Document:

EX-10.05

 Exhibit 10.05 

NONQUALIFIED STOCK OPTION AGREEMENT 

THIS STOCK OPTION AGREEMENT (this “Option Agreement”) is made as of the date set forth in Schedule A hereto (the “Grant
Date”) by and between ACI Worldwide, Inc., a Delaware corporation (the “Corporation”) and the individual identified in Schedule A hereto, an employee of the Corporation or its Subsidiaries (the “Optionee”). Capitalized
terms not otherwise defined herein shall have the meaning ascribed to such terms in the ACI Worldwide, Inc. 2016 Equity and Performance Incentive Plan (the “Plan”). 

WHEREAS, the Board has duly adopted, and the stockholders of the Corporation have approved, the Plan, which authorizes the Corporation to
grant to eligible individuals options for the purchase of shares of the Corporation’s common stock, par value of $0.005 per share (the “Stock”); and 

WHEREAS, the Board has determined that it is desirable and in the best interests of the Corporation and its stockholders to grant the Optionee
an option to purchase a certain number of shares of Stock, in order to provide the Optionee with an incentive to advance the interests of the Corporation, all according to the terms and conditions set forth herein and in the Plan. 

NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, the parties hereto do hereby agree as follows: 

1. Grant of Non-Qualified Stock Option. Subject to the terms of the Plan, the Corporation hereby grants to
the Optionee the right and option (the “Option”) to purchase from the Corporation, on the terms and subject to the conditions set forth in this Option Agreement, the number of shares of Stock (the “Option Shares”) set forth in
Schedule A. The Date of Grant of this Option is the Grant Date (defined above). This Option shall not constitute an incentive stock option within the meaning of Section 422 of the Internal Revenue Code of 1986, as amended (the
“Code”). 
 2. Exercise Price. The exercise price for the shares of Stock subject to the
Option granted by this Option Agreement is the price per share set forth in Schedule A (the “Exercise Price”). 
 3.
Exercise of Option. Subject to the provisions of the Plan and subject to the earlier expiration or termination of this Option in accordance with its terms, the Option granted pursuant to this Option Agreement shall
be exercisable only as follows: 
 3.1. Time of Exercise of Option 

3.1.1 The Option shall become exercisable with respect to the Option Shares only as follows: One-third of the Option
Shares shall become exercisable on each of the first three anniversaries of the Date of Grant if the Optionee shall have remained in the continuous employ of the Corporation or any of its Subsidiaries as of each such date.

3.1.2 Notwithstanding Section 3.1.1 above, in accordance with the provisions of the Plan, if the Optionee ceases to be an
employee of the Corporation or a Subsidiary of 

 
the Corporation by reason of Disability (as defined in Section 3.3.2 below), the unexercised portion of any Option held by such Optionee at that time will become immediately vested and will
be exercisable until terminated in accordance with Section 3.3 below.
 3.1.3 Notwithstanding Section 3.1.1 above, in
accordance with the provisions of the Plan, if the Optionee dies while employed by the Corporation or a Subsidiary of the Corporation (or dies within a period of one month after ceasing to be an employee for any reason other than Disability or
within a period of one year after ceasing to be an employee by reason of Disability), the unexercised portion of any Option held by such Optionee at the time of death will become immediately vested and will be exercisable until terminated in
accordance with Section 3.3 below.
 3.2. Limitations 

The portion of the Option that has not become exercisable as of the date of the Optionee’s termination of employment with the Corporation
or any of its Subsidiaries for any reason shall automatically terminate as of the date of the Optionee’s termination of employment with the Corporation or its Subsidiaries and shall not become exercisable after such termination. To the
extent the Option is exercisable, it may be exercised, in whole or in part; provided, that no single exercise of the Option shall be for less than 100 shares, unless at the time of the exercise, the maximum number of shares available for
purchase under this Option is less than 100 shares. In no event shall the Option be exercised for a fractional share.
 3.3.
Termination of Option 
 This Agreement and the Option granted hereby shall terminate automatically and without further notice on the
earliest of the following dates: 
 3.3.1. 90 calendar days from the date of the Optionee’s termination of employment
with the Corporation or a Subsidiary for any reason other than death or Disability (as defined below); 
 3.3.2. one year
after the Optionee’s permanent and total disability as defined in Section 22(e)(3) of the Code (“Disability”); 

3.3.3. one year after the Optionee’s death, if such death occurs (i) while the Optionee is employed by the Corporation or
a Subsidiary, (ii) within the 90-day period following the Optionee’s termination of employment for any reason other than Disability; or (iii) within the one-year period following the Optionee’s termination of employment by reason of the
Optionee’s Disability; or 
 3.3.4. ten years from the Date of Grant. 

The Corporation shall have the authority to determine the date an Optionee ceases to be an employee by reason of Disability. In the case of
death, the Option may be exercised by the executor or administrator of the Optionee’s estate or by any person or persons who shall have acquired the Option directly from the Optionee by bequest or inheritance. The Optionee shall be

  

			
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deemed to be an employee of the Corporation or any Subsidiary if on a leave of absence approved by the Board and the continuous employment of the Optionee with the Corporation or any of its
Subsidiaries will not be deemed to have been interrupted, and the Optionee shall not be deemed to have ceased to be an employee of the Corporation or its Subsidiaries, by reason of the transfer of the Optionee’s employment among the Corporation
and its Subsidiaries. 
 3.4. Limitations on Exercise of Option 

In no event may the Option be exercised, in whole or in part, after the occurrence of an event which results in termination of the Option, as
set forth in Section 3.3 above. The Option shall not be exercisable if and to the extent the Corporation determines such exercise or method of exercise would violate applicable securities laws, the rules and regulations of any securities
exchange or quotation system on which the Stock is listed, or the Corporation’s policies and procedures.
 3.5. Method of Exercise
of Option 
 3.5.1. To the extent then exercisable, the Option may be exercised in whole or in part by written notice to
the Corporation stating the number of shares for which the Option is being exercised and the intended manner of payment. The date of such notice shall be the exercise date. Payment equal to the aggregate Exercise Price of the shares shall
be payable (i) in cash in the form of currency or check or other cash equivalent acceptable to the Corporation, (ii) by actual or constructive transfer to the Corporation of non-forfeitable, outstanding shares of Stock that have been owned by the
Optionee for at least six months prior to the date of exercise, (iii) by any combination of the foregoing methods of payment or (iv) in accordance with such other method or manner as set forth below. 

(a) Cash Exercise (to exercise and retain the Option Shares): Subject to the terms and conditions of this Option
Agreement and the Plan, the Option may be exercised by delivering written notice of exercise to the Corporation, at its principal office, addressed to the attention of Stock Plan Administration, or to the agent/broker designated by the Corporation,
which notice shall specify the number of shares for which the Option is being exercised, and shall be accompanied by payment in full of the Exercise Price of the shares for which the Option is being exercised plus the full amount of all applicable
withholding taxes due on the Option exercise. Payment of the Exercise Price for the shares of Stock purchased pursuant to the exercise of the Option shall be made either in cash or by certified check payable to the order of the
Corporation. If the person exercising the Option is not the Optionee, such person shall also deliver with the notice of exercise appropriate proof of his or her right to exercise the Option, as the Corporation may require in its sole
discretion. Promptly after exercise of the Option as provided for above, the Corporation shall deliver to the person exercising the Option a certificate or certificates for the shares of Stock being purchased.

  

			
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 (b) Same-Day-Sale Exercise (to exercise and immediately sell all the Option
Shares): Subject to the terms and conditions of this Option Agreement and the Plan, the Option may be exercised by delivering written notice of exercise to the agent/broker designated by the Corporation, which notice shall specify the number of
shares for which the Option is being exercised and irrevocable instructions to promptly (1) sell all of the shares of Stock to be issued upon exercise and (2) remit to the Corporation the portion of the sale proceeds sufficient to pay the Exercise
Price for the shares of Stock purchased pursuant to the exercise of the Option and all applicable taxes due on the Option exercise. The agent/broker shall request issuance of the shares and immediately and concurrently sell the shares on the
Optionee’s behalf. Payment of the Exercise Price for the shares of Stock purchased pursuant to the exercise of the Option, any brokerage fees, transfer fees, and all applicable taxes due on the Option exercise, shall be deducted from the
proceeds of the sale of the shares. If the person exercising the Option is not the Optionee, such person shall also deliver with the notice of exercise appropriate proof of his or her right to exercise the Option, as the Corporation may require
in its sole discretion. Promptly after exercise of the Option as provided for above, the agent/broker shall deliver to the person exercising the Option the net proceeds from the sale of the shares of Stock being exercised and sold. 

(c) Sell-to-Cover Exercise (to exercise and immediately sell a portion of the Option Shares): Subject to the terms and
conditions of this Option Agreement and the Plan, the Option may be exercised by delivering written notice of exercise to the agent/broker designated by the Corporation, which notice shall specify the number of shares for which the Option is being
exercised and irrevocable instructions to promptly (1) sell the portion (which must be a whole number) of the shares of Stock to be issued upon exercise sufficient to generate proceeds to pay the Exercise Price for the shares of Stock purchased
pursuant to the exercise of the Option, any brokerage or transfer fees, and all applicable taxes due on the Option exercise (collectively the “Exercise Costs”) and (2) remit to the Corporation a sufficient portion of the sale proceeds to
pay the Exercise Price for the shares of Stock purchased pursuant to the exercise of the Option and all applicable taxes due on the Option exercise. The agent/broker shall request issuance of the shares and immediately and concurrently sell on
the Optionee’s behalf only such number of the Shares as is required to generate proceeds sufficient to pay the Exercise Costs. Promptly after exercise of the Option as provided for above, the Corporation shall deliver to the person
exercising the Option a certificate for the shares of Stock issued upon exercise which are not sold to pay the Exercise Costs. Promptly after exercise of the Option as provided for above, the agent/broker shall deliver to the person exercising
the Option any net proceeds from the sale of the Shares in excess of the Exercise Costs. If the person exercising the Option is not the Optionee, such person shall also deliver with the notice of exercise appropriate proof of his or her right
to exercise the Option, as the Corporation may require in its sole discretion. 

  

			
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 3.5.2. As soon as practicable upon the Corporation’s receipt of the
Optionee’s notice of exercise and payment, the Corporation shall direct the due issuance of the shares so purchased. 

3.5.3. As a further condition precedent to the exercise of this Option in whole or in part, the Optionee shall comply with all
regulations and the requirements of any regulatory authority having control of, or supervision over, the issuance of the shares of Stock and in connection therewith shall execute any documents which the Board shall in its sole discretion deem
necessary or advisable. 
 3.6. Forfeiture and Right of Recoupment.  

Notwithstanding anything contained herein to the contrary, by accepting this Option, Optionee understands and agrees that if (a) the
Corporation is required to restate its consolidated financial statements because of material noncompliance due to irregularities with the federal securities laws, which restatement is due, in whole or in part, to the misconduct of Optionee, or (b)
it is determined that the Optionee has otherwise engaged in misconduct (whether or not such misconduct is discovered by the Corporation prior to the termination of Optionee’s employment), the Corporation may take such action with respect to the
Option as the Corporation, in its sole discretion, deems necessary or appropriate and in the best interest of the Corporation and its stockholders. Such action may include, without limitation, causing the forfeiture or cancellation of the
unvested and/or vested portion of the Option and the recoupment of any proceeds from the exercise or vesting of the Option and/or the sale of Option Shares issued pursuant to this Agreement. For purposes of this Section 3.6,
“misconduct” shall mean a deliberate act or acts of dishonesty or misconduct which either (i) were intended to result in substantial personal enrichment to the Optionee at the expense of the Corporation or (ii) have a material adverse
effect on the Corporation. Any determination hereunder, including with respect to Optionee’s misconduct, shall be made by the Board or its designee in its sole discretion. Notwithstanding any provisions herein to the contrary,
Optionee expressly acknowledges and agrees that the rights of the Corporation set forth in this Section 3.6 shall continue after Optionee’s employment with the Corporation or its Subsidiary is terminated, whether termination is voluntary or
involuntary, with or without cause, and shall be in addition to every other right or remedy at law or in equity that may otherwise be available to the Corporation. 

4. Withholding of Taxes. If the Corporation shall be required to withhold any federal, state, local or
foreign tax in connection with exercise of this Option, it shall be a condition to such exercise that the Optionee pay or make provision satisfactory to the Corporation for payment of all such taxes. The Optionee may elect that all or any part
of such withholding requirement be satisfied by retention by the Corporation of a portion of the shares purchased upon exercise of this Option. If such election is made, the shares so retained shall be credited against such withholding
requirement at the fair market value on the date of exercise. 
 5. Non-Assignability. The
Option is personal to the Optionee and may not be sold, exchanged, assigned, transferred, pledged, encumbered or otherwise disposed of by the Optionee; provided, however, that the Optionee’s rights with respect to the Option may be

  

			
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transferred by will or pursuant to the laws of descent and distribution or pursuant to a domestic relations order (within the meaning of Rule 16a-12 under the Securities Exchange Act of 1934, as
amended). Any purported transfer or encumbrance in violation of the provisions of this Section , shall be void, and the other party to any such purported transaction shall not obtain any rights to or interest in such Option. 

6. Compliance with Section 409A of the Code. To the extent applicable, it is intended that this Option Agreement and the
Plan comply with the provisions of Section 409A of the Code, so that the income inclusion provisions of Section 409A(a)(1) of the Code do not apply to Optionee. This Option Agreement and the Plan shall be administered in a manner consistent
with this intent, and any provision that would cause the Option Agreement or the Plan to fail to satisfy Section 409A of the Code shall have no force and effect until amended to comply with Section 409A of the Code (which amendment may be
retroactive to the extent permitted by Section 409A of the Code and may be made by the Corporation without the consent of the Optionee). 

7. Consent To Transfer Personal Data. By accepting the Options, Optionee voluntarily acknowledges and consents to the
collection, use, processing and transfer of personal data as described in this Section 6. Optionee is not obliged to consent to such collection, use, processing and transfer of personal data. However, failure to provide the consent may affect
Optionee’s ability to participate in the Plan. The Corporation and its Subsidiaries hold certain personal information about Optionee, that may include Optionee’s name, home address and telephone number, date of birth, social security
number or other employee identification number, salary, nationality, job title, any shares of stock held in the Corporation, or details of any entitlement to shares of stock awarded, canceled, purchased, vested, or unvested, for the purpose of
implementing, managing and administering the Plan (“Data”). The Corporation and/or its Subsidiaries will transfer Data amongst themselves as necessary for the purpose of implementation, administration and management of Optionee’s
participation in the Plan, and the Corporation and/or any of its Subsidiaries may each further transfer Data to any third parties assisting the Corporation in the implementation, administration and management of the Plan. These recipients may be
located throughout the world, including the United States. Optionee authorizes them to receive, possess, use, retain and transfer the Data, in electronic or other form, for the purpose of implementing, administering and managing Optionee’s
participation in the Plan, including any requisite transfer of such Data as may be required for the administration of the Plan and/or the subsequent holding of shares of stock on Optionee’s behalf by a broker or other third party with whom
Optionee or the Corporation may elect to deposit any shares of stock acquired pursuant to the Plan. Optionee may, at any time, review Data, require any necessary amendments to it or withdraw the consents herein in writing by contacting the
Corporation; however, withdrawing consent may affect Optionee’s ability to participate in the Plan. 
 8. Electronic Delivery and
Acceptance. The Corporation may, in its sole discretion, decide to deliver any documents or notices related to current or future participation in the Plan by electronic means. By accepting or exercising this Option,
electronically or otherwise, Optionee hereby consents to receive such documents or notices by electronic delivery and agrees to participate in the Plan through an on-line or electronic system established and maintained by the Corporation or a third
party designated by the Corporation, including the use of electronic signatures or click-through acceptance of terms and conditions or other electronic means such as an e-mail acknowledgement. 

  

			
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 9. Miscellaneous. 

(a) The Options granted pursuant to this Option Agreement are granted subject to the terms and conditions set forth in the Plan, a copy of
which has been delivered to the Optionee. All terms and conditions of the Plan, as may be amended from time to time, are hereby incorporated into this Option Agreement by reference and shall be deemed to be a part of this Option Agreement,
without regard to whether such terms and conditions (including, for example, provisions relating to certain changes in capitalization of the Corporation) are otherwise set forth in this Option Agreement. In the event that there is any
inconsistency between the provisions of this Option Agreement and of the Plan, the provisions of the Plan shall govern.
 (b) All decisions
and interpretations made by the Board or its designee with regard to any question arising under the Plan or this Option Agreement shall be binding and conclusive on the Optionee, the Optionee’s estate, executor, administrator, beneficiaries,
personal representative and guardian and the Corporation and its successors and assigns.
 (c) The grant of the Options is discretionary and
no provision in this Agreement shall be considered to be an employment contract or a part of the Optionee’s terms and conditions of employment, nor shall any provision be construed to confer upon the Optionee the right to be employed or be
retained in the employ by the Corporation or any Subsidiary, or to interfere in any way with the right and authority of the Corporation or any Subsidiary either to increase or decrease the compensation of the Optionee at any time, or to terminate
any employment or other relationship between the Optionee and the Corporation or any Subsidiary.
 (d) This Option Agreement, and the terms
and conditions of the Plan, shall bind, and inure to the benefit of the Optionee, the Optionee’s estate, executor, administrator, beneficiaries, personal representative and guardian and the Corporation and its successors and assigns. 

(e) This Option Agreement shall be governed by the laws of the State of Delaware (but not including the choice of law rules thereof). 

(f) Any action relating to or arising out of this Option Agreement shall be brought only in a court of competent jurisdiction located in
Delaware or Florida and the parties expressly consent to such venue. The parties consent to the personal jurisdiction of the courts located in Delaware or Florida over them. 

(g) Any amendment to the Plan shall be deemed to be an amendment to this Option Agreement to the extent that the amendment is applicable
hereto. The terms and conditions of this Option Agreement may not be modified, amended or waived, except by an instrument in writing signed by a duly authorized executive officer at the Corporation. Notwithstanding the foregoing, no
amendment shall adversely affect the Optionee’s rights under this Option Agreement without the Optionee’s consent; provided, however, that the Corporation unilaterally may waive any provision hereof in writing to the extent
that such waiver does not adversely affect the interests of the Optionee hereunder, but no such waiver shall operate as or be construed to be a subsequent waiver of the same provision or a waiver of any other provision hereof. 

  

			
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 (h) Any notice hereunder by the Optionee to the Corporation shall be in writing and shall be
deemed duly given (i) if mailed or delivered to the Corporation at its principal office, addressed to the attention of Stock Plan Administration, (ii) if electronically delivered to the e-mail address, if any, for Stock Plan Administration or (iii)
if so mailed, delivered or electronically delivered to such other address or e-mail address as the Corporation may hereafter designate by notice to the Optionee. Any notice hereunder by the Corporation to the Optionee shall be in writing and
shall be deemed duly given (i) if mailed or delivered to the Optionee at Optionee’s address listed in the Corporation’s records, (ii) if electronically delivered to the e-mail address, if any, for Optionee listed in the Corporation’s
records or (iii) if so mailed, delivered or electronically delivered to such other address or e-mail address as the Optionee may hereafter designate by written notice given to the Corporation. 

(i) If one or more of the provisions of this Option Agreement is invalidated for any reason by a court of competent jurisdiction, any
provision so invalidated shall be deemed to be separable from the other provisions hereof, and the remaining provisions hereof shall continue to be valid and fully enforceable. 

(j) This Option Agreement, the Plan, any Change-in-Control Employment Agreement between the Corporation and the Optionee, and, in the case of
the Corporation’s Chief Executive Officer only, the Amended and Restated Employment Agreement entered into effective as January 7, 2016, together constitute the entire agreement and supersedes all prior understandings and agreements, written or
oral, of the parties hereto with respect to the subject matter hereof. 
 (k) In the event that it is determined that the Optionee was not
eligible to receive this Option, the Option and this Option Agreement shall be null and void and of no further effect.
 (l) This Option
Agreement will be deemed to be signed by the Corporation and Optionee upon Optionee’s acceptance of the Notice of Grant of Stock Options attached as Schedule A. 

  

			
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 Schedule A 

(Attached)EX-10.06

 Exhibit 10.06 

RESTRICTED SHARE AWARD AGREEMENT 

THIS RESTRICTED SHARE AWARD AGREEMENT (this “Agreement”) is made as of the date set forth in Schedule A hereto (the “Grant
Date”) by and between ACI Worldwide, Inc., a Delaware corporation (the “Corporation”) and the individual identified in Schedule A hereto, an employee of the Corporation or its Subsidiaries (the “Grantee”). Capitalized terms
not otherwise defined herein shall have the meaning ascribed to such terms in the ACI Worldwide, Inc. 2016 Equity and Performance Incentive Plan (the “Plan”). 

WHEREAS, the Board has duly adopted, and the stockholders of the Corporation have approved, the Plan, which authorizes the Corporation to
grant to eligible individuals restricted shares of the Corporation’s common stock, par value of $0.005 per share (the “Common Shares”); and 

WHEREAS, the Board has determined that it is desirable and in the best interests of the Corporation and its stockholders to grant the Grantee
a certain number of restricted shares of the Corporation’s Common Shares in order to provide the Grantee with an incentive to advance the interests of the Corporation, all according to the terms and conditions set forth herein and in the Plan.

 NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, the parties hereto do hereby agree as follows:

 1. Grant of Restricted Shares. 

(a) Subject to the terms of the Plan, the Corporation hereby grants to the Grantee an award (the “Award”) of the number of Common
Shares (the “Shares” or the “Restricted Shares”) set forth in Schedule A. 
 (b) The Grantee’s rights with respect
to the Award shall remain forfeitable at all times prior to the dates on which the restrictions shall lapse in accordance with Sections 2 and 3 hereof. 

2. Terms and Rights as a Stockholder. 

(a) Except as provided herein and subject to such other exceptions as may be determined by the Board in its discretion, the Restricted Shares
shall vest and the “Restricted Period” for such Restricted Shares shall expire as to the increments set forth in Schedule A. 

(b) The Grantee shall have all rights of a stockholder with respect to the Restricted Shares, including the right to receive dividends and the
right to vote such Shares, subject to the following restrictions: 
  

	 	(i)	the Grantee shall not be entitled to delivery of any Shares until the expiration of the Restricted Period as to such Shares; 

	 	(ii)	none of the Restricted Shares may be sold, assigned, transferred, pledged, hypothecated or otherwise encumbered or disposed of during the Restricted Period as to such Shares; and 

 

	 	(iii)	except as otherwise determined by the Board at or after the grant of the Award hereunder, if the Grantee’s employment with the Corporation or any Subsidiary is terminated at any time for any reason, any of the
Restricted Shares as to which the Restricted Period has not expired shall be forfeited, and all rights of the Grantee to such Shares shall terminate, without further obligation on the part of the Corporation and ownership of all such forfeited
Restricted Shares shall be transferred back to the Corporation.

 Any Shares, any other securities of the Corporation and any
other property (except for cash dividends) distributed with respect to the Restricted Shares shall be subject to the same restrictions, terms and conditions as such Restricted Shares. 

In order to facilitate the transfer back to the Corporation of any Restricted Shares that are forfeited and cancelled as described herein,
including a transfer as payment of required withholding taxes as set forth in Section 7 of this Agreement or pursuant to Section 6 below, Grantee shall, upon the request of the Corporation, provide a stock power or other instrument of assignment
(including a power of attorney) endorsed in blank, with a guarantee of signature if deemed necessary or appropriate by the Corporation. 

(c) Notwithstanding the foregoing, the Restricted Shares shall vest and the Restricted Period shall automatically terminate as to all
Restricted Shares awarded hereunder (as to which such Restricted Period has not previously terminated) upon the termination of the Grantee’s employment with the Corporation or a Subsidiary which results from the Grantee’s death or
Disability (as defined in Section 22(e)(3) of the Internal Revenue Code of 1986, as amended, the “Code”). 
 3. Termination
of Restrictions. 
 (a) Upon the expiration or termination of the Restricted Period as to any portion of the Restricted Shares, or
at such earlier time as may be determined by the Board, all restrictions set forth in this Agreement or in the Plan relating to such portion of the Restricted Shares shall lapse as to such portion of the Restricted Shares, and the appropriate number
of Shares, free of the restrictions and restrictive stock legend or notation, as applicable, shall be delivered to the Grantee or the Grantee’s beneficiary or estate, as the case may be, pursuant to the terms of this Agreement.

(b) Notwithstanding the foregoing, the expiration or termination of the Restricted Period as to any portion of Restricted Shares shall be
delayed in the event the Corporation reasonably anticipates that the expiration or termination of the Restricted Period, or the delivery of unrestricted Shares would constitute a violation of federal securities laws or other applicable law. If
the expiration or termination of the Restricted Period, or the delivery of 

  

			
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unrestricted Shares, is delayed by the provisions of this Section 3(b), such expiration, termination and/or delivery shall occur at the earliest date at which the Corporation reasonably
anticipates such expiration, termination or delivery will not cause a violation of federal securities laws or other applicable law. For purposes of this Section 3(b), the delivery of Shares that would cause inclusion in gross income or the
application of any penalty provision or other provision of the Code is not considered a violation of applicable law. 
 4. Delivery
of Shares. 
 (a) As of the date hereof, the Restricted Shares shall be registered in the name of the
Grantee and held by the Corporation or transferred to a custodian appointed by the Corporation for the account of the Grantee subject to the terms and conditions of the Plan and shall remain in the custody of the Corporation or such custodian until
their delivery to the Grantee or Grantee’s beneficiary or estate as set forth in Sections 4(b) and 4(c) hereof or their reversion to the Corporation as set forth in Sections 2(b)(iii) and 6 hereof.

(b) The Restricted Shares in respect of which the Restricted Period has lapsed pursuant to this Agreement shall be delivered to the Grantee as
soon as practicable following the date on which the restrictions on such Restricted Shares lapse subject to Section 7 below. The Corporation shall issue the Restricted Shares either (i) in certificate form or (ii) in book entry form, registered
in the name of the Grantee, with legends, or notations, as applicable, referring to the terms, conditions and restrictions applicable to the Award. 

(c) Restricted Shares in respect of which the Restricted Period lapsed upon the Grantee’s death shall be delivered to the executors or
administrators of the Grantee’s estate in the manner described in Section 4(b) as soon as practicable following the receipt of proof of the Grantee’s death satisfactory to the Corporation subject to Section 7 below. 

(d) Any certificate issued representing Restricted Shares shall bear a legend in substantially the following form: 

THIS CERTIFICATE AND THE SHARES OF STOCK REPRESENTED HEREBY ARE SUBJECT TO THE TERMS AND CONDITIONS (INCLUDING FORFEITURE AND
RESTRICTIONS AGAINST TRANSFER) CONTAINED IN THE ACI WORLDWIDE, INC. 2016 EQUITY AND PERFORMANCE INCENTIVE PLAN (THE “PLAN”) AND THE RESTRICTED SHARE AWARD AGREEMENT (THE “AGREEMENT”) BETWEEN THE OWNER OF THE RESTRICTED SHARES
REPRESENTED HEREBY AND ACI WORLDWIDE, INC. (THE “CORPORATION”). THE RELEASE OF SUCH SHARES FROM SUCH TERMS AND CONDITIONS SHALL BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF THE PLAN AND THE AGREEMENT, COPIES OF WHICH ARE ON FILE AT
THE CORPORATION. 
 5. Effect of Lapse of Restrictions. To the extent that the Restricted Period applicable to any
Restricted Shares shall have lapsed, the Grantee may receive, hold, sell or otherwise dispose of such Shares free and clear of the restrictions imposed under the Plan and this Agreement subject to the rights of the Corporation for recoupment set
forth in Section 6 below. 

  

			
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 6. Forfeiture and Right of Recoupment. Notwithstanding anything
contained herein to the contrary, by accepting this Award, Grantee understands and agrees that if (a) the Corporation is required to restate its consolidated financial statements because of material noncompliance due to irregularities with the
federal securities laws, which restatement is due, in whole or in part, to the misconduct of Grantee, or (b) it is determined that the Grantee has otherwise engaged in misconduct (whether or not such misconduct is discovered by the Corporation prior
to the termination of Grantee’s employment), the Corporation may take such action with respect to the Award as the Corporation, in its sole discretion, deems necessary or appropriate and in the best interest of the Corporation and its
stockholders. Such action may include, without limitation, causing the forfeiture of unvested Restricted Shares, requiring the transfer of ownership back to the Corporation of unrestricted Shares issued hereunder and still held by the Grantee
and the recoupment of any proceeds from the vesting of Restricted Shares or the sale of unrestricted Shares issued pursuant to this Agreement. For purposes of this Section 6, “misconduct” shall mean a deliberate act or acts of
dishonesty or misconduct which either (i) were intended to result in substantial personal enrichment to the Grantee at the expense of the Corporation or (ii) have a material adverse effect on the Corporation. Any determination hereunder,
including with respect to Grantee’s misconduct, shall be made by the Board or its designee in its sole discretion. Notwithstanding any provisions herein to the contrary, Grantee expressly acknowledges and agrees that the rights of the
Corporation set forth in this Section 6 shall continue after Grantee’s employment with the Corporation or its Subsidiary is terminated, whether termination is voluntary or involuntary, with or without cause, and shall be in addition to every
other right or remedy at law or in equity that may otherwise be available to the Corporation. 
 7. Withholding of
Taxes.  
 (a) The Grantee shall be liable for any and all taxes, including withholding taxes, arising out of this
grant or the vesting of Restricted Shares hereunder. In the event that the Corporation or the Grantee’s employer (the “Employer”) is required to withhold taxes as a result of the grant or vesting or subsequent sale of Shares
hereunder, the Grantee shall at the election of the Corporation, in its sole discretion, either (i) surrender a sufficient number of whole Shares for which the Restricted Period has expired or other Common Shares owned by the Grantee, having a fair
market value, as determined by the Corporation on the last day of the Restricted Period equal to the amount of such taxes, or (ii) make a cash payment, as necessary to cover all applicable required withholding taxes and required social
security/insurance contributions at the time the restrictions on the Restricted Shares lapse, unless the Corporation, in its sole discretion, has established alternative procedures for such payment. If the number of shares required to cover all
applicable withholding taxes and required social security/insurance contributions includes a fractional share, then Grantee shall deliver cash in lieu of such fractional share. All matters with respect to the total amount to be withheld shall be
determined by the Corporation in its sole discretion. 
 (b) Regardless of any action the Corporation or the Grantee’s Employer takes
with respect to any or all income tax, social security/insurance, payroll tax, payment on account 

  

			
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or other tax-related withholding (“Tax-Related Items”), the Grantee acknowledges and agrees that the ultimate liability for all Tax-Related Items legally due by him is and remains the
Grantee’s responsibility and that the Corporation and or the Employer (i) make no representations nor undertakings regarding the treatment of any Tax-Related Items in connection with any aspect of this grant of Restricted Shares, including
the grant, vesting or release, the subsequent sale of Shares and receipt of any dividends; and (ii) do not commit to structure the terms or any aspect of this grant of Restricted Shares to reduce or eliminate the Grantee’s liability for
Tax-Related Items. The Grantee shall pay the Corporation or the Employer any amount of Tax-Related Items that the Corporation or the Employer may be required to withhold as a result of the Grantee’s participation in the Plan or the
Grantee’s receipt of Restricted Shares that cannot be satisfied by the means previously described above in Section 7(a). The Corporation may refuse to deliver the Shares related thereto if the Grantee fails to comply with the Grantee’s
obligations in connection with the Tax-Related Items. 
 (c) Grantee will notify the Corporation in writing if he or she files an election
pursuant to Section 83(b) of the Code. The Grantee understands that he or she should consult with his or her tax advisor regarding the advisability of filing with the Internal Revenue Service an election under 83(b) of the Code, which must be
filed no later than thirty (30) days after the date of the acquisition of the Shares pursuant to this Agreement, the Grant Date. This time period cannot be extended. The Grantee acknowledges that timely filing of a Section 83(b) election
is the Grantee’s sole responsibility.
 8. Non-Assignability. The Restricted Shares are personal to
the Grantee and may not be sold, exchanged, assigned, transferred, pledged, encumbered or otherwise disposed of by the Grantee until the Restricted Period expires or terminates as provided in this Agreement; provided, however, that the
Grantee’s rights with respect to such Restricted Shares may be transferred by will or pursuant to the laws of descent and distribution. Any purported transfer or encumbrance in violation of the provisions of this Section 8, shall be void,
and the other party to any such purported transaction shall not obtain any rights to or interest in such Restricted Shares. 
 9.
Compliance with Section 409A of the Code. To the extent applicable, it is intended that this Agreement and the Plan comply with the provisions of Section 409A of the Code, so that the income inclusion provisions of Section
409A(a)(1) of the Code do not apply to the Grantee. This Agreement and the Plan shall be administered in a manner consistent with this intent, and any provision that would cause the Agreement or the Plan to fail to satisfy Section 409A of the
Code shall have no force and effect until amended to comply with Section 409A of the Code (which amendment may be retroactive to the extent permitted by Section 409A of the Code and may be made by the Corporation without the consent of the Grantee).

 10. Consent To Transfer Personal Data. By accepting these Restricted Shares, Grantee voluntarily
acknowledges and consents to the collection, use, processing and transfer of personal data as described in this Section 10. Grantee is not obliged to consent to such collection, use, processing and transfer of personal data. However, failure to
provide the consent may affect Grantee’s ability to participate in the Plan. The Corporation and its Subsidiaries hold certain personal information about Grantee, that may include Grantee’s name, home address and telephone number, date of
birth, social security number or other employee identification number, salary, nationality, job title, any shares of stock held in the Corporation, or details of any 

  

			
	Page 5	  	US Participant

 
entitlement to shares of stock awarded, canceled, purchased, vested, or unvested, for the purpose of implementing, managing and administering the Plan (“Data”). The Corporation
and/or its Subsidiaries will transfer Data amongst themselves as necessary for the purpose of implementation, administration and management of Grantee’s participation in the Plan, and the Corporation and/or any of its Subsidiaries may each
further transfer Data to any third parties assisting the Corporation in the implementation, administration and management of the Plan. These recipients may be located throughout the world, including the United States. Grantee authorizes them to
receive, possess, use, retain and transfer the Data, in electronic or other form, for the purpose of implementing, administering and managing Grantee’s participation in the Plan, including any requisite transfer of such Data as may be required
for the administration of the Plan and/or the subsequent holding of shares of stock on Grantee’s behalf by a broker or other third party with whom Grantee or the Corporation may elect to deposit any shares of stock acquired pursuant to the
Plan. Grantee may, at any time, review Data, require any necessary amendments to it or withdraw the consents herein in writing by contacting the Corporation; however, withdrawing consent may affect Grantee’s ability to participate in the
Plan.
 11. Electronic Delivery and Acceptance. The Corporation may, in its sole discretion, decide to deliver any
documents or notices related to current or future participation in the Plan by electronic means. By accepting the Restricted Shares, electronically or otherwise, Grantee hereby consents to receive such documents or notices by electronic delivery and
agrees to participate in the Plan through an on-line or electronic system established and maintained by the Corporation or a third party designated by the Corporation, including the use of electronic signatures or click-through acceptance of terms
and conditions or other electronic means such as an e-mail acknowledgement. 
 12. Miscellaneous. 

(a) The Restricted Shares granted pursuant to this Agreement are granted subject to the terms and conditions set forth in the Plan, a copy of
which has been delivered to the Grantee. All terms and conditions of the Plan, as may be amended from time to time, are hereby incorporated into this Agreement by reference and shall be deemed to be a part of this Agreement, without regard to
whether such terms and conditions (including, for example, provisions relating to certain changes in capitalization of the Corporation) are otherwise set forth in this Agreement. In the event that there is any inconsistency between the
provisions of this Agreement and of the Plan, the provisions of the Plan shall govern.
 (b) All decisions and interpretations made by the
Board or its designee with regard to any question arising under the Plan or this Agreement shall be binding and conclusive on the Grantee, the Grantee’s estate, executor, administrator, beneficiaries, personal representative and guardian and
the Corporation and its successors and assigns.
 (c) The grant of the Restricted Shares is discretionary and no provision in this Agreement
shall be considered to be an employment contract or a part of the Grantee’s terms and conditions of employment, nor shall any provision be construed to confer upon the Grantee the right to be employed or be retained in the employ by the
Corporation or any Subsidiary, or to interfere in any way with the right and authority of the Corporation or any Subsidiary either to increase or decrease the compensation of the Grantee at any time, or to terminate any employment or other
relationship between the Grantee and the Corporation or any Subsidiary.

  

			
	Page 6	  	US Participant

 (d) This Agreement, and the terms and conditions of the Plan, shall bind, and inure to the
benefit of the Grantee, the Grantee’s estate, executor, administrator, beneficiaries, personal representative and guardian and the Corporation and its successors and assigns. 

(e) This Agreement shall be governed by the laws of the State of Delaware (but not including the choice of law rules thereof). 

(f) Any action relating to or arising out of this Agreement shall be brought only in a court of competent jurisdiction located in Delaware or
Florida and the parties expressly consent to such venue. The parties consent to the personal jurisdiction of the courts located in Delaware or Florida over them. 

(g) Any amendment to the Plan shall be deemed to be an amendment to this Agreement to the extent that the amendment is applicable
hereto. The terms and conditions of this Agreement may not be modified, amended or waived, except by an instrument in writing signed by a duly authorized executive officer at the Corporation. Notwithstanding the foregoing, no amendment
shall adversely affect the Grantee’s rights under this Agreement without the Grantee’s consent; provided, however, that the Corporation unilaterally may waive any provision hereof in writing to the extent that such waiver does not
adversely affect the interests of the Grantee hereunder, but no such waiver shall operate as or be construed to be a subsequent waiver of the same provision or a waiver of any other provision hereof. 

(h) Any notice hereunder by the Grantee to the Corporation shall be in writing and shall be deemed duly given (i) if mailed or delivered to
the Corporation at its principal office, addressed to the attention of Stock Plan Administration, (ii) if electronically delivered to the e-mail address, if any, for Stock Plan Administration or (iii) if so mailed, delivered or electronically
delivered to such other address or e-mail address as the Corporation may hereafter designate by notice to the Grantee. Any notice hereunder by the Corporation to the Grantee shall be in writing and shall be deemed duly given (i) if mailed or
delivered to the Grantee at Grantee’s address listed in the Corporation’s records, (ii) if electronically delivered to the e-mail address, if any, for Grantee listed in the Corporation’s records or (iii) if so mailed, delivered or
electronically delivered to such other address or e-mail address as the Grantee may hereafter designate by written notice given to the Corporation. 

(i) If one or more of the provisions of this Agreement is invalidated for any reason by a court of competent jurisdiction, any provision so
invalidated shall be deemed to be separable from the other provisions hereof, and the remaining provisions hereof shall continue to be valid and fully enforceable. 

(j) This Agreement, the Plan, any Change-in-Control Employment Agreement between the Corporation and the Grantee, and, in the case of
Corporation’s Chief Executive Officer only, the Amended and Restated Employment Agreement entered into effective as January 7, 2016, together constitute the entire agreement and supersedes all prior understandings and agreements, written or
oral, of the parties hereto with respect to the subject matter hereof. 

  

			
	Page 7	  	US Participant

 (k) In the event that it is determined that the Grantee was not eligible to receive this award of
Restricted Shares, the award of Restricted Shares and this Agreement shall be null and void and of no further effect.
 (l) This Agreement
will be deemed to be signed by the Corporation and Grantee upon Grantee’s acceptance of the Notice of Grant of Award attached as Schedule A. 

  

			
	Page 8	  	US Participant

 Schedule A 

(Attached) 

  

			
	Page 9	  	US Participant

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