EX-99.2

ACI’s software underpins electronic

payments throughout retail and

wholesale banking, and commerce

all the time.

Exhibit 99.2

November 8, 2012

September 30, 2012 Quarterly Results Presentation

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.

Quarterly Overview

Phil Heasley

Chief Executive Officer

Q3 2012 in Review

•

Strong

sales

quarter

across

all

geographies

with

$192

million

sales

bookings

–

Driven by Sales, net of term extensions, of $126M, up 69% over prior year and 13%

over prior quarter

•

Repurchased approximately 312,000 shares in the open market for

approximately $13.8 million

•

Resolved potential dilution from IBM warrants through settlement

•

Facilities and data center consolidation and IT in-sourcing integration on plan

•

Acquired Distra Pty. Ltd

•

Affirming full year 2012 guidance

–

YTD repurchased 1.4M shares for approximately $57.8M

–

Repurchased warrants exercisable for 2.5M shares

–

Accelerates Payments Services Hub by 3-5 years

–

Accelerates revenue recognition by improving implementation times

–

Enhances cross-sell opportunity

–

High visibility into 4Q revenue and profitability attainment

–

Sales

bookings

and

strong

pipeline

providing

forward

momentum

into

2013

Financial Review

Scott Behrens

Chief Financial Officer

Key Takeaways from the Quarter

Strong Q3 Sales Bookings

•

Strong sales growth, up $77.2 million or 67% over prior year quarter, up 23% sequentially

•

S1 Acquisition contributed approximately $44.5 million of sales

•

Sales,

net

term

extensions,

increased

$51

million

69%

over

prior

year

quarter

•

Historical ACI sales and sales, net of term extensions, up 29% and 18%, respectively over prior

year quarter

Strong Backlog Growth led by Strong Sales

•

60-month backlog growth of $61 million

•

12-month backlog growth of $14 million

Solid Revenue Quarter

•

S1 contributed $47.8 million in revenue for the third quarter

•

Q3 GAAP revenue impacted by $4.9 million of deferred revenue haircut

•

Monthly recurring revenue comprised 68% of the quarter’s revenue

•

FX movement reduced revenues by $2 million compared to prior year quarter

Operating Expense

•

S1 contributed $44.0 million in expenses for the period

•

Historical ACI expenses essentially flat compared to prior year quarter

•

$4.5 million of one-time S1 related integration expenses

Key Takeaways from the Quarter (cont)

Non-GAAP Operating Income & Adjusted EBITDA

•

Non-GAAP Operating Income of $17.7 million

•

Non-GAAP Adjusted EBITDA of $33.6 million

Debt & Liquidity

•

Ended Q3 with $87.7 million in cash

•

Repurchased

and

settled

outstanding

warrants

for

combined

$43.4

million

•

Reduced Term Loan debt by approximately $3.1 million in Q3

•

As of September 30, 2012, debt outstanding of $384.6 million ($194 million in revolver and

$190.6 million in term loan)

•

Acquired Distra Pty Ltd for $49.8 million

S1 Integration

•

Facilities and Data Center consolidation plans on track

–

Remaining repurchase authorization now 1.8 million shares (or $76 million

using September 30, 2012 closing share price)

Reaffirmation of Full Year Guidance

Reaffirming full year guidance

•

Q4 backlog to contribute approximately 90% of expected Q4 revenue

•

Q4 sales bookings expected to approximate $310M

Sales, net of term extensions, to approximate $230M

•

Full year sales expected to approximate $770M

Full year sales,

net

term

extensions,

expected

approximate

$540M

YTD Q3

2012

Non-GAAP

Actuals

Guidance

Non-GAAP Revenue*

461

$245 - $255

$706 - $716

Non-GAAP Operating Income*

$77 - $82

$122 - $127

Adjusted EBITDA*

$98 - $103

$188 - $193

* Non-GAAP Guidance metrics exclude the impact of $23M of deferred revenue haircut and $31M of

one-time expenses. The prior guidance issued July 26, 2012 reflected all metrics net of the $23M

deferred revenue haircut as follows: GAAP Revenue of $683M-$693M, Adjusted EBITDA of $165M-

$170M and Non-GAAP Operating Income of $99M-$104M

Preliminary 2013 Outlook

•

2013 models should start with normalized 2012 as the base line (see table below)

2012

Add Back

Normalized

Non-GAAP

1.5 months

Incremental

Full Year

Guidance

S1 Activity

Synergies

2012

Non-GAAP Revenue*

$706 - $716

$733 - $743

Non-GAAP Operating Income*

$122 - $127

$130 - $135

Margin

17%-18%

Adjusted EBITDA*

$188 - $193

$196 - $201

Margin

26%-27%

* Non-GAAP Guidance metrics exclude impact of $23M of deferred revenue haircut and $31M of one-time acquisition and

integration related expenses. Normalized 2012 assuming a full year of S1 operations and one additional quarter of phase 1

synergies of approximately 8M.

•

Growth in sales, net of term extensions, in the high single digits to low double digits

•

Revenue growth mid-to-high single digits

•

2013 operating margin approximately 19%-20%

•

2013 adjusted EBITDA margin approximately 28%-29%

•

The above margin %’s include the incremental cost savings of $15M to be realized in

2013 due to Data Center consolidation and rationalization of overlapping facilities

•

Fully diluted share count to approximate 40M (excluding future share buy-back activity)

Appendix

2012 Guidance Summary

2012

Add Back

2012

Add Back

2012

GAAP

One-time

Prior

Def Rev

Non-GAAP

Guidance

Expenses

Guidance

Haircut

Guidance

Revenue*

$683 - $693

$706 - $716

Operating Income*

$68 - $73

$99 - $104

$122 - $127

Adjusted EBITDA*

$134 - $139

$165 - $170

$188 - $193

* Non-GAAP Guidance metrics exclude impact of $23M of deferred revenue haircut and $31M of one-time acquisition and integration

related expenses. The prior guidance issued July 26, 2012 reflected all metrics net of the $23M deferred revenue haircut as follows:

GAAP Revenue of $683M-$693M, Adjusted EBITDA of $165M-$170M and Non-GAAP Operating Income of $99M-$104M

Historic Sales By Quarter 2010-2012

New Accounts / New

Applications

3/31/2010

$81,142

$5,758

$35,066

$40,318

43%

50%

6/30/2010

$107,985

$1,224

$68,474

$38,287

63%

35%

9/30/2010

$161,269

$11,290

$89,364

$60,615

55%

38%

12/31/2010

$174,827

$43,988

$59,622

$71,217

25%

34%

41%

3/31/2011

$122,904

$13,695

$50,305

$58,904

11%

41%

48%

6/30/2011

$146,956

$19,730

$54,174

$73,052

13%

37%

50%

9/30/2011

$115,089

$17,356

$57,611

$40,123

15%

50%

35%

12/31/2011

$171,385

$12,906

$104,460

$54,019

61%

32%

3/31/2012

$108,462

$5,958

$58,602

$43,902

54%

40%

6/30/2012

$156,188

$9,855

$102,417

$43,916

66%

28%

9/30/2012

$192,310

$23,802

$102,576

$65,932

12%

53%

34%

New Accounts / New

Applications

SEP YTD 12

$456,960

$39,614

$263,596

$153,750

SEP YTD 11

$384,949

$50,781

$162,089

$172,079

Variance

$72,011

($11,167)

$101,506

($18,328)

Quarter-End

Sales

Term Extension

Add-on Business

inc. Capacity

Upgrades &

Term Extension

Add-on Business

inc. Capacity

Upgrades &

Total Economic Value of

Sales

Sales Mix by Category

Sales By Region by Geography and Type

Channel

Qtr Ended

Sep 12

Qtr Ended

Sep 11

% Growth or

Decline

Americas

$91,689

$67,735

35.4%

EMEA

60,856

40,239

51.2%

Asia-Pacific

39,766

7,115

458.9%

Total Sales

$192,310

$115,089

67.1%

Sales Type

Qtr Ended

Sep 12

Qtr Ended

Sep 11

% Growth or

Decline

New Account / New Application

$23,802

$17,356

37.1%

Add-on Business

102,576

57,611

78.1%

Term Extension

65,932

40,123

64.3%

Total Sales

$192,310

$115,089

67.1%

Total Sales

Sales Type

Backlog as a Contributor of Quarterly Revenue

•

Backlog from monthly recurring revenues and project go-lives

continues to drive current quarter GAAP revenue

•

Revenue from current quarter sales consistent with prior quarters

Revenue

Qtr Ended

Sep 12

Qtr Ended

Sep 11

% Growth or

Decline

Revenue from Backlog

$146,814

$106,842

37.4%

Revenue from Sales

8,248

5,307

55.4%

Total Revenue

$155,062

$112,149

38.3%

Revenue from Backlog

95%

Revenue from Sales

Revenue

Operating Free Cash Flow ($ millions)

* Tax effected at 35%

Quarter Ended September 30,

2012

2011

Net cash provided by operating activities

$5.3

$26.8

Adjustments:

Net after-tax payments associated with

employee-related actions*

1.3

Net after-tax payments associated with lease

terminations*

0.7

Net after-tax payments associated with S1-

related transaction costs*

0.2

Net after-tax payments associated with IBM IT

Outsourcing Transition*

0.2

Less capital expenditures

(8.0)

(2.7)

Operating Free Cash Flow

$(0.5)

$24.5

Q3 Cash Walk ($ millions)

Beginning Cash (2Q 2012)

$149.6

Plus: net cash provided by operating activities*

5.3

Net cash before investing and financing activities

154.9

Cash flow from Investing Activities

Less: Capital Expenditures

(8.0)

Less: Acquisition of Distra

(49.8)

Net cash from investing activities

(57.8)

Cash flow from Financing Activities

Plus: Proceeds from Stock Options

2.1

Plus: Net proceeds (repayment) on credit facility

20.9

Less: Net cash settlement from IBM warrants

(17.7)

Less: Repurchases of common stock

(13.8)

Less: Payments on capital leases and other

(2.3)

Foreign exchange impact on cash

1.5

Net cash from financing activities and FX

(9.4)

Ending Cash (3Q 2012)

$87.7

* Net cash provided by operating activies includes $2.2 million in one-time after-tax payments related to

integration and IT insourcing.

60-Month Backlog ($ millions)

Quarter Ended

September 30,

June 30,

September 30,

2012

2011

Americas

$1,419

$1,414

$ 894

EMEA

686

653

520

Asia/Pacific

262

239

189

Backlog 60-Month

$ 2,367

$ 2,306

$1,603

Deferred Revenue

$ 213

$ 204

$ 156

Other

2,154

2,102

1,447

Backlog 60-Month

$ 2,367

$ 2,306

$1,603

Quarter Ended September 30,

2012

2011

Revenues:

United States

$69.4

$ 46.5

Americas International

18.4

13.3

Americas

$87.8

$ 59.8

EMEA

42.8

38.6

Asia/Pacific

24.5

13.7

Revenues

$155.1

$112.1

Revenues by Channel ($ millions)

Monthly Recurring Revenue ($ millions)

Quarter Ended September 30,

2012

2011

Monthly Software License Fees

$24.7

$23.5

Maintenance Fees

47.6

36.5

Hosting Services

33.0

12.8

Monthly Recurring Revenue

$105.3

$72.8

Deferred Revenue and Expense ($ millions)

Quarter Ended

September 30,

June 30,

September 30,

June 30,

2012

2011

Short Term Deferred

Revenue

$169.2

$165.1

$123.9

$131.7

Long Term Deferred

Revenue

44.2

38.7

32.5

30.0

Total Deferred Revenue

$213.4

$203.8

$156.4

$161.7

Total Deferred Expense

$9.8

$9.9

$11.7

$12.6

Non-Cash Compensation, Acquisition Intangibles and

Software, and Acquisition-Related Expenses

* Tax Effected at 35%

Quarter ended

September 30, 2012

Quarter ended

September 30, 2011

EPS Impact*

$ in Millions

EPS Impact*

$ in Millions

Amortization of acquisition-

related intangibles

$ 0.05

$ 2.1

$ 0.03

$ 1.1

Amortization of acquisition-

related software

0.06

2.3

0.02

0.8

Non-cash equity-based

compensation

0.04

1.7

0.04

1.4

Total:

$0.15

$6.1

$0.09

$3.3

Other Income / Expense ($ millions)

Quarter Ended

September 30,

2012

June 30,

2012

September 30,

2011

June 30,

2011

Interest Income

$0.2

Interest Expense

($2.6)

($2.9)

($0.4)

FX Gain / Loss

($1.4)

($0.3)

($0.1)

$0.3

Other

$0.0

Total Other Income

(Expense)

($3.8)

($3.0)

($0.3)

$0.1

Adjusted EBITDA

Quarter Ended

September 30, 2012

Quarter Ended

September 30, 2011

Net Income

$5.7

$10.5

Income tax expense (benefit)

(1.2)

0.5

Net Interest Expense

2.4

0.2

Net Other Expense

1.4

0.1

Depreciation Expense

3.6

2.0

Amortization Expense

9.9

5.2

Non-Cash Compensation Expense

2.6

2.2

Adjusted EBITDA

$24.4

$20.7

Deferred revenue

4.9

Employee-related actions

0.3

Facility closure costs

3.5

IT exit costs

0.1

Other one-time S1-related expenses

0.4

3.4

Adjusted EBITDA ex one-time expenses

$33.6

$24.1

Non-GAAP Operating Income

Quarter Ended

September 30, 2012

Quarter Ended

September 30, 2011

Operating Income

$8.3

$11.3

Plus:

Deferred Revenue

4.9

Employee-related actions

0.5

Facility closure costs

3.5

IT exit costs

0.1

Other one-time S1-related expenses

0.4

3.4

Non-GAAP Operating Income

$17.7

$14.7

Non-GAAP Financial Measures

To supplement our financial results presented on a GAAP basis, we use the non-GAAP measure indicated in the

tables, which exclude certain business combination accounting entries and expenses related to the acquisition

of S1, as well as other significant non-cash expenses such as depreciation, amortization and share-based

compensation, that we believe are helpful in understanding our past financial performance and our future

results. 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 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. Certain non-GAAP measures include:

Non-GAAP revenue: revenue plus deferred revenue that would have been recognized in the normal course

of business by S1 if not for GAAP purchase accounting requirements. Non-GAAP revenue should be

considered in addition to, rather than as a substitute for, revenue.

Non-GAAP operating income: operating income (loss) plus deferred revenue that would have been

recognized in the normal course of business by S1 if not for GAAP purchase accounting requirements and

one-time expense related to the acquisition of S1. Non-GAAP operating income should be considered in

addition to, rather than as a substitute for, operating income.

Adjusted EBITDA: net income (loss) plus income tax expense, net interest income (expense), net other

income (expense), depreciation, amortization and non-cash compensation, as well as deferred revenue

that would have been recognized in the normal course of business by S1 if not for GAAP purchase

accounting requirements and one-time expense related to the acquisition of S1. Adjusted EBITDA should

be considered in addition to, rather than as a substitute for, operating income.

Non-GAAP Financial Measures

ACI is also presenting operating free cash flow, which is defined as net cash provided by operating

activities, plus net after-tax payments associated with employee-related actions and facility disclosures,

net after-tax payments associated with IBM IT outsourcing transition, and less capital expenditures.

Operating free cash flow is considered a non-GAAP financial measure as defined by SEC Regulation G. 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 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. 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.

ACI also includes backlog estimates, which include 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.

Non-GAAP Financial Measures

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.

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:

•

The company’s 12-month and 60-month backlog estimates and assumptions;

•

Expectations regarding sales pipelines and momentum; profitability attainment;

accelerated revenue recognition, expedited product development and increased sales

from the Distra Pty Ltd. acquisition; and market trends; and

•

Expectations

regarding

2012

and

2013

financial

guidance

sales

bookings,

revenue,

operating

income

and

EBITDA,

diluted

counts,

cost

savings

from

data

center consolidations and overall cost synergies.

Forward-Looking Statements

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, risks related to the

global financial crisis and the continuing decline in the global economy, restrictions and other financial covenants

in our credit facility, volatility and disruption of the capital and credit markets and adverse changes in the global

economy, risks related to the expected benefits to be achieved in the transaction with S1, consolidations and

failures in the financial services industry, the accuracy of management’s backlog estimates, 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, impairment of our goodwill or intangible assets, exposure to unknown tax

liabilities, volatility in our stock price, risks from operating internationally, including fluctuations in currency

exchange rates, increased competition, our offshore software development activities, customer reluctance to

switch to a new vendor, the performance of our strategic product, BASE24-eps, the maturity of certain products,

our strategy to migrate customers to our next generation products, ratable or deferred recognition of certain

revenue associated with customer migrations and the maturity of certain of our products, demand for our

products, 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, business interruptions or failure

of our information technology and communication systems, our alliance with International Business Machines

Corporation (“IBM”), our outsourcing agreement with IBM, 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, the protection of our intellectual property in intellectual property litigation, future

acquisitions, strategic partnerships and investments and litigation, the risk that expected synergies, operational

efficiencies and cost savings from the S1 acquisition may not be fully realized or realized within the expected

time frame. 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, Registration Statement on Form S-4, and subsequent reports on Forms 10-Q

and 8-K.

ACI’s software underpins electronic

payments throughout retail and

wholesale banking, and commerce all

the time, without fail.