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SQL Financials International, Inc.
3950 Johns Creek Court, Suite 100, Suwanee, GA 30024 * (770) 291-3900

The company develops, markets and supports client/server financial software applications that reduce the total cost of ownership by minimizing the time, costs and risks associated with implementing, changing and upgrading applications.

Primary Underwriting Group
ManagerTierPhone
Nationsbanc Montgomery Securities, Inc.Lead Manager (415) 627-2100
UBS Securities Inc.Co-manager (212) 821-4510

Offering Information
NASNTL:SQLF High-Tech: SIC 7372
Type of Shares:Common Shares Filing Date:2/23/98
U.S. Shares:2,500,000 Offer Date:5/26/98
Non-U.S. Shares:0 Filing Range:$11.00 - $13.00
Primary Shares:2,500,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.70
Offering Amount: $30,000,000 Selling:$0.40
Expenses:$1,400,000 Reallowance:$0.10
Post-IPO Shares:9,047,914
Employees:223

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Womble Carlyle Sandridge & Rice
Bank's Law Firm: Morris, Manning & Martin
Registrar/Transfer Agent: First Union National Bank North Carolina
Auditor: Arthur Andersen

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/97 12/31/97
Revenue:$25.99Assets:$15.02
Net Income:-$4.11Curr Assets:$12.10
EPS:-$2.97Liabilities:$17.82
Prior EPS:-$5.74Curr Liab:$12.55
Cash Flow/Oper:-$0.01Equity:-$2.80
Cash Flow/Fin:$5.18Cash:$7.21
Cash Flow/Inv:-$1.23Working Cap:-$0.45

Competition
The market for financial and human resource applications is intensely competitive. The Company's applications are designed for use in a client/server environment utilizing Windows NT and Unix servers. Principal competitors that offer products that run on Windows NT or Unix servers in a client/server environment include PeopleSoft, Inc. ("PeopleSoft"), Oracle Corporation ("Oracle"), and Lawson Software, Inc. ("Lawson"). In 1997, J.D. Edwards & Company introduced financial applications for use on Windows NT or Unix servers in competition with the Company. The Company also faces indirect competition from companies that sell financial software applications for use mainly on proprietary mid-range computing systems, from suppliers of custom-developed financial applications software systems, from the consulting groups of major accounting firms and from the IT departments of potential customers that choose to develop systems internally.The majority of the Company's principal current and potential competitors have significantly greater financial, technical and marketing resources and name recognition than the Company. In addition, because of relatively low barriers to entry and relatively high availability of capital in today's markets, the Company believes that new competitors will emerge in the Company's markets. The Company anticipates that it may face pricing pressures and that one or more companies in its markets may face financial failure. If the Company does not offer products that continue to achieve success in its market in the short term, the Company could suffer a loss in market share and brand name acceptance. Moreover, any material reduction in the price of the Company's products would negatively affect the Company's margins as a percentage of net revenues and would require the Company to increase sales or reduce costs to maintain or increase net income. The occurrence of any of the foregoing would result in a material adverse effect on the Company's business, results of operations and financial condition. There can be no assurance that the Company will be able to compete effectively with current and future competitors.

Business Plan
The Company's objective is to become the leading provider of financial applications to non-industrial organizations. The key elements of the Company's strategy are as follows: (I) Extend Technology Leadership, (ii) Leverage Expertise in Financial Applications, (iii) Capitalize on Middle Market Opportunities, (iv) Leverage Installed Customer Base, (v) Expand Sales and Marketing Channels and (vi) Continue to Provide High Quality Customer Service.

Use of Proceeds
The proceeds from the proposed offering will be used for general corporate purposes which may include future acquisitions.

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