Request for Proposal for Implementation of Central KYC ... · download single / bulk records by entering CKYC identifier and an authentication factor (viz. date of birth / date of

Sl.No. Page No. Clause Name Clause No. RFP Text Query Bank's Response

1 7 Invitation to Bid 1.7 The bidder shall quote the best competitive

price in the commercial bid as Bank may or may

not opt for Reverse Auction. In case Bank does

not opt for Reverse Auction, the commercial

bid submitted by the Bidder will be opened to

decide the L1 price.

Request bank to clarify the selection of L1

vendor process in advance in order to avoid

any ambiguity. Request bank to declare the

process of selecting L1 bidder by commercial

bid or reverse auction should be explicitly

mentioned.

As per RFP

2 12 3. RFP Objective: The bidder also has to implement CKYCR in

RRBs, its subsidiaries, NSDL and CDSL. The

Bidder should be an OEM, authorized partner,

System Integrator, having project team

members and support personnel competent

enough to install, configure, customize,

maintain, training and support the proposed

solution.

Request bank to provide the scope of work &

use case for NSDL & CDSL with the approx

data size which need to be migrated to the

solution.Will be Shared with

Sucessful bidder.

3 14 4.2. Search and Download

of KYC record

b) The proposed solution should be capable to

download single / bulk records by entering

CKYC identifier and an authentication factor

(viz. date of birth / date of incorporation).

Request bank to clarify the scope for KYC

towards non individuals clients as of there in

no provision in CERSAI for the same.As per RFP and CERSAI

Guidelines

4 14 4.3. Update of KYC record d) The Proposed solution should be capable to

give SMS/email alert to

respective customer whose notification comes

to the branch. It should have

a workflow and all interaction with

www.ckycindia.in or the CKYCR system

should happen through secure FTP and SSL.

Request bank to clarify the scope of

providing SSL certificate is with Bidder or

bank would provide the same as needed.

Bank will provide the SSL

Certificate

5 17 10.Bid Prices 5 However, during the contract period if the

market price of product / services has been on

the lower side, the benefit will have to be

passed on to the Bank.

Request bank to remove this clause.

As per RFP

6 18 12. Timeline and Penalty

for delay in project

implementation

2 Penalty will be applicable for late delivery of the

customized software. 1% of the order value will

be deducted as penalty per week for failure to

achieve the milestones as indicated below;

maximum penalty would be 10% of the order

value.

Request bank to reduce the penatly as its

very stringent on the bidder`s part.

As per RFP



implementation

4.1 Phase of the Project:

Delivery of solution along with

Software Licenses

Duration /Schedule:

2 weeks from date of

Purchase order (PO)

Request bank to consider" Phase of the

Project:

Delivery of solution along with

Software Licenses

Duration /Schedule:


Purchase order (PO)"

As per RFP

Request for Proposal for Implementation of Central KYC Registry Solution(CKYCR) RFP ref :BOI/HO/IT/CKYCR/1029 dated 04.10.2019

All interested bidders are hereby informed that the following changes / clarifications to be taken into account for Bid submission. This clarification / changes document duly signed by

authorised official of the Bidder to be submitted alongwith the Bid. Please note & comply accordingly. All other terms & conditions of the Bid remains unchanged. This changes /

clarifications are full & final and further queries will not be entertained by the Bank.

RFP - Implementation of Central KYC Registry Solution(CKYCR) :Queries received from Bidders -OUR REPLY/ CLARIFICATION / CHANGES TO RFP AS PER PRE BID MEETING ON

08/11/2019



implementation


System Configuration, Installation,

Customizations, integration with

Bank’s applications and porting on

Production environment

Duration /Schedule:


delivery of solution/ 4

weeks from date of

acceptance of PO

Request bank to consider" Phase of the

Project:

System Configuration, Installation,

Customizations, integration with

Bank’s applications and porting on

Production environment

Duration /Schedule:


delivery of solution/ 7

weeks from date of

acceptance of PO"

As per RFP



implementation


Use Acceptance Test (UAT)

Duration /Schedule:

6 weeks from the date of

acceptance of PO

Request bank to consider " Phase of the

Project:

Use Acceptance Test (UAT)

Duration /Schedule:


acceptance of PO

As per RFP



implementation


Pilot implementation

Duration /Schedule:


acceptance of PO

Request bank to consider, " Phase of the

Project:

Pilot implementation

Duration /Schedule:


acceptance of PO"

As per RFP



implementation


Go Live in all the zones.

Duration /Schedule:


acceptance of PO

Request bank to consider, " Phase of the

Project:

Go Live in all the zones.

Duration /Schedule:


acceptance of PO".

As per RFP



implementation

6 In case of pendency with regard to this activity,

a penalty of Rs.500/- or penalty imposed by

CKYC whichever is higher for each application,

will be levied and recovered from the amount

payable to the SI/Bidder.

Request bank to remove or reduce the

penalty for the mentioned point

As per RFP



implementation

8 The average account opened per day will be

around 25000 (approx.). The documents

pertaining to the accounts (Proof of Identity

and Proof of Address) will be uploaded to the

proposed solution. There are around 2 crores

legacy accounts for the period from

01/01/2017 to 30/06/2019.

Request bank to provide the clarity on

whether bank will provide the required

hardware as per the mentioned hardware

sizing,

Bank will provide the

hardware as per the

hardware sizing provided

by the vendor in bid.



implementation

9 Performance: Bidder/SI has to ensure proper

sizing of hardware based on the volume

provided on this RFP and in no case it should be

undersized or oversized. Sizing of the hardware

has to be done in such a way that the average

daily (8 am to 8 pm) CPU and Memory

utilization does not exceed 70%. In case it

exceeds, an amount of Rs.2,000/- for each such

occasion would be levied as penalty.

Request bank to remove or reduce the

penalty for the mentioned point

As per RFP

15 19 13. Penalties a) Penalty

due to

Absence of

Onsite

Engineer

i) During the Implementation period:

In the absence of the engineer, suitable

replacement is to be provided on immediate

basis. In case of absence of absolute absence

(when no replacement is provided), penalty

would be deducted @1% of the

Implementation Cost, for each day, up to a

maximum of 10%.

Request bank to reduce the penalty for the

mentioned point as the penalties mentioned

are very stringent on part of bidder.

As per RFP


due to

Absence of

Onsite

Engineer

ii) If Bank avails Onsite Technical support:



basis. In case of absolute absence (when no

replacement is provided), penalty would be

deducted @1% of the ATS Cost(payable

quarterly), for each day, up to a maximum of

10%.

Request bank to provide the no. of onsite

support resources required for the

application proposed with details of no. of

resources required per shift & no. of Shits

required.Also request bank to reduce the

penalty for the mentioned point as the

penalties mentioned are very stringent on

part of bidder.

Will be Shared with

Sucessful bidder.


due to

Absence of

Onsite

Engineer

iii) For Facility Management Services:

In absence of the required number of

manpower as per the Purchase

order, Rs.300/- will be deducted for the

absence of per engineer per day.

Maximum penalty in this case will be 10% of

the FMS cost.

Request bank to provide the no. of Facility

Management resources required for the

application proposed with details of no. of

resources required per shift & no. of Shits

required. Also request bank to reduce the

penalty for the mentioned point as the

penalties mentioned are very stringent on

part of bidder.

Will be Shared with

Sucessful bidder.

18 20 13. Penalties b) Penalty

Due to

downtime

The Bank expects an uptime of 99.5% for the

complete solution on monthly basis. In case the

uptime is not maintained with the uptime as

stipulated, Bank shall charge the penalties as

under:



are very stringent on part of bidder. As per RFP

19 20 15. Location to be covered: The application being procured will be installed

at Data Center in Mumbai and Disaster

Recovery (DR) Site, Bengaluru. Application

should be installed separately for RRBs, NSDL,

CDSL. However, the Bank reserves the right to

change locations/add new locations as per

Bank’s requirement. Web based applications

should be available at the branches of Bank of

India and its sponsored RRBs and other

locations as mentioned in this RFP.

Request bank to provide the DC & DR adress

for the implementation of RRB`s,NSDL, CDSL

Will be Shared with

Sucessful bidder.

20 22 16. Training d) Bidder should provide eLearning module which

can be integrated with Banks’ eLearning

module.

Request bank to provide the scope for

elarning solution, As bank is aware elearning

is the vast soution request bank to freeze the

scope & provide the row for quoting the

same in commercials.

Will be Shared with

Sucessful bidder.

21 23 18. Disaster Recovery – DR The servers in the DR site will be of same

configuration as that of the production and it

should be able to support 100% of the load, of

the production CKYC system. Also it should be

able to work in the High availability mode.

Request bank to clarify whether bank will

provide the load balancer or any other

middleware required for HA.As per RFP

22 25 20. Technical Bid (TB): 3. 13) Insolvency Report from bank Request bank to clarify the mentioned point

& also provide the format from the same.Insolvency Report should

be obtained from the bank

where the bidder has their

accounts.

23 29 29. Software Licensing In case of any license issue, vendor has to

provide alternate license without any extra cost

to the Bank

Request bank to provide the clarity on the

mentioned point. As per RFP

24 33 41. No Price Variations: Prices quoted by the Bidder shall be fixed

during the Bidder’s performance of the

Contract and shall not be subject to variation

on any account, including exchange rate

fluctuations, changes in taxes, duties, levies,

charges etc. A Bid submitted with an adjustable

price quotation will be treated as

nonresponsive and will be rejected.

Any customization after Go live will be

charged

As per RFP

25 36 3. Commercial Bids: a) Thereafter the Bank reserves the right of

selection of Vendor either by Opening of

Commercial Bids of vendors (who are found

eligible after evaluation of Technical Bids) or

proceed with the selection of Vendor through

On Line Reverse Auction.

Request bank to clarify the selection of L1

vendor process in advance in order to avoid

any ambiguity. Request bank to declare the

process of selecting L1 bidder by commercial

bid or reverse auction should be explicitly

mentioned.

As per RFP

26 37 47. Capability of the Software The solution should be capable/ scalable to

take care of future requirement and to align

with other business processes linked with loan

processing, Trade Finance etc.

request bank to clarify the scope for the

mentioned point & any future efforts at the

bidder part would be at the mutually agreed

commercials.

As per RFP

27 37 47. Capability of the Software The software should also be capable of

accepting data from other applications for

uploading the same as metadata in Workflow

so that manual data entry job is minimized.

request bank to clarify the scope for the

mentioned point & any future efforts aat the

bidder part would be at the mutually aagreed

commercials.

As per RFP

28 39 52. Delivery and Documents: Bank is having Enterprise License agreement

with Microsoft. Bank reserves the right to

provide the following if the same is offered by

the Bidder as part of the Deliverables. However,

Bidder has to quote in the Commercial Bid for

such deliverables. It will be taken into

consideration while computing the total Bid

Version 2012,2016

Request bank to consider directly procuring

from the vendors for any hardware and

softwares such as OS, DB etc as bank will be

having rate contract with the respective

OEM`s.As per RFP

29 40 52. Delivery and Documents: While IPR for base software will be with the

OEM, bank will enter into an Escrow

arrangement for customized version.

Request bank to consider paying the cost to

ESCROW arrangementBank will pay the ESCROW

arrangement cost

30 40 53. Payment Terms: Milestone:

On Successful installation and customization of

the solution, UAT signoff and training.

Payment:

35%

Request bank to consider,"Milestone:

On Successful installation and customization

of the solution, UAT signoff and training.

Payment:

40%"

As per RFP

31 53. Payment Terms: Milestone:

Upon completion of Pilot Phase

Payment:

15%

Request bank to consider,"Milestone:

Upon completion of Pilot Phase

Payment:

20%"

As per RFP

32 40 53. Payment Terms: Milestone:

After 2 months of Successful Go live in all zones

Payment:

35%

Request bank to consider,"' After 2 months

of Successful Go live in all zones

Payment:

40%"

As per RFP

33 45 56. Liquidated Damages: 32.2.d) Part of week will be considered as full week. Request bank to remove the mentioned

clauseAs per RFP

34 45 56. Liquidated Damages: 32.2.g) A penalty of Rs.2000/- per day will be levied for

every downtime exceeding 4 hours due to

software error



are very stringent on part of bidder.As per RFP

35 47 59. Warranty: Software Where the Bank is having License agreement

with any OEM for supply of RDBMS/OS license

the following shall be applicable:





OEM`s.

As per RFP

36 48 59. Warranty: 1 Bidder has to quote the price in Commercial Bid

which shall be taken into consideration for

arriving at L1 vendor.





OEM`s.

As per RFP

37 48 59. Warranty: 2 The Bank reserves the right to procure the

license directly from the OEM.





OEM`s.

As per RFP

38 48 59. Warranty: For Middleware/DB component, OEM/SI

should provide same level of support as for the

software/application including patch/bug

fix/Telephonic chats etc

Request bank to provide more clairty on the

mentioned point.As per RFP

39 48 60. Delivery Period: The required software is to be delivered within

2 weeks from the date of the acceptance of

purchase order. The Installation and

Commissioning of the application, if any shall

be completed within 2 weeks from the date of

delivery. For any delay in delivery, installation

and commissioning beyond 2+2 weeks from the

date of Purchase Order issued by the Bank, the

Bank reserves the right to charge Liquidated

Damages at the rate defined above.

Request bank to consider the implemntation

time line of atleast 20 weeks from the date of

PO.

As per RFP

40 48 61. System Maintenance Standard:1 The bidder / Bidder has to ensure on-site/off-

site support (without any extra cost) for

resolving all software related issues, including

re-installation of Software and other

applications supplied or configured for the

proposed solution under this RFP, due to any

reason what-so-ever, during warranty and ATS

period (or such other extended period as per

the contract terms and paid maintenance will

commence only thereafter).

Request bank to provide the no. of onsite

support & facility management resources

required for the application proposed with

details of no. of resources required per shift

& no. of Shits required.Will be Shared with

Sucessful bidder.

41 55 77.

Installation/Commissioning

of Hardware/Software:

The bidder/SI is responsible for all unpacking

and installation of Products. The bidder/SI will

test all hardware/system operations and

accomplish all adjustments necessary for

successful and continuous operation of the

hardware/software at all installation sites.

Request bank to provide the clarity on the

mentioned point

As per RFP

42 67 Pre-Eligibility Criteria 6 The Bidder should have experience of already

successfully implementing the proposed CKYCR

Solution in at least 2 Scheduled Commercial

Bank/RRB in India out of which 1

implementation should be working for atleast 6

months with integration in Finacle CBS.

Request bank to consider, "The Bidder

should have experience of already

successfully implementing the proposed

CKYCR Solution in at least 2 Scheduled

Commercial Bank/RRB in India out of which 1

implementation should be working for

atleast 6 months with integration in any

Industry standard CBS application like

FInacle/Bancs/Flexcube etc."

As per RFP

43 68 Pre-Eligibility Criteria 7 The Bidder should have direct support office at

Mumbai and Bangalore should be able to

provide support and maintenance for the

offered solution. Documentary proof (Office

registration details etc.) to be submitted along

with the bid.

Request bank to consider setting up support

office in Bangalore with in 3 months from

the PO provided by the bank to bidder.

As per RFP

44 13 Scope of work 4

Also the solution should have the capability to

import the scanned documents from Document

Management system to the software or export

the scanned documents from the software to

Document Management System with a proper

reference.

What will the mode of integration with DMS?Will be Shared with

Sucessful bidder.

45 13 Scope of work 4

The accounts are opened through CBS (Finacle)

and the respective details also will be updated

in Finacle. The proposed solution should

download the account details automatically

from Finacle via SFTP or through any other

mode (any other secured mode if available).

What will be the mode of integration with

CBS? What are the other means possible?

Who will host the SFTP?

Will be Shared with

Sucessful bidder.

46 14 4.1, upload of KYC Record b For an individual record, the signature and

photograph should be cropped separately and

uploaded.

Who will perform this activity of cropping? Cropping should be done

from the application itself



uploaded.

If vendor is expcted to do, how will scanned

images come to vendor? Please confirm

Cropping should be done




uploaded.

Is it onsite or vendor premises? Kindly

confirm

Cropping should be done


49 18 Timeline and Penalty for

delay in project

implementation

2 Penalty will be applicable for late delivery of the

customized software. 1% of the order value will

be deducted as penalty per week for failure to

achieve the milestones as indicated below;

maximum penalty would be 10% of the order

value.

We request bank to reduce the penalty

0.01% to maximum cap of 1%.As per RFP


delay in project

implementation

4, Delivery of

solution

along with

Software

Licenses

2 weeks from date of Purchase order (PO)

We request bank increase the duration

delivery timeline from 2 weeks to 4 weeksAs per RFP


delay in project

implementation

6 In case of pendency with regard to this activity,





We request bank to reduce the penalty from

Rs.500 to Rs. 100 As per RFP

52 25 20, Technical Bid (TB) 13 Insolvency Report from BankRequest bank to kindly clarify on what they

mean by insolvency report from Bank and

from which bank are we suppose to get this

report?

Insolvency Report should



accounts.

53 25 20, Technical Bid (TB) 13 Insolvency Report from Bank

Should this report be from the Banks where

our solution is currently implemented. Kindly

confirm.




accounts.

54 36 3. Commercial Bids:

a

The Technical Bids will be evaluated as per

eligibility criteria. Thereafter the Bank reserves

the right of selection of Vendor either by

Opening of Commercial Bids of vendors (who

are found eligible after evaluation of Technical

Bids) or proceed with the selection of Vendor

through On Line Reverse Auction.

On what are all condition bank will go for

reverse auction or Vise versaAs per RFP

55 38 48. Commercial Evaluation

Process through Reverse

Auction3

Bidders should note that the indicative

commercial bid is considered for the purpose of

conducting ‘Reverse auction process only. The L-

1 Bidder will be decided only later, on

finalization of prices through Reverse auction.

Our understanding is that, L1 will be decided

based on Reverse auction only & not based

on Indicative bid quoted by bidder as per

Annexure L

As per RFP

56 40 Payment Terms

1On Successful installation and customization of

the solution, UAT signoff and training (35%).

Is 35% will be calculated on TCO or T1. Please

confirm

35% will be calculated as

per the Purchase Order

issued.

57 82 Facility Management

Table T2, Facility Managementwhat will be the payment terms for T2.

Kindly confirm

Facility Managemnet Cost

will be made quarterly in

arrears upon submission of

physical invoice

58 67 Eligibility Criteria

6

The Bidder should have experience of already






As per eligibility criteria solution has to

beimplemented at 2 scheduled commercial

bank out of which one is working for atleast

6 month.

Whereas in Annexure Y (Page no 119, point

no 1), it is mentioned software should have

been implemented in at least 2 schedule

commercial bank.

Hence we request bank to relax this clause to

considered one installations should be live at

least for last 6 months

As per RFP

59 84 Annexure L - Terms &

Conditions:

Wherever Bank would like to avail the services

of manpower after first year, Bank shall

consider an increase of 4% in price every year.

Bidder should note that while quoting total

Price for Manpower for 5 years, it should be

inclusive of the aforementioned increase of 4%

Whether we need to include 4% cost

increase per year & quote or bank will pay

additional 4% on our quoted price; For E.g., If

we quote Rs.10,00,000 for Facility manger as

yearly cost per person, whether Bank will Pay

10 lac + 4 % for 2nd year as salary? Please

confirm! If not, please explain with

illustration

Provide the ATS cost

including the 4% increase

every year.

60 109 Functional Specification Annexure X Data capturing page of proposed solution given

for branch users should validate PAN and

Aadhaar number from NSDL and UIDAI sites

and same facilities to be available for other

OVDs in public domain as and when they

become available.

Bank has to share the API's for PAN and

Aadhaar validation.

Will be Shared with

Sucessful bidder.

61 110 Functional Specification Annexure X The proposed solution should be capable of

validating the Aadhaar by using banks existing

bio-metric device

Is bidder responsible to develop e-KYC

solution? Which device will be used for E-

KYC?

Bank is already having e-

kyc facility.Details will be

shared with the successful

bidder.



bio-metric device

Which device will be used for E-KYC?Will be Shared with

Sucessful bidder.

63 109 Functional Specification Annexure X

The proposed solution should be capable to

work on Virtual Cloud Model which supports

windows 2012 and above, RedHat Linux.

Is it public or private cloud?

Private Cloud


using existing scanners (Flatbed or ADF)

available at branches as per description of

CKYCR uploading requirement.

Please specify the make and model of

available scanners? Solution should support all

type of scanners.

65 116 Functional Specification Annexure X The Software application should integrate

previous data and history of previous vendor in

their system/application

Please elaborate on history of previous

vendor in Bidder's system/application.Will be Shared with

Sucessful bidder.

66 119 Bidders Capability/Marking

Methodology: Max Marks-

100

Annexure Y 10 Marks for PSU banks with Financle

integration

We request bank to relax this clause as, 10

Marks for PSU banks/ Scheduled

Commecials Banks with Financle integrationAs per RFP



100

Annexure Y Credentials on past exeperience……... in Finanle

CBS, 25 Marks

What needs to be done to score full 25

marks? Please confirmMax 25 marks based on

the reference documents

submitted with respect to

implementation



100


CBS, 25 Marks

Distribution of 25 marks is not clear. Please

clarify the sameMax 25 marks based on

the reference documents

submitted with respect to

implementation



100


CBS, 25 Marks

If we have 2 imlementaions in PSUs with

Finacle, how much marks we will be get.

Please confirmMax 25 marks

71

General Query

What is the number of existing branches and

what will be expected number of branch

with in the 5 years?

Already mentioned in the

RFP

72

General Query What will be expected number of users and

concurrent user with in the 5 years of time?

Will be Shared with

Sucessful bidder.

7413 Scope of Work 4 Legacy account

Kindly clarify the process for existing legacy

accounts

Will be Shared with

Sucessful bidder.

75

13 Scope of work

Bidders have to ensure that the proposed

solution should comply with the latest CKYCR

guidelines 2016 including amendments. Bidder

has to carry out customization changes in

software in case of regulatory requirements, in

future, at no extra cost to the Bank. The CKYCR

has to be implemented in Bank of India

branches, RRBs, its subsidiaries, NSDL, CDSL.

After Go Live any customization will be

charged. As per RFP

76

14 Update of KYC record 4.3

The Proposed solution should be capable to

give

SMS/email alert to respective customer whose

notification comes to the branch. It should have

a workflow and all interaction with

www.ckycindia.in or the CKYCR system should

happen through secure FTP and SSL.

Will Bank share the workflow? Will be Shared with

Sucessful bidder.

77

19

Timeline and Penalty for

delay in project

implementation

11

Performance: Bidder/SI has to ensure proper

sizing of hardware based on the volume

provided

on this RFP and in no case it should be

undersized or oversized. Sizing of the hardware

has to be

done in such a way that the average daily (8 am

to 8 pm) CPU and Memory utilization does not

exceed 70%. In case it exceeds, an amount of

Rs.5,000/- for each such occasion would be

levied as penalty

Request bank to remove this point as the

volume said by bank is conditional and it

depends on customer. If we

assume there is volume is unpredictable then

this clause will not work.

As per RFP

78

66 Annexure F 7

The Bidder should have direct support office at



offered

solution. Documentary proof (Office


with the bid.

We as a vendor have clients in Bangalore for

which we have support team and

developers as well. Right now we are

planning to move into

a better office from existing one. Request the

bank to kindly consider.

As per RFP

79

19 Penalties 12



basis. In case of absence of absolute absence

(when no replacement is provided), penalty

would be deducted @1% of the

Implementation Cost, for each day, up to a

maximum of 10%.

Revise fines and penalties As per RFP

80

19 Penalties 13a2



basis. In case of absolute absence (when no

replacement is provided), penalty would be

deducted @1% of the ATS Cost, for each day,

up to a maximum of 10%.

Request you to relax fines and penalties As per RFP

81

20 Penalties 13a3

In absence of the required number of

manpower as per the Purchase order, Rs.300/-

will be deducted for the absence of per

engineer per day. Maximum penalty in this case

will be 10% of the FMS cost.


82

Penalties 13b

Uptime Penalties- < 99.5% up to 99%- Rs 2000 <

99% up to 98%- Rs 5000 < 98% up to 97%- Rs

10000 < 97%- Rs 15000


8319 Penalties b)

The Bank expects an uptime of 99.5% for the

complete solution on monthly basis

Requesting the Bank to kindly consider

uptime % as 99.5 % uptime is too high As per RFP

8421 Training 15 (a)

Management of servers, storage, database and

security Vendor has no work in managing this point As per RFP

8521 Training 15 (c) Business Process Management

There is no scope of BPM in CKYCR process.

Kindly remove this clause Not mentioned in the RFP

87

21 Training 15 (c) Program coding Kindly clarify the following point with

locations and why vendor will share this. As per RFP

88

21 Training 15 (d) Lodging and Boarding at Training Centre for the

Trainer shall be provided by the Bank.

Requesting Bank to also bear travelling and

food cost for far away locations. As per RFP

89

39 Delivery and Documents: 51

Enterprise wide licenses of the solution – to

cover branches of Bank of India and its

sponsored RRBs.

RRB's will be provided access centrally. As per RFP

90

40 Delivery and Documents:

Any gaps identified during product

demonstration, functional requirements

specifications study, system testing, user

acceptance testing, business process re-

engineering and pilot implementation should

be

included by the bidder as implementation

efforts.

Bank will not pay the bidder any additional

charges for all such customizations. Bidder shall

take up all such amendments as required by the

Bank on a priority basis and shall inform the

Bank the timelines for completions

Any customization after Go live will be

charged As per RFP

91

77 Terms & Conditions Annexure-J




Bidder should note that while quoting total

Price for Manpower for 5 years, it should be

inclusive of the aforementioned increase of 4%

The increase will be decided by the vendor. As per RFP

92

80 Manufacturers’

Authorization Form (b)

Following such termination, furnishing at no

cost to the Bank, the blueprints, design

documents,

operations manuals, standards, source codes

and specifications of the Products, if requested.

If termination is done by bank Blueprints,

design documents and Source codes will not

be provided

AS per RFP

93

82 Terms & Conditions

Table T2:

Facility

Managemen

t

Six Months onsite experienced support

(Support personnel should be BE/MCA and 1

year experience in the CKYCR-software supplied

to the Bank.)

Kindly check with bank As per RFP

94

114 CKYCR Related

Requirements 58

The Successful bidder has to provide 24/7

online support to Bank and if required the

engineer has to visit Bank’s premises to resolve

the issue

Can the bank kindly consider revising the

criteria to 12*6 support as per the bank's

working hours

As per RFP

95

115 CKYCR Related

Requirements 68

During the contract period, if OEM of OS/DB

solution announces regarding the End of

Support the successful bidder has to migrate

the solution to the newer version of OS/DB

without additional cost to the Bank.

The migration will have costing per man

days. As per RFP

96

118 Annexure-Y (Bidders 3

Site Visit and Customer Feedback (This section

will be based on the visit by Bank Officials to

Reference site. Technical Committee

comprising of Bank Officials not exceeding 5

members will visit one of the reference sites

where the

proposed solution supplied by the PSP and

implemented by SI. The marks will be based on

the feedback received on the application,

implementation and maintenance during the

visit.)

We as a vendor have clients outside Mumbai

and if bank decides for onsite visit for the

same purpose the travelling cost will be

mutually shared.

As per RFP

97

29 Software Licensing 28

Bidder would be required to provide cost of

Enterprise wide (unlimited/unrestricted)

licenses for implementing end to end solution

as per the

requirement of the Bank with right to use the

software for any number of branches of the

Bank.. There shall not be any other restrictions

like number of installations, site, processors

etc.

There should not be any licensing restriction for

implementing it to all the branches or linked to

any of the business processes. Also the

licensing must include all licenses required for

high

availability, disaster recovery, distributed

deployment model as desired by Bank. Licenses

should be perpetual

The insurance shall be in an amount equal to

110 percent of the value of the Products from

“Warehouse to final destination” on “All Risks”

basis including Theft, War Risks and Strikes,

valid for a period not less than 3 months after

installation and commissioning and issue of

acceptance certificate by the Bank.

There shall not be any other restrictions like

number of installations, site, processors etc.

Kindly relax this point As per RFP

98

30 Insurance 31

The insurance shall be in an amount equal to

110 percent of the value of the Products from

“Warehouse to final destination” on “All Risks”

basis including Theft, War Risks and Strikes,

valid for a period not less than 3 months after

installation and commissioning and issue of

acceptance certificate by the Bank.

Request the bank to kindly remove the

clause. As per RFP

99


Enterprise wide licenses of the solution – to

cover branches of Bank of India and its

sponsored RRBs.

No of sites where the solution needs to be

installed. As per RFP

100


All copies should be delivered in hard & soft

media. Source code for customized application

and documentation of the CKYCR solution shall

be the property of the Bank from the start of

the contract period. Bank would guarantee that

it

would not use the source code for commercial

purposes and would be willing to sign suitable

legal documents in case the vendor/bidder so

desires.

Kindly confirm the Escrow cost will be bare

by the bank.

Bank will pay the ESCROW

arrangement cost

101

40 Payment Terms 521. On Successful installation and customization

of the solution, UAT signoff and training.

Request you to reconsider only on

installation and not on customization. As per RFP

102 40 Payment Terms 52 2. 15 %Upon completion of Pilot Phase 20% on UAT and Pilot Phase As per RFP

103

40 Payment Terms 523. After 2 months of Successful Go live in all

zones

As post go live the solution can be extended

to multiples branches. It will be on the

banks discretion on making

particulars zones live. In case of deal from

the Bank on getting a particular zone live

the payment for the solution should not be

holded

/delayed to the solution provided. Consider

40% on 2months of successful Go Live in all

zones

10% after 1 year from Go Live

As per RFP

104

40 Payment Terms 52

4. After a period of 1 year from Go live or

against furnishing a performance Bank

Guarantee of a

scheduled commercial Bank (other than Bank

of India) for the equal amount.

10% after 1 year from Go Live As per RFP

105

45 Liquidity Damages 56

If the Vendor fails to deliver any or all of the

Products or any customization or perform the

Services within the time period(s) specified in

the

Contract or subsequently in change request,

the Bank shall, without prejudice to its other

remedies under the Contract, and unless

otherwise extension of time is agreed upon

without the application of Liquidated Damages.

Customization of the solution shall be taken

up post mutual discussion and after

understanding the feasibility

of the same. If the same isn’t feasible in the

existing environment LD

As per RFP

106

47 Warranty 58

Warranty should not become void if Bank buys

any other supplemental software from a third

party and installs them with this software in the

application supplied under this RFP, if any.

However, the warranty will not apply to such

supplemental software items installed.

In case any 3rd party software will be

installed in the server without the

permission of the vendor the warranty shall

become void.

As per RFP

107

55Installation/Commissioning

of Hardware/Software 77

The bidder/SI is responsible for all unpacking

and installation of Products. The bidder/SI will

test all

hardware/system operations and accomplish all

adjustments necessary for successful and

continuous operation of the

hardware/software at all installation sites.

Unpacking and installation of

Products like hardware Os, database and

other applications is the

responsibility of the Bank.

Request you to kindly remove this clause.

As per RFP

108

69 Eligibility Criteria 15Bidder/SI is not reported under SMA-2 or NPA,

if enjoying credit facilities from any Bank/FI. Request you relax SMA-2 As per RFP

109

74 Annexure J

Unit price of (Item 6 + Item 7 + Item 8)>=12% of

(Item 1 + Item 2) Total ATS cost for RRBs will be

calculated as = Unit Price*4 (Total

RRBs)*4(years

As per market standards kindly increase the

ATS to 18% As per RFP

110

75 Terms and Conditions

Six Months onsite experienced support

(Support personnel should be BE/MCA and 1

year experience in the CKYCR-software supplied

to the Bank.)

BE or MCA As per RFP

111

75 Facility Management Table 2 Customization (100 person-days during the

contract period)

After 100 days each day will cost 7500 per

person per day

As per RFP. After 100 days

unit price will be

considered. Refer Pg.75

112


Implementation charges should cover

integration with the existing applications of the

Bank as well as the applications that may

require integration during the contract period.

Kindly clarify the number of solutions and

required scope of integration with CKYC

solution.

As per RFP

113


Sizing of hardware for implementation of

CKYCR solution should be for enterprise wide

licenses

and certified by the application OEM. The

bidder should ensure that the neither the sizing

is oversized nor undersized.

Kindly clarify the volume for legacy records

and future account to be opened on

daily basis. Also clarify if the bank has a

separate storage server or the same needs to

be shared by the bidder as well.

Will be Shared with

Sucessful bidder.

114





Bidder should

note that while quoting total Price for

Manpower for 5 years, it should be inclusive of

the aforementioned increase of 4%

Kindly revise the same to 15% year on tear As per RFP

115

109CKYCR Related

Requirements

The Proposed solution should support for

scheduling bulk upload / download activities as

per bank’s requirement with all integrated

systems via Straight Through Processing-STP.

The customization in the proposed solution for

any such activities in future has to be done

within ATS cost only

Customization will be charged separately As per RFP

116

111Annexure X/ Functional

Specification 2


work on Virtual Cloud Model which supports

windows

2012 and above, RedHat Linux

Application is .net framework based. Will run

on windows

2012 and on Redhat Linux

As per RFP

117


Specification 5

Data capturing page of proposed solution given

for branch users should validate PAN and

Aadhaar number from NSDL and UIDAI sites

and same facilities to be available for other

OVDs in public domain as and when

they become available

system does not support UIDAI references or

APIs As per RFP

118


Specification 7

The system should be capable of capturing data

of new / legacy account of individual and legal

entities

This feature is not implemented at cersai end

and hence not a part of our system. In future

enhancements can be made as per template

of CKYCR

As per RFP

119


Specification 8

The system should check the names of

customers with the data base of Central KYC

Registry, as per bank’s requirement

CERSAI gives a feature of searching by ckyc

id, pan and aadhar and driving license

number and not by name. This feature is not

available in our system

As per RFP

120


Specification 13

The proposed should be capable of identifying

the records automatically which are to be

uploaded to CKYCR server.

The cbs file generation is manual work and

records upload is handled via automation in

our system

As per RFP

121


Specification 14

The proposed solution should be capable of


bio-metric device

Aadhaar validation is taken place during

account opening and in the account opening

application. The required is not a apart of

CKYC. Request you to remove the point

As per RFP

122


Specification 15

The Proposed solution should be capable of

mapping a new account to an existing customer

automatically using business rules configured in

the system. Such rules should be flexible and

highly parameterized in the proposed solution.

The rules can be added, changed or removed

by Bank at any point of time and in case of

customization required every time in the

solution then there will not be any cost to

Bank for this change Request

NA in our system As per RFP

123


Specification 16


picking up unlimited address types and number

of address along with contact numbers and

email details. Address change of the customer

through this solution should be maintained in a

user friendly and readable manner with the

account linkage

As per CERSAI, currently in application you

can store 3 address types only – permanent,

corresponding and jurisdiction address As per RFP

124


Specification 18


providing details to Bank and other monitoring

authorities for progress/pendency of the work

of screening/scrutiny of the work under

correspondence with the field functionaries

Clarification needed As per RFP

125


Specification 26


using existing scanners available at branches as

per description of CKYCR uploading

requirement

In case in future there are new scanners?

Solution should be

compatible with all the

scanners

126


Specification 33

If any value of particular field as per CKYCR

template is not available in Bank’s Core Banking

Solution, the branch user will fill the required

additional details in the proposed solution. So

the proposed application should have

sufficient data entry / upload module to accept

the gap data for a single / multiple customers at

a time

Clarification needed as we should know the

data which will be partial or full Will be Shared with

Sucessful bidder.

127


Specification 36


downloading customer data/document based

on unique ID given by CKYCR of the

customer/legal entities without human

intervention (integrate with Bank’s in house

software / Core Banking Solution /Existing KYC

AML system as per the Bank’s requirement)

This will be provided with an additional cost

as we have API in place which can be

connected with bank’s cbs and other systems As per RFP

128


Specification 37

System should digitally sign the zip folder

before upload as per requirements of CKYCR. NA in our system As per RFP

129


Specification 39

As and when the new requirements arise from

verticals/CKYCR ,system should be capable of

providing the necessary dashboards like

probable

match ,New Customer, Notification

Management and Replicate Modification etc.

Clarification needed As per RFP

130


Specification 44


generate reports in multiple formats – PDF,

RTF, HTML, CSV and XSL/XLSX. User can

configure the columns and print settings -

header, footer etc

Work Flow of the solution will be discussed

with the bank and pre decided prior to

deployment. Any change in Workflow post

go live should be considered in Change

Request. Request you to kindly consider

As per RFP

131


Specification 45

End users should be capable of scheduling the

report generation by specifying the frequency /

timings in the proposed solution

Our development team will configure as and

when required or at the time of delivery. This

not configurable by the user

As per RFP

132


Specification 48

The proposed solution should have the ability

to delete or modify or remove the configured

workflows, if they become redundant or

obsolete as per bank’s requirement and there

should be sufficient logs for every action.

Details of the payment made to cersai is

updated in CKYC application. As Cersai A/c of

the bank for payment are not linked to the

application. Request remove.

As per RFP

133


Specification 51


storing customer data and photograph as per

bank’s requirement

It gets stored in database at bank side As per RFP

134


Specification 54

The bidder should either provide the source

code itself with necessary documentation or

arrange to keep it under escrow arrangement.

IPR is Adroit. Escrow Agreement charges will

be barred by Bank As per RFP

135


Specification 55

The application should support multiple

database platforms like Oracle, SQL Server etc.

. System supports sql server or oracle

depending on the requirement As per RFP

136


Specification 58

The Successful bidder has to provide 24/7

online support to Bank and if required the

engineer has to visit Bank’s premises to resolve

the issue

Support is required during

Banking Hours. Request you to relax the

point of 24*7

As per RFP

137


Specification 60

Bidder should provide 1 year warranty and

adequate support to Bank for 4 year without

any extra cost for al supplied software, if any

incase of such requirement from Bank for these

RFP requirements.

ATS will be charged As per RFP

138


Specification 68

During the contract period, if OEM of OS/DB

solution announces regarding the End of

Support the successful bidder has to migrate

the solution to the newer version of OS/DB

without additional cost to the Bank.

Solution shall be deployed on latest version

of OS/DB. As per RFP

139


Specification 80

There should not be any dependency on

CERSAI server for view option for CKYC ID

generated from all financial Institutions

The dependency will always be there. As per RFP

140


Specification 81

There should be a system to update already

generated CKYC ID from other institutions in

the software (application)

NA in our system As per RFP

141 123Annexure X/ Functional

Specification 82

Probable match data reconciliation should not

be time consuming and all the matches should

. It will be displayed on a separate page

within application and not in excel format As per RFP

142


Specification 86

Application software should monitor advance

payment made to CERSAI, amount getting

deducted with each CKYC ID generated and

balance amount available

Details of the payment made to cersai is

updated in CKYC application. As Cersai A/c of

the bank for payment are not linked to the

application. Request remove.

As per RFP

143


Specification 88

Option to generate record “DATE and Customer

ID wise for CKYC Download list” from CERSAI. The format is date and ckyc id wise As per RFP

144

124 Other Requirements 3The solution should support for workflow

management and configuration

Work Flow of the solution will be discussed

with the bank and pre decided prior to

deployment. Any change in Workflow post

go live should be considered in Change

Request. Request you to kindly consider

As per RFP

145

15 Cost of RFP 7

Bank will follow the guidelines issued by

Govt. of India for MSME units registered with

NSIC under single point registration scheme

Kindly clarify that Micro & Small Units

registered with MSME - Govt. of India are

exempted from submission of EMD and

Tender Fees.

As per RFP

146 67 Pre-Eligibility Criteria 4 The Bidder should submit a certificate in

support of ISO 9001:2008 compliance

(Manufacturer’s Quality Management

Standards) and ISO 27001 compliance

(information security)

We are OEM of c-KYC solution. Being product

company , ISO 9001:2008 compliance

(Manufacturer’s Quality Management

Standards) is applicable. Kindly Modify the

clause to The Bidder should submit a

certificate in support of ISO 9001:2008

compliance (Manufacturer’s Quality

Management Standards).

As per RFP

147

67 Pre-Eligibility Criteria 6

The Bidder should have experience of already






The cKYC is a standard process defined by

regulator CERSAI and applicable to all banks

operational in India Region.” Hence modify

the clause to “ Bidder should have

experience of successfully implementing

the proposed cKYC Solution in at least 2

Scheduled Banks in India out of which 1

As per RFP

148 68 Pre-EligibilityCriteria 11All the components of the proposed solution

should be owned by Bidder or Authorized

Kindly ask Self-certification signed by

Company Secretary of OEM As per RFP

149

40 Payment Terms 53

On Successful installation and customization of

the solution,

UAT signoff and training. – 35%

Kindly change payment Term - On Successful

installation and customization of the

solution, UAT signoff and training. – 80%

As per RFP

150

13 Scope of Work 4

4.1. Upload of KYC record 4.2. Search and

Download of KYC record 4.3. Update of KYC

record

Kindly confirm, in addition to Annexure X -

Functional Specification, the bidder also

needs to respond to the requirement

mentioned in section 4

As per RFP

151

15 Bid 8 Rs 5,00,000/-(Five Lakhs)

Would request the bank to relax the Bid

security amount considering the scope of

work and would suggest limiting the Bid

security amount up to 2 Lakhs

As per RFP

152

22 Training 16

d) Bidder should provide an eLearning module

which can be integrated with Banks’ eLearning

module.

By eLearning module, kindly explain the

requirement and scope that the bank is

looking for

As per RFP

153

23 Disaster Recover y – DR 18

• To give a DR plan for the solution

proposed. The servers in the DR site will be of

the same configuration as that of the

production and it should be able to support

100% of the load, of the production CKYC

system. Also, it should be able to work in the

High availability mode.

• The solution should be capable of

automatically replicating all data from DC to DR.

Kindly clarify, the bidder shall recommend

hardware sizing on Active-Active or

ActivePassive mode

Active-Active

154

24 Technica 25 Insolvency Report from bank

Kindly confirm, is it acceptable for the bank if

the bidder submit the audited statement or a

letter issued by our Chartered Accountant as

this document are equivalent to prove the

solvency of the bidder




accounts.

155

24 l Bid 25

RFP including all Annexures with company

stamp & signed by authorized signatory on all

pages

Bidder also needs to sign, seal & submit the

RFP document, addendums & Annexures

floated by the bank as part of our Technical

response. Kindly confirm

AS per RFP

156

24 25

The TB must be submitted in structured

manner. No brochures, leaflets, etc. should be

submitted in loose form. Documents

comprising the Technical Proposal Envelope,

should contain following:

Bidder needs to follow the format defines in

section 20 to structure the technical

response, kindly confirm our understanding

As per RFP

157

29 Softwar e Licensing 29

Bank, in future, as and when it proposes to

implement account opening workflow through

any online mode like TAB, mobile, account

opening through KIOSK, through website etc,

software should have the capability to support

the same in future (in any mode, account will

be opened and updated in Finacle, same

process will be followed).

Kindly confirm our understanding, the bank

will be maintaining the core customer

database in finacle only or also in any of the

listed applications.

As per RFP

158

41 Termination 55

Bidder understands and seeks clarity that

termination will be limited to instances of a

material breach. Under such circumstances,

the bidder shall be paid for all goods and

services rendered until the date of

termination.

As per RFP

159

40 Delivery Period 60

The required software is to be delivered within

2 weeks from the date of the acceptance of

purchase order.

The delivery of the application is inter-

depended on multiple stakeholders like

Bank, CERSAI, the required Infrastructure,

other pre-requisites..etc, considering the

readiness of the listed sources, the bidder

shall be able to deploy the application in a 2-

week span. Kindly confirm our understanding

As per RFP

160

68 Eligibilit y criteria 7

The Bidder should have direct support office at





with the bid.

The bidder would like to understand, other

than the listed documentary proof what is

the other acceptable proof bidder can

submit to suffice this requirement and is it

acceptable for the bank if the bidder submit

a selfcertification letter on the support

location as a proof for this requirement,

kindly confirm

As per RFP

161 Page No.

67

Annexure-F Sl No. 6 The Bidder should have experience of already






The Bidder request the Bank to kindly modify

the clause as "The Bidder should have

experience of already successfully

implementingthe proposed CKYCR Solution

in at least 2 Scheduled Commercial Bank /

RRB / Cooperative Bank in India out of which

1 implementation should be working for

atleast 6 months."

As per RFP

162 Page No.

68

Annexure-F Sl No. 7 The Bidder should have direct support office at




registration details etc) to be submitted along

with the bid.

We have existing support office at Mumbai.

We can setup the support office in Bangalore

with in 2 months of receipt of PO and

relevant self-declaration signed by

authorized signatory should suffice the

requirement. Kindly clarify.

As per RFP

163 - General - - The Bidder would request the Bank to kindly

clarify that the requisite Network

Connectivity between Bank's DC & DR &

Branches will be the responsibility of the

Bank.

Will be Shared with

Sucessful bidder.

164

19

Timeline and Penalty for

delay in project

implementation

12,6

In case of pendency with regard to this activity,





Request bank to revisit the penalty imposed

by CKYC as at present there is no penalty

structure available from CKYC

As per RFP

165

Insolvency Report from bank Please provide us the format for the same.




accounts.

166

74 Annexure J 7

CKYCR - ATS for 4 years after expiry of warranty

period of 1 year for RRBs and subsidiaries Total

Cost for 4 years for 3 RRBs (Unit price *12)

Bank has 5 subsidiaries we are required to

quote only for 3 RRB’s. Require clarification

on the quote

Already mentioned in the

RFP. Refer Price

Bid(Annexure -L).

167

109 Functional Specification 4

Closure of all VAPT / IS AUDIT observation for

The proposed setup &

Within Time frame stipulated by Bank without

any additional cost to the Bank

Is bank expecting any specific performance

& Security testing criterion?

SAST, DAST reports are

required for Go-Live

168


Data capturing page of proposed solution given

for branch users should

Validate PAN and Aadhaar number from NSDL

and UIDAI sites and same

Facilities to be available for other OVDs in

public domain as and when they

Become available

Whether any existing Bank APIs available for

NSDL and UIDAI which could be used by

CKYCR solution?

Will be Shared with

Sucessful bidder.

169


The system should be capable of capturing data

of new / legacy account of

Individual and legal entities as per template of

CKYCR

Is Legacy accounts data available as per

CERSAI guidelines?

Will be Shared with

Sucessful bidder.

170



identifying the records

Automatically which are to be uploaded to

CKYCR server

Is records to be identified from Bank's core

system?

If core system is available ,whether they

provide necessary services to fetch

data/docs? How many core systems are

available?

Will be Shared with

Sucessful bidder.

171



picking up unlimited address

types and number of address along with

contact numbers and email details.

Address change of the customer through this

solution should be maintained in

A user friendly and readable manner with the

account linkage.

What is the maximum number of addresses

which needs to be captured?

As per RFP

172



capturing any future field or

Requirement by CKYC Registry, Regulators or

Banks, from time to time.

Will these changes be raised as a Change

Request?

As per RFP

173



give SMS/email alert to respective

customer whose notification comes to the

branch. It should have a workflow

and all interaction with www.ckycindia.in or

the CKYCR system should happen

through secure FTP and SSL. Bank’s SMS and

Email Gateway details will be

disclosed separately with Successful Bidder

Please mention the significance of workflow

in notification provided to customer?

As per RFP

174


The proposed solution should have ability to

integrate and pick up images from

other application such as CBS (Core Banking

Solution), DMS (Document

Management M RFP – Centralized KYC Registry

Solution (CKYCR) Private &

Confidential Page 112 System), Tablet Banking,

FI Gateway, Banking

Correspondent / and online account opening

system / Internet Banking etc.

data as per bank’s requirement.

Will bank provide API for these systems

except DMS?

As per RFP

175



identify Deduping of customer at

The time of on boarding

1. Will the Bank provide a unique identifier

for the

Customer ?

2. Is the Deduping expected based on the

Customer ID ?

Will be Shared with

Sucessful bidder.

176


The licenses for the proposed application

should be enterprise wide and there

should not be any restrictions in issuing

licenses based on no. of users , no. of

branches, no. of channels integrated ,no. of

uploading /downloading

Documents or transactions or files and asset

size of the Bank etc.

Will Bank bear the cost for hardware

upgradation as increase in number of users

(beyond initial estimation) ?

As per RFP

177


The Software application should integrate

previous data and history of

Previous vendor in their system/application.

Will these data be provided as per format

shared by TCS?

As per RFP

178


The system must be scalable to initially for a

minimum 25000 customers per

day and going forward without any limitation to

accommodate new branches/

Offices/software’s/use and also for handling

bulk volumes of legacy data.

Can Bank provide an approximate estimation

regarding volumes and usage?

As per RFP

179


The proposed CKYCR software should meet the

present/future Government/

Regulatory/CERSAI.

Will these changes be raised as a Change

Request?

As per RFP

180


A path to be given in which documents are

scanned and kept at the time of

data entry for account opening, which can be

auto fetched at the time of

importing of record on to CERSAI portal.

Will bank provide document type,customer

id as per CERSAI specified format?

As per RFP

181


There should not be any dependency on

CERSAI server for view option for

CKYC ID generated from all financial institutions

As of now CERSAI not providing these

services. Requesting Bank to drop this point

from RFP.

As per RFP

182


There should be a system to update already

generated CKYC ID from other

Institutions in the software (application)

As of now CERSAI not providing these

services. Requesting Bank to drop this point

from RFP.

As per RFP

183


There should be an intimation to us for every

update published by CERSAI

is this point talking about the transaction

level updates shared by CERSAI (RES0, RES1)

?

As per RFP