Moonachie, NJ, December 16, 2004 – APT Digital Marketing Solutions, a provider of marketing and digital printing solutions, announced today that Union Bank of California, N.A., one of the top ten providers of cash management services in the U.S., has selected Standard & Poor’s Plan on Demand as its web-based enrollment kit services provider. Created by APT Digital Marketing Solutions and Standard & Poor’s, a leading provider of independent investment research, ratings and indices, Plan on Demand is a secure, web-based service that will allow plan providers to create, edit and order customized enrollment kits and other supporting documents to improve efficiency and speed customer response times. Union Bank of California selected Plan on Demand to offer its customers an enhanced print-on-demand solution for customizing enrollment kits. Plan on Demand allows users to answer a series of questions that trigger individualized kit output. The system creates a variable page count document that can be proofed online and printed directly on preprinted shells. Generating enrollment books that hold timely information relevant to the recipient is also expected to improve plan participation. “Union Bank of California’s impressive growth can be attributed to a well-defined focus on customer service,” said Nicholas Brusco, president of APT Digital Marketing Solutions. “Plan on Demand contributes to that focus by making it easier for participants to actively be involved in their plans, hence improving participation. We look forward to providing Union Bank a customized product that can maximize its aggressive ongoing customer relationship goals.”