February 3, 2004
TSYS and Cyota Provide Secure Online Identification to Providian


COLUMBUS, Ga., Feb. 3 /PRNewswire-FirstCall/ -- Providian Financial Corp. has selected TSYS(R) and Cyota(R) to provide secure online identification technology to its more than 10 million cardholders. Providian's Verified by Visa and MasterCard(R) SecureCode(TM) programs are in full production, and available immediately. The anti-fraud service is delivered by TSYS and powered by Cyota's SecureSuite.(TM)

Cyota's SecureSuite technology is the world's leading Verified by Visa and MasterCard SecureCode solution, currently used by eight of the top 12 issuers in the United States and U.K. TSYS implemented Cyota SecureSuite in 2001, and has since delivered Verified by Visa and MasterCard SecureCode services to many of its global clients. SecureSuite powered the first Verified by Visa program in December 2001, as well as the first MasterCard SecureCode program in December 2002. Driven by ongoing innovation, Cyota provides global financial institutions with a wide range of security and anti-fraud solutions.

Verified by Visa and MasterCard SecureCode authenticate cardholders at the point of purchase by prompting cardholders to enter a secret password before the Internet transaction is approved -- similar to the PIN that's required at an ATM. The new initiatives are designed to provide cardholders with an extra measure of security, thus increasing their confidence in online transactions, while participating issuers and merchants avoid the risk and expense of potentially fraudulent transactions.

About Cyota
Cyota is the world's leading provider of security and anti-fraud solutions for financial institutions. Cyota SecureSuite 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 350 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 http://www.cyota.com/.

About TSYS
TSYS (NYSE: TSS) ( http://www.tsys.com ) 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) ( http://www.synovus.com ) owns an 81-percent interest in TSYS. For more information,
contact: news@tsys.com.

About Providian
San Francisco-based Providian Financial ( http://www.providian.com ) is a leading provider of credit cards to mainstream American customers throughout the U.S. By combining experience, analysis and technology, Providian seeks to build long-lasting relationships with its customers by providing products and services that meet their evolving financial needs.

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