SNDB/COK/ADMIN/TD/561/2015 COPY NO: Sindh Bank Limited. Tender Document PROVISION OF GROUP LIFE INSURANCE SERVICES. This report contains ;109 pages

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1 SNB/COK/AMIN/T/561/2015 COPY NO: Sindh Bank Limitd Tndr ocumnt PROVISION OF GROUP LIF INSURANC SRVICS This rport contains ;109 pags

2 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Tabl of Contnts FINITIONS i 1 INVITATION FOR BIS (IFB) 1 2 INSTRUCTION TO BIRS (ITB) Corrspondnc Addrss ligibl Biddrs Corrupt Practic Prparation of Bids Bidding Procss Cost of Bidding Languag of Bid Tchnical Proposal Financial Proposal Bid Currncis Bid Scurity Bid Validity Submission of Bids Saling and Marking of Bids Rspons Tim xtnsion of Tim Priod for Submission of Bids Clarification of Bidding ocumnts Lat Bids Withdrawal of Bids Cancllation of Bidding Procss Mchanism for Rdrssal of Grivancs Rviw Panl Mattrs not subjct to Appal or Rviw Opning and valuation of Bids Opning of Bids by SNB Clarification of Bids Prliminary xamination Supplir ligibility Critria ligibility Critria iscussions Prior to valuation Award of Contract Award Critria SNB s Right to Accpt Any Bid and to rjct any or all Bids Notification of Award Signing of Contract Prformanc Scurity Gnral Conditions of Contract Spcial Conditions of Contract Intgrity Pact 13

3 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Non isclosur Agrmnt 13 3 SCOP OF WORK/TCHNICAL SPCIFICATION 14 4 FINANCIAL PROPOSAL 15 5 CONTRACT Conditions Of Contract finitions Law Govrning Contract Notic Authorizd Rprsntativ Taxs and utis ffctivnss of Contract xpiration of Contract Modifications or Variations Forc Majur Trmination Good Faith Sttlmnt of isputs ata Ownrship Obligations of th Supplir Spcial Conditions of Contract Prformanc Scurity Paymnt Pric 22 6 BI FORM (Annxur A ) 23 7 BI SCURITY FORM (Annxur B ) 25 8 PRFORMANC SCURITY FORM (Annxur C ) 26 9 INTGRTIY PACT (Annxur ) SCHUL OF OPNING & SUBMISSION OF BI (Annxur ) FORM OF CONTRACT-Non isclosur Agrmnt (Annxur F ) LIST OF MPLOYS (Annxur G ) AFFIAVIT/UNRTAKING (Annxur H ) 109

4 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics FINITIONS Bid mans a tndr, or an offr by a prson, consultant, firm, company or an organization xprssing willingnss to undrtak a spcifid task at a pric, in rspons to an invitation by SNB. Bid with Lowst valuatd Cost mans th bid quoting lowst cost amongst all thos bids valuatd to b substantially rsponsiv; Biddr mans a prson or ntity submitting a bid; Bidding ocumnts mans all documnts providd to th intrstd biddrs to facilitat thm in prparation of thir bids in uniform mannr; Bidding Procss mans th procurmnt procdur undr which sald bids ar invitd, rcivd, opnd, xamind and valuatd for th purpos of awarding a contract; Blacklisting mans barring a biddr, contractor, consultant or supplir from participating in any futur procurmnt procdings. Calndar ays mans days including all holidays; Conflict of Intrst mans - (i) (ii) (iii) (iv) whr a contractor, supplir or consultant provids, or could provid, or could b prcivd as providing biasd profssional advic to SNB to obtain an undu bnfit for himslf or thos affiliatd with him; rciving or giving any rmunration dirctly or indirctly in connction with th assignmnt xcpt as providd in th contract; any ngagmnt in consulting or othr procurmnt activitis of a contractor, consultant or srvic providr that conflicts with his rol or rlationship with th SNB undr th contract; whr an official of th SNB ngagd in th procurmnt procss has a financial or conomic intrst in th outcom of th procss of procurmnt, in a dirct or an indirct mannr; Consultant mans a profssional who can study, dsign, organiz, valuat and manag projcts or assss, valuat and provid spcialist advic or giv tchnical assistanc for making or drafting policis, institutional rforms and includs privat ntitis, consulting firms, lgal advisors, nginring firms, construction managrs, managmnt firms, procurmnt agnts, inspction agnts, auditors, intrnational and multinational organizations, invstmnt and mrchant banks, univrsitis, rsarch institutions, govrnmnt agncis, nongovrnmntal organizations, and individuals; Consulting Srvics mans srvics of an advisory and intllctual natur providd by consultants using thir profssional skills to study, dsign, organiz, and manag projcts, ncompassing multipl activitis and disciplins, including th crafting of sctor policis and institutional rforms, spcialist advic, lgal advic and intgratd solutions, chang managmnt and financial advisory srvics, planning and nginring studis, and architctural dsign srvics, suprvision, social and nvironmntal assssmnts, tchnical assistanc, and programm implmntation; i

5 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Contract mans an agrmnt nforcabl by law and includs Gnral and Spcial Conditions, Spcifications, rawings and Bill of Quantitis; Contractor mans a prson, firm, company or organization that undrtaks to xcut works including srvics rlatd thrto, othr than consulting srvics, incidntal to or rquird for th contract bing undrtakn for th works; Corrupt and Fraudulnt Practics mans ithr on or any combination of th practics givn blow; Corciv Practic mans any impairing or harming, or thratning to impair or harm, dirctly or indirctly, any party or th proprty of th party to influnc th actions of a party to achiv a wrongful gain or to caus a wrongful loss to anothr party; Collusiv Practic mans any arrangmnt btwn two or mor partis to th procurmnt procss or contract xcution, dsignd to achiv with or without th knowldg of th SNB to stablish prics at artificial, noncomptitiv lvls for any wrongful gain; Corrupt Practic mans th offring, giving, rciving or soliciting, dirctly or indirctly, of anything of valu to influnc th acts of anothr party for wrongful gain; Fraudulnt Practic mans any act or omission, including a misrprsntation, that knowingly or rcklssly mislads, or attmpts to mislad, a party to obtain a financial or othr bnfit or to avoid an obligation; Obstructiv Practic mans harming or thratning to harm, dirctly or indirctly, prsons or thir proprty to influnc thir participation in a procurmnt procss, or affct th xcution of a contract or dlibratly dstroying, falsifying, altring or concaling of vidnc matrial to th invstigation or making fals statmnts bfor invstigators in ordr to matrially impd an invstigation into allgations of a corrupt, fraudulnt, corciv or collusiv practic; or thratning, harassing or intimidating any party to prvnt it from disclosing its knowldg of mattrs rlvant to th invstigation or from pursuing th invstigation, or acts intndd to matrially impd th xrcis of inspction and audit rights providd for undr th Ruls. mrgncy mans natural calamitis, disastrs, accidnts, war and brakdown of oprational quipmnt, plant, machinry or nginring infrastructurs, which may giv ris to abnor situation rquiring prompt and immdiat action to limit or avoid damag to prson(s), proprty or th nvironmnt; Goods mans articls and objct of vry kind and dscription including raw matrials, drugs and mdicins, products, quipmnts, machinry, spars and commoditis in any form, including solid, liquid and gasous form, and includs srvics idntical to installation, transport, maintnanc and similar obligations rlatd to th supply of goods, if th valu of ths srvics dos not xcd th valu of such goods; Govrnmnt mans th Govrnmnt of Sindh; Had of th partmnt mans th administrativ had of th dpartmnt or th organization; ii

6 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Lowst valuatd Bid mans a bid for goods, works and srvics having th lowst valuatd cost among th substantially rsponsiv bids Lowst Submittd Pric mans th lowst pric quotd in a bid, which is othrwis not substantially rsponsiv; Mis-procurmnt mans public procurmnt in contravntion of any provision of Sindh Public Procurmnt Act, 2010, any rul, rgulation, ordr or instruction mad thrundr or any othr law in rspct throf, or rlating to, public procurmnt; Notic Inviting Tndr mans th notic issud by a SNB through publication in th nwspaprs or through lctronic mans for th purpos of inviting bids, or applications for pr-qualifications, or xprssion of intrsts, which may includ Tndr Notic, Invitation for Bids, Notic for Prqualifications or Rqust for xprssion of Intrsts; Opn Comptitiv Bidding mans a fair and transparnt spcifid procdur dfind undr ths Ruls, advrtisd in th prscribd mannr, lading to th award of a contract whrby all intrstd prsons, firms, companis or organizations may bid for th contract and includs both National and Intrnational Comptitiv Biddings; SNB mans th Sindh Bank Limitd; Srvics mans any objct of procurmnt othr than goods or works, and includs consultancy srvics; Substantially Rsponsiv Bid mans th bid that contains no matrial diffrncs or dviations from, or rsrvations to, th trms, conditions and spcifications givn in th bidding documnts; Supplir mans a prson, firm, company or an organization that undrtaks to supply goods and srvics rlatd thrto, othr than consulting srvics, rquird for th contract; Valu for Mony mans bst rturns for ach rup spnt in trms of quality, timlinss, rliability, aftr sals srvic, up-grad ability, pric, sourc, and th combination of whol-lif cost and quality to mt SNB s rquirmnts. iii

7 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 1 INVITATION FOR BIS (IFB) Sindh Bank Limitd (SNB) invits proposal from SCP approvd Insuranc Companis having minimum 10 yars xprinc for providing lif insuranc covrag to Bank mploys undr Group Lif Insuranc Policy. Mor dtails of th spcifications of rlatd srvics to b providd ar givn in th scop of srvic in Sction [3] hrto. Biddrs will b slctd undr procdur dscribd in this tndr documnt in accordanc with th Sindh Public Procurmnt Ruls 2010 (Amndd 2) and instructions to biddrs ITB givn undr SPPRA bidding documnt for national comptitiv bidding Pakistan procurmnt of goods, which can b found at For th purposs of this documnt, any rfrnc to th trm Act shall man a rfrnc to th Sindh Public Procurmnt Act 2009 and any rfrnc to th Ruls shall man a rfrnc to th Sindh Public Procurmnt Ruls (Amndd 2) This T includs th following Sctions: Instructions to Biddrs (ITB) ligibility Critria Scop of Work / Tchnical Proposal Financial Proposal Conditions of Contract Proposals must b submittd at th blow mntiond addrss; Yours sincrly, Had of Human Rsourcs SINH BANK LIMIT HA OFFIC 3 rd Floor, Fdration Hous, Abdullah Shah Ghazi Road, Clifton, Karachi

8 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 2 INSTRUCTION TO BIRS (ITB) For All lgal purpos, all clauss of instructions to biddrs (ITB) hoistd by SPPRA on thir wbsit will b takn as part and parcl of this tndr documnt and th agrmnt throf. Accordingly th biddrs ar advisd in thir own intrst to go through th sam mticulously as ignoranc of th said ITB will not b takn as xcus to waiv off any plnty or lgal procdings. Howvr, fw important clauss of th abov mntiond ITB ar appndd blow for th guidanc/prusal of th biddrs. 2.1 Corrspondnc Addrss Th contact numbr and th corrspondnc addrss for submitting th proposals ar as follow: Had of Human Rsourcs SINH BANK LIMIT HA OFFIC 3 rd Floor, Fdration Hous, Abdullah Shah Ghazi Road, Clifton, Karachi ligibl Biddrs All th biddrs duly incorporatd and basd in Pakistan govrnd by ruls, laws and statuts of Govrnmnt of Pakistan and Govrnmnt of Sindh shall b ligibl. [SPPRA Rul 29] 2.3 Corrupt Practic 1. SNB rquirs that Biddrs / Supplirs / Contractors, obsrv th highst standard of thics during th procurmnt and xcution of contract and rfrain from undrtaking or participating in any corrupt or fraudulnt practics. [SPPRA Rul 2 (q iii, iv)] 2. SNB will rjct a proposal for award, if it dtrmins that th Biddr rcommndd for award was ngagd in any corrupt or has bn blacklistd undr th Sindh Public Procurmnt Ruls 2010, in compting for th contract in qustion. 3. Any fals information or misstatmnt on th part of th vndor will lad to disqualification/ blacklisting/ lgal procding rgardlss of th pric or quality of th product. 2

9 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 2.4 Prparation of Bids Bidding Procss This is th Singl Stag Two nvlop Procdur; a bid shall compris a singl packag containing two sparat nvlops. ach nvlop shall contain sparatly th FINANCIAL PROPOSAL and th TCHNICAL PROPOSAL. [SPPRA Rul 46 (2-a)] Cost of Bidding Th biddr shall bar all costs associatd with th prparation and submission of its bid and SNB will in no cas b rsponsibl or liabl for thos costs, rgardlss of th conduct or outcom of th bidding procss Languag of Bid Th bid prpard by th biddrs as wll as all corrspondnc and documnts xchangd by th biddr and SNB must b writtn in nglish. [SPPRA Rul 6 (1)] Tchnical Proposal Biddrs ar rquird to submit th Tchnical Proposal stating a brif dscription of th biddr s organization outlining thir rcnt xprinc, th nams of Sub-Biddr/Profssional Staff who participats during th assignmnt, th tchnical approach, sampl tmplats/prototyps of dlivrabls, mthodology, work plan, organization and staff, including workabl suggstions that could improv th quality and ffctivnss of th assignmnt. Th firm will b only tchnically qualifid aftr confirmation of spcifications on physical vrification of askd itms and satisfying of sufficint production mchanism. Th dat of visit for abov inspction by th procurmnt committ of th bank will b givn during procss of complting ligibility critria. Aftr du inspction of rquisit itms, th biddr will b dclard Qualifid in Tchnical Qualification Phas Financial Proposal Th Financial Proposal shall b prpard using th standard form attachd, duly signd by th authorizd rprsntativ of th Biddr. It should list all costs associatd with th assignmnt including rmunration for staff, and rimbursabl xpnss and such othr information as may b spcifically rqustd by SNB. Altrnativly, th biddr may provid his/hr/its own list of costs with all itms dscribd in th Tchnical proposal pricd sparatly Bid Currncis For th purpos of comparison of bids quotd in diffrnt currncis, pric shall b convrtd in PAK RUP (PKR). Th rat of xchang shall b th slling rat prvailing svn working days bfor th dat of opning of th bids. [SPPRA Rul 42 (2)] 3

10 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Bid Scurity Th SNB shall rquir th biddrs to furnish th arnst 5% of Bidding Cost or Irrvocabl Bank Guarant accptabl to th bank, which shall rmain valid for a priod of twnty ight (28) days byond th validity priod for bids, in ordr to provid th SNB rasonabl tim to act, if th scurity is to b calld. [SPPRA Rul 37(1)] Bid Scurity should b attachd with Financial Proposal. Biddrs ar also rquird to submit affidavit that th Bid Scurity has bn attachd with th Financial Proposal. Any Bid not accompanid by an accptabl Bid Scurity shall b rjctd by th SNB as non rsponsiv. Bid scurity shall b rlasd to th unsuccssful biddrs onc th contract will b signd with th succssful biddr or th validity priod has xpird. [SPPRA Rul 37(2)] Th bid scurity shall b forfitd: If a Biddr withdraws its bid during th priod of its validity spcifid by th Biddr on th Bid Form; or In th cas of a succssful Biddr, if th Biddr fails to; - Sign th contract in accordanc with ITB Sction [2.7.4]; or - Furnish prformanc scurity in accordanc with ITB Sction [2.7.5] Bid Validity Bids shall rmain valid for a priod of ninty (90) days, aftr th dat of bid opning prscribd by SNB; [SPPRA Rul 38 (1)] Whnvr an xtnsion of bid validity priod is rqustd, a biddr shall hav th right to rfus to grant such an xtnsion and withdraw his bid and bid scurity shall b rturnd forthwith; and [SPPRA Rul 38 (6)] Biddrs who agr to xtnsion of th bid validity priod shall also xtnd validity of th bid scurity for th agrd xtndd priod of th bid validity. [SPPRA Rul 38 (7-a)] 2.5 Submission of Bids Saling and Marking of Bids Bid shall compris a singl packag containing two sparat nvlops. ach nvlop shall contain sparatly th financial proposal and th tchnical proposal. nvlop shall b markd as FINANCIAL PROPOSAL and TCHNICAL PROPOSAL in bold and lgibl lttrs to avoid confusion. [SPPRA Rul 46 (2-a & b)] 4

11 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Rspons Tim Biddrs ar rquird to submit thir Bids within fiftn (15) calndar days from th dat of publication of Notic Inviting Tndr as pr National Comptitiv Bidding. Bids must b rcivd by SNB at th addrss spcifid undr ITB Sction [2.1] within offic hours. [SPPRA Rul 18 (2)] xtnsion of Tim Priod for Submission of Bids SNB may xtnd th dadlin for submission of bids only, if on or all of th following conditions xist; - Fwr than thr bids hav bn submittd and SNB is unanimous in its viw that widr comptition can b nsurd by xtnding th dadlin. In such cas, th bids submittd shall b rturnd to th Biddrs un-opnd; [SPPRA Rul 22 (1)] - If th SNB is convincd that such xtraordinary circumstancs hav arisn owing to law and ordr situation or a natural calamity that th dadlin should b xtndd. [SPPRA Rul 22 (2)] Clarification of Bidding ocumnts An intrstd biddr, who has obtaind bidding documnts, may rqust for clarification of contnts of th bidding documnt in writing, and SNB shall rspond to such quris in writing within thr calndar days, providd thy ar rcivd at last fiv (5) calndar days prior to th dat of opning of bid. [SPPRA Rul 23 (1)] It should b notd that any clarification to any qury by a biddr shall also b communicatd to all partis, who hav obtaind biding documnts Lat Bids Any bid rcivd by SNB aftr th dadlin for submission of bids prscribd by SNB pursuant to ITB Sction [2.5.2] will b rjctd and rturnd unopnd to th Biddr. [SPPRA Rul 24 (1)].Th rjction of bids rcivd aftr th dadlin for submission shall apply rgardlss of any rason whatsovr for such dlayd rcipt Withdrawal of Bids Th Biddr may withdraw its Tchnical Proposal and Financial Proposal aftr it has bn submittd by snding a writtn Withdrawal Notic, duly signd by th Biddr and/or by an authorizd rprsntativ, and shall includ a copy of th authorization. Providd that, writtn notic of Withdrawal, shall b rcivd by SNB prior to th opning of bids. No bid shall b withdrawn in th intrval btwn th opning of Bids and th xpiration of th priod of Bid validity spcifid in ITB sction [2.4.8]. 5

12 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Cancllation of Bidding Procss 1. SNB may cancl th bidding procss at any tim prior to th accptanc of a bid or proposal; [SPPRA Rul 25 (1)] 2. SNB shall incur no liability towards th biddrs, solly by virtu of its invoking subrul ( ); [SPPRA Rul 25 (2)] 3. Intimation of th cancllation of bidding procss shall b givn promptly to all biddrs and bid scurity shall b rturnd along with such intimation; [SPPRA Rul 25 (3)] 4. SNB shall, upon rqust by any of th biddrs, communicat to such biddr, grounds for th cancllation of bidding procss, but is not rquird to justify such grounds. [SPPRA Rul 25 (4)] Mchanism for Rdrssal of Grivancs SNB has a Committ for Complaint Rdrssal to addrss th complaints of biddr that may occur during th procurmnt procdings. [SPPRA Rul 31 (1)] Any biddr bing aggrivd by any act or dcision of th SNB during procurmnt procdings may lodg a writtn complaint aftr th dcision causing th grivanc has bn announcd. [SPPRA Rul 31(3)] Th complaint rdrssal committ upon rciving a complaint from an aggrivd biddr may, if satisfid; [SPPRA Rul 31(4)] 1. prohibit th procurmnt committ from acting or dciding in a mannr, inconsistnt with ths ruls and rgulations; [SPPRA Rul 31(4-a)] 2. annul in whol or in part, any unauthorizd act or dcision of th procurmnt committ; [SPPRA Rul 31(4-b)] and 3. rvrs any dcision of th procurmnt committ or substitut its own dcision for such a dcision; Providd that th complaint rdrssal committ shall not mak any dcision to award th contract. [SPPRA Rul 31(4-c)] SNB shall announc its dcision as to th grivanc within svn (7) days. Th dcision shall b intimatd to th Biddr and th Authority within thr (3) working days by SNB. [SPPRA Rul 31(5)] SNB shall award th contract only aftr th dcision of th complaint rdrssal committ [SPPRA Rul 31 (6)] Mr fact of lodging of a complaint by a biddr shall no warrant suspnsion of th procurmnt procdings. [SPPRA Rul 31(7)] 6

13 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics A biddr not satisfid with dcision of th SNB complaints rdrssal committ may lodg an appal to th Chif Scrtary through th Authority, who shall rfr th mattr to a rviw panl in accordanc with ITB sction [2.5.9]; [SPPRA Rul 31(8)] A biddr may fil an appal to th Chif Scrtary providd; [SPPRA Rul 31(9)] 1. that th biddr has xhaustd his complaint to th complaint rdrssal committ [SPPRA Rul 31(9-a)]; and 2. That h has not withdrawn th bid scurity dpositd by him during th procurmnt procss. [SPPRA Rul 31(9-b)] Th biddr must submit th appal to th Chif Scrtary with th following documnts: [SPPRA Rul 31(10)] 1. a lttr stating his wish to appal to th Rviw Panl and th natur of complaint; [SPPRA Rul 31(10-a)] 2. a copy of th complaint arlir submittd to th complaint rdrssal committ of th partmnt and all supporting documnts in a sald nvlop; [SPPRA Rul 31(10- b)] and Upon rcipt of an appal and rgistration f, th Chif Scrtary shall slct a Rviw Panl to xamin th complaint. Simultanously, th Authority shall inform th biddr and th Had of th concrnd partmnt of th action takn by th Chif Scrtary. [SPPRA Rul 31(11)] On rcipt of rfrnc from th Chif Scrtary, th Chairprson of th Rviw Panl shall convn a mting of th rviw panl within fiv working days. [SPPRA Rul 31(12)] Unlss th Rviw Panl rcommnds dismissal of th complaint bing frivolous, in which cas th biddr shall loos th bid scurity dpositd with th SNB, th Rviw Panl may: [SPPRA Rul 31(13)] 1. propos rjction of th complaint, stating its rasons; [SPPRA Rul 31(13-a)] 2. stat th ruls or principls that govrn th subjct mattr of th complaint; [SPPRA Rul 31(13-b)] 3. point out th infirmitis and brach of ruls and rgulations by th procuring agncis; [SPPRA Rul 31(13-c)] 4. suggst annulmnt in whol or in part of a non-compliant act or dcision of a SNB, othr than any act or dcision bringing th procurmnt contract into forc; [SPPRA Rul 31(13-d)] 5. if th SNB is in brach of its obligations undr th Act, Ruls or Rgulations, suggst th paymnt of compnsation by th officr(s) rsponsibl for misprocurmnt for cost incurrd by th biddr on prparation of bid, including th cost of th complaint rgistration f paid by th complainant; [SPPRA Rul 31(13-)]or 6. Rcommnds that th procurmnt procdings may b trminatd, in cas th procurmnt contract has not bn signd. [SPPRA Rul 31(13-f)] 7

14 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics It shall b mandatory for both, th complainant and th SNB to appar bfor th Rviw Panl as and whn calld and produc documnts, whn so rquird. Th Rviw Panl shall issu th notic of apparanc to th Had of th partmnt for its srvic who shall nsur th attndanc of th Had of SNB along with rlvant rcord. In cas of failur of Had of SNB to appar bfor rviw panl dspit srvic, th Authority shall bring th mattr to th notic of Chif Scrtary. In cas th complainant fails to appar twic, dspit srvic th rfrnc may b dcidd x-part. Th Rviw Panl shall har th partis and giv its rcommndations to th Authority within thirty days of rcipt of rfrnc. In cas, mor tim is rquird, th Rviw Panl may sk xtnsion from th Chif Scrtary through th Authority numrating th rasons for dlay. Th Authority shall submit ths rcommndations to th Chif Scrtary who shall dcid th appal kping in viw th rcommndations of th Rviw Panl; Providd that th Chif Scrtary may rfr th mattr back to th Rviw Panl, if thr is som ambiguity or vagunss in th rcommndations and a clarification is to b sought. Th Rviw Panl shall clarify th mattr within svn calndar days, following which th Chif Scrtary would dcid th mattr; [SPPRA Rul 31(14)] Th dcision of th Chif Scrtary shall b final and th SNB shall act upon such findings. Aftr th dcision has bn issud, th complaint and th dcision shall b hoistd by th Authority on its wbsit within thr working days; Providd that no information shall b disclosd if its disclosur would b against th public intrst or may jopardiz national scurity. [SPPRA Rul 31(15)] IMPORTANT In addition to abov it may b addd that no complaint will b ntrtaind unlss it is:- a) Forwardd on company's original lttr had with complt addrss, NTN of th Company and CNIC of th complainant. b) Incriminating vidnc in rspct of complaint Rviw Panl Th Authority shall maintain a list of Rviw Panlists for th purpos of rviwing a biddr s complaint. Th Panlist shall b appointd on such trms and conditions as th Authority may from tim to tim notify with th approval of th Chif Scrtary. [SPPRA Rul 32(1)] Th List of Spcialists shall b formd from a numbr [SPPRA Rul 32(2)] 1. prsons who hav bn lgal profssionals; [SPPRA Rul 32(2-a)] 2. prsons who hav bn snior officrs in th srvic of th Govrnmnt with xprinc in th procurmnt ara, [SPPRA Rul 32(2-b)]and 3. Prsons from a list of spcialists with xprinc in th rlvant fild. [SPPRA Rul 32(2-c)] Th Spcialists shall b groupd into a numbr of Rviw Panls, ach with a nominatd Chairprson, both as approvd by th Chif Scrtary. ach panl shall hav a minimum of 3 mmbrs, on from ach of th groups listd in sub rul (2) abov and up to 2 co-optd mmbrs on a cas-by-cas basis dpnding upon th natur of th complaint. [SPPRA Rul 32(3)] Th spcialists shall b paid rmunration for thir srvics as dtrmind by th Authority from tim to tim with th approval of th Chif Scrtary. [SPPRA Rul 32(4)] 8

15 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Mattrs not subjct to Appal or Rviw Th following actions of th SNB shall not b subjct to th appal or rviw: [SPPRA Rul 33] Slction mthod adoptd by th SNB; [SPPRA Rul 33 (1)] cision by th SNB undr ITB sction [2.5.7]. [SPPRA Rul 33 (2)] 2.6 Opning and valuation of Bids Opning of Bids by SNB Th opning of bids shall b as pr th procdur st down in Sction daling with Bidding Procss Clarification of Bids No Biddr shall b allowd to altr or modify his bids aftr th xpiry of dadlin for th rcipt of th bids unlss, SNB may, at its discrtion, ask a Biddr for a clarification of bid for valuation purposs. Th rqust for clarification and th rspons shall b in writing and no chang in th prics or substanc of bid shall b sought, offrd or prmittd. [SPPRA Rul 43] Prliminary xamination SNB will xamin th bids to dtrmin whthr th bids ar complt and th documnts hav bn proprly signd and whthr th bids ar gnrally in ordr. SNB may waiv any minor infority; nonconformity or irrgularity in a bid that dos not constitut a matrial dviation, providd such waivr dos not prjudic or affct th rlativ ranking of any Biddr and furthr providd that such waivr will b at th complt and sol discrtion of SNB. If a bid is not substantially rsponsiv, it will b rjctd by SNB and may not subsquntly b mad rsponsiv by th Biddr by corrction of th nonconformity Supplir ligibility Critria All bids shall b valuatd in accordanc with th ligibility critria. [SPPRA Rul 42 (1)] SNB will valuat th bids, which hav bn dtrmind to b substantially rsponsiv and rjct any proposal which dos not confirm to th spcifid rquirmnts. 9

16 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics ligibility Critria SNB shall valuat th companis using th following ligibility critria. Sr. No. scriptions Total 1 at of Incorporation of th Company 2 Total No. of anchs in all provincs including AJK / GB 3 Banks on Clintl List for providing th sam srvic 4 Rnownd Companis othr than Banks on Clintl List for providing th sam srvic 5 Numbr of prsons on th payroll of th company Marks 10 Marks Obtaind Rmarks 10 yars and abov and abov 8 50 and abov Attachmnt of rlvant vidnc in ach cas is mandatory. In cas of noncomplianc no mark will b awardd Lttr of Incorporation / Company Rgistration Lttr / Lttr or claration of Commncmnt of Businss is rquird to b nclosd Giv complt addrss along with PTCL landlin numbrs 5 30 and abov and abov Lttrs to b attachd duly issud from ach concrnd 8 5 and abov Bank 5 2 and abov and abov Lttrs to b attachd duly issud from ach concrnd 8 40 and abov company 5 30 and abov Attach vidnc as Annxur A Annxur B Annxur C Annxur and abov Attach dtails of mploys Annxur and abov and abov 6 Gross Prmium in Billion and Attach Crtificat Annxur abov F Billion and abov 5 5,0 Billion and abov 7 Total Gross prmium during th Billion and Audit Rport to b attachd Annxur abov G last 3 last yars. 2, 2 & Billion and 2. abov Billion and abov 8 Total Assts as on 31/12/ Billion & Audit Rport to b attachd Annxur Abov H Billion & Abov Billion & Abov 9 IFS Rating 10 AA+ Crtificat to b attachd Annxur I 8 AA 5 AA- TOTAL MARKS 100 QUALIFI / ISQUALIFI Not 1. Attachmnt of rlvant vidnc in ach abov rquisit is mandatory. In cas of non-provision of vidnc in any of th rquisit, no marks will b awardd. 2. Acquiring of 70% marks of th total scor will mak th Biddr qualify for participating into ultimat phas of Financial Bid opning. 10

17 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 3. Attach Affidavit (spcimn attachd as Annxur H ) on stamp papr from th ownr of th company is mandatory. In cas of non-provision of vidnc in any of th rquisit, straight away disqualifid. 4. Thr can b subsqunt modification or amndmnt to this spcific tndr for which it is advisd to kp yourslf abrast with th notification bing hoistd on Sindh Bank Ltd & SPPRA wbsits rgularly. 5. In cas th lowst bid offrd in sam btwn two or mor biddrs th succssful biddr will b th on who has obtaind highst marks in ligibility critria. 6. In cas no company will qualify th 70% marks of ligibility critria, thn th passing critria will b 60% and so on. ISQUALIFICATION: 1. Th biddr will b considrd disqualifid during valuation procss if:- On black list of SPPRA and Sindh Bank Ltd. Issud with 2 warning lttrs by th Sindh Bank in th past to th biddr for unsatisfactory prformanc. Not GST rgistrd. In cas of ovr writing/cutting/us of Blanco is found in th Financial Bid documnt, th bid will b takn as null & void howvr if th figurs ar radabl and ar also duly signd only that bid will b accptd. Altrnat bid is offrd. Non- Attachmnt of Annxur A, B, and H. Subltting of this contract in any form to any othr agncy Participating in th tndr procss without submitting tndr fs 11

18 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics iscussions Prior to valuation If rquird, prior to valuation of th Tchnical Proposal and Financial Proposal, SNB may, within 6-7 days of rcipt of th Tchnical and Financial Proposals, call upon any of th Biddrs to discuss or to ask for clarification about anything containd in th Tchnical Proposal submittd by that Biddr. 2.7 Award of Contract Award Critria Subjct to ITB Sction [2.7.2], SNB will award th contract to th succssful Biddr, whos bid has bn dtrmind to b substantially rsponsiv and has bn dtrmind to b th lowst valuatd bid, providd furthr that th Biddr is dtrmind to b qualifid to prform th contract satisfactorily SNB s Right to Accpt Any Bid and to rjct any or all Bids SNB annul th bidding procss and rjct all Bids at any tim prior to Contract award, without thrby incurring any liability to th Biddr(s) Notification of Award Prior to th xpiration of th priod of bid validity, SNB will notify th succssful Biddr in writing by lttr or by facsimil, to b confirmd in writing by lttr, that his/hr bid has bn accptd. Th notification of award will constitut th formation of th Contract. Upon th succssful Biddr s furnishing of th Prformanc Scurity pursuant to Sction [2.7.5], SNB will promptly notify ach unsuccssful Biddr and will discharg his/hr bid scurity, pursuant to ITB Sction [2.4.7] Signing of Contract Within 5 ays from th dat of notification of th award th succssful biddr shall furnish to SNB particulars of th prson who would sign th contract on bhalf of th succssful biddr along with an original powr of attorny xcutd in favour of such prson. Th Contract shall b signd by th partis at Cntral Offic SNB, Karachi, within 10 ays of award of contract Prformanc Scurity Within 20 AYS of rcipt of th notification of award from SNB, th succssful Biddr shall furnish to SNB th Prformanc Scurity of 5 % of contract pric which shall b valid 12

19 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics for at last ninty (90) days byond th dat of compltion of contract to covr dfcts liability priod or maintnanc priod. Th Prformanc Scurity shall b in th form of a pay ordr or dmand draft or bank guarant issud by a rputabl commrcial bank, accptabl to SNB, locatd in Pakistan. [SPPRA Rul 39 (1)] Failur of th succssful Biddr to comply with th rquirmnt of ITB Sction [2.7.4] shall constitut sufficint grounds for th annulmnt of th award and forfitur of th bid scurity, in which vnt SNB may mak th award to th nxt lowst valuatd Biddr or call for nw bids. Th Prformanc Scurity forms at Annxur C shall not b compltd by th biddrs at th tim of thir bid submission. Only th succssful Biddr will b rquird to provid Prformanc Scurity. Th Prformanc Scurity will b dischargd by SNB and rturnd to th Supplir not latr than thirty (30) days following th dat of succssful compltion of th Supplir s prformanc obligation undr th Contract Gnral Conditions of Contract For dtaild Gnral Condition of Contract rfr to Sction [5.1] of this T Spcial Conditions of Contract For dtaild Spcial Condition of Contract rfr to Sction [5.2] of this T Intgrity Pact Th succssful biddr shall upon th award of th contract xcut an Intgrity Pact with SNB. [Spcimn is attachd in Annxur ] [SPPRA Rul 89] Non isclosur Agrmnt Th succssful biddr shall upon th award of th contract xcut a Non isclosur Agrmnt with SNB. [Spcimn is attachd in Annxur F ] 13

20 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 3 SCOP OF WORK / TCHNICAL SPCIFICATION Sindh Bank Limitd (SNB) rquirs lif insuranc of its mploys as pr th givn dtail: Insuranc Policy will b xtndd / rnwd upto 3 yars on mutual undrstanding on sam trms & conditions and rats. GRA / CATGORY-WIS STAFF STRNGTH: A B C TOTAL MPLOYS PRSINT & CO SVP VP / AVP/ SVP / HA OF IVISION / GROUP BUSINSS HA ASVP / VP / ACTING VP / AVP-I / AVP- OG-I / OG- / OG-I / MTO PROPOS CATGORY-WIS SUM ASSUR: scription A B C ath Bnfit. 3,000,000 2,250,000 1,500,000 1,200, ,000 Additional Accidntal ath Bnfit 3,000,000 2,250,000 1,500,000 1,200, ,000 Accidntal isability Bnfit (prmannt total and prmannt partial disability). 3,000,000 2,250,000 1,500,000 1,200, ,000 Tmporary Total isability Bnfit, Rs.300,000/= pr month Rs.100,000/= pr month Rs.50,000/= pr month Rs.25,000/= pr month Rs.10,000/= pr month Prmannt Natural isability Bnfit, 3,000,000 2,250,000 1,500,000 1,200, ,000 Trminal Illnss Bnfit, 3,000,000 2,250,000 1,500,000,1200, ,000 Trms & Conditions: mploys ar to b covrd upto 70 yars of ag. No ag limit rstriction on th mploys undr Plan A FCL Rs.3, 000,000/= and no undrwriting / mdical rquirmnt. NOT: tail of dviation, if any, on th bnfit limits, ligibility critria and covrag b nclosd. 14

21 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 4 FINANCIAL PROPOSAL PRIC SCHUL (Applicabl for th yar ) Nam of Biddr S.No scription Prmium Rat pr thousand Total Sum Assurd Amount of Prmium 01 ath Bnfit 02 Additional Accidntal ath Bnfit 03 Accidntal isability Bnfit including prmannt total and prmannt partial disability 04 Tmporary Total isability Bnfit 05 Prmannt Natural isability Bnfit 06 Trminal Illnss Bnfit Total *Grand Total *This Grand Total will b takn as th financial bid offrd by th company. Not 1. Th company will b considrd disqualifid from th vry outst, if not GST rgistrd. 2. Th cost must includ all taxs, stamp duty (as applicabl undr Stamp Act 1989) duly stampd on th contract agrmnt. 3. Calculation of bid scurity. 5% of th *(Grand Total Amount) will b submittd with th tndr documnt as bid scurity in shap of Pay Ordr /Bank Guarant in favour of Sindh Bank Ltd. 4. Th succssful biddr will b th on whos total sum of cost is th lowst. As it is packag tndr, so no partial lowst cost will b considrd for award of any work. 5. All conditions in th contract agrmnt attachd as Annxur G ar part of this tndr documnt. 6. Th tndr will b considrd canclld if th contract agrmnt/prformanc scurity aftr du signatur ar not submittd with Admin Offic aftr 5 days of compltion of bid valuation rport hoisting priod (7 days) on SPPRA wbsit. 15

22 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 7. Th tndr will stand canclld if any of th givn condition of th tndr in not mt in strictly as pr th rquisit of th tndr documnt. 8. In cas financial bids ar th sam, th succssful biddr will b th on who has acquird mor marks in th tchnical valuation. 9. Not. Thr can b subsqunt modification or amndmnt to this spcific tndr for which it is advisd to kp yourslf abrast with th notification bing hoistd on Sindh Bank Ltd. & SPPRA wbsit rgularly. Signatur of Biddr 16

23 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 5 Contract 5.1 Conditions of Contract finitions In this contract, th following trms shall b intrprtd as indicatd: Applicabl Law mans th Sindh Public Procurmnt Act 2009 and th Sindh Public Procurmnt Ruls Procuring Agncy or PA mans SNB Contractor. Contract mans th Contract signd by th Partis and all th attachd documnts listd in its Claus 1 that is Gnral Conditions (GC), and th Spcial Conditions (SC). Contract Pric mans th pric to b paid for th prformanc of th Srvics. ffctiv at mans th dat on which this Contract coms into forc. GC man ths Gnral Conditions of Contract. Govrnmnt mans th Govrnmnt of Sindh. Currncy mans Pak Rups. Mmbr mans any of th ntitis that mak up th joint vntur/consortium/association, and Mmbrs mans all ths ntitis. Party mans th PA or th Contractor, as th cas may b, and Partis mans both of thm. Prsonnl mans prsons hird by th Contractor or by any Sub- Contractors and assignd to th prformanc of th Srvics or any part throf. SC mans th Spcial Conditions of Contract by which th GC may b amndd or supplmntd. Srvics mans th srvics to b prformd by th Contractor pursuant to this Contract, as dscribd in th scop of srvics. In writing mans communicatd in writtn form with proof of rcipt Law Govrning Contract This Contract, its maning and intrprtation, and th rlation btwn th Partis shall b govrnd by th laws of th Islamic Rpublic of Pakistan. 17

24 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Notic - Any notic, rqust or consnt rquird or prmittd to b givn or mad pursuant to this Contract shall b in writing. Any such notic, rqust or consnt shall b dmd to hav bn givn or mad whn dlivrd in prson to an authorizd rprsntativ of th Party to whom th communication is addrssd, or whn snt to such Party at th addrss spcifid in th SC. - A Party may chang its addrss for notic hrundr by giving th othr Party notic in writing of such chang to th addrss spcifid in th SC Authorizd Rprsntativ Any action rquird or prmittd to b takn, and any documnt rquird or prmittd to b xcutd undr this Contract by th SNB or th Supplir may b takn or xcutd by th officials Taxs and utis Th Supplir, Sub-Supplirs, and thir Prsonnl shall pay such dirct or indirct taxs, dutis, fs, and othr impositions lvid undr th Applicabl Law as spcifid in th SC, th amount of which is dmd to hav bn includd in th Contract Pric ffctivnss of Contract This Contract shall com into ffct on th dat th Contract is signd by both Partis. Th dat th Contract coms into ffct is dfind as th ffctiv at xpiration of Contract Unlss trminatd arlir pursuant to Claus GC hrof, this Contract shall xpir at th nd of such tim priod aftr th ffctiv at as spcifid in th SC Modifications or Variations Any modification or variation of th trms and conditions of this Contract, including any modification or variation of th scop of th Srvics, may only b mad by writtn agrmnt btwn th Partis. Howvr, ach Party shall giv du considration to any proposals for modification or variation mad by th othr Party Forc Majur Th failur on th part of th partis to prform thir obligation undr th contract will not b considrd a dfault if such failur is th rsult of natural calamitis, disastrs and circumstancs byond th control of th partis. 18

25 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics No ach of Contract Th failur of a Party to fulfil any of its obligations undr th contract shall not b considrd to b a brach of, or dfault undr, this Contract insofar as such inability ariss from an vnt of Forc Majur, providd that th Party affctd by such an vnt (a) has takn all rasonabl prcautions, du car and rasonabl altrnativ masurs in ordr to carry out th trms and conditions of this Contract, and (b) has informd th othr Party as soon as possibl about th occurrnc of such an vnt xtnsion of Tim Any priod within which a Party shall, pursuant to this Contract, complt any action or task, shall b xtndd for a priod qual to th tim during which such Party was unabl to prform such action as a rsult of Forc Majur Trmination Trmination by SNB Th SNB may trminat this Contract in cas of th occurrnc of any of th vnts spcifid in paragraphs (a) through (f) of this Claus GC In such an occurrnc th SNB shall giv a not lss than thirty (30) days writtn notic of trmination to th Supplir, and sixty (60) days in th cas of th vnt rfrrd to in (). a. If th Supplir dos not rmdy th failur in th prformanc of thir obligations undr th Contract, within thirty (30) days aftr bing notifid or within any furthr priod as th SNB may hav subsquntly approvd in writing; b. If th Supplir bcoms insolvnt or bankrupt; c. If th Supplir, in th judgmnt of th SNB has ngagd incorrupt or fraudulnt practics in compting for or in xcuting th Contract; d. If, as th rsult of Forc Majur, th Supplir(s) ar unabl topr form a matrial portion of th Srvics for a priod of not lss than sixty (60) days; and. If th SNB, in its sol discrtion and for any rason whatsovr, dcids to trminat this Contract Trmination by th Supplir Th Supplirs may trminat this Contract, by not lss than thirty (30) days writtn notic to th SNB, such notic to b givn aftr th occurrnc of any of th vnts spcifid in paragraphs (a) through (c) of this Claus GC a. If th SNB fails to pay any mony du to th Supplir pursuant to this Contract without Supplirs fault. 19

26 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics b. If, as th rsult of Forc Majur, th Supplir is unabl to prform a matrial portion of th Srvics for a priod of not lss than sixty (60) days Paymnt upon Trmination Upon trmination of this Contract pursuant to Clauss GC or GC , th SNB shall mak th following paymnts to th Supplir: a. Paymnt for Srvics satisfactorily prformd prior to th ffctiv dat of trmination; b. xcpt in th cas of trmination pursuant to paragraphs (a) through (c), and (f) of Claus GC , rimbursmnt of any rasonabl cost incidnt to th prompt and ordrly trmination of th Contract, including th cost of th rturn travl of th Prsonnl and thir ligibl dpndnts Good Faith Th Partis undrtak to act in good faith with rspct to ach othr s rights undr this Contract and to adopt all rasonabl masurs to nsur th ralization of th objctivs of this Contract Sttlmnt of isputs Amicabl Sttlmnt Th Partis agr that th avoidanc or arly rsolution of disputs is crucial for a smooth xcution of th Contract and th succss of th assignmnt. Th Partis shall us thir bst fforts to sttl amicably all disputs arising out of or in connction with this Contract or its intrprtation Arbitration If th SNB and th Supplir fail to amicably sttl any disput arising out of or in connction with th Contract within tn (10) days of commncmnt of such infor ngotiations, th disput shall b rfrrd to arbitration of two arbitrators, on to b appointd by ach party, in accordanc with th Arbitration Act, Vnu of arbitration shall b Karachi, Pakistan and procdings of arbitration shall b conductd in nglish ata Ownrship Th data in th implmntd Computr Systm shall at all tims rmain th xclusiv proprty of SNB. Th Supplir is hrby rquird to transfr all ncssary passwords, accss cods or othr information rquird for full accss to th data to SNB upon succssful commissioning of th Computr Systm and should not b availabl to any othr party including th mploys of th supplir. 20

27 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics Obligations of th Supplir Th Supplir shall prform th Srvics and carry out thir obligations hrundr with all du dilignc, fficincy and conomy, in accordanc with gnrally accptd profssional standards and practics, and shall obsrv sound managmnt practics, and mploy appropriat tchnology and saf and ffctiv quipmnt, machinry, matrials and mthods. Th Supplir shall always act, in rspct of any mattr rlating to this Contract or to th Srvics, as faithful advisrs to th SNB, and shall at all tims support and safguard th SNB lgitimat intrsts in any dalings with Sub-Supplirs or third Partis Conflict of Intrst Th Supplir shall hold th SNB s intrsts paramount, without any considration for futur work, and strictly avoid conflict with othr assignmnts or thir own corporat intrsts Confidntiality xcpt with th prior writtn consnt of th SNB, th Supplir and th Prsonnl shall not at any tim communicat to any prson or ntity any confidntial information acquird in th cours of th Srvics, nor shall th Supplir and th Prsonnl mak public th rcommndations formulatd in th cours of, or as a rsult of, th Srvics. 21

28 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 5.2 Spcial Conditions of Contract Th following Spcial Conditions of Contract shall supplmnt th Gnral Conditions of Contract. Whnvr thr is a conflict, th provisions hrin shall prvail ovr thos in th Gnral Conditions of Contract Prformanc Scurity Th amount of prformanc scurity shall b fiv (5 %) prcnt of th Contract Pric Paymnt Th paymnt to b mad to th Supplir undr this Contract shall b mad in accordanc with th paymnt schdul as shall b agrd btwn SNB and th Supplir. a. All advanc paymnt will b mad against valid bank guarant(s). b. SNB will ffct paymnt within 30 days on satisfactory dlivry of srvics, upon submitting th invoic undr abov conditions Pric Schdul of prics shall b as fixd in th Contract Annxurs BI FORM BI SCURITY FORM PRFORMANC SCURITY FORM INTGRITY PACT SCHUL OF OPNING & SUBMISSION OF BI FORM OF CONTRACT Non-isclosur Agrmnt LIST OF MPLOYS AFFIAVIT/UNRTAKING (Annxur A ) (Annxur B ) (Annxur C ) (Annxur ) (Annxur ) (Annxur F ) (Annxur G ) (Annxur H ) 22

29 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 6. BI FORM Annxur A FORM OF BI Tndr Rfrnc No. atd:, 2015 To, Had of Human Rsourcs ivision SINH BANK LIMIT HA OFFIC 3 rd Floor, Fdration Hous, Abdullah Shah Ghazi Road, Clifton, Karachi Gntlman, Having xamind th bidding documnts, th rcipt of which is hrby duly acknowldgd, w, th undrsignd, offr, in conformity with th said bidding documnts for th sum of currncy [total bid amount in words and figurs]. W undrstand that all th Annxurs attachd hrto form part of this Bid. W undrtak, if our Bid is accptd, [to provid goods/work/rlatd srvic], that will b in accordanc with th trms dfind in th proposal and /or contract. Our firm, including any subcontractors or supplirs for any part of th Contract, hav nationalitis from th following ligibl countris. If our Bid is accptd, w will obtain th Bank Guarant/Pay ordr in a sum quivalnt to fiv prcnt (5%) of th Contract Pric for th du prformanc of th Contract, in th form prscribd by SNB. W agr to abid by this Bid for a priod of ninty (90) days from th dat fixd for Bid Opning and it shall rmain binding upon us and may b accptd at any tim bfor th xpiration of that priod. Until a for Contract is prpard and xcutd, this Bid, togthr with your writtn accptanc throf and your notification of award, shall constitut a binding Contract btwn us. Commissions or gratuitis, if any, paid or to b paid by us to agnts rlating to this Bid and to contract xcution if w ar awardd th contract, ar listd blow: 23

30 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics W undrstand that you ar not bound to accpt th lowst or any Bid you may rciv. Nam & Addrss of Biddr in Block Capital atd this day of 2015 [Signatur] [In th Capacity of] uly authorizd to sign Bid for and on bhalf of Witnss; Signatur; Nam: Addrss: Occupation:

31 Sindh Bank Limitd Tndr ocumnt Provision of Group Lif Insuranc Srvics 7. BI SCURITY FORM Annxur B Whras [nam of th Biddr] has submittd its bid datd [dat of submission of bid] for th Provision of Group Lif Insuranc Srvics. KNOW ALL POPL by ths prsnts that W [nam of bank] of [nam of country], having our rgistrd offic at [addrss of bank] (hrinaftr calld th Bank ), ar bound unto Sindh Bank (hrinaftr calld th Purchasr ) in th sum of Rups for which paymnt wll and truly to b mad to th said Purchasr, th Bank binds itslf, its succssors, and assigns by ths prsnts. Sald with th Common Sal of th said Bank this day of TH CONITIONS of this obligation ar: 1. If th Biddr withdraw its Bid during th priod of bid validity spcifid by th Biddr on th Bid Form; or 2. If th Biddr, having bn notifid of th accptanc of its Bid by th Sindh Bank during th priod of bid validity: a. fails or rfuss to xcut th Contract, if rquird; or b. fails or rfuss to furnish th prformanc scurity, in accordanc with th Instructions to Biddrs; W undrtak to pay to th Purchasr up to th abov amount upon rcipt of its writtn dmand, without th Purchasr having to substantiat its dmand, providd that in its dmand th Purchasr will not that th amount claimd by it is du to it, owing to th occurrnc of on or both of th two conditions, spcifying th occurrd condition or conditions. This guarant will rmain in forc up to and including twnty ight (28) days aftr th priod of bid validity and any dmand in rspct throf shall rach th Bank not latr than th abov dat. [Signatur and Sal of th Bank] 25

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