…unique financial services to Grow Alberta
Date: February 14, 2020
REQUEST FOR PROPOSAL
Issued by:
Agriculture Financial Services Corporation
REQUEST FOR PROPOSALS FOR:
Lending Management System
COMPETITIVE BID #: 0592
CONTRACTED SERVICE: Lending Management System
CLOSING: March 6, 2020 @ 1:00 pm (MST)
AFSC BUYER: Kathy Walker
TITLE: Buyer, Business Services
ADDRESS: AFSC
Purchasing Department
5718 56th Avenue
Lacombe, Alberta T4L 1B1
PHONE: 403-782-8456
FAX : 403-782-5650
E-MAIL: RFP@AFSC.ca
Competitive Bid #, Submission Deadline, and Proponent’s Return Address
should appear on face of the envelope.
TABLE OF CONTENTS:
TERMS AND CONDITIONS - 1 -
1.0 INTRODUCTION - 1 -
1.1 MASTER SCHEDULE - 1 -
1.2 MASTER SCHEDULE TABLE - 2 -
1.3 DEFINITIONS - 2 -
1.4 MANDATORY REQUIREMENTS AND DESIRABLE PROVISIONS - 3 -
1.5 CONFIDENTIALITY AND SECURITY OF INFORMATION - 3 -
1.6 MATERIAL OWNERSHIP - 3 -
1.7 REFERENCES - 4 -
1.8 CONFLICT OF INTEREST - 4 -
1.9 VENDOR’S ETHICS POLICY - 4 -
1.10 CONTRACT REVIEW - 4 -
1.11 NEGOTIATIONS - 5 -
1.12 INACCURACIES OR MISREPRESENTATIONS - 5 -
1.13 INQUIRIES - 5 -
1.14 LIABILITY FOR ERRORS - 6 -
1.15 NOTIFICATION OF CHANGES - 6 -
1.16 VENDOR’S EXPENSES - 7 -
1.17 FREEDOM OF INFORMATION AND PROTECTION OF PRIVACY - 7 -
1.18 RESERVATION OF RIGHTS - 8 -
1.19 COMPETITIVE BID ADMINISTRATION - 8 -
2.0 SCOPE OF WORK - 9 -
2.1 BACKGROUND - 9 -
2.2 REQUIREMENTS - 11 -
2.3 VALUE ADD - 18 -
2.4 TECHNOLOGY & SECURITY - 20 -
2.5 SHORT LISTING - 25 -
3.0 PROPOSAL SUBMISSION GUIDELINES - 26 -
3.1 PROPOSAL FORMAT - 26 -
3.2 PROPOSAL SUBMISSIONS - 26 -
3.3 BLACKOUT PERIOD - 27 -
3.4 LEGAL AND CONTACT INFORMATION - 27 -
3.5 CORPORATE CAPABILITIES AND EXECUTIVE SUMMARY – MAXIMUM FOUR (4) PAGES - 28 -
3.6 REFERENCES - 28 -
3.7 APPROACH - 30 -
3.8 ASSUMPTIONS - 31 -
3.9 WCB AND INSURANCE - 32 -
3.10 CORPORATE REGISTRY - 32 -
4.0. PRICING - 33 -
4.1 PRICING - 33 -
4.1.2 CAPITAL EXPENSES - 34 -
4.2 G. S. T. CERTIFICATION CLAUSE - 34 -
5.0 EVALUATION - 35 -
6.1 APPENDIX A: QUESTION AND ANSWER TEMPLATE - 37 -
6.2 APPENDIX B: TERMS OF BUSINESS - 37 -
6.3 APPENDIX C: ALTERNATE WORDING-ADDITIONAL CLAUSE TEMPLATE - 37 -
6.4 APPENDIX D: MANDATORY REQUIREMENTS PRE-SCREENING - 37 -
TERMS AND CONDITIONS
1.0 Introduction
Agriculture Financial Services Corporation (AFSC) is an Alberta Provincial Crown Corporation under the Ministry of Agriculture and Forestry (AF). AFSC’s core programs include business risk management programs and services to the agriculture industry as well as lending products and services to farmers’ agribusinesses, value added enterprises and commercial operations. More detailed information about AFSC is available on the website www.afsc.ca.
The objective of this Competitive Bid is for AFSC to solicit Proposals from those qualified in providing the specified services described under section 2.0 of this Competitive Bid.
The initial term of the Master Agreement is intended to begin no later than May 1, 2020 and conclude April 30, 2023. The services may be extended beyond the initial term by mutual agreement. There may be variations in the nature and frequency of services provided in accordance with the contract terms.
1.1 Master Schedule
The Master Schedule of Competitive Bid related events is set out in the table below and is governed by the following principles:
a) In the event that any dates elsewhere in this Competitive Bid conflict with a date set out in this table, the date set out in this table shall prevail;
b) All times listed are based on Mountain Standard Time (MST);
c) AFSC reserves the right to adjust the dates of the schedule if required through an addendum process.
1.2 Master Schedule Table
# Event Scheduled Date/Time
1 AFSC to accept e-mail inquiries relevant to this Competitive Bid. Vendor(s) must use the Q & A template provided and submit through RFP@afsc.ca.
February 20, 2020
2 Final receipt of Proposals. (closing date) March 6, 2020 @ 1:00 pm
3 Evaluation of Competitive Bid written Proposals. AFSC in its discretion may extend this time. March 9 - 20
4 Interviews or presentations for short-listed Vendors. AFSC in its discretion may change this date. March 31 – April 2
5 AFSC to perform reference checks on shortlisted Vendors. AFSC in its discretion may change this date. March 31 – April 2
6 Final Evaluation and notification of award of contract. AFSC in its discretion may change this date. April 9, 2020
7 Target Commencement Date AFSC in its discretion may change this date. May 1, 2020
1.3 Definitions
The following abbreviations and terminology are used throughout this Competitive Bid:
Term Description
Personnel Employees, contractors, subcontractors and agents of the Vendor.
Vendor Any business that is registered in Canada and is authorized to operate in Alberta, proposing to submit a Proposal to the Competitive Bid.
RFP Request for Proposal
Scope of Work The services required by this Competitive Bid as described in section 2.0 of this Competitive Bid.
Contract Monitor AFSC representative that is responsible for the management of the existing contract related to the services defined in section 2.0 of this Competitive Bid.
1.4 Mandatory Requirements and Desirable Provisions
Proposal that do not comply with the Request for Proposal’s requirements will be rejected.
“ Must”, “shall”, “mandatory” and “will” mean a requirement that must be met in order for the Proposal to receive consideration.
For mandatory requirements, the vendor must provide sufficient information in the Proposals to sustain compliance to the request for Proposal’s Mandatory requirements.
“Should” and “desirable” mean a provision having a significant degree of importance to the objectives of the Competitive Bid.
For desirable/optional provisions, the vendor’s Proposal should provide details of how the desirable/optional provisions are addressed.
1.5 Confidentiality and Security of Information
The Vendor and the Vendor’s personnel shall:
a) Keep strictly confidential all information concerning AFSC or third parties, or any of the business or activities of AFSC or third parties acquired as result of participation in the Competitive Bid;
b) Only use, copy or disclose such information as necessary for the purpose of submitting a Proposal or upon written authorization of AFSC.
The Vendor shall maintain security standards, including control of access to data and other information, consistent with the highest standards of business practice in the Vendor’s industry.
1.6 Material Ownership
Ownership in all Materials including copyright, patent, trade secret, industrial design or trade mark that are made, prepared, developed, generated, produced or acquired under or in relation to the Contract by the vendor, the vendor’s employees, subcontractors or agents belongs to the Purchaser as they are made, prepared, developed, generated, produced or acquired. The Materials shall be delivered to the purchaser upon completion or termination of the contract.
The Vendor:
(a) Irrevocably waives in whole all moral rights, and
(b) Shall ensure that its employees, subcontractors and agents irrevocably waive in whole all moral rights to the materials made, prepaid, developed, generated produced, or acquired under the contract and declares that these waivers shall operate in favour of the Purchaser and the Purchasers assignees and licenses.
1.7 References
The Proposal should include six (6) references as outlined in Section 3.6 of this document. If references are not included in the Proposal, the Vendor must provide them within two (2) Business Days of a request, including, but not limited to organization, address, contact name, telephone number and email address. References should include organizations that can verify the satisfactory provision, performance and or/servicing of goods and associated services the name as, or similar to the requirements of this Request for Proposals, the Corporate Purchasing Section may contact references in addition to those provided in the Proposal.
References may be conducted to validate information provided in the Vendor’s Proposal and based on the information obtained; Vendors’ scores may be adjusted. If a Vendor receives unsatisfactory references, in the opinion of the Corporate Purchasing Section, including past unsatisfactory performance with AFSC, the Proposal will be rejected.
1.8 Conflict of Interest
Vendor(s) must fully disclose, in writing to AFSC on or before the closing date of the Competitive Bid, the circumstances of any possible conflict of interest or what could be perceived as a possible conflict of interest if the Vendor were to become a contracting party pursuant to the Competitive Bid.
AFSC will review any submissions by Vendor(s) under this provision and may reject any Proposals where, in the sole opinion of AFSC, the Vendor could be in a conflict of interest or could be perceived to be in a possible conflict of interest position if the Vendor were to become a contracting party pursuant to the Competitive Bid.
1.9 Vendor’s Ethics Policy
The Vendor should have an ethics policy that guides their organization in all its business activities, and should provide a copy of this ethical policy as an attachment to their Proposal. This policy will not from part of the evaluation.
1.10 Contract Review
AFSC requires all agreements to be reviewed and agreed to by AFSC legal counsel prior to execution.
The Terms of Business under which AFSC will contract with you are set out at Appendix (B). The Terms of Business will be incorporated into the definitive agreement that is entered into between the Vendor and AFSC. If the Vendor wishes to propose alternate wording to the Terms of Business, the Vendor must also complete and submit Appendix (C) (Alternate Wording – Additional Clause Template).
By submitting a Proposal without a completed Appendix (C) attached thereto, Vendors are deemed to accept the Terms of Business as set out at Appendix (B) as a condition of submitting a Proposal.
It is within AFSC’s sole discretion to consider wording changes or alternate clauses to be acceptable and negotiable. The extent and materiality of any requested changes by the Vendor may impact the overall evaluation scores.
As part of the Vendor’s Proposal, AFSC requires the Vendor to submit the Vendor’s typical form of agreement that it would use with a customer. The Vendor’s typical form of agreement will not be used as the definitive agreement between AFSC and the Vendor. AFSC will consider the typical form of agreement as part of its overall considerations for the drafting of the definitive agreement between AFSC and the Vendor, subject at all times to the Terms of Business.
No work will commence in relation to this Competitive Bid until a fully executed definitive agreement is in place between AFSC and the Vendor. Failure to comply with this requirement will result in non-payment of any activities performed prior to the execution of the definitive agreement.
1.11 Negotiations
AFSC may require selected Vendor(s) to participate in negotiations and to submit revisions to pricing, technical information, agreements and any other items in any Proposal that may result from negotiations.
If negotiations do not result in modification of the agreement(s) that is acceptable to the Purchaser, the Proposal may be rejected.
1.12 Inaccuracies or Misrepresentations
If, in the course of the Competitive Bidding process, AFSC determines that the Vendor has made a material misstatement or misrepresentation or that materially inaccurate information has been provided to AFSC, the Vendor will be disqualified from the Competitive Bidding process.
1.13 Inquiries
All inquiries related to this Competitive Bid must be addressed to the AFSC Buyer on or before the date specified in the Master Schedule and as per the following:
a) Inquiries must be sent by e-mail to the AFSC Buyer, utilizing the Q&A template provided.
b) No telephone inquiries will be accepted;
c) No additional information or clarifications will be provided to inquiries received after the applicable deadline.
d) In order to be considered, all inquiries must provide the following Vendor information:
• Name of Primary Contact;
• Address;
• Telephone number;
• E-mail address;
• Competitive Bid Reference “0592”.
e) All inquiries received will be reviewed by AFSC.
f) All inquiries will be compiled and answered in the form of written Proposal(s) issued by AFSC via Alberta Purchasing Connection (APC) to all prospective Vendor(s);
g) Vendor(s) are advised that all inquiries answered by AFSC will be provided verbatim in writing to all prospective Vendor(s).
h) Inquiries that may contain proprietary or confidential information of a Vendor may be answered exclusively to the submitting Vendor (AFSC will direct the correspondence regarding this inquiry only to the Vendor’s Primary Contact) provided the Proposal does not:
• Require a modification to this Competitive Bid; or
• Potentially provide an undue advantage in the competitive process.
i) If either of the above situations (h) arises, AFSC reserves the right to:
• Request the Vendor reword and resubmit the inquiry; or
• Decline to provide a Proposal.
j) AFSC reserves the right to not disclose information in conjunction with this Competitive Bid on any inquiry that requires releasing information that AFSC, in its sole discretion, regard as confidential to AFSC;
k) AFSC reserves the right in any event to decline to provide a Proposal for any reason in its sole discretion;
l) It is the Vendor’s responsibility to notify AFSC, in writing and in advance, of any change in the Vendor(s) Primary Contact Information;
m) AFSC assumes no responsibility or liability arising from information obtained in a manner other than as described in this Competitive Bid.
1.14 Liability for Errors
While every effort is taken to ensure an accurate representation of information in this Competitive Bid. AFSC shall not be liable or accountable for any error or omission in any part of this Competitive Bid.
1.15 Notification of Changes
Any changes to this Competitive Bid as well as the Proposal(s) to inquiries will be posted as an addendum on the Alberta Purchasing Connection (APC). Vendors should routinely check APC for amendments and adhere to any amendment requirements.
1.16 Vendor’s Expenses
Vendors are solely responsible for their own expenses in preparing the Proposal, as well as any subsequent Proposals, including any costs associated with attendance to Information sessions, site tours or a potential short-listed Vendor’s interview with AFSC.
1.17 Freedom of Information and Protection of Privacy
The Vendor acknowledges that:
(a) The Freedom of Information and Protection of Privacy Act of Alberta (FOIP) applies to all information and records relating to, or obtained, generated, created, collected or provided under, the subsequent Competitive Bid or the Contract and which are in the custody or control of AFSC. FOIP allows any person a right of access to records in AFSC’s custody or control, subject to limited and specific exceptions as set out in FOIP;
(b) FOIP imposes an obligation on AFSC, and through the subsequent Competitive Bid and Contract on the Vendor(s), to protect the privacy of individuals to whom information relates. The Vendor(s) will protect the confidentiality and privacy of any individual’s Personal Information accessible to the Vendor(s) or collected by the Vendor(s) pursuant to the subsequent Competitive Bid or the Contract;
(c) The Vendor(s), if it considers portions of its Proposal to be confidential, will identify those parts of its Proposal to AFSC considered to be confidential and what harm could reasonably be expected from disclosure. AFSC does not warrant that this identification will preclude disclosure under FOIP;
(d) Materials produced by the Vendor(s), in connection with or pursuant to the subsequent Competitive Bid or the Contract, which are the property AFSC pursuant to the subsequent Competitive Bid or the Contract, could be considered records under the control of a public body and could therefore also be subject to the FOIP before delivery to AFSC. As such, the Vendor must conduct itself to a standard consistent with FOIP in relation to such Materials; and
(e) For the records and information obtained or possessed by the Vendor(s) in connection with or pursuant to the subsequent Competitive Bid or the Contract, and which are in the custody or control of AFSC, the Vendor(s) must conduct itself to a standard consistent with FOIP when providing the services or carrying out the duties or other obligations of the Vendor under the subsequent Competitive Bid or the Contract.
The purpose for collecting Personal Information for the Competitive Bid is to enable AFSC to ensure the accuracy and reliability of the information, to evaluate the Proposal, and for other related program purposes of AFSC. Authority for this collection is the Government Organization Act, as amended from time to time. The Vendor(s) may contact the Buyer identified in the Competitive Bid regarding any questions about collection of information pursuant to the Competitive Bid.
1.18 Reservation of Rights
AFSC reserves the right in its sole discretion to:
a) Accept or reject any or all Proposals;
b) Disqualify a Vendor in the event that, in AFSC’s opinion, the Proposal does not contain sufficient information to permit a thorough evaluation ;
c) Verify the validity of the information supplied and to reject any Proposal where the contents appear to be incorrect or inaccurate in AFSC’s estimation;
d) Seek Proposal clarification at any time with Vendor(s) to assist in making evaluations;
e) Accept Proposals in whole or in part;
f) Accept a Proposal with only minor non-compliance;
g) Retain one copy and destroy and dispose of all other copies of any and all Proposals received by AFSC;
h) Cancel this Competitive Bid process at any stage, without award or compensation to Vendors, their officers, directors, employees or agents, without assigning any reasons.
1.19 Competitive Bid Administration
The Proposal must indicate that the Vendor accepts the Procedures set down in this Competitive Bid. In accordance with this Competitive Bid, the Vendor, if it considers portions of its Proposal to be confidential, shall identify those parts of its Proposal to AFSC considered to be confidential and what harm could reasonably be expected from disclosure. AFSC does not warrant that this identification will preclude disclosure under FOIP.
1.20 Vendor Debriefing
The Corporate Purchasing Section will, at the request of an unsuccessful vendor who responded to this request for proposal, conduct a debriefing after Contract award for the purpose of informing the Vendor on the reasons their Proposal was not selected.
2.0 SCOPE OF WORK
2.1 Background
AFSC is seeking to modernize our lending management system so that we can improve lending turnaround times, client experience and risk management. The current Lending Management System (Envoy) runs on a PowerBuilder Platform and is becoming harder to support as knowledge of this language is becoming outdated. When changes are needed the effort required by developers and business staff to support the application is no longer sustainable.
Over the last 15 years, AFSC has customized Envoy based on changing business requirements. When a change to code is required it needs to go through various technical hands and testing prior to the change being deployed, resulting in frustration for staff and clients over the amount of time required for each change. As new requirements continue to be added to Envoy the reduced speed of this aging technology is becoming more evident.
AFSC’s Lending Platform makes use of several systems outside of Envoy, making the acquisition of a solution where staff can create and view all lending related content necessary. Due to the dispersed data, staff are unable to self-serve and create their own reports, requiring support from other departments, resulting in delays and higher wait times for clients.
AFSC is focused on process and system improvements that will amplify customer service standards while simultaneously reducing operating costs. We continue to look at ways to improving our technology and automation, so our customers have the ability to self-serve, resulting in better internal efficiencies and effectiveness.
Our current Lending Platform does not have the ability for customers to self-serve creating and viewing their loan information, such as statements and payouts. Currently customers must request AFSC provide loan information to them when needed, resulting in a lot of unnecessary effort and delays.
A new robust and flexible lending management system is required that will allow us to handle all components of the loan cycle stages in one system including application, adjudication, authorization, disbursement, management of the loan (amendments, document storing, Equifax reporting), pay-out and if necessary security action and write-off capabilities. The lending management system will also need to be flexible when it comes to security functionality and the ability to correct minor errors in the loan application easily. We are seeking a best practice toolset (fully managed application or cloud suite) that is easily configured and does not require customization. In your responses below, if functionality that is being requested, requires customization, please clearly explain in your responses.
The lending management system must integrate with current AFSC technology, today AFSC uses the Boomi Extract/Transform/Load (ETL) tool to support integration between its systems. A conversion plan for transferring data from Envoy will be required in order for us to continue to do business in an efficient and effective manner.
Business Objectives:
In pursuing a new lending platform, AFSC is seeking to address the following business objectives:
- Create capacity in the front, middle and back office for higher value activities (thus enhancing the Employee Experience)
- Improve efficiencies, by streamlining and simplifying origination to shorten lending cycle times
- Improve our Client Experience by providing quicker turnaround times, but also by offering self-serve options
- Digitize & automate origination in a single platform
- Improved transparency/analytics into the performance of both the portfolio as a whole and individual files.
- Modernize our foundation for origination to enable more agility as we make future changes, providing simplicity and cost
PLATFORM OBJECTIVES YES/NO VENDOR’S COMMENTS
Improve AFSC Client’s Experiences with Lending Origination & Annual Credit Review activities
Improve AFSC’s Employee Experiences with Origination & Annual Credit Review Activities
Shorten Origination Credit Cycle time
(get credit decision responses to client’s faster, Complete funding faster)
Streamline & Simplify AFSC’s Lending origination process
Digitize, Automate and Self enable administrative activities associated with lending origination
Free up Employee capacity in AFSC’s Front office
Free up Employee capacity in AFSC’s Credit Processing & Operations
Free up Employee capacity in AFSC’s risk management & Credit Adjudication
Improve AFSC’s ability to upgrade lending origination processes and tools going forward
2.2 Requirements – 40%
MINIMUM VIABLE PRODUCT
AFSC has several stated objectives for the Lending Platform. AFSC would like the Vendor’s response and experience in enabling these. In addition to commenting on the functionality of your platform, through this RFP we are seeking an understanding of how you recommend approaching an implementation, and a subsequent conversion project, as well as what support/resources you offer during the process.
Mandatory Requirement: Vendor must be experienced with Canadian institutions and the system must be in use in another Canadian Financial Institution. Please provide in Appendix D – Mandatory Requirements Pre-Screening an explanation of how your platform meets this requirement, and at least one of the references provided must be from a Canadian Financial Institution.
2.2.1 INTEGRATION
The proposed platform must be capable of integrating with 3rd party systems i.e. Salesforce, and through an ETL tool such as Boomi for integration points with current AFSC technology. It should provide a seamless experience for staff and clients – ideally resembling one system user experience. They should be able to move between systems, if needed, with minimal interruption. Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Customer relationship management system – Salesforce, including its add ins and apps
ERP6, EHP8 CML SAP financial system. Including real time integration of loan terms, fees, balances, disbursements and risk ratings
In house lending management application via an ETL tool, such as Boomi
Equifax
In house content management system (Sharepoint) which AFSC uses for document management
Business Intelligence application(s) – AFSC uses Saas and Microsoft BI
Communication tool(s) for email and SMS – AFSC uses Microsoft Office/ Office 365
Identity management system(s), Oracle IAM, Azure AD or other single sign on providers
2.2.2 DATA CONVERSION
A data conversion strategy and execution of migrating integral data from the in-house lending management application via our current ETL tool (Boomi).Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Business/Person Information (ie summary of business operation)
Active loans (ie loan terms)
Business Financials (ie assets and liabilities)
Business Risk (ie risk ratings)
Comparable sales and appraisals (ie land appraisals)
Collateral & Covenants (ie – equipment, real estate)
2.2.3 RISK MANAGEMENT
Require a system that manages the risk to AFSC, please also include in your comments how configurable each of these features are. Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Include or support NAICS (North America Industry Classification System) codes
Include or support Equifax scores (beacon and business failure risk (BFRS)
Ability to manually assign and track risk ratings
Ability to support a risk rating matrix, current (qualitative) and future (quantitative) matrices
Periodic assessment of the client’s loan performance and financial activities – provide examples of how the vendor has made these activities more efficient
2.2.4 CLIENT ENGAGEMENT
The client experience is a primary focus. Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Digital application that is available 24/7, 365 days a year on a desktop or mobile device (tablet, smartphone) that provides the client with the following self-serve functionality (all data should be in real time):
• Complete loan application
• View financial forms and input financial reporting
• Upload documentation
• Access lending calculator
• View AFSC’s interest rates
• View loan balances
• Submit disbursement requests and condition precedent management
• Message center
When completing a form the system should prepopulate common data from the CRM system wherever possible (such as tombstone information)
Configurable form controls and communications
For example:
• Business rules/ work flow to allow for Preapproved/authorized loans when application is submitted online.
• Client message centre to display messages advising of new programs, system outages,
Ability to configure the level of transparency during each stage of the loan. In some instances would want minimal visibility, with a message of “Contact AFSC” instead
Notify clients of upcoming renewals with proposed renewal terms
Single sign on, seamless transition between lending management system and CRM.
Client can enter their own asset and liabilities info, which is then sent for review and adjustment as needed by staff
2.2.5 COLLATERAL MANAGEMENT
Ability to manage and track security. Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Ability to add, view and modify the client’s and guarantor’s security
Security tracking when there are multiple loans and/or lenders
Views & Filtering (example: Filter for comparable sales for assessments and appraisal of loan security)
Track and report the present value of the security to determine the overall portfolio risk
Auto generate discharge notices. When Loan is paid out; have the options to discharge the security or hold the security so it can be used for future borrowing.
Track and advise on security expiry
Adjust the comparable sales historical data with Time, Location, Soil and Motivation.
Select pre-existing security, not re-enter
Ability to capture/track syndicated deals (joint lending with another financial institution)
2.2.6 RELATIONSHIP MANAGEMENT
AFSC uses Salesforce Case Management as a tool to manage relationships, please comment on the platform’s approach to relationship management, and how it functions with Salesforce. Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Populate relationship identifiers (ie. AFSC business number) and applicable relationships from CRM system
Easily configure which relationships are required
Seamless transition for CRM notes. Single view of the Client
2.2.7 WORKFLOW & NOTIFICATION
The lifecycle of the loan goes through various stages and revisions; select changes/revisions will need to trigger a workflow task and/or a notification to select users. Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Ability to provide notifications, and triggers between stages as needed. For example: When moving back to a previous stage it should trigger any workflow items and notifications for that stage, regardless of whether they were completed previously or not.
Ability to override a workflow task as required
Automated authorizations and role configuration based on organizational structure. For example: Ability to configure the workflow tasks and notifications based on roles, effort required to change when organizational restructuring occurs
Task Management functions. Reminder notifications for uncompleted workflow tasks , including real time status updates (ie if client documentation is outstanding)
Ability to trigger and manage review process
Track in real time every stage of the process (visibility into status of loan at any point in the process
Ability for staff to manage own notifications and workflow preferences (at the team and individual level). Individuals should be able to monitor and manage their work flow and assignments.
Ability to assign work within a team, to a specific person.
Forms (loan and security documentation) generated automatically at the correct stages
Automated renewal process, including client communication sent. Notification to the assigned staff member so they can follow up with client.
Built in business rules to guide and alert users i.e. beacon score < required threshold. Debt to Equity (D/E) above program requirement.
2.2.8 USER AUTHORIZATION
Ability to provide authorizations and limits based on the user role. Including, but not limited to:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Delegate lending limits by lending product to individuals involved in the lending process based on their roles, job classification, qualification levels and risk rating of the loan transaction.
Roles based rules engine - Authority levels to control who can do what at which stages (different authorization levels – not all tasks require the same rigor)
ability for administrator to change authorizations
2.2.9 GENERAL LENDING MANAGEMENT
Ability to manage the following activities (including but not limited to):
REQUIREMENT YES/NO VENDOR’S COMMENTS
Write off management
Arrears management
Display and manage stages of loan cycle (apply, adjudicate, approve, disburse and manage, administration) (ie. borrower name change, renewals)
Calculate total aggregate outstanding and authorized balances of any connected group of clients
Ability to complete borrower changes and automatically retrieve their applicable business financials information and have the option to manually update/override their information (ie. risk ratings)
Configurable program options, for instance the ability to scale the approach to a deal based on complexity. (ie. Express Loans (low risk up to $3M) and Quick Loans (low risk up to $150K) Please share the quantified efficiency gains where the vendor has enabled this previously)
Ability to maintain records of the client’s life and property insurance
Capable of capturing e signatures
Ability to use multiple/different Scorecards
Ability to maintain the client’s summary of operation such as development level and business category
Includes admin. capability to create new programs with prescribed program criteria i.e. payment terms, qualifying criteria (ie. when the government announces a new disaster program) Please outline time to market (in weeks) of new product/ offering launches
Deal management/portfolio transfers between lenders
Accommodate parallel processing so multiple functional units can be working on a client connection i.e. security searches can be pulled and added while a lender is writing the credit
Create a configurable loan summary report with pertinent client information, loan terms, collateral, etc. that would support a credit decision.
Configurable arrears reporting
2.2.10 FINANCIAL ANALYSIS
Ability to handle the following activities (including, but not limited to):
REQUIREMENT YES/NO VENDOR’S COMMENTS
Add and maintain the client’s financial information
System calculated and assigned risk ratings
Notification when out of covenant, please describe options for notifications included out of the box
Financial analysis tool with spreading capability with the flexibility for farm, agribusiness and commercial clients
Covenant inheritance reporting – workflow and analysis methodologies for input and tracking
Calculate financial ratios automatically
2.3 Value Add – 10%
The following requirements would be an asset to any lending management system AFSC considers.
2.3.1 INTEGRATION
Ability to integrate with the following third party data sources would be beneficial for AFSC’s future growth:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Ability to search the following external resources with a single search:
• Canada Revenue Agency
• International Registry of Mobile Assets
• Personal Property Registry (PPR) in including out of province
• Land Titles
• Bank of Canada
• Bankruptcy
• Corporate Registry
• Worker’s Compensation Board (WCB)
• Please provide information on other API standards, formats available out of the box
Agronomic and farm planning SaaS applications
Accounting firms for digitized receipt of financial statement information
2.3.2 LENDING MANAGEMENT
Ability to handle the following activities:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Complete appraisals on farm and commercial properties.
Document storage for client and internal documents, as a result or in support of the lending management processes.
Built in learning tools and workflow tips
2.3.3 CLIENT ENGAGEMENT
The following items would enhance the client experience:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Ability to view unrestricted data that is managed within the lending management system on afsc.ca (i.e. lending calculator, interest rates, etc.). Are there widgets or configuration based methods for making this content accessible on afsc.ca without requiring the user to log into the lending management system
Does your platform provide Staff with the ability to impersonate the client view? General client view, but would like the ability to impersonate a specific client view.
2.3.4 REPORTING
Ability for staff to generate the following reports via self-serve, from within the lending management system, without switching to another application:
REQUIREMENT YES/NO VENDOR’S COMMENTS
Sales pipeline report (reporting all stages of the loan) Provide pipeline reporting showing how many or the dollar value of deals in each stage of the pipeline. Dashboard functionality for management oversight of the active pipeline. Please describe ability to run configurable reports and ad-hoc reports
Does your platform provide the ability to monitor our portfolio balanced against our borrowing cap? (For instance, AFSC can only lend up to a certain amount of money, can we track this within the platform?
Amortization schedule calculator, must mirror calculations within SAP.
Outstanding requirements – Loan Compliance Omissions Report
Turnaround times and volume by status
Portfolio Dashboard that displays all loans by Lender with the ability to filter and sort the data as required
Watched accounts
Risk appetite trigger reporting
General and specific reserves
Some of AFSC’s lending products offer a financial incentive to groups of clients, can we track this within your platform?
Does your platform offer the ability to add the Alberta provincial borrowing rates and calculate the interest rate for each lending program based on a spread
2.4 Technology & Security – 25%
At AFSC, we are looking for a Vendor to provide a fully managed service as a cloud solution. This will be built around best practices and the latest technology and development trends. The technology will be focused on configuration over customization and provide simple, easy to use tools from client to administrator. This environment should be based on core principals of high availability and increased security. These items could include, but not limited to the following:
For ease of evaluation, please complete this questionnaire as separate Appendix to your response, using the chart format below:
GENERAL YES/NO VENDOR’S COMMENTS
Data Integrity (Error handling, exception reporting, robust spellcheck capability, data validation)
Other comments
AVAILABILITY, REDUNDANCY AND RESTORE YES/NO VENDOR’S COMMENTS
Does your platform offer High Availability with limited scheduled downtime (Including system upgrades & maintenance)
Does your platform offer Full system redundancy and failover (proven methods, different location datacenters, etc.), please describe
Please explain the approach to Backup and recovery (system & data). Identify your strategy, times, recovery methods, data validation, etc. Full back up as well as other types of backups such as differential and incremental backup.
Does the Vendor provide a Disaster Recovery Validation Exercise Report annually
Are the Data centers located in Canada, including any data backups? Please explain.
What Recovery Time Objective/Recovery Point Objective (RTO / RPO) can the Vendor commit to?
Other comments
DATA YES/NO VENDOR’S COMMENTS
Describe your standards for an embedded master database
Describe your data storage management strategy
Does the system support integration across all modules in the system i.e. enter data once updates all records
Does the system perform authorization checks before an action that transmits or deletes sensitive information or download large volumes of data or records
Please explain how your system can support the requirement for file uploads, scanned documents and any capabilities around an anti-virus threat management system
Does your platform offer Document management that supports PDF, Word and Excel file types.
Does your platform support variable retention policies. Current retention policies are 3-11 years.
Does your platform offer encryption of data in transit and at rest. Please provide what type of encryption is used.
Does your platform offer Encryption keys used for protecting cloud workloads to be stored outside of the application, secure management mechanism for recovery of decryption keys maintained by AFSC Digital Services.
Audit & Tracking of end user activities: Please explain how changes to file are recorded in the system.
Other comments
IDENTITY AND ACCESS MANAGEMENT YES/NO VENDOR’S COMMENTS
Describe your role management for role based access to the application
Does your system allow auto provisioning
Does the system support multifactor authentication (MFA) for the privileged users? Other users?
Does system configuration interface allow for mutli-factor authentication?
Mobile device access must utilize MFA
Integration with cloud access security broker (CASB) - CipherCloud, also Azure AD (single sign on) or other identity management systems
Other comments
CONFIGURATION / SYSTEM CONTROLS YES/NO VENDOR’S COMMENTS
User audit trail - Does the system maintain a log of all application related changes made to the application (i.e. software code changes, programming changes performed by a user, implementation of patches/fixes)?
Please describe your approach to software development/ platform enhancements
Describe the ability for continuous deployment and how this impacts the client application (benefits, limitations)
Does the system provide the ability to configure access controls and rights based on business requirements, i.e. sensitive information is restricted and to address the segregation of duties
What are your established procedures for configuration management and patch installation?
INTEGRATIONS YES/NO VENDOR’S COMMENTS
How does the system/service support third party APIs for application such as Salesforce and SAP
Describe your API rate limits
Describe your webservice capabilities/methods
Please describe integration capabilities with Microsoft Active Directory, Azure AD or
Describe how third party communication is authenticated, authorized and logged within the system.
Please explain, if and how are all integration points are authenticated and logged.
Please comment on data validation and handling as it relates to troubleshooting & integration activities
TEST ENVIRONMENTS YES/NO VENDOR’S COMMENTS
Describe the testing methodology, deployment practices and impact on the organization.
Describe the ability to spin up a sandbox environment as required
Describe your refresh process for sandbox/testing environment (duration, frequency limitation, etc.)
COMPLIANCE YES/NO VENDOR’S COMMENTS
The Vendor shall participate (as required) in AFSC’s Privacy Impact Assessment (PIA) process
The system must comply with legislative Canadian federal and provincial privacy requirements:
• Personal Information Protection Act (PIPA)
• Freedom of Information and Protection of Privacy Act (FOIP)
• Canada’s Anti-Spam Legislation (CASL)
• Anti-Money Laundering and Anti-Terrorist Financing (AML/ATF)
AUDIT TRAILS YES/NO VENDOR’S COMMENTS
Integration of logs with AFSC’s SIEM tool
Logging and monitoring details for user login attempts, successful and failure attempts.
Logging and monitoring details for system events, user activities, application events such as patches, code updates, etc.
Describe the system ability to generate audit logs that record (but not limited to) exceptions, security events, transaction failures, unauthorized access attempts, privileged user activities throughout all modules, with before/after history.
Logs should contain information to support AFSC’s investigation processes i.e. the user who performed the action, the date and time on which the action was performed, the type of action performed (i.e. which field was change).
DATA OWNERSHIP / EXIT CLAUSE YES/NO VENDOR’S COMMENTS
Describe your process for returning AFSC data, information and system on contract termination.
Describe your practices on data ownership and the transfer of AFSC Data to a 3rd party system or another Vendor if the tool / company no longer exists or the contract has been terminated
SECURITY YES/NO VENDOR’S COMMENTS
Can the user interface of the application be tested against SQL, NoSQL, CSV Injection, XSS, etc.
What are your notification standards following an indication or report of a breach or unintended disclosure of AFSC data OR system that supports AFSC
What is your established procedure for malware protection for all servers involved in the cloud service delivery?
Can you provide an experienced third party for external penetration tests at least twice a year?
Do you carry out and can you provide results of, internal network security audit at least annually (Audits conform to ISO 27001/2 requirements)
Can you provide security organization controls SOC2 attestation at least annually
Do you have process and controls in place to protect the system/service against denial of service attacks
Do you have controls in place to ensure the separation of data and security of information among customer applications
VALUE ADDED TECHNOLOGY YES/NO VENDOR’S COMMENTS
Provide your strategies for incident identification, containment, eradication and recovery
Do you test your security incident management process on an annual basis
Can you provide established procedures for vulnerability management, intrusion prevention, incident escalation and investigation
System Backup testing procedures including documented backup procedures
System’s dependencies are well documented.
Addresses OWASP top 10 vulnerabilities for browser exploits
SLAs to ensure service availability, service reporting and other remedial actions if service levels are not maintained
Controls in place to ensure network reliability (redundancy) is suitable to meet the service’s SLA
Vendor(s) proposing an alternative to a Competitive Bid requirement must clearly denote each as an alternative and substantiate the merit of that alternative. Proposed alternatives must substantially meet the fundamental intent of the requirement.
2.5 Short listing
A shortlist of vendors may be established. Short listed vendors may be requested to make formal presentations, regarding their Proposal to the Purchaser within five (5) Business Days of a request. Key vendor management and technical personnel will be expected to participate in the presentations. This process is used to validate claims made in the Proposal and confirm the vendor’s ability to meet the requirements in the Competitive Bid. These presentations must be made at no cost to AFSC. Based on information obtained at the presentation, vendors’ scores may be adjusted.
3.0 PROPOSAL SUBMISSION GUIDELINES
3.1 Proposal Format
To facilitate ease of evaluation by the Evaluation Team, and to ensure each Proposal receives full consideration, Proposals should be organized in the following format using the section titles and sequence listed below:
a) Table of Contents;
b) Proposal to Scope of Work (2.0);
c) Alternate Wording Template (Appendix C)
d) Mandatory Requirements Screening (Appendix D)
e) Vendor’s Agreement Template
f) Legal and Contact Information;
g) Corporate Capabilities and Executive Summary;
h) References;
i) Value Add;
j) Approach
k) Additional Information;
l) Assumptions;
m) Pricing
n) Proof of WCB and Insurance
o) Proof of Corporate Registry
Additional information may be included at the Vendor’s discretion, but this must not detract from the ability of AFSC to easily reference information for evaluation purposes.
3.2 Proposal Submissions
Vendors must provide (1) electronic version of their proposal by e-mail to RFP@AFSC.ca prior to the closing date and time of this Competitive Bid
Electronic versions (emails) must be less than 18 MB in order for AFSC to receive the Vendor’s submission. If the proposal is larger than 18 MB, it must be divided into a sufficient number of files such that each email, including attachments, is less than 18 MB.
AFSC cannot accept files on media storage devices.
If desired, one (1) hard copy proposal materials can be submitted and is to be sealed in a single package and clearly labelled as follows:
RFP Number: 0592
Closing Date: March 6, 2020
Closing Time: 1:00 pm MST
Attention: Buyer, Business Services
AFSC
5718 – 56th Avenue
Lacombe, AB
T4L 1B1
In responding to this Competitive Bid, your attention is drawn to the following:
• Proposals received after this Competitive Bid’s closing date and time will be rejected.
• Proposals received not in the order outlined above in Section 3.1 may not be evaluated further.
• Ambiguous, repetitive, unclear or unreadable Proposals may be cause for rejection.
• Proposals may be delivered by hand, courier, email or mail.
3.3 Blackout Period
With respect to the Competitive Bid, AFSC prohibits communications initiated by a Vendor to any AFSC employee, other than the Purchasing Department, for the period of time from the submission date of the Competitive Bid up to and including the date of contract award resulting from this Competitive Bid.
Any communication between a Vendor and AFSC during the Blackout Period will be initiated by AFSC, in writing, for the purpose of obtaining information or clarification necessary in order to ensure a proper and accurate evaluation of the Proposal. Any communication initiated by a Vendor during the Blackout Period may be grounds for disqualifying the offending Vendor from further consideration for the acquisition and/or any future AFSC solicitations.
AFSC will notify all Vendors upon award of a contract from this requisition. Accordingly, Vendors are asked to refrain from requesting status updates during the proposal evaluation process.
Vendors who are currently engaged in an active contract with AFSC may continue to communicate directly with the AFSC Contract Monitor as it relates to activities covered under the active contract.
3.4 Legal and Contact Information
The Proposal must contain:
a) The full legal name of the Vendor.
b) The location of the Vendor’s head office and service centers.
c) A Vendor contact for all questions and clarifications arising from the Proposal. The Proposal must include:
Individuals Name:
Vendor Address:
Position Title:
Telephone: Fax:
Email:
d) Vendor contact authorized to participate in Contract finalizations. The Proposal must include:
Individuals Name:
Vendor Address:
Position Title:
Telephone: Fax:
Email:
3.5 Corporate Capabilities and Executive Summary – Maximum Four (4) Pages – 15%
Proposals must include an executive summary of the key features of the Proposal. This summary should:
a) A brief introduction of the Vendor;
b) A brief company history and overview of the Vendor as it applies to the content of the Competitive Bid;
c) Demonstrate a sound understanding of the scope, objectives and requirements presented in this Competitive Bid;
d) The number and nature of engagements in similar scope and size as outlined in section 2.0 of Competitive Bid during the past two (2) years; and
e) Industry awards, certifications and other market place distinctions;
f) Indicate why the Vendor considers itself to be a “right” service provider and what key strengths it will bring to AFSC in the immediate and long term.
3.6 References
Using the tables provided below, please provide references for your last three implementations. In addition, please provide up to six references reasonably comparable to AFSC, in terms of sector and size, which reflect the Vendor’s ability to work cooperatively with clients to successfully perform services on time and on budget. In all cases, please provide context regarding the engagement scope and length, and the impact (benefits realized by the client).
AFSC intends to utilize reference checks as part of the evaluation process; therefore, it is expected that the Vendor(s) will be able to arrange for AFSC to contact the reference during the evaluation period. We will check references after shortlisting vendor responses.
Government and Agencies, references would be preferred if available.
Client Reference #1
Reference Contact Individual Role:
Telephone:
Email:
Date Service Performed:
Description of Service Provided:
Outline of Business Results Achieved:
What will this client reference say about working with you:
Will you be able to provide contact details for this client (Y/N):
Client Reference #2
Reference Contact Individual Role:
Telephone:
Email:
Date Service Performed:
Description of Service Provided:
Outline of Business Results Achieved:
What will this client reference say about working with you:
Will you be able to provide contact details for this client (Y/N):
Client Reference #3
Reference Contact Individual Role:
Telephone:
Email:
Date Service Performed:
Description of Service Provided:
Outline of Business Results Achieved:
What will this client reference say about working with you:
Will you be able to provide contact details for this client (Y/N):
Client Reference #4
Reference Contact Individual Role:
Telephone:
Email:
Date Service Performed:
Description of Service Provided:
Outline of Business Results Achieved:
What will this client reference say about working with you:
Will you be able to provide contact details for this client (Y/N):
Client Reference #5
Reference Contact Individual Role:
Telephone:
Email:
Date Service Performed:
Description of Service Provided:
Outline of Business Results Achieved:
What will this client reference say about working with you:
Will you be able to provide contact details for this client (Y/N):
Client Reference #6
Reference Contact Individual Role:
Telephone:
Email:
Date Service Performed:
Description of Service Provided:
Outline of Business Results Achieved:
What will this client reference say about working with you:
Will you be able to provide contact details for this client (Y/N):
3.7 Approach – 10%
Proposal should include the following:
a) An understanding of how the vendor recommends approaching platform implementation
b) A description of corporate philosophies, values, culture and approaches especially as they relate to the requirements of AFSC;
c) A description of the Vendor’s decision making approach and philosophy; and;
d) The Proposal must provide two project examples to demonstrate the Vendor’s ability to take ownership, accept accountability and deliver on commitments made and to “stand behind their work”.
e) How the Vendor plans to proactively address issues that may come up in regards to a relationship with AFSC.
f) Provide the Vendor’s approach to quality assurance and performance management processes, techniques, change control and tools.
Based on Industry best practices with an organization of similar size and scope to AFSC, please provide your implementation methodology and recommendations, for example:
• Guide AFSC through the system implementation process - modules that should be focused on in order of priority, with a focus on interdependency.
Include an estimated timeframe (roadmap) for implementation/configuration
• Identify resources required for implementation – identify both Vendor’s and AFSC provided resources. For your awareness, AFSC is in a multi-year contract with Price Waterhouse Cooper (PwC) to support our Salesforce related implementations, resources provided by AFSC may be internal employees or as part of our agreement with PwC (as required).
• Provide an overview of competencies of your Support Team (e.g. required certifications / designations)
• Discuss your Support Model and Training that will be provided pre, during, and post-implementation
Identify in detail any constraints and assumptions that have been made in your proposal.
Vendor(s) proposing an alternative to a Competitive Bid requirement must clearly denote each as an alternative and substantiate the merit of that alternative. Proposed alternatives must substantially meet the fundamental intent of the requirement.
3.8 Assumptions
Vendor is expected to identify in detail any assumptions that have been made during the creation of their written Proposal to the scope identified.
3.9 WCB and Insurance
Please provide proof of WCB and Insurance.
3.10 Corporate Registry
The vendor should provide proof to confirm their corporate registry number.
4.0. PRICING
4.1 Pricing
The Vendor must provide pricing considerations for both the operating expenses and the capital expenses associated with the proposed vendor solution.
4.1.1 Operating Expenses
In order for AFSC to assess the operating expenses associated with the proposed Vendor solution please outline the licencing and operating cost structure you offer. Please do not include any one time execution costs or ‘Costs to achieve’ in this section (see section Capital Expenses for those):
Vendor Pricing Structure Can you provide this Structure (Y/N) Approximate Annual Costs
Enterprise Licensing Structure $
User Sku Cost Structure $
Module Based Cost Structure $
Other Cost Structure (Please describe) $
Please describe your pricing structure options outlined above in your own words and describe which would be most appropriate for AFSC and why.
Vendor Pricing Structure (Please describe your pricing structure and recommendation)
Do you offer any Volume or Scale discounts?
Volume or Scale Tiers Quantified Threshold Approximate Discount
First Tier (describe) %
Second Volume Tier (describe) %
Third Volume Tier (describe) %
Do you offer any other value added considerations in your contracting structure?
4.1.2 Capital Expenses
In order for AFSC to assess the capital expenses associated with this program please provide commentary and estimated hours for implementation, based on the requirements in 2.0. For your awareness, AFSC is in a multi-year contract with Price Waterhouse Cooper (PwC) to support our Salesforce related implementations. Please indicate any resources you recommend for implementation, and provide details on the calculation including the hourly rates of your resources in Canadian dollars in the table below. Please be sure to indicate any resources you assume AFSC will provide.
Please also identify any other administrative fees or services charges, and indicate how you will be invoicing in detail. Identify any other administrative fees or services charges, and indicate how you will be invoicing in detail.
Loan origination platform Vendor Role Estimated Hours Hourly Rate
$
$
$
Notes: Vendors are to provide a high level project plan with an estimated timeline, cost based on their resources rates and estimated expenses.
4.2 G. S. T. Certification Clause
This is to certify that the services ordered or purchased are for the use of, and are being purchased by AFSC with Crown funds, and are therefore not subject to the goods and services and harmonized sales tax.
5.0 EVALUATION
The members of the evaluation committee consist of AFSC staff from the product lines or a part of the specified project/area/department requesting the services. Each member evaluates each written Proposal independently. The evaluation committee will not discuss the written Proposals or evaluations during the evaluation process. The individual Proposals are submitted to the registered Buyer for the Competitive Bid who combines each individual Proposal into a excel spreadsheet that consists of raw and mean scores to create a total combined points allotment for each written Proposal received and evaluated.
1. Written Proposals
Written Proposals will be scored on utilizing the following sections and weighted percentage:
Corporate Capabilities and Executive Summary - 15%
Requirements - 40 %
Value Add - 10%
Technology & Security - 25%
Approach - 10%
2. Demo/Interview
Those written Proposals that score the highest will be short listed to participate in a subsequent demo presentation process. The Demo presentation is evaluated in a similar manner to the written responses and is evaluated independently from the Written Responses.
DEMOS ARE TENTATIVELY SCHEDULED FOR MARCH 31 – APRIL 2, 2020
Written - 40%
Demo - 30%
Pricing – 30%
The Written portion will be weighted at 50%, the Demo portion at 30% and the pricing at 30% respectively.
The scores of the Written, Demo and Pricing portions will be collated to give an overall assessment and the Respondent with the highest rating will be awarded the bid.
In the event of only one response received and is applicable, AFSC can, in its discretion, omit the interview portion and adjust the process.
Contract negotiations must be completed prior to award and may be used as part of the award decision.
6.0 APPENDICES
The following Appendices are included with this Competitive Bid:
6.1 Appendix A: Question and Answer Template
6.2 Appendix B: Terms of Business
6.3 Appendix C: Alternate Wording-Additional Clause Template
6.4 Appendix D: Mandatory Requirements Pre-screening
