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PRATHAMA BANK HEAD OFFICE :: MORADABAD REQUEST FOR PROPOSAL FOR APPOINTMENT OF NEW SERVICE PROVIDER FOR BC SERVICES UNDER FINANCIAL INCLUSION (RFP Ref. No.PBHO/FID/RFP/ 273/2017 dated 01.06.2017) PRATHAMA BANK Head Office F I Department Prathama Bhavan, Ramganga Vihar, Phase-II Moradabad (UP) 244001 Telephone: 0591- 2455178, Fax: 0591-2455179 E-Mail: [email protected], [email protected]

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PRATHAMA BANK

HEAD OFFICE :: MORADABAD

REQUEST FOR PROPOSAL FOR

APPOINTMENT OF NEW SERVICE PROVIDER FOR BC SERVICES UNDER FINANCIAL INCLUSION

(RFP Ref. No.PBHO/FID/RFP/ 273/2017 dated 01.06.2017)

PRATHAMA BANK Head Office F I Department

Prathama Bhavan, Ramganga Vihar, Phase-II Moradabad (UP) 244001

Telephone: 0591- 2455178, Fax: 0591-2455179 E-Mail: [email protected], [email protected]

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 2 of 127

CONTENTS 1. PREAMBLE 2. DEFINITIONS 3. REQUEST FOR PROPOSAL 4. SCOPE OF SERVICE 5. ELIGIBILITY CRITERIA 6. CONSORTIUM ARRANGEMENTS 7. TARGET GROUP 8. COMPLIANCE REQUIREMENTS 9. RESPONSIBILITIES OF THE BIDDER 10. TECHNICAL DELIVERABLES 11. FUNCTIONAL ANDTECHNICAL REQUIREMENTS 12. ARCHITECHTURE IN BRIEF 13. BID PROCESS – GENERAL TERMS 14. SUBMISSION OF BIDS 15. DEADLINE FOR SUBMISSION OF BIDS 16. VALIDITY OF BIDS 17. BID SECURITY 18. TECHNICAL AND COMMERCIAL BID 19. OPENING OF BIDS AND SELECTION OF SERVICE PROVIDER 20. CONTACTING THE BANK 21. BANK’S RIGHT TO ACCEPT ANY BID, REJECT ANY OR ALL BIDS 22. LIABILITIES OF THE BANK 23. PRODUCT PROCESS MANAGEMENT 24. PROPOSAL FORMAT 25. OWNERSHIP 26. CONTRACT/ SERVICE LEVEL AGREEMENT 27. PENALTY FOR DELAY 28. REVIEW OF SERVICES AND TERMINATION OF CONTRACT 29. EFFECT OF TERMINATION 30. PAYMENT TERMS 31. FORCE MAJEURE 32. INDEMNITY 33. CONFIDENTIALITY AND NON DISCLOSURE 34. JURISDICTION 35. COMPLIANCE WITH STATUTORY AND REGULATORY PROVISIONS 36. TAXES AND DUTIES

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 3 of 127

37. ANNEXURES : ANNEXURE-I SCOPE OF SERVICES OFFERED THROUGH BUSINESS CORRESPONDENT OUTLET BY SERVICE PROVIDER ANNEXURE-II FUNCTIONAL REQUIREMENTS ANNEXURE–III COMMISSION PAYABLE ANNEXURE-IV COMMERCIAL BID ANNEXURE-V ELIGIBILE ENTITIES AND GENERAL GUIDELINES ANNEXURE-VI TECHNICAL BID FORMAT

ANNEXURE-VI-(I)SPECIFICATIONS & FEATURES OF HHT (MICRO ATM) ANNEXURE-VII STATEMENT OF COMPLIANCE / DEVIATION

ANNEXURE-VIII TECHNICAL EVALUATION ANNEXURE-IX STANDARD OPERATING PROCEDURES FOR BC/BCA/BANK MITRA ANNEXURE-X DETAILS OF BUSINESS CORRESPONDENT OUTLETS ANNEXURE-XI OFFER COVERING LETTER ANNEXURE-XII UNDERTAKING LETTER ANNEXURE-XIII FORMAT OF BANK GUARANTEE / BID SECURITY ANNEXURE-XIV SERVICE LEVEL AGREEMENT ANNEXURE-XV RULES FOR REVERSE AUCTION ANNEXURE-K-1 COMPLIANCE STATEMENT FOR REVERSE AUCTION ANNEXURE-K-2 PRICE BID CONFIRMATION

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 4 of 127

1. PREAMBLE

With a view to ensuring greater financial inclusion and to provide

comprehensive financial services to the underprivileged, particularly in

unbanked and under-banked areas, Prathama Bank, having its Head Office

at Moradabad (UP), 244001 in India, hereinafter called “Bank”, proposes to

engage the services of Business Correspondents as permitted by Reserve

Bank of India. The Business Correspondents will render services on behalf

of the bank, on contract basis, through their outlets through use of

Information and Communication Technology. The Financial Inclusion (FI)

programs have a larger objective of offering a variety of financial services

ranging from Basic Savings Bank Deposit Account (BSBDA) with limited

Overdraft, other loan accounts, Fixed Deposit, Recurring Deposit, Kisan

Credit Card(KCC), General Credit Card (GCC),Remittances, Micro Pension,

Micro Insurance, and Mutual Funds, e-KYC, Aadhaar Seeding, Mobile

seeding etc. Electronic Benefit Transfer Scheme sponsored by Central

/State Governments, Direct Benefit Transfer and Government to Person

(G2P) Schemes will also form part of the current requirements. The project

includes supply, commissioning, installation, up gradation, customization,

integration, operations, services, maintenance and management of the

entire implementation, including cash management, during the contract

period of Five years and which may be extended, subject to mutual

agreement, by a further period of five years. This project is an end to end

solution for implementation of Financial Inclusion in Bank.

The approximate number of Sub-Service Areas and urban Clusters to be

covered through this RFP will be around 548 in 4 districts (Moradabad,

Rampur, Amroha & Sambhal) of Uttar Pradesh which may be increased /

decreased at the sole discretion of the Bank.

The eligibility criteria, the evaluation process and other terms and

conditions are set out in this RFP. Bank will enter into contract with the

selected Service Provider on such terms and conditions as contained in this

RFP. The Service Provider will act on behalf of the Bank in respect of the

specified services and will not be eligible to claim any benefit except for the

fee or commission as may be agreed. The Service Provider shall not use the

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 5 of 127

trade mark, logo or any proprietary right of the Bank without their written

consent.

2. DEFINITIONS

Words used in this Request for Proposal shall have the meanings assigned

to them hereunder unless used in a context totally contrary:

2.1. “Area of Operation” means geographic area allocated to each Bank

Mitra /Business Correspondent Agent (BCA). Sub-Service Area (SSA)

will be the unit for operation covering a village or group of

contiguous villages. Each BCA will cover all the villages in the Sub-

Service Area allotted to that BCA. In respect of urban clusters, details

of wards or such other geographical boundary as decided by the Lead

Bank/Bank forms the area of Operation.

2.2. “Bank” means Prathama Bank

2.3. “Bid” means the offer made by the Bidder in response to this RFP.

2.4. “Bidder” means any person/entity who bids for offering services as a

Business Correspondent for the Bank pursuant to the terms of this

RFP.

2.5. “BC” means Corporate Business Correspondent is an entity who is

eligible to act as a business correspondent for the bank under the

terms hereof for providing services described in Annexure-I,

Annexure-II.

2.6. “Bank Mitra /BCA” means Business Correspondent Agent appointed

by BC operating in the Customer Service Point (CSP)/Business

Correspondent Outlet (BCO) or in an allotted SSA. The general

guidelines to be followed by the BC for engaging a Bank Mitra /BCA

are mentioned in Annexure V.

2.7. “Technical Service Provider” (TSP) means any entity with whom the

Bank enters into agreement for providing services of Business

Correspondent with the Technology solution as described in the

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 6 of 127

‘Scope of Work’ in this document. The terms BC and TSP are used

interchangeably.

2.8. “Services” means the services to be provided by the Service Provider

pursuant to the terms of the Service Level Agreement (SLA).

2.9. “Customer Service Point (CSP) or Business Correspondent Outlet

(BCO)” are the terms used interchangeably and mean the outlet of

the Service Provider which will be providing Banking and financial

services.

2.10. “Bank Mitra” and BCA used in this RFP carry the same meaning and

are terms used interchangeably.

2.11. “Service Level Agreement” means the agreement to be executed

between the Bank and the Service Provider containing the terms and

conditions on which the Services will be provided (a model

agreement is annexed to this RFP).

2.12. “Financial Services” means enrolment for opening of BSBD Accounts,

loan accounts, FD, RD, KCC, GCC etc., and various

transactions/operations through them, remittances, extending

services like Micro Pensions, Micro Insurance, Mutual Funds, etc.

2.13. “FI / FI Implementation” means extending financial services through

branchless banking through Business Correspondent module,

including extending services under ‘Electronic Benefit Transfer (EBT)’

and / or ‘Direct Benefit Transfer (DBT)’, etc using relevant

technology.

2.14. “Eligibility Criteria” means the criteria required to be satisfied by the

Bidder in order to be engaged as a Service Provider and as per

guidelines of RBI and more particularly described to in this RFP.

2.15. “Hand Held Devices or Front end Devices or Field devices mean

Micro-ATMs or Hand Held Machines, Mobile Handsets / Mobile

Devices / Tablets /Laptop coupled with accessories like Finger print /

IRIS scanner, PIN pad and receipt printer or any other peripherals

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 7 of 127

that are required for carrying out transactions both in Online/Offline

manner.

2.16. “FI Server or Intermediary Server” means TSP server with essential

hardware and fully parameterized software module to control, drive

Field devices, act as router, facilitate conducting various FI Services

after seeking authentication from Remote server / Bank’s FI

Gateway etc.

2.17. “Lead Bank” means the Public Sector Bank which convenes

DCC/SLBC meetings in the District / State respectively.

2.18. “NPCI” means National Payment Corporation of India.

2.19. “RBI’ means Reserve Bank of India

2.20. “Host” means Bank’s Core Banking Solution (CBS) System provided

by ‘C-Edge Technologies’ titled ‘B@ncsLink’

2.21. “RFP” means this Request for Proposal bearing Bid Reference No.

(Ref.No.PBHO/FID/ 273/2017 dated 01.06.2017)

2.22. “UIDAI” means Unique Identification Authority of India

2.23. Words “Service Provider” and “Bidder” used in this RFP carry the

same meaning.

3. REQUEST FOR PROPOSAL (RFP) 3.1 This Request for Proposal is being issued by Prathama Bank

inviting proposal from eligible bidders, offering appropriate

technology or to be engaged as Service Provider by the Bank for a

period of 5 years for providing services of Business Correspondents in

the Sub-Service Area and Urban clusters in the operational area of

bank i.e. providing end to end solution for FI implementation by

Bank. The period may be further extended by another three years on

the terms and conditions with mutual agreement between the Bank

and the successful bidder. The Bank requests response to this RFP

only from those bidders who are eligible as per the eligibility norms

detailed in this RFP.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 8 of 127

3.2 The time schedule for various activities is listed below:

Particulars Details

Last date to seek clarifications on the RFP June 19, 2017

Last date & time for receipt of response

to this RFP together with

a) Bank Guarantee of Rs.10,00,000/-

(Rupees Ten Lacs Only) favoring

Prathama Bank, as per the format in

the RFP, as Bid Security (returnable

only to non-successful Bidders)

b) Rs. 10,000/- (Rupees Ten Thousand only as Cost of the Bid (non-refundable) drawn in favor of Prathama Bank and payable at Moradabad.

June 22, 2017 (04.00 pm)

To be submitted at Prathama Bank, F I Department,

Prathama Bhavan, Ramganga Vihar, Phase-II Moradabad (UP) 244001

Telephone: 0591- 2455178,

Fax: 0591-2455179

Date and time of opening the technical

bids

June 22, 2017 (05.00

pm) To be submitted at

Prathama Bank,F I Department

Prathama Bhavan, Ramganga Vihar, Phase-II Moradabad (UP) 244001

Telephone: 0591- 2455178, Fax: 0591-2455179

E-bidding to be facilitated by M/s e-Procurement

Technologies

Ltd,(ETL), Ahmedabad

Address for online submission of bids https://eauction.auct

iontiger.net/EPROC/

Contact Details of M/s e-Procurement

Technologies Ltd,(ETL), Ahmedabad

Samjad Khan-

07940230817

[email protected]

Date and time of online reverse Auction Will be intimated to

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 9 of 127

Particulars Details

for commercial finalization only technically

qualified bidders

Date and time of reverse auction Will be advised to technically

qualified bidders later. Bidders

may arrange to obtain Digital

Signatures to participate in the

reverse auction

Address for communication General Manager,

To be submitted at Prathama Bank, F I Department

Prathama Bhawan, Ramganga Vihar, Phase-II Moradabad (UP) 244001

Telephone: 0591- 2455178, Fax: 0591-2455179

mail: [email protected], [email protected]

Important Note All the prospective Bidders and the stake holders are requested to visit Bank’s website at www.prathamabank.org under ‘Announcement/ Tenders’ for updates / amendments, if any, with regard to this RFP, on daily basis.

Bank reserves the right to change the dates, timings and venue mentioned above or elsewhere mentioned in the RFP and the same will be communicated by placing the same as corrigendum on the Bank’s web-site. Submission of Proposal: The response to this RFP will be submitted by way of two stage bidding process. The technical proposal with the relevant information/documents/acceptance of all terms and conditions as described in this RFP document will be submitted online through M/s e-Procurement Technologies Ltd,(ETL), Ahmedabad, the outsourcing agency

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 10 of 127

approved by Prathama Bank for e-bidding on the website (https://eauction.auctiontiger.net/EPROC/). 3.3 DISCLAIMER 3.3.1 The information contained in this RFP document or any information

provided subsequently to Bidder(s) whether verbally or in documentary form by or on behalf of the Bank, is provided to the Bidder(s) on the terms and conditions set out in this RFP document and all other terms and conditions subject to which such information is provided.

3.3.2 This RFP is not an offer by the Bank, but an invitation to offer. The

purpose of this RFP is to provide the Bidder(s) with information to assist in the formulation of their proposals. This RFP does not claim to contain all the information each bidder may require. Each Bidder should conduct its own investigations and analysis and should check the accuracy, reliability and completeness of the information in this RFP and where necessary obtain independent advice. Bank makes no representation or warranty and shall incur no liability under any law, statute, rules or regulations as to the accuracy, reliability or completeness of this RFP. Bank may in its absolute discretion, but without being under any obligation to do so, update, amend or supplement the information in this RFP.

3.3.3 No contractual obligation, whatsoever, shall arise from the RFP

process unless and until a formal contract is signed and executed by the duly authorized signatories of the Bank and the Bidder.

3.4 AMENDMENT OF BIDDING DOCUMENT 3.4.1 At any time prior to the deadline for submission of Bids, Bank, for any

reason, whether, at its own initiative or in response to a clarification requested by a prospective Bidder, may modify the Bidding Document, by amendment.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 11 of 127

3.4.2 Notification of amendments, including modification if any in the date of submission of bids, will be put up on the Bank’s Website and will be binding on all Bidders. No individual communication / paper publication will be made for the same.

3.4.3 In order to allow prospective Bidders reasonable time in which to

take the amendment into account in preparing their Bids, the Bank, at its discretion, may extend the deadline for a reasonable period as decided by the Bank for submission of Bids.

4. SCOPE OF SERVICE

4.1. The Service Provider would be required to provide the services, facilities, infrastructure, technology, etc., listed in Annexure-I covering the habitations in Bank’s allotted Sub-Service Areas and Urban clusters on PAN India basis. Also, additional PAN India locations, if any will be informed by the Bank in due course.

4.2. The Service Provider will provide an end-to-end solution to the Bank supporting online / off-line transactions through Micro ATMs/Mobile Device/ Tablet / Laptop and inter-alia includes that :

4.2.1 The solution shall be highly secure, amenable to audit and follow widely accepted open standards to allow inter-operability among different systems adopted by different Banks.

4.2.2 The solution shall be compatible and synergize with the FI Gateway/

Core Banking Solution of the Bank. 4.2.3 The solution shall support financial products such as Savings

deposits, fixed deposits, Loan products, Recurring deposits, Micro credits, Micro insurance, Micro mutual fund, Pension, Remittances and other payment instruments and such other products as may be decided by the Bank in due course. The solution shall support authenticating the customer through Biometrics (finger prints/IRIS) or PIN.

4.2.4 The solution provided by the TSP/ Service Provider shall have a Key

Management System for secure transfer of data/messages across the eco-system with proper encryption.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 12 of 127

4.2.5 The service provider shall supply, Maintain and Operate Hand Held Devices/ Micro-ATM/ Mobile Devices/ Mobile Sets/Laptops / Tablets etc, supporting Account based transactions, RuPay card transactions, AEPS transactions, support equipment and application software that has capability to support Online /Offline transactions & operations at the service delivery points.

4.2.6 All hardware, software, consumables, except HHTs etc., at the service

delivery points would be owned by the Service Provider and used exclusively for Prathama Bank’s purpose whereas HHTs would be owned by Prathama Bank and used exclusively for Prathama Bank’s purpose.

4.2.7 FI Setup of Service Provider (SP), consisting of both Hardware and

Software, deployed at Bank’s Production site at Mumbai is to be replicated simultaneously at Bank’s DR Site at Bangalore as a part of Disaster Management and Business Continuity Plan.

4.3. The field devices like the Hand Held Devices/ Micro-ATM or Mobile

Devices/ Mobile Sets/Laptops / Tablets etc., will be driven by the FI Server of the SP, which in turn is connected to the Bank’s FI Gateway. SP to locate their FI server at Bank’s Data Centre at Mumbai (Primary/Production Site) and also at Bank’s DR Site (Secondary Site) at their cost. FI Server of the SP to seek biometric / PIN authentication from Bank’s FI Gateway.

4.4. The Service Provider shall provide the services through the Bank Mitra//BCA outlets engaged by him. The Bank will prescribe the number of Bank Mitra/ BCA to be engaged in the area of operation. The Bank will have the option of increasing/decreasing the number of BC outlets to the extent of 35% of the quantities mentioned in this RFP. List of additional locations where BCO are to be established will be advised to the selected bidder by the bank separately from time to time, as per the need of the Bank / RBI/IBA/ Govt. guidelines. The bank would further have an option of discontinuing or continuing the BC outlets in areas where Prathama Bank or any other bank opens bank branch during the period of the contract at the sole discretion of the Bank without assigning any reason to service provider. It is essential that BC has the required resources to provide the services detailed in the RFP. New services may be added from time to time as per the instructions of the Bank, without any additional cost to Bank.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 13 of 127

4.5. Bank reserves the right to add up additional locations where BCAs are to be set up either in Rural / Semi-Urban / Urban locations.

4.6. The Service Provider assumes complete responsibility and provides an end-to-end solution for extending FI implementation, consisting of appointment of BCAs and providing Front end devices/ equipment to Bank Mitraa, imparting training, establishing CSPs, customer enrolment including capture of customer photo and biometrics, opening of accounts, FI Server application, conduct customer transactions, seeking authentication from Bank’s FI Gateway, cash management for extending FI Services, reconciliation with Bank’s Host, MIS, Dash Board and Control reports etc.

4.7. The number of BC outlets to be offered to identified L1 Bidder is at the sole discretion of the Bank. Bank does not guarantee any minimum number of BC outlets and Bank’s decision in this regard is final and binding on the Bidders.

4.8. Bank intends to engage One or Two service providers and allocate BC locations to them. The modalities of such allotment are spelt out elsewhere in this document.

5. ELIGIBILITY CRITERIA

The RFP aims at engaging the Service Provider to offer services in the Area

of Operation to be informed by the Bank. Bids satisfying the eligibility

criteria mentioned below will only be considered for evaluation.

Sl.No. Criteria Supporting Documents required as Proof to be

submitted.

Bidder to mention

Page no. of document submitted

1. Bidder should be a registered

company in India under

Companies Act and should

have been in operation for at

least Three years as on the

date of RFP.

Copy of the Certificate of

Incorporation and

Certificate of

Commencement of

Business.

2. Bidder should have a) A minimum Turnover of

Audited Financial Statements for the

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 14 of 127

Sl.No. Criteria Supporting Documents required as Proof to be

submitted.

Bidder to mention

Page no. of document submitted

Rs.3 crore in any two of the three previous financial years(2014-15, 2015-16, 2016-17) and;

b) Positive Net worth during

any two of the three previous financial years (2014-15, 2015-16, 2016-17)

In case of a wholly owned subsidiary, the turnover of parent/holding Company will be taken into consideration.

previous three years of the Bidder and that of Parent/Holding Company for previous three years, wherever applicable. Provisional Financial Statement for 2016-17 is acceptable, if not audited so far. In case of Contributions from Foreign & Indian agencies; or Grants and Donations; or Commission on Insurance activities or IT Enabled / infrastructure services etc., if any received by the Bidder, substantiate as to how such receipts qualify for the RFP towards financial strength.

3. a) The bidder should have

been a Service Provider for

providing end-to-end FI

solution (such as EBT, DBT,

RuPay and Aadhaar based

Payment, etc.) using

appropriate approved

Technology for a Private

Sector Bank, Regional Rural

Bank or a Public Sector

Bank for a minimum period

Letter from the

concerned Private /

Regional Rural Bank /

Public sector Bank

confirming successful

implementation of FI

project, conforming to

criteria, with the

following details:

Name of the Bank

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 15 of 127

Sl.No. Criteria Supporting Documents required as Proof to be

submitted.

Bidder to mention

Page no. of document submitted

of 60months.

b) The bidder should have

the previous experience

of implementing the

solution in at least 500

locations in any Bank

under FI project and

Bank has the discretion

to relax this condition.

Number of Locations

Type of Technology

Scope of Project

Name of the contact

person with

designation, contact

number, fax, address,

e-mail id etc.,

Note : Bank reserves it’s

right to inspect such

installations as a part of

the evaluation process

4. Bidder should have strong organizational strength to undertake and execute large FI projects.

Documentary proof of projects executed

5. Bidder should be capable of providing all the FI services as per Annexure-I and as per the direction of Government of India.

Bidder to furnish brief write up to prove that he has capability to provide full services as per Annexure-I.

6. Neither the bidder nor its promoters and Directors should be defaulters to any financial institution. The bidder should not have been reported against by any Public Sector Bank to Indian Banks’ Association for any malpractice, fraud, poor service, etc.

Undertaking letter as per Annexure-XII.

7. Bidder is willing to take up additional locations for FI

Undertaking letter as per Annexure - XII

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 16 of 127

Sl.No. Criteria Supporting Documents required as Proof to be

submitted.

Bidder to mention

Page no. of document submitted

implementation to the extent of 35%, over and above the quantities mentioned in the RFP, in 4 districts of our Service Area in Uttar Pradesh, at the same Commercials and Terms and conditions being finalized in this RFP

8. Bidders should have digital signature to participate in online sealed bid and reverse auction

Details of certificate

9. The bidder should not have been black listed by any Govt. Financial Institutions/Banks/ Government departments/ Semi-Government departments/ PSUs in India and the said debility must not be in force if blacklisted.

A self declaration by the Bidder

10. The Bidder’s company should not be owned or controlled by any Director or Employee (or Relatives) of Prathama Bank

A self-declaration by the Bidder on Company’s letter head.

Note. 1. Bank may, at its discretion relax one or more of the above conditions for the existing Service Providers for the same functionality. 2. Service Providers who were engaged by the Bank during the last 5 years but whose services were discontinued prematurely for whatever reason are not eligible to participate in this tender.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 17 of 127

6. CONSORTIUM ARRANGEMENTS 6.1. Consortium arrangements are not permitted under this RFP and

Bidder / Service Provider is solely responsible for extending an end-to-end solution for implementation of the FI project.

6.2. The service provider will be the ‘Single Point Contact’ for the Bank

for technology and operations of Business Correspondent. Sub letting of BC operations and technology is NOT permitted under this RFP and the successful bidder has to undertake all operations.

7. TARGET GROUP

7.1. Bank is planning to extend ICT-BC based outlets in about 548 locations covering Sub-Service Area villages and urban clusters in 4 districts of our Service Areas in Uttar Pradesh. The Bank may, at it’s discretion, implement similar solution at additional locations at a future date.

7.2. It is proposed to extend banking/ financial services to all the households of the aforesaid Areas

7.3. The geographic locations that fall within the scope of this project can span over rural, semi-urban, urban, metropolitan, Island areas.

8. COMPLIANCE REQUIREMENTS

8.1. The entire activity under this solution would be guided by and conform to policies and guidelines of the Bank, GOI, RBI, UIDAI, IDRBT, IBA, NPCI, State Govt/s, etc.

8.2. Bank is having HCL make HHT model Smart Bee confirming UIDAI standard 1.5.1 including PIN pads, purchased under grant assistance of NABARD in the year 2015-16, which are presently being used by Bank Mitras for performing various transactions like AEPS Off-Us, AEPS ON-Us, RuPay carded & Bio metric Smart carded. HHTs shall be available at our H.O. (Moradabad) for inspection. Specification of HHTs is available in annexure VI- (I).

8.3. Biometric standards would comply with RBI’s “Report of the Working Group on Standards for Raw Images of Finger Prints” and also conform to ISO standards 19794-2 and 19794-4.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 18 of 127

8.4. Information Security standards for end-to-end solution would conform to ISO 27001, CERT-In guidelines, IT Act 2000, RBI, GOI, IBA, IDRBT and Bank’s policies.

8.5. The business practices, processes adopted for rendering services, maintenance of records, accounting norms & procedures etc., for Banking and Financial services shall conform to regulatory, legal and bank’s policies and guidelines.

8.6. Customers enrolled under the project shall meet “Know Your Customer” norms as stipulated by RBI.

8.7. Accounts, transactions, services, controls, etc., related to banking and financial services should integrate with Bank’s FI Gateway.

8.8. The solution should conform to and integrate with relevant solution proposed by Inter-Ministerial Group recommendations for financial inclusion.

8.9. The solution should conform to and integrate with UIDAI/NPCI’s /IBA /Regulator directions on Financial Inclusion / Direct Benefit Transfer.

8.10. Bidder should ensure that in addition to security features deployed, controls and operational procedures should ensure protection of the bank from loss, disclosure or frauds.

8.11. Bidder shall indemnify the Bank from transaction risk (from system error, human error, negligence and mismanagement) and fraud risk (loss to earnings or capital due to intentional deception by employees, customers, agents, external entities, etc.).

8.12. Bidder shall indemnify the Bank and provide a system, free from risks arising out of data becoming outdated, lost or overwritten due to inappropriate update procedures and the potential for frauds.

8.13. Bidder shall indemnify the Bank and hold the bank harmless against loss or liability, claims actions or proceedings if any, that may arise through the action of its employees, agents, contractors, etc.

8.14. Bidder shall assist the Bank in identifying potential risks in the solution, remedy any of the identified risks, develop strategies to measure, monitor and mitigate those risks and implement new controls.

8.15. Bidder shall maintain adequate documentation, records, audit trails, etc., and cooperate with RBI/Bank’s internal audit teams,

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

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regulatory authorities and third-party external auditors for conducting periodical audit and arrange for necessary access to relevant information / assets under the control of the bidder.

8.16. Financial Exposures & Performance risks from third-party service providers under the project would be regulated and mitigated through Financial Guarantees, Collateral Securities, etc., based on risk perception of the Bank.

8.17. Micro-ATM (Hand Held Devices) available with Bank is supporting Account based, Aadhaar/RuPay based transactions.

9. RESPONSIBILITIES OF THE BIDDER 9.1. Bidder shall be responsible for end-to-end solution covering

the entire scope of this RFP and shall assume the role of Systems Integrator with a Single point of contact for the Bank.

9.2. The roles and responsibilities of the Bidder will also include those stated in greater detail in other parts of RFP.

9.3. Bidder shall provide an end-to-end solution using appropriate technology which includes services like integration of various technological and functional components, supporting organizational structures and skilled human resources to educate, facilitate and deliver financial services to the targeted customers, apart from technological solution and technical services.

9.4. Bidder shall be responsible for compliance with mandatory compliance requirements indicated in the section “Compliance Requirements” and at various specific requirements indicated in other parts of the RFP;

9.5. Bidder shall be Indemnifying the bank of risks indicated in the section “Indemnity” and specific requirements indicated in other parts of the RFP;

9.6. Bidder shall act as the single point of contact for the Bank. 9.7. Bidder shall be responsible to resolve all issues that may arise

from the end-to-end solution 9.8. Bidder shall also man and manage all the incidental activities

related to the scope of the RFP. 9.9. Bidder to provide details of Bank Mitras / BCAs along with the

photograph to host on Bank’s website. 9.10. Bank will enter into a detailed agreement with the Bidder

clearly defining the roles and responsibilities and the terms of

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engagement for the infrastructural support and services extended to the bank as per the format provided as per Annexure – XIV of this RFP with modifications acceptable to the Bank.

9.11. Render banking and financial services as entrusted by the Bank under BC model at designated locations to all the customers of Bank, duly complying with Bank, RBI, IDRBT, IBA, NABARD, GOI, NPCI, UIDAI, State Govt. guidelines.

9.12. Bidder shall provide well trained personnel and extend necessary mentoring and operational support to the intermediary network of agents, etc.

9.13. The selection of Bank Mitra/BCA be done by the SP with the consent of the concerned Branch Manager in whose service area the /BCO is located.

9.14. Bidder shall manage the activities of its personnel or others engaged in the project etc., and will be accountable for all the personnel deployed/engaged in the project.

9.15. In case the performance of , agents or personnel engaged by the bidder in the project is not satisfactory or is detrimental to the interests of the Bank, the Bidder shall have to replace the said person within the time limits stipulated by the Bank.

9.16. No right to employment in the Bank shall accrue or arise, by virtue of engagement of employees, agents etc of the bidder for any assignment under this project.

9.17. Bidder will exercise due diligence and only engage persons having established identity, integrity, requisite qualifications and skills for all critical activities.

9.18. Bidder will involve designated officials of the Bank in selection process of BC agents.

9.19. Cash Management is the sole Responsibility of Service Provider as discussed in annexure I.

9.20. Bidder to extend all of the outsourced banking and financial services by deploying such personnel that have high integrity and meet the qualifications and other criteria stipulated by the Reserve Bank of India, Government or the Bank from time to time.

10. TECHNICAL DELIVERABLES

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10.1 The Bidder shall provide software, personnel, technical services, connectivity, maintenance, provide training and operational support for the end-to-end infrastructure to support enrollment system using existing HHTs & PIN pads available with Bank however if the bidder does not find them to be suitable for any reason, he may have to provide his own devices at no extra cost to the bank.

10.2 Front end equipment deployed at the customer service point shall support RuPay card based (PIN & Aadhaar) authentication, Aadhaar based (finger print/ IRIS) authentication, Proprietary biometric (finger print ) based authentication, redundant power sources for continuous operation, voice guidance in the local language, ability to support multiple products and services, receipt printing, etc.

10.3 The solution should support a model where the authentication would be based on the biometrics stored in remote authentication server. It shall be ensured that no customer information is stored in the front end / field devices or in FI servers of TSP.

10.4 The proposed solution may be rolled out to cover various other products & services to other customers as well, in any part of the country, as may be identified by the Bank.

10.5 The solution should have adequate provision to support marketing of Bank’s other products such as deposits, loans, fee -based products such as insurance premium, remittances, etc.

10.6 Bidder shall ensure that this solution is based on a reliable and scalable architecture so as to handle higher volumes and at larger number of locations all over India

10.7 Bidder shall undertake Key Management using Bidder’s personnel.

10.8 Bidder shall Maintain and Operate handheld devices (available with Bank), support equipment including provision of supply of spare parts and application software that can support online/offline transactions, other operations at the BCO.

10.9 All the hardware, software, consumables, location Boards, Dos & Do not’s Board, Uniform of Bank Mitra & other mandatory boards as specified by Bank at BCA premises would be at the cost of the Bidder.

10.10 Bidder shall provide services of an Intermediate System or FI Server (supporting functions like, BC Management, Banking

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Terminal/handheld device Management, Switching, MIS Solution, etc) that is owned, maintained and managed by the Bidder, that is capable of handling transactions/Customer enrolment data in online modes from a large number devices deployed in this project. Bidder shall provide Dash Board for monitoring of Bank Mitra attendance and performance in terms of transactions.

10.11 Bidder shall provide interface and establish connectivity between front end system and Intermediate System and also Bank’s FI Gateway.

10.12 The architecture should meet industry standards, reliability, scalability, interoperability and conform to best practices that minimize costs and risks to the Bank.

10.13 Bidder shall supply infrastructure at their own cost and operate the solution on behalf of the Bank. Bank may at a future date seek transfer of ownership of the solution to the bank if it so desires.

10.14 Bidder shall operate the front-end systems and the intermediary switching solution etc.

10.15 Bidder shall provide software, technical training, user training, technical documentation, training materials, etc for supporting existing HHTs & PIN Pads.

10.16 Bidder shall provide hardware, software, facility management, and secure environment for supporting the end-to-end solution and functionality stipulated in the RFP.

10.17 Technical specifications of various components involved in the IT solution are dealt with in greater detail in subsequent sections.

10.18 Bidder shall ensure that the service is rendered in a manner that is comprehendible i.e. simple and easy to understand to the customer and conduct of the Bank Mitra would encourage and promote customers to use Bank’s services.

10.19 Bidder will have to deploy the solution at the designated locations within the time period specified for the purpose.

10.20 Bidder shall ensure that faulty front-end equipment should be got repaired or replaced within 48hours of reporting.

10.21 The detailed technical requirement/specifications/services to be provided is mentioned under Annexure-I and Annexure-II.

10.22 Bidder shall submit details of the database backup maintained on their FI/Intermediary server, along with database schema,

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password credentials etc., to access the database at regular intervals as stipulated by the Bank. Service Provider shall take daily backup of application & database and inform details to Bank.

11 FUNCTIONAL AND TECHNICAL REQUIREMENTS 11.1 The solution shall support online transactions invariably and

also support offline transactions, if required at a later date by Bank.

11.2 Transactions are authenticated using finger print templates/IRIS stored at Bank’s Central Biometric Authentication Server / UIDAI.

11.3 The solution provided by the Bidder together with the human resources shall be able to support basic banking services like Deposit, Withdrawal, Balance enquiry, Mini Statement, Remittance, fund transfer, loan credits, cash deposit using RuPay card etc., extending KCCs, GCCs, account management, financial literacy, electronic benefit transfer, direct benefit transfer, Micro Insurance, Micro pensions etc. The bidder shall customize the solution for any requirement of the Bank at a later date at their cost, as per the timelines stipulated by Bank.

11.4 Detailed functional requirements are enumerated in Annexure-II.

12 ARCHITECTURE IN BRIEF

12.1 The architecture includes [Hand Held Devices like Hand Held

Machines/ Mobile hand Sets/Laptop/Tablet etc., supporting RuPay cards (Chip and Magstrip based) and Aadhaar / Account based transactions as well, FI/Intermediary Server of the Bidder to be installed at Bank’s DC/DR sites , FI GATEWAY and Core Banking System (CBS) of b@ncsLink installed again at Bank’s DC/DR sites.

12.2 Field devices, conforming to open standards released by IBA/NPCI/IDRBT (presently Micro-ATM standards version 1.5.1), are driven by the FI/intermediary Server of the Bidder with connections like GPRS, GSM, CDMA, V-SAT etc., and the FI/Intermediary Server is connected to Bank’s FI Gateway which in turn is connected to CBS of the Bank.

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12.3 FI Gateway has also a sub-module viz., Central Biometric Authentication Server (CBAS) wherein all biometrics of the enrolled customers, conforming to ISO19794-2/19794-4 standards, are maintained and the same are used for authenticating customer initiated transactions through the field devices.

12.4 The architecture envisages online transactions. In Online mode, all Transactions are authenticated online, suitable accounting entries passed at Bank’s CBS Host, respond back in ISO messaging format with requisite response code to field devices. Thus customer transaction is completed with accepting / withdrawal of the cash, as the case may be. In case of un-successful transactions during the above process, ISO message includes requisite response code indicating the reason for un-successful return of the transaction. The FI/Intermediary sever of the Bidder connects to Banks FI gateway for seeking the authentication, in online mode, from Central Biometric Authentication Server of the Bank or from the remote server like through NPCI/UIDAI/Bank ATM Switch etc.

13 BID PROCESS – GENERAL TERMS 13.1 The bidder must use the entire information furnished in the RFP

including scope, detailed requirements of architecture of application, hardware, functional and technical specifications, other Annexure etc., while submitting the response.

13.2 All responses should be in English language. All responses by the Bidders to this RFP document shall be binding on such Bidders for a period of One year from the date of opening Technical Bid.

13.3 All responses including commercial and technical bids would be deemed to be irrevocable offers / proposals from the Bidders and may, if accepted by Bank, form part of the final contract between Bank and Bidder.

13.4 Any bid submitted cannot be withdrawn / modified after the closing date and time for submission of the bid offers unless specifically permitted by Bank.

13.5 In the event the Bidder has not quoted for any mandatory or optional items as required by Bank and forming a part of the RFP document and responded to by the Bidders, the same shall

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be deemed to be provided by the Bidder at no extra cost to Bank.

13.6 All out of pocket expenses, traveling, boarding and lodging expenses for the entire life of the contract should be a part of the commercial bid submitted by the Bidder and no extra cost shall be payable by Bank. The Bidder cannot take the plea of omitting any charges or costs and later lodge a claim on Bank for the same.

13.7 The Bidder at no point of time can excuse themselves from any claims by Bank whatsoever for their deviations in conforming to the terms and conditions, payment schedules, timeframe for implementation etc. as mentioned in RFP documents.

13.8 By submitting a proposal, the Bidder agrees to promptly contract with Bank for any work awarded to the Bidder.

13.9 This RFP or clarifications or writings issued pursuant thereto shall not be construed as an obligation on the part of Bank to award a purchase contract for any services or combination of services.

13.10 Bank reserves the right to reject any or all bids in full without assigning any reason whatsoever.

13.11 The bidder has to adhere to the time schedule of activities mentioned in the RFP and no request to change the last date or extend period / time for submission shall be entertained by Bank. However, bank reserves its right to extend the date/time for submission of the responses without assigning any reason by notifying in the Website.

13.12 To assist in the scrutiny, evaluation and comparison of offers, Bank may, at its discretion, ask any of Bidders for clarifications to their offer.

14 SUBMISSION OF BIDS 14.1 A duly authorized signatory of the Bidder under seal should

authenticate all pages in the Bid. The signatory wherever necessary should submit a copy of the Power of Attorney / Board Resolution / letter from Director(s) or other relevant document authorizing him/her to sign the above bid documents on behalf of the Bidder. Responses submitted by a Bidder to this RFP represent a firm offer to contract on the terms and conditions described in the Bidder’s response. The proposal in

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original (hard copy) will be accepted. No photocopy/ email of the proposal will be accepted.

14.2 The technical bid should be submitted in hard copy (along with

a soft copy) as per Annexure-VI (along with other Annexures mentioned therein) in sealed envelope, super scribed as “Technical Bid” along with Bid Security, DD towards cost of the Bid and offer covering letter as per Annexure-XI to this RFP within the time stipulated in the RFP.

10.1 The physical bid shall not contain any commercial quotes. Bank

will be inviting technically qualified bidders to submit their on-line sealed indicative commercial bids. Final commercial quotes will be obtained through the process of on-line ‘Reverse Auction’. The date and time to obtain such sealed Bids and ‘Reverse Auction’ will be informed to all the qualified Bidders in due course.

14.3 Bidder’s confirmation of Bank’s requirements should be

categorical. Violation of these requirements will disqualify the bidder. Failure to provide information called for or vague response shall constitute violation of the Bid terms and such bids shall be summarily rejected.

15 DEADLINE FOR SUBMISSION OF BIDS 15.1 Bids should be received by the Bank at the address specified,

not later than the date and time specified. Any Bid received after the deadline for submission of Bids prescribed, will be rejected and returned unopened to the Bidder.

15.2 The Bank may, at its discretion, extend this deadline for

submission of Bids by amending the Bid Documents, in which case, all rights and obligations of the Bank and Bidders previously subject to the deadline will thereafter be subject to the deadline as extended.

15.3 The offer made under the Bid may not be evaluated by the Bank

in case of non-adherence to the format or partial submission of details as per the format. The Bank shall not allow/permit

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changes in the Bid once the Bid is submitted. All relevant details that the Bidder wishes to include in its bid should be submitted along with the offer. Failure to submit such information along with the offer shall result in disqualification.

15.4 The Bidder shall bear all costs associated with the preparation

and submission of its Bid and Bank will in no case be responsible or liable for these costs, regardless of the conduct or outcome of the Bidding process.

15.5 The Bid shall be typed or written in indelible ink and shall be

signed by the Bidder or a person or persons duly authorized to bind the Bidder to the Contract. The person or persons signing the Bids shall initial all pages of the Bids, except for un-amended printed literature. Also, all pages of the Bid submitted should be serially numbered like Page 1 of xx or 1 / xx where xx is the total number of pages of the Bid.

15.6 Any inter-lineation, erasures or overwriting shall be valid only if

they are counter-signed by the person signing the Bids. The Bank reserves the right to reject bids not conforming to above.

16 VALIDITY OF BIDS 16.1 Bids shall remain valid for one year from the date of opening of

the Bid. A Bid valid for a shorter period may be rejected by the Bank as non-responsive.

16.2 In exceptional circumstances, Bank may seek Bidders’ consent

for extension of the period of validity. The request and response thereto shall be made in writing. Retention of Bid Security shall also be suitably extended. A Bidder may refuse the request without forfeiting its Earnest Money Deposit.

17 BID SECURTY 17.1 The Bidder will have to submit Bid Security in the Form of a

Bank Guarantee, as per Annexure-XIII, issued by a scheduled bank in India, for Rs.10,00,000/- (Rupees Ten Lakhs only) valid for period of one year from the date of RFP. The bidder shall

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also undertake to get this BG renewed for further periods if required.

17.2 The Bid security will be returned to the unsuccessful bidders on

completion of the bid process within a month. The bidder shall make his own arrangements to collect the bid security from the bank.

17.3 The Bid security of the successful bidder will be retained till the

successful bidder signs Service Level Agreement with bank and submits the security deposit/performance guarantee as per the requirements of bank. The security deposit/performance guarantee shall be for 10% of the Contract Value.

17.4 The Bid security may be forfeited: 17.4.1 If a Bidder withdraws or amends its Bid during the period of Bid

validity specified for any reasons, whatsoever; or

17.4.2 If a Bidder makes any statement or encloses any form which turns out to be false/incorrect at any time prior to signing of Contract; or

17.4.3 In the case of a successful Bidder, if the Bidder fails to submit:

(i) Accept the Purchase Order within the stipulated time.

(ii) Sign the Service Level Agreement(s) with the Bank within a period of 90 days for any reasons, whatsoever; or

(iii) Furnish Security/Performance Guarantee to the Bank within the limit specified by the Bank.

(iv) On-line indicative sealed bid or fails to login for the on-line reverse auction.

18 TECHNICAL AND COMMERCIAL BID

18.1 The technical Bid should provide complete details sought in the Annexure-VI of this RFP.

18.2 The Bidder has to invariably submit the Compliance, and details of deviation, if any, relating to both Commercial and Technical requirements. It is deemed that Bidder has complied with the entire commercial and technical requirements of the RFP, except those

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mentioned in the ‘Statement of Completion / Deviation’ which is part of the Technical Bid Form.

18.3 If the deviations mentioned by the Bidder, in the opinion of the Bank, are minor in nature, Bank may allow such deviation and proceed with the evaluation of the Bid. On the contrary, if the deviations are not acceptable to the Bank, the Bid response submitted by the Bidder will be treated as Non-responsive, rejected and will not be considered for further evaluation. The decision of the Bank in the matter will be final.

18.4 The bidder would be paid fixed charges specified in Annexure-III for the services mentioned therein. The bidder would be required to offer the commercial bid for cash handling services. The rate quoted by the Bidder should be inclusive of all applicable taxes, duties and levies, except Service Tax which will be reimbursed by the bank on actual basis, for the services proposed to be offered.

19 OPENING OF BIDS AND SELECTION OF SERVICE PROVIDER

19.1 The technical bids of Bidders who have furnished the Bid Security of Rs.10,00,000/- and Cost of Bid of Rs.10,000/- will be opened in the presence of authorized representatives of the Bidders at Prathama Bank, F I Department, Head Office Ram Ganga Vihar phase -2 Moradabad (UP) 244001 on the date and time specified under paragraph 3.2 of the time schedule ,even if the representative of any bidder does not turn up at the specified time. In case, the venue, date and time of opening is modified for any unavoidable circumstances, the details of the same will be informed to the Bidders.

19.2 The Bank will undertake evaluation of technical bids starting with examination of the Bids to determine whether documents are complete, are in the required formats, documents properly signed and the Bids are generally in order.

19.3 The Bank, at its discretion, may waive any minor infirmity, non-conformity, or irregularity in a Bid, which does not constitute a material deviation.

19.4 The Bank will examine whether the Bid and the Bidder is eligible in terms of the Eligibility Criteria specified in the RFP and the decision of the Bank shall be final and binding on all parties.

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19.5 During evaluation of the Bids, Bank, at its discretion, may ask a bidder for clarification of its bid. The request for clarification and the response shall be in writing, and no change in the substance of the bid shall be sought, offered or permitted.

19.6 Evaluation of technical bids will be taken up with regard to meeting requirements towards eligibility criteria followed by evaluation of the technical parameters mentioned in the bid. Bidders who attain a minimum of 75% marks, as per Annexure-VIII, only will be qualified for further processing. The bidders who qualify in the technical bid will be shortlisted and then Reverse Auction process of bidding will be followed. Only the technically qualified bidders will be asked to participate in the reverse Auction. The business rules, term and conditions of the Reverse Auction process will be provided to the selected bidders in due course.

19.7 L-1 bidder will be determined on the basis of the lowest price quoted in the Reverse Auction. Following criteria will be adopted for identification of L1 Bidder and for allotment of Sub-Service Areas to Bidders.

19.8 Reverse auction will be conducted provided that there are at least two technically qualified bidders, If there is only one technically qualified bidder then Bank may either seek a physical bid or decide not to proceed with further evaluation process and may terminate the RFP process.

19.9 The rates quoted by the bidder/Service Provider will be valid for FIVE

years.

19.10 The bank may invite the bidders as part of the evaluation process, for a presentation of bid response before the Bank. The date and time for such presentation shall be informed to the bidders in due course.

19.11 The allotment of SSAs / BC locations to the bidders will be as per the procedure described hereunder:

19.11.1 Based on the final quotes in the Reverse Auction Process, bidders will be ranked as “L1”, “L2”, “L3” and “L4” etc.

19.11.2 L1 will be offered the first lot of not less than 60% of SSAs/ locations and this will be done in phases based on the performance of the successful bidder.

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19.11.3 Bank has the discretion to offer rest of the locations allotted to L1 to L2, etc based on the administrative and operational aspects, subject to their agreeing to match the price quoted by L1. Such allocation need not be dependent on the order of price ranking.

19.11.4 However, L2 shall have NO right to demand for such allocation of SSAs under this RFP.

19.11.5 If L2 refuses to accept or fails to execute the Bank’s offer of SSA allocation in full or part, then Bank at its discretion will allot such locations to other short listed bidders. If no such bidder accepts the location, then L1 has to necessarily accept such locations.

19.11.6 L1 shall not have right to refuse to extend FI services in any SSA/ location allotted by Bank under this RFP.

20 CONTACTING THE BANK

No Bidder shall contact the Bank on any matter relating to its Bid, from the time of opening of Bid to the time the Contract is awarded. Any effort by a Bidder to influence the Bank in its decisions on Bid evaluation, Bid comparison or contract award may result in the rejection of the Bidder’s Bid, including forfeiture of the Bid Security.

21 BANK’S RIGHT TO ACCEPT ANY BID, REJECT ANY OR ALL BIDS

21.1 The Bank reserves the right to accept or reject any Bid /offer received in part or in full, and to cancel the Bidding process and reject all Bids at any time prior to contract of award, without thereby incurring any liability to the affected or Bidder or Bidders or any obligation to inform the affected Bidder or Bidders of the grounds for the Bank’s action. Bank reserves the right to reject any Bid on security and/or other considerations without assigning any reason.

21.2 Bank reserves the right to cancel the entire Bidding/procurement process at any stage without assigning any reason whatsoever.

22 LIABILITIES OF THE BANK

22.1 This RFP is not an offer by the Bank, but an invitation for bidder’s response. No contractual obligation whatsoever shall arise on the Bank from the RFP process, unless and until a formal contract is signed and executed between the bank and the bidder.

23 PROPOSAL PROCESS MANAGEMENT

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23.1 The Bank reserves the rights to amend, modify, add, delete, accept or cancel, in part or full, any condition of the RFP without assigning any reason there for at any time during the process. Each bidder shall be entirely responsible for the costs and expenses incurred while participating in the bid.

24 PROPOSAL FORMAT

24.1 As the bidder’s proposal is central to the evaluation & selection process, it is important that the bidder carefully prepares the proposal as per the prescribed formats only. Under no circumstance, the format can be changed, altered or modified. There should be no hand-written material, correction or alteration in the offer. Bidders must provide categorical and factual replies to specific questions. Bidders may provide additional technical literature relating to their proposals but in a separate annexure. Correct and current technical details must be completely filled in. Annexures of this RFP form integral part of the RFP.

25 OWNERSHIP

25.1 The RFP and all supporting documents are the sole property of the Bank and violation of the terms of this RFP will be a breach of trust and breach of the initial contract conditions and Bank has a right to initiate any action deemed appropriate. The proposal and all supporting documentation submitted by bidders shall become the property of the Bank. Unopened bids will be returned to bidders.

26 CONTRACT / SERVICE LEVEL AGREEMENT

26.1 Upon completion of the selection process, Bank shall arrange to enter into an agreement with the Service Provider who shall agree to the terms and conditions stipulated by the Bank.

26.2 A Service Level Agreement format is placed as Annexure-XIV. The Bank will facilitate execution of contract with the Service Provider.

27 PENALTY FOR DELAY

27.1 Without prejudice to Bank’s right to terminate the agreement, for any defective service or inability to provide the service for any reason or for non-functioning of the BCO for any reason, beyond 10 (Ten)

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days continuously, a penalty @ Rs.500/- per day (from the 11th day onwards) will be levied for each of the BCO from the BC.

27.2 Bidder shall agree to maintain an uptime of at least 98.5% computed on monthly basis, for the servers provided by him. In case of failure to maintain the said uptime, a penalty @ Rs. 500/- will be levied for every 0.01% of deviation.

28 REVIEW OF SERVICES AND TERMINATION OF CONTRACT

28.1 The performance of the Service Provider will be reviewed, every month initially, and thereafter at such intervals as the bank may decide to identify the bottlenecks and to initiate remedial measures. The bank reserves the right to terminate the contract at any point of time if,

a. The Bidder/service provider commits a breach of the terms and

conditions of the RFP/Contract and fails to remedy such breach

for a period of 30 Business Days, following receipt of written

notice from Bank specifying the breach or breaches;

b. An Insolvency event occurs in relation to the Bidder or it ceases to

carry on its business or substantially the whole of its business;

c. Services are found to be unsatisfactory; d. There is a consistent failure to maintain the customer satisfaction; e. Desired levels of output by the Service Provider are not met; f. There is a discrepancy found in the accounts maintained by the

Service Provider and the records of the Bank; g. The customers serviced by the Service Provider complain to the

Bank that the services provided by the Service Provider is inefficient;

h. There is fraud in the accounts handled by the Service Provider; or i. Any other reason which in the opinion of the bank is not

conducive to the continuation of the Services of the Service Provider.

The Bank shall have the discretion to switch implementation at Sub-

Service Area level, to other technologies, business models etc., based

on its convenience, availability of infrastructure, connectivity-etc.

28.2 However, before terminating the contract, a written notice specifying the defects in services to the Service Provider will be served asking

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him to rectify the defects within a period of 30 days. In case the defects are not rectified, the contract with the Service Provider will be terminated.

28.3 Bank shall also evaluate the performance of the Service Provider and if it is found that the performance is not satisfactory on any point mentioned above, that Bank shall be at liberty to terminate the contract after giving a notice of 30 days.

28.4 It is expected that Bank Mitra /BCAs are engaged and are activated in the villages coming under the respective Sub-Service Areas within one month of award of contract. Shortfall of more than 10% in achieving the target will result in the services being treated as ‘unsatisfactory’. A penalty @ Rs. 500/- per day (from the 31st day onwards) will be levied for each of the BCO from the Service provider.

28.5 The Bank shall not be liable for the acts of commission of the Bank Mitra/BCA engaged by the Service Provider. The Service Provider is responsible for compliance of all applicable laws and regulations of the land in relation to the Bank Mitra /BCA engaged by them and the Bank Mitra/ BCA engaged by the SP shall not be eligible to claim any benefit or fee or charge from the Bank. The Service Provider is responsible for all performance of obligations under the agreement and the Bank shall have no obligation towards the Bank Mitra/BCA engaged by the Service Provider.

29 EFFECT OF TERMINATION

i. The bidder agrees that it shall not be relieved of its obligations

under the reverse transition mechanism notwithstanding the

termination of the assignment. Reverse Transition mechanism would

typically include service and tasks that are required to be performed

/ rendered by the bidder to the Bank or its designee to ensure

smooth handover and transitioning of Bank’s deliverables and

maintenance. The reverse transition will be for the period of 3

months post the notice period, which is extendable to another 3

months if circumstances so required.

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ii. Same terms (including payment terms) which were applicable

during the term of the contract should be applicable for reverse

transition services

iii. The bidder agrees that after completion of the Term or upon

earlier termination of the assignment the bidder shall, if required by

the Bank, continue to provide warranty services to the Bank at no

less favorable terms than those contained in this RFP. In case the

bank wants to continue with the bidder’s services after the

completion of this contract then the bidder shall offer the same or

better terms to the bank. Unless mutually agreed, the rates shall

remain firm.

iv. The Bank shall make such prorated payment for services

rendered by the bidder and accepted by the Bank at the sole

discretion of the Bank in the event of termination, provided that the

bidder is in compliance with its obligations till such date. However,

no payment for “costs incurred, or irrevocably committed to, up to

the effective date of such termination” will be admissible. There shall

be no termination compensation payable to the bidder.

v. Termination shall not absolve the liability of the Bank to make

payments of undisputed amounts to the bidder for services rendered

till the effective date of termination. Termination shall be without

prejudice to any other rights or remedies a party may be entitled to

hereunder or at law and shall not affect any accrued rights or

liabilities or either party nor the coming into force or continuation in

force of any provision hereof which is expressly intended to come

into force or continue in force on or after such termination.

30 PAYMENT TERMS

30.1 Payment will be made by the Bank on monthly basis in arrears on

aggregated basis within 20 days on submission of invoices by the

Service Provider.

30.2 Payment will be made for the enrollments completed in all respects

i.e. demographic data, photo and biometrics with CBS account

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number and with at least one financial transaction through Micro

ATM/ BC point. Payment for transactions will be done for all the

transactions excluding accommodative transactions like Bank Mitr

own transactions/other Bank Mitra transactions of our Bank/more

than two transactions in same account on a day etc. No payment will

be done for balance enquiry, Mini-statement or any other non-

financial transactions.

30.3 The Service Provider is eligible for charges as per Annexure-III & IV

and the amount to be shared with the BCA is indicated therein. The

amount / percentage of share may be varied based on the Regulatory

stipulations.

30.4 The Service Provider will be paid charges for customer enrollment as

mentioned Annexure-III after the activation of customer account. The

date of activation would be the date of first financial transaction.

30.5 The Bank Mitr shall not deny opening of account for eligible citizens

without bank account in our Bank.

30.6 The Service Provider would authorize the bank to credit the amount

payable to Bank Mitr /BCAs directly to his/her account through the

account of Service Provider.

30.7 The Service Provider is eligible for charges as mentioned under

Annexure-III for various activities and cash handling charges as per

Annexure-IV. The service Provider should pass on a minimum of 80%

of these charges to the BCA. This is in addition to the charges under

Clause 30.4 above. The percentage may vary based on the regulatory

stipulations.

30.8 The Service Provider shall be solely liable & responsible for

compliance of applicable Labor Laws in respect of its employees,

agents and representatives and in particular Laws relating to terminal

benefits such as minimum wages, Pension, Gratuity, Provident Fund,

Bonus or other benefits to which they may be entitled and the Bank

shall have no liability in this regard.

31 FORCE MAJEURE

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31.1 The Service Provider or the Bank shall not be liable for default or

non-performance of the obligations under the contract, if such

default or non-performance of the obligations under this contract is

caused by any reason or circumstances or occurrences beyond the

control of the Service Provider or the bank, i.e. Force Majeure. For

the purpose of this clause, “Force Majeure” shall mean an event

beyond the control of the parties, due to or as a result of or caused

by act of God, wars, insurrections, riots, earth quake and fire,

revolutions, floods, epidemics, quarantine restrictions, trade

embargos, declared general strikes in relevant industries, satellite

failure, act of Govt. of India, events not foreseeable but does not

include any fault or negligence or carelessness on the part of the

parties, resulting in such a situation. In the event of any such

intervening Force Majeure, either party shall notify the other in

writing of such circumstances or the cause thereof immediately

within five calendar days. Unless otherwise directed by the Bank, the

Service Provider shall continue to perform/render/discharge other

obligations as far as they can reasonably be attended/fulfilled and

shall seek all reasonable alternative means for performance affected

by the Event of Force Majeure.

31.2 In such a case, the time for performance shall be extended by a

period(s) not less than the duration of such delay. If the duration of

delay continues beyond a period of 180 days, the Bank and the

Service Provider shall hold consultations with each other in an

endeavor to find a solution to the problem. Notwithstanding above,

the decision of the Bank shall be final and binding on the Service

Provider.

32 INDEMNITY

32.1 The Bidder hereby indemnifies Bank and shall always keep

indemnified and hold Bank and its employees, personnel, officers,

directors, (hereinafter collectively referred to as “Personnel”)

harmless from and against any and all losses, liabilities, claims,

actions, costs and expenses (including attorneys' fees) relating to,

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resulting directly or indirectly from or in any way arising out of any

claim, suit or proceeding brought against Bank as a result of:

32.2 Bank’s authorized /bonafide use of the Deliverables and /or the

Services provided by Bidder under this RFP and / or ;

an act or omission of the Bidder, employees, agents, sub

contractors in the performance of the obligations of the Bidder

under this RFP;

breach of any of the term of this RFP or breach of any

representation or false representation or inaccurate statement

or assurance or covenant or warranty of the Bidder under this

RFP;

claims made by employees or subcontractors or subcontractors’

employees, who are deployed by the Bidder, against Bank

and/or breach of any of the term of this RFP or breach of any

representation or false representation or inaccurate statement

or assurance or covenant or warranty of the Bidder under this

RFP;

any or all Deliverables or Services infringing any patent,

trademarks, copyrights or such other Intellectual Property

Rights;

breach of confidentiality obligations of the Bidder contained in

this RFP;

Willful negligence or gross misconduct solely attributable to the

Bidder or its employees or sub-contractors.

32.3 The Bidder shall at its own cost and expense defend or settle any

claim against Bank that the Deliverables and Services delivered or

provided under this RFP infringe a patent, utility model, industrial

design, copyright, trade secret, mask work or trade mark in the

country where the Deliverables and Services are used, sold or

received.

33 CONFIDENTIALITY AND NON-DISCLOSURE

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33.1 The Bidder agrees to receive in confidence all Confidential

Information and agrees not to reveal the same to any other person

under any circumstances, except to the extent provided for in this

RFP. The Recipient shall also ensure that the Confidential Information

is not used for any of its business or other purposes or such purposes

of any other person

33.2 The bidder shall ensure that the Confidential Information is revealed

only to such persons within their organizations as would be

necessary to perform its obligations to Bank. The parties shall be

bound not to disclose under any circumstances any Confidential

Information to any other person.

33.3 The bidder shall execute a separate Non-disclosure agreement with

the Bank as per the requirement of the Bank.

34 JURISDICTION

34.1 All disputes would be subject to Indian laws and jurisdiction, and

settled at courts in Moradabad, Uttar Pradesh

35 COMPLIANCE WITH STATUTORY AND REGULATORY PROVISIONS

35.1 The Bidder/Service provider shall undertake to observe, adhere to,

abide by, comply with and notify the Bank about all laws in force or

as are or as made applicable in future, pertaining to or applicable to

them, their business, their employees or their obligations towards

them all purposes of their services mentioned in the RFP.

35.2 The Bidder/Service provider shall promptly and timely obtain all such

consents, permissions, approvals, licenses, etc., as may be necessary

or required for any of the purposes of the services mentioned in the

RFP or for the conduct of their own business under any applicable

Law, Government Regulation/Guidelines and shall keep the same

valid in force during the terms of the contract.

35.3 In the event of failure or omission to do as above, the bidder/service

provider shall indemnify, keep indemnified, hold harmless, defend,

protect and fully compensate the Bank and its

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employees/officers/staff/personnel/representatives/agents from and

against all claims or demands of liability and all consequences that

may occur or arise for any default or failure on its part to conform or

comply with above and all other statutory obligations arising there

from and the Bank will give notice of any such claim or demand of

liability with reasonable time to the Bidder/service provider.

35.4 This indemnification is only a remedy for the Bank. The

Bidder/service provider is not absolved from its responsibility of

complying with the statutory obligations as specified above.

36 TAXES AND DUTIES

36.1 The Service Provider shall be entirely responsible for all applicable

taxes, duties, levies, charges, license fees, road permits, etc., except

Service Tax which will be reimbursed by the Bank on actual basis as

per the rules in force. In the event of Service Tax getting replaced by

any other levy like GST, the same will be paid at the applicable rates

instead.

36.2 Providing clarifications/particulars/documents etc. to the

appropriate tax authorities for assessment of tax, compliance with

labour and other laws, etc., will be the responsibility of the Service

Provider at his cost.

36.3 Tax deduction at Source - Wherever the laws and regulations require

deduction of such taxes at the source of payment, Bank shall effect

such deductions from the payment due to the Service Provider. The

remittance of amounts so deducted and issuance of certificate for

such deductions shall be made by the Bank, as per the laws and

regulations in force. Nothing in the Contract shall relieve the Service

Provider from his responsibility to pay any tax that may be levied in

India on income and profits made by the Service Provider in respect

of this contract.

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GENERAL MANAGER

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ANNEXURE-I

SCOPE OF SERVICES OFFERED THROUGH BUSINESS CORRESPONDENT OUTLET BY SERVICE PROVIDER 1. The Service Provider would be required to provide the services,

facilities, infrastructure, technology, connectivity etc. 2. The Service Provider shall provide the services through Bank

Mitr/BCA engaged by the Service Provider. The Bank will prescribe the number of BCA to be engaged in the area of operation. The Bank will have the option of increasing/decreasing the number of BCAs up to 35%. List of additional locations where BCOs are to be established will be advised to the selected bidder(s) by the bank separately.

3. The bank would further have the option of relocating or discontinuing the BCA in areas where a bank opens a branch during the period of the contract or at the discretion of Bank for any other reasons.

4. In areas where relocation of BCO is suggested due to opening of bank branch, the Bank Mitr may be allowed to continue at the discretion of the bank.

5. It is essential that BCO has the required resources to provide the service mentioned in this RFP. New services may be added from time to time as per the instructions of the Bank.

6. This RFP covers the total number of locations mentioned in Annexure-X Bank reserves the right to add up additional locations up to35% where –BCOs are to be set up on the same commercials.

7. Bank may, as part of their urban Financial Inclusion plans, identify urban locations at its discretion

8. Bank Mitr /Business Correspondent Agent (BCA) activities: a. Enrollment of customers, including demographic data,

photo, and collection of biometric and other KYC documents of customers. Enrollment by e-KYC mode through Micro ATM for customers having Aadhaar number.

b. Login to Micro ATM by Aadhaar authentication c. Provide interoperable transaction facility like

Deposit of money in to bank accounts including loan accounts and deposit accounts.

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Withdrawal of money from an account with the bank including all EBT/DBT payments/G2P payments

Remittances from an account with a bank to an account with the same or any other bank

Balance Enquiry and issue Receipts/ Statement of Accounts.

Disbursal of credit facilities to borrowers involving small amounts strictly as per the instructions of the Bank.

Interoperable Aadhaar Enabled payments through Micro ATM, both on-us and off-us.

Interoperable RuPay card on-us and off-us d. Other activities:

Identification of borrowers as per bank’s requirements.

Collection, Preliminary scrutiny of data and submission of applications to the Bank for its review Creating awareness about savings and other products offered by the Bank, education or advice on managing money & debt counseling.

Promotion, nurturing, monitoring and handholding of Self Help Groups and/or Joint Liability Groups and/or Micro Credit Groups and others.

Facilitating the repayment of dues owed to the Bank by its customers/guarantors.

Sale of third party financial products like Insurance, Pension products, Mutual funds etc.

Aadhaar and mobile seeding of Bank accounts through Micro ATMs.

Mobile number updation in Aadhaar database of UIDAI through Micro ATMs.

Facilitating RuPay cards delivery to customers and encouraging RuPay card transactions by customers.

e. The above services are in respect of the following to be offered at the BCO as a part of BCA activity:

Savings Bank accounts Recurring Deposit Accounts Remittances Fixed Deposit Overdraft/Retail loan

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KCC/GCC Third party financial products like Micro insurance,

Pensions etc. EBT and DBT transactions

f. To source some the following products for the branch, as permitted by RBI guidelines from time to time as part of Business Facilitator functions.

Loans against TDR/NSC/ KVP etc. General purpose Credit card (GCC) Kisan Credit Card (KCC) Current Account Savings Bank account Term Deposits Recurring Deposits Mutual funds on a referral basis Insurance (Life and Non-Life), Pension and any other

third party financial product g. Subject to meeting the eligibility criteria mandated by

RBI, /BCA may be engaged as Recovery Agent h. Customer authentication through RUPAY PIN / Aadhaar /

Banks proprietary biometrics as decided by Bank from time to time.

9. Cash Management:

The Service provider will be solely responsible for the cash management at all BC points irrespective of volume and value of transactions.

The Service provider has to make his own arrangements for the Cash requirements and Bank will not fund towards cash requirements for the field operations. However, Bank may consider providing Overdraft limits to facilitate cash funding at mutually agreed terms.

The Service provider has to make arrangements for normal cash requirement as per the demand from each BCO location, apart from meeting the seasonal/monthly/weekly requirements relating to EBT and DBT on PAN India basis.

If the bank decides to fund the cash to BCA through SP at any time during the contract period, SP has to provide security by way Term deposit equal to 15% of the funds so provided by the Bank or by way of BG equal to 30% of the said funds or as

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decided by Bank from time to time and bank will pay cash handling charges to SP @0.1% or as decided by Bank from time to time.

ANNEXURE-II FUNCTIONAL REQUIREMENTS

1. ENROLLMENT OF CUSTOMERS 1.1. SP shall enroll customers to various products using the same

solution. Customers may enroll themselves for several products simultaneously or to different products at different points-in-time. The SP should undertake enrollment to each of the products (as may be required by the Bank) as per the customers’ choice and bank’s policy.

1.2. Every customer shall have at least a savings bank account. Other schemes and banking products would also be offered to customers of target-group based on the policy of the bank.

1.3. Bank will entrust the process of enrollment to the Bidder. Bidder may engage his representatives to carry out the operations duly complying with Bank’s norm and other associated norms of GOI/RBI/UIDAI/IDRBT/IBA/legal guidelines.

1.4. SP will equip bank’s authorized field functionaries, authorized agents extending financial/banking services on behalf of the bank, SP’s authorized representatives etc., with necessary devices/instruments at their cost to electronically capture all the relevant details of the customer, digital photograph, digital raw images of required number of fingerprints, digital images of the support documents, etc., and provide the data in the format prescribed by bank through a secure transmission channel to Bank or Branches.

1.5. Due care and security should be accorded to all the related physical documents.

1.6. The equipment provided for the above stated front-end activity should be robust, reliable and easy-to-use, and customized to Indian rural conditions. The Micro-ATMs+ accessories like scanner, PIN pad etc to be deployed shall conform to IBA/NPCI/IDRBT/UIDAI standards prescribed from time to time which is presently version 1.5.1. This shall be capable of performing enrolment for products approved by the bank as

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well as transactions. The up gradation of equipment with Bank Mitr as per the directions of Bank/IBA/DFS etc shall be at the cost of the SP.

1.7. SP shall also ensure that the agents are well trained and kept updated with bank’s new schemes, policies, etc as may be required to discharge their roles and serve the customers.

1.8. SP would also ensure that required supplies of stationery and other consumables are made available with agents for uninterrupted operations.

1.9. SP may be required to enroll the customer on production of documentary evidence/support that RBI or the Bank may prescribe duly complying with customer due-diligence (including Know-Your-Customer requirements).

1.10. The raw images of fingerprints will conform to ISO/IEC 19794 and standards prescribed by Reserve Bank of India vide their “Report of the Working Group on Standards for Raw Images of Fingerprints”. These raw images shall not be stored anywhere in the environment external to the Bank’s DC / DRS.

1.11. Having captured the enrollment data, the SP shall securely transmit the information required for account opening.

1.12. Bidder will conform to security best practices and any other guidelines stipulated by the Bank while capturing, storing, processing and transmitting, reporting enrollment data and related information.

1.13. The physical KYC documents, Photo and Account opening application forms of enrolled customers will be delivered at the designated location of the Bank Branch within five working Days.

2. CUSTOMER ENROLLMENT,ACCOUNT OPENING AND ACTIVATION 2.1 GENERAL

2.1.1 Every customer Account shall be opened in the banking system after all the mandatory information about the applicant/customer has been captured.

2.1.2 System should be capable of handling all registrations and deregistration (subsequent to initial enrolment,) for additional schemes/products and services at the BCO, backend or at

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branch level as decided by the bank for each of the schemes/products and services.

2.1.3 However the account/scheme/product/service will be activated only after fulfilling the stipulations given by the Bank.

2.1.4 The scheme/product or service may require authorization by Bank’s official before it becomes operational.

2.1.5 The front-end and intermediary systems together with the personnel handling the process should be capable of enforcing all the controls required by the Bank.

2.1.6 Suitable interface should be provided in the software solution that allows bank’s officials to view and authorize the opening of the account/registration for the scheme/product/service.

2.2 CUSTOMER OPERATIONS 2.2.1 Customers will carry out all types of banking transactions

through the BCA in the BCO. Customer Authentication is through Biometrics (Proprietary biometrics, Aadhaar biometrics-Finger print or IRIS) PIN (RuPay card PIN).

2.2.2 Mode of transactions is online. 2.2.3 The solution shall have parameterized control to set online at

each card-level /account-level/ transaction-type level/ transaction value-level or a combination thereof.

2.2.4 A customer may have multiple accounts/services 2.2.5 Bank would determine from time to time the schemes or

banking services that may be extended to customers. 2.2.6 The services availed by the customers may vary. 2.2.7 Although initially, savings bank accounts are being offered,

Bank may extend other services also to the customers. . 2.2.8 Bidder would obtain application/enrollment forms for other

permitted schemes like loans, insurance, pension etc as and when they are offered by the Bank/subscribed by the customers.

2.2.9 Biometrics of non-Aadhaar customers are only to be captured

and such biometrics will be stored at the Bank’s Central Authentication Server. The related procedure would be finalized by the Bank in consultation with the SP/Bidder.

2.2.10 Procedure for reimbursement to Bidder towards Enrollment, will be as follows:

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2.2.10.1 Reimbursement for these costs would be claimed from the Bank as per the contracted price on a monthly basis.

2.2.10.2 Bank will entertain claims for reimbursement from the Bidder only after Account opening and activation of account by Branch. Bank would pay at contracted Consolidated Unit Price foreach account activation and the first transaction through Micro ATM of Bank Mitr put through.

2.2.10.3 This Consolidated payment shall cover all the activities undertaken by the Bidder, their representatives/personnel under various stages commencing from obtaining the list of customers, identifying customers, enrollment, and transport of the physical and electronic records, updation of information of account opening in TSP data base.

2.2.10.4 Payments will be made on a monthly basis for all the accounts opened and activated in the previous month.

2.2.10.5 Reimbursements to the Bidder towards subsequent registrations shall be claimed from the bank on monthly basis.

2.2.10.6 Entire infrastructure required for these activities will be owned, maintained, managed and operated by the Bidder.

2.2.10.7 Biometric data need not be captured during enrollment process for customers who are sharing the Aadhaar number for account opening.

2.3 CUSTOMER ACCOUNT OPERATIONS 2.3.1 Customers who wish to receive or remit funds shall approach

the authorized representative of the SP i.e. the BCA. Customer will submit the Bank passbook /Aadhaar card / RuPay card or orally can tell account number or Aadhaar number.

2.3.2 The BCA will verify the identity of cardholder using the name & photograph on Aadhaar card/ Bank Pass book and name on RuPay Card.

2.3.3 BCA may verify additional details of the customer if stipulated by the Bank.

2.3.4 Customer is permitted to transact in online mode only through the Handheld device / Micro ATM

2.3.5 Customer is authenticated by verifying the fresh fingerprint/ IRIS sample (obtained through scanner at that time of every transaction) with the master templates/fingerprint/ IRIS data stored at remote location (Bank Central Authentication Server

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or UIDAI, etc). Customer can also be authenticated through PIN for RuPay card transactions.

2.3.6 Where ever the customer is having Aadhaar number, the live biometrics (Finger prints or IRIS) are to be captured through scanners and verified through the UIDAI.

2.3.7 The requested transaction is put through only if the conditions stipulated by the bank are met.

2.3.8 The successful cash transaction is concluded by payment of cash or receipt of cash by the Bank Mitr / BCA depending on whether the transaction is a Cash withdrawal or Cash deposit.

2.3.9 Each customer will be permitted only certain number of transactions and within a maximum limit prescribed by the Bank for each category for a given period.

2.3.10 These stipulations will be parameterized at front end system level and transactions shall be rejected beyond the set limit.

2.3.11 The above details will be furnished to the Successful Bidder by the Bank.

2.3.12 Receipts will be printed for each transaction including failed transaction with failed reason code and code description. One will be handed over to the customer and the other would be held with the Bank Mitr / BCA for records. The second receipt is optional.

2.3.13 Each transaction will have a unique reference number for the Bank and the same would be printed along with bank terminal ID and location name on every receipt.

2.3.14 All transactions are to be logged and the logs are to be preserved securely for future reference for time-periods stipulated by the Bank.

2.3.15 It should be possible to build audit trails of the transaction using the unique transaction number from the audit logs.

2.3.16 The account holder may request for statement of account and

the BCA at the village will provide a printout of last 10transactions including the outstanding balance in the desired account(s) initiating the customer transaction through Micro ATM.

2.3.17 The receipts and statements should be in English/vernacular language as may be stipulated by the Bank.

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2.3.18 The credentials and digital images of fingerprints, etc should be tallied with that of the original records stored in the system ensuring that there is no impersonation.

2.3.19 The system should permit recording of nominations, noting of death etc.

2.4 OPERATIONS AT BC OUTLET (BCO) 2.4.1 SP will be responsible for physical custody and upkeep of the

systems/devices provided for front-end operations. 2.4.2 SP would also be responsible for cash and accounting of

transactions; maintenance of record of enrollments/ accounts opened / rejected receipts of transactions, details of exceptional transactions, etc.

2.4.3 Authorized agents of the SP (Bank Mitr / BCA) who are permitted to operate the Front end systems shall be enabled with Aadhaar through which their identity is established and login is allowed to operate front end systems.

2.4.4 Cash replenishment and cash usage, transactions, etc should be recorded in the front-end terminal through which the transactions are being effected.

2.4.5 SP should be able to know the cash balances so as to balance the physical cash available at any point at BCO during the day. The Bidder should also be able to take a printout of the Opening Balance of Cash, Closing Balance of Cash and the list of all transactions in between.

2.4.6 The printout shall also contain commission payable to the Bidder.

2.4.7 The printouts shall be obtained in duplicate every day. 2.4.8 One copy will be retained by the Bidder for records. 2.4.9 The second copy shall be handed over to the Bank while

submitting the claim. 3 Key Management: 3.1.1 Key Management System – Key management system should be

deployed centrally for the Bank and it should permit security framework of interoperability between bank terminals although the terminals are supplied by different Bidders. The process of

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generation, derivation, maintenance and revocation of keys needs to be provided.

3.1.2 The front end equipment cards should be capable of supporting EMV standard/specifications. The bidder shall comply with any Key Management standards that are to be implemented by Bank, without any additional cost to the Bank.

3.2 Customer DATA 3.2.1.1 Photographs, Documents of proof of identity / residential

address, entitlement to receive remittances under various schemes, application form, and raw finger print images( for non-Aadhaar customers ) etc that are scanned at the time of enrollment or thereafter have to be securely stored. The physical copies of documents etc that have been collected from the customers should be securely stored. All this data in physical and electronic form are property of the bank and should not be used by the Bidder without bank’s express authorization.

3.3 Facilitation of issue of Passbook and RuPay Card to the

customer:

Bank Mitr /BCA appointed by TSP shall facilitate issuance of Passbook /RuPay card to the customer by maintaining close coordination with Branch/Bank.

3.4 Login and operation of Micro ATM by BCA 3.4.1 Agents/Bidder’s representatives extending the services to

bank’s customers are required to authenticate themselves to the front-end systems through Aadhaar biometrics

3.4.2 The access to front-end system would be restricted to only select authorized agents. The front-end system should validate the agent’s credentials before allowing any access to the contents of the front-end system. All such access would be based on Aadhaar authorization.

3.4.3 In case of prolonged absence or indisposition of the appointed Bidder’s representative, Bank will insist replacement/appointment of a substitute.

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4 REMITTANCE SERVICES 4.1 Bank would extend electronic cash/fund remittance facilities to

customers under this project. Bidder’s solution should have the capability to effect fund-transfer from one account to another account within the Bank and inter-bank. The solution should be able to send and receive funds electronically. These could be using inter-account transfer within the Bank or using AEPS across the banks.

4.2 Necessary interfaces have to be created with bank’s FI Gateway.

4.3 Customer should be able to remit funds a using the front-end system with the BCA.

4.4 System should support all types of interoperable transactions with/without Aadhaar seeking authentication from NPCI/UIDAI or from remote Central biometric authentication server of the Bank.

5 OTHER PRODUCTS AND SERVICES 5.1 Bank would share operational guidelines for other products and

services that would be extended through this channel. The same will be shared with the Successful bidder.

6 STANDARD OPERATING PROCEDURE (SOP) FOR BC 6.1 The Standard operating procedure for the Business

correspondents/BC agents are mentioned under Annexure-IX 6.2 BCOs which are identified as Ultra small Branches, In addition

to the BC activities mentioned in the RFP, Ultra Small branch shall function as per working hours of the base branch. The weekly / public holidays of Ultra Small branch shall be as applicable to the base branch. However the BCAs can perform transactions in the Hand Held Machines (HHM)/ Micro ATM on 24x7 basis.

7 MANAGEMENT INFORMATION SYSTEM

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7.1 Bidder shall put in place a robust MIS system / Dash board in order to monitor all the activities under BC model connected with the Bank Financial Inclusion Plan.

7.2 Bidder shall assist the bank in defining exceptional transactions and monitor all such exceptional transactions from a central location in the Bank.

7.3 It should also be possible to centrally monitor and obtain reports on cash movement, cash balances, cash payments, etc at each of the front-end functionaries. Bank should also be able to obtain various reports on customer wise, village/sub district/district/state/circle wise, Scheme-wise, period wise etc as and when required.

7.4 Bidder shall provide data of Geographical Information System (GIS) of Bank Mitr, location photograph, etc for publishing in Banks website/ GOI website.

8 REVIEW AND MONITORING MECHANISM 8.1 Bank will evaluate the Bidder on an ongoing basis and may take

a suitable decision for continuation/ termination / expansion of contracted services based on the performance.

8.2 The project shall conform to Bank’s policies and would be subject to Internal and External audits. The Bidder is required to extend all necessary co-operations to facilitate audit process.

8.3 Bidder shall have adequate audit controls and track normal and exceptional transactions.

8.4 Bank will utilize the services of internal or external auditors for ensuring proper operations by Bidders.

8.5 Bank may also arrange for a random verification of enrollment/ payments, etc for better control.

8.6 The bidder shall attend to the rectification of audit observations within timeframe stipulated by Bank from time to time.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

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ANNEXURE-III

Commission Payable

Fixed Charges to be paid to the Service Provider:

1. Details of remuneration proposed to be paid to Service Provider, for

the activities mentioned in Column-A, are furnished in Column-B and

Bank Mitr share in Column C

2. All Payments claimed by the Service Provider and accepted by the

Bank for payment, after verification, will be credited to the Service

Provider's account, with the Bank. The portion of remuneration to be

shared to BCA, has been listed in Column-C for which the Service

provider will authorize the Bank to transfer the payment to the credit

of BCA’s account, from out of the total payments made to the Service

Provider. Bidder has to confirm their acceptance for the same :

Activity Remuneration Of (B), % to be shared with BCA

[A] [B] [C]

Cash Handling charges 0.35% of credit & 0.25% of debit

amount handled by BC 80%

Fixed monthly charges (Subject to

perform minimum 50 financial txns.

During the month) per BCA

Rs.2500/- (Rupees two thousand

Five hundred only) 80%

Monthly charges related to TSP

services per BCA Rs.500/- Nil

Transaction charges (only for

financial transactions) per BCA

i-1 to 100 Txns- Rs.2.50 per txn

ii-101 to 200 txns Rs.2.75/txn

iii- 201 & above txns Rs.3.00/txn

80%

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Activity Remuneration Of (B), % to be shared with BCA

[A] [B] [C] Customer mobilization (for BC activities)

Customer enrollment &Savings Bank

Account opening

Rs.20.00 per account (Rs.10/- at

the time of account opening &

remaining Rs.10/- on first

deposit transaction)

80%

Customer Initiated Non cash transactions

Remittance/Fund transfer Rs.5/- per transaction 80%

Balance Enquiry or Mini Statement-No charges payable Nil

Note: Bank also offers incentives to Bank Mitra for Business facilitation activities like sourcing of Loan applications, SHG group formation, Loan recovery, canvassing Micro Insurance, Pension etc which will be decided from time to time by the bank. The incentive payable shall be shared in 80:20 ratio between BCA and Corporate BC or any other manner as decided by bank from time to time. List of services and Products offered by the Bank may be added/ deleted

from time to time as per Bank’s policy.

Cap on Business/Commission: Reserve Bank has expressly prohibited

sourcing of Bulk deposits, NRE/NRO FCNRB deposits, and deposits from

Public Sector Companies/Government Departments by this channel.

-o-0-o-

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ANNEXURE-IV

COMMERCIAL BID INDICATIVE FORMAT

1. The Service Provider would be entitled to receive the fixed charges

mentioned at Annexure- III for the various services listed therein. The

Service provider would be entitled to receive Variable charges towards

Technology and Supervisor services in the Financial transaction range of

51 and above at Customer Service Points.

2. All Payments claimed by the Service Provider and accepted by the Bank

for payment after verification will be credited to the Service Provider's

account, with the Bank. A portion of the charges for various activities as

mentioned in the RFP, under Annexure-III and Annexure-IV, will be

transferred to BCA's account from out of the total payments made to

the Service Provider, for which the Bidder is agreeable and offers his

express concurrence / Authorization.

3. The Service Provider is required to quote, during the reverse auction

process, his offer towards technology and supervisory cost per FI

transaction per location as per the proforma of the Commercial Bid.

The payment will be made to the Bidder and the respective BCA on

actual Rate quoted should be presented as per the format given below.

The rate quoted must be inclusive of all taxes, levies, etc., except Service

Tax, wherever applicable. Service Tax will be paid by the bank on actual

basis.

4. The prices contracted should not be affected by exchange rate

fluctuations, changes in import duty and other taxes etc.

….. Contd

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 57 of 127

Indicative Commercial quote format

Sl.

n

o

Nature

of

activity

Range BCA

charges

Service

provider

charges

Quantity for

evaluation

purpose

Total

(Rs)

A B C D

(A+B)

*C

1 Financial

transacti

ons

51 to 100

transactions

Rs.3000 Quote to

be given

per

location

548

(locations)*60

(months)

2 Financial

transacti

ons

>100

transactions

Rs. 2.50

per

transacti

on

Quote to

be given

per

transaction

100(transactio

ns) *

548(locations)

* 60(months)

GRAND TOTAL xxx

Note: Fixed charges are applicable as described elsewhere in the document

where number of transactions for any location is not more than 50 in a

month.

*Financial transactions means Cash withdrawal and cash deposit

transaction.

XXX: To be quoted during the reverse auction Note :

1. Technology services covering all connected activities narrated in the RFP for FI implementation. The services include supply of software, middleware and other infrastructure, backend FI server storage, switching costs, connectivity charges, centralized terminal management services, facility management, cash handling, transportation, insurance, facilitating enrollment for new schemes, transactions including EBT / DBT payments balance enquiry, mini statement etc, cost of consumables (printer paper, ribbons, cells) etc.

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2. Bidder to include all charges required for extending End-to-End solution for FI implementation. Bank only pays the Charges mentioned above on actual.

3. Quantities indicated above are only indicative and Bank does not guarantee/assure minimum quantities to the Bidder for the Technologies. Indicative quantities will however be used for deciding the L1 vendor, during the reverse auction process.

4. Payments will be made only on actual.

(Signature of the Bidder with Seal)

-o-0-o-

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ANNEXURE-V

ELIGIBLE ENTITIES AND GENERAL GUIDELINES

I. Entities eligible to be appointed as Bank Mitra / Business

Correspondents/BCAs:

The Service Provider would be required to appoint from among the

following as the Business Correspondent/BCA. This list would be revised

from time to time based on Reserve Bank of India directives.

1. NGOs/MFIs set up under Societies/ Trust Acts

2. Cooperative Societies registered under Mutually Aided Cooperative

Societies Acts or the Cooperative Acts of States/ Multi State

Cooperative Societies Act.

3. Section 25 companies.

4. Post Offices.

5. Retired Bank employees

6. Ex-Service men.

7. Retired Govt. Employees.

8. Individual owners of kirana/ medical/fair price shop owners.

9. Individual Public Call Office (PCO) operators.

10. Agents of small savings schemes of Government of India/ Insurance

Companies

11. Individual who own petrol pumps.

12. Retired teachers.

13. Authorized functionaries of well-run Self Help Groups (SHGs) linked

to banks.

14. Individual members of Farmer’s Clubs.

15. Individual members of Self Help Groups.

16. Individual operators of Rural Multipurpose kiosks/ Village

Knowledge Centers

17. Individuals/ proprietors/ owners who manage Agri Clinics/ Agri

Business Centers.

18. Retired Post Masters.

19. Individuals such as auto dealers, tractor dealers and FMCG

stockiest.

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20. Insurance agents including of private insurance companies (IRDA

certified) and postal agents.

21. Individuals operating Common Services Centers (CSCs) established

by Service Centre Agencies (SCAs) under the National e-Governance

Plan (NeGP).

22. Any other individual considered suitable by the bank.

23. Companies registered under the Indian Companies Act with large

and wide spread retail outlets, excluding Non-Banking Financial

Companies (NBFCs).

24. Identified Business Correspondents and BCAs should not have been

defaulters to any financial institution.

25. Identified Business Correspondents should not have been

blacklisted by any bank in the last two years for deficiency of

service.

II. While appointing Bank Mitra /Business Correspondent Agents

(BCAs), following general guidelines should be followed by BC:

1. As far as possible the existing BCAs/Bank Mitra who are already

working in the location are to be appointed.

2. The location/premises of Bank Mitra should be such that it is easily

accessible to all customers.

3. The selection of BCA must be done by the SP with the consent of

the concerned Branch Manager in whose service area the BCO is

located. Preference should be given to such persons who are

already doing some activity in the village or who are having

experience in BC operations. But, one Bank Mitra shall work for

only one SSA and he/she shall not be working with any other Bank.

4. Bank Mitra with minimum qualification (preferably 12th pass) and

obtain IIBF/Bank approved certification within three months and

ensures that he/she works from a fixed location (a room with

minimum space of 10x10 ft) for branding purpose and also extend

banking service to the customers by visiting all the villages in that

SSA

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5. The front end equipment / device to be given to BCA should be

interoperable through the gateway of Bank/ NPCI so that the

customer can access to any bank by using the device. The device

must have biometric facility (finger print & IRIS) plus card swiping

facility with on-line connectivity to perform transactions on-line

6. The BCA must be responsible to receive and pay money, to transfer

money from one to another. Each BCA must also be able to do

Business Facilitator (BF) activities as permitted by the RBI/ Bank.

BCAs may also be used for deposit mobilization and for recovery as

per the terms of the scheme finalized by the Bank.

7. The BCA will also to undertake enrollments for micro insurance,

animal insurance, crop insurance and micro pension. The bank will

ensure coordination with the agencies, viz., LIC and other agencies

dealing with these products.

8. An officer/Branch Manager of the concerned branch of the bank

may visit the BCO location normally once in a

week/fortnight/month initially, on a fixed time and day to instill

greater confidence among the customers and facilitate increased

banking transactions through BCAs.

9. The BCA must be responsible for routing all transactions of all

villages in the assigned villages so that effective marketing and

follow up can take place.

10. It is necessary to ensure that there is a continuous improvement in

the quality of services through the BCAs.

11. There should be regular training and capacity building programmes

of the BCAs and ensure BCA certification within 3months of

appointment.

–o-0-o-

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ANNEXURE-VI

TECHNICAL BID FORMAT

Sl. No.

PARTICULARS DETAILS

A. BIDDER’S PROFILE IN BRIEF :

1 Name of the Company

2 Address of Registered Office / Head Office

3 Phone Number with STD Code

4 Fax Number

5 E-mail id 6 Constitution

(Public / Pvt Ltd Co./ Partnership/ Proprietorship)

7 Date of Establishment: 8 Name of Chief Executive:

9 Name of Contact Person with regard to this RFP : Landline Phone No. : Mobile No. : Fax No. : e-mail id :

10 Line of Activity 11 Date from which the bidder is

experienced in similar type of activity

12 Products Developed / Serviced (Attach product literature)

13 Details of Quality Certifications Obtained for the Company & its Products, such as ISO-9001:2000 etc. (attach Xerox copies).

14 Total Number of Employees: 15 PAN Number

16 In case of a Company, furnish data on share holding pattern, names of

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Sl. No.

PARTICULARS DETAILS

main promoters and names of Directors.

17 a. Furnish following details for getting report from CIBIL on the Company, Promoters and Directors. B. Confirm having attached a separate Sheet tabulating the following : Name of the Company /

Promoters / Directors Detailed address with Pin Code Date of incorporation / Date of

Birth of an individual PAN Number allotted TIN Number of the Company

B. FINANCIAL STRENGTH :

1.

2014-15 (AUDITED)

2015-16 (AUDITED)

2016-17*

a. Total Turnover (in Crs.)

b. Net Profit / (Loss) (in Crs.)

c. Share Capital (in Crs.)

d. Tangible Net worth (in Crs.)

d. Total Liabilities (in Crs.)

e. Total Assets (in Crs.) * Provisional, If not Audited

2. Submit Audited Financial Statements for the previous three years (In case of a wholly owned subsidiary, audited financial statements of parent/holding

2014-15 2015-16 2016-17*

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Sl. No.

PARTICULARS DETAILS

company duly certified by a Chartered Accountant to be furnished.)

* Provisional, If not Audited

3. Submit Income Tax Returns / Assessments for the previous three years

2014-15 2015-16 2016-17*

4. If the bidder is a Company, please confirm that the Memorandum and Articles of Association do not prohibit the Business Correspondent activity (Attach copies of Memorandum and Articles of Association and mark the relevant provisions with a highlighter).

5. Submit the letter of undertaking as per Annexure-XII.

6. Submit compliance to Eligibility Criteria with the requisite proof, as per Clause-5.

C. TECHNICAL STRENGTH :

1. a. Confirm that line-item wise requirements mentioned in Annexure-I and Annexure-II are complied by you. b. In case of non-compliance or deviation/variance to the line item-wise requirements, ensure to mention the same as per Annexure-VII. It is thus confirmed that Bidder is complying with all the requirements excepting those mentioned in this Annexure-VII.

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Sl. No.

PARTICULARS DETAILS

2. Indicate the proposed technology solution provided from the following: i) Mobile device with FP biometric scanner, printer and Magnetic Stripe reader etc. Capability of device connecting to V-Sat through wired or wireless technology

ii) HHM/Micro ATM with FP Biometric scanner, printer, IRIS scanner, Magnetic Stripe/EMV chip reader, PIN Pad etc. Capability of device connecting to V-Sat through wired or wireless technology iii) Laptop with HHM with FP Biometric scanner, IRIS scanner, printer, Magnetic Stripe/ EMV chip reader, PIN Pad etc. Capability of device connecting to V-Sat through wired or wireless technology iv) Tablet with FP Biometric scanner, IRIS scanner. Printer, Magnetic Stripe/ EMV chip reader, PIN pad etc. Capability of device connecting to V-Sat through wired or wireless technology

3. Bidder is required to describe proposed Technology Solution covering the following :

Clear articulation and description of the understanding of the scope of work and technology solution proposed by the bidder

Extent of compliance to requirements specified in the scope of work (Annexure-I),

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Sl. No.

PARTICULARS DETAILS

clearly mentioning reservations / deviations if any with cross reference to the relevant clause of RFP as per Annexure-VII.

Areas of non-compliance. Strength of the Bidder to provide

services including examples of similar work completed.

Adherence to best practices prevailing in the industry.

Business continuity and Disaster recovery facility

4. Experience of the Bidder on similar assignments implemented in the past in tabular form :

Name of the client

Name and contact details of the dealing official of the client

Nature of project

Size of the contract (Order value Rupees in lakhs)

Present status of the project

Highlight the services involved in the project like number of enrolments made, smart cards issued, no of transactions done, etc., which are similar in nature to the services to be rendered in this RFP.

5. Please give information on Key business and technology personnel: a) Name of the Staff b) Designation c) Educational qualification d) Experience

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Sl. No.

PARTICULARS DETAILS

e) Area of expertise

D. BACK TO BACK BC ARRANGEMENTS MADE, IF ANY 1. Name and address of the Agency for

Back to Back BC arrangements, conforming to the provisions under Annexure-V.

2. Experience of the BC Agency

3. Name of Banks with whom BC Agency is working

4. Back to Back Arrangements valid upto

E. REFERANCES WHERE SIMILAR PROJECTS ARE IMPLEMENTED

1. Name of Bank / Govt. Agency with Contact details

2. Services offered and No. of Cards used

3. Implementation taken up, Since 4. Present status of implementation

F. DETAILS OF BIDDER’S SUPPORT CENTRES

1. City / Town

2. Detailed Address 3. Name of Officer in Charge with

Contact Number

4. No. of qualified and trained personnel

5. Maintained inventory of the critical spare parts

G. ARCHITECTURE OF FINANCIAL INCLUSION SYSTEM 1. Whether Architecture Proposed is

Centralized? Briefly explain the architecture.

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Sl. No.

PARTICULARS DETAILS

2. Whether the solution proposed is “Scalable?” if so, justify.

3. Whether the solution proposed provides reliable security end-to-end? Explain the security measures .

4. Whether the solution proposed is having redundancies, if so details

5. Indicate the response time for different transactions

6. Indicate the minimum Bandwidth requirements

7. Whether easier back up and retrieval mechanisms are built in to the solution proposed?

8. Business Process Continuity features

9. Whether the proposed solution is all set for DR Replication

10. Specify the standards / protocols used in the solution offered

H. INTREROPERABILITY 1 Supports Interoperable with Other

Acquirers and Issuers

2 Comment on the interoperability of the solution proposed with other applications/platforms.

3 Supports AEPS transactions through NPCI / UIDAI

Support of RuPay card transactions through NPCI/UIDAI

I. CONFIRM SUBMISSION OF FOLLOWING 1. Annexure-I Compliance to Scope of

Work

2. Annexure-II Compliance to Functional Requirements

3. Annexure-III Compliance to Fixed charges payable to SP and sharing a

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Sl. No.

PARTICULARS DETAILS

portion of it with BCA; and authorising Bank to make direct payment to BCA as indicated therein.

4. Annexure-IV Indicative commercial Bid with relevant noting. Unit Prices should not be mentioned.

5. Annexure-VII Statement of Compliance / Deviation

6. Annexure-VIII Technical Evaluation for Technology .

7. Annexure-XI Offer Covering Letter

8. Annexure-XII Letter of Undertaking

9. Bank Guarantee as per Annexure-XIII for Rs.10.00 Lacs.

10. DD/Banker’s Cheque towards Cost of Bid.

11. Power of Attorney / Board Resolution/Letter from Director etc., authorising the signatory

(Signature of the Bidder with Seal)

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Annexure VI- (I)

SPECIFICATIONS & FEATURES OF HHT (MICRO ATM)

MAKE – HCL MODEL- SMART BEE

MICRO ATM FEATURES

HCL make Micro ATM has following highlighted features:-

Built-in STQC Certified Fingerprint sensor required for AEPS

Supports reading of Smart Card and RuPay Card

EMV Level 1 Compliant device

32-Bit ARM 9 Processor running Embedded Linux

512MB Flash and 128MB SDRAM Memory

Easy-to-Read, 2.83” High Resolution color TFT LCD

External Dual USB Ports

External Fast Ethernet Interface

Single or Dual Contact Smart Card Interface Reader

Built-in Speaker

Real-time clock (RTC) with independent backup battery

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TECHNICAL SPECIFICATIONS OF MICRO ATM

Processor

ARM9 based 32bit Processor

Memory

512MB on board NAND Flash.

128MB DDR2 RAM. Expandable up to 256MB

Micro-SD Slot for Secondary Memory

Display

2.8” TFT LCD Color display

Resolution: 320X 240 QVGA

Keypad

24 Keys Alphanumeric Keypad

GSM / GPRS

GSM/GPRS module

Tri band (900/1800/1900)

Fingerprint Reader

STQC Complaint Optical Fingerprint Sensor

Resolution 500 dpi.

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ISO/IEC 19794 compliant

Smart Card interfaces

Single Contact card Reader - ISO7816 compliant (or)

Dual Contact card Reader – ISO7816 compliant

SCOSTA 1.2b card

Magnetic Card Reader

EMV level 1 compliant

Standards: ISO7810 and ISO7811 compliance

Tracks: Dual-track reading of bank cards’ Track2&3 or VISA/ Mastercards’ Track 1&2

Swiping direction: bi-directional data decoding

Printer

2” Thermal Printer

Paper size: 58 mm width

High Resolution printing (8 dots/mm)

Communication Interface

Dual USB 2.0 Ports

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Single 10/100 Ethernet RJ45 Port

SAM Card interface (Optional)

Supports protocols in accordance with ISO 7816 & EMV.

Supports synchronous cards

Support 1.8V,3V & 5V operating card

Support Dual card slots

Support SAM card of SIM Card size (ID-000)

Audio

Voice guidance for Transaction & Enrolment

Software

Embedded LINUX OS

Power

Input Power : +12V DC /5A

Integrated Li-Ion Battery Charger

Backup Battery

7.4V, 2600mAH Rechargeable Lithium-Ion battery.

4 Hrs working.

6Hrs Standby.

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External Power supply adapter

Input :100 ~ 264V AC,50Hz

Output: +12VDC, 5A

Environmental

Operating temperature: 0 °C to +45 °C Ambient

Operating humidity: 10% to 90% RH, non-condensing

RoHS

Physical

Dimensions: 246mm(L)x 115mm(W) x 76mm (H)

Weight: 875gms Approx (Including Battery & Paper Roll).

SECURITY, RELIABILITY AND STANDARD OF MICRO ATM

HCL Micro ATM uses STQC certified finger print template which is

certified by Indian government for Aadhaar based transactions.

STQC Certification refers to Standardisation Testing and Quality

Certification for fingerprint templates developed by the Indian

Government. This certification scheme provides confidence that

certified devices are reliable, safe, secure and meet the

requirements. Department of Electronics and Information

Technology use such devices for UID project to ensure quality

assessed Biometric Devices for enrolment and authentication

processes.

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At present the scheme covers fingerprint image scanners, Iris

camera for enrollment and authentication devices. HCL

Infotech also ensures training on process to enrolment

agencies personnel, calibration and maintenance of devices.

Our MICRO ATM are manufactured at a facility having

established Quality Management System (QMS).

ISO/IEC 19794-2:2005 specifies a concept and data formats for

representation of fingerprints using the fundamental notion

of minutiae. It is generic, in that it may be applied and used

in a wide range of application areas where automated

fingerprint recognition is involved. ISO/IEC 19794-2:2005

contains definitions of relevant terms, a description of how

minutiae shall be determined, data formats for containing

the data for both general use and for use with cards, and

conformance information. Guidelines and values for

matching and decision parameters are provided in an

informative annex.

The fundamental data elements used for minutiae-based

representation of a fingerprint; three data formats for

interchange and storage of this data: a record-based format,

and normal and compact formats for use on a smart card in a

match-on-card application; optional extended data formats

for including additional data such as ridge counts and core

and delta location.

GPRS data transfer is typically charged per megabyte of traffic

transferred, while data communication via traditional circuit

switching is billed per minute of connection time,

independent of whether the user actually is using the

capacity or is in an idle state. GPRS is a best-effort packet

switched service, as opposed to circuit switching, where a

certain quality of service (QoS) is guaranteed during the

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

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connection for non-mobile users.

Linux operating system (open source)

HCL Micro ATM supports multi lingual voice and text

assistance. The device has language support in all the local

Indian languages in addition to English. Through the speakers

the device provides voice support and on the screen there is

text support.

HCL Micro ATM has an additional feature to follow one-to-one

mapping with its agent. Each device only operates once the

mapped agent unlocks the device through its finger prints

ensuring high level of security and authentications.

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ANNEXURE-VII STATEMENT OF COMPLIANCE /DEVIATION

All Terms and Conditions - Commercial and Technical Requirement We hereby agree to abide by all the terms and conditions stipulated by the Bank in this RFP including all addendum, corrigendum etc., issued by the Bank and certify that the Bid response submitted by us confirm to the specifications stipulated by you except the items mentioned below :

Sl. No. of

Deviations

Clause No. as per RFP

Page No. of the RFP

Brief Description of the Provision in RFP

Deviation and Remarks by the Bidder

A. COMMERCIAL :

1.

2.

3.

4.

5.

B.TECHNICAL :

1.

2.

3.

4.

5.

Signature of the Bidder with Seal of company

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ANNEXURE-VIII

A. TECHNICAL EVALUATION:

Sl. No.

Traits Max

Marks Reply of Bidder

Marks Awarded

1 SP interested to comply with HHT (Micro ATM) owned by Bank make- HCL model-Smart Bee) version 1.5.1 (**)

5

2 Capability of supporting e-KYC while enrollment of customer for account opening.

4

3 The solution shall be capable of handling Banking products (Prods) such as opening of SB, RD & Term deposit accounts, Remittances, Loans, cash deposits, withdrawals, balance inquiry, mini statement, Micro insurance, Micro Pension Govt. payments like NREGP, SSP, various DBT payments etc. Min 5 Prods – 3 Marks 5 to 8 Prods – 4 Marks More than 8 Prods– 5 Marks

5

4 The solution should ensure secure (encrypted) communication between HHMs, inter FI Server of the Bidder and Bank’s Gateway and to comply with acceptable security standards such as SSL/https for data download and upload.

3

5 Capacity of the Solution: No of financial transactions supported per day.

5

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Sl. No.

Traits Max

Marks Reply of Bidder

Marks Awarded

Upto 100 --1 Marks 101 - 200 --2 Marks 201- 300 -- 3 Marks 301 - 400 -- 4 Marks More than 400 -- 5 Marks Whether the Hardware and Software can be further sized to meet additional transactions envisaged

2

6 Voice guidance mechanism in local language

4

7 Provide audit trails 4

8 Parameterization capability for settings at upper /lower limits of all type of transactions in the Micro ATM /Intermediary server of the Bidder

5

9 Capability to support inter operability

5

10 Capability to support Aadhaar seeding

5

11 Capability to support Mobile seeding

5

12 Disaster recovery management as a part of Business continuity Plan

5

13 Scope of Facility Management

3

14 Does the bidder undertake all activities of BC along with the Technical solution (5 marks) OR have Back to Back arrangements with other BC (3 marks).

5

15 Total no of banks in India for which similar solution has been successfully Implemented

5

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Sl. No.

Traits Max

Marks Reply of Bidder

Marks Awarded

1 to 3 Banks – 3 Marks 4 Banks - 4 Marks 5 & more Banks – 5 Marks

16 The solution should provide standard MIS Reports as required by the bank and capability to provide MIS as required by statutory authorities for Financial Inclusion.

4

17 The solution should have provision for taking backups of the transaction data and master data at periodical intervals and conform to Backup standards as per Information Technology Act, 2000.

3

18 The Front end equipment should support connectivity through any communication channels such as GPRS, GSM, CDMA, PSTN and V-SAT (wired or wireless) depending upon the type of connectivity available at the local place of operation.

4

19 Front end equipment to offer various Services/Options available in the application software, on booting, only after biometric authentication of BCA through Aadhaar.

4

20 Any activity through the front end equipment should be processed with biometric authentication of the customer.

4

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Sl. No.

Traits Max

Marks Reply of Bidder

Marks Awarded

21 Front end equipment and its application should be capable to fetch software upgrades, revision in business rules etc from the servers

5

22 Capability to connect Printer, Biometric Scanner and other external devices through Blue tooth or USB in secured manner

3

23 Capability to print receipts of all type of transactions in local language.

3

24 TOTAL 100

** We have 608 HHT/Micro ATM of HCL make model Smart Bee complying

1.5.1 standard of UIDAI.

-o-0-o-

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ANNEXURE-IX

Standard Operating procedure for BC/BCA/Bank Mitra Logistics at the BC /Business Correspondent Outlets 1. Display of signage as approved by the Bank. (Signage by

Bank and Registers by Bidder)at BCO 2. Display of Phone numbers of Help line, Bank officials,

grievance redressal officer (link Branch / Circle Office etc) at BCO

3. Display of the list of Dos and Do not’s for customers at BCO 4. ID card to be issued to BCA by BC. 5. Ensure availability of required Stationery – forms of

account opening, Micro insurance, Micro pension, loan application forms, check lists, publicity materials / pamphlets / job cards for banking products provided by Bank.

6. Appoint Bank Mitra with minimum qualification (preferably 12th pass) and obtain IIBF/Bank approved certification within one month and ensures that he/she works from a fixed location (a room with minimum space of 10x10 ft) for branding purpose and extend banking service to the customers by visiting the villages allotted.

7. Bank Mitra is treated as inactive if he fails to login and do the transactions continuously for 3 days and necessary action will be taken including replacing of bank Mitra.

8. Bank Mitra shall NOT have any subcontracts for managing BC outlets and operate himself and there shall not be any intermediate layer between SP and Bank Mitra.

Maintenance of Registers: 1 Records of customers enrolled; 2 Account opening forms sent and pending to be sent to Base

Branch; 3 Aadhaar seeding requests register. 4 Mobile seeding requests register 5 Customer contact register; 6 Visitors/Bank officials visit register.

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7 Details of Name of grievance redressal official and contact number.

8 Ensure provision like Cash box and safe keeping of Field devices, registers.

9 List of Do’s and Don’ts for customers to be displayed. 10 Pass book and RuPay cards issued to customers register. 11 Complaints register 12 Registers for noting applications canvassed for different

insurance and pension products. Image and Trust Building 1. SP/BCAs to create awareness about the channel among the

area of operation. 2. SP/BCAs to market Banking products and attract customers

in the Area of Operation 3. BCs to do due diligence for BCA selection.

4. SP to Arrange for training and capacity building of BCAs and

complete certification of BCA in three months of appointment.

5. Ensuring Wearing of uniform by Bank Mitra while on duty. Technical Requirement 1. Safe upkeep of front end field devices like HHM, Mobile

devices, printer, scanner, PIN Pad ,VSATs etc 2. Keep device batteries charged and in ready mode for

providing services. 3. Maintain help line number of technology / device provider. 4. Download updated versions of the front end applications. 5. Keeping the PIN / BCA cards / Passwords secret to obviate

any possibility of unauthorized use of the technology device.

Operational Requirement 1. Approval from Bank to establish a BCO in the Area of

Operation.

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2. Account opening form filling, collection of required KYC documents, photograph and biometrics of the customers etc.

3. Enrollment of customer as per the process approved by bank.

4. Digitization of customer details within 3 days of customer enrollment and safe and secure transmission of data to bank.

5. Coordinating with base branches to expedite verification and upload of customer data in CBS for account creation.

6. Facilitating Distribution/delivery of RuPay card / activation of the card / delivery of passbook on account being opened in CBS of the Bank.

7. Maintaining secrecy about customer account information. 8. Maintenance of sufficient balance in the BC settlement

account to support customer transactions and fund settlement with the bank. Seasonal requirements for disbursals under EBT and DBT requirements are also to be met and sufficient balance maintained. Under no circumstances, the customer is sent back for want of funds.

9. Increase of BCA cash threshold limits to ensure continuity in customer services as per bank’s requirement.

10. Arrange for availability of sufficient physical cash at BCO. 11. Ensure replenishing / collection of surplus cash from/to

Base Branch. 12. Service Provider to ensure availability of consumables like

printing paper, ribbon etc at the BCO. 13. BCA to ensure issuance of system generated receipt to

customers on completion of transaction both for successful and failed.

14. Service Provider to define dispute resolution mechanism. 15. Forward any feedback / complaint received from the

customers to the bank. 16. Define Risk mitigation process in operations. 17. Service provider to arrange insurance for cash on hand, in

transit etc; and devices with BCA/BCO. 18. Service provider to make alternate arrangement to ensure

continuity of banking services to the customers, in case of temporary / permanent termination of BCA at any outlet.

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Legal Requirement 1. Service Provider to note that Persons / BCAs engaged by

them are not the employees of the bank; and bank shall not be responsible in any manner for payment of wage remuneration nor payment for PF, EPF etc., due to such persons.

2. Service Provider is solely responsible for any frauds, misdeeds etc whatsoever committed by the Bank Mitra and SP shall make good of any financial loss to the Bank or Bank customers due to the acts of BC or BCAs.

The Bank shall not be responsible in any manner for any penalty/fine imposed by any statutory body/authority towards any dues/liabilities towards any of the above.

-o-0-o-

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ANNEXURE-X

DETAILS OF BUSINESS CORRESPONDENT OUTLETS

Number of Sub-Service Areas and the urban wards to be covered, In 4

District of our service area under this RFP are as under:

Sr. No. Details Quantity

1. Sub-Service Areas In the district of Moradabad, Amroha, Sambal & Rampur

548

2. Wards under Urban Clusters -

TOTAL 548

a) In addition to the above, Bank at its discretion may increase /

decrease the quantity to the extent of 35%. Additional Sub-Service

Areas/Wards, if any allotted, will be furnished to the successful

bidder on later dates.

b) Sub-Service Areas where Bank opens their brick and mortar

branches, at a later date, will stand reduced from the total number of

Sub-Service Areas mentioned above.

c) The approximate number of Sub-Service Areas is furnished below.

The number of Sub-Service Areas in 4 district of UP may vary from

time to time, subject to allotments / modifications to be effected by

SLBCs UP.

-o-0-o-

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ANNEXURE-XI OFFER COVERING LETTER

The General Manager

Prathama Bank

Head Office, FI Department

Prathama Bhawan

Ramganga Vihar Phase-2

Moradabad (UP)- 244001

Sub: RFP for appointment of Service Provider for BC Services

Ref:

Dear Sir,

1. We have examined the RFP and we offer to extend Business

Correspondent Services including the technology service as per the

terms, conditions and scope of services spelt out therein, and in

accordance with the schedule of prices indicated in the Commercial Bid

and made part of this Bid, which may be considered by the Bank for

conducting the reverse auction.

2. While submitting this Bid, we certify that:

a) Prices in the Bid have been arrived at without agreement with any

other Bidder of this RFP for the purpose of restricting competition.

b) The prices in the Bid have not been disclosed and will not be

disclosed to any other Bidder of this RFP.

c) We have not induced nor attempted to induce any other Bidder to

submit or not submit a bid for restricting competition.

3. We certify that the information/data/particulars furnished in our RFP

are factually correct. We also accept that in the event of any

information/ data/ particulars proving to be incorrect, Bank will have

the right to disqualify us from the bid.

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4. We undertake to comply with the terms and conditions of the RFP. We

understand that the Bank may reject any or all of the offers without

assigning any reason whatsoever.

5. We confirm that the Bid submitted by us is valid for a period of one year

from the date of opening of the Bid.

6. We have submitted the EMD as per the terms of the RFP and are

agreeable to the forfeiture conditions mentioned therein.

7. The single point of contact for seeking information / clarifications, etc.,

relating to this Bid is furnished below:

a) Name of the Authorized Person and Designation:

b) Detailed Postal Address for communication:

c) Email id of the Authorized Person:

d) Contact No. 1) Land line with STD code

2) Mobile No.

e) Fax No with STD code:

Yours faithfully, (Name and Designation)

For and on behalf of _______________________

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ANNEXURE-XII (Letter of undertakings on the letter head of the Bidder)

The General Manager

Prathama Bank

Head Office, FI Department

Prathama Bhawan

Ramganga Vihar Phase-2

Moradabad (UP)- 244001 Dear Sir

Ref: Bid Ref. We refer to your above mentioned RFP and undertake the following: 1. We hereby confirm that neither <Name of the Bidder>, the bidder, nor

our Promoters and Directors are defaulters to any financial institution in India and abroad.

2. We have not been reported by any Public Sector Bank / Financial

Institutions to Indian Banks’ Association (IBA) for any malpractice, fraud, poor service, etc. and that we are not on the caution list maintained by IBA, listing service providers whose services have been terminated by other Banks.

3. We hereby agree to submit Security Deposit / Performance Guarantee

at the rate of 10% of the Contract Value. 4. We hereby agree that we will follow the general guidelines mentioned

in Annexure-V while appointing the Business Correspondent Agents. 5. We hereby agree to open a current account with the Bank and also

offer our concurrence to share that portion of the charges payable to the BCAs (as per Annexure-III&IV) to be decided during the reverse auction process. Also, from out of Bills/Invoices/Claims to be submitted by us to the Bank for payment, we hereby authorize the Bank to credit the payments to our account with you and transfer that portion of the charges payable to the respective BCA's accounts, as per the details mentioned in the RFP.

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6. We confirm that our entity is not owned or controlled by any Director or Officer/Employee of the Bank or their relatives, as per the meaning assigned under Section-6 of the Companies Act .

7. We confirm that we are not involved in any major litigation that may

have an impact of affecting or compromising the delivery of services required under this RFP.

8. We confirm that we are agreeable to take up FI implementation in

additional locations to the extent of 50%, over and above the quantities mentioned in the RFP, in the operational area of Bank, on the same Commercials and Terms and Conditions being finalized for the RFP.

9. We confirm that we will not collect non-refundable deposits from BCAs. 10. The Business Correspondent should not collect interest free deposits

from BCAs. 11.We confirm that we will maintain existing Hand Held Devices and their Peripherals. 12. We confirm that we will not, in any way, convey to the BCAs that they Can claim jobs with the bank on account of becoming BCA. 13. We confirm that we will enter into a comprehensive agreement with BCA. A copy of such agreement is submitted along with the Technical Bid and we will include suggestion given by the bank, if any, in the BCA agreement. 14. We are agree to opt working with existing Bank’s owned HHTs (Micro ATMs) make – HCL Model – Smart BEE.

Yours faithfully, (Authorized Signatory with Seal)

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ANNEXURE-XIII

FORMAT OF BANK GUARANTEE / BID SECURITY Whereas ______ (herein after called “the Bidder”) has submitted its response to Bid vide RFP No. ________________ dated __________, offering End-to-End solution through Business Correspondent Services for implementation of Financial Inclusion projects (hereinafter called “the Bid”) KNOW ALL PEOPLE by these presents that we ___________ having our Registered Office at ___________ (hereinafter called “the Bank”) are bound to Prathama Bank, Corporate Office, FI Department, Head Office, Prathama Bhawan, Ramganga Vihar, Phase-2, Moradabad (hereinafter called “Purchaser” or “Bank”) in the sum of _____ for which payment well and truly to be made to the said Purchaser, the Bank binds itself, its successors and assigns by these presents. Affixed with the Seal of the said Bank this ____ day of __________2017. THE CONDITIONS of this obligation are: 1. If the Bidder withdraws its Bid during the period of Bid validity specified

by the Bidder on the Bid Form; or 2. If a Bidder fails to participate in Online Sealed Bids/ Reverse Auction

Process; or 3. If the Bidder, having been notified of the acceptance of its Bid by the

Bank during the period of Bid validity: a) Fails or refuses to furnish the Performance Security, in accordance

with the terms of the Bid; or

b) Fails to supply the Goods within the stipulated period; or

c) Fails to accept the Purchase Order. We undertake to pay the Bank up to the above amount upon receipt of its first written demand, without the Bank having to substantiate its demand, provided that in its demand the Bank will note that the amount claimed by it is due to it, owing to the occurrence of one or more of the above conditions, specifying the occurred condition or conditions.

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1. This Guarantee will remain in force up to and including -----------------, 2017, and any demand in respect thereof should reach the Bank not later than the above date.

Notwithstanding any other terms contained herein;

a. This guarantee is irrevocable during the period of its currency and shall not be revoked without the prior consent of the Bank in writing.

b. We further agree and undertake to pay the Bank without demur the amount demanded by the Bank in writing notwithstanding any difference or dispute that may exist or arise between the Bank and the Bidder.

(Signature and Seal of Bank)

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ANNEXURE-XIV

SERVICE LEVEL AGREEMENT

(Subject to Modification and approval by the Bank)

This agreement executed at MORADABAD on the ________________________ between

Prathama Bank, a Regional Rural Bank, constituted and functioning under the Regional Rural Bank Act 1976, having its Head Office at Moradabad (UP)244001, hereinafter, referred to as 'Bank', represented by its General Manager which term and expression shall unless repugnant to the context mean and include its successors and permitted assigns of the First Part

AND

______________________, incorporated under Companies Act having its registered office _________________________ and principal place of business _________________________ hereinafter referred to as “Service Provider (SP)” which expression shall unless repugnant to the context or meaning thereof shall include its successor & permitted assigns of the Second Part.

WHEREAS the Bank is desirous of availing services to facilitate its business growth and the SP has offered to provide services as may be required by the Bank.

NOW THEREFORE this agreement witnessed as under:

1. SCOPE OF SERVICES

1.1 The SP agrees to provide the services as per Schedule A, as per instructions and as may be required by the Bank from time to time, in the habitations coming under the Bank’s allotted Sub-Service Areas and Wards of Urban clusters specified in Schedule B.

1.2 SP shall ensure that its agents/employees, a) are properly trained to handle with care, their responsibilities

particularly aspects like soliciting customer, hours of calling, privacy of customer information and informing the correct terms and conditions of the products offered etc.

b) adhere to extant instructions on Fair Practices Code for lending as

also their own code for collection of dues or in the absence of

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such a code at the minimum adopt the IBA’s code for collection of dues and repossession of security. It is essential that they refrain from action that could damage the integrity and reputation of the Bank.

c) Shall not resort to intimidation or harassment of any kind either

verbal or physical against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude the privacy of the borrowers’ family members, referees and friends, making threatening and anonymous calls or making false and misleading representations.

1.3 SP shall adhere to the performance standards in respect of services

and products as detailed in Schedule ‘A’ hereunder written, which forms part & parcel of this agreement. The Bank reserves the right to change / vary / the contents of Schedule ‘A’ by advising the same to SP in writing and upon such advise, the amended Schedule ‘A’ shall become effective.

1.4 The list of entities from which the BC can engage BC Agents and the

general guiding principles for the same are given in Schedule C. 1.5 The technological service standards for the services to be offered are

in Schedule D. 1.6 The performance of the Service Provider will be reviewed, BCO/CSP

wise, by the Bank every month initially, and thereafter at such intervals as the bank may decide.

1.7 It is expected that Bank Mitr /Business correspondent Agents (BCAs)

are engaged and are activated in the villages / locations coming under the jurisdiction of the Sub-Service Areas and Urban Clusters, the details of which will be shared by the Bank, within one month from the date of award of contract.

1.8 It is also expected that each BCA will continue to enroll the

customers in SSA allotted to them for account opening.

1.9 The SP/BCA shall in consultation with the bank/branch announce to

the customers, the place where they can access and operate their

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account. However, Bank shall have the right to direct the SP/BCA regarding the place/premises, working hours, etc. of the SP/BCA.

1.10 The BCA shall compulsorily wear the uniform & Identity card

provided to him by the SP /or Bank when they perform the services for the bank. Further the SP/BCA shall answer only to the queries of the customer related to that customer only and shall not reveal / discuss matters pertaining to others.

1.11 The SP shall engage only individuals with good track record and

antecedents as Bank Mitra / BCA will be performing the services under this agreement, on behalf of the Bank. For this purpose, the SP shall take all necessary steps for verifying the antecedents and track record, including obtaining report from police, exercise due diligence and also ensure following while engaging BCAs.

a) BCA should be hailing from the same area/permanent resident of

the area at least for the past 3 years. b) BCA should be within the age limit of 60 years and should be able

to read, write and speak the local language, besides English. c) Bank Mitra should be with minimum qualification (preferably

12th pass) and obtain IIBF/Bank approved certification within 3 months and ensures that he/she works from a fixed location (a room with minimum space of 10x10 ft) for branding purpose and extend banking service to the customers by visiting the villages allotted

d) BCA should be non political, without any case for criminal act registered against him.

e) Bank Mitra appointed should abide by the dress code as specified by Bank / GOI.

f) BCAs should be physically fit to move around the areas envisaged to be covered.

g) SP shall obtain photos, address proof, conduct certificate from two respectable persons and other required documents from BCA while engaging /appointing them. Bank has the right to publish the photo and other details of the BCA and other related staff of SP in the Bank's website.

h) SP shall ensure that BCAs engaged by them are not in service after attaining the age of 70 years.

i) SP shall properly guide the BCA including giving training to them

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at their cost for providing services under this agreement and shall ensure that BCAs are providing the service within the area/jurisdiction allotted to them.

j) SP shall ensure that BCA shall not render similar services to anybody while acting as BCAs to them, unless specified by the Bank.

k) SP agrees that all clauses as applicable to them under this agreement shall be applicable to the BCA and for this purpose, the SP shall enter into an agreement with their BCA, which shall be strictly in conformity with this agreement with corresponding clauses in the said agreement and shall ensure that BCAs render their service strictly in tune with the terms and conditions of the agreement and applicable RBI/GoI/MoF guidelines from time to time.

l) SP agrees that the bank reserves the right of approval of all BCAs appointed by them. Approval of BCA by the bank shall not discharge the SP from any of their liability under this agreement, whether express or implied or constitute waiver of any of the right or create any obligation/liability on the bank under this agreement. Further Bank shall have the right to ask for the change of BCAs .appointed by SP at the cost of the SP, if bank feels that the services of the BCAs are not up to the expected level or bank receives any adverse report about the functioning of the BCA.

m) SP agrees that they shall be fully responsible for all acts and omissions of their BCAs and nothing in this agreement shall be construed to create any contractual or other relationship between the bank and BCA appointed by them. Any dispute between the SP and their BCA shall be dealt by the SP without reference to the bank and the bank shall not take cognizance of such things.

n) SP shall duly notify the bank, immediately on termination of their agreement with the BCA and shall ensure that the obligation of BCA with regard to confidential information shall survive even after termination of the agreement. The SP agrees to send a monthly report to the Bank, of such termination and re/appointment before 5th of the succeeding month.

o) All charges towards engagement of BCA shall be borne by the SP. p) On the termination of the services of the BCA, SP shall inform to

all the customers in the area at their own cost, about his

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termination and to ensure that BCA does not deal with the customers, forthwith, in connection with any of the transaction under this agreement.

q) BCA/Bank Mitra is prohibited from charging any fee to the customers for the services rendered by them on behalf of the Bank.

r) Bank Mitra / BCAs are enrolled for Aadhaar and Aadhaar is seeded in their accounts in Bank and they should login to Micro ATM through Aadhaar.

2. MAINTENANCE OF RECORDS BY BC AND MONITORING / INSPECTION BY THE BANK.

2.1 SP specifically agrees to maintain all records accounts including registers / documents etc. as per instructions of the Bank from time to time and ensure safe and proper custody of all records, accounts including documents etc.

2.2 SP specifically agrees that the Bank shall be entitled to inspect and audit the records maintained by SP through its officers/employees or agents / auditors as may be decided by the Bank at its sole discretion and SP hereby undertakes to promptly produce all records and information required for this purpose / for the purposes of inspection and audit. SP shall provide access, to the officers / employees / representatives / agents or auditors of the Bank to the premises / places where such records are kept / maintained. The Bank shall have a right to obtain copies of any audit report, review reports and findings made on the SP in connection with the services performed by SP for the Bank.

2.3 Further, SP specifically agrees that it shall allow access to Reserve Bank of India (RBI) or persons authorized by RBI or its employees/officers or other persons to inspect and access the documents, accounts, records of transactions and all necessary information in possession of, or stored or processed by the SP within a reasonable time. The persons authorized by RBI shall have right to obtain copies of the records, information etc. in possession of SP. SP further agrees that in case access is not allowed to the persons authorized by RBI for the purposes of inspection which results in imposition of supervisory fees by RBI upon the Bank, and the Bank is required to pay such supervisory fees to RBI, SP shall be liable to reimburse to the Bank such fees including any penalty, interest levied and recovered by RBI.

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2.4 SP specifically agrees that the Bank has full right to monitor and assess the performance of services by SP and wherever the Bank discovers any deficiency or non-performance of the services up to the mark, the Bank shall instruct the SP in writing and SP agrees to rectify the deficiencies or to ensure compliance of the instructions of the Bank within a maximum of one month.

2.5 SP agrees to prepare and produce (by xx 2017) a `Business Continuity Plan’ for the purposes of ensuring continued rendering of services undertaken by the SP to the Bank or latest within one month from the date of execution of the agreement. SP agrees to make necessary changes to the Business Continuity Plan or Contingency Plan as per instructions / directions given by the Bank after examination of the plan submitted by the SP.

3. CONFIDENTIALITY

3.1 SP is aware that all information disclosed to the SP by the Bank and all records, accounts, documents maintained by SP are confidential in nature and having regard to the sensitive nature of the information and records, specifically agrees to maintain secrecy and confidentially of all the information and records, accounts in respect of the outsourced services in the same manner & degree of care as SP would ensure for its own confidential & sensitive information. SP shall ensure that appropriate and suitable undertaking / agreements are obtained and maintained from its employees, agents and representatives as the case may be to ensure compliance with confidentiality obligations of SP.

3.2 SP agrees to indemnify and hereby keeps the Bank indemnified

against all actions, claims, loss, damages, Costs, Charges, expenses (including Attorney / Advocate fees and legal expenses) which the Bank may suffer or incur on account of breach of confidentiality obligations as per clause 3.1 above by SP or its employees, agents, representatives. SP further agrees to make good the loss suffered by the Bank upon its first demand by the Bank i.e. on receiving the demand in writing informing the amount of loss suffered, which shall be final, conclusive and binding on SP.

3.3 It is agreed between the parties that all the data and other

information supplied to the SP during the course of engagement is

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proprietary information owned by the bank and the SP shall not have any claim or right or ownership over such information.

3.4 SP or their staff shall not disclose or divulge at any time to any

person, any communication made to them in confidence or otherwise by the Bank or by the customer directly or indirectly or any information directly or indirectly connected with or relating to or in respect of business of the Bank gained/received or acquired in the course of the engagement of services.

3.5 SP undertakes to take utmost care and diligence to hold and keep

secure and confidential at all times and avoid publication, dissemination or disclosure to persons other than their authorized personnel as permitted by the Bank and to prevent the use of any Confidential Information relating to organization, structure, procedures, financial details and other matters relating to the business affairs of the Bank and all documentation, communications and information relating to the Bank and customers whatsoever written or otherwise provided to them in the course of their service.

3.6 SP undertakes and agrees to isolate and clearly identify the Bank and

its customers' information, documents, records, data and assets to protect the confidentiality of the information.

3.7 SP shall at all times during the period of engagement will honestly

and diligently discharge or fulfill the duties and/or obligations in accordance with the terms and conditions mentioned herein and the rules of business of the Bank in force from time to time, keeping highest confidentiality in the matter.

3.8 However, the Confidential Information shall not include any

information that: Was publicly known and made generally available in the public

domain prior to the time of disclosure.

Becomes publicly known and made generally available.

Is required to be disclosed by law.

3.9 In the event that SP is required to disclose Confidential Information by Law, SP agrees to: Promptly notify the bank of the existence, terms and

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circumstances surrounding the requirement;

Consult with the bank on the advisability of taking legally available steps to resist or narrow such requirement or to waive compliance, in whole or part and;

Furnish only that portion of the Confidential Information as is legally required to be furnished /disclosed.

3.10 The obligation of SP under this clause shall survive even after expiry of the agreement by efflux of time or termination.

4. RELATIONSHIP BETWEEN THE PARTIES

4.1 It is specifically agreed that SP shall act as independent service provider and shall not be deemed to be the Agent of the Bank except in respect of the transactions/services which give rise to Principal Agent relationship by implication.

4.2 Neither SP nor its employees, agents, representatives shall hold out

or represent as agents of the Bank. None of the employees, representatives or agents of SP shall be entitled to claim permanent absorption or any other claim or benefit against the Bank.

5. COMPLIANCE WITH LAWS BY SP

5.1 SP hereby agrees and declares that it shall be the sole responsibility of SP to comply with the provisions of all the applicable laws, concerning or in relation to rendering of services by SP as envisaged under this agreement.

5.2 SP shall procure and maintain all necessary licenses, permissions, approvals from the relevant authorities under the applicable laws throughout the currency of this agreement.

5.3 SP shall be solely liable & responsible for compliance of applicable Labor Laws in respect of its employees, agents and representatives and in particular Laws relating to terminal benefits such as minimum wages, Pension, Gratuity, Provident Fund, Bonus or other benefits to which they may be entitled and the Bank shall have no liability in this regard.

5.4 SP hereby represents and warrants that it has full authority to enter into this Agreement and render the services as envisaged under this

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agreement and all Corporate or other necessary approvals have been obtained for entering into this Agreement with the Bank. Further, the persons executing this agreement on behalf of SP have full authority and power to execute this agreement and bind SP.

6 FEES, TAXES, DUTIES, PAYMENTS AND PENALTY

6.1 SP shall be paid fees and commission, based on the services availed at rate/s determined by the Bank and detailed in schedule E, subject to the services rendered are to the full satisfaction of the Bank. All payments made by the bank to SP shall be subject to TDS as applicable. SP shall not be entitled to claim any other amount by way of reimbursement, remuneration, honorarium, allowances or otherwise, or benefits of any other type whatsoever. Further no fee shall be collected directly by the BCAs from the customers. The remuneration payable is for the service rendered by SP including their BCA and SP is not entitled for any amount over and above the remuneration payable to them.

6.2 SP will submit invoices for the current month in the subsequent month along with the required system generated reports so as to show the terminal transactions done during the month as annexure.

6.3 SP hereby authorizes to debit their current account no.___________ with, Prathama Bank, _________ branch for the total amount payable to the BCAs as per the enclosure submitted along with the invoice. The bank will credit the individual accounts of BCAs once the payment is effected by the Bank and the net of the amount payable will be credited to the account.

6.4 All other taxes duties and other charges which may be levied excluding service tax shall be borne by the SP and the Bank shall not be liable for the same. Bank will reimburse service tax at actual.

6.5 All expenses, stamp duty and other charges expenses in connection with execution of this agreement shall be borne by SP.

6.6 Without prejudice to the banks’ right to terminate the agreement, for any defective service or inability to provide the service for any reason or for non-functioning of the BCO for any reason, beyond 10 (ten) working days continuously, a penalty @ Rs. 500/- per day (from the 11th day onwards) will be charged with a maximum of Rs.5000/- for each of the Business Correspondent outlet from the Service Provider.

7 BUSINESS CONTINUITY PLAN (BCP)

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7.1 SP agrees to appoint BCA immediately in case of termination/ resignation/long absence etc., of the BCA already appointed of BCA and ensure resumption of services within the maximum period of 10 days.

7.2 SP agrees to reconcile the cash, collect all the records, Hand Held

Devices etc., and immediately configure the HHD to the new BCA by providing BC card, access etc.

7.3 SP agrees to ensure closure of Settlement account of the

terminated/resigned BCA and arrange to open settlement account of new BCA.

7.4 SP agrees to notify the bank such changes immediately along with

any adverse developments if any that could significantly impact the service provided to the Bank / its customers.

7.5 SP will provide assurance on their state of BCP preparedness once in

a calendar quarter. 8. INDEMNITY 8.1 SP agrees and undertakes to keep and hold the Bank indemnified

and harmless from time to time and at all times due to any expenses incurred by the bank for repairing the equipments that have occurred due to their/BCA misuse and also against all actions, proceedings, claims, counter claims, suits, liabilities (including statutory liability), penalties, demands, charges, costs (including legal costs) and expenses, awards, damages, losses and any other expenses which may be caused to or suffered by or made or taken against the Bank arising out of:

8.1.1 The breach, default of or non-performance of undertakings,

warranties, covenants or obligations under this Agreement by the BC/their BCA;

8.1.2 Any contravention or Non compliance with any applicable laws, regulations, rules, statutory or legal requirements by the BC/their BCA;

8.1.3 Any improper or negligent performance, act or omission or misappropriation of funds of the customer and the bank, improper use of machinery by SP or any of its officers,

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employees, agents or representatives or BCA; 8.1.4 Any claim or proceeding brought out by any person against

the Bank arising out of Confidential Information provided by the BC/BCA without permission of the Bank or breach of confidentiality clause.

8.1.5 Any loss to the money of the bank and customer and the machinery in the custody of the BC/BCA either by his own act or the act of whatsoever nature of its officers, employees, agents, representatives, third parties, BCA etc.

8.1.6 Any claim or proceeding brought out by the customer against the Bank due to failure of the BC/BCA to export and import correct data to and from the server of the Bank; and

8.1.7 Any claim from third party due to the act of the BC/BCA beyond the actual authority conferred to them by the Bank.

8.1.8 SP shall indemnify the Bank and provide a system, free from risks arising out of data becoming outdated, lost or overwritten due to inappropriate update procedures and the potential for frauds.

8.1.9 SP shall indemnify the Bank and hold the bank harmless against loss or liability, claims actions or proceedings if any, that may arise through the action of its employees, agents, contractors, etc.

8.1.10 SP shall assist the Bank in identifying potential risks in the solution, remedy any of the identified risks, develop strategies to measure, monitor and mitigate those risks and implement new controls.

8.2 SP shall maintain adequate documentation, records, audit trails,

etc., and cooperate with RBI/Bank’s internal audit teams, regulatory authorities and third-party external auditors for conducting periodical audit and arrange for necessary access to relevant information / assets under the control of the bidder.

8.3 SP shall be liable to pay the amount that is found by the Bank due from them on any account whatsoever including costs incurred by the Bank in delisting SP on termination of the services.

8.4 The Bank is also entitled to adjust any amount due from SP on

account of non-compliance of terms and conditions of this Agreement by them from the Security Deposit/bank Guarantee.

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After adjusting the amount due from SP from the deposit/Bank Guarantee made by them, the balance due, if any shall be paid by SP to the Bank and the Bank's decision as to the liability of SP shall be final and binding on the BC.

8.5 SP agrees that this clause 8 shall survive termination of this

agreement. 9. TERM AND TERMINATION 9.1 The agreement shall be valid for a period of THREE years from the

date of its execution and may be renewed for further period of two years on the existing terms and conditions or the modified terms and conditions as may be mutually agreed between the parties.

9.2 The banks reserve the right to terminate the contract at any point of time if,

The services are found to be unsatisfactory;

There is a consistent failure to maintain the customer satisfaction;

Desired levels of output by the Service Provider are not met;

There is a discrepancy found in the accounts maintained by the Service Provider and the records of the Bank;

The customers serviced by the Service Provider complain to the Bank that the Service Provider is inefficient;

There is fraud in the accounts handled by the Service Provider; or

Any other reason which in the opinion of the bank is not conducive to the continuation of the Services of the Service Provider.

The Bank shall have the discretion to switch implementation at Sub-Service Area level, to other technologies, business models etc., based on its convenience, availability of infrastructure, connectivity etc.

9.3 However, before terminating the contract, the bank will give a written notice specifying the defects in services to the Service Provider and ask him to rectify the defects within a period of 30 calendar days. In case the defects are not rectified, the bank

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would be authorized to terminate the contract with the Service Provider.

9.4 In the event of termination of the agreement, all records, information including documents etc. shall be returned by SP to the Bank as per instructions of the Bank.

9.5 The Bank shall have a right to terminate the agreement immediately by giving a notice in writing to SP in the following eventualities :

If SP applies to the Court or passes a resolution for voluntary winding up of SP or any other creditor / person files a petition for winding up or dissolution of BC.

If any Receiver/Liquidator is appointed in connection with the business of SP or SP transfers substantial assets in favour of its creditors or any orders / directions are issued by any Authority / Regulator which has the effect of suspension of the business of BC.

If SP is unable to render the services up to the mark as envisaged under this agreement upon a reasonable assessment of the circumstances by the Bank which affect rendering of the services by SP as envisaged under this agreement.

If any acts of commission or omission on the part of SP or its agents, employees or representatives, in the reasonable opinion of the Bank tantamount to fraud or prejudicial to the interest of the Bank or its customers.

If SP is owned/ controlled wholly/ partly by any other bank operating in India

If any officer/ employee/ director of SP or their relatives as defined in section 6 of the Companies Act becomes a director/ officer or employee of the Bank.

If SP fails to submit the Performance Guarantee as per the terms of the RFP.

If Bank wishes to terminate, before commencing system integration without assigning any reason.

9.6 In the event of the termination of the agreement by the Bank pursuant to clause mentioned above, SP shall be liable and responsible to return all records and information in its possession.

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9.7 The SP authorizes the Bank to directly credit to respective BCA’s account, that part of the payment payable to the SP, indicated in Schedules-E for Fixed Charges and Variable charges.

9.8 The performance of SP will be reviewed, every month initially, and

thereafter at such intervals as the bank may decide to identify the bottlenecks and to initiate remedial measures.

9.9 Bidder shall supply infrastructure at their own cost and operate the solution on behalf of the Bank. Bank may at a future date seek transfer of ownership of the solution to the bank if it so desires.

9.10 The Business Correspondent should not collect non-refundable

deposits from BCAs. 9.11 The Business Correspondent should not collect interest free deposits

from BCAs. 9.12 The Bidder should use the HHTs (Micro ATMs) owned by Bank. 9.13 The Business Correspondent should not, in any way, convey to the

BCAs that they can claim jobs with the bank on account of becoming BCA.

9.14 BC will enter into a comprehensive agreement with the BCA. A copy

of the draft format of such agreement is to be submitted along with the Technical Bid. Any suggestion given by the bank should be incorporated in the BCA agreement.

9.15 If the BCA is engaged as a recovery agent /Business facilitator by the

bank, bank will enter into separate agreement with the BCA. In such case all payment towards the Business facilitator activity will be paid to the BCA.

9.16 The RFP issued by the Bank, vide its reference No. PBHO/FID/RFP/273/2017 dated 01.06.2017 and the amendments / corrigendums / clarifications issued by the Bank subsequently forms an integral part of this agreement.

9.17 In case of interpretation of any of the clauses as appearing in the RFP

issued by the Bank vide ref. no. PBHO/FID/RFP/ 273/2017 dated

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01.06.2017 along with the amendments / corrigendums / clarifications etc., issued by the Bank and the clauses contained in this Agreement, the provisions contained in this Agreement overrule the provisions contained in the RFP.

10 LIMITATION OF LIABILITY

10.1 In no event the bank will be liable to the SP for any direct, indirect, special, punitive, consequential or incidental damages, or damages for the loss of use, profits or other intangibles or the cost of procurement of substitute services whether based on breach of contract, under statute, in equity, at law or otherwise, whether or not the SP has been advised of the possibility of such damage.

11 GOVERNING LAWS & JURISDICTION

11.1 The agreement shall be governed and construed in accordance with the Laws of Republic of India.

11.2 All disputes and differences of any kind whatsoever arising out of or in connection with the Purchase Order shall be referred to arbitration. The arbitrator may be appointed by both the parties or in case of disagreement each party may appoint an arbitrator and such arbitrators shall appoint an Umpire before entering on the reference. The decision of the Umpire shall be final. Such arbitration to be governed by the provisions of Indian Arbitration and Conciliation Act, 1996.

11.3 Notwithstanding anything contained herein above, in case of any dispute, claim and legal action arising out of this RFP, the parties shall be subject to the jurisdiction of courts at Moradabad, Uttar Pradesh, India only.

12 NOTICES

12.1 Any notice, invoice, approval, advice, report or any other communication required to be given under this Agreement shall be in writing and may be given by delivering the same by hand or sending the same by prepaid registered mail, facsimile to the relevant address set forth in Schedule F hereof or such other address as each Party may notify in writing to the other Party from time to time. Any such notice given as aforesaid shall be deemed to be served or

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received at the time upon delivery (if delivered by hand) or upon actual receipt (if given by facsimile) or fifteen (15) clear days after posting (if the addressee is outside the country of posting).

13 MISCELLANEOUS

13.1 Any provision of this Agreement may be amended or waived, if, and only if such amendment or waiver is in writing and signed, in the case of an amendment by each party, or in this case of a waiver, by the Party against whom the waiver is to be effective.

13.2 No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any other right, power of privilege. The rights and remedies herein provided shall be cumulative and not exclusive of any rights or remedies provided by law.

13.3 Neither this agreement nor any provision hereof is intended to confer upon any person/s other than the Parties to this Agreement any rights or remedies hereunder.

13.4 SP shall execute and deliver such additional documents and perform such additional actions, as may be necessary, appropriate or reasonably requested to carry out or evidence the transactions contemplated hereby.

13.5 In case of any change in applicable laws in India that has an effect on the terms of this Agreement, the parties agree that the Agreement may be reviewed, and if deemed necessary by the Parties, renegotiated in good faith.

13.6 The captions herein are included for convenience of reference only and shall be ignored in the construction or interpretation thereof.

13.7 If this Agreement is signed in counterparts, each counterpart shall be deemed to be an original.

13.8 SP shall not assign or transfer all or any of its rights, benefits or obligations under this Agreement without the approval of Bank. Bank may, at any time, assign or transfer all or any of its rights, benefits and obligations under this Agreement.

13.9 SP agrees that they shall not use the logo, trademark, copy rights of other proprietary rights of the bank in any advertisement or publicity

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materials or any other written communication with any other party, without the prior written consent of the Bank.

13.10 This Agreement shall not be construed as joint venture. Each party shall be responsible for all its obligations towards its respective employees. No employee of any of the two parties shall claim to be employee of other party.

13.11 SP agrees that in carrying out the outsourcing activities for the bank, they are only an independent contractor and shall control and direct the performance of their staffs, officers, agents, representatives, BCA etc deployed by them subject to the rights of the bank specified herein. Nothing in this agreement shall imply a relationship of employment between the bank and the BC, their staffs, officers, agents, representatives, BCA etc.

13.12 SP shall preserve documents and data in accordance with the legal/regulatory obligations of the bank.

13.13 SP shall regularly assess the service provided by them/BCA and notify the bank on finding if any that may affect the performance of SP and Bank. Further any change in the BCAs due to termination or any other reasons shall be communicated by SP to the Bank immediately.

13.14 The Schedules, Appendix/Annexure mentioned in this agreement shall form part of agreement and shall be enforceable like other parts of the agreement.

13.15 If any part, or provision of this Agreement not being of a fundamental in nature, is held illegal or unenforceable, the validity or enforceability of the remainder of the Agreement shall not be affected, if such part, term or provision of the Agreement is severable from the rest of the Agreement without altering the essence of the Agreement. If such part, term or provision is not severable, then the whole of the Agreement shall stand terminated, unless the parties thereupon negotiate in good faith in order to agree to the terms of a mutually satisfactory provision, achieving as nearly as possible the same effect, to be substituted for the provision so found to be invalid, illegal or unenforceable.

13.16 The Bank shall have the right for renegotiation regarding any service provided by the SP or any clause or whole of the Agreement and to intervene with appropriate measures to meet its legal and regulatory obligations.

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13.17 The terms and conditions set forth herein can be modified by mutual consent of the parties in writing.

13.18 The SP or BCA should not hire any of the existing/ex/retired employee of the Bank during the contract period or after the closure/ termination of the contract even on their seeking employment, and such employment if any shall be governed by the policies of the Bank.

14 FORCE MAJEURE

14.1 The Service Provider or the Bank shall not be liable for default or non-performance of the obligations under the contract, if such default or non-performance of the obligations under this contract is caused by any reason or circumstances or occurrences beyond the control of the Service Provider or the bank, i.e. Force Majeure. For the purpose of this clause, “Force Majeure” shall mean an event beyond the control of the parties, due to or as a result of or caused by act of God, wars, insurrections, riots, earth quake and fire, revolutions, floods, epidemics, quarantine restrictions, trade embargos, declared general strikes in relevant industries, satellite failure, act of Govt. of India, events not foreseeable but does not include any fault or negligence or carelessness on the part of the parties, resulting in such a situation. In the event of any such intervening Force Majeure, either party shall notify the other in writing of such circumstances or the cause thereof immediately within five calendar days. Unless otherwise directed by the Bank, the Service Provider shall continue to perform/render/discharge other obligations as far as they can reasonably be attended/fulfilled and shall seek all reasonable alternative means for performance affected by the Event of Force Majeure.

In such a case, the time for performance shall be extended by a period(s) not less than the duration of such delay. If the duration of delay continues beyond a period of 180 days, the Bank and the Service Provider shall hold consultations with each other in an endeavor to find a solution to the problem. Notwithstanding above, the decision of the Bank shall be final and binding on the Service Provider.

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SCHEDULE `A’ Details of specific Services & Products to be rendered by BCA

As per Annexure-I of the RFP

SCHEDULE `B’

Number of Habitations under Sub-Service Area and Wards under

Urban Clusters to be covered by the Service Provider

As per Annexure-X of the RFP

SCHEDULE `C’

ELIGIBLE ENTITIES AND GENERAL GUIDELINES

As per Annexure- V of the RFP

SCHEDULE 'D'

TECHNOLOGY SERVICES

As per Annexure-I and Annexure-II of the RFP

SCHEDULE `E’

FEE PAYABLE TO SERVICE PROVIDER

A. FIXED CHARGES (As per Annexure-III)

B. VARIABLE CHARGES (As per Annexure - IV)

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SCHEDULE `F’

Address for communication to be stated under Schedule ‘F’

The General Manager <Name of the Service Provider> Prathama Bank _______________________ Head Office _______________________ Prathama Bhawan _______________________ Ramganga Vihar, Phase-2 _______________________

Moradabad (UP)-244001

IN WITNESS WHEREOF, the Parties hereto have executed this

Agreement the day and year first hereinabove written.

For Prathama Bank For<Name of the Service Provider>

Witness Witness

1. 2.

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ANNEXURE-XV

RULES FOR REVERSE AUCTION

Sl.No. Particulars Details

1.

Buyer Name

Prathama Bank

Head Office: Prathama Bhawan,

Ramganga Vihar, Phase - 2

Moradabad - 244001

2.

Auction to be

conducted by Service

Provider

(Yet to be selected /

we may be suggested

to go through the

above Service

provider)

Name: M/s e-Procurement Technologies Ltd.

Ahmedabad HO Address:

A-201, Wall Street – 2, Ellisbridge,

Ahmedabad – 380 006

Phone:

079 41072510 /515 /513 /518 /519

3.

Website address for

Online Sealed Bid/

Reverse Auction

Date of Auction

Auction Date : Will be Intimated

Online Initial Sealed Bid Time:

Online Reverse Auction Time:

(With extension as applicable)

4.

Documents attached

Rules and Terms & Conditions of Reverse Auction :

Compliance Statement (Annexure K-1)

Price Bid Confirmation (Annexure K-2)

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Online Sealed Bid:

Bank desires to make use of e-procurement process for selection of TSP cum Corporate

BC.

Online sealed bid is to be conducted from the technically responsive bidders to get the

indicative price to the Bank during the online sealed as per price schedule of RFP.

Participating bidders should have a valid digital certificate to participate in online sealed

bid. Basing on the indicative commercial quotes submitted by technically responsive

bidders and also market enquiries; start price will be fixed for conducting the Reverse

Auction. Decremental value and its multiples are also fixed and communicated.

Online Reverse Auction

Reverse Auction event will be carried out among the Technically Responsive

Bidders, for providing opportunity to the Bidders to quote the price dynamically for the

procurement for which RFP is floated and also to get the most competitive price.

PROCESS OF REVERSE AUCTION :

a) Bank had engaged the services of Service Provider through RFP process for

conducting Online Reverse Auction on behalf of the Bank.

b) The Bank had issued a Purchase Order on the Service Provider, clearly detailing

the roles and responsibilities of the Service Provider who hosts the web portal and

conducts the online sealed Bid and Reverse Auction.

c) For the proposed reverse auction, technically responsive bidders having a valid

digital certificate alone shall be eligible to participate.

d) Details like event date and time, start price, bid decrement, extensions etc., will be

communicated to the participating Bidder.

e) For creating necessary obligations and rights, the Service Provider will also enter

into an agreement with each eligible Bidder for this purpose, if required.

f) The Service Provider will provide all necessary training and assistance

where ever required before commencement of online bidding (sealed bid/reverse

auction) on Internet. Service Provider/ auctioneer is responsible for conducting

training to all technically responsive bidders participating in the reverse auction and

bidding process. Bidder may contact the Service Provider in this regard for any

clarifications.

g) Wherever it is considered necessary and asked by the Bidders or as decided by the

service provider or by Bank, a mock auction may also be conducted for the benefit

of all concerned.

h) Each Bidder shall participate in the training/ mock reverse auction at his / their own

cost.

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i) Bidder / Authorised representatives of the Bidders named in the authorization letter

given by the Bidder shall be given with a unique user name, password by the

Service Provider / auctioneer. Each Bidder / Authorised representatives shall

change the password after receipt of initial password from Service Provider.

j) Reverse auction will be conducted on schedule date & time and the same shall be

communicated in advance.

k) Bidders have to submit the compliance form in the prescribed format, if any,

provided by Service Provider before start of Reverse auction. Without this the Bidder

will not be eligible to participate in the event.

l) Bidder is required to give their indicative price to the Bank during the online sealed

bid, if required by the Bank. Timings of the online sealed bid will be intimated by the

Bank in advance.

m) Start price and decremented value for conducting the Reverse Auction will be

notified by the Bank.

n) All the bids made from the login ID given to Bidder will be deemed to have been

made by the Bidder to whom the login ID and password were assigned by the

Service Provider / auctioneer.

o) Any bid once made through registered Login ID & password by the Bidder cannot be

cancelled. The Bidder, in other words, is bound to supply the items as per the RFP/

for which reverse auction was conducted at the bid price offered during the Reverse

Auction.

p) Every successive bid by the Bidder being decremental bidding shall replace the

earlier bid automatically and the final bid as per the time and login ID shall prevail

over the earlier bids.

q) The Bank shall conduct the reverse auction as per the Standard English reverse

auction, that is, no two bids can have identical price from two different Bidders. In

other words, there shall never be a “Tie” in bids.

r) The time limit for online Reverse Auction is half an hour to two hours excluding

further extensions. Bank can fix 5 to 10 further extensions at 10 minutes each

depending upon the size of the project.

s) Reverse auction may be conducted either on entire line items as per the price

schedule of RFP or on single total evaluated cost. At the end of reverse auction

event, the lowest Bidder value will be known on the network and have to submit the

detailed price schedule as per RFP.

t) The lowest Bidder has to fax the duly signed filled-in prescribed format along with

break-up as provided on case-to-case basis to the Bank within 24 hours of

auction without fail.

u) Any variation between the online Bid value and the signed document will be liable

for rejection of the Bid, forfeiture of the Bid Security etc., and the Bidder may be

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disqualified to conduct business with the Bank in future.

v) The reverse auction will be treated as closed only when the bidding process gets closed in all respects for the item listed in the tender.

w) The Service Provider at the end of each Reverse Auction shall provide the Bank with all details of the bids and reports of Reverse Auction.

x) Bank's decision on award of Contract shall be final and binding on all the Bidders.

Rules and Terms & Conditions of Reverse Auction

Online Reverse Auctions are carried out under the framework of a set of business

rules. Following are the ‘Rules and Terms & Conditions’ of Online Reverse Auction.

1. Definition :

“Bank” means Prathama Bank

“Service Provider” means the third party agency / company who have been selected by the Bank for conducting online sealed bid/Reverse Auction through RFP process.

“Bidder” means the party or his authorised representative who has participated in the RFP / Tender Process, Technically qualified, having valid Digital Certificate, and willing to comply with all the instructions and terms and conditions of RFP.

“L1” means Bidder who is quotes lowest during the online reverse auction.

2. Eligibility of Bidders to participate in Online sealed bid/Reverse Auction:

2.1. Bidders who are technically responsive in terms of the relative Terms &

Conditions (Eligibility criteria/Technical specifications) of the RFP and accept

the Business Rules of Reversion Auction and submit the undertaking as per

the prescribed format in ANNEXURE-K-1 can only participate in Reverse

Auction related to the procurement for which RFP is floated.

2.2. Bidders not submitting the above undertaking or submitting the same with

deviations / amendments thereto will be disqualified from further evaluation /

participation in the process of relevant procurement.

2.3. Bidders should ensure that they have valid digital certificate well in advance

to participate in the Reverse Auction. Bank and / or Service Provider will not

be responsible in case Bidder could not participate in Reverse Auction due

to non availability of valid Digital Certificate.

2.4. Bidders participating in Reverse Auction shall submit the following duly signed

by the same Competent Authority who signs the offer documents in response to

the RFP floated by Bank.

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2.4.1. Undertaking letter for acceptance of Rules for Online Reverse Auction and

Letter of Authority authorizing the name/s of official/s to take part in Reverse

Auction as per the format Annexure K-1 (Compliance Statement)

2.4.2. Agreement between Service Provider and Bidder, if any. This format will be

given by the service provider prior to announcement of Reverse Auction.

3. Training:

3.1. The Service Provider shall impart training on the Reverse Auction to

representatives of all technically responsive bidders as provided by CO:DIT for

participation in Reverse Auction.

3.2. All rules & procedure related to Reverse Auction will be explained during the

training.

3.3. The Bank/Service Provider may also conduct a “Mock Reverse Auction” to

familiarise the Bidder/s with Reverse Auction process.

3.4. Date, Time, Venue etc of training will be advised at appropriate time by the

service provider.

3.5. Technically responsive bidder / his authorized representative have to attend the

training, if required to the participating bidders, as per the schedule and at the

specified venue at his / Bidder’s own cost.

3.6. No request from the Bidders for change in training schedule and/or venue will be

entertained.

3.7. However, Bank reserves the right to postpone / change / cancel the training

schedule for whatsoever reasons without assigning any reasons there for, even

after its communication to eligible Bidders.

3.8. Any Bidder not participating in the training process, will do so at his own risk and

it shall not be open for him to make any complaint / grievance later.

4. Reverse Auction Schedule:

4.1. The date & time of commencement of Reverse Auction and its duration of time

shall be communicated to the eligible and technically responsive Bidders at least

one or two days prior to the Reverse Auction Date.

4.2. Bank reserves the right to postpone / change / cancel the Reverse Auction event

even after its communication to Bidders without assigning any reasons there for.

4.3. Reverse Auction initial period will normally be for one hour.

i. If further extensions are there after the initial reverse auction period and If a Bidder places a bid price in last 10 minutes of closing of the Reverse auction, the auction period shall get extended automatically for another 10 minutes. In

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case there is no bid price in the last 10 minutes of closing of Reverse Auction, the auction shall get closed automatically without any extension.

ii. If further extensions are not there, auction shall get closed automatically within the specified initial period.

4.4. The initial time period of Reverse Auction and Maximum number of its extensions

and its time, decremental value and details of multiples of decremental value are

subject to change and will be advised to technically responsive bidders before

the start of the Reverse Auction event.

4.5. During English Reverse (no ties) Auction, if no bid is received within the specified

time, the Bank, at its discretion, may decide to revise Start price OR scrap the

reverse auction process OR proceed with conventional mode of tendering.

5. Bidding Currency:

Bidding will be conducted in Indian Rupees (INR).

6. Price Schedule: The Bidder, during the ‘Reverse-auction’, shall quote the Hardware

Prices as per the following format:

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 119 of 127

Price Schedule for selection of Technical Service Provider cum Corporate

Business Correspondent

(Amount in Rs.)

Indicative Commercial quote format

Sl.

no

Nature of

activity

Range BCA

charges

Service

provider

charges

Quantity for

evaluation

purpose

Total (Rs)

A B C D (A+B)*C

1 Financial

transactions

51 to 100

transactions

Rs. 3000 Quote to

be given

per

location

548 (locations)*60

(months)

2 Financial

transactions

>100

transactions

Rs. 2.50

per

transaction

Quote to

be given

per

transaction

100(transactions)

* 548(locations) *

60(months)

GRAND TOTAL xxxxxx

Notes:

a. If no price is quoted for any line item, it will be assumed that the bidder will supply those item at free of cost.

b. The Commercial offer shall be on a fixed price basis. c. The above quotes are exclusive of taxes. d. Sales Tax/ Service Tax / VAT, at actual, is payable extra. However both service

tax & VAT will not be paid on any item or component. e. The quantity mentioned in the RFP is indicative and the Bank reserves the right to

vary the quantity as per requirement f. L1 bidder has to submit detailed breakup of the quotes as per price schedule, in

addition to Annexure-K-2. g. All applicable taxes are payable extra at actual on submission of proof. h. The final quotes during reverse auction should be valid for 3 (Three) years from

the date of acceptance of purchase order by the L1 Bidder. i. All the technically responsive bidders should participate and quote for all items

including optional items during the Online Sealed Bid. j. Bank may conduct Reverse Auction for the Total Cost of ownership (TCO).

7.Start Price:

7.1 Bidder needs to give their indicative price to the Bank during the ONLINE

SEALEDBID. Timings of the online sealed bid will be intimated by the Bank in

advance.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 120 of 127

7.2 Bank shall determine the Start Price for Reverse Auction

a. On its own and / or b. Bank may determine the start price on the basis of the lowest quote

of indicative commercial bids received during ONLINE SEALED BID, or

c. on the basis of market enquiries about the rates at that time

7.3. Bank may conduct the Reverse Auction on a single amount i.e., grand totals of

all items including AMC as per price schedule of RFP. The Lowest Evaluated

bidder has to submit the detailed price schedule as per RFP.

8. Decremental Bid Value:

8.1. The bid decrement value and whether decremental value is in multiples-

Yes or No option, will be specified by Bank before the start of Reverse

Auction event. It can be a fixed amount or percentage of Start Price as per

Banks requirement.

8.2. Bidder is required to quote their bid price only at a specified decremented

value.

8.3. Bidder need not quote bid price at immediate next available lower level, but

it can be even at 2 / 3 / 4 ….level of next available lower level.

8.4. Bid decrement value shall be rounded off to nearest 100s or 1000s etc

9. Web Portal and Access:

9.1. Reverse Auction will be conducted on a specific web portal meant for this purpose

with the help of the Service Provider identified by the Bank.

9.2.Service Provider will make all necessary arrangement for fair and transparent

conduct of Reverse Auction like hosting the web portal, imparting training

to eligible Bidders etc., and finally conduct of Reverse Auction.

9.3. Bidders will be participating in Reverse Auction event from their own office /

place of their choice. Internet connectivity and other paraphernalia requirements

shall have to be ensured by Bidder themselves.

9.4.In the event of failure of Systems/Connectivity at the Bidders end (due to any

reason whatsoever it may be)

9.4.1. It is the Bidders responsibility/ decision to send fax communication

immediately to Service Provider furnishing the bid price, they want to bid

online, with a request to upload the faxed bid price online so that the

service provider will upload that price online on behalf of the Bidder.

9.4.2. It shall be noted clearly that the concerned Bidder communicating this

price to Service Provider has to solely ensure that the fax message is

received by Service Provider in a readable / legible form and also the

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 121 of 127

Bidder should simultaneously check up with Service Provider over phone

about the clear receipt of the bid price faxed.

9.4.3. It shall also be clearly understood that the Bidder shall be at liberty to

send such fax communications of prices to be uploaded by Service Provider

only before the closure of Reverse Auction time and under no

circumstances it shall be allowed beyond the closure of Reverse Auction

event time.

9.4.4. Such Bidders have to ensure that the Service Provider is given reasonable

time by the Bidders, to upload such faxed bid prices online and if such

required time is not available at the disposal of Service Provider at the

time of receipt of the fax message from the Bidders, Service Provider will

not be uploading the bid prices. It is to be noted that neither the Bank nor

the Service Provider will be responsible for these unforeseen

circumstances.

9.5. In order to ward-off such contingent situation

9.5.1. Bidders are advised to make all the necessary arrangements / alternatives

such as back-up power supply, whatever required so that they are able to

circumvent such situation and still be able to participate in the reverse

auction successfully.

9.5.2. Bidders are requested not to wait till the last moment to

quote their bids to avoid any such complex situations.

9.5.3. Failure of power at the premises of Bidders during the Reverse auction

cannot be the cause for not participating in the reverse auction.

9.5.4. On account of this the time for the auction cannot be extended and BANK

is not responsible for such eventualities.

9.5.5. Bank and / or Service Provider will not have any liability to Bidders for any

interruption or delay in access to web portal site of Reverse Auction

Irrespective of the cause.

9.6. For making the process of Reverse Auction and its result legally binding on the

participating Bidders, Service Provider will enter into an agreement with each

Bidder, before the start of Reverse Auction event. Without this Bidder will not be

eligible to participate in the event.

9.7. Neither Bank nor Service Provider / auctioneer can be held responsible for

consequential damages such as no power supply, system problem, internet

problem, inability to use the system, loss of electronic information, power

interruptions, UPS failure, etc. (Bank will not entertain any correspondence in

this regard). Bidder should make alternate arrangements in place of such

eventualities.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 122 of 127

TRANSPARENCY IN BIDS:

All participating bidders will be able to view during the auction time the current

lowest price in portal. Bidder shall be able to view not only the lowest bid but also

the last bid made by them at any point of time during the auction time.

11. MASKING OF NAMES:

11.1. Bidder will be able to view the following on their screen along with the

necessary fields in Reverse Auction :

i) Start (Opening) Price

ii)Leading / Lowest Bid Price in Auction (only total price)

iii) Last Bid Price placed by the respective Bidder.

11.2. Names of Bidder/s shall be anonymously masked in the Reverse Auction

process and Bidders will be given suitable dummy names.

11.3. After completion of Reverse Auction, the Service Provider/auctioneer shall

submit a report to the Bank with all details of bid and the original names of

all the participating bidders with his / their original names.

12. Finalization of the Successful Bidder:

12.1. At the end of Reverse Auction event Service Provider will provide all necessary details of the bid prices and reports of Reverse Auction to the Bank.

12.2. Upon receipt of above information from Service Provider, Bank will evaluate the same and will declare the L1, L2, L3 and L4 Bidder, if there is no further techno-commercial evaluation. Bank’s decision on award of Contract shall be final and binding on all the Bidders.

12.3. L1 Bidder or all bidders ( in case of further techno-commercial evaluation) have to fax the duly signed filled-in prescribed format (ANNEXURE-K-2) as provided to Bank within 24 hours of Reverse Auction without fail. The Original signed ANNEXURE-K-2 should reach the Bank within 48 hours of Reverse Auction without fail along with detailed price schedule as per RFP.

12.4. Any variation between the on-line Reverse Auction bid price and signed document will be considered as sabotaging the tender process and will invite disqualification of Bidder/vender to conduct business with Bank as per prevailing procedure.

12.5. Successful Bidder is bound to supply at their final bid price of Reverse Auction. In case of back out or fail to supply as per the rates quoted, Bank will take appropriate action against such Bidder and / or forfeit the Bid Security amount, debar him from participating in future

12.6. In case Bank decides not to go for Reverse Auction related to the procurement for which RFP is floated, Bank has discretion to call for sealed Commercial Bids from all the Technically responsive Bidders and the

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 123 of 127

commercial bids shall be opened as per Bank’s standard practice.

13. Bidder’s Obligation:

13.1. Bidder shall not involve himself or any of his representatives in Price

manipulation of any kind directly or indirectly with other suppliers / Bidders at

any point of time. If any such practice comes to the notice, Bank shall

disqualify the Bidder / bidders concerned from the reverse auction process.

13.2. Bidder shall not divulge either his Bid details or any other details of Bank to

any other party without written permission from the Bank.

14. Change in Rules and Terms & Conditions of Reverse Auction:

14.1. Any change in the Rules as may become emergent and based on the

experience gained shall be made only by a Committee consisting of

Senior Executives of Bank.

14.2. Bank reserves the right to modify / withdraw any of the Rules and Terms &

conditions of Reverse Auction at any point of time.

14.3. Modifications of Rules and Terms & conditions of Reverse Auction will be

made available on website immediately.

14.4. Modifications made during the running of Reverse Auction event will

be informed to participating Bidders immediately.

15. Errors and Omissions

On any issue or area of material concern respecting Reverse Auction not

specifically dealt with in these Rules, the decision of the bank shall be final and

binding on all concerned.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 124 of 127

ANNEXURE - K – 1

COMPLIANCE STATEMENT FOR REVERSE AUCTION

(To be submitted in Company’s letterhead by all the Bidders participating in Reverse Auction)

To Date:

The General Manager

Prathama Bank

Head Office, FI Department

Prathama Bhawan

Ramganga Vihar Phase-2

Moradabad (UP)- 244001

DECLARATION

1. We _____________________(name of the company) hereby confirm having submitted our bid for participating in Bank’s RFP Ref. No. _________dated _________ for __________.

2. We also confirm having read and understood the terms of RFP as well as the

Rules relating to the Reverse Auction for this RFP process.

3. We hereby undertake and agree to abide by all the terms and conditions stipulated

by Prathama Bank in the RFP document including the Rules for Reverse Auction,

all annexure, addendum, and corrigendum.

4. We shall participate in the on-line auction conducted by _______________ Ltd.

(Service Provider) and submit our Commercial bid. We shall agree to enter into an

agreement with the Service Provider for making the process of Reverse Auction

and its results legally binding on us.

5. Bank and Service Provider shall not be liable & responsible in any manner

whatsoever for our failure to access & bid in Reverse Auction due to loss of

internet connectivity, electricity failure, virus attack, problems with the PC,

any other unforeseen circumstances etc. before or during the auction event.

6. We understand that in the event we are not able to access the auction site, we

may authorize Service Provider to bid on our behalf by sending a fax containing

our offer price before the auction close time and no claim can be made by us on

either Bank or Service Provider regarding any loss etc. suffered by us due to

acting upon our authenticated fax instructions.

7. We do understand that Service Provider may bid on behalf of other Bidders as well in case of above mentioned exigencies.

8. We also confirm that we have a valid digital certificate issued by a valid Certifying Authority.

9. We shall fax the duly filled in signed Price Bid format as provided in the RFP to

the Bank and to the Service provider within 24 hours of end of online Reverse

Auction without fail.

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 125 of 127

10. We undertake to submit the Original confirmation of last bid price by us to the Bank

as well as to the Service provider within 48 working hours of the completion of

event. We also undertake to submit the Bill of Materials as per the Price Schedule

of this RFP.

11. We, hereby confirm that we will honour the Bids placed by us during the auction

process, failing which we shall forfeit the EMD. We also understand that the Bank

may debar us from participating in future tenders.

12. We undertake to supply at our final lowest bid price of Reverse Auction. In case of

back out or not supply as per the rates quoted by us, Bank is free to take

appropriate action against us and / or forfeit the Bid Security amount, debar us

from participating in future tenders.

13. We confirm having nominated Mr./Ms.________________, designated as ______________ of our company to participate in the Reverse Auction on behalf of the Company. His contact numbers Mobile: Tel: e-mail ID: and office address is as of the company address furnished here below.

14. We accordingly authorize Bank and / or the Service Provider to issue user ID

and password to the above named official of our Company.

15. Both Bank and the Service Provider shall contact the above named official for any

and all matters relating to the Reverse Auction showing any of the communication

modes mentioned in the item No. 13 above.

16. We undertake that the Company shall be bound by the bids made by the above named official of our Company in the Reverse Auction, failing which the Bank shall forfeit the EMD. We agree and understand that the Bank may debar us from participating in future tenders for any such failure on our part.

Signature of the Authorised Signatory with company seal

Name of the Authorised Signatory -

Company / Organization -

Designation within Company / Organization –

Address of Company / Organization –

Name of Authorised Representative: Mr. /Ms. ____________________

Designation of the Authorised Representative: ____________________

Signature of Authorised Representative: _________________________

Verified the above signature by:

Signature of the Authorised Signatory Company seal

Date: _________________

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 126 of 127

ANNEXURE - K – 2

PRICE BID CONFIRMATION

(To be submitted in Company’s letterhead by L1 Bidder

Participated in Reverse Auction along with detailed price schedule)

Date:

The General Manager

Prathama Bank

Head Office, FI Department

Prathama Bhawan

Ramganga Vihar Phase-2

Moradabad (UP)- 244001

Dear Sir,

SUB: Final / Lowest Bid Price quoted in Reverse Auction held on _____________in respect of RFP Ref. No. _______________________Dated ______

We confirm that the final total bid price quoted by us in the captioned Reverse Auction event for captioned tender is as under –

Rs. (in figure): ___________________________

Rs. (in words): ___________________________

and also submitting the detailed price schedule with item wise details.

We confirm that:-

We enclose herewith the detailed break-up of above price as per Bill of Material OR We undertake to submit the Original duly signed detailed break-up of above bid price as per Bill of Material of the subject RFP within 48 hours from the end-of Reverse Auction event.

Any variation between the on-line Reverse Auction bid price quoted by us and this document will be considered as sabotaging the tender process and will invite disqualification of Bidder/vender to conduct business with Bank as per prevailing procedure. In such case Bank is free to take appropriate action and / or forfeit the Bid Security amount and / or debar him from participating in future.

We are bound to supply at the above final bid price of Reverse Auction.

We note that in case of back out or not supply as per the above rates quoted by us, Bank will take appropriate action against us and / or forfeit our Bid Security amount and / or debar him from participating in future.

Signature of the Authorised Signatory with company seal

Name of the Authorised Signatory –

Company / Organization –

Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017

Page 127 of 127

Designation within Company / Organization –

Address of Company / Organization –

e-Mail id:

Mobile: Tel. No:

Fax No:

CC: Service Provider

M/s e-Procurement Technologies Ltd. (Proposed Service provider)

Ahmedabad HO Address: A-201, Wall Street-2, Ellisbridge, Ahmedabad- 380006

*****