Citizens Security Chooses Apptical for Audio Fulfillment Telephone Interviews

Apptical SoundDecisions Turnkey Service has expanded business hours to cater to field Agents

Boca Raton, FL - March 15, 2005 - Apptical Corp., a leading provider of business process solutions to the insurance industry, announced that Citizens Security Life Insurance Company has chosen the Apptical SoundDecisions Turnkey Service to conduct its Teleunderwriting interviews.

Citizens Security is focused on better classifying risks and decreasing application fraud while catering to the needs of their diverse Producer network. Apptical SoundDecisions Turnkey Service facilitates the expanded business hours, point-of-sale incoming call support, Spanish-speaking interviewers and digital audio recording necessary to conduct telephone interviews on behalf of Citizens Security.

Apptical SoundDecisions offers additional information to help insurance underwriters understand the environment in which their business is being transacted such as Caller ID Name, Caller ID Phone Number and hold time reporting.

"Apptical was the obvious choice," said Cheryl Glenn -- Vice President, Underwriting for Citizens Security Life Insurance Company. "The three ways Apptical stood out from the crowd was their expanded hours of operation, high availability of Spanish speaking interviewers and the instant availability of the interview audio recording. We felt these factors would contribute to a successful ongoing implementation."

"Citizens Security took their time and analyzed their options. They sent us an RFP that asked questions about SoundDecisions that were important to Citizens Security," said Tamara Clark - Telephonic Services Supervisor for Apptical. "We analyzed the RFP and knew we were the right team for the job. Citizens Security is pursuing a paperless environment and the SoundDecisions platform not only supports but encourages that environment. They wanted images of the interview report as well as the granular data that is collected and SoundDecisions already provides those options. Beside that, everybody loves the instant-listen technology where they can hear the interviews immediately upon completion over the web."

About Apptical

Founded in 1988, Apptical has consistently delivered high quality audio based, image based and conventional business process solutions to the financial industry. Apptical is the leading company to offer a browser based solution to instantly listen to completed telephone interviews securely from a remote location. All Apptical solutions are designed from the ground up with the functionality that insurance companies need for operating in a high availability, instant fulfillment environment. Apptical SoundDecisions is a scalable Windows and browser based telephone interview platform that supports audio capture, custom questionnaires, drilldown, question branching, data storage, instant rendering, data mining, multi-lingual scripts, condition, treatment, financial and provider schedules and XML Web Services. SoundDecisions is available as a turnkey solution from Apptical or as a licensed software solution for insurance company in-house use. Apptical is based in Boca Raton, FL. Visit Apptical on the Web at www.apptical.com.

About Citizens Security Life Insurance Company

Citizens Security Life Insurance Company, a wholly-owned subsidiary of Citizens Financial Corporation, is a Kentucky domiciled life and health insurance company. Operations are conducted through sales representatives located in 20 states and the District of Columbia, primarily located in the South and Southeast. Competitive insurance products offered include individual life, group life and health, and annuities. Visit Citizens Security Life Insurance Company on the Web at www.citizensfinancialcorp.com

For Further Information Contact:

Apptical Corp. Paul Klimek - Director, Business Development 7000 West Camino Real Boulevard Suite 200 Boca Raton, Florida 33433 561-368-3776 #2012 [email protected]

Citizens Security Life Insurance Company Cheryl Glenn Vice President, Underwriting 12910 Shelbyville Road
Louisville, Kentucky 40243
502-244-2432
[email protected]