PRESS RELEASE Spron to Deploy 'e-Card' in Scandinavian Countries

"Scandinavian markets have the same very crowded credit card market
characteristics as Iceland: intense competition between banks, highly
sophisticated markets and very high card usage," said Kristjan Hardarson,
executive vice president at Spron. "Spron aims to offer something new and
exciting in the region and to make the e-Card the preferred credit card
brand.

About SPRON

Reykjavik Saving Bank (SPRON) is the largest savings bank in Iceland and
one of the leading financial institutions in Iceland.

The parent
company, HMV Group plc, also owns 189 Waterstone's specialist book
stores in the UK and Ireland , and plans to offer a Waterstone's gift
card in 2005.com will be open to all brands of gift cards ranging from
popular mall-based retailers to bank branded cash cards. The
new site is also expected to offer benefits to future holders of Legend's
card products. It is important to note that actual
outcomes and the Company's actual results could differ materially from
forward-looking statements .

site blood

Spron's e-Card is powered by Welcome's XLS payment technology.co.tsys.

wars site

After having successfully launched e-Card in Iceland where it increased its
market share by 10% in a very saturated card market in less than two years,
Spron is now about to enter the Nordic countries and is looking for
potential partners in the region seeking to develop the credit card market.65% to 15% cash back from retailers .

Card spending is now about 30% above average in Iceland, and as of last
year, transaction numbers were running more than 40% above average.com.

TSYS Europe Delivers Gift-Card Services in the United Kingdom; HMV Becomes First UK Entertainment Retailer to Offer Gift Cards

"Working with TSYS and RBSG has allowed us to quickly create the
HMV Gift Card, providing our customers unparalleled choices for
accessing music, DVDs and games," says Gideon Lask, HMV's head of
marketing projects , promotions and CRM. "TSYS provides a
European-based infrastructure, market experience and delivery
capability that European retailers like HMV expect and deserve. It has nearly 200 stores equating to well over 1
million square feet of trading space in all major locations. HMV
offers customers unrivalled access to over 150,000 recorded music
titles as well as a comprehensive range of home entertainment
products, including DVD and computer games -- both through its high
street stores and its website, hmv.com

com, a web site dedicated to buying, trading,
and selling gift cards. Legend Credit will
derive a transaction fee from users who actually sell cards.

"Our own customers have asked for this type of service.

Statements in this press release that are not purely historical are
forward-looking statements, including statements regarding Legend's
beliefs , expectations, hopes or intentions regarding the future.

games records

Cardholders can spend
their cash back anywhere among 200 merchants participating in the e-Card
program.welcome-rt.
The non-denominated, re-loadable cards are now available in HMV's 200
stores throughout the UK, and can be activated in amounts ranging from
GBP 1 to GBP 500."
"TSYS enabled HMV to implement a gift-card program that was
well-received by their customers, leading to additional revenue during
the peak holiday sales period. For more information, contact
www. today announced that is has begun the
development of Giftcardstoday .
Giftcardstoday. The business
model encourages users to list unwanted cards and browse the cards of other
users.

site trading

In Iceland,
for example, e-Card offers cardholders 0.

About HMV UK Ltd

HMV is the UK's leading specialist retailer of music, DVD and
computer games.

The site will allow users to place unwanted cards for sale and trade.

The popularity of gift cards has grown significantly in recently years.
Sales of gift cards are expected to reach $55.

cards trading

To achieve this objective, we will leverage our current active
partnership with Welcome and their XLS payment technology. We are pleased to contribute our products and expertise
to this unique payment tool . Welcome
recently won 'ROI of the Year Award' from The Banker magazine. The company
works with major banks and financial institutions around the world. With our new service, users should be able to quickly
monetize unwanted cards or get one of value to them," said Peter Klamka,
President of Legend Credit Inc.5 billion this year.

card games

About Welcome

Welcome is the world's leading provider of payment software that utilizes
the full capabilities of EMV standard
(Europay-MasterCard -Visa) chip credit and debit cards to create a much more
exciting and richer payment experience. EMV cards without Welcome's software can only
combat fraud, whereas the same cards with Welcome's software can also fight
commoditization, for essentially the same cost as fraud alone.
Knutson , managing director for TSYS Europe.

Legend Credit Inc.

Giftcardstoday.com is scheduled to launch within sixty days. Readers should also refer to the risk
disclosures outlined in the Company 's reports filed with the Securities and
Exchange Commission.

trading cards

"

Welcome

Nicolas Lefort, regional manager for Nordic countries at Welcome added,
"e-Card is really focused on getting the most out of electronic money and
enhancing payment to provide cardholders an exciting experience at the
moment of payment.

Payment commoditization, resulting
in rate wars and fee reforms, has recently been shown to cost banks five to
ten times more than fraud. For further
information visit: www. Founded in 1932 , it
is a self-owned institution., + YORK, England----TSYS (NYSE: TSS) today announced the successful launch of its
retail gift-card technology for HMV, the largest retailer of music,
DVD and games in the UK. Working together with The Royal Bank of
Scotland Group (RBSG), a major provider of financial services for
retailers in the UK, the customized gift-card program was designed,
tested and implemented in 12 weeks.
Launched in October for the 2004 holiday season, the innovative
alternative to HMV 's paper-based voucher program proved highly
successful, selling more than 1 million gift cards before year-end. (OTC BB: LGMB), a
subsidiary of Legend Mobile Inc.
According to industry estimates, nearly two thirds of all American adults
said they received or purchased a gift card in the last twelve months. has developed a number of stored value products in
recent years including celebrity gift cards and reloadable debit cards.

games site

"

Enhanced payment technology gives Spron and retailers more flexibility in
granting awards; they can base cash back rewards in real time, on consumer
spending in a given period, volume or frequency of purchase. "The experience, scalability
and technology provided by TSYS resulted in a seamless implementation,
allowing easy adoption by our customers and overwhelming activations. The European gift-card market is in the
developing stage and responsiveness is crucial to European retailers
that are looking to implement a gift-card program," says Kelley C.uk

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.

PRESS RELEASE Legend Credit to Enter Gift Card Trading Business With New Site

Legend Credit Inc. Giftcardstoday . It is often difficult to obtain
cash for stored value cards and certain maintenance fees can erode a card's
value over time.
Forward-looking statements in this release include, but are not limited to,
statements regarding the ability to complete the development of the
website; the ability of the company to develop and market the site, the
demand for the Company's products and solutions; and sometimes contain
words such as "believe," "expect," "intend," "anticipate," "plan," and
"estimate" or similar expressions.

wars trading

Spron announced today it will
deploy the "e-Card" program in Scandinavian countries, particularly Norway,
Denmark and Finland, through a network of partnering issuers, acquirers and
retailers.5% cash back from the bank and
additional 0.
Welcome is headquartered in Aix-en-Provence, France, with offices and R&D
facilities in Singapore, London, Philadelphia and Sao Paulo.

Business Editors

COLUMBUS, Ga."
HMV plans to actively market the product with Internet fulfillment
and initiatives aimed at certain customer segments. Synovus (NYSE: SNV ) owns an
81-percent interest in TSYS.com
comes out of a need that we recognized from consumers who received a
specific gift card and did not want it.