request for proposal for selection of end-to-end solution ... · intends to issue this bid...

Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1

Request for Proposal

For Selection of End-to-End Solution Provider For

Credit Card Business on Outsourced Model

Allahabad Bank Head Office

Department of Information Technology & Digital Banking 2, N. S. Road

Kolkata – 700 001

RFP Ref. No.: HO/IT&DB/CC/2017-18/01 Dated: 02/12/2017

Department of Information Technology & Digital Banking

Allahabad Bank


Disclaimer The information contained in this Request for Proposal (RFP) document or information provided subsequently to bidder(s) whether verbally or in documentary form by or on behalf of Allahabad 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. This RFP document is not an agreement and is not an offer or invitation to bid by Allahabad Bank to any parties other than the applicants who are qualified to submit the bids (“bidders”). The purpose of this RFP is to provide the bidder(s) with information to assist them in 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. Allahabad Bank make 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. Allahabad Bank may in its absolute discretion, but without being under any obligation to do so, update, amend or supplement the information in this RFP.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Table of Contents Disclaimer...................................................................................................................................................... 2

Invitation for Bids .......................................................................................................................................... 7

Instruction to Bidders (ITB) ........................................................................................................................... 9

About Allahabad Bank ............................................................................................................................... 9

Objective of the RFP ................................................................................................................................ 10

Eligibility Criteria ......................................................................................................................................... 11

Preparation & Submission of Bids............................................................................................................... 13

Mode of submission ................................................................................................................................ 13

SUBMISSION OF ONLINE COMMERCIAL BID (E-TENDERING) ..................................................................... 17

Bid Security ................................................................................................................................................. 18

Modification and Withdrawal of Bids ......................................................................................................... 19

Rejection / Acceptance of Bid ..................................................................................................................... 19

Cancellation of Bid ...................................................................................................................................... 19

Period of Validity of Bids ............................................................................................................................. 19

Pre-Bid Meeting .......................................................................................................................................... 19

Selection Strategy ....................................................................................................................................... 21

Objective ................................................................................................................................................. 21

Evaluation of Technical Bid ..................................................................................................................... 22

Scoring Methodology for Company Credentials ..................................................................................... 23

Scoring Methodology for Documentary Evidence of Volume Handling & Scalability ............................ 23

Scoring Methodology for Functional Requirements (FR) and Technical Requirements (TR) ................. 23

Scoring Methodology for Product Demonstration and Bid Presentation (PB) ....................................... 24

Scoring Methodology for Customer Reference & Feedback .................................................................. 24

Scoring Methodology for User Friendliness and Mobility App ............................................................... 25

Scoring Methodology for Project Team Profile & Project Execution Planning ....................................... 25

Disqualification Parameters in Technical Bid Evaluation ............................................................................ 26

Evaluation of Indicative Commercial Bid & Online Reverse Auction .......................................................... 26

Reverse Auction .......................................................................................................................................... 27

Scope of Work ............................................................................................................................................. 28

Annexures ................................................................................................................................................... 47


Allahabad Bank


Annexure-1.............................................................................................................................................. 49

Annexure-2.............................................................................................................................................. 50

Annexure - 3 ............................................................................................................................................ 54

Annexure - 4 ............................................................................................................................................ 56

Annexure - 5 ............................................................................................................................................ 58

Annexure - 6 ............................................................................................................................................ 59

Annexure - 7 ............................................................................................................................................ 60

Annexure-8.............................................................................................................................................. 61

Annexure-9.............................................................................................................................................. 62

Annexure-10............................................................................................................................................ 64

Annexure-11............................................................................................................................................ 65

Annexure-12............................................................................................................................................ 67

Annexure 13 ............................................................................................................................................ 70

Annexure 14 ............................................................................................................................................ 71

Annexure-15............................................................................................................................................ 72

Annexure - 16 .......................................................................................................................................... 74

Annexure - 17 .......................................................................................................................................... 75

A. Functional Requirements ............................................................................................................ 75

B. Technical Requirements ............................................................................................................ 107

C. TECHNICAL BID INFORMATION OF BIDDER FOR CREDIT CARD ISSUANCE BUSINESS Proficiency Requirements .................................................................................................................................... 109

4 ........................................................................................................................................................ 110

Total number of bank (End to End) ................................................................................................ 110

5 ........................................................................................................................................................ 110

Vendor‘s in house maintenance of NPCI/ VAP/MIP connectivity to NPCI / VISA/ MasterCard ......... 110

i. Not currently certified by NPCI / VISA / MasterCard & for POS transaction processing and not having own VAP / MIP ....................................................................................................................... 110

ii. Certified by NPCI/VISA / MasterCard for POS transaction processing and not having own VAP / MIP 110

iii. Certified by NPCI/VISA / MasterCard for POS transaction processing and having own VAP / MIP 110

6 ........................................................................................................................................................ 110


Allahabad Bank


Disaster Recovery Centre .................................................................................................................. 110

i. DR facility not available in India as on date, but will be arranged. ............................................ 110

ii. DR facility available but not in operation for any Bank. ............................................................ 110

iii. DR facility available and operational for two Banks in India. .................................................... 110

Please provide proof of DR being ready in India as on date of RFP submission for processing......... 110

The DR should be capable as on date to process Credit card Issuance transactions for more than 5 Banks. ................................................................................................................................................ 111

15 ...................................................................................................................................................... 110

7 ........................................................................................................................................................ 111

0 ........................................................................................................................................................ 111

2.5 ..................................................................................................................................................... 111

3.75 ................................................................................................................................................... 111

0 ........................................................................................................................................................ 111

2.5 ..................................................................................................................................................... 111

3.75 ................................................................................................................................................... 111

0 ........................................................................................................................................................ 111

2.5 ..................................................................................................................................................... 111

3.75 ................................................................................................................................................... 111

0 ...................................................................................................................................................... 1111

2.5 ................................................................................................................................................... 1111

8 ...................................................................................................................................................... 1122

i. Not Available, but will be outsourced. .................................................................................... 1122

ii. Available, but not yet implemented with any Bank. ............................................................... 1122

iii. Available and implemented with at least one Bank in India. .................................................. 1122

0 ...................................................................................................................................................... 1122

10 .................................................................................................................................................... 1122

15 .................................................................................................................................................... 1122

9 ...................................................................................................................................................... 1122

i. Presently not Available, but will be arranged. ......................................................................... 1122

ii. Available, but yet to be implemented with any Bank.............................................................. 1122

iii. Available and already implemented with at least two Banks ................................................. 1122


Allahabad Bank


0 ...................................................................................................................................................... 1122

10 .................................................................................................................................................... 1122

15 .................................................................................................................................................... 1122

10 .................................................................................................................................................... 1122

i. Presently not Available, but will be arranged. ......................................................................... 1122

ii. Available, but yet to be implemented with any Bank.............................................................. 1122

iii. Available and already implemented with at least two Banks. ................................................. 1122

0 ...................................................................................................................................................... 1122

10 .................................................................................................................................................... 1122

15 .................................................................................................................................................... 1122

Annexure - 18 ........................................................................................................................................ 113

Annexure - 19 ........................................................................................................................................ 115

Annexure - 20 ........................................................................................................................................ 119

Annexure - 21 ........................................................................................................................................ 120

Annexure - 22 ........................................................................................................................................ 121


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Invitation for Bids

1. The Allahabad Bank, a body corporate established under the Banking Companies (Acquisition and Transfer of Undertaking) Act 1970, having its Head Office at 2, Netaji Subhas Road, Kolkata-700001, India, hereinafter called “The Purchaser” or “Bank”, which term or expression unless excluded by or repugnant to the context or the meaning thereof, shall be deemed to include its successors and permitted assigns, intends to issue this Bid document, hereinafter called Request for Proposal, or “RFP”, to invite Techno-Commercial bids from eligible Bidder for Selection of End-to-End Solution For Implementation Of Credit Card Solution on an Outsourced Model in accordance with the Industry Best Practices and for complying with all regulatory guidelines.

2. A complete set of RFP documents may be purchased by any interested Bidder on the

submission of a written application, in duplicate, from The Asstt. General Manager (IT) Allahabad Bank, Head Office, Department of Information Technology, 2nd Floor, 2, Netaji Subhas Road, Kolkata – 700001, India upon payment of non-refundable fee of Rs.25,000/- (Rupees Twenty-five Thousand only) in the form of Demand Draft or Banker’s Cheque in favour of ‘Allahabad Bank’, payable at Kolkata. Only the Bidders, who purchase the RFP in their names, are eligible for submission of bid. The RFP may be obtained from the above address during office hours on all working days either in person or by post.

3. A complete set of RFP may also be downloaded from Bank’s official website

www.allahabadbank.in. The Bidder who has downloaded the RFP from above website, is required to submit a non-refundable fee of Rs.25,000/- (Rupees Twenty-five Thousand only) in the form of Demand Draft or Banker’s Cheque, in favour of ‘Allahabad Bank’ payable at Kolkata, during office hours within the last date and time of submission of bid, failing which the Bid of the concerned Bidder will not be entertained. This tender is not transferable. Only the Bidders who have officially purchased this tender document shall be entitled to quote subject to their fulfilling the eligibility criteria.

The Details are as under: Sl. No. Items Details 1 Bid Reference HO/IT&DB/CC/2017-18/01

Dated 02.12.2017 2 Price of RFP Document Rs.25,000/- (Rupees Twenty-five Thousand only) 3 Bid Security Rs.50,00,000/- (Rupees Fifty Lakh Only) 4 Date of Commencement of Sale of RFP 02nd December 2017 11:00 Hours IST 5 Last date of receipt of Pre-bid queries 08th December 2017 18:00 Hours IST 6 Date and time for Pre-Bid Meeting 11th December 2017 11:00 Hours IST 7 Last date & time for sale of RFP 27th December 2017 11:00 Hours IST


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 6 Last Date & Time for submission of Bid

(Technical & Indicative Commercial) 27th December 2017 13:00 Hours IST

7 Date & Time of Opening of Technical Bids

27th December 2017 15:00 Hours IST

8 Date and Time of Opening of Indicative Commercial Bids

To be notified subsequently to the eligible Bidders

9 Date and Time of Online Reverse Auction

Will be intimated to the technically qualified bidders

10 Place of Submission and Opening of Bids

The Asstt. General Manager (IT) Allahabad Bank, Head Office, Deptt. of Information Technology & Digital Banking, 2nd Floor, 2, Netaji Subhash Road, Kolkata - 700001, India

11 Address for Communication Same as Above Tel: 91-033-22319471/72 Fax: 91-033-22106323 Email: [email protected]

4. Technical bids will be opened in the presence of the bidders’ representatives who

choose to attend on the specified date and time. The indicative commercial bids of only technically qualified bidders will be opened and the lowest quote obtained through indicative commercial bids may be fixed as start price for the subsequent reverse auction to be carried out. However Bank may decide to fix the start price lower than the lowest indicative quote at its discretion. The online reverse auction process will be adopted for obtaining commercial quote from the technically qualified bidders on separate date and time which will be notified separately.

5. No further discussion/interface will be granted to the bidders whose bids have been

disqualified on technical or any other ground declared/established as per terms/conditions of the RFP.

6. Non-attendance at the Bid Opening will not be a cause for disqualification of a bidder.

7. Allahabad Bank reserves the right to accept or reject, in part or full, any or all the offers

without assigning any reasons whatsoever.

The Asstt. General Manager (IT&DB), Allahabad Bank, Head Office,

2, Netaji Subhas Road, Kolkata – 700 001


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Instruction to Bidders (ITB)

About Allahabad Bank

1. Allahabad Bank (‘the Bank’) was established on 24 April 1865 in Allahabad. In the year 1969, the Government of India nationalized 14 commercial banks and Allahabad Bank was one of them. For operational convenience, the Head Office of the Bank was shifted from Allahabad to Kolkata in 1923.

2. The Bank is a leading public sector commercial bank based in India. The Bank offers a

range of financial services including cash management services, depository services, corporate agency arrangements, VISA & RuPay debit cum ATM card, bank assurance and mutual fund, real time gross settlement, gold card scheme for exporters, National Electronic Fund Transfer (NEFT), government business, and online payment. The bank operates through four business segments, namely, Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking.

3. Presently, the Bank has a network of more than 3248 Domestic Branches, out of which

1206 are at Rural, 766 at Semi-Urban, 647 at Urban and 629 in Metropolitan Centres, spread all over the country. The Bank also has an Overseas Branch at Hong Kong.

4. The Bank also has CBS Project Office & DC in Mumbai, a CBS Project Monitoring Office in

Kolkata and a DR Site in Lucknow.

5. The CBS implementation of the Bank was completed on 18th December 2010. Core Infrastructure for the Centralized Banking Solution is hosted at the Data Center (DC) and Disaster Recovery Center (DRC). DC & DRC are operational on 24 x 7 x 365 basis and have necessary infrastructure for that.

6. Bank is having 1097 ATMs and debit card base is approx 120 Lakhs.

7. The Bank has one overseas branch at Hong Kong.

8. Some of the business statistics (figures in Crores of Indian Rupees) of the Bank as on 30th September 2017 are as under : Total Business : Rs. 359,450 Crs. Total Deposits : Rs. 207,269 Crs. Gross Advances : Rs. 152,180 Crs

9. The Bank has One RRB – Allahabad U.P. Gramin Bank, and two JVs ASREC & Universal

Sompo General Insurance Co. Ltd.

10. The Bank will open/plans to open branches, offices from time to time & may also promote/acquire Associates/JVs as and when required.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Objective of the RFP

1. ALLAHABAD Bank is not into Credit card business; bank intends to issue at least 3,00,000 Credit Cards with in next 5 years. Initially the contract would be for 3 years and may be extended for further 2 years depending upon bank’s interest and quality of service provided by bidder. However it should be noted that these are only indicative numbers and should not be treated as commitment from the Bank.

2. This Request for Proposal (RFP) is intended to invite Techno-Commercial Bids from eligible bidders to provide end-to-end Credit Card Solution on Outsourced Model in tune with industry best practices and guidelines.

3. The Bidder is required to Implement and Maintain Complete Credit Card System Operation on an Outsourced Model and train the concerned personnel of the bank as per the requirements of this RFP for the period of the contract.

4. The Bidder has to implement the solution as per requirements laid down in this document.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Eligibility Criteria S. No.

Eligibility Criteria Documentary Evidence to be submitted to the bank

1 The bidder should be a government organization/ Public sector unit/ Partnership firm / Limited Company/ Private Limited Company having its Registered Office in India since last five years as on 01/12/2017. Relevant documents of registration should be submitted as part of the proposal. (In case of mergers/acquisitions/restructuring or name change, the date of establishment of earlier/ Original firm would be taken into consideration.)

Certificate of Incorporation

2 The bidder should meet all the following criteria for the last 3 years (2014-15, 2015-16 and 2016-17) for Operations in India:

1. Annual Turnover of at least INR 100 Crores. 2. The company should have positive Networth. 3. The bidder must warrant financial solvency, i.e. able

to meet all the debts as and when they fall due.

Audited financial statements for the last three financial years and Declaration on Letterhead for sub Point No. 3

3 The bidder should be a reputed IT Solution Provider possessing at least a valid SEI CMMi Level 3 certification or above certification or a valid ISO Certification for any of the following: Design/Development/Implementation/ Maintenance/ Testing for Software at the time of bid submission

Valid Certificates

4 The bidder individually or in alliance with its partners should be able to provide end-to-end services for supporting credit card business operations for the bank including provision of a card management system in a hosted environment in at least a Tier3 Data Centre, Provision of a switch for connectivity with VISA/Mastercard/RUPAY schemes with relevent third party service provider certifications from VISA/ Mastercard/ RUPAY and provision of human resources for customer service centre and back-office operations.

Self Declaration on the Bidder's letterhead

5 The Bidder/ Partners should have a successful PCI-DSS compliance certificate for the data center operations and PCA-DSS compliance certificate for the Application.

Valid Certificates

6 The Bidder/ Partners should not have been blacklisted by any Bank/ Financial Institutions/ RBI/ Bank Association/ Government organization or Govt. agency in India.

Self Declaration on Bidder's letterhead

7 The Bidder/Partners should not have any past reported/ recorded incident of any breach of security or data

Self Declaration on


Allahabad Bank


compromise, notified by the Bank/ IBA/ Mastercard/ Visa/ NPCI/ RBI during the past three years in India.

Bidder's letterhead

8 The Bidder applicant should not be a defaulter of any Co-operative Credit Society/ Bank/ any other financial Institution and should not have any NPA account with Bank/Financial Institution and should have met all the tax and other statutory obligations. The vendor applicant should have a satisfactory track record.


9 The bidder/ Partners should have minimum three institutions worldwide (at least one must be implemented in a Public Sector Bank in India) as its existing clients. The names of such clients with details of contact persons such as name, designation, address, phone number etc. should be furnished by the bidder in their response to the technical bid.

Purchase Orders/ Implementation Sign Offs from the customer / Customer Reference Letters

10 The Bidder/Its Partner should have an own/ managed primary data center of at least tier-3 level, with Disaster Recovery center in India, capable of providing all type of services with respect to hosting a credit card solution and other services related to the same.


11 The Bidder/ Partners should be presently handling a credit card base (Single customer) of at least 2.00 lakh at present in India as on 01.12.2017.

Self Declaration on Bidder's letterhead which will be verified with RBI data

12 The Bidder/ Partner system should be capable of issuing EMV compliant Credit card, with experience of at least two years for issuing EMV Credit Cards.


13 The bidder should own the intellectual property rights of the product/solution or he should have rights from the owner, if not, the Bidder should have in place proper tieups, commercial agreements, authorised implementation partnerships etc. for development /resale/ customisation of software with the product bidder or any third party, whose software products are offered.

Letter / Certificate from OEM


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Preparation & Submission of Bids

Mode of submission The offer will be in three parts – Eligibility, Technical & Commercial. The Bank would adopt the E-Tendering process for the submission of Commercial Bid, whereas the eligibility & technical Bids are to be submitted in physical form. The bidder shall prepare two copies each of the Technical and Eligibility Criteria. The bidder shall seal the original and copy of these (two) bids in separate envelopes (Total Four envelopes). All the original bids should be further sealed in to one outer envelope marked as Original Bid and all the copy bids should be sealed in a separate outer envelope marked as Copy Bid. The two outer envelopes shall be marked as “BID FOR CREDIT CARD ON OUTSOURCED MODEL AGAINST RFP REF. NO.: HO/IT&DB/CC/2017-18/01 – ORIGINAL BID ” and “BID FOR CREDIT CARD ON OUTSOURCED MODEL AGAINST RFP REF. NO.: HO/IT&DB/CC/2017-18/01 – COPY BID”. In case the bidders opt to remit the non refundable bid submission fee by way of DD/Banker’s Cheque at the time of bid submission, the same shall be safely kept in the outer envelope containing Original Bids. In addition to the DD/Banker’s Cheque, this outer envelope shall contain following envelopes (Original /copy as the case may be):

1. Envelope labeled as “Eligibility Criteria”; 2. Envelope labeled as “Technical Bid”; 3. Commercial Bid

All documents/papers should be self-attested by the authorized representative of the bidder and stamped properly. Soft copies of the requisite documents/papers contained in a Compact Disc (CD) should also be included in the respective envelopes. The response should be organized and submitted in the following manner: 1) Envelope labeled as “Eligibility Criteria” This envelope should contain the documentary proof and annexure required if any in respect of each of the criterion listed out in Section Eligibility Criteria. The check list for submission of eligibility criteria is given in Annexure - 3. This envelope should also contain-

• The profile of bidder as specified in Annexure - 4. • Letter with details of authorized signatories/Power of Attorney’s in the name of the

authorized signatories who can represent the Bidder/s with regard to the obligations under the RFP or contract Annexure – 1 & 21

• Two hardcopies (one original and one duplicate) of duly filled up Annexure– 3 & 4, along with supporting documents.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 2) Envelope labeled as “Technical Bid” The Technical Bid containing the response to both technical and functional requirements for the Solution is to be sealed in a separate Envelope superscripted on the top of the cover as “TECHNICAL BID”. The Technical Bid must not contain any price information. Soft copy of the response to the technical bids should also be provided in MS excel/MS word. The soft copy is to be placed in the envelope. The Bidder should certify that the contents of the soft copy are same as that provided in hardcopy as per Annexure - 16 – Undertaking – Document Correctness. In case of any discrepancies between the hardcopy and softcopy the Bank will use the hardcopy submitted by the Bidder for the evaluation. Two hard copies of the technical proposal (one original and one duplicate) with pages properly numbered, each page signed and stamped. The technical proposal should be bound in such a way that the sections of the proposal can be removed and separated easily. Signed copy of the RFP, all annexure and appendices fully filled up need to be submitted. Contents of Technical Bid

1. Bid Submission Covering letter Annexure – 9. 2. Responses against functional and technical requirement specified in this RFP (as

indicated in above paragraphs) Annexure - 17. 3. Reference site details in the format specified in Annexure - 5 4. Details of past experience as specified in the Annexure - 6 5. The proposed project team profile as given in Annexure - 7 6. The documentary proof in support of these programmes in the customer- Bank’s letter

head shall also be included in this envelope. 7. Masked Commercial Bid (without price details) Annexure – 9. 8. Bid security of Rs.50,00,000/- (Rupees Fifty Lakh Only), in the form of a demand draft or

Bank Guarantee (as per the format mentioned in Annexure - 15) issued by a scheduled commercial bank favouring Allahabad Bank, payable at Kolkata.

9. Project management & Penalties Annexure -19. 10. Undertaking – Document Correctness Annexure – 15.

Other Relevant Information

a. Executive summary of Bidder’s response b. Detailed technical write up covering the detailed scope of work c. Duly signed covering letter by the authorized signatory– Bid Form d. Manufacturers Authorization Form from the Bidders proposed partners e. Data Centers & Disaster Recovery Centers Details


Allahabad Bank


f. Comments on the RFP terms and conditions g. Reverse auction compliance statement Annexure-18. h. Soft copy of the technical bid only. i. Two copies of all the documents submitted in the technical bid j. Any other information in general

This envelope shall also contain all the Annexure specified in this RFP related to technical evaluation. It shall also include documentary proof required for substantiating the information given in Annexure, if any. In case any Bidder does not quote for any of the components, the response would be deemed to include the quote for such unquoted components required for meeting the functional and technical requirements including the service levels specified in this RFP. The Bank reserves the right not to permit changes in the technical specifications and not to evaluate the offer in case of non-submission of the technical details in the required format or partial submission of technical details. 3) “Indicative Commercial Bid” The bidder has to submit the commercial offer online. The Indicative Commercial Bid should be given by the Bidders in the format as shown in Annexure - 8. The Bidder is expected to quote unit price in Indian Rupees for all components on a fixed price basis as part of the commercial Bid inclusive of all costs and taxes like customs duty, excise duty, import taxes, freight, forwarding, insurance, delivery, installation, training etc. at the respective delivery location of the Bank but exclusive of only applicable (in India) Sales Tax/VAT, Service Tax/GST and Octroi / Entry Tax / equivalent local authority cess, which shall be paid / reimbursed on actual basis on production of bills. Further, receipts of such payments made to relevant authorities must be produced for Octroi / Entry Tax / equivalent local authority cess. The Bank will not pay any other taxes, cost or charges. The indicative price should be quoted as per the format specified in the RFP. Indicative Prices for all items including optional items, if any, should also be mentioned. The Bidders have to note that the commercial proposal post reverse auction must contain the following: 1. The bid covering letter cum declaration format is given in Annexure - 9 2. Complete Commercial 3. Soft copy of Commercial Bid/Commercial Proposal. The Bidder shall take care to submit the Bid properly filed so that the papers are intact. The Bidder shall submit the bid in suitable capacity of the file such that the papers do not bulge out


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 and tear during scrutiny. The Bids, which are not sealed as indicated above, are also liable to be rejected. The price schedule shall be submitted in indicative commercial Bid only. In a nutshell, the indicative commercial Bid details will need to be provided for per card per month fees/charges including whatever has been mentioned under scope of work. The indicative commercial bid is obtained for the complete solution and Bank will place the order after finalizing the Bidder. Further, while the Bidder has to quote for all the components of the solution. The envelope shall be addressed to the Bank at the address given below: The Asstt. General Manager (IT), Department of Information Technology & Digital Banking, Allahabad Bank, Head Office, 2, Netaji Subhash Road, Kolkata – 700 001, India. The Project name and a statement: “DO NOT OPEN BEFORE 27 December, 2017, 15:00 Hours” should also be mentioned on the envelopes. Opening of Technical Bids The technical bids (containing Technical & Eligibility Criteria) will be opened at 15:00 Hours on 27 December, 2017 in the presence of Bidders’ Representatives.

1. The Bidders may note that no further notice will be given in this regard. Further, in case Bank does not function on the aforesaid date due to unforeseen circumstances or holiday then the bid will be accepted on the next working day and bids will be opened at the same venue on the same day.

2. Bank however reserves the right to change the date & time for opening of Technical bid

without assigning any reason whatsoever. In case there is a change in the schedule the same will be intimated to the Bidders by putting up on the Bank’s website for enabling them to be present during the Bid opening.

3. The Bidders’ names, bid modifications or withdrawals and the presence or absence of

the requisite bid security and such other details as the Bank, at its discretion, may consider appropriate, will be announced at the bid opening. No bid shall be rejected at bid opening, except late bids, which shall be returned unopened to the Bidder.


Allahabad Bank


4. The technically qualified Bidders will be intimated to participate in the demo sessions. Date and schedule of demo sessions will be announced at an appropriate date and time.

5. These bidders will also be informed about the Online Reverse Auction Process, to

identify Lowest Quoted (L1, L2, L3...) Bidders. Online Reverse Auction procedures and timings will be informed separately. Technically qualified Bidders will be informed the modus operandi for this purpose and Bidders will have to abide by the E-Tendering rules.

6. Bank shall be under no obligation to accept the lowest price bid or any other offer

received in response to this RFP. Bank will not be obliged to meet and have discussions with any Bidder, and / or to listen to any representations in respect of the rejection.

7. Bidder will be selected based on the Evaluation Methodology mentioned below.

SUBMISSION OF ONLINE COMMERCIAL BID (E-TENDERING) 1. The Bank will adopt E-Tendering process for online submission of Commercial Bids. The

service provider for Bank's e-Tendering process is M/s Antares Systems Limited and the portal address for the same is www.tenderwizard.com/abbank, wherein the necessary details for e-Tendering are available.

2. The prospective bidders are advised to submit only the commercial bids online. The following steps are to be taken for online submission of Commercial Bids:

2.1 Registration with Service Provider Portal www.tenderwizard.com/abbank 2.2 The bidder should possess Class III Digital Signature Certificate (Mandatory).

(Commercial Bids will not be uploaded without Digital Signature Certificate) 2.3 M/s Antares Systems Ltd. may be contacted (as per details under) , in case of any

clarification/assistance required with respect to uploading of the Commercial Bid before the schedule date & time of Online Bid Submission.

Contact Persons:- Mr. Kumar Chandan : 09674758720 Mr. Debraj Saha : 09674758721 Helpdesk : 09674758722 E-mail : [email protected] [email protected]

3. Bidders are required to submit their Tender Request latest by 11.00 Hrs on 27.12.2017

(Last Date and time of sale of RFP) at the portal www.tenderwizard.com/abbank. Without the tender request process within the said schedule, the bidder will not be able to submit the Commercial bid online.


http://www.tenderwizard.com/abbank

http://www.tenderwizard.com/abbank

mailto:[email protected]

mailto:[email protected]

Allahabad Bank


4. The prospective bidders are advised to ensure on-line submission of Commercial Bid (Annexure - 8) only in a single pdf file with name “Comm.pdf” of size less than 5MB, duly signed and stamped by the authorized signatory latest by the last date and time of submission of Bids.

Bid Security

1. The bidder shall furnish a bid security for Rs. 50,00,000/- (Rs.Fifty Lakh only) as a part of their bid.

2. The Bid security is required to protect the Bank against the risk of Bidder’s conduct,

which would warrant the security’s forfeiture.

3. The Bid security shall be denominated in Indian Rupees and shall be one of the following forms:- • A bank guarantee for Rs. 50,00,000/- (Rs. Fifty Lakh only) issued by a Private sector /

Public Sector bank in India (other than Allahabad Bank), acceptable to the Bank, in the form as per format in Annexure-15, valid for Sixty (60) days beyond the validity of the Bid.

• A Banker’s Cheque / Demand Draft, issued by a Private Sector / Public sector Bank in India (other than Allahabad Bank), drawn in favour of Allahabad Bank payable at Kolkata for a sum of Rs. Rs. 50,00,000/- (Rs. Fifty Lakh only).

4. Unsuccessful Bidders’ Bid Security will be discharged or returned after the issuance of

Purchase Order to the Successful Bidder. The successful Bidder’s Bid Security will be discharged upon the Bidders signing the Contract and furnishing the Performance Security.

5. The Bid Security will be forfeited,

• If the Bidder: withdraws its Bid during the period of bid validity, or does not accept the correction of errors in accordance with the

Instructions to Bidders; or

• If the Bidder, having been notified of the acceptance of its bid by the Purchaser during the period of bid validity: fails or refuses to execute the Contract Form if required; or fails or refuses to furnish the performance security, in accordance with

the Terms & Conditions of the RFP or contract.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Modification and Withdrawal of Bids The bidder may modify or withdraw its bid after the bid’s submission, provided that the Bank receives written notice for modification or withdrawal of the bids, before the expiration of deadline prescribed for submission of bids. In case of modifications, the bidder is expected to resubmit entire bid before the last date of submission. Only addendums/amendments will not be accepted.

Rejection / Acceptance of Bid The Bank reserves the right to accept or reject any or all the bids without assigning any reason whatsoever. Any decision of the Bank in this regard shall be final, conclusive and binding on the bidder.

Cancellation of Bid The Bank reserves right to re-issue/re-commence the entire bid process and or any part in case of any anomaly, irregularity or discrepancy in regard thereof without assigning any reason whatsoever, at its sole discretion. The decision of the Bank in this regard shall be final, conclusive and binding on the bidder.

Period of Validity of Bids Validity Period: - Bids shall remain valid for 180 days from the last date specified for submission of bids in this RFP. The Bank holds the rights to reject a bid valid for a period shorter than 180 days. Extension of Period of Validity: - In exceptional circumstances, the Bank may solicit the Bidder’s consent to an extension of the validity period. The request and the response thereto shall be made in writing. Extension of validity period by the Bidder should be unconditional and irrevocable.

Pre-Bid Meeting The prospective bidders, who have purchased a copy of the RFP and submitted the bid price (for downloaded RFP), shall be permitted to attend a pre-bid meeting to be held as indicated in the Invitations for Bids. Up to a maximum of 2 (two) representatives of each prospective bidder will be permitted to attend the pre-bid meeting. However the Bank, at its discretion, may permit any additional representative of any prospective bidder to attend the pre-bid meeting. The purpose of the meeting is to clarify issues and to answer queries on any matter that may be raised up to that stage. The issues/queries to be raised must be in writing and submitted at


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 least 2 working days before the scheduled pre bid meeting. The Bank will have liberty to invite any outside agency, wherever necessary, to be present in the pre-bid meeting to reply to the queries of the bidders in the meeting. Any modification in the RFP, which may become necessary as a result of the Pre-Bid Meeting, shall be made by the Bank exclusively through the issue of an Addendum and will be sent to all prospective bidders who have purchased the RFP, at least 4 working days prior to the last date for submission of bids. Non-attendance at the Pre-bid Meeting will not be a cause for disqualification of a bidder. The text of the questions raised (without identifying the source of enquiry) and the responses given, together with amendment to the bid document, if any, will be posted on our web site and also informed to all purchasers of the bid documents.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Selection Strategy

Objective

1. The objective of the evaluation process is to evaluate the bids to select an effective and best fit solution at a competitive price. The evaluation will be undertaken by the Selection Committee formed by the Bank, which may also include external experts/consultants. The committee or authorised official shall recommend the successful bidder to be engaged for this assignment to the Board and the decision of our Board shall be final, conclusive and binding on the bidders.

2. Through this Request for Proposal, Bank aims to select a Bidder/ application provider

who would undertake the designing and implementation of the required solution. The Bidder shall be entrusted with end to end responsibility for the execution of the project under the scope of this RFP.

3. The Bank will scrutinize the offers to determine whether they are complete, whether

any errors have been made in the offer, whether required technical documentation has been furnished, whether the documents have been properly signed, and whether items are quoted as per the schedule. The Bank may, at its discretion, waive any minor non- conformity or any minor deficiency in an offer. This shall be binding on all Bidders and the Bank reserves the right for such waivers and the Bank’s decision in the matter will be final.

4. Bank may call for any clarifications/additional particulars required, if any, on the

technical/commercial bids submitted. The bidder has to submit the clarifications/ additional particulars in writing within the specified date and time. The bidder’s offer may be disqualified, if the clarifications/ additional particulars sought are not submitted within the specified date and time.

5. Bank reserves the right to call for presentation/s, product walkthroughs, on the features

of the solution offered etc., from the bidders based on the technical bids submitted by them. Bank also reserves the right to conduct Reference Site Visits at the bidder’s client sites. Based upon the final technical scoring, short listing would be made of the eligible bidders for final commercial bidding.

6. The evaluation will be a three-phase process:-

Phase 1 – Eligibility Criteria & Technical Bid Evaluation Phase 2 – Online Commercial Bid & Reverse Auction Phase 3 – Weighted Evaluation


Allahabad Bank


7. The Technical evaluation and the Commercial evaluation (post reverse auction) shall have the weight-age of 60% and 40% respectively for evaluation, and this weight-age shall be taken into consideration for arriving at the Successful Bidder.

NOTE: The Bank's decision in respect of eligibility criteria, evaluation methodology and short listing of bidders will be final and no claims, whatsoever in this respect, shall be entertained. The Bidders meeting the eligibility criteria as laid out in Section Eligibility Criteria would be shortlisted for the Technical Bid Evaluation.

Evaluation of Technical Bid The proposal submitted by the Bidders shall be evaluated on the following group of parameters. Bidder's Credentials Documentary evidence of volume handling and scalability Technical Requirement (TR) Response and Functional Requirement (FR) Response Product Demonstration and Bid Presentation Client Reference and Feedback User Friendliness & Mobility App Project Team Profile & Project Execution Planning 1. The marks are assigned for each individual parameter under these groups and marks

scored by each bidder under each parameter are aggregated to find out the total technical score of the bidder.

2. The score for evaluation of Different Systems shall be decided by the Internal Selection Committee.

3. The selection parameters are explained in following paragraphs 4. This evaluation will be carried out on a total score of 100 on the basis of the following

evaluation parameters defined in this section

# Evaluation Criteria Score 1. Company Credentials 10 2. Documentary evidence of volume handling and scalability 10 3. Technical Requirement (TR), Functional Requirement (FR)

Response 30

4. Product Demonstration & Bid Presentation 15 5. Client Reference and Feedback 10 6. User Friendliness & Mobility App 15 7. Project Team Profile & Project Execution Planning 10 Technical Score 100


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Scoring Methodology for Company Credentials

1. Presence in India and Abroad - 1 Mark 2. Positive Networth & Turnover of Rs. 100 Crores in last 3 Financial years (2014-15, 2015-

16, 2016-17) - 3 Marks 3. References of Strategic Projects in Hosted/Outsourced Model implemented in last 3

years - 3 Marks for 3+ References, 2 Marks for 2 References, 1 Mark for 1 Reference 4. References for Credit Card Solution - 3 Marks for 3+ References, 2 Marks for 2

References, 1 Mark for 1 Reference

Scoring Methodology for Documentary Evidence of Volume Handling & Scalability

1. RBI data published for Credit Card for last three months (for Indian References) - 2 Marks for one or more reference with more than 2 Lakh card volume.

2. Client Certifications received from Bidders - 4 Marks for 3+ Certificates, 2 Marks for 2 Certificate and 1 Marks for 1 Certificate

3. Product Capability Certificates issued by 3rd party and independent agencies - 4 Marks for relevant certificate

Scoring Methodology for Functional Requirements (FR) and Technical Requirements (TR)

1. The expected functional capabilities are given in Section 5. All the functional and technical requirements which are necessary for achieving regulatory compliance are mandatory. Bidder shall indicate the availability against each requirement/ capability. The means of indicating availability is given in the following table. The marks thus scored will be scaled to the Sub-Score given in Section above.

The Type of Response/Scale

Description** Max Marks

S Standardized, this scale indicates that this feature is a standard feature of the solution.

10

A Alternative available 7 C Customization required. Vendor will provide the

customization with the stipulated date of the phased rollout.

5

U Unavailable. Functionality is not available and will not be provided by the bidder.

0

**Any responses other than S/C/A/U are not acceptable and will be treated as U.


Allahabad Bank


2. The Software solution offered, however, should have at least 75% of the requirements as standardized. The remaining should be customized before “GO LIVE”, at no extra cost to the Bank.

Scoring Methodology for Product Demonstration and Bid Presentation (PB)

1. Eligible Bidders will be required to make presentations to supplement their bids and show a detailed product demonstration. The number of eligible bidders called for product demonstration is purely a matter of discretion of the Bank. The Bank will schedule presentations and the time and location will be communicated to the Bidders. Failure of a Bidder to complete a scheduled presentation to the Bank will result in rejection of the proposal.

2. The marks awarded under this parameter shall be based on the effectiveness of the

demonstrations and presentations made by the bidder. Using the Functional & Technical Requirements as a base in part or as a whole, the Bank may formulate a detailed questionnaire for the product demonstrations.

Scoring Methodology for Customer Reference & Feedback

1. Reference site visit/ Tele conference/Written Correspondence: The Bank requires the Bidders to provide at least THREE references from any Public or Private Sector Banks in India or abroad, amongst which at least two should be Public Sector Bank in India, where the solution has been deployed/under implementation as on date of submission of bid. Out of two PSBs, one should be running LIVE with a minimum volume of 2 Lakh Credit cards. Less marks will be given to references below 2 Lakh Credit cards.

2. A committee of officials from the Bank would carry out Reference Site Visits and/or

Telephonic interviews, Written Correspondence with the existing customers of the Bidder. The inputs that have been received from the Customer would be considered by the Bank and this might not need any documentary evidence. This scoring would be purely on the basis of inputs (like satisfaction of the organization of the product, timeliness of implementation, promptness of support services etc.) provided by the Bidder’s customers. The Bank at its discretion may reject the proposal of the Bidder without giving any reasons whatsoever, in case the responses received from the Site Visits are negative.

3. The Cost for travel and lodging for the team identified by the Bank will be borne by the Bank for site visits. However, the Bidder may be expected to facilitate these arrangements.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Scoring Methodology for User Friendliness and Mobility App

1. The front-end solutions should have omni-channel capabilities so that the look-and-feel and user experience remains absolutely same independent of the medium of access (desktop, tablet or mobile) - 6 Marks

2. The front-end solutions should be deployed on centralised framework such that any

changes/customizations will reflect on all devices simultaneously and does not need modification of code for separate device (eg. Any configuration change in the desktop portal will also reflect on mobile app) - 5 Marks

3. The mobility solution should give card customers access to all possible self-service

options including but not limited to the Functional & Technical requirement mentioned for Mobility - 4 Marks

Scoring Methodology for Project Team Profile & Project Execution Planning

1. The bidder is expected to provide, as a part of the technical bid, a detailed document that explains the approach and methodology proposed by the bidder for the implementation of the proposed solution. The “Approach and Methodology” adopted for the Implementation would be evaluated by Bank and would at the minimum cover Team Strength, Project Management and Training.

2. Team Strength: Team Strength in Proposed Team Profile, including the team profile

provided by the Bidder, would be evaluated. The Bidder should ensure that the people above the role of the Team Lead who are proposed for this project should have worked on projects in Banks earlier. The members of the proposed project team and team lead should have a minimum experience of 2 years and 5 years respectively in implementation of similar kind of projects in India /Abroad.

3. The Bank will require the Bidders to make presentations regarding the various aspects

of the proposed solutions. This process will also enable the Bank to clarify issues that may be identified from the Bidders’ responses to the RFP. The Evaluation Committee decided by the Bank would be scoring the presentation made by the Bidders at Bank’s premises based on a structured questionnaire broadly across the following:-

a. Project Execution Methodology b. Interface approach and methodology c. Adherence to Project Timelines d. Execution Competency (Solution Accelerators, Functional & Technical

Competency) e. Approach and Resource Commitment (for Managed Services and People profiles

of all key personnel as part of this project)


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Disqualification Parameters in Technical Bid Evaluation

1. The bidders who fail to score above or equal to 60% of the technical score shall be disqualified. If only one bidder/none of the bidders qualify, Bank at its discretion may select bidders with the top two/three technical scores for commercial evaluation.

2. Bank at its discretion may reject the proposal of the Bidder without giving any reason

whatsoever, if in Bank’s opinion, the Solution Sizing was not made appropriately to meet the performance criteria as stipulated by Bank and also where the responses received from the Site Visits are negative.

Evaluation of Indicative Commercial Bid & Online Reverse Auction

1. Only technically qualified Bidders (as per the laid out criteria) will be intimated to participate in the Online Reverse Auction to identify L1 (lowest quoted) Bidder. The comparison shall be between the prices quoted. Commercial per card per month will be considered as per the Commercial format mentioned in the Annexure – 8 i.e. The price should be inclusive of all Duties, Freight, Insurance, Delivery, Installation, etc. but exclusive of VAT/CST, Service Tax/GST, Octroi/Entry Tax only.

2. Computation Methodology for arriving at “Best Price”: The techno-commercial score

shall be calculated as follows: Total Score = (C-LOW / Cn) * C-weight + (Tn / T-HIGH) * T-weight Where, C-Low = Lowest Commercial Quote Cn = Commercial Quote of the Bidder being evaluated C – Weight = Weight of the Commercial Bid i.e. 40% Tn = Technical Score of the Bidder being evaluated T-High = Highest Technical Score T-weight = Weight of the Technical i.e. 60% Here C and T are the commercial and technical scores of the respective bidders.

The scores would be rounded-off to two decimal points. C-weight & T-weight shall be weighted on 40% and 60% criteria respectively. The evaluation criteria mentioned in this RFP is tentative and the score earned by the

bidders in accordance with the evaluation parameters listed out above does not confer them the right to be awarded the contract. Further, the Bank has sole discretion in selection of the successful bidder and decision of the Bank in this regard shall be final.


Allahabad Bank


Reverse Auction

Bank would conduct an online reverse auction process on the commercials submitted by the Bidders. As such it is necessary that authorized personnel of the firm or organization sign the BID. The designated personnel should be authorized by the organization or by a senior official of the organization having authority to do so. The same person or a different person should be authorized, who should have digital certificate issued in his name and should have authority to quote bid amount in the commercial bid and also quote offer price during on-line reverse auction. The details of digital certificate, like Name, Digital Key details, issuing authority and validity etc. to be provided later.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Scope of Work The detailed scope of work and requirements are given below. These details/ requirements have been given under separate headings/sections only for the purpose of better understanding and it is to be clearly understood that, as mentioned elsewhere in this RFP document, Allahabad Bank intends to outsource end-to-end Credit Card processing on hosted model at Bidder‘s premises in India. All costs associated with the delivery of services as per the scope of RFP should be borne by the Bidder, unless specified otherwise. The Bidder should be able to provide credit card solution platform as per specification of VISA/ MasterCard/ RuPay with following mandatory requirements:

1 Successful Bidder/Partner should install the credit Card processing setup and Authorization Host for the Bank in their own premises and should have hosted VAP (Visa Net Access Point)/ EAS (Extended Access Server), MIP (Member Interface Processor) and RuPay interface.

2 All required charges including for connectivity/port charges with networks should be borne by the bidder, Bank will only bear the cost of bin procurement, bin management and bank specific certification with the schemes (MasterCard/VISA/RuPay).

3 Successful Bidder is to connect it‘s infrastructure facility to Bank‘s at Data Centre / Disaster recovery site through leased Line/ MPLS network to enable bank users to access the bidder’s system.

4 Bank to ensure the entry and verification of application data in the system and subsequent underwriting / Credit limit assignment decisions. Bidder to receive the approved application data from the bank and ensure setting up of card accounts in bidder’s system and subsequent downstream activities.

5 The Successful Bidder should undertake operational activities related to account updation, account modification, demographic changes, payment standing instructions, recurring payment instructions, balance transfer request etc., received through physical change request form/ phone banking/ net banking etc. The system should generate letter/email/SMS for any such modification.

6 Integration between Successful Bidder‘s customer web module and the Banks net banking system & Bank‘s website would be required. The Bank would share the payment file at the end of the day for all successfully completed transactions at their end for payment posting to cardholders account and also for reconciliation purpose.

7 The Bidder should be able to provide comprehensive front-end solution for the bank credit card users where-in the users can log-in and access all the features through desktop, tablet or mobile device in a seamless way. The mobility solution should give card customers access to all possible self-service options including but not limited to the ones specified in functional requirements section.

8 SFTP (Secured file transfer protocol) would be used for transfer of Data between the Bank and the Successful Bidder. This would include various files for processing and also daily and periodic reports as needed by the Bank.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 9 The Bidder should provide all the Credit Card related data including Master data, application

data, transactional data etc. in the format specified by the Bank on a periodic basis in the mode specified by the Bank, if required.

10 The Successful Bidder should provide reliable help desk facility for customers with IVR, manned desk, queries raised through card portal/mobile app etc.

11 The Successful Bidder should manage the end-to-end Dispute management of chargeback processing and tracking the request through it entire lifecycle. The bidder should provide web interface to the Bank for entering the disputes in the system. This interface should provide the status of all the disputes received from various sources.

12 Pre-personalization including chip data creation shall be responsibility of the Successful Bidder. Bidder must provide facility of Image card as per requirement of the Bank.

13 Bidder/Its partners will also be responsible for plastic printing and dispatch to individual cardholders through courier/speed-post. The embossing partner identified by the bidder should be certified and approved by the schemes to issue CHIP-PIN cards. The embossing partner to ensure it abides by all security protocols and regulations from the schemes related to card printing. Bidder/It’s partner to manage and bear cost of procurement of plastics and plastic issuance/printing. Successful Bidder should have Disaster Recovery Site (DRS) and business continuity plan in force and these are to be tested regularly.

14 Successful Bidder is to do necessary customization and to implement changes to meet Bank‘s requirement and regulatory requirements during the currency of the Contract without any additional cost.

15 Successful Bidder should provide all relevant training to the Bank personnel as under: • Contract start-up training session - At the start of the contract, the Bidder shall

provide initial on-site training to Bank staff covering features of the application processing, card, billing procedures, available reports and the application process etc.

• Training materials - The Bidder shall also provide written materials that will be used by Bank.

• Telephone and e-mail support - The Bidder shall provide telephonic support and support through e-mail to the Bank‘s staff.

• Bank may undertake any additional training programs or aids such as video-conferencing, on-line support etc.

16 Successful Bidder shall carry out credit card operation and is to give end-to-end solution covering the scope of work mentioned above and inter-alia, the following activities the details of which are given at Annexure 5 and agreed to be provided by the Successful Bidder:

• Application Processing • Card Personalization • Card Activation • Product Management • Authorizations • Transaction Processing


Allahabad Bank


• Payment Processing • Customer Services • Loyalty Management • Fraud and Risk Management • Interface with Bank’s Net Banking • Financial Accounting • Regulatory Compliance • MIS Reporting • Bank User Screens • Comprehensive customer front-end solution including portal and mobile

application

17 The Successful Bidder should ensure that all the requirements as mentioned above and in Annexure- 5 should be available within two months from the date of signing the Contract. The non-availability of any of the above functionality will attract penalties.

18 Settlement • Re-arrange Settlement Report and re-group various items as per our format. • Prepare group wise summary. • Create GL update batch file and give the same for input into Bank's accounting

software. • Quarterly report of Retail Sale and Cash Transactions (Local and International

separately) to be sent to Visa, MasterCard AND NPCI.

19 Customer Care Centre

Customer-care help line should be provided. It shall be the responsibility of the Service Provider to install necessary hardware, peripherals and software and enough manpower to the customer care Centre at processing center and during working hours at the credit card Department of the Bank.

20 Technical Requirements for Credit Card Outsourcing. • The Service Provider to arrange all the required software and hardware at the

agreed location for providing the intended services to the Bank. • Service Provider/Partner must have switch solution connected and certified by

RuPay, VISA & MasterCard for credit card operations, including hardware and software environment.

• The bidder should have all the necessary interfaces required for direct connection to the any other bank's system for on-line access.

21 Other Issues • The service provider/partner must be already registered or willing to register as

a third party service provider with MasterCard/ VISA and NPCI. In either case the Service provider must bear the cost of such registration and its further renewals during the currency of the contract. The same will apply in the case of registration any other card association or council with which the Bank may enter


Allahabad Bank


into strategic alliance to issue Cards. The service provider must also agree to abide by all statutory requirements by the authorities in India and the Reserve Bank and standards laid down by the Payment Card Industry Security Standards Council/MasterCard/ VISA /NPCI or any such entity.

• The Service Provider shall comply with all present or future requirements including Audits of MasterCard and VISA/ NPCI or any other entity, during the currency of the contract. Any penalties/fees levied by these agencies for non-compliance shall be to the Service Provider's account.

• The software should have the provision to store the customer — ID to be provided in the core-banking module.

• Company should be able to provide online query modules to the Bank free of cost. The Service Provider shall provide the necessary software required for this purpose. Bank may also be provided with other functionalities like hot listing of card etc., in future. Software should have provision for the same. The software and connectivity cost at the affiliate branch for the above purposes will be on the service provider.

• Service Provider/Partner should have variable printing and variable stuffing capability for the bill printing and dispatching the bills, embossed cards etc.

• Providing M.I.S. Reports to the Bank regarding all above mentioned activities in Electronic as well as printed form at periodical intervals as stipulated by the Bank from time to time. Bank reserves the right to change the format and or periodicity of the reports / data or request additional reports / data any time. For any changes in periodicity and formats of reports etc. Any additional information required by the Bank at any unscheduled time should be generated and supplied.

22 Service Provider should transfer data to the proposed call center in prescribed format as frequently as required and / or provide an interface to the same.

23 The above list of scope of the work is only illustrative, since RFP is for ―‖ solution, any other job required for that will be part of the RFP and successful bidder will have to perform that without any extra cost.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Terms and Conditions of Contract (TCC) This part postulates, in broad terms, the conditions of contract and contractual obligations, which shall be the subject matter of discussions and consultation between the Bank and the successful bidder and points emerging out of such consultation shall form part of the SLA.

1. If the Bid includes equipment products /services /software and/or support by other companies or individuals, the Bidder as the principal Bidder shall be responsible for their delivery, installation and maintenance and uninterrupted operations. The Bidder must ensure that they possess the necessary expertise for executing aforesaid task and the requisite permission/license for the equipment/software. It will be the responsibility of the Bidder to enter into inter- se agreement with such other service provider(s) so as to ensure uninterrupted operations.

2. Bidder should have all necessary licenses, permissions, consents, no objections,

approvals as required under law for performing the Services.

3. If the Bid includes equipment in addition to the above, the Bidder would also be required to ensure the following: a) In case any part of the work If process is required to be out-sourced by the Bidder,

the Bidder shall seek prior approval of the Bank. b) The Bidder must ensure and confirm due diligence / KYC / Physical verification of its

own as well as the employees of its service providers / sub-contractors and must be able to provide documentary evidence for the same if required.

Payment Terms

1. Payment shall be made in Indian Rupees, on monthly basis after Bill submission by the service provider, for the services rendered during the previous month as per the Agreement. Bank will pay for all the undisputed Bills. Payment will be made after deducting the Penalties as applicable due to delay/ deficiencies in the services.

2. Prices payable to the Service Provider as quoted in the Price Schedule shall be firm and

not subject to adjustment during performance of the Contract, irrespective of reasons whatsoever, including exchange rate fluctuations, changes in taxes, duties, levies, charges, etc. All prices will be valid during the currency of the Agreement.

Assignment: The Service Provider shall not assign to any third party, in whole or in part of their obligations to perform under the Contract, except with the Bank's prior written consent.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Subcontracts:

1. The Service Provider should advise the Bank in the documents in writing of all the subcontracts that have been already awarded with complete details such as the activity, function, agency with whom they entered into sub contract, period of contract, etc.

2. The Service Provider shall attach a certified copy of the agreement of the subcontract

already entered into with each of the agencies/ firms/ companies to the Bank.

3. In case the service provider intends to enter into sub contract regarding any activity or function during the currency of the contract, they should inform the Bank in writing the activity and or functions for which they want to enter into subcontract for prior approval.

4. The service provider has to submit a copy of the agreement of the subcontract entered

by them in future, to the Bank for prior approval.

5. Any subcontract that has already been entered into or to be entered into by the service provider shall not relieve the Service Provider from any liability or obligation under the Agreement.

6. All Subcontracts already entered into or to be entered into by the service provider must comply with the provisions of TCC.

Out-sourcing

1. The Bidder should notify the activities and or functions that they have already outsourced or propose to outsource in the technical bid document and the names of the agencies/companies with complete details such as the activity, function, agency with whom they entered into for outsourcing, period of contract, etc.

2. The Service Provider shall attach a certified copy of the agreement of the outsourcing

already entered into with each of the agencies/ firms/ companies to the Bank.

3. In case the service provider intends to enter into outsource regarding any activity or function during the currency of the contract, they should inform the Bank in writing the activity and or functions for which they want to outsource for prior approval.

4. The service provider has to submit a copy of the agreement of the outsourcing to the Bank for prior approval.

5. Any outsourcing activity that has already been entered into or to be entered into by the service provider shall not relieve the Service Provider from any liability or obligation under the Agreement.


Allahabad Bank


6. All outsourcing already entered into or to be entered into by the service provider must

comply with the provisions of TCC. Taxes and Duties: The quoted prices shall be excluding service tax/GST only and will be treated as inclusive of exchange rate fluctuations, all other taxes, statutory liabilities, applicable levies, charges, license fees, royalties etc. If any tax is levied by virtue of law in force after awarding of the Contract, it will be the bidder‘s responsibility and will be borne by the Bidder and Bank will not incur any liability. In case Bank has to pay such taxes/dues for restoration of Services, it will have right to deduct the same from the amount payable to the Bidder. Income / Corporate Taxes in India:

1. The Service Provider shall be liable to pay all corporate tax, income tax and any other tax that shall be levied according to the laws and regulations applicable from time to time in India. The Bank's liability is restricted to the payment of charges to the Service Provider as per SLA.

2. Wherever the laws and regulations require deduction of any taxes at the source of

payment, the Bank shall effect such deductions from the payment due to the Service Provider. The Bank shall remit such monies to the competent authority and furnish certificate of deduction as provided in the relevant law under which such deductions are made.

Service Provider Integrity:

1. The service provider shall use / procure only properly licensed software for carrying out its obligations under the agreement.

2. The Service Provider is responsible for and obliged to conduct all contracted activities in

accordance with the agreement using state-of the-art machinery and economic principles and exercising all means available to achieve the performance specified in the agreement.

3. Service Provider's obligations:

a) The Service Provider is obliged to work closely with the Bank's staff, act within its

own authority and abide by directives issued by the Bank in executing the contract / the Agreement. The Service Provider shall follow industry 'Best Practices'.

b) The Service Provider will abide by the job safety measures prevalent in India and will

free the Bank from all demands or responsibilities arising from accidents or loss of life, the cause of which is the Service Provider's negligence. The Service Provider will


Allahabad Bank


pay all indemnities arising from such incidents and will not hold the Bank responsible or obligated.

c) The Bidder is obliged to hold in trust any confidential information Received by it, under the RFP/ Contract, and the strictest of the confidence will be maintained in respect of such information. Cardholder data is a valuable asset and proprietary of the Bank. Under no circumstances shall the Service Provider disclose, publish, part with, sell or make it available to any other third party, except its own employees/Agents who are required to handle this information in the normal course of their duties. Service Provider shall allow access to such employees to only that portion of the data, which is required by them to discharge their duties. It is obligatory for the Service Provider to ensure complete confidentiality by its employees. Suitable clauses will be incorporated in the SLA governing maintenance of confidentiality and secrecy of cardholder data made available to and resting with the service provider.

d) The Bidder will restrict access and disclosure of Information to such of their employees, agents, strictly on a "need to know" basis, to maintain confidentiality of the information disclosed to them in accordance with this Clause and to treat all Information as Confidential Information. Confidential Information does not include information which: i. The Bidder knew or had in its possession, prior to disclosure, without limitation

on its confidentiality; ii. Is independently developed by the Bidder without breach of the Contract/RFP; iii. Information in the public domain as a matter of law; iv. is received from a third party not subject to the obligation of confidentiality with

respect to such information; v. Is released from confidentiality with the written consent of Bank.

However it will be bidder‘s responsibility to prove that the information in the possession of the bidder falls under the above category. Notwithstanding the foregoing, the Bidder acknowledge that the nature of the service(s) to be performed under the Contract/RFP may require the Successful Bidder(s) personnel to be present on premises of Allahabad Bank or may require the Successful Bidder(s)‘ personnel to have access to computer networks of Allahabad Bank while on or off premises of Allahabad Bank. It is understood that it would be impractical for Allahabad Bank to monitor all information made available to the Successful Bidder(s) under such circumstances and to provide notice to the Successful Bidder(s) of the confidentiality of all such information. Therefore, the Successful Bidder(s) agree(s) that any technical or business or other information of the Bank that the Successful Bidder(s) personnel, or agents acquire while on the Bank‘s premises, or through access to Bank‘s computer systems or databases while on or off Bank‘s premises, shall be deemed Confidential Information. Confidential Information shall at all times remain the sole and exclusive property of Allahabad Bank. Upon termination of the Contract, Confidential Information shall be returned to Allahabad Bank or destroyed, if incapable of


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RFP Ref. No. HO/IT&DB/CC/2017-18/O1 return. The destruction shall be witnessed and so recorded, in writing, by an authorized representative of each of Allahabad Bank and the Successful Bidder(s). Nothing contained herein shall in any manner impair rights of Allahabad Bank in respect of the service(s), and documents, etc. All the information relating to the credit card holders (including but not limited to any information pertaining to the applicants for issue of credit card) shall at all times remain Confidential Information and shall be held in trust by the Successful Bidder on behalf of Allahabad Bank and the Bidder shall not use the same for any purpose other than for the performance of the Services and towards compliance of obligations under RFP/the Contract. Inspection and Audit of the services:

1. Service Provider will allow the authorized officials of the Bank to inspect the card personalization bureau, any of its offices or any other manufacturing set-ups or establishments, and any records pertaining to the work mentioned in SLA during office hours with prior notice.

2. The Successful Bidder shall provide unrestricted access to its premises and records being

maintained with regard to the job being performed as per its contract with the Bank, to the authorized personnel of the Bank / its auditors (internal and external)/ any statutory / regulatory authority / authorized personnel from RBI/ PCIDSS to carry out any kind of process audit including that of its operations and records (including making available the copies of the same) related to Bank‘s Credit Card Business in the presence of representatives of the Successful Bidder, at any point of time. This will be applicable and extended to any entity to which the Successful Bidder has outsourced any part of the prescribed activity under Bank‘s Credit card operations. It shall be the responsibility of the Successful Bidder to ensure unrestricted access to the authorities/ officials as mentioned above to the places where such services are outsourced, for inspection and verification.

3. The Bank will be at liberty to share the agreement or the information as provided by the

service provider to RBI or any other regulatory/statutory authority and access to the books of accounts of the service providers.

4. Service Provider will be responsible for arranging secured transmission of Card related

data files from various centers, transmission of data to the Switch, receiving and submitting various MIS reports etc.

5. Service Provider shall promptly provide any information relating to the outsourced work

as may be required by the Bank from time to time.

6. Service Provider shall provide to the Bank two sets of milestone backup of entire database on DVD/ CD at the end of every month. Including settlement Data received


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from MasterCard / Visa/ NPCI & any other such agency, relating to Bank. Service Provider should have a well-defined business continuity and disaster recovery plan in place. Details of such plans should be provided in the bid.

7. The Service Provider shall give an undertaking to comply with and abide all byelaws,

rules, policies, operating guidelines and procedures and mandates laid down by MASTER CARD/ VISA and NPCI regulations from time to time.

8. In case Service Provider has to be registered under Master Card/ VISA/ NPCI as third

party service provider to the Bank, it agrees that such registration shall be facilitated through the Bank and the fee for such registration and its renewals shall be borne by the Service provider.

9. Service Provider shall execute all such necessary agreements/ documents as prescribed

by Master Card, VISA and NPCI ( in future if required) from time to time. Patent Rights: In the event of any claim asserted by a third party of infringement of copyright, patent, trademark, industrial design rights, etc., arising from the use of the hardware / software in India by the Service Provider in fulfillment of its obligations under the contract, the Service Provider shall act expeditiously to extinguish such claim. If the Service Provider fails to comply and the Bank is required to pay compensation to a third party resulting from such infringement, the Service Provider shall be liable to compensate the Bank for all such payments made including all expenses, court costs and lawyer fees etc. The Service Provider shall indemnify and keep the Bank indemnified in this connection. The Bank will give notice of any such claim to the Service Provider without delay and Service Provider shall reimburse such monies expeditiously, in case Bidder fails to compensate the Bank, bank will be entitled to recover the same from monthly bill settlements and/or by invoking BG given by the bidder. PIN related Work

1. The work of PIN generation, PIN mailer Printing, stationary and dispatching it to the Branches/customer should be carried out by the Service Provider from their Premises. Service Provider should use Hardware Security Module (HSM) for PIN generation.

2. Mode and means of dispatch of the Credit Cards and the PIN mailers will be at the sole

discretion of the Bank. The Bank may decide to engage the services of Indian Postal authority and or courier service as they think fit. Bank will have the discretion to change the mode and means of dispatch of the Credit cards and the PIN mailers and Bank's decision will be binding upon the service provider.


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3. Bank may change Pin process in future. Delivery may be through any other mode like secured password protected SMS/ email, or self generation by the card holder, in those circumstances existing system will be replaced by new one.

Welcome letter and other collaterals.

1. The Bank shall provide the matter to be printed on the collaterals as per specifications, to be sent to the cardholders along with the Credit cards/statements.

Software, Hardware, Peripherals and other infrastructure. All the operating systems, application software, hardware, printers, other peripherals, security modules like HSM, any other equipment needed for encryption and decryption of data, dial up connections or any other infrastructure required for transmission of data files — required for Credit Card Personalization and other related work — in a secure way between Bank's establishments at various centers and Service Provider's premises, PIN mailers and anything else required for meeting Service Provider's obligations — blank plastic, printed matter, all will be arranged by the bidder. Only courier charges for Pin mailer and Card dispatch will be borne by the Bank. Office space for PIN generation and PIN mailer printing — shall be the sole responsibility of the Bidder. If bidder expects anything else, such requirement must be made clear in the bid. Bank may at its sole discretion agree to provide them. Bank's decision shall be final. Should the Bank decide against such a request, it shall be Service Provider's responsibility to provide such requirement at no extra cost to the Bank. Resolution of Disputes

1. The Bank and the Service Provider shall make every effort to resolve any disagreement or dispute arising between them under or in connection with the SLA amicably by direct informal negotiation. In case of dispute or difference arising between the Bank and a Service Provider relating to any matter arising out of or connected with the agreement to be entered into, such disputes or difference shall be settled in accordance with the Arbitration and Conciliation Act, 1996. The arbitration tribunal shall consist of one arbitrator, who will be appointed by the Bank and the Service Provider. In case of failure of the Bank and the Service Provider to reach upon a consensus within a period of 30 days for the appointment of the Arbitrator, the matter shall be referred to the Hon. Chief Justice of High Court of Kolkata for nominating the Arbitrator.

2. Arbitration proceedings shall be held at Kolkata, India, and the language of the

arbitration proceedings and that of all documents and communications between the parties shall be English.

3. The decision of the Arbitrator shall be final and binding upon both parties.


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4. The cost and expenses of Arbitration proceedings will be paid as determined by the arbitration tribunal. The expenses incurred by each party in connection with the preparation, presentation, etc., of its proceedings shall be borne by the party concerned. However the fees and the expenses paid to the Arbitrator shall be borne and shared equally by the Bank and the Service Provider.

5. The Successful Bidder(s) shall not stop the work under the Contract during the

arbitration proceedings unless otherwise directed in writing by the Bank or unless the matter is such that the work cannot possibly be continued until the decision of the arbitrator is arrived at. However during such a contingency, the Bank shall be entitled to make alternative arrangements to tackle the situation in any manner it deems fit, at the cost of the Bidder, so that the business of the Bank is not disrupted.

Cancellation and Termination of the contract The agreement with the service provider shall be valid for a period of three years. However the same can be terminated by the Bank after giving 1 month notice to the vendor. Bank may exercise this right of termination, if the services are not satisfactory, contract terms are not complied or bidder has become bankrupt/ under liquidated or been blacklisted. These reasons are listed below in brief (only indicative and not exhaustive):

• The Successful Bidder commits a breach of any of the terms and conditions of the Bid/ RFP/ the Contract.

• The Successful Bidder goes into liquidation, voluntarily or otherwise. • An attachment is levied or continues to be levied for a period of seven days upon

effects of the Bid. • The progress regarding execution of the order accepted, made by the Successful

Bidder is found to be unsatisfactory. • If deductions on account of liquidated damages exceeds more than 2% of the

total Contract value. • After the award of the Contract, if the Successful Bidder does not perform

satisfactorily or delays execution of the Contract. • In other reason, approved by Bank’s Board

If for any reason, the Contract is cancelled, Allahabad Bank reserves the right to get the works executed through alternate sources at the risk, cost and responsibility of the Successful Bidder. Allahabad Bank reserves the right to recover any dues payable by the Successful Bidder from any amount outstanding to the credit of Successful Bidder, including the pending bills and/or invoking the Bank guarantee under this RFP / Contract. Successful Bidder shall not have any claim against the decision of Allahabad Bank and decision of Allahabad Bank shall be final and conclusive and shall be binding on the Successful Bidder. Governing Language/ Addresses


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RFP Ref. No. HO/IT&DB/CC/2017-18/O1 The governing language of the Bid and subsequent Contract and the Agreement shall be in English. The following shall be the address of the Bank for serving the notice; Bank's address for notice purposes: Asstt. General Manager (IT), Department of Information Technology & Digital Banking, Allahabad Bank, Head Office, 2, N.S. Road, Kolkata – 700 001 West Bengal Suppliers address for notice purposes (To be filled in by the Supplier) Performance Security:

1. The Successful Bidder shall furnish the performance security (Bank Guarantee) within 15 days of the receipt of acceptance by Bank, as per the format in Annexure-12.

2. The value of the performance bank guarantee will be 1.5 Crores. The performance

security shall be denominated in Indian Rupees and shall be in the form of Bank Guarantee issued by an Indian scheduled commercial bank and directly forwarded by the issuing Bank to Allahabad Bank.

3. The proceeds of the performance security shall be payable to Allahabad Bank as

compensation for any loss or damage resulting from the Successful Bidder's failure to complete its obligations under and in accordance with the Contract.

4. In case performance guarantee amount reduces from the initial deposit due to penal

deductions, etc., it shall be made up / replenished back to the initial amount deposited within [15] days of such penal deductions, etc. being effected.

5. As the Contract is for tenure of three years, the Successful Bidder shall provide

performance Bank guarantee for a period of three year and 6 months from the date of award of Contract, indemnifying the Bank against any loss. The bank guarantee shall be provided to office specified by the Bank within 15 days from the date of receipt of acceptance letter from the Bank.

Failure of the Successful Bidder to comply with the requirement of the performance bank guarantee shall constitute sufficient grounds for the annulment of the award and forfeiture of the EMD, in which event Bank may award the Contract to the next best evaluated Bidder or call


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RFP Ref. No. HO/IT&DB/CC/2017-18/O1 for new bids. Any decision in this regard by Bank shall be final, conclusive and binding on the Bidder. Expenses for the Contract: The incidental expenses of execution of Contract including but not limited to payment of proper stamp duty shall be borne by the Successful Bidder. Representations and Warranties In order to induce Allahabad Bank to enter into the Contract, the Bidder hereby represents and warrants the following:

1. It is duly organized and validly existing company under Indian Laws. 2. It has power and authority to execute and deliver the Contract and has taken all

necessary steps to authorize execution, delivery and performance as per contract. 3. It meets the requisite eligibility criteria as set out in the RFP. 4. It is not involved in any major litigation and no litigation or investigation is threatened

against it. That the existing or threatened litigations or investigations do not have an impact of affecting or compromising the performance and delivery of Service(s) under the presents.

5. The representations made by it in its Bid are and shall continue to remain true and fulfill all the requirements as are necessary for executing the duties, obligations and responsibilities as laid down in the Contract and RFP and unless Allahabad Bank specifies to the contrary. It has not suppressed any information, which is within the knowledge of the Bidder.

6. The execution of the Service(s) herein is and shall be strictly in accordance and in compliance with all applicable laws, as amended from time to time, the regulatory framework governing the same and the Good Industry Practice. It has all permissions, consents, approvals and license from all authorities, both regulatory / statutory and non-regulatory, for executing the Service(s);

7. It is authorized and legally eligible and otherwise entitled and has power and authority to do all things necessary and appropriate and to consummate the Service(s).

8. Neither the execution and delivery of the Contract nor the Bidder‘s compliance with or performance of terms and provisions of the Contract shall contravene any provisions of law or any order, writ, injunction or decree of any Court or Government authority nor shall it violate any provisions of its constitutional documents or any agreement or arrangement to which it is a party.

9. The Credit Card issuance services under outsourced model offered to the Bank do not violate any provisions of the applicable laws, regulations or guidelines including laws relating to intellectual property rights, legal and environmental. In case there is any violation of any law, rules or regulation, which is capable of being remedied the same will be got remedied immediately during the implementation, maintenance and contract period to the satisfaction of the Bank.

10. If it having been notified fails to remedy the defect(s) within the period specified, Bank may proceed to take such remedial action as may be necessary, at the Bidder‘s risk and


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expense and without prejudice to any other rights which Bank may have against the Bidder under and in accordance with the Contract.

11. It has made or shall make all necessary arrangement for delivery of the Service(s). In case of failure on the part of Bidder to provide any material / service as mentioned, Bank has a right not to pay for such particular part of material / service and has also right to deduct penalties for such damages. Any decision of Bank in this regard shall be final, conclusive and binding on the Bidder.

Insurance: The Successful Bidder shall take adequate insurance cover against all kinds of risks including fidelity clause for the loss arising from acts of omission/ commission/ dishonesty of its employees and/ or agents and would be required to keep the insurance policy alive at all times during the currency of the Contract. Delivery period (Setup period): The Successful Bidder shall complete the requisite setup for smooth functioning of Credit card operations within Two months from the date of signing the Contract. Standard of Performance: The Successful Bidder shall perform the Service(s) and carry out its obligations under the Contract/ this RFP with due diligence, efficiency and economy, in accordance with generally globally accepted techniques and practices used in industry and with professional engineering standards recognized by the international professional bodies as per Best Industry Practices. The Successful Bidder shall safeguard Bank‘s legitimate interests in any dealing with third parties. Liquidated Damage/Penalty:

1. If the Successful Bidder fails to deliver or perform the Services as stipulated in the Contract, Allahabad Bank shall, without prejudice to its other remedies available under the RFP/Contract, deduct as liquidated damages a sum maximum to All penalties will be applicable as per Annexure 19 and capped to 10% of invoice value. If there is delay of more than 3 months in project go live , Bank will have right to invoke PBG/EMD.

2. Any loss caused to the Bank or claims made against the Bank owing to non-performance of the Services by the Successful Bidder as per the Contract, or non-compliance of regulatory guidelines, will attract liquidated damages to the extent that the claim is made against the Bank. The Bank reserves the right to recover this amount from any dues payable or to accrue to the Successful Bidder in future in any form.

3. Any financial loss to the Bank on account of fraud taking place due to Successful Bidder,

its employees or their service providers negligence shall be recoverable from the Successful Bidder along with damages if any with regard to Bank‘s reputation and goodwill.


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RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Execution of Non Disclosure Agreement (NDA): The Bidder should execute Non- Disclosure Agreement (NDA) as per Annexure - 2. Indemnity: The Successful Bidder shall execute and furnish to Allahabad Bank, a deed of indemnity in favor of the Allahabad Bank in a form and manner, indemnifying, the Allahabad Bank, its directors, employees, agents, its affiliates, subsidiaries, successors, assigns and representatives from and against any costs, loss, damages, expense, claims, litigations, suits, actions, judgments, and or otherwise including but not limited to those from third parties or liabilities of any kind howsoever suffered, arising out of or incurred inter alia during and after the Contract period including but not limited to third-party claims due to infringement of patent, trademark, Intellectual Property Rights, copy-rights or industrial drawings and designs arising from use of the Services or any part thereof and/or otherwise. The provisions under this clause shall survive the termination of the Contract. Authorized Signatory: The Successful Bidder shall indicate the authorized signatories who can discuss and correspond with Allahabad Bank with regard to the obligations under the Contract/RFP. The Successful Bidder shall at the time of signing the Contract submit a certified copy of the resolution of their board, authenticated by the company secretary, authorizing an official or officials of the Bidder to discuss, sign agreements/contracts with Allahabad Bank , raise invoice and accept payments and also to correspond. The Bidder shall provide proof of signature identification for the above purposes as required by Allahabad Bank. Signing of Bid: Each Bid will be submitted in the legal name of the Bidder and shall be signed and duly stamped by the Bidder or a person duly authorized to sign on behalf of the Bidder. Ownership and Retention of Documents:

1. Allahabad Bank shall own the documents, prepared by or for the Bidder arising out of or in connection with the Contract/RFP.

2. Forthwith upon expiry or earlier termination of the Contract and at any other time on demand by Allahabad Bank, the Bidder shall deliver to Allahabad Bank all documents provided by or originating from Allahabad Bank and all documents produced by or from or for the Bidder in the course of performing the service(s), unless otherwise directed in writing by Allahabad Bank, at no additional cost.

3. The Bidder shall not, without the prior written consent of Allahabad Bank, store, copy, distribute or retain any such documents.

4. Bidder shall preserve all documents provided by or originating from Allahabad Bank and all documents produced by or from or for the Bidder in the course of performing the Service(s) in accordance with the legal, statutory, regulatory obligations of Allahabad Bank in this regard.

Publicity: Any publicity by the Bidder in which, the name of Allahabad Bank is to be used, should be done only with the explicit written permission of Allahabad Bank.


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RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Assignment: The Successful Bidder shall not assign to anyone, in whole or in part, its obligations to perform under the Contract/RFP, except with the Bank‘s prior written consent. Intellectual property rights: The Bank will own all Intellectual Property Rights to all design, software and/or systems created specifically for credit card operations at the Bank under this contract. The Bidder shall fully protect/indemnify the Bank from all legal actions, claims or damages from third parties arising out of use of software, designs or processes used by the Bidder. Relationship between the Parties:

1. Nothing in the Contract constitutes any fiduciary relationship between Allahabad Bank and Successful Bidder/its team or any relationship of employer - employee, principal and agent, or partnership, between Allahabad Bank and the Successful Bidder.

2. No Party has any authority to bind the other Party in any manner whatsoever, except as

agreed under the terms of the Contract.

3. Allahabad Bank has no obligation to the Successful Bidder‘s except as agreed under the terms of the Contract.

4. All employees/personnel/ representatives/agents etc., engaged by the Successful Bidder

for performing its obligations under the Contract/RFP shall be in sole employment of the Successful Bidder and the Successful Bidder shall be solely responsible for their salaries, wages, statutory payments etc. Under no circumstances, shall Allahabad Bank be liable for any payment or claim or compensation (including but not limited to any compensation on account of any injury / death / termination) of any nature to the employees/personnel/representatives/ agent etc. of the Successful Bidder.

5. The Successful Bidder shall not make or permit to be made a public announcement or

media release about any aspect of the Contract unless Allahabad Bank first gives the Successful Bidder its prior written consent.

Conflict of interest

1. The Bidder should not be owned or controlled by any Director or officer/ employee of the Bank or their relatives having the same meaning as assigned under section 6 of the Companies Act, 1956.

2. The Successful Bidder shall disclose to Allahabad Bank in writing, all actual and potential

conflicts of interest that exist, arise or may arise (either for the Successful Bidder or its team/agents/representatives/personnel etc.) in the course of performing the Services as soon as practical after it becomes aware of that conflict.


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3. Penalty for delay in contract execution and other Terms:

a) For any delay in commencement of activities on the part of Bidder beyond two months b) after signing of the Contract with the Bank, a penalty will be charged. c) If the Bidder fails to deliver or perform the Services within stipulated time schedule as

decided in SLA, Allahabad Bank will, without prejudice to its other remedies available under the Contract, deduct from the ordered price, the liquidated damages, i.e., a sum equivalent to maximum of 10% of the billing amount for the succeeding month. Allahabad Bank reserves all the rights to levy the penalties under the contract in case satisfactory services are not restored.

d) Bank is entitled to withhold or deduct liquidated damages from the price under the contract or any other amount, which is due to Bidder from this contract, or any other contract.

e) Notwithstanding anything contained in this RFP/ the Contract or in any other document(s)

a. Under no circumstances Allahabad Bank shall be liable to the Successful Bidder

and/or its employees/personnel/representatives/agent etc. for direct, indirect, incidental, consequential, special or exemplary damages arising from termination of the Contract.

b. Allahabad Bank shall not have any liability whatsoever in case of any third party claims, demands, suit, actions or other proceedings against the Successful Bidder or any other person engaged by the Successful Bidder in the course of performance of the service.

c. Any payments made to and received by authorized Successful Bidder personnel shall be considered as a full discharge of Allahabad Bank‘s obligations for payment under the Contract.

Contract Amendments: No variation in or modification of the terms of the Contract shall be made except by written mutual consent signed by both the Parties i.e. the Successful Bidder and Allahabad Bank. The Successful Bidder, however, agrees it shall be bound to amend the Contract, if so required by Allahabad Bank, for giving effect to any amendment, modification etc. in the applicable laws including but not limited to amendment/modification etc. in the Reserve Allahabad Bank Act, 1934/ the Banking Regulations Act, 1949 and/or to give effect to any modifications, amendments or fresh guidelines issued/imposed by RBI. Termination

1. Allahabad Bank may, without assigning any reasons, terminate the Contract by giving Successful Bidder, a prior and written notice of One (1) months indicating its intention to terminate the Contract.


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2. Service Provider will provide all necessary assistance in ensuring a smooth transition of services, all Card related data to the alternate Service Provider identified by the Bank in case of termination of contract or expiry of the contract period.

Consequences of Termination

1. In the event of termination of the Contract due to any cause whatsoever, [whether consequent to the stipulated term of the Contract or otherwise], Allahabad Bank shall be entitled to impose any such obligations and conditions and issue any clarifications as may be necessary to ensure an efficient transition and effective business continuity of the Service(s) which the Successful Bidder shall be obliged to comply with and take all available steps to minimize loss resulting from that termination/breach, and further allow the next successor Bidder to take over the obligations of the erstwhile Successful Bidder in relation to the execution/continued execution of the scope of the Contract.

2. In the event of termination of the Contract due to efflux of time where the term is not

extended by Allahabad Bank, the Successful Bidder shall be obliged; to provide all such assistance to the next successor Bidder or any other person as may be required and as Allahabad Bank may specify including training, where the successor(s) is a representative/personnel of Allahabad Bank, to enable the successor to provide adequately the Service(s) hereunder, even where such assistance is required to be rendered for a reasonable period that may extend beyond the term/earlier termination hereof.

3. Where the termination of the Contract is prior to its stipulated term on account of a

default on the part of the Successful Bidder or due to the fact that the survival of the Successful Bidder as an independent corporate entity is threatened/has ceased, Allahabad Bank shall pay the Successful Bidder for that part of the Service(s) which have been authorized by Allahabad Bank and satisfactorily performed by the Successful Bidder up to the date of termination. Without prejudice to any other rights, Allahabad Bank may retain such amounts from the payment due and payable by Bank to the Successful Bidder as may be required to offset any losses caused to Bank as a result of any act/omissions of the Successful Bidder. In case of any loss or damage due to default on the part of the Successful Bidder in performing Services or any failure to perform any of its obligations under the Contract, the Successful Bidder shall compensate Allahabad Bank for any such loss, damages or other costs, incurred by Allahabad Bank. Additionally, the sub Bidder (if any) other members of its team shall continue to perform all its obligations and responsibilities under the Contract in an identical manner as were being performed hitherto before in order to execute an effective transition and to maintain business continuity. All permitted third parties shall continue to perform all / any functions as stipulated by Allahabad Bank and as may be proper and necessary to execute the Service(s) under the Contract in terms of the Successful Bidder‘s bid and the Contract.


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4. Nothing herein shall restrict the right of Allahabad Bank to invoke the performance bank guarantee and/or other guarantees, securities furnished, enforce the Deed of Indemnity and pursue such other rights and/or remedies that may be available to Allahabad Bank under law or otherwise.

5. The termination hereof shall not affect any accrued right or liability of either Party nor

affect the operation of the provisions of the Contract that are expressly or by implication intended to come into or continue in force on or after such termination.

6. In the event of termination of this Contract for any reason whatsoever, Allahabad Bank

shall have the right to publicize such termination to caution the customers/public from dealing with the Successful Bidder.

Force Majeure

1. Notwithstanding the provisions of TCC, the Service Provider shall not be liable for any penalties as mentioned above, for default if and to the extent that its delay in performance or other failure to perform its obligations under the Agreement is the result of an event of Force Majeure,

2. For the purposes of this clause, "Force Majeure" means an event beyond the control of

the Service Provider and not involving the Service Provider's fault or negligence and not foreseeable like earthquakes, epidemics, war, fire, revolution, riots, natural disaster, acts of God.

3. If a Force Majeure situation arises, the Service Provider shall promptly notify the Bank in

writing of such condition and the cause thereof. Unless otherwise directed by the Bank in writing, the Service Provider shall continue to perform its obligations under the Agreement as far as is reasonably practical, and shall seek all reasonable alternative means for performance not prevented by the Force Majeure event.

4. Bidder should have compatibility to map with the Bank‘s system, and will be required to

upgrade their system, if any change is done by the Bank in their system.

Annexures Check List for Submission of Annexure


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RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Check List Sl. No.

Description Annexure No.

1 Authorization Letter Format 1 2 Non-Disclosure Agreement Form 2 3 Check List for Submission of Eligibility Criteria 3 4 Profile of Bidder/Partner 4 5 Reference Site Details 5 6 Past Experience 6 7 Team Profile 7 8 Commercial Bid Format 8 9 Bid Submission Covering Letter 9 10 Notification of Acceptance 10 11 Specimen Contract Form 11 12 Performance Bank Guarantee Format 12 13 Pre-Bid Query Form 13 14 Self Declaration Black Listing 14 15 Bid Security Form 15 16 Undertaking - Document Correctness 16 17 Functional, Technical Requirement & Technical

Bid Information 17

18 Online Reverse Auction Compliance Statement 18 19 Project Management & Penalties 19 20 Bank Details 20 21 Power of Attorney 21 22 Plastic and collateral specifications for Card

personalization 22


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Annexure-1 Authorization Letter Format (On Organization’s Letter Head)

Place: Date: To The Asstt. General Manager (IT), Department of Information Technology & Digital Banking, Allahabad Bank, Head Office, 2, Netaji Subhash Road, Kolkata – 700 001, (W.B.), India Dear Sir, SUB: Authorization Letter for attending the Pre-Bid Meeting. Ref: Your RFP Ref. No: HO/IT&DB/CC/2017-18/01 dated XX.XX.2017 This has reference to your above RFP for Selection of End-to-End Solution Provider For Implementation Of Credit Card Solution on an Outsourced Model, Mr. / Ms. ______________________________ is hereby authorized to attend the Pre-Bid Meeting & to discuss with you on the subject RFP _____________ on _____________ on behalf of our organization. The specimen signature is attested below: ______________________________ Specimen Signature of Mr. /Ms. --------------------------------------- -------------------------------------- Signature of Authorizing Authority Name & designation of Authorizing Authority ---------------------------------------- Name and designation of Attesting Authority

Attested Photography of the Authorized Representative


Allahabad Bank


Annexure-2 NON DISCLOSURE AGREEMENT

THIS AGREEMENT made and entered into at …….. on this the ….. day of ………20... Between ALLAHABAD BANK, a body corporate constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act 1970, having its Corporate Office at --------------------------------------------------------------------------------------hereinafter called the “BANK” which term shall wherever the context so require includes its successors and assigns AND M/s.……………………………. Limited a company registered under the Companies Act having its registered office at…………………………………….. Hereinafter called the “Vendor” which term shall wherever the context so require includes its successors and assigns, WITNESSETH: WHEREAS The Bank is inter alia engaged in the business of banking and has been procuring hardware/software for various banking operations. M/s. Limited has been engaged in the business of supply and installation of Software systems The parties intend to engage in discussions and negotiations concerning establishment of business relationship between them. In the course of discussions and negotiations, it is anticipated that the parties may disclose or deliver to the other certain or some of its trade secrets or confidential or proprietor information for the purpose of business relationship. NOW THERFORE THIS AGREEMENT WITNESSETH and it is hereby agreed by and between the parties hereto as follows: 1. Confidential information "Confidential Information" means and includes all data, documents and information disclosed or to be disclosed by either Party to other Party and its Representatives (as defined herein) (including information transmitted in written, electronic, magnetic or other form and also information transmitted orally or visually) and any and all information, in whole or in part, directly or indirectly, from such information including all notes, summaries, analyses, compilations and other writings. Confidential information shall include any copy, abstract, extract, sample, note or module thereof and electronic material or records. “Receiving Party” may use the information solely for and in connection with the Purpose. "Disclosing Party" means party who discloses Confidential Information. 2. Use of Confidential Information Each party agrees not to use the other’s confidential information for any purpose other than for the specific purpose. Any other use of such confidential information by any party shall be made only upon the prior written consent from the authorized representative of the other party or pursuant to subsequent agreement between the Parties hereto.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 The receiving party shall not commercially use or disclose for commercial purpose any confidential information or any materials derived therefrom, to any other person or entity other than persons in the direct employment of the Receiving Party who have a need to access to and knowledge of the confidential information solely for the purpose authorized above. The Receiving Party may disclose confidential information to consultants only if the consultant has executed non-disclosure agreement with the Receiving Party that contains terms and conditions that are no less restrictive than these and such consultant should also be liable to the original disclosing party for any unauthorized use or disclosure. The Receiving party shall take appropriate measures by instruction and written agreement prior to disclosure to such employees to assure against unauthorized use or disclosure. The Receiving Party agrees to notify the Disclosing Party immediately if it learns of any use or disclosure of the Disclosing party’s confidential information in violation of the terms of this Agreement. Neither party shall make news release, public announcements, give interviews, issue or publish advertisements or Agreement, the contents/provisions thereof, other information relating to this agreement, the purpose, the Confidential information or other matter of this agreement, without the prior written approval of the other party. 3. Exemptions The obligations imposed upon either party herein shall not apply to information, technical data or know how whether or not designated as confidential, that:

• Is already known to the Receiving party at the time of the disclosure without an obligation of confidentiality.

• Is or becomes publicly known through no unauthorized act of the Receiving party. • Is rightfully received from a third party without restriction and without breach of this

agreement. • Is independently developed by the Receiving party without use of the other party’s

Confidential Information and is so documented. • Is disclosed without similar restrictions to a third party by the Party owning the

confidential information. • Is approved for release by written authorization of the disclosing party; or • Is required to be disclosed pursuant to any applicable laws or regulations or any order

of a court or a governmental body; provided, however that the Receiving party shall first have given notice to the Disclosing Party an made a reasonable effort to obtain a protective order requiring that the confidential information and / or documents so disclosed used only for the purposes for which the order was issued.

4. Term This agreement shall be effective from the date of the execution of this agreement and shall continue till expiration or termination of this agreement due to cessation of the business relationship between the parties. Upon expiration or termination as contemplated herein the


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Receiving party shall immediately cease any or all disclosures or uses of confidential information and at the request of the disclosing party, the receiving party shall promptly return or destroy all written, graphic or other tangible forms of the confidential information and all copies, abstracts, extracts, samples, note or modules thereof. The obligations of the receiving party respecting disclosure and confidentiality shall continue to be binding and applicable without limit until such information enters the public domain. 5. Title and Proprietary Rights Notwithstanding the disclosure of any confidential information by the Bank to the Vendor, the Bank shall retain title and all intellectual property and proprietary rights in the confidential information. No license under any trademark, patent or copyright or application for same which are or thereafter may be obtained by the Vendor is either granted or implied by the conveying of confidential information. 6. Return of Confidential Information Upon written demand of the disclosing party, the receiving party shall (I) cease using the confidential information (ii) return the confidential information and all copies, abstracts, extracts, samples, note or modules thereof to the disclosing party within seven (7) days after receipt of notice and (iii) upon request of the disclosing party, certify in writing that the receiving party has complied with the obligations set forth in this paragraph. The Vendor shall not make news releases, public announcements, give interviews, issue or publish advertisements or publicize in any other manner whatsoever in connection with this Agreement, the contents / provisions thereof, other information relating to this Agreement or information received under this Agreement, the Purpose, the Confidential Information or other matter of this Agreement, without the prior written approval of the Bank. The Vendor shall not reverse-engineer, de-compile, disassemble, or otherwise interfere with any software disclosed hereunder. 7. Remedies The receiving party acknowledges that if the receiving party fails to comply with any of its obligations hereunder, the disclosing party may suffer immediate, irreparable harm for which monetary damages may not be adequate. The receiving party agrees that, in addition to all other remedies provided at law or in equity, the disclosing party shall be entitled to injunctive relief hereunder. 8. Entire Agreement This agreement constitutes the entire agreement between the parties relating to the matter discussed herein and supersedes any and all prior oral discussion and/or written correspondence or agreements between the parties. This agreement may be amended or modified only with the mutual written consent of the parties. Neither this agreement nor any


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 rights, benefits and obligations granted hereunder, shall be assignable or otherwise transferable. 9. Severability If any provision herein becomes invalid, illegal or unenforceable under any law, the validity, legality and enforceability of the remaining provisions and this agreement shall not be affected or impaired. 10. Indemnity The Vendor will indemnify the Bank against all actions, proceedings, claims, suits, damages and any other expenses for causes attributable to Vendor in connection with purchase of Hardware/software/goods under this contract. The total liability of the Vendor under the contract will not exceed the total cost of the project. 11. Dispute Resolution Mechanism In the event of any controversy or dispute regarding the interpretation of any part of this agreement or any matter connected with, arising out of, or incidental to the arrangement incorporated in this agreement, the matter shall be referred to arbitration and the award passed in such arbitration shall be binding on the parties. The arbitral proceeding shall be governed by the provisions of Arbitration and Reconciliation Act 1996 and the place of arbitration shall be Kolkata. 12. Jurisdiction The parties to this agreement shall submit to the jurisdiction of courts in Kolkata. 13. Governing Laws The provisions of this agreement shall be governed by the laws of India. 14. Authority to Execute the Contract Each person executing this Agreement warrants and represents that he or she has the authority to enter into this Agreement on behalf of the party whose name appears below their signature. In witness whereof, the parties hereto have set their hands through their authorized signatories. SIGNED: For and on behalf of BANK ………….. M/s. …………..


Allahabad Bank


Annexure - 3 Check List for Submission of Eligibility Criteria

S. No. Eligibility Criteria Documentary

Evidence to be submitted to the bank

1 The bidder should be a government organization/ Public sector unit/ Partnership firm / Limited Company/ Private Limited Company having its Registered Office in India since last five years as on 01/11/2017. Relevant documents of registration should be submitted as part of the proposal. (In case of mergers/acquisitions/restructuring or name change, the date of establishment of earlier/ Original firm would be taken into consideration.)

Certificate of Incorporation

2 The bidder should meet all the following criteria for the last 3 years (2014-15, 2015-16 and 2016-17) for Operations in India:

1. Annual Turnover of at least INR 100 Crores 2. The company should have positive Networth 3. The bidder must warrant financial solvency, i.e. able

to meet all the debts as and when they fall due.

Audited financial statements for the last three financial years. Or Statutory Auditor's certificate for the last three financial years. And Declaration on Letterhead for Point No. 3

3 The bidder should be a reputed IT Solution Provider possessing at least a valid SEI CMMi Level 3 certification or above certification or a valid ISO Certification for any of the following: Design / Development / Implementation / Maintenance / Testing for Software at the time of bid submission.

Valid Certificates

4 The bidder individually or in alliance with its partners should be able to provide end-to-end services for supporting credit card business operations for the bank including provision of a card management system in a hosted environment in at least a Tier3 Data Centre, Provision of a switch for connectivity with VISA / Mastercard / RUPAY schemes with relevant third party service provider certifications from VISA / Mastercard / RUPAY and provision of human resources for customer service centre and back-office operations.

Self Declaration on the Bidder's letterhead


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 5 The Bidder/ Partners should have a successful PCI-DSS

compliance certificate for the data center operations and PCA-DSS compliance certificate for the Application.

Valid Certificates

6 The Bidder/ Partners should not have been blacklisted by any Bank/ Financial Institutions/ RBI/ Bank Association/ Government organization or Govt. agency in India.


7 The Bidder/Partners should not have any past reported/ recorded incident of any breach of security or data compromise, notified by the Bank/ IBA/ Mastercard / Visa/ NPCI/ RBI during the past three years in India.


8 The Bidder applicant should not be a defaulter of any Co-operative Credit Society/ Bank/ any other financial Institution and should not have any NPA account with Bank/Financial Institution and should have met all the tax and other statutory obligations. The vendor applicant should have a satisfactory track record.


9 The bidder/ Partners should have minimum three institutions worldwide (at least one must be implemented in a Public Sector Bank) as its existing clients. The names of such clients with details of contact persons such as name, designation, address, phone number etc. should be furnished by the bidder in their response to the technical bid.

Purchase Orders/ Implementation Sign Offs from the customer / Customer Reference Letters

10 The Bidder/Its Partner should have an own/ managed primary data center of at least tier-3 level, with Disaster Recovery center in India, capable of providing all type of services with respect to hosting a credit card solution and other services related to the same.


11 The Bidder/ Partners should be presently handling a credit card base (Single customer) of at least 2.00 lakh at present in India.

Self Declaration on Bidder's letterhead which will be verified with RBI data.

12 The Bidder/ Partner system should be capable of issuing EMV compliant chip card with magnetic stripe, with experience of at least two years for issuing EMV Cards.


13 The bidder should own the intellectual property rights of the product/solution or he should have rights from the owner, if not, the Bidder should have in place proper tieups, commercial agreements, authorised implementation partnerships etc. for development /resale/ customisation of software with the product bidder or any third party, whose software products are offered.

Letter / Certificate from OEM


Allahabad Bank


Annexure - 4 Profile of the Bidder

Sl. No. Particulars Response

1 Company Name 2 Date of Incorporation 3 Name of Indian representative/office

(indicate: own, dealer, distributor, JV)

4 Company Head Office address * Contact person(s) * Designation * Phone Number * Mobile Number * Fax Number * E-mail Address

5 VAT/ Sales Tax/ GST Registration No. 6 PAN No. Financial Details 7 Annual Turn Over

i. FY 2014-15 ii. FY2015-16 iii. FY2016-17

8 Net Worth i. FY 2014-15 ii. FY2015-16 iii. FY2016-17

9 Net Profit i. FY 2014-15 ii. FY2015-16 iii. FY2016-17

10 Address of Indian representative/office * Contact person(s) * Phone Number * Fax Number * E-mail Address

11 Total Number of Employees in the company 12 Ownership structure (e.g. Inc., partnership)

* Who are the primary shareholders? *State the major shareholders with percentage holding in case of limited companies.

13 Location: Support (e.g. Asia Pacific, India) Since when has the support centre existed in India?


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 14 Major Clients and services offered to them 1. Name:

Contact Details: Project: 2. 3. 4. 5.

15 Details of Quality Certifications 16 Number of Credit Cards processed during the past

three years i. FY 2014-15 ii. FY2015-16 iii. FY2016-17

17 Any Major failures of Internal system during the past three years

18 Got any award during the past three years 19 Enclose abstracts of the Balance sheet and P/L

Account for the last three years

20 Independent analyst research report (if any) 21 Major changes in Management for last 3 years Where ever we shall provide services in liaison with any other third party, we undertake to take full responsibility to protect Bank‘s interest and ensure that credit card issuance services under out-sourced model will be provided interrupted as per terms of the RFP. Place: Signature: Date: Seal :


Allahabad Bank


Annexure - 5 Reference Site Details

The Reference Site details are to be provided in the following format: Particulars Response Name of the Bank/ Financial Institution Address of the Organization Annual Turnover of the Organization for the Financial Year 2016-17 Date of Commencement of Project Date of Completion of Project Scope of Work for Solution Partner for the Project Project Start Date and End Date Live Since/Under Implementation Since List all the modules/components of the system being used. Type of Architecture in which the system has been implemented.

Implementation details e.g. Number of Sites, time taken for Operationalization, volumes of processing etc.

State the duration of the implementation Number of users and the geographical spread of the implementation Average Team size on site for project implementation (SI & OEM Team) Contact Details from the Bank/Financial Institution for reference Name of the Contact Person Designation Phone Number/e-mail The bidder has to submit a consent letter for conducting a reference site visit by Allahabad Bank’s project evaluation team.


Allahabad Bank


Annexure - 6 Past Experience

List of major customers where the proposed Credit Card solution has been implemented/under implementation in India/outside and their reference details: Sl. No. Name and

Complete Postal Address of the customer

Name & Brief scope of work done by OEM (specify the size of the Bank, etc.)

Name & Brief scope of work done by SI (specify the size of the Bank, etc.)

Attach Reference Letter

Contact Details (Name, Designation, Phone, Email)

Project Status (Completed/ Under Implementation, Start Date, End Date)

*In cases where SI acts as bidder, while counting the number of Banks for the purpose of assigning marks under this parameter only the number of Banks where SI has customized the software of the OEM shall be taken. (Enclose necessary documentary proof such as reference letter)


Allahabad Bank


Annexure - 7 Project Team Profiles

The general information on staff strength of the bidder/partner should be furnished in the following format & Specific information to be furnished in respect of each team member 1 Name

a Brief Introduction (in bullets)

2 Date of Birth

3 Phone Number

4 Position in the firm

5 Total years of post-qualification work experience

6 Employment Record

(Provide Company name, position held, duration, clients worked)

a

b

c

d

7 Number of years with the firm

8 Details of relevant assignments undertaken (include both past and current employment projects and highlight BFSI experience, if any)

9 Education

(Degree obtained, Year of Degree obtained, Institution)

10 Certifications (if any)


Allahabad Bank


Annexure-8 Commercial Bid Template

Sl

No. Particulars Rate In INR

1

Monthly charge for each active (usable) credit card (excluding Add-on cards or supplementary card ). For the billing purpose cumulative cards on the last working day of each month will be considered.

A

2 Credit Card Kit Cost per unit B

3 Credit Card dispatch cost per unit C

4 PIN Printing (Including stationary) & Dispatch Cost per unit D

Total (A+B+C+D)

• Prices quoted above are inclusive of all the taxes excluding GST.

• The Prices quoted will be valid for the entire contract period.

Dated……

(Signature)

(In the capacity of)

Duly authorized to sign bid for & on behalf of

(Name & Address of the Bidder)


Allahabad Bank


Annexure-9 Bid submission Covering Letter

Note: This Bid Offer Covering letter should be on the letter head of the Bidder and should be signed by an authorized person. Date: To Asstt. General Manager (IT) Department of Information Technology & Digital Banking, Allahabad Bank, Head Office, 2, Netaji Subhash Road, Kolkata – 700 001, (W.B.), India Dear Sir/ Madam, Subject: Response to RFP Ref No: HO/IT&DB/CC/2017-18/01 With reference to the RFP, having examined and understood the instructions, terms and conditions forming part of the RFP, we hereby enclose our offer for the Selection of End-to-End Solution Provider for Implementation of Credit Card Solution on an Outsourced Model. We agree and undertake that, if our Bid is accepted, we shall implement and maintain the Solution in accordance with the Requirements specified within the RFP for Selection of End-to-End Solution Provider For Implementation Of Credit Card Solution on an Outsourced Model of within the timeframe specified, starting from the date of receipt of notification of award from Allahabad Bank. We acknowledge having received the following addenda to the bid document: If our Bid is accepted, we will obtain performance guarantee of a Bank for a sum equivalent to Rs. 1.5 Crore for the due performance of the Contract, in the form prescribed by the Bank. All the details mentioned by us are true and correct and if Bank observes any misrepresentation of facts on any matter at any stage, Bank has the absolute right to reject the bid / proposal and disqualify us from the selection process. We confirm that the offer is in conformity with the terms and conditions as mentioned in RFP. We undertake that, in competing for (and, if the award is made to us, in executing) the above Contract, we will strictly observe the laws in force in India.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 We are also aware that Allahabad Bank has also right to re-issue / recommence the bid, to which we do not have right to object and have no reservation in this regard; the decision of Allahabad Bank in this regard shall be final, conclusive and binding upon us. We confirm that our company/system integrator/other partners participating in this bidding as part of the consortium have not been black listed/banned by a regulatory authority and any previous ban is not in force at present. We enclose a Demand Draft /Bankers' Cheque bearing No……………. dated ……/ …../20… drawn by ……….. Bank, branch, in favour of Allahabad Bank, payable at Kolkata for a sum of Rs 25,000/- (Rupees Twenty Five Thousand Only) towards non-refundable Bid Submission fee. Yours faithfully, (Name of Authorized Signatory) (Designation) Duly authorized to sign Bid for and on behalf of


Allahabad Bank


Annexure-10 Notification of Acceptance

Note: This letter should be on the letterhead of the Bidder and should be signed by an authorized person. Date: To The Asstt. General Manager (IT) Department of Information Technology & Digital Banking, Allahabad Bank, Head Office, 2, Netaji Subhash Road, Kolkata – 700 001, (W.B.), India Dear Sir/ Madam, Subject: Response to RFP Ref No: Ref. No. HO/DIT/CC/2017-18/01 dated XX.12.2017 REF: Your Letter No: - _________________ Date ________________. This has reference to your letter on the subject, notifying us about the selection of our bid. We hereby convey our absolute, unconditional and unqualified acceptance for the work and activities as per the Scope of Work mentioned in the subject RFP. Signature of Authorized Person (Seal)


Allahabad Bank


Annexure-11 CONTRACT FORM

THIS AGREEMENT made and entered into at ……..on this the…..day of………201.. Between ALLAHABAD BANK, a body corporate constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act 1970, having its Corporate Office at -------------------------------------------------------------------------------------- hereinafter called the “BANK” which term shall wherever the context so require includes its successors and assigns WHEREAS the Purchaser invited bids vide RFP No. HO/DIT/CC/2017-18/01 dated XX.12.2017 for certain Goods and ancillary services viz., ..................................... (Brief Description of Goods and Services) and has accepted a bid by the Supplier for the provision of those goods and services in the sum for .............................. (Contract Price in Words and Figures) (hereinafter called “the Contract Price”). NOW THIS AGREEMENT WITNESSETH AS FOLLOWS: 1. In this Agreement words and expressions shall have the same meanings as are respectively

assigned to them in the Conditions of Contract referred to. 2. The following documents shall be deemed to form and be read and construed as part of this

Agreement, viz.: a. Bid submission Covering Letter and the Total Ownership Cost submitted by the Bidder; b. The Functional Requirements c. The Technical Requirements d. The RFP e. The Service Level Agreement (SLA)

3. In consideration of the payments to be made by the Purchaser to the Supplier as hereinafter mentioned, the Supplier hereby covenants with the Purchaser to provide the goods and services and to remedy defects therein in conformity in all respects with the provisions of the Contract.

4. The Purchaser hereby covenants to pay the Supplier in consideration of the provision of the goods and services and the remedying of defects therein, the Contract Price or such other sum as may become payable under the provisions of the Contract at the times and in the manner prescribed by the Contract.

Brief particulars of the goods and services which shall be supplied / provided by the Supplier are as under: Sl. No. Description Price


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 5. The Vendor shall provide technical support for the software application systems supplied

under this contract, and will have overall responsibility of the performance, functionality and operation of the systems under this contract. Any supporting software provided /installed /configured by the Vendor shall be maintained /fine-tuned/ parameterized by the Vendor, from time to time, so that the solution delivers optimal performance. The Bank shall have the Right to use supporting software provided /installed /configured by the Vendor and/or software application systems supplied under this contract of Sale after the expiry of the Warranty period under this contract and it shall be at liberty to use/ run the said software solutions with the help/support of its in house IT Officers or through any other out sourcing service Agencies. The Vendors shall not have any right to question or object for continuation of the use of such software or software solutions irrespective of entering into any AMC with the Vendor after the expiry period or not. The Bank will decide at its sole discretion after expiry of the period under this contract either to enter into an AMC with the Vendor or not. The Vendor shall not have any right to challenge the decision of the Bank in any manner or in any proceedings.

6. The Vendor shall ensure the meeting of the Security features, the standards and procedures as per Bank’s IT Security Policy and procedures should be meticulously followed, in line with prevailing Industry Standards. In case of the any violation of the industry Standards, if the Bank has to incur any liability or penalty sanctioned by any Statutory/Supervisory Authority, the Vendor shall reimburse the same.

7. The Vendor has to provide the Bank with the proper backup and recovery procedure, with necessary documents so as to meet any exigencies.

8. The Vendor should ensure that all verification processes in the software solutions should be governed by maker checker controls.

DELIVERY SCHEDULE: IN WITNESS whereof the parties hereto have caused this Agreement to be executed in accordance with their respective laws the day and year first above written. Signed, Sealed and Delivered by the said ..................................................... (For Allahabad Bank)

Signed, Sealed and Delivered by the said ..................................................... (For the Supplier)

in the presence of: in the presence of:


Allahabad Bank


Annexure-12 Performance Bank Guarantee Format

Bank Guarantee No : Bank Guarantee Amount : Expiry Date : Claim Period : Account : Date: DD-MM-YYYY To The Asstt. General Manager (IT) Department of Information Technology & Digital Banking, Allahabad Bank, Head Office, 2, Netaji Subhash Road, Kolkata – 700 001, (W.B.), India Dear Sir, WHEREAS .......................................... (Company Name) registered under the Indian Companies Act 1956 and having its Registered Office at .................................................................. India (hereinafter referred to as “the VENDOR”) proposes to tender and offer in response to tender Ref. ………….. dated XX.12.2017 (hereinafter called the “TENDER”) AND WHEREAS, in terms of the conditions as stipulated in the TENDER, the VENDOR is required to furnish a Bank Guarantee in lieu of the Earnest Money Deposit (EMD), issued by a scheduled commercial bank in India in your favor to secure the order of the RFP in accordance with the RFP Document (which guarantee is hereinafter called as “BANK GUARANTEE”) AND WHEREAS the VENDOR has approached us, ............................................................ for providing the BANK GUARANTEE. AND WHEREAS at the request of the VENDOR and in consideration of the proposed TENDER to you, WE, ............................................................ having ............................................................ Office at ..........................................................., India have agreed to issue the BANK GUARANTEE. THEREFORE, WE, ......................................................., through our local office at ................... India furnish you the Bank GUARANTEE in manner hereinafter contained and agree with you as follows: We....................................., undertake to pay the amounts due and payable under this Guarantee without any demur, merely on demand from you and undertake to indemnify you and keep you indemnified from time to time to the extent of Rs ........................ (Rupees .............................. only) an amount equivalent to the EMD against any loss or damage caused to or suffered by or that may be caused to or suffered by you on account of any breach or breaches on the part of the RFP of any of the terms and conditions contained in the RFP and in the event of the VENDOR commits default or defaults in carrying out any of the work or discharging any obligation in relation thereto under the RFP or otherwise in the observance and performance of any of the terms and conditions relating thereto in


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 accordance with the true intent and meaning thereof, we shall forthwith on demand pay to you such sum or sums not exceeding the sum of Rs. ..................... (Rupees ......................................... only) as may be claimed by you on account of breach on the part of the VENDOR of their obligations in terms of the RFP. Notwithstanding anything to the contrary contained herein or elsewhere, we agree that your decision as to whether the VENDOR has committed any such default or defaults and the amount or amounts to which you are entitled by reasons thereof will be binding on us and we shall not be entitled to ask you to establish your claim or claims under Bank Guarantee but will pay the same forthwith on your demand without any protest or demur. This Bank Guarantee shall continue and hold good until it is released by you on the application by the VENDOR after expiry of the relative guarantee period of the RFP and after the VENDOR had discharged all his obligations under the RFP and produced a certificate of due completion of work under the said Tender and submitted a “No Demand Certificate “provided always that the guarantee shall in no event remain in force after the day of ....................... without prejudice to your claim or claims arisen and demanded from or otherwise notified to us in writing before the expiry of the said date which will be enforceable against us notwithstanding that the same is or are enforced after the said date. Should it be necessary to extend Bank Guarantee on account of any reason whatsoever, we undertake to extend the period of Bank Guarantee on your request under intimation to the VENDOR till such time as may be required by you. Your decision in this respect shall be final and binding on us. You will have the fullest liberty without affecting Bank Guarantee from time to time to vary any of the terms and conditions of the Tender or extend the time of performance of the Tender or to postpone any time or from time to time any of your rights or powers against the VENDOR and either to enforce or forbear to enforce any of the terms and conditions of the said RFP and we shall not be released from our liability under Bank Guarantee by exercise of your liberty with reference to matters aforesaid or by reason of any time being given to the VENDOR or any other forbearance, act or omission on your part of or any indulgence by you to the VENDOR or by any variation or modification of the RFP or any other act, matter or things whatsoever which under law relating to sureties, would but for the provisions hereof have the effect of so releasing us from our liability hereunder provided always that nothing herein contained will enlarge our liability hereunder beyond the limit of Rs. ................. ( Rupees .................................... only ) as aforesaid or extend the period of the guarantee beyond the said day of ...................... unless expressly agreed to by us in writing. The Bank Guarantee shall not in any way be affected by your taking or giving up any securities from the VENDOR or any other person, firm or company on its behalf or by the winding up, dissolution, insolvency or death as the case may be of the VENDOR. In order to give full effect to the guarantee herein contained, you shall be entitled to act as if we were your principal debtors in respect of all your claims against the VENDOR hereby guaranteed by us as aforesaid and we hereby expressly waive all our rights of surety ship and other rights, if any, which are in any way inconsistent with any of the provisions of Bank Guarantee. Subject to the maximum limit of our liability as aforesaid, Bank Guarantee will cover all your claim or claims against the VENDOR from time to time arising out of or in relation to the said RFP and in respect


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 of which your claim in writing is lodged on us before expiry of Bank Guarantee. Any notice by way of demand or otherwise hereunder may be sent by special courier, telex, fax or registered post to our local address as aforesaid and if sent accordingly it shall be deemed to have been given when the same has been posted. The Bank Guarantee and the powers and provisions herein contained are in addition to and not by way of limitation of or substitution for any other guarantee or guarantees here before given to you by us (whether jointly with others or alone) and now existing uncancelled and that Bank Guarantee is not intended to and shall not revoke or limit such guarantee or guarantees. The Bank Guarantee shall not be affected by any change in the constitution of the VENDOR or us nor shall it be affected by any change in your constitution or by any amalgamation or absorption thereof or therewith but will ensure to the benefit of and be available to and be enforceable by the absorbing or amalgamated company or concern. The Bank Guarantee shall come into force from the date of its execution and shall not be revoked by us any time during its currency without your previous consent in writing. We further agree and undertake to pay you the amount demanded by you in writing irrespective of any dispute or controversy between you and the VENDOR. Notwithstanding anything contained herein above;

i) Our liability under this Guarantee shall not exceed Rs............................................... (Rupees. ........................................ only) ;

ii) This Bank Guarantee shall be valid up to and including the date ............. ; and iii) We are liable to pay the guaranteed amount or any part thereof under this Bank Guarantee only

and only if you serve upon us a written claim or demand on or before the expiry of this guarantee.

We have the power to issue this Bank Guarantee in your favour under the Memorandum and Articles of Association of our Bank and the undersigned has full power to execute this Bank Guarantee under the Power of Attorney issued by the Bank. For and on behalf of Branch Manager Seal & Address


Allahabad Bank


Annexure 13 Pre Bid Query Format

Sl. No. Section &

Clause Ref. No. / Appendix No./ Annexure No.

Page No. RFP Text Query Response to Query (to be left blank by the bidder)


Allahabad Bank


Annexure 14 SELF DECLARATION – BLACKLISTING

To The Asstt. General Manager (IT) Department of Information Technology & Digital Banking, Allahabad Bank, Head Office, 2, Netaji Subhash Road, Kolkata – 700 001, (W.B.), India Dear Sir, Sub: Request for Proposal for Selection of End-to-End Solution Provider For Implementation of Credit Card Solution on an Outsourced Model Ref: Bid Document No. Dated . We hereby certify that, we have not been blacklisted by any Government Dept. / PSU / Banks for non-implementation / non delivery of the order / not providing support currently. Signature of Authorized Official Name and Designation with Office Seal Place: Date:


Allahabad Bank


Annexure-15 BID SECURITY FORM

(On a NON-JUDICIAL Stamp Paper of Rs.100/-)

Bank Guarantee No.: Date:

To

Allahabad Bank, Head Office, Information Technology & Digital Banking Department, 2nd floor, 2 Netaji Subhas Road, Kolkata - 700001, West Bengal, India.

WHEREAS _____________________ (hereinafter called “the Bidder”) has submitted its bid dated _______________ (date of submission of bid) for Selection of End to End Solution Provider For Implementation of Credit Card Solution on an Outsourced in response to Allahabad Bank’s Request for Proposal (RFP) Ref. No. : ______________________________ dated ________________ (hereinafter called “the Bid”).

KNOW ALL PEOPLE by these presents that, WE ____________ (name of Bank) of ________________ (name of Country) having our registered office at ____________ (address of bank) (hereinafter called “the Bank”) are bound unto ALLAHABAD BANK (hereinafter called “the Purchaser”) in the sum of Rs. 50 Lakh (Rupees Fifty Lakh only) For which payment will and truly to be made to the said Purchaser, the Bank binds itself, its successors and assigns by these presents.

Sealed with the common seal of the said Bank this ______ day of ______ , 20__.

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. In case of successful bidder, if the bidder:

(i) Fails or refuses to sign the Contract Form; or

(ii) Fails or refuses to furnish the Empanelment Security, in accordance with the Terms & Conditions of the RFP or Contract


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 We undertake to pay the Purchaser up to the above amount upon receipt of its first written demand, without the Purchaser having to substantiate its demand, provided that in its demand the purchaser will note that the amount claimed by it is due to it owing to the occurrence of any of the above conditions, specifying the occurred condition or conditions.

This guarantee will remain in force up to and including 60 days after the period of the bid validity i.e up to _____________ (mention date of expiry which should be a minimum of bid validity + 60 days), and any demand in respect thereof should reach the Bank not later than the above date.

Notwithstanding any other term contained herein

a) This guarantee shall be valid only upto _____________ (Insert Gurantee End Date) whereupon it shall automatically expire irrespective of whether the original guarantee is returned to the Bank or not; and

b) The total liability of Bank under this guarantee shall be limited to Rs.50,00,000/- (Rupees Fifty Lakhs Only).

Date:

Place: SEAL Code No. SIGNATURE.

NOTE:

1. BIDDER SHOULD ENSURE THAT THE SEAL & CODE NO. OF THE SIGNATORY IS PUT BY THE BANKERS, BEFORE SUBMISSION OF BG

2. STAMP PAPER IS REQUIRED FOR THE BG ISSUED BY THE BANKS LOCATED IN INDIA.


Allahabad Bank


Annexure - 16 Undertaking – Document Correctness

This is to certify that the information furnished herein and as per the documents submitted (hard copy and soft copy) is true and accurate and nothing has been concealed or tampered with. We further certify that the contents of the soft copy are same as those provided in the hard copy. We have gone through all the conditions of RFP document and are liable to any punitive action for furnishing false information / documents. Dated this _____ day of ____________________ 201_ Signature (Company Seal) In the capacity of Duly authorized to sign bids for and on behalf of:


Allahabad Bank


Annexure - 17

A. Functional Requirements

The Bidder will mark codes (SP, CA, NP) in Table below in status column on the basis of functionality available in their operational platform

Available as a standard product offering : SP (Standard Product)

Not available but will be customized at the Bidder‘s own cost CA : CA (Customization Available)

Not available and will not be provided : NP (Not Provided)

S. No. Parameters

Availability (Readily Available, Customisation, Not Available)

Vendor Remarks

1 Application Processing

1.1

The system should provide a complete framework for receipt of Credit Card applications, their processing. Application may be for Photo Card or Non photo Card. Application may be forwarded manually and will be uploaded in the system by the Bidder or it may be through system.

1.2 System should allow defining rules based work flow and rules for application processing.

1.3 Workflow rules for certain applications to bypass some of the application processing steps.

1.4 Each data capture screen should have the ability to capture demographic details and should have facility to dynamically add more details or fields.

1.4.1 Personal Details (as per the credit service requirement) 1.4.2 Address (Permanent/Employer/Mailing address) 1.4.3 Employer/Business details 1.4.4 Income details 1.4.5 Bank account details 1.4.6 Add-on card/s details

1.4.7 Able to capture multiple customer contact numbers (with country code), addresses and email addresses.

1.4.8 Able to capture customer profile or lifestyle information.


Allahabad Bank


S. No. Parameters


Vendor Remarks

1.4.9 Able to capture supplementary cardholder demographics information.

1.5 The system must have working flow and entry screen for inputting all application‘s data.

1.6 The system must have ability to track application processing.

1.7 The system must have ability to support user to decide whether to issue/not issue credit card based on the rules defined by Bank.

1.8 The system must allow assigning aging

1.9 Support for storing images (photograph and signature) of the applicant in the database.

1.10 Support for check-listing of all attached documents for completeness

1.11 Support for tracking the progress of each application through the approval process.

1.12 Support for sending application data to a credit bureau for risk management.

1.13 Maintain rejected applications in its database. The CMS must compare new applications with previously rejected applications to highlight possible matches.

1.14 Upload blacklisted cards and maintain them in database for the purpose of verification of new application

1.15

Solution should automatically cancel an application if it is pending for more than a specified number of days after follow-up for missing documents/missing information, and generate report for such cancellations, so that intimation may be sent to the applicant.

1.16

There must be a configurable scoring facility. The Issuer must be able to define specific attributes of the applicant (e.g., profession, age, etc.) that it will use to determine each applicant‘s scores.

1.17 It must be possible to assign positive or negative scores to certain ranges of any attribute, assign fixed score or range score based on the various attributes.


Allahabad Bank


S. No. Parameters


Vendor Remarks

1.18 The user should be able to define three score ranges that will enable the system to auto- approve/auto-reject/refer for manual review and decision respectively.

1.19

Solution should provide facility to generate letters for cases such as: missing information, rejected applications, welcome letters, acknowledgements, and follow-ups etc.

1.20 Provision for bypassing the scoring process and automatic approval of certain applications (e.g., from VIPs)

1.21

Fast track processing, whereby a single user (duly designated) can process an application from start to finish, that would help in quick responses for VIP applications, etc.

1.22 Facility to handle the accounts of VIPs differently with respect to scoring, card, reporting to credit bureau.

1.23 Authorized users should be able to override system decisions for rejection or approval or assignment of card product type, etc.

1.24 The system must provide a comprehensive rule based mechanism for assigning credit limit.

1.25 Ability to automatically advice to increase/reduce credit limit for specified cardholder on monthly, yearly basis or at the time of card renewal/replacement.

1.26

The parent card, ad-on card, etc. can have individual credit limits while the parent card can have main credit limit so that no add on cards can cross their individual limits, subject to availability of main parent limit.

1.27 Temporary credit limit enhancement for a predefined and fixed period.

1.28 Various balance components like sub-limit for cash, International, for specific merchants, loan scheme and other definable components for an account limit.

1.29 Dispatch of applications through courier to Bank‘s storage location, as required.


Allahabad Bank


S. No. Parameters


Vendor Remarks

1.30 The System should have capacity to integrate with Courier co./ India post and advise the delivery status to card holder/ Bank.

1.31 The Bidder should have system to report TAT on Daily Basis for File Processing, Card Perso and Dispatch.

2 Supplementary Cards

2.1 The system must support applications from existing cardholders for issuance of supplementary cards.

2.2 The system shall support sub-limit for add-on card subject to overall account limit of the main/principal card.

3 Plastic Card Production

3.1 The system must support tracking personalization of a batch of cards at an external agency.

3.2

Card sould be manufactured by a vendor certified by the respective scheme(MasterCard/VISA/RuPay) and bidder must provide data file in supporting format to this vendor

4 Pin Generation 4.1 The CMS must use an HSM to generate the PIN

4.2 The system must have ability to generate PIN and Offset (PVV, CVV and CVV2).

4.3 The System must support different standard methods for PIN Generation(IBM,VISA PVV and others)

4.4 The system must have ability to assign green PIN through online portal/app/IVR mode.

4.5 The system should maintain the card PIN history details.

4.6 Bidder should have the ability to print and send out PIN Mailers as and when requested by card user. (Cost of shipping, printing and stationary to be borne by Bidder)

4.7 The system should provide facilities to configure fees on PIN regeneration.

4.8 The PIN shall be generated for only those cards which are authorized and have valid card holder number.

4.9 System also to have audit log for number of times the PIN mailer is printed for particular PIN number, with


Allahabad Bank


S. No. Parameters


Vendor Remarks

facility for the user to input the reasons for reprinting.

5 Dispatch Tracking

5.1 The bidder system/plastic vendor system should be capable of tracking dispatch of cards, PIN mailers to customers

5.2 The bidder system/plastic vendor system should record use of couriers (if applicable) for dispatch of cards, and tracking each consignment

6 Balance Transfer

6.1 Able to set up balance transfers with different product wise interest rates and expiry within an existing unsecured revolving account.

6.2 Option to charge balance transfer processing fee at user defined rate or fixed amount or both.

6.3 Option to charge interest on processing fees from balance transfers.

6.4 Able to charge early exit fee for customer who does not fulfill the balance transfer tenure.

6.5 Able to cap total approved balance transfer as percentage of customer credit limit.

7 EMI

7.1 Able to convert revolving balances into fixed term amounts with an option for new transactions to be billed into the normal minimum amount.

7.2 Able to auto charge an administrative / processing fee for every EMI transaction.

7.3 Able to detect that a balance/ transaction is already on installment plan and prevent it from entering into another installment plan.

7.4 Able to auto post user defined fixed fee or percentage of installment balance for accelerated payment.

7.5 Able to auto post user defined fixed fee or percentage of installment balance for installment cancellation.

7.6 Able to defer posting of the 1st installment based on the user defined X period, for e.g. the 1st installment is only


Allahabad Bank


S. No. Parameters


Vendor Remarks

posted to customer‘s account 1 month later.

8 Card Template

8.1 System must have GUI/CLI based card number definition template.

9 Card activation

9.1 The solution should provide appropriate user interfaces to activate a card upon proper identification of the customer. Also to provide support for IVR activation.

9.2 Security check questions should be supported for the purpose of card activation

10 Accounts set-up and maintenance 10.1 The system must keep a status for each card produced. 10.2 The system must be capable of changing card status. 11 Card and Account set-up

11.1 Card Numbering features must be supported (include, but not limited to):

11.1.1 As defined by the Bank 11.1.2 Arbitrary card numbers

11.2 Is the system support a minimum length of card numbers of 16 digit

11.3 The system must have ability to assign account numbers automatically as defined by the Bank.

11.4

The system must have ability to configure card number structure i.e. ability to define the various positions of the card number for e.g. 1st six digit BIN, next 2 digits custom code etc

11.5 Generation of PIN number

11.6 Split a BIN into multiple ranges (for multi-institution, multi-branch and multi-product)

11.7 Multiple programs per BIN range for targeted demographic groups.

12 Renewal and revival of Cards

12.1 The system should generate a report on cards due for renewal. The date of generation must be a configurable number of days before the expiration date of cards.


Allahabad Bank


S. No. Parameters


Vendor Remarks

12.2 The system should enable manual override to nominate certain cards for non-renewal.

12.3 The system should support revival of expired cards upon request from the customer.

12.4 The system should be able to close the expired cards.

12.5 The CMS must support requests for early renewal of cards.

12.6 Option to auto block old card (stop authorization) after the new card effective date kicks in

12.7 Able to auto - post transactions to new/ replaced card with new card number, when the previous card is closed or blocked.

12.8 Able to support card renewal including both main and supplementary accounts.

12.9 Able to auto close all corresponding supplementary cards when the principal card is closed.

12.10 Able to tag a status code to a customer inactive for x months (period to be user defined) and able to generate letter or report on such.

13 Card replacement

13.1

The system should be able to support reason- based replacement of cards. The card number of the new card should depend upon the reason. (E.g. same number for a damaged card and new number for a stolen card)

13.2 The system must support seamless linkage of the new card with the old card and existing account in all cases of replacement of an existing card.

13.3 The system must be able to automatically renew the cards

13.4 The system must have function for individual renewal in exceptional situations, replacements and reissue of lost and stolen cards through batch files, and online.

13.5

The system must have function for special requirements for card reissuing (include, but not limited to): embossing name change, plastic design change, PIN change...


Allahabad Bank


S. No. Parameters


Vendor Remarks

14 Hot-Iisting

14.1 The system must enable addition and withdrawal of cards from the hot list.

14.2 The system should allow hot listing cards not only for specific card numbers, but also BIN or based on any other criteria.

14.3 The system should be able to accept external files to update its hot list database.

14.4 Automatic listing in VISA/MasterCard/RuPay exception file based on Card/Account status.

15 Authorization Processing

15.1 The system in an issuer mode will have to authorize all credit card transactions

15.2 The system should conduct extensive pre- screening to validate the card (CVV, PIN, expiration date, negative list, transaction limits, MCC limits.)

15.3 Able to configure authorization action in case limits, velocities are exceeded

15.4 The Successful Bidder should ensure that their Credit Card system should support flagging of domestic/international validity for the same Card

15.5 Provision for bulk authorization

15.6 The system should support voice authorization, and MOTO transactions.

15.7 The system must support referrals and permit user configurable referral response rules

15.8 Configurable and parameterization of rules based on level of delinquency and account status

15.9 Blocking / Unblocking of card in case of invalid PIN entries including Hard blocking and soft blocking

15.10 Support for VISA/MasterCard/RuPay 3D Secure. Solution should be able to authorize on the basis of VBV and UCAF as needed.

15.11 Configurable response codes based on the Card/Account status.

15.12 Configurable response codes based on Parameters for


Allahabad Bank


S. No. Parameters


Vendor Remarks

Limits and Velocity 15.13 E-commerce indicator check. 15.14 Restricted MCC Management 15.15 Restricted Country Management. 15.16 Able to support 24X7 X365 authorizations.

15.17 Able to support 24X7X365 authorizations during scheduled down time.

15.18 Able to provide detail authorization log for on us and non on us transactions.

15.19 Exception file reporting based on card status 16 Open to Buy

16.1

System supports for Posted activity to be added to any outstanding balance and subtracted from the credit line to establish each day‘s new open-to-buy amount. This open- to-buy amount is then used for transaction authorization requests.

16.2 Posted activity must includes all adjustments, payments, charge offs, incoming transactions, system generated charges and on-us transactions.

16.3

The system shall support different balance component for outstanding balances such as Purchase, Cash, Transfer, Fee, Interest, Payments, Loans, installments, Loan interest etc.

16.4 The system must generate an SMS for card usage. 17 Servicing of accounts including Billing, Dispatch 17.1 Configurable minimum due options.

17.2 Able to calculate minimum payment for delinquent accounts.

17.3 When the card is invalidated minimum pay criteria not applied.

17.4 Configurable billing cycles for every product, multiple billing cycles

17.5 Changing the billing cycles on request from cardholder 17.6 Support for loan installment 18 Fee Management


Allahabad Bank


S. No. Parameters


Vendor Remarks

18.1 Processing, consolidation and computation of associated fees during the Card lifecycle.

18.2 Calculation of interest, late payment fee, service charges, service tax, ATM fee, cash advance fee and over limit fee etc.

18.3 Ability of the system to create comprehensive card and transaction fee structure

18.4 The user must be able to define multiple fee plans: 18.4.1 Card fees 18.4.2 Transaction fees 18.4.3 Miscellaneous fees

18.5 The system must provide a flexible mechanism for the user to associate fee plans with each card product & card

18.6 Each card fee plan must include fees for: 18.6.1 Joining Fee 18.6.2 Annual membership 18.6.3 Renewal fees 18.6.4 Fees for issuance of photo card

18.6.5 Fees for card replacement, card lost, card stolen, damaged card

18.6.6 Emergency card 18.6.7 New PIN 18.6.8 Duplicate statement, etc. 18.6.9 Over-limit fees

18.7 Assessed fee as fixed amount or based on a percentage of the balance, credit line or over-limit amount

18.8 Assessed fee based on the first over-limit transaction only, or on all over limit transactions

18.9 Assessed as of the transaction posting date or at the cycle (statement) date.

19 Periodic Fees

19.1 Periodic fees may be variable according to individual cards with the same account (account with multiple cards/members).

19.2 Periodic fees may be included or excluded in the interest


Allahabad Bank


S. No. Parameters


Vendor Remarks

rate calculation. 20 Cash Advance Fees 20.1 Fee on multiple cash advance amounts 20.2 Option to waive cash advance fee

20.3 May be charged as fixed amount or as a percentage of the cash advance amount; or fixed plus a percentage

20.4 Option to exclude fee for on-us transactions (cash advance)

20.5 Option for differential fees for on-us transactions and not onus transactions.

21 Service fees

21.1 Provide the function to define and assess service fees: e.g. joining fee, annual fee, monthly fee, card replacement fee, delinquency fee, card removal fee, etc.

22 Transactions fees

22.1

The ability to support different fees for different transaction types: e.g. merchandise, fund transfer at ATM, transaction at particular merchants, etc. The ability to charge a fee per transaction; a fee based on a percentage of the transaction value.

22.2 The ability to charge a fee per transaction; a fee based on a percentage of the transaction value.

22.3 Allow to reverse fees when transactions are refunded.

22.4 Configurable parameters to define when the fees are to be levied and periodicity of levy.

22.5 The system must have ability to assign variable or fixed interest rates to card products.

22.6 Allow to change (override) the default interest rate in exception case.

22.7 The system must have ability to change base rate to apply to accounts and/or products at the next payment date.

22.8 The system must allow calculating and accruing interest on daily basis.

22.9 The system interests for must allow to automatically reversing refunding transactions.


Allahabad Bank


S. No. Parameters


Vendor Remarks

22.10 The system must provide the function to define the period of time not to calculate the interest based on such criteria as: customer, card product or card grade.

22.11

The Bidder must provide to recalculate interest due after previous historical balances and transactions are amended or for any previous period (partial or whole period).

22.12 The system must have ability to interest adjustments posted to the General Ledger.

22.13

The system must be able to set the different interest calculation criteria for different card types and different account status (e.g. VIP) such as: minimum monthly balance free interest period, minimum repayment amount, tiered interest rates for defined bands of debit balance (for Credit Cards), etc.

22.14 Returned Cheque: Calculation of fee and value dating for interest calculation.

22.15 Able to set and change the number of days (e.g. 360/365/366) in a year for interest calculation at product level

22.16

Able to user set up grace days and interest rates depending on whether customer is defined as a transactor or revolver. E.g. if customer is a transactor, a shorter grace day and a lower interest rate is assigned after the system detects a payment pattern.

22.17

Able to charge different interest rate tier based on customer profile, e.g. staff, new to Bank, certain profession, low credit score, status of account viz. Standard/NPA etc. at account level.

22.18 Able to charge different interest rate tier based on customer delinquency pattern.

22.19 Able to apply different interest calculation method based on account status (e.g. current, delinquent, charge off).

22.20 Able to process when due days or grace days are longer than the number of days in the month, e.g. February without any user intervention.


Allahabad Bank


S. No. Parameters


Vendor Remarks

22.21 Able to user defined for when to charge late fees and interest when payment is not received by the Due Date after grace days.

22.22 Able to advance or back value to a business day when due date or grace expiry date falls on a non business day, e.g. Sunday, public holidays, etc.

23 Payment of dues

23.1 The system should support payment of card by cash! Bill desk/lBS /NEFT/ECS/Auto debit/Visa money transfer.

24 Settlements and Reconciliation with VISA , MasterCard, NPCI and other agencies

24.1 The system shall receive Incoming settlement files. 24.2 The system must log and validate all incoming files. 24.3 The system must check for duplicates.

24.4 The system must identify the exception transactions such as:

24.4.1 Not authorized 24.4.2 Presentment amount difference

24.5 The system shall receive Incoming settlement files. The system must match its transaction database with incoming settlement file.

24.6

Incoming and outgoing transaction files must be reconciled with the destination and source organizations (e.g., Visa, MasterCard, NPCI, onus, etc.). The system will perform comprehensive settlement and reconciliation with all endpoints.

24.7 It must ‗age-off‖ unmatched transactions and cancel authorizations

24.8 It must support all standard interchange transactions such as fees, miscellaneous transactions etc.

24.9 The system must log and validate all incoming files

24.10 The system must identify the exception transactions such as:

24.10.1 Not authorized 24.10.2 Presentment amount difference 24.10.3 Late Presentment


Allahabad Bank


S. No. Parameters


Vendor Remarks

24.10.4 Duplicate presentment etc.

24.10.5 Posting of such transactions to cardholder accounts as applicable.

24.11 The system must verify that all transactions are received from and accepted by the various settlement endpoints.

24.12 The system must verify transaction amounts and fees with the Bank card associations and other settlement endpoints.

24.13 The system shall support authorization ageing for 24.13.1 Late Presentment 24.13.2 Duplicate presentment etc.

24.13.3 Posting of such transactions to cardholder accounts as applicable.

24.14 The system should highlight transactions originating from stop listed countries.

24.15 The system should have full support for SAFE, TC40 etc. 25 Compliance of the chargeback/request procedures

25.1

It must support the full life cycle of financial transactions –presentments, Re-presentments, Retrieval Requests, Chargebacks, Pre-Arbitration, etc., in accordance with rules of the concerned association (VISA,MasterCard, RuPay, etc.)

25.2 It must provide alerts to assist the Bank‘s staff to take timely action in accordance with the rules of the association.

25.3 It should support manual entry of Retrieval Requests, Representments, chargebacks and transmission to the Bidder‘s Switch.

25.4 It must be able to link Retrieval Requests with Chargebacks

25.5 Facilitate for tracking of pending retrieval request responses/second presentment.

25.6

It should handle exceptions such as irregular action by merchants for over floor limit sales without obtaining authorization. (Allow generation of chargebacks in such cases)


Allahabad Bank


S. No. Parameters


Vendor Remarks

25.7 Facilitate posting of chargeback to cardholder account in the event of valid chargeback.

25.8 The system must have ability to suspend a posted transaction due to cardholder dispute.

25.9 The system must have ability to repost transactions on resolution.

25.10 The system must have ability to temporarily exempt fee for the disputed transactions.

25.11 The system must have able to automatically refund the transactions.

25.12 The statements must specify the transaction details and disputed amounts.

25.13 The system shall provide for chargeback letter/exhibit forms to be generated.

26 Loyalty Management

26.1 The cardholder may redeem loyalty points against renewal fee, Gifts.

26.2 The CMS must support: 26.2.1 Computation of loyalty points 26.2.2 Redemption of loyalty points

26.3

The system should be configurable to define parameters, other than value of the transaction, e.g., card type, transaction type, merchant, group of merchants, etc., for computation of loyalty points

26.4 It should be possible to differentiate loyalty points for primary, add-on cards

26.5 It must be possible to define point accumulation by several ways:

26.5.1 The value of per transaction 26.5.2 No of transaction

26.5.3 Aggregate of transactions (value or number) over a configurable period

26.5.4 For one merchant 26.5.5 For a MCC 26.5.6 For early activation of card 26.5.7 Differential Points for revolver and transactor.


Allahabad Bank


S. No. Parameters


Vendor Remarks

26.5.8 Express Rewards

26.6 The solution should support putting a cap on maximum point earning limits

26.7 Facility to allocate bonus points/define magic moments to allocate additional points to cardholder.

26.8 Ability to define priorities for promotion so that the cardholder earns maximum points but under one promotion only.

26.9 The Bank must be able to define different loyalty point plans

26.10 A cardholder could accumulate points for introducing another cardholder to the Bank.

26.11 The accumulation and redemption of the reward points should be blocked based on delinquency level / block code of the customer.

26.12 The reward points earned should be redeemed and utilized within the specified period, else the points will be written off.

26.13 Letters should be generated before points are expired.

26.14 Facility for online inquiry on the points accumulated, points redeemed, closing balance either directly by the customer through Internet or at call center

26.15 There should be support for redemption against fees.

26.16 The solution should support request for redemption through Internet or at call center.

26.17 The system is able to Defining Time- period for the promotion by extra rewards points /gift.

26.18 The system is able to provide Special Treatment for Special Days:, e.g. —Christmas —Birthdays —Anniversaries, etc.

26.19 The CMS should integrate to the Bank‘s third party reward/loyalty system.

27 Customer Service help line


Allahabad Bank


S. No. Parameters


Vendor Remarks

27.1 Capability to provide round the clock reliable help desk facility for customers with IVR and manned desk.

27.2

In the event a cardholder telephones Bidders call center, the CSR must be able to authenticate the caller through a challenge response mechanism and invoke a primary cardholder information screen Card Number. Further, the Bidder should also have capability to integrate with the Bank‘s call center.

27.3 The system must generate a unique number for each call to track each call and ensure its timely and proper completion.

27.4 Able to configure the challenge response question and the number of correct answers for successful validation

27.5 Able to define service code which will be handled by the CSRs

27.6 Able to set up escalation matrix for service codes

27.7 The CSR must be able to drill down and display specific screens of more detailed information on various cardholder information such as:

27.7.1 Personal Information 27.7.2 Cardholder and account Information

27.7.3 Able to display all product information in the system of the same customer on a single screen

27.7.4

Able to provide a list of customer card information such as Cardholder Name, employee ID, Card #, Card limit, Temporary Card limit, spending limit, Available limit, card expiry, status, outstanding balance, transaction limit, daily limit, etc on the same screen.

27.7.5 Transaction search/details 27.7.6 Statement Information 27.7.7 Chargeback details 27.7.8 Authorization search 27.7.9 Current card activity details 27.8 The system should allow the CSR‘s to:

27.8.1 Update the cardholder‘s information such as a change of address


Allahabad Bank


S. No. Parameters


Vendor Remarks

27.8.2 Activate the card in case of manual activation of card by calling the call center.

27.8.3 Record requests like additional card, duplicate statement dispatch, etc.

27.8.4 Hot list a card if the caller reports a lost/stolen situation

27.8.5 Record cases where the customer disputes a particular transaction

27.8.6 Perform temporary limit enhancements.

27.8.7 Able to set future effective date for approved temporary credit limit

27.9 The CSR must be able to record memos on observations and actions taken.

27.10 The CSR must be able to update the status of each request from beginning to final closure.

27.11 The CMS must forward requests for action by card centre.

27.12 Able to perform wild card search for descriptive fields, e.g. customer name.

27.13 Able to track past credit limit changes, including temporary credit line, with details from account open date.

27.14

Able to display unbilled balance components on screen at customer level or account level, e.g. Interest, annual fees, late charges, returned auto direct debit fees, installment.

27.15

Able to display billed balance components on screen at customer level or account level, e.g. Interest, annual fees, late charges, returned auto direct debit fees, installment.

28 Availability of SMS and email alert facilities

28.1

System should support for sending SMS on card holder‘s mobile and email for transaction alerts and for sending status of service oriented requests made by card holder as detailed in Annexure 5 point 17.1.

29 Letter Generation


Allahabad Bank


S. No. Parameters


Vendor Remarks

29.1 The system must have ability to generate letter (physical and/or e-mail) automatically (include, but not limited to):

29.2 Accepting/Declining card application letters 29.3 Outstanding debt letter 29.4 Card/Account status letter 29.5 Application‘s lacking information(discrepancy) 29.6 Dispute related letters 30 Reports, Returns and MIS generation

30.1 Able to generate periodical reports for each of the outsourced activities as per Bank requirements.

30.2

Should prepare Trial balance on daily basis with the help of reports and submit the report to Bank; tallying of GL / daybook and Assets & Liabilities on daily basis and report discrepancy, if any to Bank. Passing of all manual entries(Dr/Cr.) in the host system as per requirement of Bank and reconciliation thereof.

30.3 Able to provide ad-hoc reports to the Bank as and when required for Bank‘s internal use, requirement of statutory, regulatory or controlling authorities.

30.4 Transaction exception reporting

30.5 Authorization activity report for successful , not successful transactions

30.6 Pick-up response report 30.7 Off-line transactions report 30.8 CVV failure report 30.9 Decline transaction report

30.10 Detailed transaction activity report 30.11 International transaction report 30.12 Chargeback report, Re-presentment report 30.13 Retrieval request report 30.14 Exception item processing report

30.15 The reports should support or be able to be exported to a variety of formats: Microsoft word, text, Excel, PDF etc.


Allahabad Bank


S. No. Parameters


Vendor Remarks

30.16 The reports should be able to be exported to different distribution channels: printers, web, etc.

30.17 Able to provide required system information to be used for Allahabad Bank‘s data warehouse and CRM

30.18 Able to provide such assistance as may be required to use third party tools for Data Mining, Data analysis etc.

31 Recovery and Non Performing Assets (NPA) management

31.1 Delinquency tracking 31.2 The system must track delinquency of all cardholders

31.3 The system must increase the level of delinquency as the cardholder misses payments

31.4 Configurable rules for delinquency

31.5

The issuer should be able to define rules that encompass the number of months of delinquency for the amount outstanding. i.e., enable case based escalation and variation in the follow up procedures

31.6

The system should enable the Bank to configure rules for downgrading the credit profile of a delinquent cardholder (including the rules for lowering/stopping loyalty point earning and or redemption facilities).

31.7

The Bank requires generation of letters to be an integral part of all delinquency management. Hence, the system must offer means to define template driven letters and their linkage to the appropriate delinquency event.

31.8

The Bank must be able to define various actions that it could apply to the cardholder such as (phone call, visit, legal notice etc.) depending upon the gravity of the delinquency

31.9 The system must have batch interface for collection agency and Bank.

31.10 Daily aging analysis for delinquent accounts: Date Past Due (DPD) Management.

31.11 The system shall support classification and provisioning requirements specified by RBI


Allahabad Bank


S. No. Parameters


Vendor Remarks

31.12 The system shall support classification and provisioning requirements as par Banks requirements

31.13 The system shall support suspension of unrealized interest/charges for NPA accounts

31.14 NPA shadow balance processing including all fees and charges

31.15 NPA shadow balance processing including finance charges only

31.16 System should support credit of derecognized interest to card account after account becomes NPA

32 Fraud Management

The Card System should assist the Bank in determining and monitoring fraud. On line monitoring through fraud tools of the Bidder on 24x7 basis including VISA Risk Manager‘ (VRM), EMS etc., remedial measures and related MIS.

32.1 Merchants: The system should highlight cases such as:

32.1.1 The system should report if many authorization request come for a single card

32.2 Cards: The system should highlight cases such as

32.2.1 An authorization request from hot listed (Lost, Stolen) cards

32.2.2 Multiple transactions from one card within a short duration

32.2.3 Split transactions and multiple swipes 32.2.4 Cards with invalid CVV 32.2.5 Transactions above threshold limit

33 Functional Capabilities

33.1 Capability to define multiple products on a single Card system platform.

33.2 Ability to set up multiple products with configurable attributes such as limits, transaction set, billing cycle, credit profile, loyalty plan.

33.3 Able to restrict transactions by MCC at card level.

33.4 Ability to create/define products based on the market segment and card product positioning, without software


Allahabad Bank


S. No. Parameters


Vendor Remarks

customization.

33.5 Ability to create new products with separate/different attribute plans

33.6 Ability to define different attribute plans for primary/secondary cards

33.7 Able to define/set up co-branded cards 33.8 Able to define/set up corporate cards

33.9 Able to issue different product brand to principal and supplementary cardholder. E.g. MasterCard supplementary under a VISA principal card.

33.1 Can limits be set at card and account level 34 Capabilities relating to Attribute inheritance

34.1 The system should have the capability such that attributes defined at product level are automatically inherited at account and card level.

34.2 The system should provide facilities to change/override the inherited attributes at account and card level.

34.3 Ability to inherit attributes from Customer Group/ Segment level

34.4 Equally, the issuer must be able to override inherited attributes for a range and for each card

34.5 The system allow to set up holiday calendars 35 Card Product Hierarchy

35.1 The system must provide a three level hierarchy for cards attributes:

35.1.1 Card Product – The Bank must be able to define as many products as it desires

35.1.2 Card Range (A product may have several ranges) 35.1.3 Card — the lowest level.

36 Transaction definition

36.1 The system supports function for the Bank to define new transactions. E.g. new type of purchase transaction, or balance transfer transaction.

36.2 The system must provide a GUI/CLI for defining transaction rules


Allahabad Bank


S. No. Parameters


Vendor Remarks

37 Limit setting 37.1 Setting per transaction limits, daily limits, periodic limits

37.2 Setting separate limits for domestic and international transactions

37.3 Defining an authorization response action (approve, decline, capture, refer) in case limits are breached

37.4 Defining velocity limits authorization (approve, refer)response action in breached and defining an decline, capture, 40 User rights and audits

38 User rights and audits

38.1 The system administrator should be allowed to register each user

38.2 The system must ensure a unique ID for each user 38.3 Each user must have a password 38.4 The system must provide features such as:

38.4.1 Configurable minimum length of password 38.4.2 Configurable format

38.4.3 Configurable expiration date to force a user to change the password

38.5 The CMS must not allow the user to re-use the existing password

38.6 The CMS should block a user who exceeds a configurable retry limit for ID/password when attempting to log-in

38.7 The system must log all cases of unsuccessful log- in attempts

38.8 The System Administrator must be able to assign pervasive access rights to features and functions of the CMS (on-line and batch processes)

38.9 The System Administrator must be able to assign these rights at a low level of granularity (individual menu options and actions such as add/change/delete)

38.10 The system must not inform users for any other access options except those for which they are authorized.

38.11 The CMS must allow each member of a group to inherit the access rights of the group as a default Practice


Allahabad Bank


S. No. Parameters


Vendor Remarks

38.12 The System Administrator must be able to lower (not raise) the access rights of specific members of a user group

38.13

The system must not re-use user ID‘s. Each computer and communication system user-ID must be unique and forever connected solely with the user to whom it was assigned.

38.14 The system will automatically logoff users if they remain inactive on the system for a definable period of time. Time to be defined and set by the Bank.

38.15 The system will automatically suspend users after a definable number of failed access attempts. The number of attempts to be defined and set by the Bank.

38.16

A password history will be maintained to prevent users from reusing a password within an administrator defined number (e.g.: cannot reuse the last 4 passwords).

38.17 A password management system must be in place to provide an effective, interactive facility that ensures quality passwords.

38.18 After a user has been authenticated or logged out, the buffer containing user ID and password must be cleared.

38.19 All passwords assigned must be unique for each user.

38.20 Bank will define the password structures and renewals (e.g. length, expiry etc).

38.21

Nowhere in the system will passwords be viewable in the clear (as readable alphanumeric characters). They will only ever be displayed & stored using a one-way encryption algorithm.

38.22

On initial logon, new users will be forced by the system they are accessing to change their initial password to one that meets the relevant password functional policies set by the Bank.

38.23 Passwords must be a minimum of six (6) characters in length for regular users, eight (8) characters in length for supervisors and other privileged users, and must


Allahabad Bank


S. No. Parameters


Vendor Remarks

comprise of letters, numbers, and special characters to the extent possible.

38.24

Passwords must not be stored in readable form in batch files, automatic login scripts, software macros, terminal function keys, in files or computers without access controls, or in other locations.

38.25 The system must force users to change temporary passwords at the first log on.

38.26 The system must provide the option to force users to change passwords at determined intervals.

38.27

The system should use password history techniques to maintain a password history of users. This will ensure that users do not reuse passwords when forced to change the password.

38.28 The system will include facilities to check password quality and disallow certain password combinations (e.g.: no sequential characters, no repeating characters).

38.29 The system will include facilities to force certain password conventions (e.g. minimum length, at least one numeric character etc).

38.30 The user will change passwords with a 2nd input required to validate the password.

38.31 The CMS must provide extensive audit capabilities

38.32 A log file will also record successful & unsuccessful attempts to log on to the system.

38.33 A log file will be maintained by the system to record all events. The contents (i.e.: amount of detail) to be controlled by System Administrators.

38.34

It must maintain audit trails of important actions such as changes to master data, execution of batch jobs, hot listing, etc. The system must record the ID of the person, the date and time, etc. for future analysis,

38.35 There must be facilities to view the audit trail 38.36 There must be facilities to archive audit information


Allahabad Bank


S. No. Parameters


Vendor Remarks

38.37

All computers, databases or applications that store user account and password information must be secured in the strictest manner. Access to the user account base must be restricted to only authorize administrators.

39 Frontend Solutions for access of cardholder(Portal/Mobile APP)

39.1

Bidder should be able to provide comprehensive front-end solution for the bank credit card users where-in the users can log-in and access all the features through desktop, tablet or mobile device in a seamless way.

39.2

The front-end solutions should have omni-channel capabilities so that the look-and-feel and user experience remains absolutely same independent of the medium of access (desktop, tablet or mobile)

39.3 The Credit card portal should have below feature

39.3.1 Card Type display – Displaying salient feature of credit cards

39.3.2 Payment Options – Informing the payment options available to card holders

39.3.3 Offer on cards – Reward offers available to card holder 39.3.4 Customer care Information 39.3.5 Resource centre containing forms in PDF 39.3.6 Quick Links to certain information

39.3.7 Footer will contain links to various crucial information in PDF format viz. MITC, fair practice code, Cardholders agreement, user guide etc.

39.4 Along with this the portal should also have login access for card users for a large number of self-service options.

39.5 The mobility solution/App should also give card customers access to all possible self-service options including but not limited to the following:

39.6 Download app – should be available in both android and iOS versions

39.7 Register using mobile number / card number or user ID credentials communicated via bank

39.8 Download card application form


Allahabad Bank


S. No. Parameters


Vendor Remarks

39.9 Fill-up form on the device and apply for any card product

39.10 Upload required documents through the device (camera or stored files)

39.11 Check status of application using application ID 39.12 Refer other people for card products

39.13

View a summary screen on the landing page of the app which give the overall status of the card account in terms of credit limit, outstanding amount, available credit limit, last bill amount, last bill due date etc.

39.14

Should be able to view and edit customer profile, like email ID, address, photograph etc. through OTP authentication. – In order to edit phone number OTP should be sent through email

39.15 Should be able to change password using OTP authentication to the registered mobile number

39.16

The app should have the feature for customer to view detailed statements with all transactions – current and previous statements can be viewed by selecting the time period ranges – Card user should be able to view reward points accumulated / cash-back received during any statement period.

39.17 Customer can choose to view the statements through the app or download or send to the registered mail ID using the app

39.18 Card user should be able to pay the credit card dues directly through the app. Should have options to pay the minimum due, total outstanding or any other amount

39.19

Card user should have the flexibility to convert purchases transactions to EMI through the app – different combinations of installments, interest rates and duration of repayment should be available at the customer’s disposal

39.20 The app should be able to integrate with bank registered utility billers so that card user can make payments to such billers through the app itself where the card


Allahabad Bank


S. No. Parameters


Vendor Remarks

account will be billed - User can additionally create standing instructions for

payment of any particular registered biller

39.21

Card user should be able to raise and view status of different service requests like

a) Card product upgrade b) Apply for supplementary card c) Increasing credit limit d) Card replacement e) Create standing instructions for debit from bank

account for card dues payment f) Dispute any particular transaction (charge-back

request)

40 Other Requirements

40.1 The system must support issuance of multiple credit card products.

40.2 The system must be capable of accepting multiple BIN numbers.

40.3 The system must allow setting base currency according to the base currency of the card issued.

40.4 Whether solution integrates with services accessible through call center operations, IVR etc.

40.5 The system must support ISO 8583 messaging formats for other hosts connectivity

40.6 The system must support EMV 2000 specifications

40.7 The system must be able to comply with VISA/MasterCard/RuPay mandates released from time to time.

40.8 The system must support offline interface files of RuPay/MasterCard and VISA Files.

40.9 The system must be certified with VISA / Master Card and NPCI in India.

40.10 The system must support VISA 3D Secure guidelines and should have at least two instances in production which is certified for VISA.


Allahabad Bank


S. No. Parameters


Vendor Remarks

40.11

The system must provide a batch scheduler for executing various system batch jobs. It should be possible to override the scheduler to execute a batch job on demand.

40.12 All reporting facilities should be customizable and should have capability to interface to 3rd party report writer tools

40.13 Should support maker-checker concept for master definition.

40.14 Bill Generation

40.14.1 Bill Generation on Monthly basis, in the form of Hard Copy and password protected Soft Copy, to be sent through Registered E-mail.

40.14.2 If Customer request system should be able to generate old duplicate Bills also.

40.14.3 In case of Add on /Corporate Cards, system should be able to generate two separate Bills, one Card wise and other Consolidated.

41 Special Features Requirements

41.1

Credit Limit: The CMS solution should have the capability to assign multiple different credit limits (at least 10) to the same card account other than usual purchase and cash limits – These should be available for the bank to use at any point at its discretion to roll out campaigns or to activate credit enhancement programs. - Should have the capability to create credit limits

specific to individual merchants or categories of merchants.

- System should be flexible to assign different reward schemes for the different lines of credit for a particular account.(eg. There can be a specific reward point scheme active on one credit line whereas a different cash-back scheme on another credit line)

41.2 Product Setup:


Allahabad Bank


S. No. Parameters


Vendor Remarks

Solution should provide simple but effective product setup screens for the bank user in order to roll-out new products rapidly. All product setup relevant information should be available on a single screen and product setup should not require any assistance from the bidder’s technical team

41.3

International Transactions: Card/Bank user should be able to define specific thresholds/limits for foreign transactions (both absolute value and percentage limits of overall credit limit) can be used. - Card users should have the flexibility to choose or

restrict specific countries for foreign transactions

41.4

Card Issuance: Proposed solution should have the capability to support online real time card issuance apart from batch issuance process.

41.5

Segmentation Flexibility: Proposed solution should provide the bank ability to create multiple business segments and subsequent sub segments in order to classify different customers under different buckets and treat them differently.

41.6

Interest Rate Flexibility: Proposed solution should allow the bank to set variable interest rates such that interest rates can be differentiated by not just customer segments/sub-segments but also by revolving balance

41.7

Comprehensive Installment Module: Proposed solution should provide a fully integrated instalment module to manage transactions which are converted to EMIs by the customer. - The instalment process should be seamless in the

sense that the customer can select and convert transactions into EMI in real time (Straight throughput).

- System should provide all different EMI application


Allahabad Bank


S. No. Parameters


Vendor Remarks

options to the card user, EMI conversion at POS at the time of purchase, EMI conversion through SMS post purchase, EMI conversion by calling customer care.

- In all cases of conversions, the EMI transactions should be posted to the card account in real time and Customer notification (confirmation message) should also be real time.

- System should be flexible enough to assign differential interest rates for EMI transactions not just basis customer segments, sub-segments but also transaction amount, tenure, type of transactions and offers/promotions.

41.8

Flexible Loyalty Module: The proposed solution should have a highly flexible and configurable loyalty module which allows: - Different reward schemes across different customer

segment, sub-segments, different merchants, different calendar days, different transactions types (domestic/international; ATM/POS/Internet/Mobile)

- System should allow for ‘Non Transaction’ based points earn as well for eg. App download, referral etc.

- System should allow for multiple redemption options like through only points, Pay+points, options to buy points for gifting

- System should also allow for redemptions of points against total outstanding balances

- System should have flexibility to define cash-back offers at MCC level and by type of transactions. Should be able to define slab based fixed or percentage or both earn rates

41.9

Real Time Fraud Management Module: Proposed solution should have real time fraud management module which should be able to: - Setup parameters to identify potential frauds which

support different forms of parameters like a)


Allahabad Bank


S. No. Parameters


Vendor Remarks

Grouping parameters (eg. Country Grouping, Card Grouping); b) Fraud Detection Parameters (eg. Charge Velocity, Off Hour Transactions); c) Credit Parameters (eg. Credit Exposure, Credit Balance)

- Multiple risk segments should be available (50+) to prioritize reviews basis value at risk and probability of fraud.

- Should be able to classify and assign transactions into different queues for review (eg. Confirmed fraud, cancelled, pending, tele-call, field investigation etc.)

- System should be able to support all the requirements of fraud related reports and MIS

41.10

Integrated Digital Wallet Solution: - Proposed bidder should be able to provide a digital

wallet solution in the second phase to be offered as a linked product along with the credit card.

- Card users can load wallet using the credit card and the wallet balance can be used for various payment transactions

- The wallet solution should have QR code reading capability to be used at POS

Code category Category wise count of codes

mentioned against each item by the Bidder in the table above

Multiplier Score

SP 0.50 NP 0.00 CA 0.30

Total Score


Allahabad Bank


B. Technical Requirements

The Bidder will mark codes (SP, CA and NP) in Table below in status column on the basis of technical strength of infrastructure of their solution

Available as a standard product offering : SP

Not available but will be a customization at the Bidder‘s own cost : CA

Not available and will not be provided : NP

Bidder should provide complete details of technical capabilities mentioned in the table to support their responses in a separate sheet.

S. No. Activity Bidder’s

response Technical requirements

1 The system proposed should be modular in architecture i.e. Solution should offer the ability to select modules individually required.

2 The system should enable switching on new modules which were not used previously at a later stage or vice versa as part of the modular architecture

3 The system should utilize standard data management tools and the standard backup and restore built-in utilities. .

4 The Bidder/It’s Infrastructure Partner should have a successful PCI-DSS compliance certificate for the data centre.

5 The system should support client server architecture.

6 System should be available 24x7 and provide at least 99% availability 7 The Bidder should have a functional disaster recovery site.

8 The system should support exporting data to other systems to generate regulatory and other types of reports. The system should support importing data from other systems for further processing analysis.

9 The proposed solution should be designed with high redundancy and high availability measures on all its components level.

10 Whether the system provides scalability i.e. handle peak transaction loads, future increase in transaction with a minimum TPS of 10.

11 Whether the system provides scalability i.e. handle high volume of cards and concurrent users in the system, future increase in volume to 1 million cards and 100 concurrent users.

12 The system should support Risk Management and Fraud Monitoring tools/techniques used for monitoring of frauds and any suspicious


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 S.

No. Activity Bidder’s response

transactions and the ability to provide transaction monitoring reports.

13 Support TCP/IP communication protocols.

14 The system should support chargeback management

15

The system should be able to interface with other third party applications like Banks internet Banking Services, Banks ATM switch, bill desk, CIBIL, ACS server, auto debit/ecs, SMS server, credit card website and OTP vendor, telco system for sending SMS Alerts etc

16

The front-end solutions should be deployed on centralised framework such that any changes/customizations will reflect on all devices simultaneously and does not need modification of code for separate device (eg. Any configuration change in the desktop portal will also reflect on mobile app)

17 The front-end solutions should have omni-channel capabilities so that the look-and-feel and user experience remains absolutely same independent of the medium of access (desktop, tablet or mobile)

18 The System should be able to support new Systems and products Like Green Pin/ QR Code etc.

SP‘ will carry 25 marks marks ,‗CA‘ will carry 20 marks and ‗NP‘ will carry 0 marks

Code category

Category wise count of codes mentioned against each item by the Bidder in the table above

Multiplier score

SP 25 CP 20

NP 0 Total Score

Signature and Seal of Bidder


Allahabad Bank


C. TECHNICAL BID INFORMATION OF BIDDER FOR CREDIT CARD ISSUANCE BUSINESS Proficiency Requirements

S.No. Activity Parameter Maximum Marks

Marks Scored by the Bidder

1. Bidders‘ sole experience in credit card issuance with specific reference to no. of years of Experience with in India

i. More than Five but Less than seven years. ii. More Than seven but less than 10 Years iii. More than 10 years

0 10 15

2. Number of Credit cards managed with in India as on date. Please provide the names of Banks with the number of cards issued.

i. Less than 100,000 ii. 100,001 to 200,000

iii. More than 200,000

0 10

15

3. Card transaction volumes handled per month in India i. Less than 200,000 ii. 200001 to 300,000

iii. More than 300,000

0 10 15


Allahabad Bank


4

Total number of bank (End to End) Credit card Issuance business In India for the main bidding entity. Please provide proof to support the fact spelt out by you in terms of number of customer on India

i. 2 Banks

ii. 3-5 Banks

iii. Above 5 Banks

0

10

15

5

Vendor‘s in house maintenance of NPCI/ VAP/MIP connectivity to NPCI / VISA/ MasterCard

i. Not currently certified by NPCI / VISA / MasterCard & for POS transaction processing and not having own VAP / MIP

ii. Certified by NPCI/VISA / MasterCard for POS transaction processing and not having own VAP / MIP

iii. Certified by NPCI/VISA / MasterCard for POS transaction processing and having own VAP / MIP

0

10

15

6

Disaster Recovery Centre

i. DR facility not available in India as on date, but will be arranged.

ii. DR facility available but not in operation for any Bank.

iii. DR facility available and operational for two Banks in India.

Please provide proof of DR being ready in India as on date of RFP submission for processing.

0

10

15


Allahabad Bank


The DR should be capable as on date to process Credit card Issuance transactions for more than 5 Banks. Please provide the RPO (Recovery Point Objective i.e. how much data lag is there at any given time for replication between the primary data center and the DRS center for POS transactions as on date) and RTO(Recovery Time Objective i.e. how much time lag is there at any given time for cut-over between the primary data center and the DRS center for POS transactions as on date)

7

Ability to provide add-on Value Added Services a. M Visa Issuance

i. Not Available, but will arrange. ii. Available, but not yet implemented with

any Bank. iii. Available and already rolled out with at

least one Bank. b. Card Control over Mobile



least one Bank. c. Green PIN



least one Bank. d. IVR Support

i. Not Available, but will arrange. ii. Available, but not yet

0

2.5

3.75

0

2.5

3.75

0

2.5

3.75

0

2.5


Allahabad Bank


implemented with any Bank. iii. Available and already rolled out

with at least one Bank.

3.75

8

On-Line Real Time, Risk management & Fraud Monitoring Tools/ techniques used for monitoring of frauds and any suspicious transactions In India and the ability to provide transaction monitoring reports.

i. Not Available, but will be outsourced.

ii. Available, but not yet implemented with any Bank.

iii. Available and implemented with at least one Bank in India.

0

10

15

9

Chargeback Management system in India

i. Presently not Available, but will be arranged.

ii. Available, but yet to be implemented with any Bank.

iii. Available and already implemented with at least two Banks

0

10

15

10

Experienced Risk & Fraud Management staff in India. i. Presently not Available, but will be arranged. ii. Available, but yet to be implemented with any

Bank. iii. Available and already implemented with at

least two Banks.

0

10

15


Allahabad Bank


Annexure - 18 ONLINE REVERSE AUCTION COMPLIANCE STATEMENT

(To be submitted by all the technically qualified bidders) Date: ---------- To Asstt. General Manager (IT), Department of Information Technology, Allahabad Bank, Head Office, 2, N.S. Road, Kolkata – 700 001 West Bengal DECLARATION 1 We ………………………….. (Name of the company) hereby confirm having submitted our bid for Participating in Bank’s RFP Ref No. HO/DIT/CC/2017-18/01 dated XX.12.2017 for Selection of End-to-End Solution Provider For Implementation Of Credit Card Solution on an Outsourced Model. 2 We confirm having read and understood the terms and conditions of the RFP as well as the Procedures relating to the process. 3 We hereby undertake and agree to abide by all the terms and conditions stipulated by the Allahabad Bank in the RFP document including all Annexures/Appendixes and the Procedure, Business Rules and Terms and Conditions of E-tendering/Online Reverse Auction process. 4 We shall participate in the E tendering conducted by __________________ (auction service provider retained by the Bank) and submit our commercial quote through online Revere Auction. In doing so, we shall abide by the procedures prescribed for online auction by the Bank and auction company. 5 We, hereby confirm that we will honor the Bids placed by us during the E tendering/Online Reverse Auction process, failing which we shall be liable for any other consequential action that may be taken by the Bank including any debarment from participation in future procurement by the Bank. 6 We confirm having nominated our representative (Shri/Smt/Ms……………… designated as……………………………….of our company to participate in the E tendering/Online Reverse Auction process on behalf of the company. We accordingly authorize Bank and / or the Auction


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Company to issue user ID and password to the above named official of the company. We undertake that the company shall be bound by the actions made by him during the E tendering process and thereafter. 7 We undertake to submit the confirmation of last bid price and price breakup by us to the Auction Company /Bank within one working day of the completion of event and any other specific requirement indicated in the RFP. Signature with company seal Name & Address of Company: Date: Name & Designation of Authorized Representative: Signature of Authorized Representative:


Allahabad Bank


Annexure - 19 Project Management & Penalties

Items Compliance

Bidder to engage dedicated experienced Senior Project Manager (SPM) having not less than 10 years experience in Credit Card business with minimum qualification of MBA from reputed institute. Biodata needs to be approved from Bank during any change.

SPM will be there for the entire duration of contract

One dedicated project Manager (PM)reporting to SPM is required to be posted at Bank’s HO, Kolkata. PM should have minimum 5 years experience in card industry

In addition to SPM, bidder to provide one technical resource (TR) for assisting Bank’s team in various modules of Credit Card application, retrieving MIS and handling escalations related with customer complaints.

SPM, PM is required to work since beginning for workflow finalization, card design finalization, marketing, activation of modules and so on.

Bidder needs to presents various analytic tools to maximize insight of operations and better decision making

After award of contract, bidder needs to immediately start work with latest project management technologies, so that first card is issued within 1 month from the date of order.

If card is not launched within 1 months, a penalty of 10% per month (will be calculated on prorate weekly basis) to be realized from first invoice will be deducted.

There are various deliverables in the RFP which requires to be setup for smooth operations. Bidder needs to present Statement of Works finalization in consultation with Bank.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 For any delay in SOW finalization, Bank may issue a letter and SOW needs to be submitted within 1 week from the date of such letter, beyond which penalty of 10% per month(will be calculated on prorate weekly basis) to be realized

After Finalization of SOW, functionality needs to be made live within 2 weeks beyond which penalty of 10% per month(will be calculated on prorate weekly basis) to be realized

For any genuine customer complaint wrt to delay in call attending at call centre a penalty of Rs100 will be charged and in case any fraudulent transaction happened due to delay or not attending the call, penalty amount will be equal to fraudulent transaction amount.

Penalty will be Rs.2 per day per card/PIN for not maintaining the TAT as given


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Maintenance of Time Schedule (TAT) and Penalty for the delay.

Sl. No Particulars Bank's Standard TAT Penalty

1 Processing of data files for issuance & dispatch of new card

2 Days Beyond 2 Days - Rs.2 per day per card

2 Processing application forms including photo cards


3 PIN generation at card holder's request & disptach

1 Day Beyond 1 Days - Rs.2 per day per card

4 Processing of data files for issuance & dispatch of Replacement cards


5 Processing of data files for issuance & disptach of Renewal Card


6 Bill generation /Posting and dispatch 2 Days from Date of Billing/

Dispatch by E-mail on the same day

7 Generation and dispatch of the Duplicate Bill

1 Day

8 Chargeback 3 Days

9 Bill payment Credit in account Same Day on Day end Beyond TAT - Rs.100 per day per account


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Note: For Card & PIN dispatch – Penalty upto the 10% of the invoice value. If penalty goes beyond 20% to 40% of the invoice value only 50% invoice value will be paid. No payment will be made in case of penalty goes beyond 40%.

I accept above time schedule and penalty proposed by the Bank for the Delay.

Signature and Seal of Bidder


Allahabad Bank


Annexure - 20 Bank Details

1 Name of the Bank

2 Address of the Bank

3 Contact Person

4 Telephone No.

5 Fax No.

6 Email

7 Over Draft / CC / Other fund - based limit

8 Bank Guarantee Limit

9 Remarks, if any

Corporate Authorization details. Note: This statement has to be duly attested by the banker. Signature: Signature: Name of the Authorized Person: Name of the Authorized Person: Designation: Designation: Company Seal Banker Seal All authorizations should be collected


Allahabad Bank


Annexure - 21 Power of Attorney

(On Stamp Paper of relevant value) --To be included in Technical Bid Envelope—

Know all men by these presents, we (name of the company) do hereby appoint and authorize Mr. (full name and residential address) who is presently employed with us and holding the position of as our attorney, to do in our name and on our behalf, all such acts, deeds and things necessary in connection with or incidental to our proposal for Credit Card issuance services under outsourced model in response to the RFP (Request for Proposal) Reference No. HO/DIT/CC/2017-18/XXX Dated: XX.X.2017 by Allahabad Bank (hereinafter referred to as Allahabad Bank), including signing and submission of all documents and providing information/responses to Allahabad Bank, in all matters in connection with our bid / offer. We hereby agree, declare and undertake that all the acts, deeds and things lawfully done by our said attorney shall be construed as acts, deeds and things done, performed and executed by us and we hereby agree to ratify all acts, deeds and things lawfully done by our said attorney pursuant to this Power of Attorney and that all acts, deeds and things done by our aforesaid attorney shall and shall always be deemed to have been done by us. Dated this day of 20 For (Signature) (Name, Designation and Address) Accepted (Signature) (Name, Title and Address of the Attorney) Date: Note: 1. To be executed by the all members in case of a Consortium. 2. The mode of execution of the Power of Attorney should be in accordance with the procedure, if any, laid down by the applicable law and the charter documents of the executants and when it is so required the same should be under common seal affixed in accordance with the required procedure. 3. Also, wherever required, the Bidder should submit for verification the extract of the charter documents and documents such as a resolution/power of attorney in favor of the Person executing this Power of Attorney for the delegation of power hereunder on behalf of the Bidder. In case the Application is signed by an authorized Director / Partner or Proprietor of the Applicant, a certified copy of the appropriate resolution / document conveying such authority may be enclosed in lieu of the Power of Attorney.


Allahabad Bank


Annexure - 22 Plastic and collateral specifications for Card personalization

(To be included in Technical Bid) Collaterals with Four to Six Colour Printing User Guide Length 25.0 cms Breadth 11.5 cms Paper Quality Zanders Ikono Silk Cover Page & Zanders Mega Silk Art Inner page Paper GSM 240 GSM Cover Page & 150 GSM Inner Page No.of Pages 16 to 20 Most Important Terms & Conditions Length 8 Inch Breadth 12 Inch Paper Quality Maplitho Paper GSM 80 GSM No. of Pages 12 Welcome Letter (Bilingual- English on one side, Hindi on other side) Length 8.268 Inch Breadth 11.693 Inch Paper Quality Super Sunshine Paper GSM 120 GSM No. of Pages Front and Back Envelope —Welcome Length 11(h) inches (Open Size ), & 4.75 (h) inches (Close Size) Breadth 10.749 (w) inches (Open Size ), & 9.75 (w) inches (Close Size) Window 3.543(w) x 1.378(h) Inches Paper Quality Sinar Matt Art paper Paper GSM 250 GSM PIN Mailer Paper:- 60+60+80 GSM


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Size: 9”x 4”x III part (OR) 8”x 4” Color: Single Paper Quality Perforated Cream Wove paper of A grade Leaf Front Printing Back Printing Paper Remarks

First Leaf Single Colour Black Carbon Ink 60 GSM Clipped with 2nd and 3rd leaf

Second Leaf Single Colour Black Carbon Ink 60 GSM Sealed & Glued from all side with 3rd leaf

Third Leaf Single Colour Single Colour 80 GSM Sealed & Glued from all side with 2nd leaf

PIN Envelope — marked “Private & Confidential” Length 19.5 cms Breadth 11.5 cms Window 3.543(w) x 1.378(h) Inches Paper Quality Maplitho self adhesive Paper GSM 80 GSM Statement Format for Credit Card Length 29.0 cms Breadth 24.5 cms Paper Quality HB Maplitho Paper GSM 70GSM Envelope for Credit Card Bill: Length 11(h) inches (Open Size ), & 4.75 (h) inches (Close Size) Breadth 10.749 (w) inches (Open Size ), & 9.75 (w) inches (Close Size) Window 9 cm x 5 cm Color 4 Color Printing Paper Quality Maplitho self adhesive Paper GSM 80 GSM Tamperproof Envelope for sending the entire kit of material Length 17.5 cms Breadth 27.0 cms


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 Window 8 cm x 5 cm Paper Quality Unglazed Art Paper Paper GSM 250 GSM Card Pouch Material Rexene Foam Leather, Size: 4 inches X 2.5 inches (one side open), Bank logo, Card type and phone no. printing in one color on the pouch Chip & Magstripe Specifications All cards shall be issued as EMV chip based cards having chip with the following functional specifications: The technical specifications of the EMV Contact Card with MagStripe are mentioned below: • Compliant to ISO/IEC 7816 Standard. • Physical Card ID1 Format. • PET-G + PVC in the ratio of 60:40. • Microprocessor based IC Card Minimum 16 KB EEPROM. • Minimum 8 bit CPU. • RAM Minimum 6 KB. • Secure Hardware Crypto Coprocessor. • RSA /ECC, 3DES (With 2 unique keys) /3KTDES, AES (AES can be in software or hardware.

Hardware preferred). • Common Criteria (EAL) should be EAL5+ (hardware). • Memory secure encryption for RAM, ROM and EEPROM. • Counter Measures against side channel attacks (SPA & DPA). • Write Endurance should be 300000 cycles.


Allahabad Bank

RFP Ref. No. HO/IT&DB/CC/2017-18/O1 • Data Retention period should be greater than 10years. • Unique ID for each chip. • Card verification method – Card with online PIN. • OS should be hard masked on ROM. • OS should be Java 2.2.x or higher. • Global Platform 2.1.x or higher version. • EMV Authentications Methods Supported -DDA/CDA. • Support for EMV financial applications using Chip and PIN : • VISA - VISA VSDC2.7.x or higher Pay Wave • MasterCard - M/Chip4 Pay Pass or higher • Capability to support EMV compliant RUPAY Cards when RUPAY specifications for chip

based cards are released by NPCI. • Magnetic Stripe: HICO 2750 Orested. ISO standards for Encoding, location of Track 1, 2,

& 3.

• Chip security standards compliant. Accepted above specification Signature & Seal of Bidder
