ABD Insurance and Financial Services Joins With AtWork Resources To Help Employers Control the Costs of Absence and Disability.

REDWOOD CITY, Calif. -- ABD's Industry-Leading Best Practices Combine with Latest Information Technologies to Improve Employee Productivity and Performance by Streamlining Return-to-Work Process

ABD Insurance and Financial Services, a leading provider of global risk management and employee benefits solutions, announces a working partnership with AtWork Resources(TM), Inc., a provider of web-based software and consulting services for management of absence and disability in the workplace.

Incorporating AtWork Resources' leading edge technology and industry expertise, ABD has created the "CyberSure(R) AtWork Resources Center" to help its clients focus on a return-to-work process designed to maximize employee productivity and performance while controlling the high costs associated with disability and absence.

"Absenteeism is costing employers as much as $5,500 annually per employee," stated Dave Hock, ABD Senior Vice President. "For larger companies, the full cost of absence has averaged over $12,000 per employee -- $6,000 of this due to lost productivity. By improving absence management, the corporate bottom line can be increased significantly -- 11% in employee productivity gains alone. We see this as a huge opportunity for our clients, which we can help them capture."

The availability of free and deeply discounted AtWork Resources (AWR) products and services to ABD clients will also help Human Resource, Risk and Case Managers secure the return to work incentives (permanent disability rate reductions) going into effect as part of SB 899 (recent California Workers' Compensation Reform Legislation). The disability management model being made available through the CyberSure AtWork Resources Center is an integrated one, equally applicable to both occupational and non-occupational absence.

More information and a complimentary copy of ABD's Integrated Disability Management and Return to Work White Paper is available by contacting Dave Hock at [e-mail], or 650-839-6244.

AtWork Resources, Inc. (www.AtWorkResources.com) provides web-based software and consulting services that support employer efforts in the management of absence and disability in the workplace, focusing on the return to work (RTW) process. Founded in January 2000, AWR's mission is to improve both employee productivity and performance outcomes through the integration of industry best practices and information technologies. The AWR solutions fully develop the communication and decision-making potential of managers and support professionals to reduce the human and economic costs of work absence and disability.

ABD Insurance & Financial Services, www.cybersure.com

Trust. Expertise. Advocacy. Value. ABD provides insurance brokerage, employee benefits consulting and risk management solutions to their clients across the United States and around the world. An industry leader and innovator, ABD is widely recognized for its collaborative, client focused culture and leading edge customer support -- accessible 24 /7 via ABD's award winning Web site, CyberSure(R). Now the 17th largest broker of U.S. business and the nation's number one broker of D&O Liability insurance, ABD has more than 650 employees, 10 major offices in strategic regional business centers across the western United States and annual revenues of approximately $119 million. ABD is a subsidiary of Greater Bay Bancorp (Nasdaq:GBBK), a financial services holding company.