Response to Queries : RFP for End to End solution for Enterprise Data Warehouse Solution Encompassing Big Data Analytics in Punjab National Bank

Response to Queries : RFP for End to End solution for Enterprise Data Warehouse Solution Encompassing Big Data Analytics in Punjab National Bank Page No RFP Document Reference Queries Remark 1 PRE QUALIFICATION FOR BIDDERS -Annexure- We are set up as a Limited Liability Partnership firm(llp), but a CMMI Level 5,global IT Please Refer Corrigendum No 19 III,Point 1 Bidder should be a registered company in india as services organization for over 18 years, with 4500+ people globally and an annual turnover in excess of INR 350 Cr. We are governed by Ministry of Corporate Affairs per the Companies Act or have its registered office (MCA) under LLP act 2008. We have experince of execting various projects in within the jurisdiction of India EDW,BIG DATA & Analytics space. Please let us know if we can participate in the RFP, given our credibility 2 RFP Details -Page 4 Last date and time for online Bid submission -03/12/2015 1701 Hrs to 04/12/2015 till 1400 Hrs Considering the complex nature of this EDW requirement, we request the Bank to kindly allow at least 2 weeks extension to the last date of submission of the RFP response. Last date and time for online Bid submission has been extended upto -01/01/2016 till 1701 Hrs to 02/01/2016 till 1400 Hrs 3 Scope of work-page7 What kind of data quality issues/challenges bank is facing currently? At present we are not using any Data Quality tool at our end. 4 Scope of work-page7 Are there any enterprise wide architectural guidelines from the bank's IT team that the No solution needs to adhere to? 5 Scope of work-page7 Please explain what type of data cleansing activities are currently performed by the bank? What are the expectations on data cleansing process proposed as part of EDW? At present we are not using any Data Quality tool at our end. Section 3, Page 7 Whats the Database version used for existing EDW? Is it IBM DB2 10.5? Yes Section 3, Page 7 Whats the current size of existing EDW? # of Tables, Data Volume, Volume of growth of Data Per Year? 1) IBM PDOA with 3.5 Node having approx DB size of 80 TB (usable). ~6500 Tables, ~2 TB/yr at present rate of growth Section 3, Page 7 Please share details of the current hardware configuration and deployment architecture As per annexure XIII Section 4, Page 8 Can we have few details on the Source Systems used for EDW? # of Tables, Volume of Data, AS we Functionality have 16-18 sources, answer will be very descriptive in nature. 5 Section 4, Page 8 What are the issues with current EDW? At present we are not able to handle Big data or do any predictive analytics etc. 6 Section 4, Page 8 Is Bank fine with exisiting EDW and but wants to enhance its functionality, Performance Requirements are as per RFP Improvement? What enrichments Bank wants to do with EDW? 7 Section 4, Page 8 Is Bank fine with exisiting EDW but wants only Analytics component to be added to the existing EDW? Banks wants both Big Data and Analytics as mentioned in the RFP Section 4, Page 8 Can we have a breakup of list of MIS/BI Reports and Analytics use-cases required by Please Refer Corrigendum No 8 the Bank.i.e. Approx? Section 4, Page 9 Which is the data cleansing tool being used currently We are having TCS DQM but not using it as of now. 1 Detailed Scope of Work, Page 8 Keeping in mind the quantity and variety of data, it is considered important to work with prebuilt logical and physical data models that can support analytical processing within the warehouse and extend seamlessly to unstructured / big data. Such an architecture does leverage existing data sources and technology. Assume the bank would like to take this approach only 2 Detailed Scope of Work, Data Sources, Page 8 While the bank has listed existing source systems, what is expected from the proposed solution? Collection of data from the existing warehouse or from the various source systems? Detailed Scope of Work, ETL system, Page 8 What are the licensing terms of the existing ETL solution? Can the tool be used enterprise wide with no restriction? Assume the bank appreciates that a new ETL solution will add to the TCO and the same needs to be considered for all bidders for fair evaluation yes Source systems may increase as per the bank's requirement PVU based licensing. Tool can be used enterprise wide. Page 1 of 46

Detailed Scope of Work, Big Data Handling, Page 9 with reference to the requirement 'Solution should provide ability for analytics on continuously ingested real-time data', we assume that the bank needs capability to seamlessly run analytics on structured and unstructured data without physical movement of data. For example customer segmentation across data stored in structured databases and big data repository yes Detailed Scope of Work, Analytics /BI Tool, Page 10 6 Detailed Scope of Work, Analytics /BI Tool, Page 10 7 Detailed Scope of Work, Analytics /BI Tool, Page 10 Statistical analysis of the nature listed in this section requires specialized analytical applications for computing aspects such as Profitability, Life time value, Fraud detection, Data Mining etc. These can not be supported by a standard BI / reporting platform. Please confirm that the bank would like to deploy analytical applications to achieve the requirements listed in this section With reference to the requirement on Profitability and LTV, please confirm that the bank will want to compute relationship and customer level Profitability, RAROC and Life Time Value, inclusive of aspects such as transfer charge / credit and overhead cost / capital allocation. This should be scalable to branch, product, relationship manager etc With reference to the requirement on Fraud Analytics mentioned in this section, kindly confirm that the bank needs the DW to inherently support availability of a behavior detection platfrom along with a library of most common / globally implemented and acknowledged fraud scenarios. 8 Detailed Scope of Work, Page 8 Today analytical modeling capabilities come embedded within the datawarehouse requiring no movement and duplication of data. We assume the bank expects to deploy the end to end datawarehouse which ensures that there no downstream analytical systems that replicate or duplicate data. Analytics/Reporting Tool, Page 10 Banks deploy a warehouse to solve critical and complex problems such as pricing for customers, marginal profitability of each relationship, liquidity risk reporting etc. Is it right to assume that the bank would like to get these delivered from the datawarehouse without resorting to multiple downstream applications that do not connect or reconcile with each other? from an IT perspective also, this will reduce the ETL overhead and ongoing maintenance cost 10 Analytics/Reporting Tool, Page 11 Request the bank to list down business requirements in detail for bidders to qualify the analytical capabilities required within the datawarehouse aside the eleven points mentioned in the RFP. This will help fine tuning of the solution to be proposed to the bank in line with existing technology. 11 Analytics/Reporting Tool, Page 11 Which business requirements / reports are expected to be real time? Will help if the bank clarifies or categorizes business requirements basis frequency of reporting. For example liquidity risk reporting may be daily or even intra-day. However fraud related reporting may be real time / near real time. Most of operational reporting and risk and performance related reporting may be batch. Please confirm our understanding is correct and elaborate on the busines requirement Yes yes yes yes yes Please Refer Corrigendum No 8 Please Refer Corrigendum No 8 12 Analytics/Reporting Tool, Page 11 How does the bank propose to handle regulations like Risk Based Supervision? Is this is a part of the datawarehouse implementation scope? 13 Analytics/Reporting Tool, Page 11 Are regulatory requirements such as liquidity risk management and enterprise stress testing proposed to be handled from the datawarehouse? 14 General Would the Bank need the vendor to Quote a Enterprise Modeling Framework that is Proprietory or Open standards and being deployed by other Public Sector Banks in India No No Yes Page 2 of 46

15 iv. The supplier shall grant to the bank a fully paidup, irrevocable, non-exclusive license throughout the territory of India or abroad to access, replicate and use software [and other software items] provided by the supplier, including all inventions, Bank has requested for Licenses to be Perpetual, would the Bank want Licenses to be day-one perpetual: the licences should be perpetual from the first day with no dependence on payment of any Annual support/technical license fee And would Bank want the licences to continue to be an integral asset of the Bank in perpetuity even in the event of Govt. of india and its bodies decreasing their stake to less than majority yes. ATS/Technical license fees may be paid for taking support from SI/OEMs. designs and marks embodied therein in perpetuity. shareholding structure, the licences to continue to remain perpetual? Page 17 Page 7, 3. scope of work : a)"the Bank is looking for leveraging the existing system with an end to end solution Page 7, 3. scope of work : e) Size of database may vary after doing the assessment of data coming from various existing sources or from sources as per future needs. System built must be capable of processing incremental 100 GB of data and overall DB size of more than 200 TB Request bank to provide the list and quantity of s/w licenses available as part of current EDW and the configuration details of hardware. It is assumed that the estimated size of 200 TB given by bank includes both unstructred and structured data. Please confirm on this and elaborate on what is the estimated split of structured data and unstructured data? This information is critical as it will help in deriving the appropriate sizing of the solution and will also effect BoM. Also please clarify on the frequency of 100gb incremental data that is expected to be fed into EDW. is this daily weekly or monthly? Question not clear as bank is having multiple softwares installed as part of EDW. Yes. Current size of structured data is ~25TB and accordingly vendor has to manage between structured & un-structured data. 18 page 8, 4. 4. DETAILED SCOPE OF WORK-Bank has existing EDW setup and is looking for an enterprise solution wherein DR site requirement of bank can be fulfilled for which vendor should propose its technical architecture in such a way to leverage maximum out of existing infrastructure available with bank.. It is suggested that bank should leverage the capabilities to minimize the RPO and also utilize the DR site for reporting while the primary data centre DW is operational. This will deliver ROI to bank on DR site investemnt. However DR SLAs, RPO / RTO and usability of DR investement be specified and detailed in RFP in order for technical solution to consider these and provide these capabilities in the solution. Suggestive in nature 19 General page 8, 4. DETAILED SCOPE OF WORK page 9, 5. Big Data handling page 9, 3. Data Extraction: While the Big Data Techonolgy for unstructured data has been asked in the solution, it is suggested that the latest revolutionary advancement in computing (in-memory) for structured data which are very relevant for bank's requriements should also be included. in-memory computing that has transformed the relational database industry by accelerating queries and reports by order of magnitude. In visualization of data in the Big Data infrastructure, how many users are expected to be logged in concurrently at peak rate Kindly, provide an indicative list of sources of data for real time extraction and analytics. The current sizing of the source data systemsform where the real time data integration is desired is also requested. Suggestive in nature 500-600 Real time data from CBS (Finacle). page 9, 3. Data Extraction: If possible please provide some estimated number of transactions per second which will need to be sourced in real time on which analytics will be required No of transactions will depend upon the transactions happening at CBS (Finacle) or websites (in case of unstructred) which can not be estimated. 23 page 8, g security g) Security and DR setup capabilities along with DB archival system. for data security, Please advice if the bank wants the proposed solution to meet complaince and security guidelines such as PCI complaince, RBI guidelines etc. Yes 24 Page 9, 4. Data Cleansing-any more sophisticated tool may be proposed by vendor clearly explaining the advantages over the existing one As part of sophisticated Data Quality functions, what are the desired functionalities such as Profiling, Audit, De-duplication, Real-time, batch processing, Address verification etc. Vendor has to propose various functionalities about proposed Data Quality tools 25 Page 9, 3. Data Extraction-Bank would like to have real or near real time integration of data in order to have real time analysis As the bank has source & target systems at different sites (Delhi & Mumbai), for real time data integration is it required to have compression and encryption (for performance & security) of data to be transferred over WAN link. yes Page 3 of 46

Page 26 Page 26; Annexure III - Eligbility Criteria point No 6 : i. PO orders along with satisfactory performance certificates from the clients mentioning: Please Refer Corrigendum No 13 Scope of the Project Name of the tool(s) used Name of the Customer Implementation Duration Security and scalability Coverage of entire Organization i. PO orders / Successful client case studies as refereneces including the details as defined under orders along with satisfactory performance certificates from the clients mentioning: Reason :PO is regarded as confidential document and is not subject to sharing as it's exclusive between two Enterprises. Secondly - the Global clients don't share credential letters. Hence Reqeust Bank to also consider for Successful Case studies with details of Enterprises, Scope of Work, and Implementation period, etc. The Case Studies for clients are Globally accepted practise and teh Clients are are reference clients for Microsoft for such solution Page 26 Page 26 : Bidder Should have supplied, installed Bidder Should have supplied, installed and implemented the Big data & analytical and implemented the proposed Big data & solution: Reason :The Bank is already taking an undertaking from the respective analytical solution: solution OEM's for successful imeplemntation of the solution if in case the front ending a) In any scheduled commercial bank / financial Bidder fails to perform the same. Refer point 2 of the Eligibility. That brings the institution / Public Ltd. Company in India or all over assurance fromt the standpoint world during last one year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise Scope of Work: Page 7 :Size of database may Bidder seeks below clarifications: vary after doing the assessment of data coming 1. Current Incremental data size? from various existing sources or from sources as 2. Current size of the database? per future needs. System built must be capable of 3. Total number of tables available in the DB as of now? processing incremental 100 GB of data and overall 4. Expected YoY growth for the database? DB size of more than 200 TB with high level of 5. Is the current data model is an in-house developed or proprietary/industry data scalability and response time model from any vendor? 5. What the current data loading time? 6. What kind of performance issues have been observed in the existing solution with respect to data loading and data access 7. Are there any data consistency or data accuracy issues reported by business users for the existing solution? If yes, can you give some example. Please Refer Corrigendum No 14 1. 100 GB 2. ~25TB 3. ~6500 4. ~2 TB at present rate of growth 5. IBM data model 5. total of 4 hours. 6. To reduce the loading time. 7. No. 2 Scope of Work : Page 7 :Security and DR setup capabilities along with DB archival system. Detailed Scope of Work : Page 9: Presently, bank is having IBM Datastage tool for its ETL functionality. Vendor/Bidder may propose to continue with the existing ETL system or propose a new ETL system clearly mentioning the advantages over the existing in conjunction with the overall architecture proposed by them 1. Our understanding is that, Bank is looking for an High Availability (HA) for all the components of the proposed solution and a replica settings at DR for all components with data replication enabled so that DR site can be made active in the event of any DC issues. Please correct our understanding. 2. Does the bidder has a choice of providing data archiving solution to archive data to Hadoop HDFS rather than traditional archival approach like tapes or database vendor based solutions? What is the total number of ETL Jobs currently running in the production? If possible, please provide the complexity distribution 1. Yes 2. Yes >1500 4 Detailed Scope of Work : Page 9: Big Data handling: Bank desires to have unstructured data also to be included in its Data Warehouse implementation. For Big Data, is there any specific use cases or scope of work which Bank is looking for from the new EDW perspective? Or is it just a technology enabler for now and Bank would engage the bidder with a detail scope at a later stage - with different scope of work? How would the Bank would like Bidder to scope this work? Please Refer Corrigendum No 8 Page 4 of 46

5 Detailed Scope of Work: Page 9 : Data cleansing is a vital part of EDW and bank would like to Bidder would like to get the current Data Cleansing or Data Quality tool used by the Bank We are currently having TCS DQM tool available with us but not using it yet. implement data cleansing using existing tools available or any more sophisticated tool may be proposed by vendor clearly explaining the advantages over the existing one and should be utilized in the overall solution in consultation with bank. Detailed Scope of Work : Page 10 :Solution should Is bank looking for a Change Data Capture (CDC) tool here? Ha Bank already Yes. No be able to ingest data in real time and it should be explained whether application can write directly data files into file system without staging data for ingestion via a load process. purchased or using any CDC tool in the current environment? bank has not purchased any CDC yet Detailed Scope of Work : Page 10 :Bank already have SAP BO implemented and would like to leverage upon the existing implementation and vendor should provide necessary integration with existing reporting BI solution with the proposed architectural change in EDW. Can you please provide below: Total number of reports developed using SAP BO Total Number of Dashboards developed using SAP BO 1. ~700 reports 2. 3-5 Dashboards Detailed Scope of Work : Page 10 : Similarly bank would like to have latest analytics tool available in market in order to various statistical analytics as per the bank's requirements. Vendor may propose any latest tools available in market or use existing SAP BO available with bank for this purpose Could you please provide clarifications on the below: 1. Are there any cubes deployed in the current solution to serve OLAP needs? 2. Are there any data mining technology been used in the current solution to do any data mining activities? 3. Are there any analysis based on geospatial data being carried out in the existing solution? 1. No 2. No 3. No Introduction : Page 6 : Existing setup uses SAS What are SAS components used currently and what are their version? for ALM, we are using SAS 9.3 ALM components. Also again in Integration section (in Scope of Work) it is mentioned all ALM component should work. Scope of Work :Page 7 : Integration - Similarly all other existing end solutions like ALM, Risk Management, Customer Relationship Management (CRM), etc. should work seamlessly. What CRM system is used curently, Version, platform/vendor details? CRM 7.0 from SAP. Vendor: TCS Scope of Work : Page 7 :Scalibility : System built must be capable of processing incremental 100 GB of data and overall DB size of more than 200 TB with high level of scalability and response time. 12 Detailed Scope of Work : Page 8: Bank has existing EDW setup and is looking for an enterprise solution wherein DR site requirement of bank can be fulfilled for which vendor should propose its technical architecture in such a way to leverage maximum out of existing infrastructure available with bank. EDW Database size is not given, but as per RFP it is expected to be around 200 TB? Database DR setup will be used as active-active or active-passive, i.e. will DB be used for workload balance as well? Yes active-passive Page 5 of 46

13 Detailed Scope of Work : Page 10 :SAP BO servers available with bank are having DC DR setup and proposed solution should be able to incorporate this setup so that DR BO Server functions smoothly in case of DC getting down to one reason or other. Does bank currently use any existing load balancer h/w OR s/w component to switchover DC-DR in SAP BO system, to point to exiting EDW? No 14 Scope of Work : Page 7:System should be capable of handling structured and unstructured data which can be visualized through BO tools available with bank using sophisticated reporting and charting tools. 15 Scope of Work : Page 7 :System should be capable of handling structured and unstructured data which can be visualized through BO tools available with bank using sophisticated reporting and charting tools. 16 Page 27 : Annexure-III : Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last one year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise ii. PO orders along with satisfactory performance certificates from the clients mentioning: - Scope of the Project - Name of the tool(s) used - Name of the Customer - Role of the Bidder - Implementation Duration - Clearly mentioned the size. 17 Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last one year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise What analysis will be planned to do on Unstructured data, Other than sentiment analysis? Will Bank plan to include Video/Audio/Images as well in Unstructured data in future? HPE is currently implementing a Big Data/EDW project in one of the biggest private sector banks in India. The project will be completed in another 6 months. Can we submit a certifcate along with the PO, mentioning that the project is getting implemented. The certificate will have all the other details asked such as - Scope of the Project - Name of the tool(s) used - Name of the Customer - Role of the Bidder - Implementation Duration - Clearly mentioned the size. We request the Bank to modify the clause as below: Bidder Should have supplied, installed and implemented Big data & analytical solution:( pls remove proposed) a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last one three year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise. Further, we request Bank to allow self-declaration for this in place of PO and client certificate. Please Refer Corrigendum No 1 Yes Please Refer Corrigendum No 14 Please Refer Corrigendum No 14 Page 6 of 46

18 Annexure III, point 5 :The MAF for the entire proposed solution, OEM must specifically mention the names of the SIs who have been authorized by the OEM to quote his solution. In case any MAF from the OEM is found without this information the entire solution will be rejected. If an OEM is submitting the bid with 3 SIs then the OEM has to provide name of all 3 SIs in the declaration. Is our understanding correct? 19 Annexure III, Point10 The solution provider company should have at least CMMI (Capability Maturity Model Integration) level 3 certification. However, In case the solution provider is not at CMMI level 3 then the solution to be provided should be accompanied by a certificate from a different CMMI level 5 company, who should confirm, based on their evaluation/audit, that the solution provided is in conformity with CMMI level 3 standards. Please read this as: The solution provider company/ bidder/ bidder's parent or affiliates should have at least CMMI (Capability Maturity Model Integration) level 3 certification or ISO 9001. However, In case the solution provider is not at CMMI level 3 then the solution to be provided should be accompanied by a certificate from a different CMMI level 5 company, who should confirm, based on their evaluation/audit, that the solution provided is in conformity with CMMI level 3 standards. Remark :CMM and ISO are both quality process certifications. Bank can get the same quality assurance with either of those certifications. 20 13. TERMS AND CONDITIONS OF THE BIDDING Bidder may please be allowed to propose some alternate/additional terms as part of its FIRMS : Page 12 : The bidding firms are not bid which could be agreed before the financial bid opening. If agreement not reached, allowed to impose their own terms and conditions Bank may reject the Bidder to the bid and if submitted will not be considered as forming part of their bids. Bidder has to strictly comply with the terms and conditions mentioned in the RFP 21 The Vendor shall not assign to anyone, in whole or in part, its obligations to perform under the contract, except with the Purchaser s prior written consent. Since Bidder assumes responsibility of the performance of the entire contract, Bidder may be allowed to subcontract with prior intimation to the Bank 22 34 :Page 17: The supplier shall, at their own expense, defend and indemnify the Bank against all third party claims or infringement of intellectual Property Right, including Patent, trademark, copyright, trade secret or industrial design rights We submit that bidder will defend/settle third party claims alleging that bidder branded products and services infringe their IPR. Upon receipt of a third party claim, Bank will promptly inform the bidder of the claim, provide the bidder the sole right to defend or settle the claim and will provide reasonable co-operation to the bidder in its defense of the claim. arising from use of the products or any part thereof IPR infringement claims with respect to third party branded product will be directly taken in India or abroad up by third party OEM manufacturers/licensors with the Bank. 23 34:Page 17:The supplier shall grant to the bank a fully paid-up, irrevocable, non-exclusive license throughout the territory of India or abroad to access, replicate and use software [and other software items] provided by the supplier, including all inventions, designs and marks embodied therein in perpetuity. Software will be provided as per software licensor license terms (EULA/End User License Agreement) Please Refer Corrigendum No 18 Please Refer Corrigendum No 18 Page 7 of 46

24 Termination of Contract: The quality of services given by the bidder will be reviewed every 3 months and if the services are not found satisfactory, the bank reserves the right to terminate the contract by giving 30 days notice to the bidder. The decision of the bank regarding quality of services shall be final and binding on the bidder. The Bank shall have the right to terminate/cancel the contract with the selected bidder at any time during the contract period, by giving a written notice of 30 days, for any valid reason, including but not limited to the following : a) Excessive delay in execution of order placed by the Bank b) Discrepancies / deviations in the agreed processes and/or products c) Failure of vendor to maintain the SLAs such as Uptime & Availability, Reporting of Incidents/Alerts and Resolution of Problems related to monitoring solution as specified in the RFP for 2 consecutive quarters. d) Failure of vendor to complete implementation of solution within the time as specified in the RFP document 18 P a g e e) Violation of terms & conditions stipulated in this RFP Please confirm that Bank will exercise it's termination right only when Bidder has failed to cure the default of material obligation within a mutually agreed cured period Page 8 of 46

25 Termination of Contract: The quality of services given by the bidder will be reviewed every 3 months and if the services are not found satisfactory, the bank reserves the right to terminate the contract by giving 30 days notice to the bidder. The decision of the bank regarding quality of services shall be final and binding on the bidder. The Bank shall have the right to terminate/cancel the contract with the selected bidder at any time during the contract period, by giving a written notice of 30 days, for any valid reason, including but not limited to the following : a) Excessive delay in execution of order placed by the Bank b) Discrepancies / deviations in the agreed processes and/or products c) Failure of vendor to maintain the SLAs such as Uptime & Availability, Reporting of Incidents/Alerts and Resolution of Problems related to monitoring solution as specified in the RFP for 2 consecutive quarters. d) Failure of vendor to complete implementation of solution within the time as specified in the RFP document 18 P a g e e) Violation of terms & conditions stipulated in this RFP Termination right be made mutual to allow Bidder to terminate contract if Bank fails to cure breach of its obligation 26 38 : Page 18 :Vendor shall not be liable for any indirect, consequential, incidental or special damages under the agreement/ purchase order. Please exclude either party's liability for loss of profits, business, anticipated savings 27 3, Annexure I: Page 19: The system acceptance is subject to an Acceptance test. 28 4, Annexure I : Page 19: The successful bidder has to submit the Performance Bank Guarantee of 20% of the order cost to selected bidder as per the Performa to be provided by the Bank immediately upon placement of purchase order by the Bank, within 21 days of placement of purchase order, Acceptance of Solution/Deliverables will be carried out as per the acceptance test plan and acceptance criteria proposed by HP. Products will be accepted upon delivery. The acceptance criteria or procedures for Deliverables will only apply to the services provided. Bidder will submit the PBG only after the execution of definitive contract with the Bank under section 6, Annexure I of the RFP 29 4, Annexure I :Page 19 :Performance Bank Guarantee may be invoked in case of violation of any of the terms and conditions of this document and also in case of deficiency / delay in implementation/services provided by the successful bidder. 30 4, Annexure I :Page 20 :The Bank reserves the right to stipulate, at the time of finalization of the contract, any document(s) to be enclosed as part of the final contract. Please confirm that Bank will invoke PBG only when Bidder fails to cure a breach of material obligation within 30 days or such period mutually agreed cure period Please confirm that such documents will be mutually discussed and agreed before forming part of the contract Page 9 of 46

31 4, Annexure I :Page 22 :Warranty Bidder shall pass through OEM standard warranty with support for the remainder of the Please Refer Corrigendum No 9 warranty period 32 4, Annexure I :Page 23 :Successful Bidder upon Please share the the policy for review. Bank will share the same with successful bidder only selection will provide an undertaking to comply with the provisions of the Information Security Policy of the Bank. 33 4, Annexure I :Page 23 :Indemnity Bidder seeks to consolidate indemnity and restrict it to third party claims for IPR infringement only. 34 Annexure V :Page 30 :We hereby undertake and agree to abide by all the terms and conditions including all annexure, corrigendum(s) etc. stipulated by the Bank in this RFP. (Any deviation may result in disqualification of bids). Deviation be allowed which could be discussed at the evaluation state and mutually agreed 35 Annexure XII : Page 39 : If the BIDDER or any employee of the BUDDER or an person acting on behalf of the BIDDER, either directly or indirectly is a relative of any of the officers of the BUYER or their family members, agents, brokers alternatively, if any relative of an officer of the BUYER has financial interest / stake in the BIDDER'S firm, the same shall be disclosed by the BIDDER at the time of filing of tender. Please clarify this so that an organization of our size can comply with this clause. This undertaking is too broad and can't be complied with. Please limit this clause to "directors" of the bidder only. 36 Annexure XII :41: The BIDDER undertakes that It has not supplied/is not supplying similar Product / systems or subsystems at a price lower than that offered in the present bid in respect of any other Ministry/Department of the Government of India, or PSU and if it is found at any stage that similar product / systems or sub systems was supplied by the BIDDER to any other Ministry/Department of the Government of India or a PSU at a lower price, then that very price, with due allowance for elapsed time, will be applicable to the present case and the difference in the cost would be refunded by the BIDDER to the BUYER, if the contract has already been concluded This is a competetive bid and not a rate contract. Please have this clause deleted or allow Bidder to make modifications to the clause so that it could be complied with. Not practicle to compare all "similat product/systems or subsystems" supplied or being supplied by the bidder. Page 10 of 46

37 Earnest Money Deposit Amount:Rs 100.00 Lacs Bidder request the Earnest money to be made as 50 lakhs instead of 100 lakhs Please Refer Corrigendum No 21 & 22 (One Hundred Lakhs only) should be submitted online before last date of bid submission or in the form of Bank Guarantee (BG) in favor of Punjab National Bank, IT Division payable at New Delhi. BG should be valid up to six months from the date of bid submission. IFSC Code : PUNB0015300 Bank & Branch : Punjab National Bank, Sansad Marg, New Delhi -110 001 Account No. 0153002100567220 (16 digits) (Proof of printout of the transaction to be submitted along with the bid documents). Imp rest account HO IT Division In case of unsuccessful bidder, EMD will be returned after completion of the bid process (without interest). 38 Liquidated Damages-If supplier fails to deliver any or all goods or perform services within stipulated time schedule, the Bank shall, without prejudice to its other remedies under the rate contract, deduct from the ordered price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to the maximum of 10%. Bidder request to Cap the maximum exposure to 5%. Remark: the 10% cap is very high Please Refer Corrigendum No 17 and affects revenue recognition 39 ANNEXURE - I :4. PERFORMANCE BANK Bidder request to the performance bank guarantee provision to be limited to 10% of GUARANTEE [PBG] :The successful bidder has annual contract value which is valid till the end of contract. to submit the Performance Bank Guarantee of 20% of the order cost to selected bidder as per the Performa to be provided by the Bank Bidder request the validity of performance bank guarantee to be limited to last date contract and not beyond the same. Also, Request for 30 days cure period before invoking bank guarantee immediately upon placement of purchase order by the Bank, within 21 days of placement of purchase order, valid up to 66 months. Before the expiry of this PBG selected bidder has to provide the PBG of 20% of ATS cost valid up to the ATS period. 40 ANNEXURE - I :9. PAYMENT:Payment terms Bidder request addtion of the clause -The payment for the invoice received along with all stipulated supporting documents shall be done at net 30 days from date of invoice. Page 11 of 46

41 ANNEXURE - I: A Hardware and software Bidder request update the payment terms as under: Advance payment of 10% of total (including tools): - Advance payment of 10% of cost of hardware and software (including tools) shall be made along with the purchase total cost of hardware and software (including tools) shall be made along with the purchase order (BG of equivalent amount for a period minimum one year is to be furnished by the successful bidder) Balance payment shall be released as follows: On delivery and installation - 20% of the total cost of the Hardware and Software (Including tools) On completion of the Project- 40%of the total cost of the Hardware and Software (Including order (BG of equivalent amount for a period minimum one year is to be furnished by the successful bidder) Balance payment shall be released as follows: On delivery and installation - 80% of the total cost of the Hardware and Software (Including tools) On completion of the Project- 10%of the total cost of the Hardware and Software (Including tools) On completion of warranty period- 10% of the total cost of the Hardware and Software (Including tools). Remark :The Vendor is ready to provide extra PBG for the extra payment requested for a mutually agreeable period which could be till the end of warranty period. This helps the vendor in recognising revenue and also shows the vendor's confidence in delivering the solution tools) On completion of warranty period- 30% of the total cost of the Hardware and Software (Including tools). 42 ANNEXURE - I : B Implementation Cost: - i. After completion of SRS - 25 % of total implementation cost ii. After Completion of UAT- 75 % of total implementation cost Bidder request update the payment terms as under: - After completion of Mobilisation - 10% After Completion of SRS - 25% After Completion of UAT - 65% Remark :The Vendor is ready to provide extra PBG for the extra payment requested for a mutually agreeable period which could be till the end of implementation period. This helps the vendor in recognising revenue and also shows the vendor's confidence in delivering the solution 43 ANNEXURE - I 11 a. Delivery The final Drafted Bidder request to Cap the maximum exposure to 5%. Also, Request for 30 days cure SRS should be submitted by the bidder within period before invoking bank guarantee one month of acceptance of order, to the bank for vetting. After getting SRS Sign-Off from the bank, the required software product will be delivered to the bank within 3 months. Any delay in providing deliverables will attract penalty of 2% of license cost per week (maximum of 15% of license cost) for late delivery from agreed schedule. If the delay exceeds 2 months then Bank reserves the right to cancel the order, blacklist the company and recover any payment made by invoking the BG as penalty. Page 12 of 46

44 ANNEXURE - I :11 b. Implementation Schedule :The shortlisted bidder should implement all the listed functionalities of the solution in live environment within 1 month from the date of the UAT Sign-off. Penalty is also applicable in case of delay in live implementation* of the software product. 2% of the implementation cost will be deducted as penalty per week for delaying in implementation as per schedule, with a maximum of up to 10% of implementation cost. Bidder request to Cap the maximum exposure to 5%. 45 ANNEXURE - I :11 c. Penalty for delay in Annual Technical Support :Resolution of the problem is expected within 24 hours of escalation by the Bank (Time of reporting the issue) as per the support matrix provided by the Bidder. Delay in providing resolution will attract penalty at 2% of the ATS cost per year per week subject to a maximum of 20% of the ATS cost for the year. The bank reserves the right to terminate the contract after giving 30 days notice, in case the support is not satisfactory. Bidder request to Cap the maximum exposure to 5%. Page 13 of 46

46 ANNEXURE - I :11 d. System Performance : 1. Bidder request to Cap the maximum exposure to 5 %. The systems uptime should be 99.5% on 24x7 Penalty on account of downtime: Vendor will be liable to be penalized in case of other than planned downtimes. Bank shall downtime at following terms if the uptime is below 99.5% per month: mention the downtime register at the site. i. More than 0.10% to 0.20% 1% of the order value for a month Downtime shall be computed on monthly basis ii. More than 0.20% to 0.30% 2% of the order value for a month and penalty, if any shall be recovered on the iii. More than 0.30% to 0.50% 3% of the order value for a month immediate future payment due to the company. iv. Beyond 0.5% of downtime, there would be penalty of 5% order value for a month. 2. System downtime not to exceed If the uptime is recorded below 99.0% frequently then Bank reserves the right to cancel a) More than half an hour at a stretch during the contract. the period between 9. AM to 9 PM. b) More than one hour at a stretch during the period between 9 PM to 9 AM. Penalty on account of downtime: Vendor will be liable to be penalized in case of downtime at following terms if the uptime is below 99.5% per month: i. More than 0.10% to 0.20% 2% of the order value for a month ii. More than 0.20% to 0.30% 5% of the order value for a month iii. More than 0.30% to 0.50% 10% of the order value for a month iv. Beyond 0.5% of downtime, there would be penalty of 25% order value for a month. If the uptime is recorded below 99.0% frequently then Bank reserves the right to cancel the contract. 47 ANNEXURE - XII :7. Fall Clause :7.1. The BIDDER undertakes that It has not supplied/is not supplying similar Product / systems or subsystems at a price lower than that offered in the present bid in respect of any other Ministry/Department of the Government of India, or PSU and if it is found at any stage that similar product / systems or sub systems was supplied by the BIDDER to any other Ministry/Department of the Government of India or a PSU at a lower price, then that very price, with due allowance for elapsed time, will be applicable to the present case and the difference in the cost would be refunded by the BIDDER to the BUYER, if the contract has already been concluded. We request deletion of this clause 7:Scope of work :Capability Mentions 3000 concurrent users, is this the concurency at the BI tool level or at the database level? 2 7:Scope of work :Capability Point 4 mentions hadoop, data lake, data discovery. Request you to further elaborate on the use cases that will leverage this 3 7:Scope of work :Scalability 100 GB of incremental data is incremental from the sources to the production EDW or is it the incremental data from production EDW to DR EDW? at BI tool level Please Refer Corrigendum No 1 sources to the production EDW per month. Page 14 of 46

4 7:Scope of work :Scalability Is the 200TB data volume mentioned raw data? Is this the initial data volume or is the total size of data lake including structured/un-structured data expected to be after a certain number of years? Would reques the bank to provide data the year-wise data growth 5 8 :Detailed Scope of work Will the DR site be of the same capacity of production or will this be scaled down it should be of same capacity version with respect to both the data volumes and the ability to handle concuurent requests? 6 9: Detailed Scope of work: Big Data Handling Request the bank to provide the raw data volumes that the big data system should be capable of handling. Reques to provide the incremental daily or weekly raw data volume as well. How many years volume needs to be factored for? Please Refer Corrigendum No 7 7 10 : Detailed Scope of work:analytics/ BI reporting Tool How many users will be using the statistical analytics tool and against what data volume Please Refer Corrigendum No 8 are these models expected to run? Would reques the bank to provide a complete list of statistical and predictive analytics models that are expected to be configured 1 Page 26: PQ SL No. 2 : Bidder should be OEM of the offered solution or an authorized partner of OEM. In case the bidder is not OEM of the offered solution, then a certificate from OEM certifying that in case the authorized distributor (bidder) is not able to perform obligations as per contract during contract period, the OEM shall perform the said obligations. For System Integrators (SIs) bidding on behalf of OEMs is it possible to have the obligation clause with solution provider (OEM) removed in the authorization letter? 2 Page 27: PQ SL No. 7: Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last one year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise In case of consortium bids can any party (agent or OEM)provide the references as proof of implementation? For e.g if SI is the prime bidder would sol. implementation references from OEM be accepted? 3 Page 28: PQ SL No. 10: The solution provider company should have at least CMMI (Capability Maturity Model Integration) level 3 certification. However, In case the solution provider is not at CMMI level 3 then the solution to be provided should be accompanied by a certificate from a different CMMI level 5 company, who should confirm, based on their evaluation/audit, that the solution provided is in conformity with CMMI level 3 standards. Would the bid from companies who have applied for the CMMI Level 3 certification be considered? Can this clause be relaxed for bidders who have their solution running at BFSIs; certified for ISO 9000, 27001 and 20000 standards but are not CMMI level 3 4 Page 6: The setup provides information by exploiting historical and current data from all source systems in PNB Page 7: d) Integration : New solution should support reporting through existing BO SAP solution Page 8: Data Sources: Different types of data are to be collected from different sources as decided by bank in the form of structured, semi-structured and un-structured data Estimated volume of data. Estimated transaction count per day and avg. data size accessed per transaction Please specify the backend DB platform for BO SAP Solution with version and edition. Please name the other RDBMS in use. Please specify the sources for semi-structured, unstructured data other than Social Media, web crawling & feeds. Page 15 of 46 Could not be estimated as of now DB2 10.1 Call center data, Click analysis on bank's website, customers' mails to Customer care Division etc.

Page 8: Security and DR Setup Please explain the existing Data Archival Policy Taking backup on Gen 5 Tapes 8 Page 9: Performance Is the logic for KPIs defined or it needs to be developed? Not defined 9 Page 9: Data Extraction, Data Cleansing Will bank provide the master data or access to the existing source systems yes 10 Page 9: Bank would like to have real or near real What is the limit / ceiling of time where bank may call it as Real time? 5-10 minutes data from CBS & Treasury time integration of data in order to have real time analysis. 11 Page 10: Create suitable environment in the existing BO application in order to develop dashboard with real time analysis Does bank require reports and dashboards on mobile devices as well? yes 12 Page 7: Integration: Solution may be capable to take feed from source system on real time basis for reporting 13 Page 11: Tentative lists of analytical reports Some reports related to customer behaviour, sentiment, policy making etc. would require integration with Social Media lisetning/advocacy tool. Please specifiy which tool is being used and if BO SAP provides this capability It may depend upon specific reports or banks requirement No tool available with bank 14 Page 11: Tentative lists of analytical reports Estimated # of Ad-Hoc reports and Static reports(other than mentioned in RFP) Bank wants to have atleast 10 used cases for analytics using Big Data. 15 Page 11: Tentative lists of analytical reports Please specify the platforms on which bank would want to consume the reports SAP BO and other tools for analytics to be proposed by vendor Page 7: Section 3:Scope of Work: The existing Request the Bank to provide details of the existing Hardware (in terms of no. of cores) setup of EDW at PNB is as under: as currrently being used by: a) Hardware and software components of M/s IBM - IBM Datastage tool Ltd. - Business Objects reporting tool PDOA 3.5 Server (IBM Make) IBM Datastage 9.7.0.XX (ETL Tool) b) Reporting tool of Business Objects from M/S SAP Ltd. BO SAP Suite (4.1 SP 5) Page 7: Section 3:Scope of Work: i) To handle large & complex Data with more than 2000 concurrent users 3 Page 7: Section 3:Scope of Work: c) Data model, analytical applications and tools, etc. in conjunction with maintenance on their own capacity and adhering to the technical and operational specifications of the Bank. Extract, Transform and Load (ETL) process should be designed to be capable of processing data on real time basis / on end to end basis. 4 Page 7: Section 3:Scope of Work : e) System built must be capable of processing incremental 100 GB of data and overall DB size of more than 200 TB Page 8 : Section 4: Detailed Scope of Work: 1. Data Sources Request the Bank to provide classification of 2000 concurrent users in terms of: 1. Standard MIS report users (users who would just be information consumers and would log on to the portal to view reports / dashboards) 2. Ad-hoc report users (users who would perform adhoc data analysis) 3. Power Users (Advanced users who would perform advanced analysis) Request the Bank to clarify if the bidder is expected to propose a Banking data model or the existing EDW data model is expected to be reused Request the Bank to clarify if there is a CDC (Change Data Capture) component currently licensed and used Request the Bank to confirm that 100 GB incremental data is daily / monthly / yearly?, Would all the 100 GB of incremental data be loaded in to the EDW?, Request the Bank to provide the Y-o-Y data growth (%), Request the Bank to provide the nightly data load window (in hrs.) for the EDW, Request the Bank to provide the size (in GB) of the existing reporting data mart Request the Bank to provide following details of each of the source systems mentioned: - Size in MB / GB - Database name (SQl / Oracle / DB2) etc. 1) IBM PDOA with 3.5 Node having approx DB size of 80 TB (usable). 2. Two IBM Datastage server with 8 Core 3.6GHz Power 7 Processor Module. 16GB Memory DIMMs, 1066 MHz, 4Gb DDR3 RAM. 3) Two BO Servers 16 Cores 128GB RAM 1. Total users will be all bank employees (~60000). Concurrent sessions may be max upto 2000. 2. 20-25 3. 5-10 Existing data model may be used.currently no CDC license with bank. 100 GB /Month data is flowing. 4-5 hours (for CBS only) loading time. No data mart being used. Reporting through BO SAP solution AS we have 16-18 sources, answer will be very descriptive in nature. Page 9 : Section 4: Detailed Scope of Work : 4. Data cleansing Request the Bank to clarify the data quality tool (if any) is currently being used - Request the Bank to provide the following details related to data quality: - Total number of customer records? - Y-o-Y data growth (%) Page 16 of 46 1. ~8Crores 2. 20-22% for March 14 to March 15

7 Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: a) In any scheduled commercial bank / financial Request the Bank to clarify the understanding that the requirement is to meet either a) OR b) Also request if you can alter the clause as Bidder Should have supplied, installed and implemented Big data & analytical solution; removing proposed as same SI's have Please Refer Corrigendum No 14 institution / Public Ltd. Company in India or all over implemented similar solution with different OEM or OEM solution could have been world during last one year as on bid submission implemented by some other SI not present in this RFP response. date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise 8 Annexure III, Pt 4 ; Pre-qualification criteria : Either Can one OEM for certain component in entire EDW solution which may be best in the SI on behalf of the Principal / OEM or Principal breed for it, submit response with multiple bidders? / OEM itself can bid however both cannot bid simultaneously for the same solution. In case it is observed that the SI on behalf of the Principal / OEM and Principal / OEM itself have simultaneously submitted the bid for same solution, then all such bids will be rejected. Further, if the OEM is the Bidder then the OEM can only bid for own solution only. Scope of work : CL No: 3 : Hardware and software components of M/s IBM Ltd. PDOA 3.5 Server (IBM Make) IBM Datastage 9.7.0.XX (ETL Tool) b) Reporting tool of Business Objects from M/S SAP Ltd. BO SAP Suite (4.1 SP 5) Please provide the complete details of existing setup 1) Node details along with Core /Memory/Usuable Space 2) what is the usuable space in current EDW and how much space is already utilized 3) Historical data is for how many years? 4) Any other IBM technologies used currently during integraion? QualityStage or InfoSphere CDC? There is no bar for one of the OEM to represent as SI. He will also perform the function as OEM & SI for that component and SI for other components. 1) IBM PDOA with 3.5 Node having approx DB size of 80 TB (usable). Two IBM Datastage server with 8 Core 3.6GHz Power 7 Processor Module. 16GB Memory DIMMs, 1066 MHz, 4Gb DDR3 RAM. 2. Usable space:80tb & already utilized: 25 TB 3.since inception of bank 4. IBM Datastage tool/quality STage Scope Of Work : CL No : 3 : To handle large & complex Please Data provide with more How than many 2000 users concurrent currently users access BI server?, Total users and concurrent both details. Please provide the complete HW config of the BO server 3 Scope Of Work : CL No : 3 : "Bank can get quick Please let us know the SLAs, if any, for the response time and the processing time. response, least processing time and higher availability of database required for adhoc query purpose or for report generation" Total users : ~ 60000. Concurrent Approx 400 users. Two IBM BO Servers 16 Cores 128GB RAM Bank will share the same with successful bidder only 4 Scope Of Work :System built must be capable of processing incremental 100 GB of data and overall DB size of more than 200 TB Please confirm if the vendor needs to size for 200 TB of Data Warehouse. Yes ( For Unstructured, Semi-Structured & Structured Data Scope Of work : CL No 7 :Data Model What is the current Data Model used in EDW? Please provide details IBM Data Model Scope Of Work : CL No 8 : Security and DR setup capabilities Please provide along the with current DB archival DR and system security setup being used for the existing EDW. DR is situated at Delhi. Firewall and other necessary security setup is there 7 Data Sources :8 : Different types of data are to be collected from different sources as decided by bank in the form of structured, semi-structured and unstructured data, Unstructured data includes data from social media, web crawling & feeds etc. Please specify who will provide the unstructured data from social media, web crawling and feeds. Vendor has to manage 8 Scope Of Work : CL No 9 : Overall architecture of ETL jobs should be studied and documented and handed over to bank for its record. Is there some existing ETL documentation done by current SI? If Not then is PNB expecting the new vendor to do the same? Page 17 of 46 Documentation is there for ETL but has to be compile & consolidated

Scope Of Work :CL No 9 : Data Quality Is some DQ currently being done in existing DW. Pls provide details if done No 10 Scope of Work ; CL No 9: Big Data handling Has bank identified few use cases for Big Data or the SI should assist bank to define SI should assist. the Big Data specific use cases? 11 Analytics/BI Reporting tool :CL No 10 : To Please confirm if any Customer Profitability tools are currently implemented at the Bank no understand and be able to predict the customer lifetime value, profitability for measuring customer profitability. Analytics/BI Reporting tool : CL No 10 : Similarly bank would like to have latest analytics tool available in market in order to various statistical analytics as per the bank s requirements. Please confirm if the Bank has analytical tools such as SAS implemented. SAS for ALM/ Market Risk/Credit Risk etc. 13 Analytics/BI Reporting tool :CL No10: Systematic documentation of reports available and universes at BO level. Is Bank expecting the new vendor to do the complete documentation of existing BO reports? 14 Analytics/BI Reporting tool : CL No 10 : To generate insights into various analytical domains including Customer, Product, Marketing, MIS, Performance management, Fraud Analytics, Collections and Recovery, Data mining, Corporate Functions by using descriptive, predictive and normative analytics implemented with various tools. Please confirm if any tools have been implemented for the various domains mentioned (Marketing, Performance Management, Fraud, Collections). 15 High Availability ; CL No 3 : high-availability What are the current SLA for existing EDW? Is current EDW able to meet this SLA? requirement for production environment in percentage terms as 99.95% No. But for Universe designing and for any new reports. marketing- SAP CRM, Performance Management - Tool from M/s Corporater Asia., No tool for fraud./collection. General Support Is Single Sign on implemented (AD/LDAP) in all BI application? NO 17 General Support What type of support is required? L1, L2, L3, L4 etc., Please Refer Corrigendum No 9 18 General Support What is the time frame for support? Please Refer Corrigendum No 9 19 General Support What are the activities expected from the L1, L2, L3, L4 support categories? Please Refer Corrigendum No 9 General Support What scheduling and process monitoring tool is used currently? Datastage IBM for Jobs for ETL and SAP BO CMC for BO reports General Support What is the testing tool used currently? Are there any tools existing to perform stress No testing, performance testing etc. Current Implementation Details Please provide the size of current Team supporting the current EDW. Are there any 22-25. No enhancement for the last 1 year enhancements currently been done on EDW. Whose responsibility it is to enhance the EDW ( PNB or existing SI? ) Future Project Details Please provide list of projects envisaged for EDW in future? Query is not clear as what type projects are being asked. 24 Analytics/BI Reporting tool : Current How many Analytical models have been implemented. Please provide the statistics by No analytical model Implementation Details respective subject area 25 Scope Of Work ; Scoping details For the coverage, how many departments are available in PNB? What other areas are to be considered in scope outside these departments? All divisions' requirements has to be covered in the scope. 26 Analytics/BI Reporting tool ; Future Project Details How many unstructured data sources are being considered to provide data in future next 3-5 years? If possible, what are the sources? Vendor has to suggest. 27 Introduction : CL No :6 : PNB had adopted Enterprise Data Warehouse (EDW) system in the year 2007 and now desires to revamp the existing functionality either by enhancing the current solution or deploying a new solution by exploring new compatible technologies from vendors. What are some of the factors that is driving the revamping of the current solution? What are some of the current challenges faced by PNB with their current solution? Yes including big data and analytics in bank. Page 18 of 46

Introduction : CL No :6 : The setup provides information by exploiting historical and current data How many years of historical data is to be maintained? All historical data available in digital format since inception of bank from all source systems in PNB 29 Introduction : CL No :6 : The setup provides Was there any Data Warehouse and Big Data Strategy initiative and the roadmap NO information by exploiting historical and current data defined for these solutions? Could the results of the study be shared? from all source systems in PNB. 30 Pre Qualification for Bidders : CL No :27 ; In terms of technological strength, the proposed enterprise end to end solution for big data handling and analytics, should have proven: a) Experience of minimum 2 years including consulting and actual implementation and support thereafter 31 Pre Qualification for Bidders :CL No 28: Skilled staff and the skill set required for implementing the proposed solution should be explicitly specified along with full manpower requirements. Support/ Implementation personal should at least have 2+ years experience in relevant project. Does the experience need to be on Big Data or any large data warehouse implementation will do? Is the skilled staff required to have 2+ years of experience in implementing Big Data solutions? Experience on Big data is required Yes Scope of work :CL No 7 :Data Model Scope of work :CL No 7 : RDBMS Scope of work :CL No 7 : Metadata Could you please share some details about the Data Model being used, i.e. is it a procured solution, or is it developed specifically for PNB? What Relational Database Management System is being used in PNB for the Data Warehouse? Could you please share some information about the Business and Technical metadata that is available at PNB? Is any tool being used for storing the metadata? 35 Scope of work :CL No 7 : General Scope of Work Are all the systems and branches included within the scope of the existing Data Warehouse? i.e. does the scope of work require including new business units that are not automated currently? 36 Scope of work :CL No 7 : System should be capable of handling structured and unstructured data which can be visualized through BO tools available with bank using sophisticated reporting and charting tools. What are the formats of unstructured data (i.e. audio, video, text, image etc.) that you are looking at to be included in the system? Is there any analysis done identifying the unstructured data sources to be included within the solution? What are the various ways in which unstructured data will be consumed (i.e. through SAP BO Applications only?) What is the retention requirement of unstructured data? 37 3.a. iii)scope of work - Capability : LC 7 : Be based Is the Governance requirement of the required Data Lake system identified? on the latest technology (e.g. Hadoop, Data Lake, What are your visualization requirements? Data Discovery, etc.). 38 3.a. iii)scope of work - Capability : LC 7 : Be based Do you have any defined Use Cases for Hadoop, Data Lake, Data Discovery? Could on the latest technology (e.g. Hadoop, Data Lake, details of the Use Cases be shared? Data Discovery, etc.). How many years of data is planned to be maintained in the Data Lake? 3c) Scope of Work ; CL 7 : Extract, Transform and Load (ETL) process should be designed to be capable of processing data on real time basis / on end to end basis. 3d) Scope of Work : CL 7 : The solution can blend with least changes/modification in existing structured / unstructured data and system components setup wherever practicable. What is the current data load window in hours? What are the challenges with the current ETL load performance? Are there any new systems that are to be integrated through the proposed solution? IBM Data Model customized for PNB IBM DB2 10.1 Metadata is available on PDOA DB itself. All metadata (master data) is maintained through IBM Datastage tool. Yes All formats of unstructured data. Vendor has to propose Please Refer Corrigendum No 7 4 hours. We want to reduce the ETL window. Various Structured and un-structured sources are to be integrated Page 19 of 46

Integration : CL 7 :Bank is having BO SAP solution Could you please specify the approximate number of reports in each category of total of approx 700 reports. Categorization not available with it and new solution should support reporting Simple, Medium and Complex through existing BO SAP solution. It may be capable to take feed from source system on real time basis for reporting ETL System :c CL No :9 : The ETL system should support Multiple Relational Target Database What are the various Target databases to which data from the Data Warehouse will be loaded? At present SQL & Oracle. Big Data Handling d) Data Access and ingestion ; CL No: 9 ;Solution should be interoperable with many data sources and system. Solution should provide ability for analytics on continuously ingested real-time data. End users should be able to access the database using simple SQL queries even without having knowledge of big data query languages. How will the data be accessed by users and applications? Is there any need of visualization or other tools for accessing the data? we are having SAP BO for reporting purpose. For analytical purpose, other tools may be proposed by vendor. Big Data handling b) Reliability : CL No 10 : Solution should be in High availability (HA) mode so that it can serve users even when confronted with node failures or network partitions. Data protection capability should be incorporated. 6. Analytics/BI reporting Tool : CL 10 : Vendor should provide necessary integration with existing reporting BI solution with the proposed architectural change in EDW 6. Analytics/BI reporting Tool :CL 10 : Similarly bank would like to have latest analytics tool available in market in order to various statistical analytics as per the bank s requirements 4.4 Detailed Scope of Work - Data Cleansing : CL No 9 : Data Cleansing 48 Annexure - I - Clause 2 : CL No 19 : Timeline for implementation of the Project 49 Annexure - I - Clause 2 : CL No 19 : Timeline for implementation of the Project Does PNB have any Replication Strategy in place? What is the approximate number of reports in the current system? Is any Dashboards/Scorecards being used currently? Does the scope of this solution include creation of new reports/dashboards? Are there any analytics tool presently in PNB? Do you have any Data Cleansing tool in place other than performing data cleansing through ETL scripts? The Timeline seems to be too stringent considering the scope of work. Is there any chance of the timeline being increased to 18 Months instead of 12 months. Since the timeline is very tight, it is imperative that there is no delaydue to unavailability of PNB resources for meetings, all sign-offs are provided on time etc., Kindly Confirm. At present we are not having any replication strategy w.r.t big data handling. As per annexure XIII No We are currently not using any Data cleansing tool Delays if any attributable to the bank will be excluded. 50 General Since the timeline is very tight, it is imperative that there is no delaydue to unavailability of PNB resources for meetings, all sign-offs are provided on time etc., Kindly Confirm. 51 General Could you please provide a brief list of the Technical Bid Evaluation Criteria that will be used by PNB? 52 Liquidated Damages-If supplier fails to deliver We request PNB to amend the Liquidated Damages as: a sum equivalent to 0.5% of any or all goods or perform services within the order value for each week of delay subject to the maximum of 5%. The penalty will stipulated time schedule, the Bank shall, without be charged on order value for the items for which delivery is delayed. prejudice to its other remedies under the rate contract, deduct from the ordered price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to the maximum of 10%. Kindly See Clause No 25 at Page no 14-15 Please Refer Corrigendum No 17 Page 20 of 46

53 DELIVERY, IMPLEMENTATION SCHEDULE & PENALTY CLAUSE ; CL No 11: a) Delivery b) Implementation Schedule c) Penalty for delay in Annual Technical Support d) System Performance We request PNB to amend the Penalty as: a) Delivery---Any delay in providing deliverables will attract penalty of 0.5% of license cost per week (maximum of 5% of license cost) for late delivery from agreed schedule b) Implementation Schedule ----0.5% of the implementation cost will be deducted as penalty per week for delaying in implementation as per schedule, with a maximum of up to 5% of implementation cost. c) Penalty for delay in Annual Technical Support---Delay in providing resolution will attract penalty at 0.5% of the ATS cost per year per week subject to a maximum of 5% of the ATS cost for the year d) System Performance-- if the uptime is below 99.5% per month: i. More than 0.10% to 0.20% ---0.5% of the order value for a month 54` PAYMENT : CL No 9 : A. Hardware and software (including tools) cost. B. Implementation Cost. C. Training Cost. 55 PERFORMANCE BANK GUARANTEE [PBG] : CL No :4: The successful bidder has to submit the Performance Bank Guarantee of 20% of the order cost to selected bidder as per the Performa to be provided by the Bank immediately upon placement of purchase order by the Bank, within 21 days of placement of purchase order, valid up to 66 months. Before the expiry of this PBG selected bidder has to provide the PBG of 20% of ATS cost valid up to the ATS period. ii. More than 0.20% to 0.30% ---1% of the order value for a month iii. More than 0.30% to 0.50%-- 2% of the order value for a month iv. Beyond 0.5% of downtime, there would be penalty of 5% order value for a month. We request PNB to amend the Payment terms as: A. Hardware and software (including tools) cost. ---- On Delivery--40%, On Installation--30% On Completion of Project--20%, On submission of PBG--10% B. Implementation Cost. --- After completion of SRS----50% After Completion of UAT--50% C. Training Cost.--- On completion of training at the concerned level w.r.t. database/various tools/ system administration etc. Comprising of minimum 50 personal ------50% ii. We On request completion PNB of to user amend training the PBG as per terms requirement as: (250) - 50% The successful bidder has to submit the Performance Bank Guarantee of 10% of the order cost to selected bidder as per the Performa to be provided by the Bank immediately upon placement of purchase order by the Bank, within 21 days of placement of purchase order, valid up to 66 months. Before the expiry of this PBG selected bidder has to provide the PBG of 10% of ATS cost valid up to the ATS period. 56 Termination of Contract : CL No 36 : Termination We propose for both sided termination. of Contract 57 Pre Qualification for Bidders : Annexure-III(point We request PNB to delete the word Proposed from the existing clause and allow the No.7) : Bidder Should have supplied, installed and bidders to give the self-certified copies of the case studies/completion certificate implemented the proposed Big data & analytical wherein there is Non-Disclosure Agreement signed, however bidder can provide the solution: details of the end customer and PNB can verify the same. a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last one year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise Please Refer Corrigendum No 14 Page 7: To handle large & complex Data with more than 2000 concurrent users. a) Please clarify whether it is related to SAP BO concurrent users or anything else. Yes and for any other End users applications b) What is the existing capacity of the EDW, ETL and reporting infrastructure? Page 21 of 46

c) What is the typical concurrency usage at present? 400 d) What is no of concurrent users supported in today's existing environment? Do we 400 yes need to augment? e) Please share year on year growth before concurrent usage reaches 2000. It is required for hardware sizing. 400-1st year 600-2nd year 1000-3rd year or as per banks requirement at that time. f) Please provide concurrency levels supported by existing EDW database and its hardware details. Page 7:Coverage of entire Organization and not a) Please clarify on this requirement. Which all would be additional source system be restricted to individual departments integrations and additional reporting subject areas compared to existing implementation? b) Please share volumetric (daily incremental, format, frequency, etc. ) for such source system integrations. c) Please share details about reporting requirements against new subject areas Please Refer Corrigendum No 8 Page 7: System should be capable of handling structured and unstructured data which can be visualized through BO tools available with bank using sophisticated reporting and charting tools. Page 7 : High availability of solution for at least 99.5%. Bank would like to use any other analytical tools /SAP BO as per business requirement a) Bank wishes to use only SAP BO as the reporting / visualization tool for structured as well as unstructured data. Kindly confirm. b) Which all BO tools (suite) are available with the Bank today? Please share license details and BO components available (e.g. WebI. Design Studio, etc.). c) Please share which all kind of data you would bring in referred to as unstructured Please Refer Corrigendum No 4 data? a) This would not be applicable to existing PDOA based EDW. It is applicable only to Yes additional new components proposed. Please confirm. b) What is the existing availability configuration of EDW: - DB server, - Reporting Server - ETL server 5 Page 8 : System built must be capable of a) 200 TB would be total size of data (EDW + Big data/hadoop). Kindly confirm. If yes, yes processing incremental 100 GB of data and overall what is the expected split between the two. This information is required for proper DB size of more than 200 TB with high level of sizing. scalability and response time. b) What is existing EDW db size? c) Does thebank have all the required connectors to bring in data from various No sources? d) What is existing incremental data size handled per day? e) How many years of capacity is envisaged? 4-5 Years f) What is year on year growth rate of overall data size as it grows till 200TB - for Could not be estimated as of now structured, semi-structured and unstructured data separately? g) What is year on year growth rate of daily incremental data size as it grows till 100 Could not be estimated as of now GB/day - for structured, semi-structured and unstructured data separately? 6 Page 8: Security and DR setup capabilities along a) Please share requirement regarding DR related performance in terms of compute as with DB archival system compared to primary data center for - Reporting, as per RFP - ETL, same as DC - DWH, same as DC - Big data / Hadoop, same as DC - Analytics same as DC b) What are the current RPO/RTO requirements? RPO- 2 hours/ RTO- 4 hours c) What are the RTO and RPO requirements with the DR for the new solution? RPO- 2 hours/ RTO- 4 hours d) What is meant by DB archival system here? What is existing DB archival We are using standard DB2 archival method currently. mechanism, if any? Page 22 of 46

e) What would be the data retention requirement? Take your assumption and explain the same in proposed solution f) Please share details of RBI guidelines that need to be adhered to related to data retention. g) Is there any need for querying on Archived data or it can reside on tapes? Query can be done on archieved data as per bank's need 7 Page 8 : Data Sources a) Please provide details regarding additional source system or new data from existing source systems that would need to be ingested into the proposed solution. Please fill in the details in format provided as in Annexure I New data source entities Please Refer Corrigendum No 4 & 7 b) Which all social media and related listening tools are being referred to in the requirement which would provide data for the proposed solution? By when would the Bank be able to procure such data and make available for the proposed solution? c) Which websites would you be crawling for the unstructured data? By when would the Bank be able to procure such data and make available for the proposed solution? Please Refer Corrigendum No 4 & 7 Please Refer Corrigendum No 4 & 7 d) Which crawling engine will the bank use which would act as source to our solution? to be proposed by vendor 8 Page 8 : One of the primary objectives of the bank is to be able to identify a customer with all his products held across different lines of business and branches through a unique customer ID. Customer data is to be extracted from all the touch points and not necessarily from branches, subsidiaries, overseas branches only. Please clarify whether capability to create unique Customer ID is your requirement or the actual creation of unique customer id for all existing customers is in scope. Please elaborate. 9 Page 8: Data Integration a) Are there any specific needs for Data Masking/Encryption or Red Zone data, from any of the International Banking Subsidies etc.pls clarify and provide required details. Capability to create unique customer ID. No. b) What would be the normal daily ETL refresh window? 4 hrs c) Need existing EDW server sizing details. Please provide. d) Will there be any change in the latency of currently sourced data? (change in NO refreshed data availability). If so please provide details e) Please share details on any existing problems from EDW(Performance / Capacity/ Quality / Missing Data etc) 10 Page 8: Real time Data Integration a) Will the bidder/si require to propose a Real-time/CDC technology or any of the as per annexure XIII bank's existing tools can be leveraged? b) Please share details of corresponding Real time / Near Real Time source, type of CBS & Treasury data data planned to be integrated / analyzed c) How will the data be made available by each such source (pull vs push, format, Please Refer Corrigendum No 4 & 7 etc.)? d) If bidder needs to provide the CDC/real time data replication solution, then we need to know complete hardware and software details of each such source and possible mechanisms through which it can be integrated. Please provide details. (no. of cores and processors in use, license details, current performance level and expected impact, make of database, make of hardware, push vs pull, etc.) as per annexure XIII 11 Page 8: Indicative list of application packages used by bank Request to share existing application landscape in detail, covering application functionalities, database technology, key business functionalities supported, interaction with other applications, structured/unstructured, mode of integration. as per annexure XIII Page 23 of 46

12 Page 9: Data Cleansing: Data cleansing is a vital a) We understand that the bank has a Data Quality Management solution in existing Same or any other tools suggested by vendor. part of EDW and bank would like to implement environment and only that existing Data Quality Management tool would be used for data cleansing using existing tools available or any implementing the related data quality requirements shared in this RFP. Please confirm. more sophisticated tool may be proposed by vendor clearly explaining the advantages over the existing one and b) What is your existing customer base and its growth rate? Page 9:Data Model a) Please provide details about the licenses of enterprise data model being used by the bank in existing EDW. b) We assume that Bank will renew the data model licenses and the same is not in Yes scope of this RFP. Please confirm. c) Existing data model would be extended and a new data model is not required. Please Yes confirm. Page 9: Bank would like to have real or near real time integration of data in order to have real time analysis. Page 9-10: Big Data handling - 16 Page No 8 :Point No. 4 Bank has existing EDW set-up and is looking for an enterprise solution wherein DR Site requirement of Bank can be fulfilled for which vendor should propose its technical architecture in such a way to leverage maximum out of existing infrastructure available with Bank. Page No 7 : Point No. 3 Reporting tool of Business Objects from M/S SAP Ltd. BO SAP Suite (4.1 SP 5) Please elaborate on which all source systems are being referred to here and also the respective source system technology details and data ingestion volumetric. This is required to ensure proper integration capability. a) Request bank to finalize the use cases for Big data as that would impact sizing, estimations and cost. This will provide a level playing field for all bidders. b) Please provide your requirements w.r.t. compression, replication factor, etc. so that same criteria gets used by all bidders for their response. Else it may lead to lots of deviations among bidders' responses on sizing. c) Please provide details of proposed Big Data Sources (Structured/Semi Structured/Unstructured) c) Does the bank intends to source any of EDW data (Either new or existing source system) into / from Big data environment? d) Will Big Data capability be placeholder for future requirement or part of proposed immediate implementation? e) What is the expected Volume, Data Growth & Retention period for Big Data storage? Is Bank looking to replace its current DR Infrastructure as part of this RFP? Please clarify. Please Refer Corrigendum No 6 Please Refer Corrigendum No 7 Please Refer Corrigendum No 7 yes for immediate implementation. Please specify what all components are already licensed by Bank as part of BO SAP Suite. No 18 Page 21: Point No d) 2 Penalty on account of downtime: More than 0.10% to 0.20% - 2% of the order value for a month Please specify how the order value for a month will be calculated. 19 Page No 22 : Point No 13 Annual Technical Support Page 10-11: solution should provide ability for analytics on continuously ingested real-time data. Please specify whether you are expecting vendors to quote for onsite support services also as part of ATS, in addition to ATS of software from OEMs. Or is Bank expecting to take over all services from vendor as part of transition to be done at the end of Warranty Support, Does the bank want real-time capabilities at both Hadoop Platform as well as EDW (Relational DBMS) side or it wants only the capability at one place? Please Refer Corrigendum No 11 Please Refer Corrigendum No 6 Page 24 of 46

21 Page 10: bank would like to have latest analytics Please provide total no. of analytical models to be delivered so that each bidder uses Please Refer Corrigendum No 8 tool available in market in order to various statistical analytics as per the bank srequirements.vendor may propose any latest tools available in market or use existing SAP BO available with bank for this purpose the same information and not assume anything on their own which can cause huge variation among various bids. 22 Page 10-11 : Analytics/ BI reporting Tool a) Are there any specific limitation or challenge with the current BO environment? If so No please provide details. b) Please provide details regarding all additional reports / dashboards required to be Please Refer Corrigendum No 8 build in the format as in Annexure II New reporting requirements. This is required for effort estimation. c) Please provide an upper limit for reports and dashboards which need to be built to Please Refer Corrigendum No 8 provide common reference to all bidders. d) Is there any preference for the tool out of BO suite (e.g. SAP WebI, Design Studio, etc.) or any other tool to visualize structured, semi-structured and unstructured data? No e) Are there any Mobile BI related requirements? Please share details. Yes f) Please provide number of such universes which need to be migrated and their approximately 15 Universes complexity levels. g) Is SAP BO the only tool being used currently for Analytics? Yes h) Is PNB doing any predictive analytics currently? No i) What is the indicative number of predictive models, segmentation that PNB is Please Refer Corrigendum No 8 expecting to build across LOBs and products? j) Does PNB have any methodology in place for Customer Life Time Value or expects PNB don t have any methodology. the vendor to come up with one? k) Does PNB perform any analysis on unstructured data?if yes, what is the purpose of No doing the unstructured data analysis? l) What are the areas where PNB is looking at leveraging unstructured data eg. Please Refer Corrigendum No 8 Customer satisfaction, Complaints analysis etc.? m) For what kind of business problems, is Real time Analytics to be implemented? as per requirement of bank n) What will be the total no of predictive analytics users from bank and will they be 15 to 20 Users, Yes building/developing the Data mining models themselves in future? o) Compared to 200 TB overall repository size, how much data does the bank think that The sizing would be dependent upon the type of would be used for building analytical models in terms of size, recency, etc.? analytics to be done. 23 Page 20: Training a) Training would be imparted using user manuals, powerpoint presentations and Yes demonstration of the implemented solution only. Kindly confirm. b) Please provide indicative number of training sessions to be conducted. Training has to be provided to team of MISD as well as owner divisions member as the need may be. 24 Page 20: The details of the transition support will be specified in the purchase contract. 25 Page 21: The final Drafted SRS should be submitted by the bidder within one month of acceptance of order, to the bank for vetting. Please share your expectations with Transition support as that impacts overall commercials and schedule. (e.g. no. of associates required onsite, phase wise go-live or in single iteration, etc.) Please change within one month of acceptance of order to "within one month of project kick-off" as the order acceptance and actual project kick-off dates may vary. 26 Page 21: After getting SRS Sign-Off from the bank, the required software product will be delivered to the bank within 3 months 27 Page 21: Resolution of the problem is expected Please provide categories / levels of issue priority and severity to which it would be within 24 hours of escalation by the Bank (Time of applicable. Generally production issues are categorized based on severity and priority reporting the issue) as per the support matrix and attended based on corresponding SLAs which are different for different levels of provided by the Bidder. issue severity / priority. Bank will share the same with successful bidder only Page 25 of 46

28 Page 22: The bidder shall also ensure the requisite knowledge transfer to the identified staff of the Bank for maintenance of the system subsequent to the initial on-site support period of 12 months. Post this knowledge transfer, the bidder would provide 3 years onsite production support covered as per ATS requirements. Kindly confirm. 29 Page 23: The bidder shall be required to provide all future updates and upgrades for the solution provided free of cost. If however, the upgrades is not available then the support for the implemented solution should be available at any point of time. We understand that upgrades will be provided by OEM and implementation to be taken care of by the Bank, Or do you expect the SI to implement the upgrades. Please clarify SI to implement the upgrades. 30 Page 22: Point No 13 All upgrades / updates / new version releases will be provided during warranty period with no extra cost to bank 31 Page 23 : Point No 15 The bidder shall be required to provide all future updates and upgrades for the solution provided free of cost. We understand that upgrades will be provided by OEM and implementation to be taken care of by the Bank, Or do you expect the SI to implement the upgrades. Please clarify Please clarify this statement SI to implement the upgrades. Yes. SI has to implement the future updates and upgrades. 32 Page No 27 : In terms of technological strength, the proposed enterprise end to end solution for big data handling and analytics, should have proven: a) Experience of minimum 2 years including consulting and actual implementation and support thereafter b) Security and scalability of the proposed technology. Coverage of entire Organization and not be restricted to individual departments The Bidder can submit independent instances of Analytics and Big Data solution implementations as both may not have got implemented together in previous implementations. Kindly confirm. Please Refer Corrigendum No 13 33 Page 27: Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last one year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise 34 Page 28: Support/ Implementation personal should at least have 2+ years experience in relevant project. The Bidder can submit independent instances of Analytics and Big Data solution implementations as both may not have got implemented together in previous implementations. Kindly confirm. Since this is a fixed-price turnkey project and not a staff augmentation assignment, bidders should not be asked to provide number of manpower required and their skill details. We request PNB to delete this requirement, as we the bidders will be anyway bound by SLAs, LD and Penalties for any default in performance, and this requirement of providing manpower details does not have any significance. Please Refer Corrigendum No 14 35 Page 31: Annexure VI - SERVICE SUPPORT DETAILS If PNB is expecting onsite support from bidder during Warranty and ATS, then this annexure is not required as bidder will front-end the support and take support from OEMs for supporting PNB. Request you to clarify the objective of this annexure. 36 General Project implementation and support team would work out of Bank's premises. Please confirm. yes Page 26 of 46

37 What is the expected support requirement at various levels eg L1-24X7, L2, L3, etc. Please Refer Corrigendum No 9 Production support Please provide details. 38 Data Migration Are there any requirements related to data migration? Please provide details about No source, data volume, format, no. of years of data, etc. 39 a) How many physical environments are required by bank? (Dev, Test, QA, Pre-Prod, Dev, Test, Production, DR Environments Production, DR, etc.) b) Please provide details about all environments related to existing EDW solution, ETL, Corrigendum : Please Refer Fresh Added Annexure XIII Reporting, etc. c) Do any of existing EDW, ETL, Reporting / any other environments need to be augmented? Please provide details. 40 Users Acceptance Testing Bank will do UAT for the solution directly (without any third parties). Kindly confirm. at Bank's discretion 41 Automated Data Flow (ADF) We understand that the Bank already has a separate ADF solution in place and no related integration / implementation is in scope. Please confirm. 42 General Project implementation and support team would work out of Bank's premesis. Please confirm. Backup and recovery Existing backup and recovery policies and mechanisms would be leveraged. Please confirm. 44 Page 26, Pre-qualification, Point No 5 : The SI We understand the limit is on the consortium of SI, not on the OEM partners. Please can form a consortium with at most three other confirm members if required. 45 Page 27, Pre-qualification, Point No 7: Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: Request Bank to rephrase this statement as "Bidder Should have supplied, installed and implemented the proposed / Similar Big data & analytical solution" yes Team has to work at bank's premises yes Please Refer Corrigendum No 14 46 Page 28, Point No 14: Skilled staff and the skill set required for implementing the proposed solution Since this is a fixed-price turnkey project and not a staff augmentation assignment, should be explicitly specified along with full bidders should not be asked to provide number of manpower required and their skill manpower requirements. Support/ Implementation details. We request PNB to delete this requirement, as we the bidders will be anyway personal should at least have 2+ years experience bound by SLAs, LD and Penalties for any default in performance, and this requirement in relevant project. of providing manpower details does not have any significance. 47 Page 22, Point No 12 : The bidder shall also ensure the requisite knowledge transfer to the identified staff of the Bank for maintenance of the system subsequent to the initial on-site support period of 12 months. Page 7, Scope of Work : The existing setup of EDW at PNB is as under: Post this knowledge transfer, the bidder would provide 3 years onsite production support covered as per ATS requirements. Kindly confirm. Request to kindly provide details of the existing setup like: As per RFP a) Hardware and software components of M/s IBM Ltd. a) No of existing servers with their processors /Cores and RAM. PDOA 3.5 Server (IBM Make) b) Total amount of existing Data in SAN Storage. General What is the type of Support expected to be provided - 24*7, 9*6? 50 Page 36 :Annexure IX :In accordance with your bid Please clarify the reference of Social Media Engagement Corrigendum : Please Refer Amended Annexure-XI reference no. PNB/HO/HW/Social Media Engagement /2015-16Dated 51 Page 7, :c) Delivers actual desired Output: Can we propose our own CDC tool for realtime or bank want to utilize existing CDC tool? Please clarify. Golden gate( Oracle) license for source (CBS) side is available with Bank. d) Integration: 52 Page 7, :built must be capable of processing incremental 100 GB of data and overall DB size of more than 200 TB with high level of scalability and response time. Please explain, a) After how many years sizing of 100GB is expected to reach for ETL? Page 27 of 46

B) Should we consider 200 TB for data warehouse sizing or big data sizing? Please Refer Corrigendum No 3 53 Page 8, Bank has existing EDW setup and is looking for an enterprise solution wherein DR site requirement of bank can be fulfilled for which vendor should propose its technical architecture in such a way to leverage maximum out of existing infrastructure available with bank. Is DR requirement for both DW and Big data or only for data warehouse? Both 54 Page 27, Bidder Should have supplied, installed Please confirm if OEM can provide the reference. and implemented the proposed Big data & analytical solution General What is the total size of data currently in DW? General Is there any data quality tool being used? General How much data currently being processed through ETL? General Please provide the number of Data Sources General Please provide total data volume at each source General How frequently will each source need to be processed prefferably on T+1 basis or as per Banks requirement to be decided on SRS. General How long an execution window (Hours) do you have for moving this data 4hrs from the availability of the Sources 62 Point 31, Non Disclodure Request to make this clause mutual since bidder Confidential Information also to be protected. Point 31, Non Disclodure Request to add the following exceptions to confidential information: The Confidential Information shall not include which are: Point 31, Non Disclodure (i) in the possession of, or was known to receiving party prior to its receipt, without an obligation to maintain its confidentiality; Point 31, Non Disclodure (ii) obtained by receiving party from a third party (i) who the receiving party does not know to have violated, or to have obtained such information in violation of any obligation to the disclosing party with respect to such information, (ii) who does not require the receiving party to refrain from disclosing such information and (iii) who has the right to disclose it, without the obligation to keep such information confidential; Point 31, Non Disclodure Point 31, Non Disclodure 63 Liquidated Damages-If supplier fails to deliver any or all goods or perform services within stipulated time schedule, the Bank shall, without prejudice to its other remedies under the rate contract, deduct from the ordered price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to the maximum of 10%. (iii) subsequently becomes generally known to the public without violation of this provision by the receiving party; (iv) independently developed by receiving party without the use of confidential Information and without the participation of individuals who have had access to confidential information; We request to modify the following sentence: This Clause will remain valid for period of two (2) years from the date of even after the termination or expiry of this agreement. We request to clarify: Liquidated damages to the Supplier shall be applicable only for reasons solely and entirely attributable to the Supplier. Please Refer Corrigendum No 17 Page 28 of 46

Liquidated Damages-If supplier fails to deliver any or all goods or perform services within stipulated time schedule, the Bank shall, without prejudice to Liquidated damages shall be levied as 0.5% of the value of the delayed goods/services Please Refer Corrigendum No 17 for every week delay in the implementation schedule to the maximum of 5% of the total of the delayed goods/services cost. its other remedies under the rate contract, deduct from the ordered price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to the maximum of 10%. 64 Page 17 : 33, Confidentiality We request to delete this clause since the same is covered under clause 31. Clause No 31 and Clause no 23 are different clauses. 65 Page 17: Patent Rights: The supplier shall Standard indemnity exceptions for infringement of intellectual property rights indemnify the Bank against all third party claims of should be inserted. Indemnification by the bidder shall be provided for claims infringement of patent, trademark or industrial raised for reasons solely and entirely attributable to the supplier. design rights arising from use of the Goods, or any part thereof in India. i. The supplier shall, at their own expense, defend and indemnify the Bank against all third party claims or infringement of intellectual Property Right, including Patent, trademark, copyright, trade secret or industrial design rights arising from use of the products or any part thereof in India or abroad. ii. The supplier shall expeditiously extinguish any such claims and shall have full rights to defend it there from. If the Bank is required to pay compensation to a third party resulting from such infringement, the supplier shall be fully responsible for, including all expenses and court and legal fees. iii. The Bank will give notice to the Supplier of any such claim without delay, provide reasonable assistance to the Supplier in disposing of the claim, and shall at no time admit to any liability for or express any intent to settle the claim. iv. The supplier shall grant to the bank a fully paidup, irrevocable, non-exclusive license throughout the territory of India or abroad to access, replicate and use software [and other software items] Please Refer Corrigendum No 18 Page 29 of 46

Page 17: Patent Rights: The supplier shall Bank should provide indemnity for software provided by Bank, if any, to enable Please Refer Corrigendum No 18 indemnify the Bank against all third party claims of supplier to provide services. infringement of patent, trademark or industrial design rights arising from use of the Goods, or any part thereof in India. i. The supplier shall, at their own expense, defend and indemnify the Bank against all third party claims or infringement of intellectual Property Right, including Patent, trademark, copyright, trade secret or industrial design rights arising from use of the products or any part thereof in India or abroad. ii. The supplier shall expeditiously extinguish any such claims and shall have full rights to defend it there from. If the Bank is required to pay compensation to a third party resulting from such infringement, the supplier shall be fully responsible for, including all expenses and court and legal fees. iii. The Bank will give notice to the Supplier of any such claim without delay, provide reasonable assistance to the Supplier in disposing of the claim, and shall at no time admit to any liability for or express any intent to settle the claim. iv. The supplier shall grant to the bank a fully paidup, irrevocable, non-exclusive license throughout the territory of India or abroad to access, replicate and use software [and other software items] Page 30 of 46

Page 17: Patent Rights: The supplier shall Request a clause on pre-existing rights of the intellectual property rights of the Please Refer Corrigendum No 18 indemnify the Bank against all third party claims of supplier to be inserted. infringement of patent, trademark or industrial design rights arising from use of the Goods, or any part thereof in India. i. The supplier shall, at their own expense, defend and indemnify the Bank against all third party claims or infringement of intellectual Property Right, including Patent, trademark, copyright, trade secret or industrial design rights arising from use of the products or any part thereof in India or abroad. ii. The supplier shall expeditiously extinguish any such claims and shall have full rights to defend it there from. If the Bank is required to pay compensation to a third party resulting from such infringement, the supplier shall be fully responsible for, including all expenses and court and legal fees. iii. The Bank will give notice to the Supplier of any such claim without delay, provide reasonable assistance to the Supplier in disposing of the claim, and shall at no time admit to any liability for or express any intent to settle the claim. iv. The supplier shall grant to the bank a fully paidup, irrevocable, non-exclusive license throughout the territory of India or abroad to access, replicate and use software [and other software items] Page 31 of 46

Page 17: Patent Rights: The supplier shall Also clarifies that if supplier provides to the Bank any proprietary software or Please Refer Corrigendum No 18 indemnify the Bank against all third party claims of tools of supplier or of a third party, the parties shall negotiate and set forth the infringement of patent, trademark or industrial applicable terms and conditions in a separate license agreement and the design rights arising from use of the Goods, or any provisions of this clause shall not apply to any deliverables related to part thereof in India. customization or implementation of any such proprietary software or products of i. The supplier shall, at their own expense, defend the supplier or of a third party. and indemnify the Bank against all third party claims or infringement of intellectual Property Right, including Patent, trademark, copyright, trade secret or industrial design rights arising from use of the products or any part thereof in India or abroad. ii. The supplier shall expeditiously extinguish any such claims and shall have full rights to defend it there from. If the Bank is required to pay compensation to a third party resulting from such infringement, the supplier shall be fully responsible for, including all expenses and court and legal fees. iii. The Bank will give notice to the Supplier of any such claim without delay, provide reasonable assistance to the Supplier in disposing of the claim, and shall at no time admit to any liability for or express any intent to settle the claim. iv. The supplier shall grant to the bank a fully paidup, irrevocable, non-exclusive license throughout the territory of India or abroad to access, replicate and use software [and other software items] Page 32 of 46

Page 17: Patent Rights: The supplier shall We also clarify that supplier will provide the rights and obligations of the third Please Refer Corrigendum No 18 indemnify the Bank against all third party claims of party software (if provided) as provided in the license agreement of such third infringement of patent, trademark or industrial party. Intellectual property rights in such third party software shall vest in such design rights arising from use of the Goods, or any third party only. part thereof in India. i. The supplier shall, at their own expense, defend and indemnify the Bank against all third party claims or infringement of intellectual Property Right, including Patent, trademark, copyright, trade secret or industrial design rights arising from use of the products or any part thereof in India or abroad. ii. The supplier shall expeditiously extinguish any such claims and shall have full rights to defend it there from. If the Bank is required to pay compensation to a third party resulting from such infringement, the supplier shall be fully responsible for, including all expenses and court and legal fees. iii. The Bank will give notice to the Supplier of any such claim without delay, provide reasonable assistance to the Supplier in disposing of the claim, and shall at no time admit to any liability for or express any intent to settle the claim. iv. The supplier shall grant to the bank a fully paidup, irrevocable, non-exclusive license throughout the territory of India or abroad to access, replicate and use software [and other software items] Page 33 of 46

66 Termination of Contract: The quality of services given by the bidder will be reviewed every 3 months and if the services are not found satisfactory, the bank reserves the right to terminate the contract by giving 30 days notice to the bidder. The decision of the bank regarding quality of services shall be final and binding on the bidder. The Bank shall have the right to terminate/cancel the contract with the selected bidder at any time during the contract period, by giving a written notice of 30 days, for any valid reason, including but not limited to the following : a) Excessive delay in execution of order placed by the Bank b) Discrepancies / deviations in the agreed processes and/or products c) Failure of vendor to maintain the SLAs such as Uptime & Availability, Reporting of Incidents/Alerts and Resolution of Problems related to monitoring solution as specified in the RFP for 2 consecutive quarters. d) Failure of vendor to complete implementation of solution within the time as specified in the RFP document 18 P a g e e) Violation of terms & conditions stipulated in this RFP Upon termination, Bank shall pay all outstanding amounts to bidder for services rendered till the date of termination; and Bank will return all confidential information of bidder or destroy it and provide written certification of such destruction. Page 34 of 46

Termination of Contract: The quality of services Bidder shall also have a right to terminate this contract by giving 30 days written notice, given by the bidder will be reviewed every 3 in event of breach of any terms and conditions of it by the Bank, provided the breach is months and if the services are not found not cured by the Bank within such notice period. satisfactory, the bank reserves the right to terminate the contract by giving 30 days notice to the bidder. The decision of the bank regarding quality of services shall be final and binding on the bidder. The Bank shall have the right to terminate/cancel the contract with the selected bidder at any time during the contract period, by giving a written notice of 30 days, for any valid reason, including but not limited to the following : a) Excessive delay in execution of order placed by the Bank b) Discrepancies / deviations in the agreed processes and/or products c) Failure of vendor to maintain the SLAs such as Uptime & Availability, Reporting of Incidents/Alerts and Resolution of Problems related to monitoring solution as specified in the RFP for 2 consecutive quarters. d) Failure of vendor to complete implementation of solution within the time as specified in the RFP document 18 P a g e e) Violation of terms & conditions stipulated in this RFP 67 Limitation of Liability:Vendor s aggregate liability under the contract shall be limited to a maximum of the contract value. This limit shall not apply to third party claims for a.) IP Infringement indemnity b.) Bodily injury (including Death) and damage to real property and tangible property caused by vendor/s gross negligence. For the purpose for the section, contract value at any given point of time, means the aggregate value of the purchase orders placed by bank on the vendor that gave rise to claim, under this tender. Vendor shall not be liable for any indirect, consequential, incidental or special damages under the agreement/ purchase order. Request to consider the modified clause: Vendor s aggregate liability under the contract or tort shall be limited to fees actually received by TCS from the Client for the services Service that gives rise to such liability during the twelve month period immediately preceding such claima maximum of the contract value. This limit shall not apply to third party claims for a.) IP Infringement indemnity Page 35 of 46

b.) Bodily injury (including Death) and damage to real property and tangible property please be guided as per RFP caused by vendor/s gross negligence. For the purpose for the section, contract value at any given point of time, means the aggregate value of the purchase orders placed by bank on the vendor that gave rise to claim, under this tender. Vendor shall not be liable for any indirect, consequential, exemplary, incidental or special damages nor for any damages as to lost profit, data, goodwill or business, nor for any reliance or cover damages arising out of this Agreement, tort or other theories of law, even if that party was advised about the possibility of the same under the agreement/ purchase order. Vendor shall be excused and not be liable or responsible for any delay or failure to perform the services or failure of the services or a deliverable under this agreement to the extent that such delay or failure has arisen as a result of any delay or failure by Bank or its employees or agents or third party service providers to perform any of its duties and obligations as set out in this agreement and the applicable statement of work. In the event that the Vendor is delayed or prevented from performing its 68 Page 19 : Annexure - I. Clause 3, Acceptance Test obligations The Acceptance due to provision such failure is incomplete or delay on and the does part not of or have on behalf a provision of Bank, for Vendor deemed shall Deemed Acceptance not acceptable. : The system acceptance is subject to an Acceptance test. Vendor has to arrange required resources at the site at the date and time mentioned by the Bank to assist in the acceptance test. Only after Acceptance by Bank the system should go live from Test environment. Signing of the installation cum acceptance certificate will constitute the final acceptance of materials. acceptance of deliverables. Request to insert the following provision therein: A deliverable shall be treated as accepted by Bank if Bank (a) fails to provide the list of non-conformities within two (2) weeks of delivery, (b) fails to notify the acceptance of the deliverables in terms of this clause within the period of two (2) weeks from delivery, or (c) starts using the deliverable in a live production environment (other than as part of agreed review and acceptance testing procedure, such as UAT). Deemed Acceptance not acceptable. 69 Page 20 : Annexure I. Clause 7, Training Training material (if provided) shall be provided in soft copies. 70 Page 20 : Annexure I. Clause 8, Transition We request to clarify that any transition support with additional personnel will be with Support additional cost as mutually agreed between the parties. 71 Page 20 : Annexure I, Clause 9, Payment Request Bank to insert a provision in order to clarify that all payments shall be made within thirty (30) days of receipt of invoice from the bidder. Interest @ 1.5% per month on outstanding amount to be levied on the Bank in case of non-payment within due time and bidder may withhold services if Bank fails to pay the bidder in due time. 72 Page 21 : Annexure I. Clause 10, Taxes : The prices are inclusive of all Taxes, Statuary levies etc. except Sales Tax/VAT/Octroi/Entry Tax/ We request to clarify that the bid price shall be exclusive of all applicable taxes, duties levies, VAT/Sales Tax/ Service Tax/Octroi. All taxes including any newly introduced taxes shall be to the account of Bank. Any increase or decrease in taxes shall be to the Service Tax which will be paid on actual basis. The account of Bank. Each party is responsible for its own income taxes, corporate taxes Excise/Custom duty / Service Tax will however and franchise taxes. have to be mentioned separately in the invoice and the bank may set off the applicable Excise/Customs duty against the Duty Free Scrip for which bank is eligible under chapter 3 of Foreign Trade Policy. Please refer Corrigendum 10 Page 36 of 46

73 Page 21 : Annexure I. Clause 11, Delivery, We request to delete the sub clause a, b and c since the same is covered as 74 Implementation Schedule and Penalty Clause Page 22: Annexure - I. Clause 12: Warranty Liquidate Damages as clause 32. d) System Performance: We request to add the following exceptions for uptime. The time lost due to any of the following reasons shall be taken into account while calculating the availability/ uptime requirement: (a) Time lost due to power or environmental failures; (b) Time taken to recover the system because of power or environmental failures; (c) Time lost due to damage or malfunction in the system or any units thereof due to causes attributable to Vendor such as attachment of additional devices, making alteration to the system, maintenance of the system, etc. without Vendor s consent and/ or failure to maintain the site as required by the Vendor; (d) Time taken for scheduled maintenance/ troubleshooting either for preventive purposes or improvement in function or other purposes; (e) Time taken for reconfiguration or other planned downtime situations; (f) Scheduled shutdowns as required by Bank; (Vendor may also request BANK for a shutdown for maintenance purpose, which request will not be denied unreasonably by Bank); (g) Time taken for booting the system (h) Time lost due to unavailability of links. Penalty on account of downtime: We clarify that overall cumulative penalty on the Bidder We request to insert the standard exceptions to the warranty clause which are not Please Refer Corrigendum No 9 appearing and insert the standard disclaimer to warranty. Furthermore, we request to clarify that any upgrades, updates and patches will be provided free of cost to the Bank by the bidder only if they are provided by the OEM of Hardware/Software/OS- else this will be at a cost as stipulated by the OEM. 75 Page 23 : Annexure I. Clause 15, Upgrades and We request to clarify that any upgrades, updates and patches will be provided free of Updates cost to the Bank by the bidder only if they are provided by the OEM of Hardware/Software/OS- else this will be at a cost as stipulated by the OEM. 76 Page 23 : Annexure I,Clause 21, Indemnity We request to delete this clause since the same is covered in detail under clause 34 of the RFP. 77 Page 36: Annexure XI: Performa for the Bank Need to add the following: Corrigendum : Amended Annexure-XI Guarantee for Earnest Money Deposit 1. Notwithstanding anything contained hereinabove: Corrigendum : Amended Annexure-XI a) Our liability under this Bank Guarantee shall not exceed and is restricted to Corrigendum : Amended Annexure-XI INR. (Rupees only) b) This Guarantee shall remain in force up to and including (including claim Corrigendum : Amended Annexure-XI period of three months) c) Unless the demand/claim under this guarantee is served upon us in writing before Corrigendum : Amended Annexure-XI all the rights of the Purchaser under this guarantee shall stand automatically forfeited and we shall be relieved and discharged from all liabilities mentioned hereinabove. 78 Additional Clauses to be incorporated in the 1. Entire Contract RFP This contract together with its Schedules, Annexure and Exhibits, executed by the parties hereto constitutes the entire understanding between the parties hereto with respect to the subject matter hereto and supersedes and cancels all previous negotiations thereof. To the extent permitted by applicable law, a party is not liable to another party in contracts or torts or any other way for a representation or warranty that is not set out in this contract. 2. Non-employment: Bank will neither offer to employ nor employ, directly or otherwise, any Vendor s employee, associated for the purpose of the proposal or with the assignment, during the period between the date of this proposal and two years from the completion of the assignment arising here from. 3. Nonexclusively Page 37 of 46

Vendor shall be free to do similar business either for itself or for any other party or offer similar services to any third parties but without in any way affecting the services agreed to be offered by Vendor under this contract. 4. Tata Code of Conduct The business activities of the Vendor (TCS) are self-regulated by the Tata Code of Conduct. Bank undertakes that it will endeavor to promptly report any violation or potential violation of the Code by any person to the Local Ethics Counselor or the Principal Ethics Counsellor or the CEO of Vendor. Vendor in turn, undertakes that it will maintain confidentiality of all communications received. 79 Page 13: 18. PERIOD OF VALIDITY: Bids shall Request Bank to consider the modified clause: Bids shall remain valid for a period of 6 remain valid for a period of 6 months from the date months from the date of bid Submission prescribed by the Bank. of bid opening prescribed by the Bank. 80 Liquidated Damages-If supplier fails to deliver any or all goods or perform services within stipulated time schedule, the Bank shall, without prejudice to its other remedies under the rate contract, deduct from the ordered price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to the maximum of 10%. Kindly reduce the penalty to 0.5% from 1% of the delayed order value per week. Please Refer Corrigendum No 17 81 Termination of Contract: The quality of services given by the bidder will be reviewed every 3 months and if the services are not found satisfactory, the bank reserves the right to terminate the contract by giving 30 days notice to the bidder. The decision of the bank regarding quality of services shall be final and binding on the bidder. The Bank shall have the right to terminate/cancel the contract with the selected bidder at any time during the contract period, by giving a written notice of 30 days, for any valid reason, including but not limited to the following : a) Excessive delay in execution of order placed by the Bank b) Discrepancies / deviations in the agreed processes and/or products c) Failure of vendor to maintain the SLAs such as Uptime & Availability, Reporting of Incidents/Alerts and Resolution of Problems related to monitoring solution as specified in the RFP for 2 consecutive quarters. d) Failure of vendor to complete implementation of solution within the time as specified in the RFP document 18 P a g e e) Violation of terms & conditions stipulated in this RFP At any time of the termination of contract by bank, bank is liable to pay all the outstanding dues before termination of the contract. Page 38 of 46

82 PAge 19: 4. PERFORMANCE BANK GUARANTEE [PBG]: The successful bidder has to submit the Performance Bank Guarantee of 20% of the order cost to selected bidder as per the Performa to be provided by the Bank immediately upon placement of purchase order by the Bank, within 21 days of placement of purchase order, valid up to 66 months. Please include PBG of 10% of the contract value instead of 20% of the contract value. PAge 19: 4. PERFORMANCE BANK Kindly clarify the period of validity of PBG. Will it be 66 months or 72 months since the GUARANTEE [PBG]: The successful bidder has to contract duration is 72 months (12 months implementation + 5 year support)? submit the Performance Bank Guarantee of 20% of the order cost to selected bidder as per the Performa to be provided by the Bank immediately upon placement of purchase order by the Bank, within 21 days of placement of purchase order, valid up to 66 months. Before the expiry of this PBG selected bidder has to provide the PBG of 20% of ATS cost valid up to the ATS period. Request the bank to modify the clause to be read as " successful bidder to issue PBG of 10% yearly value of the contract for each of the contract year". 83 PAge 19: 5. DURATION OF CONTRACT: Bank will enter into contract initially for a period of 5 years, however, the same should be extendable after completion of 5 years for a further period of 1 year or any other period as specified by Bank on mutually agreed terms and costs, if the bank so desires. Please clarify if contract duration of 5 years includes 12 months of implementation and acceptance by bank. 84 PAge 20: 9. PAYMENT A. Hardware and software (including tools) cost: : Advance payment of 10% of total cost of hardware and software (including tools) shall be made along with the purchase order (BG of equivalent amount for a period minimum one year is to be furnished by the successful bidder) Balance payment shall be released as follows: On delivery and installation - 20% of the total cost of the Hardware and Software (Including tools) On completion of the Project- 40%of the total cost of the Hardware and Software (Including tools) On completion of warranty period- 30% of the total cost of the Hardware and Software (Including tools). A. Hardware and software (including tools) cost: Kindly modify the following milestone payment percentage : On delivery and installation - 50% of the total cost of the Hardware and Software (Including tools) On completion of the Project- 30%of the total cost of the Hardware and Software (Including tools) On completion of warranty period- 10% of the total cost of the Hardware and Software (Including tools). Kindly explain the third milestone "Completion of project" Bank will enter into contract initially for a period of 5 years including implementation. 85 Page 20: 9. PAYMENT C. Training Cost : i. On completion of training at the concerned level w.r.t. database/various tools/ system administration etc. Comprising of minimum 50 personal 25% ii. On completion of user training as per requirement (250) - 75% Training cost must be paid 100% on completion of each training. Page 39 of 46

86 Page 20: 11. DELIVERY, IMPLEMENTATION SCHEDULE & PENALTY CLAUSE a) Delivery: After getting SRS Sign-Off from the bank, the required software product will be delivered to the bank within 3 months. Any delay in providing deliverables will attract penalty of 2% of license cost per week (maximum of 15% of license cost) for late delivery from agreed schedule. Request Bank to remove this penalty clause 87 Page 20: 11. DELIVERY, IMPLEMENTATION SCHEDULE & PENALTY CLAUSE: If the delay exceeds 2 months then Bank reserves the right to cancel the order, blacklist the company and recover any payment made by invoking the BG as penalty. 88 Page 20: b) Implementation Schedule: The shortlisted bidder should implement all the listed functionalities of the solution in live environment within 1 month from the date of the UAT Sign-off. Penalty is also applicable in case of delay in live implementation* of the software product. 2% of the implementation cost will be deducted as penalty per week for delaying in implementation as per schedule, with a maximum of up to 10% of implementation cost. Request Bank to remove this penalty clause Request Bank to remove this penalty clause 89 PAge 20: c) Penalty for delay in Annual Technical Support: Delay in providing resolution will attract penalty at 2% of the ATS cost per year per week subject to a maximum of 20% of the ATS cost for the year. The bank reserves the right to terminate the contract after giving 30 days notice, in case the support is not satisfactory. Request Bank to remove this penalty clause 90 Page 20: d) System Performance: Penalty on account of downtime: Vendor will be liable to be penalized in case of downtime at following terms if the uptime is below 99.5% per month: i. More than 0.10% to 0.20% 2% of the order value for a month ii. More than 0.20% to 0.30% 5% of the order value for a month iii. More than 0.30% to 0.50% 10% of the order value for a month iv. Beyond 0.5% of downtime, there would be penalty of 25% order value for a month. Request Bank to remove this penalty clause Page 40 of 46

91 PAge 22: 12. WARRANTY: The solution should have a comprehensive on-site warranty of one year after live implementation of software applications. Warranty should cover trouble shooting, removing bugs/errors and enhancement (if required). There will be no charges for additional customization during warranty. Additional customization during warranty will be chargeable. Please Refer Corrigendum No 9 92 Page 22: 13. ANNUAL TECHNICAL SUPPORT (ATS): The ATS rates will be valid for a period of four years after expiry of one year free warranty period. Payment of ATS will be released in advance on half yearly basis...ats payment will be released in arrears on quarterly basis. 93 Page 34: ANNEXURE-IX: Please submit your quote exclusive of service tax and inclusive of other taxes. 94 The price quoted should hold good for the period of contract and should not be changes for any reason whatsoever. 1 13. TERMS AND CONDITIONS OF THE BIDDING FIRMS : Page 12 : The bidding firms are not allowed to impose their own terms and conditions to the bid and if submitted will not be considered as forming part of their bids. Bidder has to strictly comply with the terms and conditions mentioned in the RFP 2 Liquidated Damages-If supplier fails to deliver any or all goods or perform services within stipulated time schedule, the Bank shall, without prejudice to its other remedies under the rate contract, deduct from the ordered price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to the maximum of 10%. Kindly confirm the payment terms for ATS. Please Refer Corrigendum No 11 Pleas modify this clause as "Please submit your quote exclusive of VAT/service tax/octroi/lbt/entry tax. Pleas modify this clause as "The price quoted should hold good for the period of 180 days from the date of submission" The Ts & Cs will be as per our proposal and can be mutually agreed to by both parties Please refer Amended annexure IX of Commercial Offer Please refer Amended annexure IX of Commercial Offer Pls reduce the maximum cap on the penalty to 5% of the order value Please Refer Corrigendum No 17 Page 41 of 46

3 Termination of Contract: The quality of services given by the bidder will be reviewed every 3 months and if the services are not found satisfactory, the bank reserves the right to terminate the contract by giving 30 days notice to the bidder. The decision of the bank regarding quality of services shall be final and binding on the bidder. The Bank shall have the right to terminate/cancel the contract with the selected bidder at any time during the contract period, by giving a written notice of 30 days, for any valid reason, including but not limited to the following : a) Excessive delay in execution of order placed by the Bank b) Discrepancies / deviations in the agreed processes and/or products c) Failure of vendor to maintain the SLAs such as Uptime & Availability, Reporting of Incidents/Alerts and Resolution of Problems related to monitoring solution as specified in the RFP for 2 consecutive quarters. d) Failure of vendor to complete implementation of solution within the time as specified in the RFP document 18 P a g e e) Violation of terms & conditions stipulated in this RFP Terminaton for convenience is not an option. 4 ANNEXURE I - 4. PERFORMANCE BANK GUARANTEE [PBG]/ Page No 19/ HW & SW will paid 100% on delivery. Implementation services will be paid based on monthly milestones. AMS will be paid quarterly in advance & HW AMC & SW ATS will be paid annually in advance. 5 Page 21 : Annexure I. Clause 10, Taxes : The prices are inclusive of all Taxes, Statuary levies etc. except Sales Tax/VAT/Octroi/Entry Tax/ Service Tax which will be paid on actual basis. The Excise/Custom duty / Service Tax will however have to be mentioned separately in the invoice and the bank may set off the applicable Excise/Customs duty against the Duty Free Scrip for which bank is eligible under chapter 3 of Foreign Trade Policy. Pls have this reviwed by tax 6 11. DELIVERY, IMPLEMENTATION SCHEDULE all LDs/ penalties will be capped to maximum of 5% of the TCV & PENALTY CLAUSE/ Page No 21 Please Refer Corrigendum No10 7 13. ANNUAL TECHNICAL SUPPORT (ATS)/ Page We need more clarity on the "one year free warranty period". ATS will be paid annually Please Refer Corrigendum No 11 No 22 in advance 8 14. ANNUAL MAINTENANCE CONTRACT/ Page No 22 We need more clarity on the "3 year free warranty period". AMC will be paid annually in advance Page 42 of 46

1 Page 26, Eligibility Criteria, Point 7 / Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: a) In any scheduled commercial bank / financial Request bank to relax the experience clause from prposed solution only. The clause may be read as: Bidder Should have supplied, installed and implemented Big data & analytical solution: a) In any scheduled commercial bank / financial institution / Public Ltd. Company in Please Refer Corrigendum No 14 institution / Public Ltd. Company in India or all over India or all over world world during last one year as on bid submission b) Of any size in any Business enterprise date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise 2 Page 26, Eligibility Criteria, Point 10 The solution provider company should have at least CMMI (Capability Maturity Model Integration) level 3 certification. However, In case the solution provider is not at CMMI level 3 then the solution to be provided should be accompanied by a certificate from a different CMMI level 5 company, who should confirm, based on their evaluation/audit, that the solution provided is in conformity with CMMI level 3 standards. Please confirm if this clause is for OEM or Bidder 3 Page 21, Penalty -Any delay in providing deliverables will attract penalty of 2% of license cost per week (maximum of 15% of license cost) for late delivery from agreed schedule 4 Page 21, Penalty-Penalty is also applicable in case of delay in live implementation* of the software product. 2% of the implementation cost will be deducted as penalty per week for delaying in implementation as per schedule, with a maximum of up to 10% of implementation cost. Request bank to limit the maximum penalty to 10% only Request bank to limit this penalty to maximum of 5% only 5 Delay in providing resolution will attract penalty at 2% of the ATS cost per year per week subject to a maximum of 20% of the ATS cost for the year. 20% penalty for ATS is too high. Request bank to cap it at 10% 6 Liquidated Damages-If supplier fails to deliver any or all goods or perform services within stipulated time schedule, the Bank shall, without prejudice to its other remedies under the rate contract, deduct from the ordered price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to the maximum of 10%. Please confirm if this is over and above the penalty due to late delivery. If so, request bank to cap the overall penalty to 10% only Please Refer Corrigendum No 17 Page 43 of 46

7 Page 20, Payment Terms--Balance payment shall Since the hardware, tools and software will be delivered at site, we request bank to be released as follows: On delivery and installation modify the payment terms as below: - 20% of the total cost of the Hardware and Software (Including tools) On completion of the 70% on delivery 20% on completion of installation, same can be released against BG of equal amount Project- 40%of the total cost of the Hardware and Software (Including tools) On completion of warranty period- 30% of the total cost of the Hardware and Software (Including tools). 8 Tax Please confirm if taxes are to be inclusive or exclusive. In the commercial table clause, Please Refer Corrigendum No 10 it is mentioned that quote should be exclusive of service tax and inclusive of other taxes Page 7: 3. Scope of work: The existing setup of Request to kindly provide the details of servers such as EDW at PNB is as under: 1) No. of Servers a) Hardware and software components of M/s IBM 2) No. of processors and Cores in each server Ltd. 3) RAM in each server PDOA 3.5 Server (IBM Make) IBM Datastage 4) Hard Disk size of each server 9.7.0.XX (ETL Tool) Page 7: 3. Scope of work : b) Reporting tool of Business Objects from M/S SAP Ltd. BO SAP Suite (4.1 SP 5) Request to kindly provide the details of licences such as 1) Total No. of Licenses 2) Is the software under warranty/support to cover the duration of this project Page 7: 3. Scope of work: a) Capability: Please let us know total no. of users i. To handle large & complex Data with more than 2000 concurrent users. Page 8: 3. Scope of work: f) Implementation and Please confirm that bidder is not required to provide the networking equipments, SAN maintenance of necessary hardware, operating storage as part of this tender. Bidder has to provide only servers along with OS, system, a relational database management system RDBMS and COTS software. (RDBMS) and/or off-the-shelf software required for a comprehensive "Data Warehousing and Business Intelligence System (DWBIS). 5 Page 15: 25. BID OPENING, EVALUATION AND AWARD CRITERIA : The L1 price for the awarded contract will be decided as per Reverse Auction. 6 Page 20 :9. PAYMENT : On delivery and installation - 20% of the total cost of the Hardware and Software (Including tools) 7 Page 20 :9. PAYMENT : On completion of warranty period- 30% of the total cost of the Hardware and Software (Including tools). 8 Page 20 :9. PAYMENT : Advance payment of 10% of total cost of hardware and software (including tools) shall be made along with the purchase order (BG of equivalent amount for a period minimum one year is to be furnished by the successful bidder) Request to kindly consider to drop the reverse auction method and award the contract to L1 bid. Request to kindly modify the payment term as: "On delivery and installation - 40% of the total cost of the Hardware and Software (Including tools)" Request to kindly modify the payment term as: "On completion of warranty period- 10% of the total cost of the Hardware and Software (Including tools)." Request to kindly modify the clause as: "Advance payment of 10% of total cost of the contract shall be made along with the purchase order (BG of equivalent amount for a period minimum one year is to be furnished by the successful bidder)" 1) IBM PDOA with 3.5 Node having approx DB size of 80 TB (usable). 2. Two IBM Datastage server with 8 Core 3.6GHz Power 7 Processor Module. 16GB Memory DIMMs, 1066 MHz, 4Gb DDR3 RAM. 1) SAP appl standalone business analytics professsional users: 25; BA&T SAP BO BI Suite (user): 175; BA&T SAP BO BI Suite(CS): 400. 2) Yes For end applications, system should capable of handling 2000 concurrent sessions. Yes Page 44 of 46

9 Page 20 :9. PAYMENT : i. After completion of SRS Request to kindly modify the clause as: - 25 % of total implementation cost ii. After Completion of UAT- 75 % of total implementation cost i. After completion of SRS - 50 % of total implementation cost ii. After Completion of UAT- 50 % of total implementation cost 10 Page 20 :9. PAYMENT : C. Training Cost : i. On completion of training at the concerned level w.r.t. database/various tools/ system administration etc. Comprising of minimum 50 personal 25% ii. On completion of user training as per requirement (250) - 75% Request to kindly modify the clause as: C. Training Cost : i. On completion of training at the concerned level w.r.t. database/various tools/ system administration etc. Comprising of minimum 50 personal 50% ii. On completion of user training as per requirement (250) - 50% 11 Page 27 : Annexure-III : Bidder Should have supplied, installed and implemented the proposed Big data & analytical solution: a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last one year as on bid submission date. b) Of size of 30 TB and above on the proposed platform, in any Business enterprise ii. PO orders along with satisfactory performance certificates from the clients mentioning: - Scope of the Project - Name of the tool(s) used - Name of the Customer - Role of the Bidder - Implementation Duration - Clearly mentioned the size. Request to kindly modify the clause as: Bidder Should have supplied, installed and implemented the proposed BI or analytical solution: a) In any scheduled commercial bank / financial institution / Public Ltd. Company in India or all over world during last 7 years as on bid submission date. b) Of size of 30 TB and above Database handled, in any Business enterprise ii. PO orders along with satisfactory performance certificates from the clients mentioning: - Scope of the Project - Name of the tool(s) used - Name of the Customer - Role of the Bidder - Implementation Duration Please Refer Corrigendum No 14 12 Page 27 : Annexure-III : In terms of technological Request to kindly modify the clause as: strength, the proposed enterprise end to end solution for big data handling and analytics, should In terms of technological strength, the proposed enterprise end to end solution for data have proven: handling and analytics, should have proven: a) Experience of minimum 2 years including a) Experience of minimum 2 years including consulting and actual implementation and consulting and actual implementation and support support thereafter thereafter b) Security and scalability of the proposed technology. Coverage of entire Organization b) Security and scalability of the proposed and not be restricted to individual departments technology. Coverage of entire Organization and not be restricted to individual departments 13 Page 28 : Annexure-III: The solution provider Request to kindly modify the clause as: company should have at least CMMI (Capability Maturity Model Integration) level 3 certification. The solution provider company should have at least CMMI level 5 certification However, In case the solution provider is not at CMMI level 3 then the solution to be provided should be accompanied by a certificate from a different CMMI level 5 company, who should confirm, based on their evaluation/audit, that the solution provided is in conformity with CMMI level 3 standards. Please Refer Corrigendum No 13 Page 45 of 46

What are the different business verticals (Retail, SME, Wholesale,Corporate,Micro, Solution should include all business verticals in the Islamic banking) in the bank? bank. 1 2 A) Please list all the products under each vertical. B) For each product mentioned under each vertical, list all the IT applications ( CORE & Peripherals). C) List the Solution stack (legacy / new age) for all the CORE and Peripherals listed above and core functionality/ delivery of each of these systems. D) What kind of data output is rendered by each of these systems? E) Does your application cater to multiple regions? If yes, provide the details of time zone, languages & currency supported F) What is the approximate database size in production for each of these systems listed above and expected growth for the next 3 years. G) What is the volume of incremental data growth (in GB) per day from each of these systems listed above? H) Is your data Structured / Semi structured / Unstructured in these application data stores? I) How are the reports being generated currently from these systems? J) What are the technical artifacts (Data Dictionary / ER Model) that are available for each of these systems? K) What are the other systems being used by the bank (HRMS / Payroll / Accounting etc..)? Does the bank want these systems to be in scope for DW & BI? L) Any other new systems which are planned in near future? What are they? What is the bank's vision towards DW & BI? A) What is the timeframe to achieve the vision? B) What are the current problems / pain points of the bank which has to be addressed by DW & BI deployment?, Corrigendum : Please Refer Fresh Added Annexure XIII 3 Is there a classification of generic data and confidential / sensitive data? No classification as on date. How are the confidential / sensitive data currently stored? 4 How do you maintain the Master Data currently? Such as Customer, Product, Master data is maintained at database level only using Profitability, Account Information etc. Master Tables 5 Is integration with Social Media in scope of the DW/BI project. Yes How fast do you need the processing of the existing data for analytics ( descriptive & 5-10 Minutes time lag 6 predictive )? A) Real Time B) Near Real Time C) Non Real Time or D) A combination 7 Do you envision any automated data feeds based on regulatory / compliance / yes enforcement agency requirements? 8 Do you have any technology preference for DW/BI requirement? No 9 Is mobility (enablement of mobile / ipad / other handhelds) considered for dashboards & Yes reports In page no 21 under section Delivery - There is mention that the product has to be delivered to bank with in 3 months after SRS sign off. As timeline is very short for 10 customization, Is there any possiblity of increasing this time line? Page 46 of 46