substitute for, net income (loss).
• Adjusted Revenue: total revenue plus the Speedpay pro forma adjustment. Adjusted Revenue should be considered in addition to, rather than as a substitute for, total revenue.
• Adjusted ACI On Demand Interchange: total interchange expense plus the Speedpay pro forma adjustment. Adjusted ACI On Demand Interchange should be considered in addition to, rather than as a substitute for, interchange.

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Non-GAAP Financial Measures

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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," "intends," 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:

• Expectations regarding costs savings in 2021 and 2022,
• Expectations regarding how costs savings will be reinvested in 2021 and 2022,
• Expectations around financial reporting, customer segments, bookings metric, and growth focus,
• Expectations for recurring revenue growth, organic revenue growth, improvement in adjusted EBITDA margin, value creation through M&A investments and divestitures, and target leverage ratio,
• Expectations on ACI On Demand and total company Rule of 40.

All of the foregoing forward-looking statements are expressly qualified by the risk factors discussed in our filings with the Securities and Exchange Commission. Such factors include, but are not limited to, increased competition, the success of our Universal Payments strategy, demand for our products, consolidations and failures in the financial services industry, customer reluctance to switch to a new vendor, failure to obtain renewals of customer contracts or to obtain such renewals on favorable terms, delay or cancellation of customer projects or inaccurate project completion estimates, the complexity of our products and services and the risk that they may contain hidden defects or be subjected to security breaches or viruses, compliance of our products with applicable legislation, governmental regulations and industry standards, our compliance with privacy regulations, our ability to protect customer information from security breaches or attacks, our ability to adequately defend our intellectual property, exposure to credit or operating risks arising from certain payment funding methods, business interruptions or failure of our information technology and communication systems, our offshore software development activities, risks from operating internationally, including fluctuations in currency exchange rates, exposure to unknown tax liabilities, adverse changes in the global economy, worldwide events outside of our control, failure to attract and retain key personnel, litigation, future acquisitions, strategic partnerships and investments, integration of and achieving benefits from the Speedpay acquisition, impairment of our goodwill or intangible assets, restrictions and other financial covenants in our debt agreements, our existing levels of debt, replacement of LIBOR benchmark interest rate, the accuracy of management's backlog estimates, exposure to unknown tax liabilities, the cyclical nature of our revenue and earnings and the accuracy of forecasts due to the concentration of revenue-generating activity during the final weeks of each quarter, volatility in our stock price, and the COVID-19 pandemic. For a detailed discussion of these risk factors, parties that are relying on the forward-looking statements should review our filings with the Securities and Exchange Commission, including our most recently filed Annual Report on Form 10-K and our Quarterly Reports on Form 10-Q.

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