December 15, 2003
With Cyota, TSYS(R) Expands Relationship with CIBC
COLUMBUS, Ga., Dec. 15 /PRNewswire-FirstCall/ -- Expanding its relationship with CIBC, a major Canadian financial institution, TSYS(R) and
Cyota bring enhanced online identification technology to CIBC cardholders. Verified by Visa, as the service is known, increases security and confidence for CIBC's customers who shop online and reduces the risk of fraud for the card issuer and participating online merchants.

CIBC is the first major Canadian bank to allow its Visa cardholders to sign for online purchases with a secret password. The institution's improved fraud service is delivered by TSYS and powered by Cyota's SecureSuite, which is a fully integrated component of TSYS CardGuard(R), the industry's most comprehensive fraud services system. CIBC is Canada's leading credit-card provider with the largest market share of outstanding balances and purchase volume. TSYS services more than half of all Visa accounts in Canada, and
Cyota's SecureSuite is used by seven of the top-12 issuing banks in the United States and UK.

Here's how it works: Verified by Visa authenticates cardholders at the point of purchase by prompting cardholders to "sign" for their purchase with a private password that's entered in a pop-up window on their PC before the
Internet transaction is approved - much like the familiar PIN that's required at an ATM. The extra step assures customers that their accounts are protected.
And by knowing the customer's identity with greater certainty, the bank and participating merchants avoid the risk and expense of potentially fraudulent transactions. Cyota has improved the service for Canadians to include bilingual support for CIBC's English- and French-speaking customers.

Cyota SecureSuite is a modular platform that seamlessly integrates
multiple payment security applications, including Verified by Visa,
MasterCard's SecureCode and more. TSYS implemented Cyota's SecureSuite platform in 2001, and the companies have since delivered the services to multiple issuers worldwide. Cyota currently powers more than 80 percent of the cards eligible for the service in the United States.

About Cyota
Cyota is the leading payment security provider for financial institutions.
Cyota Secure-Suite is the only integrated payment security platform, designed
to seamlessly integrate a wide range of credit and debit card security
solutions into a single, consistent and cost-effective solution. Cyota
services multiple clients in North America, Europe and the Asia-Pacific with
systems currently available to more than 300 million cardholders worldwide.
Founded in 1999, Cyota is based in New York. Cyota is led by a respected
management team with extensive experience in the security, Internet and
banking industries. For more information, see .

About TSYS
TSYS (NYSE: TSS) ( ) brings integrity and innovation to the world of electronic payment services as the integral link between buyers and
sellers in this rapidly evolving universe. Synovus (NYSE: SNV)
( ) owns an 81-percent interest in TSYS. For more
information, contact .

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