a.

*"!':

z;

Soutlr Bangla Agriculture

Ancl Cornrnerc Bank Li rn itecl

REQUEST rOR PROPOSAL (RFP)

On

Sanctiorr Screening
Software

and

Problern 6r Incident
Managerrrent Softvvare
April 19, 2015

Issued Blt
South Bangla Agriculture & Commerce Bank Ltd.
lnformation'l'r'chnology Division
Head Office

Sunmoon Star Tower (Level- 101

37, Dilkusha C/A, Dhaka-1000.

RFP

for sqnction Screening & Problem/tncident Manqgement software//SBAC Bqnk

ffi

qTq

st

I
/

5c' u tl"r Eangll.r Agricult!ire

l\ 8-!c! C'(}fl-N !-nerce g;r rn l< Li t-n ire{-t

7. Executive Summary
Bangladesh Financial Intelligence Unit (BFIUI of Bangladesh Bank (Central Bank of Bangladeshl

instructed all the Scheduled Banks and Financial Institutions of Bangiadesh to follolv the
compliance of Freezing Accounts of listed lndividuals or Institutions and 0ther issues under thc
Sanction List of different Resolutions of United Nations Security Council. According to such
statutory requirement, South Bangla Agriculture & Commerce Bank Ltd. ISBAC Bank] intencls to
implement Sanctions Screening Software/System integrating with our Core Banking Soltware
to uphold its technological advancement.
Besides, as per Bangladesh Bank's Guideline for ICT Security ol Banks and Financial Institutions
[FI], ICT functions and operations of a Bank rnust be managed efliciently and effectively, In line

with this Guideiine, we require a Software to log the information system related problerns and
incidents raised by branches and divisions of Head 0lfice. It is needcd to keep track of the
problems and will help to assign the issue to a concerned person to get a quick, effective and
orderly response. As a result, Problem findings and action steps taken during the problern
resolution process shall be documented and it will also facilitate to review and monitor the
in(idents etc.

ln this

regard, SBAC Bank Ltd. is going t0 procure a robust Sanctions Screening and
Problem/l ncident Management Software which will be able to meet all the necessary
requirements to remain compliant.

2. About SBAC Bank Ltd.

South Bangla Agriculture & Commerce Bank Ltd. is one of the new generation Contmercial
banl<s in Bangiadesh which inaugLrrated its operation in 2013. It is the fast growing and
technologically advanced bank among its competitors.
llegistered Name
Corporate H ead Oflice
No. of

Branches

No. of overseas
No. of

Branches

Employee

South Bangla Agriculture & Commerce Bank Limited

I

37, Dill<usha C/A, Dhaka.

34 fThirty Four)

No

Over 500

3. Existing Core Banking Software

Currently SBAC Bank Ltd. is in use of the following Software/System:
Software
Catesorv
Core Banking

Software Name

Vendor Name

OS/Platform

Database

T24 (R12)

Temenos

H P-I JX

jBase

Svstem fCBSI

RFP

for Sanction Screening & Problem/ncident Manqgement Sot'tware//SBAC Bqnk

2 of

5s

;&rp

!..r

t l'r Eang l.a Agriu!ture

Sncl_fo:lnl:""-* ??lk

NB: Participating Vendor has to tal<e

above mentioned CBS.

l-i

i::{

full responsibility to interface and handshake with

the

4. Scope of Work
There is a sct of questions (especially for Sanction Screening Software) attached as
Annexure#1 with this RFP by which the SOW (Scope of Work) will be defined. Participanis
.are recluestecl to put their answers/status in the column named "Response" and use the
column name "Describe in Details" for any comments. In case ofany new development that is
not currently available in the Software, please mention approximate time to deliver the
solution, Based on the answer/status of these requirements/SOW, the proposals wili be
evaluated. In order to lill up the tabular format questionnaire, use the following legends:
Y - Facility already exists
A - Agreed to provide on development
N

- Not supported

5. Customers & Accolades

.
.
.

Please list some prominent existing customers of the offered product and their contact
information along with a scale ol implementation [e.g. volume of transactions processed,
benchnrarl<, etc.]. Are there benchmarl<s available for your product?
Please provide the data volumes and processing times that were used to benchmark
your current System for Real Time Screening and Batch ScreeninB.
Please also provide [if any) details of any independent evaluation conducted against the
offered version of the product.

6. Licensing
.
.
.

Please elaborate on the licensing models supported by your product. Is your product
available as a hosted solution? Ifyes, then whether it is available in the cloud or onsite?
Is the product license perpetual [i.e. license to use even if SLA/AMC contracts expire] or
dependent on ongoing AMC/SLA? Otherwise, is the product licensed for a fixed term and
renewable/auto-renewable with/without additional payment?
PIease share a draft license agreement for your product / service.

7. Implementation & Support

7,1 Software, Hardware & Environmental Pre-requisites:

the platform of the product, Describe the hardware and software

requirements for the proposed solution in terms of compatibility and SBAC Bank's
environment - in particular, operating systems, database systems and message systems
Please describe

environmental requirements for test, deployment, and

operation of the solution considering given volumes; future expandability must be clearly
specified so that relevant cost estimations can be made.

All software, hardware and

RFP

for Sonction Screening & Problem/lncident Mqnagement Software//SBAC Bank

3oJs

d
q

&a-

S.)Lrth Bang la Ag riL! ltu re

A."l {, CoI1"lry!erce tsa.r-! td Lin-!iteci

7.2 Implementation Strategy:

A clear implementation strategy and timeline must be stated to the Banl< covering the
following:

.
'
'
'.

UAT script preparation and execution

Go-live switching and roll-back

Pre-requisite hardware, software and environment

Responsibilitymatrix
Issue escalation

7.3 Training
During implementation, SBAC Bank's staff must be adequately trained for continuous
and smooth operation of the implemented solution. As such, following must be
ad

ressed:

'.
7.4

Technical training to SBAC Bank's lT staff

Operation training to bacl<-office and customer support staff

Ma

uals & Documcntation

Please attach Product Catalogues, User Manuals and necessary documentations.

7.5

Confirmations
Before sign-off of Agreement, the lollowing criteria must be met:

. Any agreement that need to be made with third-parties should be clearly

communicated and executed,
. A Service Level Agreement between the Banl< and the vendor must be executed
belore
7.6 Post

.
.
.
.

Go- Live.

Implemcntation Support

An elaboration of the post-implementation support structure needs to be provided.

What are your processes for providing support against technical issues and what are
the service response levels? What are the hours of operation?
Banl< needs to have a penalty / compensation clause in the relevant service level
agreemcnt ISLAJ to ensure up-to-the- mark response and service in case of support
services against technical issues.
Please share any standard/draft SLA that you may have.
Describe the minor and rnajor release and revision schedules planned for the
product arcl how releases and revisions are distributed.

7.7 Financials

your financial offer/quotation separately for Sanction Screening and

Problern/lncident Management Software in Bangladeshi Taka (BDT) including VAT,
Taxes etc. It should include the following:
Please provide

RFP

aafs

far sanction screening & Problem/ncident Msnqgement saftwore//sBAC Bonk

A;#ei

6
rd * *

e-

-1-

.
.
.
.
.
B.

soLr
ttr t ancr la
,
An(l "- Lol't)lTlLirce

A.griculture
[3;nn k Li r,'] it{,.d

License fee / sign-up fee

Module-wise cost breakdown

Implementationperiod
Recurring lee / annual maintenance lee
Consultant / engineer onsite and oflsite charges

Terms & Conditions

Bidder may submit proposal for both or any one of the Software.
Sealed Quotations for both Sanction Screening and Problem/lncident Managclnont
Software must reach us within 04.00 PM on April 29, 2015.
3. Tenders will be opened on April 29, 2015 at 5:00 PM in presence ofany or all Biclders,
who may choose to remain present. On the day ol opening, only outer envelopes will be
opened to ensure that all 2 inner envelopes [Technical & Financial ProposalJ have been
submitted. To evaluate the proposals thereafter, SBAC Bank will initially open and
evaluate Technical Proposal in details, Later on, Financial Proposal of technically
qualified Bidders will be opened, considered and evaluated.
4. Delivery and Implementation must be made within a period of maximum 4 [Four] weeks
from the date olWork Order.
5. Bidder has to make presentation of the software which must comply with the features
specified in their proposals.
6. Bidder should have adequate experienced manpower to install, implement antl 24X7
support (il required] for the software.
7, Bidder should have the expertise to customize and enhance the features of the software
within the deaclline mutually agreed.
B. SBAC Banl{ Ltd. reserves the right to accept or reject any or all of the offers in full or in
partjal with or without assiBning any reason whatsoever.
1.

2,

Bidder must subnjt the Bids in original in a sealed envelope [Technical and Financial
Proposal separately] which would satisly our requirements and must be addressed at the
following address. Separate envelop with caption of the Software (Sanction Screening and
Problem/lncident Management Software] must be used.
Sottth Banglo Agriculture & Commerce Bank Ltd.
lnlormcttion Tc(h nology Division
Head )JJice
Sunmoon Stor Tc.twer (Level -10)
37, Dilkusha C/A, Dhoko-1000.

Ilyou have any Lluestion or require any additional information, please do not hesitate to contact
us.

Md. Mizan{il Rahman

r Vice President

Sen io

RFP

Md. SHawkat Ali

Deputy Managing Director

for Sonction Screening & Problem/ncident Manqgement Sot'twore//SBAC Bqnk

EI

(6l

3l

(o

t(o

ot

bl

cl
.-t

ct
oJl

0)

el

'41

_q
_o

ct
ol

c\.

cl

(!l

(s

ol

;lot

1l
.{l
+l
el
ll
xl
zl
zl
<l
LIJ

o-

o)

o
-o

c.,

-o
-o
-o

.=

=E
o
<t)

5
(!

Io_

0)

o ct)
(s t
o
-g
(E
o E
c
o
o '.9
(o

-o

'--o
c0)

i!

ui
(D

q)

c.,

_s

c
= o
o)

-o

C)

_9

c..!2

.=

-0)

Cg

,N

('.

_q

q)

LL

0)

'a

_q

(!

c-.

o
co

(g

(g

_e

-o
o o p
_9
(s
E
o = o E
o
(o
ts
o
.C
_q
p
o (E ts
(g E
o
E
-o
o'tf

_q

do)

ut

c)

C)

(s
_q

l
F

a)

(s

o) E
_e

o-

.E

(g
_c

QJ

_9

E
0)

q)

.=

o)

"c,

6
p

a)
(g

-c
E

o
=

o o
q.)

o o o
O o

(s

- =

<l)

o
(D

_q

_q
OJ

o)

.9.
LL

o o
o)
'o
(s
E

ora

=-c

o
-o

o)

o-

lrl
c-.

o)

o
E

E .a
.9
o0)
-o

(g

(o

c)

o_
o_

_c

_g

c..

qJ

o o

==
o9
6c
O(D

c(g

oo_

:,
-o
o
5

(!
-o o
<l)
-o
-o

E
c)

(o<.

s)

co
Qqb;
=o6
.cF(E

0,, R

6.9
t!

_q

- i\l o)
; 6, .>
atrr6

<D

oH
qq

c,

=(g

.sbi
ECo
>-
u)
'rr

E
c)

o;o)

(D
o o)
o _q ii _q
o o oo
o a)
oo) o
o 0.)
o
o
oo oo Oo To Io= O-o
- - L (6f!
-

()

9e

F d-

o E ts E'P
(g
c66
E
a) E
_e
-o c
-o o
o
c
(o
(g
arde
f
E

0)E

>-. E

o)
0.)

_e

c.'

iE

=
E .s

5
c
'6

6'",
oaq
o?;

o_

=
a
a E
l!
'(! a
_e
d) (! .9
(!
e J
E o .= o .!2
(l) E
-q
(o -o o
c)
(o
C

or+

o o co F
(!
C o C. -c
=
o C -9
p(D
o (g
E _9 o
o
E

-o

d)

q)

c)

(!

'=

(E

'=
0)

=C

=E

.E

_e

(g

(g

o
o
O o

o
E
-o

o)

ol
c

.=

(s

'o
o

c
0)
E
(!
o

(g
-o
(o

ta
(!
.g
E -o

o=

ts

(E

(o
(g

(!)

o)

.E

(o

E .E o
o

-9

(D

'o

.9

ls
a

o
(g

r\
CJ

(o

0)

-c
-o

r!

.E
o)

(g
(g

=o

E
ai

-:
'(E

0.)

_q

0)
=

c)

C6

(!

'a

c)

o
o

_q

o)
o)

?l

c)

-o

(g

o
o

ci

CO

c
'6

c-.

o-

O<

EI
(El

3l

-c)

ot
q)

"d
.=t

c.,
-U,

o_

0)

cl
ol
el

-19

o)q

,E

61

ot)

L!

!-.r

ltxl
url
zl
zl

<l

c
.s o

url

c)

fL

E
_a

=
.s)
-c,

=
o
E O

ol U;
F

cc

O E
o c) o
q,)

B
=
_e

.=

.9

_e

.E

0) -c'

E
o
o
(o
c(E

o
=
.q

E
o

o
o

t=-

-ti

E=
o-o

Ep
'oo

E
t=
(E

=
o

Z o')
-=
dr

'-.:y
oc
'6o

a9

-a
c_

-=

@H-

a*
qrF
*:o
-+

d)

.a

(g

I=

-o

=o
(!

o)
_q
-o

_q

o-

.";

o (E
'o E

(o

-q

'c

(o

ii

-r

qc)

"t
E

.9

Io_

o o

o-

a
<l)

-o

-o

00

c)

(D

E
(!

.q

,];

t:c)

c)

(g

i-

.s2

(g

a
(g

c) c' .a

65
g*
_o

.J

_a

-o

o
(o

.E

c
o
t=

c:

I=(g

=(D

3.e ()6

=
a! ae -o

U)

cq)

_q

o .q
E
-o

co

m
()
c

-c)

.Q .-.

E6
o-<

t=
qoJ

.e

_e

(g

(o

C!

o)

c..

(o

Cg

oo 5
'o (o o
=E
a)g)

(s

o=

0.)

.9

o
o
(g
Cg

'c
o

_q

(o

.s

AJ

-o

0.)

.=

l-,

-c.

_q

.q

(E

_c

_s)

p0)
Io_

(s

_q

-o
(E

.q

=
U;

o
.=

o
'o

.9.

Q)

AJ

pc) p

_c

=
LL
(g

Eo

:f

o
p

CS

c(g
c
.9
a
E
o
'o
-'i
= 5 (o
p '6o
.E
-o c
"o .= 'c
o
o

_q

o)

Ui

i
o
o

6h

:o)
ts!2
OP

Io

o
I

CO

o
o
o

(o

(5

o)

c)

E
o

q)cU .a

o)
C)

c
o

o)

o
c)

'(o

.g

(E

o
-o

c=
'(!
<l)

-c:

i
o
o

.q)

E
(E

16

o o
-o
o
=

c
.y2

(s

I
E E

c0

(o

o
= (y
Ltl
q) E
o J
o
o- =
C)
(g
c
o
-o
= .9
LU
(E
o)
.q)

(g

=
o-

_.(E

o
-E

E o
c)
ol

o)

.a

.=

_e

.o .9 .=
0.)

'=

(E

(E

ttc

c--

(U

rtl

'cC
5
-o

(E

dl

ol

ol
=l
1l

(D

-c

.q

.q

ol

-o

c)

(g

?t

(!

o')

.E

o
c)

=
o

cl
ol

.9
-o

<c
tt

c)

_c

o)

c)

o
'o
o
I

_q

(D

(E

E I
o
o
o_ o_
o_

-o
=

(D

I Io_

.c.

-o

-c

()(g

o oo

EI
(El

3l

'41
b4

ct

'-l

qJ

drl

EI

o
o

(o

!rl
(4l

cl
ot

:l

0)

.61

:lol
:iol
il.il
tl

xl
IJJ
zl
zl

<l

.g

=
o

CE

.+
"C

E
(!

-c

--J

c'.

'=

.o
o'i

o
5

.g
Q)

q)

-o
(o

.a
o)

(o

lt

o
d,a

Io_
c!

C_

ct
p

.9

.N;
(g=

_c

(J6

B=
;1(o

o
o

.q

_q

O;

(!

(s
_9

CO

(g

ay)

E.e

.=

69
=o)

-P
dd

Eq

3z

O;

4=
e9

-o

=
:o

o
o
o)

rsa
e
o
o

3E o

l! o)
(oq)
.te

!?

>-

,,8

"c

._E

'tf

oE o_c o
o
E
-o
=

=o
o(!

ot

(s

(o

<)

_c

(DE

0)

.t!)

c)

Yo)

o _9;

s*

(lJ

<r .\j

or

f ii o9 o
.E

o(r:rE:o
(r(/)(6tr0J
(-)

c! or
P 6*
o(g-=
-o c E lE o
as .r !:/ v t:
!.o(l)j:Y0)

9:-A
EE
6r'r=

3 F,ti<- L
I >-.+

-^v)!.1

5 >.9

-q E-

O+:
r:
rao<lJF- -coroY?=
'eaY!>
ctF
d\ l? dr
E F -6 -o 'o

OP9<E

c
E

(D

LU

E o-9 s

co.- o)*
xoFo\l
a;o(otYy

=
'__->o
crE;i(D^

cc)

=!Ebl
6)!-9.4

n d d;-::- Lii
ti -o,
c,Yx u ;
o

o
o

o)
(o

(D

5
-o

o
E=

F-

U;

o)

<)

.sl

(!
=a

.=
_q

(D

c
(!

.9
.=

-c
.=

CO

c..

o_

.!)

(g

c.r

E
(s
(E

9o-6

_e

._L

>z'

:*oX(
36qro

)i

LU

tg

_q

=(g

(DE

0.)

c-.

(s

(!

0.)

(g

oc)

!c

=:

_q

c)

(!

-c

.rt

o)
-o

=
o

c)

-o
'c

-c

-E

=c)

--EHr

(E

_q

q)

c)

.9

Irl
rlJI
dl

(!
o)

c')
c)

PP33
6:9E
.!2ii::
-oE 6 !

(g

-o

0,

0.)

-o

_c

.e
_9

EB eP '-c o=

E5;
(o==('

9
CJ

c.)

(!

oJ -:- -

aJ=

ip
?

(!:;L!

'ii

(D

o)

-a
-9ii6a
= >ts6_aE
I6

c)

Lt_l

b{"
LL

()

ft:
.=

"c
o)

-o

oo
untlre

@ ,E\\
."i

r\=. \

(l)

o
o.
EI

tE

B =*s

Y4.

seg!1iS

rEl

3l

-o

dl
ol

F
-o
c
(g

r/,1

b4

ct

cl

o)

,E

o)
(y
.g

'a

<lJ

0Jl

(l)l

bl

q,)

E
(o

c)

t-

o)

-o

l3
ldl

-o

cl

tr-

{lol
.-rl

U;

E
o
L

1l
ttl

=l
xl
r!l

zl
zl

<l

L.L

(E

LU

o-

J(s

''<)

_e

(tr

E
o
q) _a
LL
(D

(o

(!

.9

c..

q)

Eo

(E

o p E

=
E

c c..
0)
oc
.oQ

6
(o

(D

-o

d)

cE
Co(g ot
()L
at
J

U)

l'-

'al

'6

o.)

a
c

(5l

ts

a(o

=
=

a
O

(!

(,6
o
(D
.,t >-o
oco
5

z.

'c

c)
t=

E
CO

qJ

'o

q.)

-o

(o
o c
a
o
L.L
o .E
c!o _9
o

_q

c.)

!
E

aa

-io
el
9;
9l
=
",1
al

- ;
?t

=l o

-t(Dl

_cl

i-i

al

u)l u)l
d,t
c,

_o
_o

o)

'6

c
a

E
(g

=1 |.-l
()l

:l

.a

(! po

c.,

<D

c
d

6
't6

o
E
(E
o
c

0)

.g

_c

LL

o)

,=

(!

-o
m
c o c
.9 .9
.g
o -o
E
(g
a
o
p 0)(g
s
(D
o d)
=
.E

0.)

(g
o)

(s

a)

?a

=r!
-(,
N'O

9a

co

=l
6t

q)

=l
-t
9l
ct

i6
a:LU
(g-

(D

.o

ro

et

(!
E
()

-r

J
o

_q

(g

i5

c E

al >t
o_l

_ql

El FI
EI FI
ol
q'l 1;l

al

C.

GI a'l
crl

el

E.
:,
_o
E
E
qJ

E<
AP

$o

-l
(5l (trl (El (0l 3l =P
(Eo EI
(J (J ()l ()l ()l () ol IF

:l :l :l

Ir

(D

.l

*l

EI =
-ol

O,,D
9
q

ar
F-

=_l
a5t

o
9t
ol oc.

PI

sl
ol

-l

F-

!2 -o

oo
l'

o
o
c)
_c
^.

CO

Oc

-o

Cg

o
o

.!2

si;
Fts
6A

'(E

E
-o
(!

E
o.r

.;a
o

o
o)

=l
EI
ol (ol
FI
.!l al
cl

al
.Jl

;l
:t

(!5
o)O
'; -o
P-o
6=
9>.
o:

(Dl

-_e II=l =l -J
|..-

(g

()

CJ

..,-

o.P
=c')

o
_a

o
co

t-

o)
-c,

3l Eo
t
-t o

(o

o,

hl u)l
o,I

_c
at

0)

.9)

el

'o

'.

:l :ii;to)l Ao)

-e

o
-o

_o

0.)

.9

(E

oil
c')
EOo,
o
o.9
.!!l
c

q)

.q,

.g

.q

(o

(g

o
=
=a
t
o

-o

E
o)
E

c)

(!

() c.,
ol
CS

c(D o
hi.> =
ii: a>
a9 F6
o<

sl

q)
(o

(g

.=
.g

o
o

ol

.a
c,.

t-

=o

E
o
o_

(l)

(o

z.

>-.

C!

0l

.a

o_

o)

o)

o_

co

(!

(!

c
o
(!
'>

o
:o

IJJ

U)

;lot
+rl

.=
(E

:2
(g

IE
lo

LU

ol

c)

o-r

_e

CI

'o

t9
l!
I

t-

|..-

t-

-6

qJ

"tf

;
o

o
oo

EI

(El

3l
ol
t^l
b4
ct

ol

;t
ot
dl

ll
xl
zl
zt
<l

tlE

l:l=

13
lp

lor
llr

llE
ll.=

cl II :I

ol

qlEl

EISI

lsl
l=l

=
-.9

s
E

9
lc- I cr
()
lql
tEt -lr
(D
l-l
lml .c
lllq,l
I

or

i;

lsl
to
lol
lt-l
la)l

ar

l=l B
lEl
lal ;
t:t
J
a

llt!)
lo)
l-=

l.=l
l.=l

IP
llE

o)
(g

I6I
I >.1 *l
t=t

lEl
gI

sl:tlul
EIE
Xl(U
ol

; lEl
l;i

l*l
co =
d)l(1)l

;lE 9l<l
el<llEl

IE lo
E

oJ

(!

o Ul o.l
<: ?l E

Flo,
:l-9
ol TlSl

9l EI o l o
ot
q,.5 1 o)
o.,

;l

a+l

lel
l< I

c)

fleEl;l ol r)l -5t

F-

l'.-

F-l

'6
c\,

orl

l!I

CI

l=il
tc

'=

ccl)

ld

(Ij

co

q)

>l .=
(g

6'l :0) l3
lP.El o

.a

fil

ul
il qt
ul
sl

il -l

t-

(!

ijl
N
1", lEl
-t 5ldl ':l
'o,l
^.t>t-pt
cl
lj
lF
El
Pl
ol cl 9l '-l
6
ILL
.. I )al13
_q
)l!l
3l
3
(g
-i
8l ol
el:l'!:l
ct l=
tqJ cl
-t
-l
olol>l
sl
=l
ol9lFl
;l dl .rl El E
=E leel
{Jl
l;51 Eo
(El
g
EtctEt =t
tE-Et
=l=lHl
elblol
#
lo) "l
c,I ;l ol
qt,Etot EI
ol -ol PI
i
lE gl =
=l
ol
+ lE
lPSl
6t >t @t ;l 9l
gl 6
-ol J=o
El
s lElsl (ol sl
o)
c)l q)l
_o
lqel
-ol S
a
E le l.3l -t:l i;l
l'o
6l
>-. l.).rl
ol
hl
c)
rlelFl
c, c,I ol
o,
la6l
9l
sls'l irl sl
l rl(l)l +c Ilr-lqJ +
-l at 3l cl o.) l*cl
oJlclcl
oll(\ll
sl ol (gl O l-I (o (Dl
F

-l()l()l

(tr

0)

;l I E lgsl
IE
(Ir IlgEl
(tr
'Et I
=l
I

ol

(Jl

l(-)El

I e l;e

(!l ol
PI

>

_q

ld)

.9

III -oea le"

l'o
lh.g

o
c
EI
-o
al
(g

Illlitt-

le

I a) lo

I
FI o
-o

c')

Iel:l
t-tct
:l .ql orl

(l)lor
(E|(E
,_t E .-t*
=l o

* !l

:
II l9l
nl
lc. lr|
lol(/Jl
o)l LLI
l>l
lol(El
el =l
ol el
-ol
dl

al
>l .9

(o

-t6

lldr
1(rl

l;l-lO lo)
le
Il-- 6 t3
la
II -:z
E t^IE
llg
I o, l=

q)

a)

rl
El;El9l
(4l> d) luJ :l

r\

u2

IK I.E

(E II Ft
-l ol =
El0)l

i;lX-olql

(g

l-lI c

c-.

uJ

| 6
II !d)

-c

glgil:l
EI
'+

ol o
-=t
'iilx o

o.-

lq l:
el
o
El

CI
HIE
al J ol=l

Els

=o)

l6l
=l-P l=l -<l
(gl

sl

I
I

q.)

El: l;
sl

lE

t+
lo)

l-o
l;i
II < r l_
lF:
I < t-

O
L
o
p
o

l.'
,6 E
|

16

clcr
6l:
El
l=
'-l
I :
EIff
OlHl I
Etol-:l
olEl

Ill-

It6

u-

l? lp
il<
l(D
lo)
lF
lt=
IE
lE
p ls l-o
lc
lu,
loJ
lc
l=lt^

I
lC.
I
d)
lolo
I
6
l-olrli
I
.Il

llo

lE

tt-

'41

llE
tt:

tt
tt

1(rl

l13
ll{
llt
IIcr,

?t

l*

ttE
tl

cl
ol

+rl

th

tt:
tt;

cl
ol
9l
ul
l/)l
ct
ol

||

llc..

tp

lloi

E
o

o-

=
o
(D

oo

EI
(El

3l
ol

'/)l
od

ct

6t

9l

(g

trJ

dl

o;
6o
-o=
-o
oo

lJll

zl
zt
<l

f
O

o
q)

-c

o_c
t=,
OQ
=-o
-o=

co

.q)
q)

c.)

_o

(!

69

;p

-o

coc

RA

o
o

\(g

dr

@P

E
(g

q)

'-

oq
o.!2

.9

Fti
d)

.=

c)
-g .!? ^. -o

Y!
ts=P-o

P -)6

c)
o.)

(s

o.r

<l)

_q
C!

e9;

.g

3b

_s

I >. .9 EP
ii +o,

OJ

(E

-o) "cj

cooJ
-o)

.e

a,a
6
=

(g

o)

.sl
e':

BE
.!2

(o
c\.

)a

i44

d L

0)
(g

co

c'.

_q

?
c
o

c(D

)-X

'ct

p(g
(d

(! 0.)
-. -c
*c
(l)(o

". .g

-9-

EE
t")
=

o(D

-qR

OJ

-o _o_
a
-c
.q
-c t- -o

0)

4)

(E

q)

p c\l
o "o
o (g
c .s)
E
<D
o -o
E (g
o

(D

(g

:o
'=

.9

q)

Q)

o
o o
E

o)

6c

(E

a
Lla
=
@
@

(J

(E

(D

o c _q
o

-o

aa

.9

a o

(D

so

E E
.=
'(!
(!
-o .!l
c'i
_q _e E -o
= o
-o
,g
(g
(!
c)

.=

0)

0)

(g

c)

o
o

a
o

'tI
C

c (o (o E
_c
(g
= o .9 '=
E=
-I o) -qo c)
o
.9 c) E
o
2
'6 ()
o_
=
=
o_ o
E E
E
=
.=
o o
o E
o
o
c
.g
.E
o
'6
q)

.=

c)

o
.s .g o -c
o
. c
J
(E
Jaa

_q

(E

I U'

c
E

-o

o
.E

(tr

LL

q)

c-.

.a

F--

q)

oP

E
(g

g -u) obi
o -o(D
.+(!
rg
(6
5c)
E
o
i!' t,) o o o) (!
.!2
EC
OQ
I
o?
*6
o
o
q)
I

-c6

--

.9

to

3E

'iq

o
(!
E
E

6u)

qJ

o)

.eE
E=
o-E
p9

PE

CS

-ci

>_q
-Q

EE
o-

T>

c)

o
,c

r..

5s 'dr

c_c
Eio J'

_q
-6

P(O
O-o

c-.

o)

-c

c :-- q,H

4)6

()

"o

E=

:o

li=
o

i:

o!

o)

flxl

O-c

o-

ot

ol
=t
1l
.rl

PI

?l
ol
+l

.E

(D

;lEI
cl
ol

o
-o

'6
CI

_q

To

(! -q

-e
CO

o o

0)

_q

oo ()

<t)

0,,

-o

oc,

o-

d
EI

.6l

BI

ol
'/rl
b{
.=t

ttt!

I I tk
I I ls
ls

II

cl

oJl

I trl I I

EI

ul
cl
ol
.-l
l/)l

II lEl
lPl
I l;l
ttct

cl

(!l

'rl

lqlS

loii6 l9

I l9l

ol
=l

tl-rl

I lolc
.lE lgl
tt-ti l 5l . l.e
;tatHtE
l?li
ol lo li rlg lH l*
el lBli il lE lE
I I lr I i.'lE

-l

tl
rl
xl
uJI

Hl
orl

zl
zt
<i

lll*
I
l^tbta

liil.eln,
II l.)ll=i
llE lb
l-l

ol
!Fl

rir

l3

lE
lo li
l'

l lii I c llel;16
., l- l-olc i,ltd I o I 9

:l:l:16
$lElgl* :lslEl$
-El:lElI

,lF
lS ld 'a
llolFl(5
lslgItr ils lA ?
lE lts l> )l l:6l.s
cs

lslElE

P)l

lFl=l:

=
E

ln l: lE lstgtE
l= l6ll Ii 19lo co
l=
l3l.E 't;
t: t; F
l(l)l(!lc"
lcl-olE

l=l=lo)
o
lTlelli lH l-c
l6lQlE
F
I E lg 6
lgl, lslqlsE
l=l(/)ic
',;
lE If l* lSls le
iEl3l6
ls lE ls l lfl E
<.

lE
lE

lo lo lL
J

U)

lflslf
o
c!

c!