Dear Shareholder:

You are cordially invited to attend our Annual Meeting of Shareholders at 9:30 a.m. on Thursday, April 13, 2000, at the TSYS Riverfront Campus Auditorium, 1600 First Avenue, Columbus, Georgia. Enclosed with this Proxy Statement are your proxy card and the 1999 Annual Report.

We hope that you will be able to be with us and let us give you a review of 1999. Whether you own a few or many shares of stock and whether or not you plan to attend in person, it is important that your shares be voted on matters that come before the meeting. To make sure your shares are represented, we urge you to vote promptly.

Thank you for helping us make 1999 a good year. We look forward to your continued support in 2000 and another good year.

		Sincerely yours,
		RICHARD W. USSERY

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