Norwest Corporation and Subsidiaries - Page 34

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          as the efforts of NTS  may have been, such efforts involved nothing         
          more than the skilled practice of those in the information                  
          technology industry.                                                        
               G.  Trust Payment                                                      
               Dr. McDermott identified two complex issues in developing the          
          Trust Payment system which related to performance and reliability.          
          These involved "optimizing" the programs to make them run faster            
          and more efficiently and attempting to avoid "locking" of the               
          system when too many users were accessing data.  He found that the          
          changes to this system were "more difficult than usual" because             
          small changes could disrupt the logical structure of a larger               
          system.                                                                     
               Dr. Davis stated that the task of developing the Trust Payment         
          system, and the technology used, were familiar and well established         
          in the industry.  He found nothing uncommon about interfacing a new         
          system to other older systems.  Dr. Davis conceded that uncertainty         
          over NTS' ability  to  develop  a  system  to  meet  Norwest's              
          requirements may have existed, but he denied that any new                   
          principles of computer science were discovered through the routine          
          use of standard tools that had been around for many years.                  
          Finally, he found that the problems and solutions encountered by            
          Norwest in the development of this system were routine.                     
               Mr. Teixeira, as in the case of the Trust TU system, made              
          reference to the fact that Norwest was a mid-tier trust service             
          provider, and that other trust service providers processed as many          



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