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## LEVERAGING FUNDAMENTALS TO EXTEND THE BRAND 

TSA companies extended their brands into new markets, geographies and transaction types in 2004. More than 720 customers now rely on our software. From Brazil to Rwanda, these customers run over 1,700 TSA product systems in 76 countries. Our operating units continue to win new business by leveraging their proven products, experienced staff and global distribution networks. 

## ACI WORLDWIDE 

TSA’s largest division added 39 new customers in 2004. Among the world’s top 500 banks, ACI now commands nearly four times the market presence of its two closest competitors combined. 

ACI’s proven track record fuels continued success for the company. Major clients such as Metavante Corporation, TD Bank Financial Group and ANZ Bank New Zealand renewed their long-term commitments to BASE24 software in 2004. ACI marked its 20th year as a solutions provider to Alliance & Leicester, the eighth largest bank in the UK and one of several accounts where the company enjoys a long-term partnership. In addition, ACI cross-sold new applications to existing customers nearly 50 times during the year, extending the company’s reach and relevance in several key accounts. Customers continue to invite ACI to participate in new payment initiatives. 

As an example, customers are turning to ACI software to extend the capabilities of their online payment systems by allowing mobile phone users to replenish air time at ATMs. ACI software enables the transactions to be securely routed and authorized while allowing ATM owners to drive new sources of fee-based income for their business. 

The growing need for real-time fraud prevention and enterprise-wide risk management helped ACI Proactive Risk Manager achieve record customer growth in 2004. Twenty-eight new customers selected the software to combat credit and debit card fraud or detect money laundering activity. ACI customers have saved millions of dollars by using Proactive Risk Manager to protect accounts from losses. 

Customers continue to leverage ACI software to comply with EMV (Europay, MasterCard, Visa) global standards for smart credit and debit card systems. As the standards are adopted in more countries, more card issuers and transaction acquirers will require EMV-ready systems. Several customers have also licensed ACI Smart Chip Manager to automate the issuance and management of single- or multi-application smart cards. The product is part of an award-winning solution used by the Hong Kong government to operate a national ID system based on smart cards. ACI Smart Chip Manager and Proactive Risk Manager were commended by The Banker  magazine in 2004 as part of their annual awards program recognizing IT solutions. 

BASE24-es continued to attract new customers for its enhanced authorization capabilities in 2004. 

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The product adds a new level of flexibility to the strategies used by customers to authorize payment transactions. With a powerful scripting engine, BASE24-es allows users to modify transaction processing rules relatively easily, for example, to impose more stringent authorization requirements for certain card types or customers. This helps our clients enhance their service levels and protect accounts from losses. 

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