SELECTED INDUSTRY AND CLIENT EXPERIENCES   Members of the OSS team have had key roles in creating and/or implementing major products used for business-critical systems for many valued organizations including:   Banks  - USA Bank of America, Citibank, CommerceBank, Fifth Third, First National-Ohio, JP Morgan/Chase,  Mellon, National City Corp, SouthTrust, US Bank, Wachovia, Washington Mutual, Wells Fargo, Zions   Banks  -  International  (systems in over 60 countries) CIBC, Royal Bank of Canada, TD Canada Trust, Bank of Scotland, Abbey National, Bancomer, Bank of China, Newcastle Savings, ING Bank, BNP, Standard Bank -South Africa   Insurance State Farm, USAA, Allstate, AIG, John Hancock, Prudential, NewYork Life, Allmerica   Card Processors and Associations Axcess, American Express, Citicorp, Diners, Discover, First Data, Global Payment Systems, JCB, MBNA. and Mastercard    Retail, Supermarkets & Pharmacy AAFES, Carrefour, CVS, Dayton-Hudson, Dominicks, Giant Foods, GoodGuys, Kroger, Longs,  Mens Wearhouse, OSCO,  Price Chopper, RiteAid, Stop&Shop, Tower Records, Wegmans, Zales   Travel, Leisure & Hospitality Avis/Wizard, CrackerBarrel, Harrahs, Marriott, MGM Grand, Disneyland, DisneyWorld, EuroDisney, Turning Stone   Petroleum & Convenience Amoco, ARCO, BP, Canadian Tire, Chevron, Mobil, Paribas, Phillips, Shell, Sun, TOSCO   Utility & Telecomm AT&T, BellSouth, Comcast, Duke, GTE, PG&E, Qwest, SBC, Sprint, Verizon