VERUS FINANCIAL MANAGEMENT

Verus Financial Management, Inc. provides payment processing services to small and mid-sized businesses in the United States. It focuses on credit card and debit card acceptance, and check conversion services. The company also offers gift and loyalty card products, payment gateways for Web-based payments, and cash advance services to merchants. Verus markets and sells its services through agents, ISO’s, and community banks. The company was founded in 2002 and is based in Nashville, Tennessee. As of February 6, 2006, Verus Financial Management, Inc. operates as a subsidiary of Sage Group plc.