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Contract #: 007810 - From: To: - MCC - Town of North Andover
SUPPLEMENT "S" 1. L_Ris fOT supplements the general provisions of the Contract between the Town of North Andover, and /1V , which Contract is a contract for the procurement of services. 2. "Services" shall mean furnishing of labor, time, or effort by the Contractor. This term shall not include employment agreements, collective bargaining agreements, or grant agreements. 3. Change Orders: Change orders for contracts subject to Massachusetts General laws Chapter 30B may not increase the quantity of services by more than twenty-five (25%) per cent, in compliance with General Laws Chapter 30B, §13. 4. Minimum Wage/Prevailing Wage; The Contractor will carry out the obligations of this Contract in full compliance with all of the requirements imposed by or pursuant to General Laws Chapter 151, § 1, et seq. (Minimum Wage Law) and any executive orders, rules, regulations, and requirements of the Commonwealth of Massachusetts as they may from time to time be amended. The Contractor will at all times comply with the wage rates as determined by the Commissioner of the Department of Labor and Industries, under the provisions of General Laws Chapter 149, 26 to 27D (Prevailing Wage), as shall be in force and as amended. Insurance: The Contractor shall obtain and maintain the following insurance: 5.1 Workers Compensation Insurance of the scope and amount required by the laws of the Commonwealth of Massachusetts. 5.2.1 Broad Form Commercial General Liability coverage with limits of at least $1 Million per occurrence and $3 Million aggregate, and which shall cover bodily injury, death, or property damage arising out of the work. 5.3 Automobile Liability Coverage, including coverage for owned, hired, or borrowed vehicles with limits of ac least $1 Mii lion per person, and $1 Million per accident. 5.4 The intent of the Specifications regarding insurance is to specify minimum coverage and minimum limits of liability acceptable under the Contract. However, it shall be the Contractor's responsibility to purchase and maintain insurance of such character and in such amounts as will adequately protect it and the Town from and against all claims, damages, losses and expenses resulting from exposure to any casualty liability in the performance of the work. 5.5 All required insurance shall be certified by a duly authorized representative of the insurers on the "MIIA" or "ACORD" Certificate of Insurance form incorporated into and made a part of this agreement. Properly executed certificates signifying adequate coverage in effect for the duration of the contract with renewal certificates issued not less than 30 days prior to (Rev 5-2007) Supplement "S" to Contract between the Town of North Andover Page 1 and expiration of a policy period, must be submitted to the Town prior to commencement of this Agreement. 5.6 The Town shall be named as an additional insured on the above referenced liability policies, and the Contractor's insurance shall be the primary coverage. The cost of such insurance, including required endorsements or amendments, shall be the sole responsibility of the Contractor. 6. Indemnification: The Contractor shall indemnify, defend and save harmless the Town, its officers, agents and employees from and against any and all damages, liabilities, actions, suits, proceedings, claims, demands, losses, costs, expenses, recoveries and judgments of every nature and description (including reasonable attorneys' fees) brought or recovered against them that may arise in whole or in part out of or in connection with the work being performed or to be performed, or out of any act or omission by the Contractor, its employees, agents, subcontractors, material men, and anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable, regardless of whether or not it is caused in part by any party indemnified hereunder. The Contractor further agrees to reimburse the Town for damage to its property caused by Contractor, its employees, agents, subcontractors or material men, and anyone directly or indirectly or indirectly employed by any of them or anyone for whose acts any of them may be liable, including damages caused by his, its or their use of faulty, defective or unsuitable material or equipment, unless the damage is caused by the Town's gross negligence or willful misconduct. The existence of insurance shall in no way limit the scope of this indemnification. APPROVED AS TO FORM ONLY: TOWN OF NORTH ANDOVER Town Counsel Town Manager I CERTIFY THAT FUNDS ARE AVAILABLE IN ACCOUNT NO Department/Division Head Town Accountant THE Date: (Rev 5-2007) Supplement "S" to Contract between the Town of North Andover and Page 2 --TV AUG 1 2010 (YvK i r, AJWw V RFP Response: On -Line Bill Pay Services MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 ORIGINAL Proposal Document Enclosed MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 TOWN OF NORTH ANDOVER, MA Request For Proposal On -Line Bill Pay Service MCC continues to be the only company providing a "one source" solution to meet the growing demands placed on Municipalities for their information. The versatility of eBill allows you to display any bill online to your residents. Currently, bill payers of participating cities and towns are paying such bills as Real Estate / Personal Property Tax, Excise Tax, Water/Sewer, Parking Tickets, Permits, Trash Fees, Park & Recreation, School fees, any bill. Your bill payers will have one online location to pay all their Municipal bills. They can review their online payment history, receive email notifications when bills are available online, and pay bills using multiple payment methods. All Tax Services, Banks, Mortgage Companies, Title Companies, etc. have one online location where they can research, remit and receive your verified Real Estate Tax information. With MCC's services they will have the ability to manage all their accounts using portfolio manager, search tools, custom reports, and file exports. MCC's One Source approach helps you decrease the amount of time spent on tax requests received by mail, phone, fax and email. Our goal is to extend and enhance your current capabilities while working in harmony with your current systems, approaches, and vendors. MCC eBill Metropolitan Communication, LLC (MCC) has been providing online bill payment/processing solutions to Municipalities since 2002. Currently we are servicing over 120 Municipalities in and around the New England area (client list enclosed); 87 of those clients are in Massachusetts. MCC's offers payments to be made by ACH and all 4 major Credit Cards (bill types restrictions may apply). The Town can also use eBill to streamline their bulk escrow processing by offering an online outlet to their Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) Page 1 of 8 MCC Scope of Work: A. Functionality 1. MCC uses only the most up-to-date security technology: Payment Security eBill ACH and Credit Card processing implements the highest standards in payment information security. There are numerous components which helps to assure the security and accuracy of payment transaction Data Information MCC stores additional information with every transaction to create an audit trail which includes information such as user ID, transaction date and time, and status. This style of information is available for Billers and Bill Payers to verify payments. Transaction Standards eBill adheres to standards and guidelines set forth by NEACH (New England Automated Clearing House) and NACHA (National Automated Clearing House Association), as well as our participating Credit Card companies. Systems Monitoring MCC constantly monitors and logs its users' experience to verify that all users are accessing information properly. This helps safeguard against those who may try to inappropriately obtain bill or payment information. Third Party Auditinq eBill payments are routed through the Biller and ACH Bank along with participating Credit Card companies. This allows for additional transaction history records to be filed with these companies for eBill auditing purposes. PCI and PABP/PA-DSS MCC is currently in the process of working with a new credit card processor to assure that we are up-to-date with the most current credit card security and standards. PCI are security standards for an application, while PABP/PA-DSS concerns a network security. VISA has required, by July 2010, all merchants must be PABP/PA-DSS compliant (you should already be PCI complaint to offer credit cards online, which MCC is. Certificate enclosed.) In the past several months all other credit card companies have also adopted these standards. MCC is PABP/PA-DSS certified. Web Security At MCC, we are committed to protecting your information. We take many precautions to ensure all of your information is stored and processed safely and securely. Firewalls All data transmitted through the eBill website is stored behind an ICSA Certified firewall where every measure is taken to ensure the safety and security of users' information. Thwate Certified This certification allows us to utilize SSL security and ensures that our site is authentic. 128 -bit SSL Encryption We employ powerful 128 -bit encryption technology and Secure Socket Layers (SSL) in Page 2 of 8 MCC all areas where your personal identity is required. All transaction information is processed under encrypted channels. Restricted Access Access to confidential information is restricted to authorized personnel within our company to provide maxim security to all account information. IP Manager Billers and ACH Banks have the ability to set the IP Addresses of their users' computers. This allows only certain computers to have access to the eBill site, denying the ability for people to login from computers that are not designated as safe. Offsite Backup All information is backed up daily and kept at an offsite storage area. This storage area is accessed only by Principal Members of MCC. 2. MCC offers payments to be made by ACH, (electronic check-savings/checking account) MasterCard, Discover, AMEX, VISA (VISA may only be used for Tax Payments.) Charges totaling over $100 will be approximately 3% of the payment. The minimum convenience fee for using a credit card for payments under $100 will range from $1 to approximately $4 dollars. To make a payment via ACH the convenience fee is $0.25 per bill, per transaction. All payment method convenience fees are passed on to the Bill Payer as a separate transaction; they are not combined with the Towns amount and the Town will not see the convenience fee on any reporting made available under eBill. We advice our Bill Payer clients to use the Payment Calculator found on our website to calculate their convenience fees before moving forward with registration or submission of payment. 3. MCC will create merchant accounts for the Town so they make process credit card payments. MCC separates deposits by payment type (ACH and Credit Cards) and bill type (Municipal Tax, Excise, Utility, etc.) allowing for easy reconciliation. 4. All transactional convenience fees (Credit Card and ACH) are paid by the Bill Payer (resident, consumer.) 5. All convenience fees are processed as separate and unique transactions and are not imbedded in the total amount paid. All transactions made online are shown on the Bill Payers statement as two (2) line items. The first transaction item will display the Town's name, the type of payment they submitted, i.e. Municipal Tax, Excise Tax, Utility, etc. and the dollar amount going to the Town. The second will show MCC convenience fee and the amount. 6. All Credit Card payments are processed in a real-time authorization. As soon as the Bill Payer clicks on the "Agree & Submit" button MCC and the Merchant Credit Card Processor verify and authorize the credit card information the Bill Payer has entered online. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Page 3 of 8 MCC Routing Number database for correctness. If the Bill Payer enters an incorrect Routing number they will be notified online and asked to reenter their Routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. 7. MCC sends the Bill Payer a payment confirmation email after the payment has been submitted online, per bill. This confirmation number can also be found under the Bill Payer's Payment History. 8. MCC understands and adheres to the Town's peak billing schedule and assures that the online bill payment system will be up and running to its' best abilities. 9. To make a payment on MCC's site Bill Payers must register for an eBill account and then log into that account using a valid email address or username and password. Registering and creating an eBill account assures that all payments being made online can be tracked by the Town and MCC. 10. Should a credit card chargeback or ACH failure occur MCC notifies the Bill Payer and the Town of it's details. MCC works with all parties concerned to assure the chargeback and/or failure is resolved. 11. MCC's Biller Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation (all reports are accessible via the web.) The Payment Report provides real time, instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 12. In addition to payment confirmation numbers, all transactions made online are assigned a unique, non -sequential eBill number for tracking purposes. Internally, MCC also utilizes tracking mechanisms and audit trails that protect against fraudulent activity. ACH payments made on a given day are assigned an ACH File ID, allowing for the Town to match and reconcile online payments with the deposits hitting the Town's bank account. This ACH file ID is accessible to the Town via various online reports. 13. MCC works with the Town's internal collection vendor. The posting/payment file sent to the Town will be in the Town's Collection Vendor's format. MCC also allows the Town to offer online bill payment with seamless integration into the Town's website, utilizing MCC's True Virtual Host, (TVH document enclosed.) 14. MCC offers a Payment Cart feature that allows for Bill Payers to pay multiple bills at once. The Bill Payer can search for each bill individually, add each bill to their Payment Page 4 of 8 MCC Cart and finally "check-out" and make their payment. Each bill will show as separate transactions on their bank or credit card statement. 15. Both the Bill Payer and Town have access to detailed online reporting. The Bill Payer has access to their Payment Report which stores a history and payment details/dates of all payments made online. MCC's Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation. The Payment Report provides real time, instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 16. The Bill Payer has the ability to search by specific details for each bill type: Real Estate / Personal Property- Bill Number, Assessed Owner, Prop. Location Utili - Bill Number, Service Location, Account Number Motor Vehicle Excise- Plate Number, Bill Number 17. MCC allows Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) to electronically research real estate tax information, report taxes owed and remit payments on behalf on property owners for the City. MCC's Bill Processor services provide Tax Collection Office's the ability to streamline their bulk collection process by implementing a web -based solution. MCC's Bill Processor benefits and highlights include: ■ Tax Collection Office is virtual; 24/7 to your Bill Processors ■ Reduces research time to locate appropriate bills ■ Reduces phone calls and walk-ins made to the Tax Collection Office ■ A "one-stop shop" for Bill Processors to obtain and return files ■ Receive payment files electronically in a format that can be imported into the City's system ■ Decreases manual data entry time to enter bill payment information ■ Decreases manual data entry errors during research and data entry time ■ Decreases the time it takes to correct inaccurate information being sent to the Tax Collection Office ■ Have access to online reports of current and past data ■ Back-up your data online • Use MCC's Customer Support team as an extension to your Tax Collection Office 18. MCC's Virtual Hosting capability allows the Town to offer bill paying (eBill) with seamless integration into the Town's website. Even though the Virtual Hosting website has a similar appearance to the Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. As an eBill Premier client, should changes need to be made to the Town's website, MCC will make the appropriate updates to the Register and Login link at no cost to the Town. Page 5 of 8 MCC 19. MCC provides many services/products designed to meet the specific needs of various Town departments/organizations. B. Payment Validation 1. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Routing Number database for correctness. If the Bill Payer enters an incorrect routing number they will be notified online and asked to reenter their routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. 2. See above 3. When making a credit card payment all information being entered by the Bill Payer is validated and authorized in real-time i.e. name on card, billing address, credit card number, and expiration date. C. Payment Processing 1. MCC batches Credit Card payments per day, per bill type (Real Estate Tax, Utility, Excise, etc.,) per payment type (AMEX, MasterCard, Discover, VISA.) Funds are deposited into the Town's bank account of choice. 2. MCC batches all ACH payments made on a given day and deposits the funds into the Town's bank account. Each ACH batch deposited into the Town's bank account is assigned a unique ACH File ID (shown in the description field on the Town's bank statement along with the bill type i.e. Municipal tax, Excise, Utility, etc.) that corresponds to the Payment/Posting file on eBill. The Town has the ability to view and print the details of the Posting file online. The Posting file contains a Unique identifier i.e. Account number and/or bill number so the Town can easily post the online payment into Town's Collection System. 3. MCC's ACH process begins at 8AM every business day. Payments made the day before and before 8AM will be made available to the Town the following business day. 4. All Credit Card payments are authorized in real-time and processed by midnight on the payment date. The payment settles within 2-3 business days, depending on card type and made available to the Town. Page 6 of 8 MCC 5. MCC is electronically notified by the Town's Bank of any ACH failures or NOC's. MCC will send the Bill Payer an email notification with the details of the failed payment. Any saved bank information the Bill Payer has stored under their eBill account is deleted. The Town is also sent an email notification with the details of the failed payment and the record of the payment within the Posting file is deleted. Furthermore, the payment is noted as "failed" on the Town's Payment Report. D. Reports eBill provides the Town with a Payment report which is real-time and instantaneous, as soon as a Bill Payer submits their payment it is shown on the Payment Report. Totals are provided at the bottom of each page of the Payment Report: total amount for ACH, Credit Card and grand totals. This report is also exportable into PDF, EXCEL, and WORD. This report is sortable by clicking on the column's heading. Under the Payment Report the Town is able to submit a date range or search by the individual Bill Payers name or ACH File ID. In addition to the Payment Report, MCC provides the Town with a Receive Files page which displays all deposits being made into the Town's bank account(s). By clicking on the File Name the Town is able to view a detailed report of the individual payments within the file/batch. Also, from the Receive Files page, as an added feature to the Town and the Bill Payer, the Town is able to send each Bill Payer, apart of the batch, an email stating that the Town has received and posted their payment. E. Training and Customer & Technical Support MCC can provide training and demos onsite and online. With eBill, MCC provides live customer support to the Town as well as the Town's Bill Payers M -F, 9AM-5PM. On weekends all customer support related questions are answered via email the first returning business day. MCC Also has various documents to assist the Town, they can be provided upon req uest. F. Project Schedule eBill for the Town can be implemented and go live before January 1, 2010. MCC will work with the Town throughout the setup process assuring that all date requirements are met. Page 7 of 8 MCC Minimum Criteria/Qualifications A. MCC was established in 1992 and incorporated in 2002. B. MCC has 118 eBill clients and 8 eSchool clients. See attached Client List. C. eBill Client Contact Phone # Client Since Newburyport MA Mark Kavanagh 978-465-4472 2009 Duxbury MA Tom Connolly 781-934-1100 2007 Malden MA Gina Sheridan 781-397-7090 2008 Q eBill Client Contact Phone # Client Since Pittsfield MA Marilyn Sheehan 413-499-9422 2006 Dracut MA Debbie Barton 978-452-1801 2002 Tewksbury MA Lorraine Langlois 978-640-4340 2006 Marlborough MA Debbie Puleo 508-460-3735 2001 Marshfield MA Nancy Holt 781-834-5544 2006 E. Please refer to the enclosed table labeled Vendor List F. Pricing enclosed in sealed envelope labeled "Pricing Proposal' G. Within RFP Proposal Signature: Anita Peterson Marketing/Sales Manager MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 Page 8 of 8 MCC MCC eBill Premier Pricing Schedule North Andover MA August 3, 2010 eBill Premier Setup Cost Annual Cost Setup $500:88 ■ eBill Premier (Bill Payer and Bill Processor) ■ Minimum 4 escrow remitting Bill Processors per Waived: eBill Premier - installment Minimum 4 escrow remitting Bill ■ eBill Account Setup Processors per ■ Import/Export file setup installment ■ Website integration / MCC True Virtual Host ■ Credit Card Setup o DBA accounts (credit card merchant number) ■ ACH Setup o Automatic / electronic deposits o Bank Setup ■ Online and onsite training Annual cost $7-50:00 ■ Maintenance ■ Hosting Waived: eBill Premier- ■ Customer support (email and phone) Minimum 4 escrow remitting Bill Processors o Resident per installment o Collection Office ■ Version upgrades ■ True Virtual Host: $125 (Waived if Advertising Campaign is displayed) Additional costs: To Bill Payers ■ Credit Card: Percentage fee: Charges totaling over $100 will be approximately 3% of the payment. The minimum convenience fee for using a credit card for payments under $100 will range from $1 to approximately $4 dollars. • ACH Fees: $0.25 per fee, per transaction *Fees to Bill Payers can be incurred by Municipality Total Setup Cost: 1 $0 Total Annual Cost: 1 1 $0 -Custom Development: A cost may be charged for custom development work / hours. This cost will be discussed with the Municipality prior to charges. -Custom development for new file/bill type setup: $250.00 — $500.00. This cost will be discussed with the Municipality prior to charges. -Add-ons with hardware may include but are not excluded to configuration costs, maintenance costs and incidental costs. Hardware costs are subject to change according to market prices. -Changes to Municipalities website / TVH or Bank may incur setup / development costs. -MCC offers discount options to Billers. Please contact your MCC Representative to find out more. -All fees are non-refundable Biller Initials: Date: By initializing the MCC Pricing Schedule the Biller accepts the proposed costs and would like to move forward with the aforementioned services/products. MCC will send you an agreement that will include this Pricing Schedule. MCC 2 Mount Royal Ave Suite 310 Marlborough, MA 01752 P: (508) 460-6000 F: (508) 460-6050 www.mcc.net MCC PREMIER AGREEMENT THIS AGREEMENT made this day of October, in the year two thousand ten, by and between METROPOLITAN COMMUNICATIONS, LLC, having a principal place of business at 2 Mount Royal Avenue, Suite 310, Marlborough, Massachusetts, 01752, hereinafter called "MCC", and the TOWN OF NORTH ANDOVER, with a usual place of business at 120 Main Street, North Andover, Massachusetts, 01845, hereinafter called the "Biller". WHEREAS the Biller has requested to utilize MCC's service, eBill Premier, for purposes of distributing and processing information for Bill Processors and/or accepting online payments from Bill Payers. These online payments are for, but are not limited to: Real Estate Tax, Personal Property Tax, Excise Tax, and Utilities. WHEREAS in consideration of the mutual promises contained herein, the acceptance of Bill Payer terms and conditions, both parties agree as follows: 1. Information (A) All information given is from the best sources at present available to the Biller and MCC. (B) The Biller or Biller Vendor will transmit files containing bill information via web to MCC for processing, distributing and verification as requested by both parties. (C) In the event any file transmitted by the Biller or Biller Vendor does not contain Total Due field, MCC will calculate a total due based upon file data supplied. MCC is not liable for miscalculated total due amounts displayed to Bill Payers for purposes of paying bills online using eBill. (D) Payments will be made through MCC to accounts as Biller indicated either by Automated Clearing House "ACH" and/or by Credit/Debit Card payments. (E) MCC or the Biller may determine to include or eliminate available payment types, as it deems necessary upon thirty (30) days written notice to either party. MCC has familiarized itself with best efforts with the nature and extent of the Work, locality, and with all federal, state and local laws, rules, ordinances, and regulations that in any manner may affect costs, progress, or performance of the work. MCC has made, or has caused to be made, examinations, investigations, and tests and studies of such reports and related data in addition to those referred to in the paragraph above as it deems necessary for the performance of the work at the Agreement Price, and in accordance with the other Terms and Conditions of the Agreement; and no additional examinations, tests, investigations, reports and similar data are or will be required by MCC for such purposes. The Biller has disclosed to MCC all orders and requirements known to the Biller of any public authority, rules or regulations particular to this Agreement. 2. Responsibility Each party shall be responsible to the other for the acts and omissions of its employees, Subcontractors and its agents and employees, and other persons performing any of the Work under a contract with MCC. 3. Pricing MCC shall perform the services at a cost to the Biller as described in Addendum I. eBill Standard pricing can be waived if MCC processes Real Estate/Personal Property tax information for all the Biller's remitting Bill Processors. (Minimum 4 escrow remitting Bill Processors per installment) If you choose eBill Premier and do not process 4 Bill Processors, you will be charged at the eBill Standard rate. (Bill Processor=Tax Services, Banks, Mortgage Companies, etc.) Bill Payer is solely responsible for all fees in connection with the online bill payment transaction or cancellation thereof. Biller acknowledges that all bills are provided to Bill Payer by MCC as a convenience and Bill Payer may incur a convenience fee. Biller Initial Pricing of convenience fee is subject to change given 30 day notice to Biller. 4. Confidentiality and Use of Information MCC will not disclose to any third party, for any purpose, any bill payer information it receives in connection with its performance of the services, except that MCC may use personal information provided by the bill payer to process transactions by such bill payer. 5. Biller Project Manager There is a Biller project manager for this project who is the Tax Collector of the Town of North Andover. Except as otherwise indicated herein, the Project Manager shall be a representative of the Biller and MCC shall direct all communications, questions and comments on the work and the performance thereof to the Project Manager. 6. Indemnification MCC shall hold harmless the Biller from and against any and all claims, damages, losses and expenses, including attorney's fees, arising out of the performance of this Agreement when such claims, damages, losses and expenses are caused, in whole or in part, by the negligent acts, errors or omissions of MCC or its employees, agents, subcontractors or representatives. The Biller shall hold harmless MCC from and against any and all claims, damages, losses and expenses, including attorney's fees, arising out of the performance of this Agreement when such claims, damages, losses and expenses are caused, in whole or in part, by the negligent acts, errors or omissions of the Biller or its employees, agents, subcontractors or representatives. 7. Notice All notices required to be given hereunder shall be by email or writing and delivered to, or mailed first class to, the parties' respective addresses given. In the event that immediate notice is required, it may be given by telephone or facsimile, but shall, to the extent possible, be followed by notice in writing in the manner set forth above. 8. Termination A. Each party shall have the right to terminate this Agreement in the event of a failure of the other party to comply with the terms of the Agreement. Such termination shall be effective upon fifteen (15) days notice to the party in default and the failure within that time of said party to cure its default. B. This Agreement shall commence upon the date first entered above and shall be self renewing on an annual basis of said commencement date unless earlier terminated as provided herein. 9. Affirmative Action/Equal Employment Opportunity Both parties are to comply with all applicable State laws, Ordinances, Bylaws, and rules and regulations including prevailing wage requirements. Failure to comply with any such law, rule or regulation shall constitute grounds for the termination of the Agreement. 10. Miscellaneous A. Assignment: MCC shall not assign or transfer any of its rights, duties or obligations under this Agreement without the written approval of the Biller. B. Waiver of Jury Trial Both the Biller and MCC waive any claim or right to a trial by jury with respect to any dispute or claim arising under or in respect to this Agreement or to any Addendum. This Waiver applies to the interpretation, breach or enforcement of any provision of this Agreement or otherwise and whether arising in tort or contract. The Waiver of a jury trial set forth in this section shall survive termination of this agreement for any reason. 2 Biller Initial C. Compliance with Laws: (1) Both parties shall give all notices and comply with all federal, state and local laws, ordinances, rules, regulations and lawful orders of any public authority bearing on the performance of the work. The Biller represents that it has disclosed to MCC all orders and requirements known to the Biller of any public authority particular to this Agreement. (2) If either party observes that any of the Agreement or Addendum is at variance with applicable laws, statutes, codes and regulations in any respect, it shall promptly notify the other party in writing, and any necessary changes shall be accomplished by appropriate modification. (3) If either party performs any work which it knows or should know is contrary to such laws, ordinances, rules and regulations, and without such notices to the other party, it shall assume full responsibility therefore and shall bear all costs attributable thereto. (4) In the performance of the work, both parties shall comply with all applicable federal, state and local laws and regulations including those relating to workplace and employee safety. D. Advertising Campaigns MCC has a third party administer various advertising campaigns on the MCC eBill website. MCC has no responsibility or liability for the practices, policies or security measures implemented by third party campaigns. Although MCC has control on the types of campaigns and is committed to providing appropriate viewing displays for every visitor to the website, MCC can not guarantee specific displays appearing. If a Biller is offering True Virtual Host, the Biller may Opt out of these campaigns for a annual service fee to MCC. 11. Automated Clearing House Payment Acceptance Biller has requested to accept ACH payments for Bill Payers using MCC's service, eBill. These ACH payments are for, but are not limited to: Real Estate Tax, Personal Property Tax, Excise Tax, and Utilities. 1. Bill Payer payments will be made through MCC to accounts maintained at a Bank or other financial institutions by means of the Automated Clearing House (ACH). 2. MCC will notify the Biller when Bill Payer payments are available for posting. 3. MCC is not responsible for any Biller postings in error due to delayed notification from the ACH bank of an ACH payment failure or due to other unforeseen circumstances. 4. The Biller has an Agreement with their ACH bank to accept ACH payments and agrees to follow all regulations between all parties as it relates to ACH transfers. Biller acknowledges that MCC will generate files for use of CTX/CCD entries to credit Biller's account. 5. The Biller certifies that an Origination Agreement exists between the Biller and their Originating Depository Financial Institution. 12. Credit Card Payment Acceptance The Biller has requested to accept credit card payments for Bill Payers using MCC's service, eBill. These credit card payments are for, but are not limited to: Real Estate Tax, Personal Property Tax, Excise Tax, and Utilities. 1. MCC will activate credit card payments for the Municipality by means of Credit/Debit card transactions. These credit card types are subject to change. Bill Payers are responsible for the Convenience Fee charged for transactions and will be notified of amount prior to approving payment. American Express, Discover, VISA and MasterCard credit card payments are made to a specified Biller bank account or Financial Institution. Biller Initial 3. In the event of an American Express chargeback or Bill Payer refund„ the Biller will reimburse MCC for the amount returned to a Bill Payer. In the event of a Discover and MasterCard chargeback or Bill Payer refund, the funds are withdrawn directly from the specified Biller bank account or financial institution. 4. The Biller should unpost the payment from their collection system. The Biller is not responsible for chargeback's that exceed the amount collected for any entries or any chargeback fees. 5. MCC will reimburse the Biller in the event of a postponed fund transfer or information availability notification, within a reasonable time (30 days), resulting in a loss or liability, claims, debts, demands, suits, damages and executions on account of any actions or entries initiated by MCC, except due to the Bank's, Credit Card Company or Biller's own negligence. 6. If a credit card dispute of payment occurs by a Bill Payer, both MCC and the Biller will work in conjunction to obtain proof of payment and posting of payment for the Bill Payer. Proof of completion and posting of payment to the Bill Payers account should minimize any chargeback ensuing. 7. All merchant numbers and credit card accounts are to be used exclusively with MCC and its products. IN WITNESS WHEREOF, the parties hereto have set their hands and seals, the Biller by its authorized representatives as of the day and year first above written. METROPOLITAN TOWN OF NORTH ANDOVER COMMUNICATIONS, LLC By: By:— Tammy Johnson Name Senior Vice President Operations Title 4 Biller Initial Addendum I MCC eBill Pricing * eBill Premier: The Biller (Municipality) contracts with MCC eBill Premier's full services; Bill Processor and Bill Payer. The Bill Payer fee to the Biller will be waived when MCC processes all Real Estate/Personal Property tax information to all remitting Biller's Bill Processors. (Minimum 4 escrow remitting Bill Processors per installment*) Biller Charges: Start up fee: $0 Annual service fee: $0 File frequency fee: $0 eBill Standard: The Biller (Municipality) contracts with MCC eBill's services; Bill Payer. A fee will be charged to the Biller for online bill payment services. Startup Fees: ■ eBill Account Setup: $250.00 ■ True Virtual Host: $125.00 ■ Import/Export Bill Type: $250.00 — $500.00 (per new bill type) Annual Fees: ■ Bill Count Range: An annual fee will be charged for the number of accounts/bills in a single file, per file type. 1 - 4,999- $250.00 5,000 - 10,000 - $500.00 10,000 - 19,999 - $750.00 20,000 - 49,999 - $1000.00 50,000 - 99,999 - $1250.00 100,000 - + - $1500.00 File Frequency Fee: A start up fee will be charged for a new file using the same frequency. If the Biller increases their file frequency with a new file then the Biller will incur the larger frequency fee. Daily: $750.00 Weekly: $550.00 Monthly: $400.00 Quarterly: $300.00 Semi-Annual/Yearly: $200.00 True Virtual Host: $125 (Waived if Advertising Campaign is displayed) Miscellaneous Pricing: • ACH convenience fee passed on to the Bill Payer: $0.35 per bill. ACH fee can be incurred by the Biller= $0.25. ACH fee can be waived when using all remitting Bill Processors. • Credit Card convenience fees are passed on to the Bill Payer: approx. 3% (percentage may vary according to State; Bills under $100 may be imposed a higher rate of fee; Minimum convenience fee charge $1.00) • A cost may be charged for custom development work / hours. This cost will be discussed with the Biller prior to charges MCC provides different discount options for Billers, please contact your MCC Representative directly to discuss your options. * All fees are non-refundable Biller Acknowledges Pricing Models I have chosen the following pricing model eBill Premier _Initial eBill Standard Initial 5 Biller Initial ACKNOWLEDGEMENT OF AMERICAN EXPRESSO CARD ACCEPTANCE This Exhibit B-1 sets forth a letter of acknowledgement that Metropolitan Communications, LLC is required to procure from the applicable government entity for which it submits Charges and for which Charges American Express pays to the Metropolitan Communications, LLC directly. As you are aware, American Express Travel Related Services Company, Inc. ("American Express" "we," "us" and "our") and Metropolitan Communications, LLC, ("MCC") a third party service provider, are parties to an agreement dated May 3, 2004, whereby American Express permits MCC to accept the American Express Card ("Card") and submit Charges on behalf of various governmental entities ("Master Agreement"). The Town of North Andover, ("You" or "Your") has authorized MCC to administer credit card acceptance on your behalf, including acceptance of the Card. We will permit MCC to accept the Card and submit Charges on your behalf, pursuant to the terms of the Master Agreement. Capitalized terms used in this letter shall have the meaning attributed to them in the Master Agreement. You acknowledge that appointing MCC to accept the Card on your behalf means that MCC has the power and authority to perform all actions affecting Card acceptance, including, but not limited to, submitting Charges on your behalf, accepting payment for Charges submitted on your behalf and managing the dispute resolution process. We are not required to, and will not, alter our regular course of business with respect to acceptance of Charge submissions from MCC. In no event will we be responsible or liable to you for any direct, incidental, indirect, speculative, consequential, special, punitive or exemplary damages of any kind arising from MCC acceptance of the Card on your behalf. You further acknowledge that the names, addresses, account numbers, Card Identification Numbers, and any information and data relating to American Express Cardmembers and Card transactions (collectively, Cardmember Information), are confidential and our sole and exclusive property. Except as provided in the Master Agreement, you and MCC may only use and store such Cardmember Information to facilitate Card transactions. You must not disclose or use Cardmember Information for any other purpose. We look forward to supporting your and MCC acceptance of the Card. AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. 74 Thomas F. Pojero Senior Vice President Merchant Acquisition North America ACCEPTED AND AGREED TO: Town of North Andover [Type or Print Full Legal Name of Gov't Entity Above] By: _ Name: Title: Date: 6 Biller Initial MCC PREMIER AGREEMENT THIS AGREEMENT made this day of October, in the year two thousand ten, by and between METROPOLITAN COMMUNICATIONS, LLC, having a principal place of business at 2 Mount Royal Avenue, Suite 310, Marlborough, Massachusetts, 01752, hereinafter called "MCC", and the TOWN OF NORTH ANDOVER, with a usual place of business at 120 Main Street, North Andover, Massachusetts, 01845, hereinafter called the "Biller". WHEREAS the Biller has requested to utilize MCC's service, eBill Premier, for purposes of distributing and processing information for Bill Processors and/or accepting online payments from Bill Payers. These online payments are for, but are not limited to: Real Estate Tax, Personal Property Tax, Excise Tax, and Utilities. WHEREAS in consideration of the mutual promises contained herein, the acceptance of Bill Payer terms and conditions, both parties agree as follows: 1. Information (A) All information given is from the best sources at present available to the Biller and MCC. (B) The Biller or Biller Vendor will transmit files containing bill information via web to MCC for processing, distributing and verification as requested by both parties. (C) In the event any file transmitted by the Biller or Biller Vendor does not contain Total Due field, MCC will calculate a total due based upon file data supplied. MCC is not liable for miscalculated total due amounts displayed to Bill Payers for purposes of paying bills online using eBill. (D) Payments will be made through MCC to accounts as Biller indicated either by Automated Clearing House "ACH" and/or by Credit/Debit Card payments. (E) MCC or the Biller may determine to include or eliminate available payment types, as it deems necessary upon thirty (30) days written notice to either party. MCC has familiarized itself with best efforts with the nature and extent of the Work, locality, and with all federal, state and local laws, rules, ordinances, and regulations that in any manner may affect costs, progress, or performance of the work. MCC has made, or has caused to be made, examinations, investigations, and tests and studies of such reports and related data in addition to those referred to in the paragraph above as it deems necessary for the performance of the work at the Agreement Price, and in accordance with the other Terms and Conditions of the Agreement; and no additional examinations, tests, investigations, reports and similar data are or will be required by MCC for such purposes. The Biller has disclosed to MCC all orders and requirements known to the Biller of any public authority, rules or regulations particular to this Agreement. 2. Responsibility Each party shall be responsible to the other for the acts and omissions of its employees, Subcontractors and its agents and employees, and other persons performing any of the Work under a contract with MCC. 3. Pricing MCC shall perform the services at a cost to the Biller as described in Addendum I. eBill Standard pricing can be waived if MCC processes Real Estate/Personal Property tax information for all the Biller's remitting Bill Processors. (Minimum 4 escrow remitting Bill Processors per installment) If you choose eBill Premier and do not process 4 Bill Processors, you will be charged at the eBill Standard rate. (Bill Processor=Tax Services, Banks, Mortgage Companies, etc.) Bill Payer is solely responsible for all fees in connection with the online bill payment transaction or cancellation thereof. Biller acknowledges that all bills are provided to Bill Payer by MCC as a convenience and Bill Payer may incur a convenience fee. Biller Initial Pricing of convenience fee is subject to change given 30 day notice to Biller. 4. Confidentiality and Use of Information MCC will not disclose to any third party, for any purpose, any bill payer information it receives in connection with its performance of the services, except that MCC may use personal information provided by the bill payer to process transactions by such bill payer. 5. Biller Proiect Manager There is a Biller project manager for this project who is the Tax Collector of the Town of North Andover. Except as otherwise indicated herein, the Project Manager shall be a representative of the Biller and MCC shall direct all communications, questions and comments on the work and the performance thereof to the Project Manager. 6. Indemnification MCC shall hold harmless the Biller from and against any and all claims, damages, losses and expenses, including attorney's fees, arising out of the performance of this Agreement when such claims, damages, losses and expenses are caused, in whole or in part, by the negligent acts, errors or omissions of MCC or its employees, agents, subcontractors or representatives. The Biller shall hold harmless MCC from and against any and all claims, damages, losses and expenses, including attorney's fees, arising out of the performance of this Agreement when such claims, damages, losses and expenses are caused, in whole or in part, by the negligent acts, errors or omissions of the Biller or its employees, agents, subcontractors or representatives. 7. Notice All notices required to be given hereunder shall be by email or writing and delivered to, or mailed first class to, the parties' respective addresses given. In the event that immediate notice is required, it may be given by telephone or facsimile, but shall, to the extent possible, be followed by notice in writing in the manner set forth above. 8. Termination A. Each party shall have the right to terminate this Agreement in the event of a failure of the other party to comply with the terms of the Agreement. Such termination shall be effective upon fifteen (15) days notice to the party in default and the failure within that time of said party to cure its default. B. This Agreement shall commence upon the date first entered above and shall be self renewing on an annual basis of said commencement date unless earlier terminated as provided herein. 9. Affirmative Action/Equal Employment Opportunity Both parties are to comply with all applicable State laws, Ordinances, Bylaws, and rules and regulations including prevailing wage requirements. Failure to comply with any such law, rule or regulation shall constitute grounds for the termination of the Agreement. 10. Miscellaneous A. Assignment: MCC shall not assign or transfer any of its rights, duties or obligations under this Agreement without the written approval of the Biller. B. Waiver of Jury Trial Both the Biller and MCC waive any claim or right to a trial by jury with respect to any dispute or claim arising under or in respect to this Agreement or to any Addendum. This Waiver applies to the interpretation, breach or enforcement of any provision of this Agreement or otherwise and whether arising in tort or contract. The Waiver of a jury trial set forth in this section shall survive termination of this agreement for any reason. 2 Biller Initial C. Compliance with Laws: (1) Both parties shall give all notices and comply with all federal, state and local laws, ordinances, rules, regulations and lawful orders of any public authority bearing on the performance of the work. The Biller represents that it has disclosed to MCC all orders and requirements known to the Biller of any public authority particular to this Agreement. (2) If either party observes that any of the Agreement or Addendum is at variance with applicable laws, statutes, codes and regulations in any respect, it shall promptly notify the other party in writing, and any necessary changes shall be accomplished by appropriate modification. (3) If either party performs any work which it knows or should know is contrary to such laws, ordinances, rules and regulations, and without such notices to the other party, it shall assume full responsibility therefore and shall bear all costs attributable thereto. (4) In the performance of the work, both parties shall comply with all applicable federal, state and local laws and regulations including those relating to workplace and employee safety. D. Advertising Campaigns MCC has a third party administer various advertising campaigns on the MCC eBill website. MCC has no responsibility or liability for the practices, policies or security measures implemented by third party campaigns. Although MCC has control on the types of campaigns and is committed to providing appropriate viewing displays for every visitor to the website, MCC can not guarantee specific displays appearing. If a Biller is offering True Virtual Host, the Biller may Opt out of these campaigns for a annual service fee to MCC. 11. Automated Clearing House Payment Acceptance Biller has requested to accept ACH payments for Bill Payers using MCC's service, eBill. These ACH payments are for, but are not limited to: Real Estate Tax, Personal Property Tax, Excise Tax, and Utilities. 1. Bill Payer payments will be made through MCC to accounts maintained at a Bank or other financial institutions by means of the Automated Clearing House (ACH). 2. MCC will notify the Biller when Bill Payer payments are available for posting. 3. MCC is not responsible for any Biller postings in error due to delayed notification from the ACH bank of an ACH payment failure or due to other unforeseen circumstances. 4. The Biller has an Agreement with their ACH bank to accept ACH payments and agrees to follow all regulations between all parties as it relates to ACH transfers. Biller acknowledges that MCC will generate files for use of CTX/CCD entries to credit Biller's account. 5. The Biller certifies that an Origination Agreement exists between the Biller and their Originating Depository Financial Institution. 12. Credit Card Payment Acceptance The Biller has requested to accept credit card payments for Bill Payers using MCC's service, eBill. These credit card payments are for, but are not limited to: Real Estate Tax, Personal Property Tax, Excise Tax, and Utilities. 1. MCC will activate credit card payments for the Municipality by means of Credit/Debit card transactions. These credit card types are subject to change. Bill Payers are responsible for the Convenience Fee charged for transactions and will be notified of amount prior to approving payment. 2. American Express, Discover, VISA and MasterCard credit card payments are made to a specified Biller bank account or Financial Institution. 3 Biller Initial 3. In the event of an American Express chargeback or Bill Payer refund„ the Biller will reimburse MCC for the amount returned to a Bill Payer. In the event of a Discover and MasterCard chargeback or Bill Payer refund, the funds are withdrawn directly from the specified Biller bank account or financial institution. 4. The Biller should unpost the payment from their collection system. The Biller is not responsible for chargeback's that exceed the amount collected for any entries or any chargeback fees. 5. MCC will reimburse the Biller in the event of a postponed fund transfer or information availability notification, within a reasonable time (30 days), resulting in a loss or liability, claims, debts, demands, suits, damages and executions on account of any actions or entries initiated by MCC, except due to the Bank's, Credit Card Company or Biller's own negligence. 6. If a credit card dispute of payment occurs by a Bill Payer, both MCC and the Biller will work in conjunction to obtain proof of payment and posting of payment for the Bill Payer. Proof of completion and posting of payment to the Bill Payers account should minimize any chargeback ensuing. 7. All merchant numbers and credit card accounts are to be used exclusively with MCC and its products. IN WITNESS WHEREOF, the parties hereto have set their hands and seals, the Biller by its authorized representatives as of the day and year first above written. METROPOLITAN TOWN OF NORTH ANDOVER COMMUNICATIONS, LLC By: By:— Tammy Johnson Name Senior Vice President Operations Title 4 Biller Initial Addendum I MCC eBill Pricing * eBill Premier: The Biller (Municipality) contracts with MCC eBill Premier's full services; Bill Processor and Bill Payer. The Bill Payer fee to the Biller will be waived when MCC processes all Real Estate/Personal Property tax information to all remitting Biller's Bill Processors. (Minimum 4 escrow remitting Bill Processors per installment*) Biller Charges: Start up fee: $0 Annual service fee: $0 File frequency fee: $0 eBill Standard: The Biller (Municipality) contracts with MCC eBill's services; Bill Payer. A fee will be charged to the Biller for online bill payment services. Startup Fees: ■ eBill Account Setup: $250.00 ■ True Virtual Host: $125.00 ■ Import/Export Bill Type: $250.00 — $500.00 (per new bill type) Annual Fees: ■ Bill Count Range: An annual fee will be charged for the number of accounts/bills in a single file, per file type. 1 - 4,999- $250.00 5,000 - 10,000 - $500.00 10,000 - 19,999 - $750.00 20,000 - 49,999 - $1000.00 50,000 - 99,999 - $1250.00 100,000 - + - $1500.00 File Frequency Fee: A start up fee will be charged for a new file using the same frequency then the Biller will incur the larger frequency fee. Daily: $750.00 Weekly: $550.00 Monthly: $400.00 Quarterly: $300.00 Semi-Annual/Yearly: $200.00 If the Biller increases their file frequency with a new file True Virtual Host: $125 (Waived if Advertising Campaign is displayed) Miscellaneous Pricing: • ACH convenience fee passed on to the Bill Payer: $0.35 per bill. ACH fee can be incurred by the Biller= $0.25. ACH fee can be waived when using all remitting Bill Processors. • Credit Card convenience fees are passed on to the Bill Payer: approx. 3% (percentage may vary according to State; Bills under $100 may be imposed a higher rate of fee; Minimum convenience fee charge $1.00) • A cost may be charged for custom development work / hours. This cost will be discussed with the Biller prior to charges MCC provides different discount options for Billers, please contact your MCC Representative directly to discuss your options. * All fees are non-refundable Biller Acknowledges Pricing Models I have chosen the following pricing model eBill Premier _Initial eBill Standard _ Initial 5 Biller Initial ACKNOWLEDGEMENT OF AMERICAN EXPRESSO CARD ACCEPTANCE This Exhibit B-1 sets forth a letter of acknowledgement that Metropolitan Communications, LLC is required to procure from the applicable government entity for which it submits Charges and for which Charges American Express pays to the Metropolitan Communications, LLC directly. As you are aware, American Express Travel Related Services Company, Inc. ("American Express" "we," "us" and "bur") and Metropolitan Communications, LLC, ("MCC") a third party service provider, are parties to an agreement dated May 3, 2004, whereby American Express permits MCC to accept the American Express Card ("Card") and submit Charges on behalf of various governmental entities ("Master Agreement"). The Town of North Andover, ("You" or "Your") has authorized MCC to administer credit card acceptance on your behalf, including acceptance of the Card. We will permit MCC to accept the Card and submit Charges on your behalf, pursuant to the terms of the Master Agreement. Capitalized terms used in this letter shall have the meaning attributed to them in the Master Agreement. You acknowledge that appointing MCC to accept the Card on your behalf means that MCC has the power and authority to perform all actions affecting Card acceptance, including, but not limited to, submitting Charges on your behalf, accepting payment for Charges submitted on your behalf and managing the dispute resolution process. We are not required to, and will not, alter our regular course of business with respect to acceptance of Charge submissions from MCC. In no event will we be responsible or liable to you for any direct, incidental, indirect, speculative, consequential, special, punitive or exemplary damages of any kind arising from MCC acceptance of the Card on your behalf. You further acknowledge that the names, addresses, account numbers, Card Identification Numbers, and any information and data relating to American Express Cardmembers and Card transactions (collectively, Cardmember Information), are confidential and our sole and exclusive property. Except as provided in the Master Agreement, you and MCC may only use and store such Cardmember Information to facilitate Card transactions. You must not disclose or use Cardmember Information for any other purpose. We look forward to supporting your and MCC acceptance of the Card. AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. -41ew Cie. Thomas F. Pojero Senior Vice President Merchant Acquisition North America ACCEPTED AND AGREED TO: Town of North Andover [Type or Print Full Legal Name of Gov't Entity Above] By: _ Name: Title: Date: Biller Initial Ln N CD CIO00 Ln d7 Co C a� co i N U 4 ^. W J > O O N L C N U C M p • � O Jj i U) .� CL U W O n ti C O r � a E r i n O 1 r gFA C N � iP O E N � Q o U) c Oca0 O N 'O W `O / 3 N � C' C N Q rl 0, 0 E UCY p o Q N U d 4 ^. 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Even though the Virtual Hosting website has a similar appearance to your City/Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. m» o rcA-*-Aa-"o-aa tiLlnrare t4.j%Wav(r�..frk Yarw rf.S�G++rr.fawrrkr,r • Spred tMraarcMrnr Bill Payment on your Town's website Log into eBill and pay Municipal bills MCC's role as host is to not only to make the bill paying service as simple as possible, but also to ensure that the service is secure and available 24 hours a day, 7 days a week. Sknwar tAr�G �7uti'tU•ywrrts Register for online bill payment tiA Advantages • Presents to the bill payer as though they are still on the City/Town's website • Email notifications present to the bill payer as though they are sent from the City/Town directly • Creates more traffic on the City/Town's website • Uses MCC customer support • Easy to implement N MCC eBill Clients Massachusetts 1. Arlington 24. Foxborough 47. Mendon 70. Swampscott 2. Ashland 25. Framingham 48. Millbury 71. Templeton 3. Barnstable 26. Harvard 49. Monson 72. Tewksbury 4. Belmont 27. Harwich 50. New Bedford 73. Truro 5. Bolton 28. Holland 51. Newburyport 74. Upton 6. Brewster 29. Holyoke 52. Northborough 75. Uxbridge 7. Burlington 30. Hopedale 53. Norton 76. Walpole 8. Canton 31. Hudson 54. Paxton 77. Wareham 9. Chatham 32. Hull 55. Pittsfield 78. Wayland 10. Chelmsford 33. Lancaster 56. Reading 79. Wellesley 11. Clinton 34. Leominster 57. Rockland 80. Westborough 12. Cohasset 35. Lexington 58. Sandwich 81. Westport 13. Dartmouth 36. Lowell 59. Saugus 82. West Boylston 14. Dedham 37. Lynn 60. Seekonk 83. West Bridgewater 15. Dennis 38. Malden 61. Sharon 84. Wilmington 16. Dighton 39. Marblehead 62. Shirley 85. Winthrop 17. Dracut 40. Marion 63. Shrewsbury 86. Woburn 18. Duxbury 41. Marlborough 64. Somerset 87. Yarmouth 19. East Bridgewater 42. Marshfield 65. Somerville 20. Eastham 43. Mashpee 66. Spencer 21. Erving NEW! 44. Mattapoisett 67. Stoneham 22. Falmouth 45. Medford 68. Stow 23. Fitchburg 46. Melrose 69. Sutton Connecticut 88Andover 93. Farmington 98. Monroe 103. Stratford 89. Barkhamsted 94. Groton 99. Plymouth 104. Washington 90. Bolton 95. Haddam 100. Putnam 91. Canterbury NEW! 96. Litchfield 101. Ridgefield 92. Fairfield 97. Mansfield 102. Sherman Georgia New Hampshire New Jersey Rhode Island 105. Canton 106. Gilmanton 112. Bayonne 116. Providence 107. Littleton 113. Irvington 108. New London 114. Neptune Vermont 109. Newmarket 115. Wall 110. Portsmouth 117. Hartford 111. Sandown NEW! 118. Richmond MCC eSchool Clients Massachusetts 1. Advanced Math & Science Charter School 2. Belmont Public Schools NEW! 3. Lexington Public Schools 4. Melrose Public Schools 5. Reading Public Schools NEW! 6. Tewksbury Public Schools NEW! 7. Walpole Public Schools NEW! 8. Wareham Public Schools www.mcc.net 0 Z 0 < T 0 OW > SD 0 0 (1) L c 0 -4 ;;: CA CD cn N) > URBELIS & FIELDSTEEL, LLP 155 FEDERAL STREET BOSTON, MASSACHUSETTS 02110-1727 CAROL HA]IAR McGRAvEY OF COUNSEL e-mail chm@uf-law.com January 4, 2011 Raymond Santilli Assistant Town Manager North Andover Town Offices 120 Main Street North Andover, MA 01845 RE: MCC Dear Ray: Telephone 978-475-4552 Telephone 617-338-2200 Telecopier617-338-0122 Enclosed please find the above -referenced contract, which has been approved as to form. Very truly yours, arol Hajjar McGravey CHM/kmp Enclosure s:\wp5l\work\n-andove\corresp\santilli.ltr - contract28.doc 12/03/2010 16:33 5175404550 AGENCY SERVICES PAGE 01/01 CERTIFICATE OF LIABILITY INSURANCE D1tio312o 0 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEfiATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW, THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(B), AUTHORIZED REPRESENTATIVE OR PRODUCER„ AND THE CERTIFICATE HOLDER IMPORTANT: If the, certHicats holder Is an ADDITIONAL INSURED, the poilcy(les) must be entl . If SUBROGATION IS WAIVED. subject to the terms and Conditions of the poliCy, cert#Irt polleles may mqu)ra an entlorsemant A staferlont on this certlflnta does not confer r(ghta to the certificate holder in lieu of such endomamontfs). The Protector Group METROPOLITAN COMMUNICA11ONS INSURER A: 2 MOUNT ROYAL AVE INSURER 8: SUITE 310 1 INSURER C! MARLBOROUGH, MA 01752 1N$URER D: Mlsuu.ED. THIS 18 TO CERTIFY THAT THE P0410IMS OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY RVOUIROMENT, MM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE IN$URANCS APPORDED BY THE POLICIES DESCF48ED HEREIN 15 SUBJECT TO ALL THE TERM. uX UBlONB AND CONDITION9 OF SUGH MAY HAVE BEEN kED110ED BY PAID CLAIMS. Ma =I mnar,112URANU AWL am IaIIER POLICY EFF POfdGY BIP uwz GENERAL LIABILITY s 2,000,000 A X COMMEROML URRAI. LI491OW CLAIMS MADE MOCCUR Y ODN 4062311 11/28/2010 11/28/2011 NNW S 300,000 s 10,000 2,000,000 GEN'LAOORIPP LIMIT APPLIES PER: X ICLOOTRo- OC ! 4,000,000 no a 4,000.000 AUTOMOAILEUAaILmY ANY AlfiO LIMITDSIN01. nal i ALL ONMED AUTOS BODILY INJURY (Pw SCMEDLJLED AUTOS ;emn) ! HIRED AUTOS OWLY INJURY (Pw NON-ONMEDAUTOS Aoddel _ P OAM46 A 1 UMBRELLA LIAR o=m EACH O=RENCe! EXW55 LIAB CLAIMS&U B AGGREGATE ! S DB -7W ETE I . .WN _A ! 11 AND INKNAPIN LIAMMY x sTAiu oTI+- B wrP141OFFMA 1tv"RB1GtUCp van"orylnNM) h saseabeuseer IAA WBN 4062868 11128!2010 11/2812011 E.L.EACHACCIDENT ! 100000 LL,gy�e_FA� sF 100.000 PUNS aa-POUCIYURIT 500000 A Empolyee Dishonesty 00N 4062311 11/28/2010 11/28/2011 $100,000 DED $1,000 Milmom OF ea,emxa r AAA. r GCRIIri1CATR NOLORIa RAYRrI I ATnno Town of North Andover SHOULD ANY OF THE ABOVE DESCRIBED POL1CIN BE CANCELLED BEFORE 120 Maur St THE EXPIRATION DATE THEREOF, NGT1Ctt WILL BE DELIVERED IN North Andover, MA 01845 ACCORDANCE WITH THE POLICY PROVISION& Fax: 978.88849566 AUT40RIMO REPRESENTATIVE Fax; 50846MOsO 1 I7VW1fwa I IUIN. An "Once Fmmrvw. ACORD 26 (2009109) The ACORD name and logo am registered marks of ACORD TOWN OF NORTH ANDOVER 120 MAIN STREET NORTH ANDOVER, MASSACHUSETTS 01845 Raymond T Santilh Assistant Town Manager Ms. Tammy Johnson Senior Vice -President, Operations Metropolitan Communications, LLC 2 Mount Royal Avenue, Suite 310 Marlborough, MA 01752 Dear Ms. Johnson: November 22, 2010 TEL (978) 688-9516 FAX (978) 688-9556 By previous letter, you were advised the Town of North Andover was awarding the contract for on-line bill pay services to MCC. You were asked to sign and return the contract documents and "all required accompanying paperwork". Please be advised the following paperwork must be submitted as required: o Certificates of Insurance listing the `Town of North Andover' as an additional insured as required in Supplement S of the contract (copy attached). Town Counsel has reviewed the `MCC Premier Agreement' submitted for Town signature. The document contains several provisions in conflict with the Town's standard contract that was provided as part of the original RFP. In addition, MCC's submission in response to the RFP did not include any reference to this supplementary document. Town Counsel has advised the Town can execute a document containing certain provisions specific to the scope of services to be provided by MCC provided there is no conflict with the Town's standard contract. Please review and advise. If you have any questions and/or concerns, please call me. Sincerely, Raymond T. Santilli Assistant Town Manager Enclosure Santilli, Ray From: Yarid, Jennifer Sent: Tuesday, October 05, 2010 12:07 PM To: 'Tammy Johnson' Cc: Bernie Walsh; Santilli, Ray Subject: RE: MCC Contract Hi Tammy, I'm not the proper contact person for this information. Please contact Ray Santilli, Assistant Town Manager. Jennifer From: Tammy Johnson [mailto:Tammy]ohnson@mcc.net] Sent: Tuesday, October 05, 2010 9:55 AM To: Yarid, Jennifer Cc: Bernie Walsh Subject: MCC Contract Good Morning Jennifer, I am pleased to have received the contract for MCC on-line bill pay service for the Town of North Andover. At this time, I have signed the 3 contracts and have given them to Bernie Walsh to deliver to you within the next week along with a standard MCC Agreement for your review and signature. The insurance certificate you requested will be faxed directly from our insurance company within the next 48 hours to 978- 688-9556. If you do not receive it, please contact me and let me know. We look forward to working with you and the Town of North Andover. If you have any questions or concerns, please let me know. Have a good day. Tammy Johnson Sr. Vice President Operations MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 408-460-6000 ext 377 Please note the Massachusetts Secretary of State's office has determined that most emails to and from municipal offices and officials are public records. For more information please refer to: http://www.sec.state.ma.us/pre/preidx.htm. Please consider the environment before printing this email. TOWN OF NORTH ANDOVER 120 MAIN STREET NORTH ANDOVER, MASSACHUSETTS 01845 Raymond T Santilli Assistant Town Manager Attorney Carol McGravey Urbelis & Fieldsteel, LLP 155 Federal Street Boston, MA 02110 Dear Ms. McGravey: November 30, 2010 TEL (978) 688-9516 FAX (978) 688-9556 Enclosed please find for your review and approval three (3) original contracts, along accompanying documentation, between the Town of North Andover and MCC to provide on-line bill pay services for the Treasurer/Collector's Office. Thank you in advance for your attention to this matter. Sincerely, Raymond T. Santilli Assistant Town Manager Enclosures TOWN OF NORTH ANDOVER CONTRACT DATE: This Contract is entered into on, or as of, this date by and between the Town of North Andover (the "Town"), and Contractor: MCC Address: 2 Mount Royal Avenue, Suite 310 Marlborough, MA 01752 Telephone Number: 508-460-6000 Fax Number: 508-460-6050 1. This is a Contract for the procurement of the following: On-line bill pay services in accordance with Request for Proposals dated July 19, 2010 and proposal submitted on August 3, 2010 (Appendix A) 2. The Contract price to be paid to the Contractor by the Town of North Andover is: Per the pricing schedule submitted (Appendix B) 3. Payment will be made as follows: Set-up costs ($500) and annual cost ($750) are waived with minimum usage; transaction fees to be paid by individual consumer (user) 4. Definitions: 4.1 Acceptance: All Contracts require proper acceptance of the described goods or services by the Town of North Andover. Proper acceptance shall be understood to include inspection of goods and certification of acceptable performance for services by authorized representatives of the Town to insure that the goods or services are complete and are as specified in the Contract. (Rev 5-2007) Contract by and between Town of North Andover and MCC Page I TOWN OF NORTH ANDOVER 120 MAIN STREET NORTH ANDOVER, MASSACHUSETTS 01845 Raymond T Santilli Assistant Town Manager & Human Resources Director Ms. Tammy Johnson Senior Vice -President, Operations MCC 2 Mount Royal Avenue, Suite 310 Marlborough, MA 01752 Dear Ms. Johnson: September 29, 2010 TEL (978) 688-9516 FAX (978) 688-9556 The Town of North Andover has decided to award the contract to MCC for on-line bill pay service for the Town of North Andover per the Request for Proposals issued on July 19, 2010. Enclosed please find three (3) original standard Town of North Andover contracts for appropriate review and signature. Please return the signed contract documents and all required accompanying paperwork to my attention as soon as possible. Please ensure that all insurance certificates list the Town of North Andover as an "additional insured". If you have any questions and/or concerns, please call me. Sincerely, Raymond T. Santilli Assistant Town Manager Enclosures TOWN OF NORTH ANDOVER REQUEST FOR PROPOSALS ON-LINE BILL PAY SERVICES Contact Address Telephone Number: Fax Number: Email July 19, 2010 Ray Santilli Assistant Town Manager 120 Main Street North Andover, MA 01845 978-688-9516 978-688-9556 rsantilli@townofnorthandover.com Table of Contents 1. Introduction............................................................ 3 2. Pre -Proposal Conference/Briefing .................................. 3 3. Submission Deadline and Instructions ............................. 3 4. Questions or Addendum....................................................... 4 5. Modifications to Proposal ........................................... 5 6. Scope of Work ........................................................ 5 7. Minimum Criteria/Qualifications.................................. 8 8. Comparative Evaluation Criteria ................................... 8 9. Method for Award ................................................... 11 10. Term of Contract ................................................... 11 Standard Town of North Andover Contract With Supplement«S".......................................... 12 Certifications............................................................ 24 Town of North Andover RFP 07/19/20 10 Page 2 of 25 On -Line Bill Pay Services 1. Introduction The Town of North Andover (`Town') is soliciting Request for Proposals (RFP) for on-line bill pay services. The Town intends to collect various payments via the internet (pay -on-line) from customers using e -checks, credit cards or debit cards. The electronic payment application must provide the necessary technology to process credit card transactions and electronic checks and integrate with the Town's systems. Qualified vendors are requested to submit their proposals to the Assistant Town Manager at the Town Hall, 120 Main Street, North Andover, MA, in accordance with the instructions contained within this RFP. The Town of North Andover is seeking to award a three-year contract for on-line bill pay services. Notice of this RFP is published in the Goods and Services Bulletin (which is a weekly publication of the Office of the Secretary of State), the Eagle -Tribune (a newspaper of general circulation) and posted on the Town website (www.townofnorthandover.com) under "Available Bids, Quotes and Proposals" The Town will accept proposals delivered in person or by mail. All proposals must be received by 2:00 p.m. on Tuesday, August 17, 2010 to be considered. Proposals submitted by fax or by electronic mail will not be considered. All proposals must be submitted to: Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 The Town of North Andover may cancel this RFP or reject in whole or in part any and all proposals, if they determine that cancellation or rejection serves the best interest of the Town of North Andover. 2. Pre -Proposal Conference/Briefing There will be no pre -proposal submission conference/briefing for this project 3. Submission Deadline and Instructions Qualified persons or firms are requested to submit proposals in a sealed envelope marked "On- line Bill Pay Services" with the applicant's name and address on the front. Applicants should provide one (1) signed original proposal and four (4) copies. Fax or electronic submissions will not be accepted. A complete and all-encompassing pricing proposal sheet is to be submitted in a separate sealed envelope marked "Pricing Proposal". The pricing proposal sheet is to list and document any and all transaction, merchant, convenience, and other charges that will be paid by the consumer. Town of North Andover RFP 07/19/2010 Page 3 of 25 On -Line Bill Pay Services Applicants must also execute and include in the sealed submission the Certificate of Non - Collusion and the Certificate of Tax Compliance. The Town of North Andover, through the Town Manager, is the awarding authority and reserves the right to reject any and all proposals or parts of proposals; to waive any defects, information, and minor irregularities; to accept exceptions to these specifications; and to award contracts or to cancel this Invitation for Bids if it is in the Town of North Andover's best interest to do so. Proposals must be signed as follows: a) if the bidder is an individual, by her/him personally; b) if the bidder is a partnership, by the name of the partnership, followed by the signature of each general partner; and c) if the bidder is a corporation, by the authorized officer, whose signature must be attested to by the Clerk/Secretary of the corporation and the corporate seal affixed. All sealed proposals must be received and registered by the Assistant Town Manager's office by Tuesday, August 17, 2010 at 2:00�m. All outer envelopes must be labeled "On -Line Bill Pay Services" and mailed or hand delivered to the following address: Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 No proposals will be accepted after the time and date noted. Late delivery of materials due to any type of delivery system shall be cause for rejection. If on the date and time of the submittal deadline the Town Hall is closed due to an uncontrolled event such as fire, snow, ice, wind or building evacuation, the submittal deadline will be postponed until 2:00 p.m. on the next normal business day. All bidders must submit a list of a minimum of three references, with contact information, where they are performing or have, in the last three years, performed similar services. 4. Questions or Addendum Questions concerning this RFP must be submitted in writing to: Ray Santilli, Assistant Town Manager, North Andover Town Hall, 120 Main Street, North Andover, MA 01845, or they may be emailed to Mr. Santilli at rsantilli@townofnorthandover.com. All questions/ inquiries must be received by close of business on Thursday, August 5, 2010 to be considered. Questions/inquiries may be delivered, mailed, emailed or faxed. Written responses will be posted on the Town's website (www.townofnorthandover.com) in "Available Bids, Quotes and Proposals" by close of business on Monday, August 9, March 24, 2010. If any changes are made to this RFP, an addendum will be posted on the Town's website in "Available Bids, Quotes and Proposals". It is the sole responsibility of the bidder to ascertain the existence of any addenda and/or modifications issued by the Town. As this RFP has been published on the Town's website (www.townof iorthandover.com) all bidders are responsible for checking the website for any addenda and /or modifications that are subsequently made to this RFP. Town of North Andover RFP 07/19/2010 Page 4 of 25 On -Line Bill Pay Services The Town accepts no liability for and will provide no accommodations to bidders who fail to check for amendments and/or modifications to this RFP and subsequently submit inadequate or incorrect responses. Bidders may not alter (manually or electronically) the RFP language or any RFP component files. Modifications to the body of the RFP, Scope of Work, terms and conditions, or which change the intent of this RFP are prohibited and may disqualify a response. All proposals submitted in response to this RFP shall remain firm for sixty (60) days following the submittal deadline. It is anticipated that the contract will be awarded within thirty (30) days after the submittal deadline. Bidders are not to communicate directly with any employee of the Town of North Andover, except as specified in this RFP, and no other individual employee or representative is authorized to provide any information or respond to any question or inquiry concerning this RFP. Bidders may contact the Contact Person for this RFP in the event this RFP is incomplete or the bidder is having trouble obtaining any part of the RFP electronically through the Town website (www.townofnorthandover.com), including, and without limitation the form and attachments. Bidder with disabilities or hardships that seek reasonable accommodations, which may include the receipt of RFP information and/or addenda and/or modifications in an alternative format, must communicate such requests in writing to the contact person, and reasonable accommodation will be made by agreement with the contact person on behalf of the Town of North Andover. 5. Modifications to Proposal A vendor may correct, modify, or withdraw a proposal by written notice received by the Town prior to the time and date set for the proposal opening. Proposal modifications must be submitted in a sealed envelope clearly labeled "Modification No. ." Each modification must be numbered in sequence, and must reference the original RFP. 6. Scope of Work The successful vendor must provide the services listed below: A. Functionality The successful vendor will provide and maintain electronic payment processing that meets the following criteria: 1) Secure data during its collection, transmission and storage. Data protection during collection and transmission via SSL with 128 bit encryption or better. 2) System allows payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks. Town of North Andover RFP 07/19/2010 Page 5 of 25 On -Line Bill Pay Services 3) Separate merchant accounts for each tax, charge or fee type. 4) Transaction and merchant fees paid will be paid by the consumer (convenience fee). 5) All convenience fees must be processed as a separate and unique transaction and not imbedded in total amount paid. 6) Payment transactions processed with "real-time" authorization. 7) Provide a confirmation number for every successful payment. 8) Scale to meet peak demand of seasonal collection cycles. 9) Provide on-line, secure payment tracking. 10) Notification by e-mail to the consumer and the Town of all charge backs. 11) Financial reports of all payments; reports available on-line. 12) Audit trail of a transaction through the entire payment cycle. 13) Must provide means of integration with internal applications via documented and delivered APIs or Web Services or secure file download in specified format. 14) Ability to pay/ view multiple bills. 15) Detailed on-line history. 16) Search for Bills by Street, license plate numbers, or other public data 17) Preferred system will allow Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies to electronically research real estate tax information, report taxes owed and remit payments on behalf of property owners for all participating Billers. 18) The vendor's web -interface will be customized to match the Town's look and feel and also have the ability to be quickly and easily changed by the vendor at the Town's request, at no cost to the Town. 19) Selected system shall have the ability to interface with separate system that allows for on-line registration and payment for class/department programs (Elder Services, Recreation & Youth Services, and School Department). Town of North Andover RFP 07/19/2010 Page 6 of 25 On -Line Bill Pay Services B. Payment Validation 1) The vendor must provide a check validation service. 2) The vendor must provide check authorization service. 3) The vendor must provide real-time credit card validations. C. Payment Processing 1) Credit card payments must post to a Town's bank account as a daily batch by merchant account. Town will have several separate merchant accounts. 2) E -Check must post to Town's account as a daily batch. The batch amount must tie to one day of e -check receipts with real-time feedback on payment confirmation, authorization and transaction information (e.g. account number, permit number, invoice number, etc.) 3) ACH transactions processed by 5:00 p.m. (EST) shall be available to the Town the next business day. 4) Credit card transactions received by 5:00 p.m. (EST) shall be processed for settlement that night, and funds will be available to the Town within two (2) business days. 5) Notification by e-mail to the consumer and the Town of all charge backs within two (2) business days. Notification will include payer's name, date of payment, payment type (i.e. e -check, credit card), and payment amount. D. Reports Payment processor component must provide a report which lists each payee name, payment transaction type (credit card, debit card or ACH), payment description (i.e. receivable type and account number or fee type), and amount paid. Report must allow date parameters and be sorted by merchant account. Report must subtotal by receivable type (or permit type) and by payment type. If convenience fees charged, convenience fees must be subtotaled separately. E. Training and Customer & Technical Support: Vendor shall provide training user, administrative and development training as well as documentation for Town of North Andover technical staff prior to implementation date. F. Project Schedule The system is to be implemented and go active no later than January 1, 2011. Town of North Andover RFP 07/19/2010 Page 7 of 25 On -Line Bill Pay Services 7. Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. 8. Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Advantageous 3 points Least Advantageous 1 point Does Not Meet 0 points * Response excels on the specific criterion Response meets evaluation standard for the criterion Response does not fully meet the criterion or leaves a question or issue not fully addressed Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up Town of North Andover RFP 07/19/2010 Page 8 of 25 On -Line Bill Pay Services and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) Town of North Andover RFP 07/19/2010 Page 9 of 25 On -Line Bill Pay Services D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) Town of North Andover RFP 07/19/2010 Page 10 of 25 On -Line Bill Pay Services ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) 9. Method for Award The contract will be awarded to the responsible and responsive vendor submitting the most advantageous proposal taking into consideration all evaluation criteria as well as price. 10. Term of Contract The Town of North Andover is seeking to award a three-year contract. Town of North Andover RFP 07/19/2010 Page 11 of 25 On -Line Bill Pay Services Town of North Andover CONTRACT DATE: This Contract is entered into on, or as of, this date by and between the Town of North Andover (the "Town"), and Contractor: Address: Telephone Number: _ Fax Number: 1. This is a Contract for the procurement of the following: 2. The Contract price to be paid to the Contractor by the Town of North Andover is: 3. Payment will be made as follows: 4. Definitions: 4.1 Acceptance: All Contracts require proper acceptance of the described goods or services by the Town of North Andover. Proper acceptance shall be understood to include inspection of goods and certification of acceptable performance for services by authorized representatives of the Town to insure that the goods or services are complete and are as specified in the Contract. Town of North Andover RFP 07/19/2010 Page 12 of 25 On -Line Bill Pay Services 4.2 Contract Documents: All documents relative to the Contract including (where used) Instructions to Bidders, Proposal Form, General Conditions, Supplementary General Conditions, General Specifications, Other Specifications included in Project Manual, Drawings, and all Addenda issued during the bidding period. The Contract documents are complementary, and what is called for by any one shall be as binding as if called for by all. The intention of the document is to include all labor and materials, equipment and transportation necessary for the proper performance of the Contract. 4.3 The Contractor: The "other party" to any Contract with the Town. This term shall (as the sense and particular Contract so require) include Vendor, Contractor, Engineer, or other label used to identify the other party in the particular Contract. Use of the term "Contractor" shall be understood to refer to any other such label used. 4.4 Date of Substantial Performance: The date when the work is sufficiently complete, the services are performed, or the goods delivered, in accordance with Contract documents, as modified by approved Amendments and Change Orders. 4.5 Goods: Goods, Supplies or Materials. 4.6 SubContractor: Those having a direct Contract with the Contractor. The term includes one who furnished material worked to a special design according to the Drawings or Specifications of this work, but does not include one who merely furnishes material not so worked. 4.7 Work: The services or materials contracted for, or both. 5. Term of Contract and Time for Performance: This Contract shall be fully performed by the Contractor in accordance with the provisions of the Contract Documents on or before , unless extended pursuant to a provision for extension contained in the Contract documents at the sole discretion of the Town, and not subject to assent by the Contractor, and subject to the availability and appropriation of funds as certified by the Town Accountant. The time limits stated in the Contract documents are of the essence of the Contract. 6. Subject to Appropriation: Notwithstanding anything in the Contract documents to the contrary, any and all payments which the Town is required to make under this Contract shall be subject to appropriation or other availability of funds as certified by the Town Accountant. In the absence of appropriation, this Contract shall be immediately terminated without liability for damages, penalties or other charges. Town of North Andover RFP 07/19/2010 Page 13 of 25 On -Line Bill Pay Services 7. Permits and Approvals: Permits, Licenses, Approvals and all other legal or administrative prerequisites to its performance of the Contract shall be secured and paid for by the Contractor. 8. Termination and Default: 8.1 Without Cause. The Town may terminate this Contract on seven (7) calendar days notice when in the best interests of the Town by providing notice to the Contractor, which shall be in writing and shall be deemed delivered and received when given in person to the Contractor, or when received by fax, express mail, certified mail return receipt requested, regular mail postage prepaid or delivered by any other appropriate method evidencing actual receipt by the Contractor. Upon termination without cause, Contractor will be paid for services rendered to the date of termination. 8.2 For Cause. If the Contractor is determined by the Town to be in default of any term or condition of this Contract, the Town may terminate this Contract on seven (7) days notice by providing notice to the Contractor, which shall be in writing and shall be deemed delivered and received when given in person to the Contractor, or when received by fax, express mail, certified mail return receipt requested, regular mail postage prepaid or delivered by any other appropriate method evidencing actual receipt by the Contractor. 8.3 Default. The following shall constitute events of a default under the Contract: 1) any material misrepresentation made by the Contractor to the Town; 2) any failure to perform any of its obligations under this Contract including, but not limited to the following: (i) failure to commence performance of this Contract at the time specified in this Contract due to a reason or circumstance within the Contractor's reasonable control, (ii) failure to perform this Contract with sufficient personnel and equipment or with sufficient material to ensure the completion of this Contract within the specified time due to a reason or circumstance within the Contractor's reasonable control, (iii) failure to perform this Contract in a manner reasonably satisfactory to the Town, (iv) failure to promptly re -perform within a reasonable time the services that were rejected by the Town as unsatisfactory, or erroneous, (v) discontinuance of the services for reasons not beyond the Contractor's reasonable control, (vi) failure to comply with a material term of this Contract, including, but not limited to, the provision of insurance and non-discrimination, (vii) any other acts specifically and expressly stated in this Contract as constituting a basis for termination of this Contact, and (viii) failure to comply with any and all requirements of state law and/or regulations, and Town bylaw and/or regulations. 9. The Contractor's Breach and the Town's Remedies: Failure of the Contractor to comply with any of the terms or conditions of this Contract shall be deemed a material breach of this Contract, and the Town of North Andover shall Town of North Andover RFP 07/19/2010 Page 14 of 25 On -Line Bill Pay Services have all the rights and remedies provided in the Contract documents, the right to cancel, terminate, or suspend the Contract in whole or in part, the right to maintain any and all actions at law or in equity or other proceedings with respect to a breach of this Contract, including damages and specific performance, and the right to select among the remedies available to it by all of the above. From any sums due to the Contractor for services, the Town may keep the whole or any part of the amount for expenses, losses and damages incurred by the Town as a consequence of procuring services as a result of any failure, omission or mistake of the Contractor in providing services as provided in this Contract. 10. Statutory Compliance: 10.1 This Contract will be construed and governed by the provisions of applicable federal, state and local laws and regulations; and wherever any provision of the Contract or Contract documents shall conflict with any provision or requirement of federal, state or local law or regulation, then the provisions of law and regulation shall control. Where applicable to the Contract, the provisions of the General Laws are incorporated by reference into this Contract, including, but not limited to, the following: General Laws Chapter 30B — Procurement of Goods and Services. General Laws Chapter 30, Sec. 39, et seq: - Public Works Contracts. General Laws Chapter 149, Section 44A, et seq: Public Buildings Contracts. 10.2 Wherever applicable law mandates the inclusion of any term and provision into a municipal contract, this Section shall be understood to import such term or provision into this Contract. To whatever extent any provision of this Contract shall be inconsistent with any law or regulation limiting the power or liability of cities and towns, such law or regulation shall control. 10.3 The Contractor shall give all notices and comply with all laws and regulations bearing on the performance of the Contract. If the Contractor performs the Contract in violation of any applicable law or regulation, the Contractor shall bear all costs arising therefrom. 10.4 The Contractor shall keep itself fully informed of all existing and future State and National Laws and Municipal By-laws and Regulations and of all orders and decrees of any bodies or tribunals having jurisdiction in any manner affecting those engaged or employed in the work, of the materials used in the work or in any way affecting the conduct of the work. If any discrepancy or inconsistency is discovered in the Drawings, Specifications or Contract for this work in violation of any such law, by-law, regulation, order or decree, it shall forthwith report the same in writing to the Town. It shall, at all times, itself observe and comply with all such existing and future laws, by-laws, regulations, orders and decrees; and shall Town of North Andover RFP 07/19/2010 Page 15 of 25 On -Line Bill Pay Services protect and indemnify the Town of North Andover, and its duly appointed agents against any claim or liability arising from or based on any violation whether by him or its agents, employees or subcontractors of any such law, by-law, regulation or decree. 11. Conflict of Interest: Both the Town and the Contractor acknowledge the provisions of the State Conflict of Interest Law (General Laws Chapter 268A), and this Contract expressly prohibits any activity which shall constitute a violation of that law. The Contractor shall be deemed to have investigated the application of M.G.L. c. 268A to the performance of this Contract; and by executing the Contract documents the Contractor certifies to the Town that neither it or its agents, employees, or subcontractors are thereby in violation of General Laws Chapter 268A. 12. Certification of Tax Compliance This Contract must include a certification of tax compliance by the Contractor, as required by General Laws Chapter 62C, Section 49A (Requirement of Tax Compliance by All Contractors Providing Goods, Services, or Real Estate Space to the Commonwealth or Subdivision). 13. Discrimination The Contractor will carry out the obligations of this Contract in full compliance with all of the requirements imposed by or pursuant to General Laws Chapter 151 B (Law Against Discrimination) and any executive orders, rules, regulations, and requirements of the Commonwealth of Massachusetts as they may from time to time be amended. 14. Assignment: Assignment of this Contract is prohibited, unless and only to the extent that assignment is provided for expressly in the Contract documents. 15. Condition of Enforceability gainst the Town: This Contract is only binding upon, and enforceable against, the Town if (1) the Contract is signed by the Town Manager or its designee; and (2) endorsed with approval by the Town Accountant as to appropriation or availability of funds; and (3) endorsed with approval by the Town Counsel as to form. 16. Corporate Contractor: If the Contractor is a corporation, it shall endorse upon this Contract (or attach hereto) its Clerk's Certificate certifying the corporate capacity and authority of the party signing this Contract for the corporation. Such certificate shall be accompanied by a letter or other Town of North Andover RFP 07/19/2010 Page 16 of 25 On -Line Bill Pay Services instrument stating that such authority continues in full force and effect as of the date the Contract is executed by the Contractor. This Contract shall not be enforceable against the Town of North Andover unless and until the Contractor complies with this section. The Contractor, if a foreign corporation, shall comply with the provisions of the General Laws, Chapter 181, Sections 3 and 5, and any Acts and Amendments thereof, and in addition thereto, relating to the appointment of the Commissioner of Corporations as its attorney, shall file with the Commissioner of Corporations a Power of Attorney and duly authenticated copies of its Charter or Certificate of Incorporation; and said Contractor shall comply with all the laws of the Commonwealth. 17. Liability of Public Officials: To the full extent permitted by law, no official, employee, agent or representative of the Town of North Andover shall be individually or personally liable on any obligation of the Town under this Contract. 18. Indemnification: The Contractor shall indemnify, defend and save harmless the Town, the Town's officers, agents and employees, from and against any and all damages, liabilities, actions, suits, proceedings, claims, demands, losses, costs, expenses, recoveries and judgments of every nature and description (including reasonable attorneys' fees) that may arise in whole or in part out of or in connection with the work being performed or to be performed, or out of any act or omission by the Contractor, its employees, agents, subcontractors, material men, and anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable, regardless of whether or not it is caused in part by any party indemnified hereunder. The Contractor further agrees to reimburse the Town for damage to its property caused by the Contractor, its employees, agents, subcontractors or material men, and anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable, including damages caused by his, its or their use of faulty, defective, or unsuitable material or equipment, unless the damage is caused by the Town's gross negligence or willful misconduct. The existence of insurance shall in no way limit the scope of the Contractor's indemnification under this contract. 19. Workers Compensation Insurance: The Contractor shall provide by insurance for the payment of compensation and the furnishing of other benefits under Chapter 152 of the General Laws of Massachusetts (The Worker's Compensation Act) to all employees of the Contractor who are subject to the provisions of Chapter 152 of the General Laws of Massachusetts. Failure to provide and continue in force such insurance during the period of this Contract shall be deemed a material breach of this Contract, shall operate as an immediate termination thereof, and Contractor shall indemnify the Town for all losses, claims, and actions resulting from the failure to provide the insurance required by this Article. Town of North Andover RFP 07/19/2010 Page 17 of 25 On -Line Bill Pay Services The Contractor shall furnish to the Town evidence of such insurance prior to the execution of this Contract before the same shall be binding on the parties thereto, except if specifically waived by the Town. 20. Documents, Materials, Etc. Any materials, reports, information, data, etc. given to or prepared or assembled by the Contractor under this Contract are to be kept confidential and shall not be made available to any individual or organization by the Contractor (except agents, servants, or employees of the Contractor) without the prior written approval of the Town, except as otherwise required by law. The Contractor shall comply with the provisions Chapter 66A of the General Laws of Massachusetts as it relates to public documents, and all other state and federal laws and regulations relating to confidentiality, security, privacy and use of confidential data. Any materials produced in whole or in part under this Contract shall not be subject to copyright, except by the Town, in the United States or any other country. The Town shall have unrestricted authority to, without payment of any royalty, commission, or additional fee of any type or nature, publicly disclose, reproduce, distribute and otherwise use, and authorize others to use, in whole or in part, any reports, data or other materials prepared under this Contract. All data, reports, programs, software, equipment, furnishings, and any other documentation or product paid for by the Town shall vest in the Town at the termination of this Contract. The Contractor shall at all times, during or after termination of this Contract, obtain the prior written approval of the Town before making any statement bearing on the work performed or data collected under this Contract to the press or issues any material for publication through any medium. 21. Audit, Inspection and Recordkeeping At any time during normal business hours, and as often as the Town may deem it reasonably necessary, there shall be available in the office of the Contractor for the purpose of audit, examination, and/or to make excerpts or transcript all records, contracts, invoices, materials, payrolls, records of personnel, conditions of employment and other data relating to all matters covered by this Agreement. 22. Pali ent_ The Town agrees to make all reasonable efforts to pay to the Contractor the sum set forth in the Contractor's bid or proposal within thirty (30) days of receipt of an invoice detailing the work completed and acceptance from the Town of the work completed. Town of North Andover RFP 07/19/2010 Page 18 of 25 On -Line Bill Pay Services 23. Waiver and Amendment Amendments, or waivers of any additional term, condition, covenant, duty or obligation contained in this Contract may be made only by written amendment executed by all signatories to the original Agreement, prior to the effective date of the amendment. To the extent allowed by law, any conditions, duties, and obligations contained in this Contract may be waived only by written Agreement by both parties. Forbearance or indulgence in any form or manner by a party shall not be construed as a waiver, nor in any manner limit the legal or equitable remedies available to that party. No waiver by either party of any default or breach shall constitute a waiver of any subsequent default or breach of a similar or different matter. 24. Forum and Choice of Law This Contract and any performance herein shall be governed by and be construed in accordance with the laws of the Commonwealth. Any and all proceedings or actions relating to subject matter herein shall be brought and maintained in the courts of the Commonwealth or the federal district court sitting in the Commonwealth, which shall have exclusive jurisdiction thereof. This paragraph shall not be construed to limit any other legal rights of the parties. 25. Notices Any notice permitted or required under the provisions of this Contract to be given or served by either of the parties hereto upon the other party hereto shall be in writing and signed in the name or on the behalf of the party giving or serving the same. Notice shall be deemed to have been received at the time of actual service or three (3) business days after the date of a certified or registered mailing properly addressed. Notice to the Contractor shall be deemed sufficient if sent to the address set forth in the Contract and to the Town of North Andover by being sent to the Town Manager, Town Hall, 120 Main Street, North Andover, Massachusetts 01845. 26. Binding on Successors: This Contract shall be binding upon the Contractor, its assigns, transferees, and/or successors in interest (and where not corporate, the heirs and estate of the Contractor). 27. Complete Contract: This instrument, together with its endorsed supplements, and the other components of the contract documents, constitutes the entire contract between the parties, with no agreements other than those incorporated herein. Town of North Andover RFP 07/19/2010 Page 19 of 25 On -Line Bill Pay Services 28. Supplemental Conditions: The foregoing provisions apply to all contracts to which the Town of North Andover shall be a party. One of the following "Sup lep ments" must be "checked" as applicable to this Contract, shall be attached hereto, and shall in any event apply as the nature of the Contract requires. The Supplement contains additional terms governing the Contract: [ ] GOODS SUPPLEMENT "G" - Applicable to Contracts for the procurement of Goods (governed by the provisions of General Laws Chapter 3013) [ X ] SERVICES SUPPLEMENT "S" - Applicable to Contracts for the procurement of Services (governed by the provisions of General Laws Chapter 3013) [ ] CONSTRUCTION SUPPLEMENT "C" - Applicable to Contracts for Construction Town of North Andover RFP 07/19/2010 Page 20 of 25 On -Line Bill Pay Services IN WITNESS WHEREOF the parties have hereto and to two other identical instruments set forth their hands the day and year first above written. THE TOWN Division/Department Head Contract Manager Town Manager APPROVED AS TO FORM: Town Counsel THE CONTRACTOR Company Name Date Signature Print Name & Title Date CERTIFICATION AS TO AVAILABILITY OF FUNDS: Town Accountant Date Date Town of North Andover RFP 07/19/2010 Page 21 of 25 On -Line Bill Pay Services SUPPLEMENT "S" This form supplements the general provisions of the Contract between the Town of North Andover, and , which Contract is a contract for the procurement of services. "Services" shall mean furnishing of labor, time, or effort by the Contractor. This term shall not include employment agreements, collective bargaining agreements, or grant agreements. Change Orders: Change orders for contracts subject to Massachusetts General laws Chapter 30B may not increase the quantity of services by more than twenty-five (25%) per cent, in compliance with General Laws Chapter 30B, §13. Minimum Wage/Prevailing Wage; The Contractor will carry out the obligations of this Contract in full compliance with all of the requirements imposed by or pursuant to General Laws Chapter 151, §1, et seq. (Minimum Wage Law) and any executive orders, rules, regulations, and requirements of the Commonwealth of Massachusetts as they may from time to time be amended. The Contractor will at all times comply with the wage rates as determined by the Commissioner of the Department of Labor and Industries, under the provisions of General Laws Chapter 149, 26 to 27D (Prevailing Wage), as shall be in force and as amended. Insurance: The Contractor shall obtain and maintain the following insurance: 5.1 Workers Compensation Insurance of the scope and amount required by the laws of the Commonwealth of Massachusetts. 5.2.1 Broad Form Commercial General Liability coverage with limits of at least $1 Million per occurrence and $3 Million aggregate, and which shall cover bodily injury, death, or property damage arising out of the work. 5.3 Automobile Liability Coverage, including coverage for owned, hired, or borrowed vehicles with limits of at least $1 Million per person, and $1 Million per accident. 5.4 The intent of the Specifications regarding insurance is to specify minimum coverage and minimum limits of liability acceptable under the Contract. However, it shall be the Contractor's responsibility to purchase and maintain insurance of such character and in such amounts as will adequately protect it and the Town from and against all claims, damages, losses and expenses resulting from exposure to any casualty liability in the performance of the work. 5.5 All required insurance shall be certified by a duly authorized representative of the insurers on the "MIIA" or "ACORD" Certificate of Insurance form incorporated into and made a part of this agreement. Properly executed certificates signifying adequate Town of North Andover RFP 07/19/20 10 Page 22 of 25 On -Line Bill Pay Services coverage in effect for the duration of the contract with renewal certificates issued not less than 30 days prior to expiration of a policy period, must be submitted to the Town prior to commencement of this Agreement. 5.6 The Town shall be named as an additional insured on the above referenced liability policies, and the Contractor's insurance shall be the primary coverage. The cost of such insurance, including required endorsements or amendments, shall be the sole responsibility of the Contractor. 6. Indemnification: The Contractor shall indemnify, defend and save harmless the Town, its officers, agents and employees from and against any and all damages, liabilities, actions, suits, proceedings, claims, demands, losses, costs, expenses, recoveries and judgments of every nature and description (including reasonable attorneys' fees) brought or recovered against them that may arise in whole or in part out of or in connection with the work being performed or to be performed, or out of any act or omission by the Contractor, its employees, agents, subcontractors, material men, and anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable, regardless of whether or not it is caused in part by any party indemnified hereunder. The Contractor further agrees to reimburse the Town for damage to its property caused by Contractor, its employees, agents, subcontractors or material men, and anyone directly or indirectly or indirectly employed by any of them or anyone for whose acts any of them may be liable, including damages caused by his, its or their use of faulty, defective or unsuitable material or equipment, unless the damage is caused by the Town's gross negligence or willful misconduct. The existence of insurance shall in no way limit the scope of this indemnification. APPROVED AS TO FORM ONLY: TOWN OF NORTH ANDOVER Town Counsel Town Manager I CERTIFY THAT FUNDS ARE AVAILABLE IN ACCOUNT No Department/Division Head Town Accountant THE CONTRACTOR: Date: Town of North Andover RFP 07/19/201.0 On -Line Bill Pay Services Page 23 of 25 CERTIFICATIONS CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. Signature Date Print Name & Title Company Name CERTIFICATE OF TAX COMPLIANCE Pursuant to Chapter 62C of the Massachusetts General Laws, Section 49A (b), I , authorized signatory for Name of individual Name of contractor do hereby certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. Signature Town of North Andover RFP 07/19/2010 On -Line Bill Pay Services Date Page 24 of 25 CERTIFICATE OF VOTE At a duly authorized meeting the Board of Directors of the held on it was VOTED, THAT (Name) (Officer) of be and hereby is authorized to execute contracts and bonds in the name and on behalf of said , and affix its corporate seal hereto; and such execution of any contract or obligation in the name of on its behalf by such officer under seal of , shall be valid and binding upon that I hereby certify that I am the clerk of the above named and is the duly elected officer as above of said and that the above vote has not been amended or rescinded and remains in full force and effect as the date of this contract. (Date) (Clerk) Town of North Andover RFP 07/19/2010 Page 25 of 25 On -Line Bill Pay Services On -Line Bill Pay Services Company: UniBank Matt K Jim M Mark R Jen Y Comparative Criteria A 5 5 5 5 Comparative Criteria B 3 3 2 3 Comparative Criteria C 5 5 3 5 Comparative Criteria D 5 3 4 5 Comparative Criteria E 5 5 5 5 Comparative Criteria F 5 0 5 5 Subtotal: 28 21 24 28 Totals: Score 101 Company: MCC Matt K Jim M Mark R Jen Y Comparative Criteria A 5 5 5 5 Comparative Criteria B 5 3 4 5 Comparative Criteria C 5 5 3 5 Comparative Criteria D 5 5 5 5 Comparative Criteria E 5 5 5 5 Comparative Criteria F 5 5 5 5 Subtotal: 30 28 27 30 Totals: Score 115 On -Line Bill Pay Services Company: Elavon Matt K Jim M Mark R Jen Y Comparative Criteria A 3 3 0 4 Comparative Criteria B 5 5 0 5 Comparative Criteria C 5 2 0 5 Comparative Criteria D 5 5 0 5 Comparative Criteria E 5 5 0 5 Comparative Criteria F 5 5 0 0 Subtotal: 28 25 0 24 Totals: Score 77 Company: Invoice Cloud Totals: Score 26 Summary: Matt K Jim M Mark R Jen Y Comparative Criteria A 0 0 0 1 Comparative Criteria B 0 0 0 5 Comparative Criteria C 0 0 0 5 Comparative Criteria D 0 0 0 5 Comparative Criteria E 0 0 0 5 Comparative Criteria F 0 0 0 5 Subtotal: 0 0 0 26 Totals: Score 26 Summary: Score UniBank 101 MCC 115 Elavon 77 Invoice Cloud 26 TOWN OF NORTH ANDOVER, MASSACHUSETTS OFFICE OF Information Technology 120 MAIN STREET, 01845 3rL A Matthew Killen, Director Memorandum To: Ray Santilli From: Matthew Killen Date: 9/9/10 re: online bill pay rfp Please find attached my evaluation sheets for the four respondents. v� Please know: Telephone (978) 688-9539 mkillen@townofnorthandover.com I suspended review of InvoiceCloud'on finding they did not meet the first two mandatory requirements I found statements, but not evidence, of meeting certain mandatory requirements for both Unibank and Elavon Unibank does not appear to have submitted the required forms. Please let me know if I can answer any questions and thanks for the opportunity to participate in the evaluation. 4i 'i COMPANY: M, C C, Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. 1v��o���wttJ F. Submission of separate and sealed proposal and pricing sheet � . G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Evaluation of `On -Line Bill Pay Services' Submissions Page] of 5 t Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A:�_ B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 5� D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (l point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 5 E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 .04 COMPANY: SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES ---' NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: j i SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 5 - TOTAL SCORE: -30 NAME OF EVALUATOR: V-1 It t^ --- DATE: 9 - ? -(C)- Evaluation (C) Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: VA i �c k_ Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. ,f" be, C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. -rcJ F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO �~ Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B:_ C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) s SCORE FOR COMPARATIVE EVALUATION CRITERIA E: -S F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 5— Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 I COMPANY: UA.. ,,.V SUMMARY .W -g ve,^, (wt -"Or, - 0) ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO l� SCORE FOR COMPARATIVE EVALUATION CRITERIA A: � SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 5 SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: J TOTAL SCORE: -_1$ NAME OF EVALUATOR: V j l -e, DATE: q- qI —1 O Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 IL i --IV be, c� J�'v,t COMPANY: —Fla vtr% Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. { e:,ulvu rcvF. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Evaluation of `On -Line Bill Pay Services' Submissions Page] of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous l point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (I point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: 3 B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (l point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: 5/ F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (I point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: D_ a uc-� SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES `� NO w AA. VCLGC1a4<, (3� SCORE FOR COMPARATIVE EVALUATION CRITERIA A: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 5 SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: 5' SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 5 - TOTAL SCORE: P NAME OF EVALUATOR: ZCr Cly_ DATE: q1- �- - I 0 Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: 4yl✓vi be C o a cQ Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. X B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. sJ�ezJI,,4, t F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (I point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 I ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 s COMPANY: A -\L) i cA_ CAOOCr _ SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: TOTAL SCORE: NAME OF EVALUATOR: DATE: � ` �- - 10 Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 R ,, COMPANY: 0/1, 10C4, IL Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. / ALL MINIMUM CRITERIA/ UALITIFCATIONS MET: YES 4/ Q NO Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S� B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 3 C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (l point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 3 E. Transaction and Merchant Fee Processing Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 t ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) S � SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) n �q ♦ Vendor can interface with a minimum of one (1) on-line p grams registrations and payments systems which operate in Massachusetts municipalities ill be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with an on-line rograms registrations and payments systems will be considered as Does Not Meet mi m requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions E401 Page 4 of 5 COMPANY: SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES Z NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: 5 - SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: TOTAL SCORE: / v NAME OF EVALUATOR: DATE:0(1 yi Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: Evaluation of `On -Line Bill Pay Services' Submissions YES NO Page 1 of 5 i A Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) ' SCORE FOR COMPARATIVE EVALUATION CRITERIA A: � B. Accepted Forms of Payment le- t o,� ♦ System proposed supports payments using American Express, Discover, kisa asterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of_. Mowing: American Express, Discover, Visa, MasterCard, and MasterCard/Vis debit card will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: .3 C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (I point) Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 5 - Evaluation Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: /Li_ C G SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES y NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: TOTAL SCORE: Z 11 NAME OF EVALUATOR: J;' -m / 3 l� Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 w COMPANY: r, 14 va Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. V/ B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. __ F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO N4� Evaluation of `On -Line Bill Pay Services' Submissions Pagel of 5 V, Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A:_ B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 3 D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: _ E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) l SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: �atyvIIl SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: SCORE FOR COMPARATIVE EVALUATION CRITERIA A: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA B: S_ SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 5 - SCORE FOR COMPARATIVE EVALUATION CRITERIA E: 5 - SCORE FOR COMPARATIVE EVALUATION CRITERIA F: S_ TOTAL SCORE: 2.6 NAME OF EVALUATOR: tJ DATE: / % %f7__ o — Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: t VQ 1,C - ci(iovct Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachuset j 5ji C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET Evaluation of `On -Line Bill Pay Services' Submissions YES NO Page 1 of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous l point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (I point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: TOTAL SCORE: NAME OF EVALUATOR: DATE: 061110 NO / Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: QM 14&AA' Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. IV B. Vendor shall have a minimurp 9f fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are 5in4dr in scope to this project with contact names and telephone numbers. �A 7, D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. C44 /—) E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2lPcipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Evaluation of `On -Line Bill Pay Services' Submissions Pagel of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous I point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) V cow LA:41A, ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) • Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (l point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Ex ress, Discover, Visa MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) (�5 Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 2 C. Authorization ♦ Proposed system provides real-time authorizations fo c�paymentswi nd6erforms check validation and real-time aut orization for e-checknsidered Highly Advantageous (5 points) ♦ Proposed system d esnot rovide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) �� r,� ♦ Proposed system does not provide reeaa��l``ttime authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 3 D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) () rt /a ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 3 E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedde in the total amount paid will be considered Highly Advantageous (5 points) g P9 (Z 4 - Proposed Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) (a, 11 0 1 ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: a h ° GaA) w,' - SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES L,'�NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA D: V SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: NAME OF EVALUATOR: DATE: -/ �pZ~- TOTAL SCORE: Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: A C C_ Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. lip B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complettt list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. 411 , D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. VV - E. - E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. V4 - F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES <NO Evaluation of `On -Line Bill Pay Services' Submissions Page] of 5 A Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) lJ r, / ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment / I-,-✓� V � � ♦ System proposed supports payments using American Express, DiscWer, is , ast&(�aard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) L' ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B- C. Authorization Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) 6�) to y 3 g Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 3 D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) Cq) pi z v3 ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: S E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) 05- l n G 2 ♦ Proposed system f -does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E. F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusett unicipalities will be considered Highly Advantageous (5 points) U`4,,4Gv, Lf S r' ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (l) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F. J LleNWnk�,_ PµbC, "oZr. Evaluation of `On -Line Bill Pay Services' Submissions Q SCS( Ovi— joirc,4� &A41CA C C C16J Cis Page 4 of 5 COMPANY: /44 C..0 SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES _� NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S i SCORE FOR COMPARATIVE EVALUATION CRITERIA B: � S SCORE FOR COMPARATIVE EVALUATION CRITERIA C: Irl, SCORE FOR COMPARATIVE EVALUATION CRITERIA D: --� SCORE FOR COMPARATIVE EVALUATION CRITERIA E: S� 1-1 SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 5 TOTAL SCORE:�7. S� NAME OF EVALUATOR: /h(cG t4 DATE: 5 // C' Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 a.. COMPANY: E L4yGA✓ Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this projjcct with cont ct names and telephone numbers. Ala sL4 dam, 1� 1;/o -.t/ W t fk\ D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. !00' -514,6l� , S S/ E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this i e occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Evaluation of `On -Line Bill Pay Services' Submissions Page] of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) • System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 In ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 t�l Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: t�L%f C/al SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: NAME OF EVALUATOR: DATE: TOTAL SCORE: NO Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: 1AW 01 GQr CLaa p Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in perforininj the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) g�rnment clients in Massachusetts. Ala C. Vendor shall submit a complete list of all contracts performed iiassachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. 14P D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. V E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. ,t/10 F. Submission of separate and sealed proposal and pricing sheet. ry 1g, G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: Evaluation of `On -Line Bill Pay Services' Submissions YES NO L Page] of 5 .4c Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (l point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 4 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (I point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (I point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: /,A) U 01 Ce, Ci(_.tit.c M SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: TOTAL SCORE: NAME OF EVALUATOR: DATE: Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: U [ &*UL f6 -U 1 A 0 0, S -7 Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: Evaluation of `On -Line Bill Pay Services' Submissions YES NO Page] of 5 le Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous l point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does -not support payments from at least one of the following: -American xp"ress,Discover, V�is�MasterCard, and MasterCard/Visa debit cards will be considered AdVantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 VK ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real time authorizations for credit card payments and performs check validation and real-time authorization or e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: S E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 . 'A ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: //ire bl-110c, SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES Y NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: 5 SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 5 SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 5 SCORE FOR COMPARATIVE EVALUATION CRITERIA E: 5 SCORE FOR COMPARATIVE EVALUATION CRITERIA F: J TOTAL SCORE: 4 NAME OF EVALUATOR:z#14f DATE: 9 `Z 6- - / 6 Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: C Ca- d Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifieations Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET Evaluation of `On -Line Bill Pay Services' Submissions YES V NO Page] of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: ,j B. Accepted Forms of Payment System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (I point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 5 C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: J D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: .5 E. Transaction and Merchant Fee Processing Proposed system clearly indicates the transaction and merchant fees are -paid -by-the-consumer— (not-the Town); the convenience fees are processed. as.separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: 5 F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 15 Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 x COMPANY: Aq Cly SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES V NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: S_ SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 5 - SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: S SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 5 TOTAL SCORE: 56 NAME OF EVALUATOR: jelm /,off YCl.�I d DATE: 6,26-10 Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: t� 1 OLV at, k ��Ovl� \ .� �� �; _� Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and U�v`\ telephone numbers. L� D .Vendor shall submit a minimum of five (5) references of contracts performed in v Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET YES NO Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly g Y Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment ♦ System proposed supports payments using AmericA Express, Disco'�er, Viga, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: E C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 5 D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: J� F. Interface with Separate On-line Programs Registration and Payments Systems J` ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ^�k ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments V" systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: ? Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: TOTAL SCORE: NAME OF EVALUATOR: DATE: Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 COMPANY: T� U� I et o 04 Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. Apyj I 2_06Q _ 4 9 201 D B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. ,jC. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO V Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 5 A Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: _� ✓? ZD(�C/ 3 B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 5 C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous Q points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: S E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: _ F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous Q points) ♦ Vendor can interface with at least one(]) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (I point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: P �� Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: _'lyo(',� �l I/ SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO 1/ SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 5 SCORE FOR COMPARATIVE EVALUATION CRITERIA E: S SCORE FOR COMPARATIVE EVALUATION CRITERIA F: 5 TOTAL SCORE: 2,6 NAME OF EVALUATOR: DATE: 8' Z & - /d Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 NOFTp 9 IF - o + s �9SSACHUSE��h INTEROFFICE MEMORANDUM TO: Mark Rees, Town Manager DATE: August 18, 2010 James Mealey, School Business Manager Jennifer Yarid, Treasurer's Office Matt Killen, IT ' n p FROM: Ray Santilli A° ,,10.x`` Assistant Town Manager SUBJ: Evaluations of `On-line Bill Pay Services' Proposals A total of four (4) submissions were received in response to the Request for Proposals for `On- line Bill Pay Services'. The following documents are included in this package: The complete Request for Proposals document; Four (4) copies of the "Evaluation of On-line Bill Pay Services Submissions" form; Copies of each of the four (4) proposals to evaluate. You will first need to read the Request for Proposals document to acquaint yourself with the stated requirements. I have included in the evaluation form the specific requirements for the comparative evaluation criteria. For each of the comparative evaluation criteria, you must score the proposal as either "highly advantageous" for 5 points, "advantageous" for 3 points, "least advantageous" for 1 point, or "does not meet" for 0 points. The last page of the evaluation form is a summary of the allotted scores for each proposal. If you have any questions, concerns and/or issues, please call me at 978-688-9516. i" COMPANY: Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. F. Submission of separate and sealed proposal and pricing sheet. G. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 5 Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 5 ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 5 Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: F. Interface with Separate On-line Programs Registration and Payments Systems ♦ Vendor can interface with a minimum of two (2) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Highly Advantageous (5 points) ♦ Vendor can interface with a minimum of one (1) on-line programs registrations and payments systems which operate in Massachusetts municipalities will be considered Advantageous (3 points) ♦ Vendor can interface with at least one (1) on-line programs registrations and payments systems which does not operate in Massachusetts municipalities will be considered Least Advantageous (1 point) ♦ Vendor cannot interface with any on-line programs registrations and payments systems will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA F: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 5 COMPANY: SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: SCORE FOR COMPARATIVE EVALUATION CRITERIA F: TOTAL SCORE: NAME OF EVALUATOR: DATE: Evaluation of `On -Line Bill Pay Services' Submissions Page 5 of 5 Is August 9, 2010 On-line Bill Pay Services — Questions & Answers The following answers are provided to questions submitted by potential bidders: 1. The RFP requires part of searchable data to be the citizen's license plate number. Will the City provide us this info in the bill loads they send us? Yes the data for motor vehicle excise will include license plate numbers. 2. Please provide transaction volumes, payment types and revenue amounts (or ranges). Volume: The Treasurer's office sends out just over 100,000 invoices (real estate, personal property, motor vehicle, and water) each year. There will be other offices using the on-line bill paying service as well with an estimate of a maximum of 5,000 per year. Payment Types: credit cards and e -checks Revenue Amounts: The Treasurer's office collects approximately $75,000,000 per year in the aforementioned taxes. A very rough estimate of other departmental receipts would be $5,000,000. Section 7. Minimum Criteria/Qualification, item E. Vendor shall list by name and provide contact information of all online program registrations and payments packages your system can interface with. Vendor shall also submit a minimum for two (2) municipalities where this interface occurs. In Section 7 — Minimum Criteria/Qualifications — Item E, is the Town asking for a list of products/services that the Bidder offers that can interface with various Town bills and fees? OR is the Town asking for a list of Vendors the Town may possibly work with that the Bidder also interfaces with? Both — if the bidder provides such a module or if the bidder interfaces with other vendors, both should be listed to meet this criteria/qualification. Santilli, Ray From: Anita Peterson [AnitaPeterson@mcc.net] Sent: Tuesday, August 03, 2010 11:28 AM To: Santilli, Ray Subject: Online Bill Payment RPF Question Mr. Santilli, I have a question in regards to the North Andover RFP for Online Bill Payment Services: Section 7. Minimum Criteria/Qualification, item E. Vendor shall list by name and provide contact information of all online program registrations and payments packages your system can interface with. Vendor shall also submit a minimum for two (2) municipalities where this interface occurs. Is the Town asking for a list of products/services that the Bidder offers that can interface with various Town bills and fees? OR is the Town asking for a list of Vendors the Town may possibly work with that the Bidder also interfaces with? Any clarification or examples you can provide would be very helpful. Best Regards, Anita Anita Peterson I MCC Marketing & Sales Manager m 508.460.6000 x721 _]a 508.160.6050 anitapeterson@rmmnet Visit us at www.mcc.net 4 Santilli, Ray From: Shapiro, Mark [Mark.Shapiro@elavon.com] Sent: Friday, August 06, 2010 1:07 PM To: Santilli, Ray Cc: David Eckstein Subject: RFP Questions for On -Line Bill Pay Services Ray, When you get a chance, please answer the following questions 1. The RFP requires part of searchable data to be the citizen's license plate number. Will the City provide us this info in the bill loads they send us? 2. Please provide transaction volumes, payment types and revenue amounts (or ranges). Thank you! Mark Shapiro Regional Sales Manager Government & Institutional Sales Elavon Merchant Services 732-332-0677 phone 732-332-0113 fax mark.shapiro@elavon.com The information contained in this e-mail and in any attachments is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon, this information by persons or intended recipient is prohibited. This message computer viruses. 1 entities other than the has been scanned for known Santilli, Ray From: bids@burrellesluce.com Sent: Monday, July 19, 2010 3:49 PM To: Santilli, Ray Subject: Bid document request (LMUN109) Eastern Bank (39062A) 195 Market Street Lynn, MA 01901 Phone: 781-596-4583 Fax: 781-598-7478 Email: e.winters@easternbk.com 07/19/2010 Mr. Ray Santilli Asst. Town Manager Town of North Andover 120 Main Street North Andover, MA 01845 Dear Mr. Santilli, In connection with the following bid solicitation: Town of North Andover RFP: online bill pay services Due date: 08/17/2010 Due time: 02:00 pm Please furnish a bid package, including specifications and instructions to: Mr. Eugene Winters Eastern Bank (39062A) 195 Market Street Lynn, MA 01901 Phone: 781-596-4583 Fax: 781-598-7478 Your anticipated prompt attention is appreciated. Very truly yours, Bid Source for Eugene Winters cc: Mr. Eugene Winters 1 Santilli, Ray From: reg u lations@sec. state. ma. us on behalf of REGS@sec. state. ma. us Sent: Tuesday, July 13, 2010 4:07 PM To: Santilli, Ray Subject: Publish Date Assigned to Goods and Services A publish date of 7/19/10 has been assigned to your Goods and Services submission with description of: The Town of North Andover is soliciting Request for Proposals (RFP) for online bill pay services. The Town intends to collect various payments via the internet (pay -online) from customers using e -checks, credit cards or debit cards. The electronic payment application must provide the necessary technology to process credit card transactions and electronic checks and integrate with the Town?s systems. *SPR Goods and Services Submit Confirmation State Publications Regulations William; Francis Galvin, Secretary of the Commonwealth Page 1 of 2 The following Goods and Services submission was successfully received. Planned date of publish is 7/19/2010 Awarding Agency Agency Name and Address: Town of North Andover 120 Main Street North Andover, MA 01845 Bid Number: Contact Information Name: Ray Santith Title: Assistant Town Manager Phone: 978-688-9516 IF Fax 978-688-9556 Email Address: rsantilli(i ,townofnorthandover.com Notify email address listed when final publish date assigned. Address: (if different from above) Description The Town of North Andover is soliciting Request for Proposals (RFP) for on-line bill pay services. The Town intends to collect various payments via the internet (pay -on-line) from customers using e -checks, credit cards or debit cards. The electronic payment application must provide the necessary technology to process credit card transactions and electronic checks and integrate with the Town's s std Contract Information Estimated RateF7 IF Duration Bid Release Date 07/19/2010 I Release Time 11:00 a.m. Bid Deadline Date 08/17/2010 I Deadline Time 2:00 p.m. Additional Information The complete Request for Proposals document will be available at www.townofnorthandover.com by clicking on 'Available Bids, Quotes & Proposals' http://www.sec.state.ma.us/sprpublicforms/GSSubmitConfirmation.aspx?ID=47134 7/13/2010 w� .SPR Goods and Services Submit Confirmation JL ilia F"S%' vcui VV Yiiiiwu ivi yvui ►wviuJ. Page 2 of 2 http://www.sec.state.ma.us/sprpublicforms/GSSubmitConfirmation.aspx?ID=47134 7/13/2010 TOWN OF NORTH ANDOVER REQUEST FOR PROPOSALS ON-LINE BILL PAY SERVICES Contact Address Telephone Number: Fax Number: Email March 1, 2010 Ray Santilli Assistant Town Manager 120 Main Street North Andover, MA 01845 978-688-9516 978-688-9556 rsantilli@townofnorthandover.com Table of Contents 1. Introduction............................................................ 3 2. Pre -Proposal Conference/Briefing.................................. 3 3. Submission Deadline and Instructions ............................. 3 4. Questions or Addendum....................................................... 4 5. Modifications to Proposal ........................................... 5 6. Scope of Work ........................................................ 5 7. Minimum Criteria/Qualifications.................................. 7 8. Comparative Evaluation Criteria ................................... 8 9. Method for Award ................................................... 10 10. Term of Contract ................................................... 10 Standard Town of North Andover Contract With Supplement«S".......................................... 11 Certifications............................................................ 23 Town of North Andover RFP Page 2 of 24 On -Line Bill Pay Services 1. Introduction The Town of North Andover (`Town') is soliciting Request for Proposals (RFP) for on-line bill pay services. The Town intends to collect various payments via the internet (pay -on-line) from customers using e -checks, credit cards or debit cards. The electronic payment application must provide the necessary technology to process credit card transactions and electronic checks and integrate with the Town's systems. Qualified vendors are requested to submit their proposals to the Assistant Town Manager at the Town Hall, 120 Main Street, North Andover, MA, in accordance with the instructions contained within this RFP. The Town of North Andover is seeking to award a three-year contract for on-line bill pay services. Notice of this RFP is published in the Goods and Services Bulletin (which is a weekly publication of the Office of the Secretary of State), the Eagle -Tribune (a newspaper of general circulation) and posted on the Town website (www.townof iorthandover.com) under "Available Bids, Quotes and Proposals" The Town will accept proposals delivered in person or by mail. All proposals must be received by 2:00 p.m. on Wednesday, March 31, 2010 to be considered. Proposals submitted by fax or by electronic mail will not be considered. All proposals must be submitted to: Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 The Town of North Andover may cancel this RFP or reject in whole or in part any and all proposals, if they determine that cancellation or rejection serves the best interest of the Town of North Andover. 2. Pre -Proposal Conference/Briefing There will be no pre -proposal submission conference/briefing for this project 3. Submission Deadline and Instructions Qualified persons or firms are requested to submit proposals in a sealed envelope marked "On- line Bill Pay Services" with the applicant's name and address on the front. Applicants should provide one (1) signed original proposal and four (4) copies. Fax or electronic submissions will not be accepted. A complete and all-encompassing pricing proposal sheet is to be submitted in a separate sealed envelope marked "Pricing Proposal". The pricing proposal sheet is to list and document any and all transaction, merchant, convenience, and other charges that will be paid by the consumer. Town of North Andover RFP Page 3 of 24 On -Line Bill Pay Services Applicants must also execute and include in the sealed submission the Certificate of Non - Collusion and the Certificate of Tax Compliance. The Town of North Andover, through the Town Manager, is the awarding authority and reserves the right to reject any and all proposals or parts of proposals; to waive any defects, information, and minor irregularities; to accept exceptions to these specifications; and to award contracts or to cancel this Invitation for Bids if it is in the Town of North Andover's best interest to do so. Proposals must be signed as follows: a) if the bidder is an individual, by her/him personally; b) if the bidder is a partnership, by the name of the partnership, followed by the signature of each general partner; and c) if the bidder is a corporation, by the authorized officer, whose signature must be attested to by the Clerk/Secretary of the corporation and the corporate seal affixed. All sealed proposals must be received and registered by the Assistant Town Manager's office by Wednesday, March 31, 2010 at 2:00 p.m. All outer envelopes must be labeled "On -Line Bill Pay Services" and mailed or hand delivered to the following address: Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 No proposals will be accepted after the time and date noted. Late delivery of materials due to any type of delivery system shall be cause for rejection. If on the date and time of the submittal deadline the Town Hall is closed due to an uncontrolled event such as fire, snow, ice, wind or building evacuation, the submittal deadline will be postponed until 2:00 p.m. on the next normal business day. All bidders must submit a list of a minimum of three references, with contact information, where they are performing or have, in the last three years, performed similar services. 4. Questions or Addendum Questions concerning this RFP must be submitted in writing to: Ray Santilli, Assistant Town Manager, North Andover Town Hall, 120 Main Street, North Andover, MA 01845, or they may be emailed to Mr. Santilli at rsantilli@townofnorthandover.com. All questions/ inquiries must be received by close of business on Monday, March 22, 2010 to be considered. Questions/inquiries may be delivered, mailed, emailed or faxed. Written responses will be posted on the Town's website (www.townof iorthandover.com) in "Available Bids, Quotes and Proposals" by close of business on Wednesday, March 24, 2010. If any changes are made to this RFP, an addendum will be posted on the Town's website in "Available Bids, Quotes and Proposals". It is the sole responsibility of the bidder to ascertain the existence of any addenda and/or modifications issued by the Town. As this RFP has been published on the Town's website (www.townofnorthandover.com) all bidders are responsible for checking the website for any addenda and /or modifications that are subsequently made to this RFP. Town of North Andover RFP Page 4 of 24 On -Line Bill Pay Services The Town accepts no liability for and will provide no accommodations to bidders who fail to check for amendments and/or modifications to this RFP and subsequently submit inadequate or incorrect responses. Bidders may not alter (manually or electronically) the RFP language or any RFP component files. Modifications to the body of the RFP, Scope of Work, terms and conditions, or which change the intent of this RFP are prohibited and may disqualify a response. All proposals submitted in response to this RFP shall remain firm for sixty (60) days following the submittal deadline. It is anticipated that the contract will be awarded within thirty (30) days after the submittal deadline. Bidders are prohibited from communicating directly with any employee of the Town of North Andover, except as specified in this RFP, and no other individual employee or representative is authorized to provide any information or respond to any question or inquiry concerning this RFP. Bidders may contact the Contact Person for this RFP in the event this RFP is incomplete or the bidder is having trouble obtaining any part of the RFP electronically through the Town website (www.townofnorthandover.com), including, and without limitation the form and attachments. Bidder with disabilities or hardships that seek reasonable accommodations, which may include the receipt of RFP information and/or addenda and/or modifications in an alternative format, must communicate such requests in writing to the contact person, and reasonable accommodation will be made by agreement with the contact person on behalf of the Town of North Andover. 5. Modifications to Proposal A vendor may correct, modify, or withdraw a proposal by written notice received by the Town prior to the time and date set for the proposal opening. Proposal modifications must be submitted in a sealed envelope clearly labeled "Modification No. _." Each modification must be numbered in sequence, and must reference the original RFP. 6. Scope of Work The successful vendor must provide the services listed below: A. Functionality The successful vendor will provide and maintain electronic payment processing that meets the following criteria: 1) Secure data during its collection, transmission and storage. Data protection during collection and transmission via SSL with 128 bit encryption or better. 2) Allows credit card, debit card and e -check payments. Town of North Andover RFP Page 5 of 24 On -Line Bill Pay Services 3) Separate merchant accounts for each tax, charge or fee type. 4) Transaction and merchant fees paid will be paid by the consumer (convenience fee). 5) All convenience fees must be processed as a separate and unique transaction and not imbedded in total amount paid. 6) Payment transactions processed with "real-time" authorization. 7) Provide a confirmation number for every successful payment. 8) Scale to meet peak demand of seasonal collection cycles. 9) Provide on-line, secure payment tracking. 10) Notification by e-mail to the consumer and the Town of all charge backs. 11) Financial reports of all payments; reports available on-line. 12) Audit trail of a transaction through the entire payment cycle. 13) Must provide means of integration with internal applications via documented and delivered APIs or Web Services or secure file download in specified format. 14) Ability to pay/ view multiple bills. 15) Detailed on-line history. 16) Search for Bills by Street, license plate numbers, or other public data 17) Preferred system will allow Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies to electronically research real estate tax information, report taxes owed and remit payments on behalf of property owners for all participating Billers. 18) The vendor's web -interface will be customized to match the Town's look and feel and also have the ability to be quickly and easily changed by the vendor at the Town's request, at no cost to the Town. 19) Selected system will have ability to interface with separate system that allows for registration and payment for class/department programs (Elder Services, Recreation & Youth Services, and School Department). B. Payment Validation 1) The vendor must provide a check validation service. Town of North Andover RFP Page 6 of 24 On -Line Bill Pay Services 2) The vendor must provide check authorization service. 3) The vendor must provide real-time credit card validations. C. Payment Processing 1) Credit card payments must post to a Town's bank account as a daily batch by merchant account. Town will have several separate merchant accounts. 2) E -Check must post to Town's account as a daily batch. The batch amount must tie to one day of e -check receipts with real-time feedback on payment confirmation, authorization and transaction information (e.g. account number, permit number, invoice number, etc.) 3) ACH transactions processed by 5:00 p.m. (EST) shall be available to the Town the next business day. 4) Credit card transactions received by 5:00 p.m. (EST) shall be processed for settlement that night, and funds will be available to the Town within two (2) business days. 5) Notification by e-mail to the consumer and the Town of all charge backs within two (2) business days. Notification will include payer's name, date of payment, payment type (i.e. e -check, credit card), and payment amount. D. Reports Payment processor component must provide a report which lists each payee name, payment transaction type (credit card, debit card or ACH), payment description (i.e. receivable type and account number or fee type), and amount paid. Report must allow date parameters and be sorted by merchant account. Report must subtotal by receivable type (or permit type) and by payment type. If convenience fees charged, convenience fees must be subtotaled separately. E. Training and Customer & Technical Support: Vendor shall provide training user, administrative and development training as well as documentation for Town of North Andover technical staff prior to implementation date. F. Project Schedule The system is to be implemented and go active as of July 1, 2010. 7. Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: Town of North Andover RFP Page 7 of 24 On -Line Bill Pay Services A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Submission of separate and sealed proposal and pricing sheet. F. Submission of required statements and forms. 8. Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Advantageous 3 points Least Advantageous 1 point Does Not Meet 0 points * Response excels on the specific criterion Response meets evaluation standard for the criterion Response does not fully meet the criterion or leaves a question or issue not fully addressed Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) Town of North Andover RFP Page 8 of 24 On -Line Bill Pay Services ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) Town of North Andover RFP Page 9 of 24 On -Line Bill Pay Services ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) • Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) 9. Method for Award The contract will be awarded to the responsible and responsive vendor submitting the most advantageous proposal taking into consideration all evaluation criteria as well as price. 10. Term of Contract The Town of North Andover is seeking to award a three-year contract. Town of North Andover RFP Page 10 of 24 On -Line Bill Pay Services Town of North Andover CONTRACT DATE: This Contract is entered into on, or as of, this date by and between the Town of North Andover (the "Town"), and Contractor: Address: Telephone Number: _ Fax Number: 1. This is a Contract for the procurement of the following: 2. The Contract price to be paid to the Contractor by the Town of North Andover is: 3. Payment will be made as follows: 4. Definitions: 4.1 Acceptance: All Contracts require proper acceptance of the described goods or services by the Town of North Andover. Proper acceptance shall be understood to include inspection of goods and certification of acceptable performance for services by authorized representatives of the Town to insure that the goods or services are complete and are as specified in the Contract. Town of North Andover RFP Page 11 of 24 On -Line Bill Pay Services 4.2 Contract Documents: All documents relative to the Contract including (where used) Instructions to Bidders, Proposal Form, General Conditions, Supplementary General Conditions, General Specifications, Other Specifications included in Project Manual, Drawings, and all Addenda issued during the bidding period. The Contract documents are complementary, and what is called for by any one shall be as binding as if called for by all. The intention of the document is to include all labor and materials, equipment and transportation necessary for the proper performance of the Contract. 4.3 The Contractor: The "other party" to any Contract with the Town. This term shall (as the sense and particular Contract so require) include Vendor, Contractor, Engineer, or other label used to identify the other party in the particular Contract. Use of the term "Contractor" shall be understood to refer to any other such label used. 4.4 Date of Substantial Performance: The date when the work is sufficiently complete, the services are performed, or the goods delivered, in accordance with Contract documents, as modified by approved Amendments and Change Orders. 4.5 Goods: Goods, Supplies or Materials. 4.6 SubContractor: Those having a direct Contract with the Contractor. The term includes one who furnished material worked to a special design according to the Drawings or Specifications of this work, but does not include one who merely furnishes material not so worked. 4.7 Work: The services or materials contracted for, or both. 5. Term of Contract and Time for Performance: This Contract shall be fully performed by the Contractor in accordance with the provisions of the Contract Documents on or before , unless extended pursuant to a provision for extension contained in the Contract documents at the sole discretion of the Town, and not subject to assent by the Contractor, and subject to the availability and appropriation of funds as certified by the Town Accountant. The time limits stated in the Contract documents are of the essence of the Contract. 6. Subject to Appropriation: Notwithstanding anything in the Contract documents to the contrary, any and all payments which the Town is required to make under this Contract shall be subject to appropriation or other availability of funds as certified by the Town Accountant. In the absence of appropriation, this Contract shall be immediately terminated without liability for damages, penalties or other charges. Town of North Andover RFP Page 12 of 24 On -Line Bill Pay Services 7. Permits and Approvals: Permits, Licenses, Approvals and all other legal or administrative prerequisites to its performance of the Contract shall be secured and paid for by the Contractor. 8. Termination and Default: 8.1 Without Cause. The Town may terminate this Contract on seven (7) calendar days notice when in the best interests of the Town by providing notice to the Contractor, which shall be in writing and shall be deemed delivered and received when given in person to the Contractor, or when received by fax, express mail, certified mail return receipt requested, regular mail postage prepaid or delivered by any other appropriate method evidencing actual receipt by the Contractor. Upon termination without cause, Contractor will be paid for services rendered to the date of termination. 8.2 For Cause. If the Contractor is determined by the Town to be in default of any term or condition of this Contract, the Town may terminate this Contract on seven (7) days notice by providing notice to the Contractor, which shall be in writing and shall be deemed delivered and received when given in person to the Contractor, or when received by fax, express mail, certified mail return receipt requested, regular mail postage prepaid or delivered by any other appropriate method evidencing actual receipt by the Contractor. 8.3 Default. The following shall constitute events of a default under the Contract: 1) any material misrepresentation made by the Contractor to the Town; 2) any failure to perform any of its obligations under this Contract including, but not limited to the following: (i) failure to commence performance of this Contract at the time specified in this Contract due to a reason or circumstance within the Contractor's reasonable control, (ii) failure to perform this Contract with sufficient personnel and equipment or with sufficient material to ensure the completion of this Contract within the specified time due to a reason or circumstance within the Contractor's reasonable control, (iii) failure to perform this Contract in a manner reasonably satisfactory to the Town, (iv) failure to promptly re -perform within a reasonable time the services that were rejected by the Town as unsatisfactory, or erroneous, (v) discontinuance of the services for reasons not beyond the Contractor's reasonable control, (vi) failure to comply with a material term of this Contract, including, but not limited to, the provision of insurance and non-discrimination, (vii) any other acts specifically and expressly stated in this Contract as constituting a basis for termination of this Contact, and (viii) failure to comply with any and all requirements of state law and/or regulations, and Town bylaw and/or regulations. 9. The Contractor's Breach and the Town's Remedies: Failure of the Contractor to comply with any of the terms or conditions of this Contract shall be deemed a material breach of this Contract, and the Town of North Andover shall Town of North Andover RFP Page 13 of 24 On -Line Bill Pay Services have all the rights and remedies provided in the Contract documents, the right to cancel, terminate, or suspend the Contract in whole or in part, the right to maintain any and all actions at law or in equity or other proceedings with respect to a breach of this Contract, including damages and specific performance, and the right to select among the remedies available to it by all of the above. From any sums due to the Contractor for services, the Town may keep the whole or any part of the amount for expenses, losses and damages incurred by the Town as a consequence of procuring services as a result of any failure, omission or mistake of the Contractor in providing services as provided in this Contract. 10. Statutorompliance: 10.1 This Contract will be construed and governed by the provisions of applicable federal, state and local laws and regulations; and wherever any provision of the Contract or Contract documents shall conflict with any provision or requirement of federal, state or local law or regulation, then the provisions of law and regulation shall control. Where applicable to the Contract, the provisions of the General Laws are incorporated by reference into this Contract, including, but not limited to, the following: General Laws Chapter 30B — Procurement of Goods and Services. General Laws Chapter 30, Sec. 39, et seq: - Public Works Contracts. General Laws Chapter 149, Section 44A, et seq: Public Buildings Contracts. 10.2 Wherever applicable law mandates the inclusion of any term and provision into a municipal contract, this Section shall be understood to import such term or provision into this Contract. To whatever extent any provision of this Contract shall be inconsistent with any law or regulation limiting the power or liability of cities and towns, such law or regulation shall control. 10.3 The Contractor shall give all notices and comply with all laws and regulations bearing on the performance of the Contract. If the Contractor performs the Contract in violation of any applicable law or regulation, the Contractor shall bear all costs arising therefrom. 10.4 The Contractor shall keep itself fully informed of all existing and future State and National Laws and Municipal By-laws and Regulations and of all orders and decrees of any bodies or tribunals having jurisdiction in any manner affecting those engaged or employed in the work, of the materials used in the work or in any way affecting the conduct of the work. If any discrepancy or inconsistency is discovered in the Drawings, Specifications or Contract for this work in violation of any such law, by-law, regulation, order or decree, it shall forthwith report the same in writing to the Town. It shall, at all times, itself observe and comply with all such existing and future laws, by-laws, regulations, orders and decrees; and shall Town of North Andover RFP Page 14 of 24 On -Line Bill Pay Services protect and indemnify the Town of North Andover, and its duly appointed agents against any claim or liability arising from or based on any violation whether by him or its agents, employees or subcontractors of any such law, by-law, regulation or decree. 11. Conflict of Interest: Both the Town and the Contractor acknowledge the provisions of the State Conflict of Interest Law (General Laws Chapter 268A), and this Contract expressly prohibits any activity which shall constitute a violation of that law. The Contractor shall be deemed to have investigated the application of M.G.L. c. 268A to the performance of this Contract; and by executing the Contract documents the Contractor certifies to the Town that neither it or its agents, employees, or subcontractors are thereby in violation of General Laws Chapter 268A. 12. Certification of Tax Compliance This Contract must include a certification of tax compliance by the Contractor, as required by General Laws Chapter 62C, Section 49A (Requirement of Tax Compliance by All Contractors Providing Goods, Services, or Real Estate Space to the Commonwealth or Subdivision). 13. Discrimination The Contractor will carry out the obligations of this Contract in full compliance with all of the requirements imposed by or pursuant to General Laws Chapter 151B (Law Against Discrimination) and any executive orders, rules, regulations, and requirements of the Commonwealth of Massachusetts as they may from time to time be amended. 14. Assi _ mg Hent: Assignment of this Contract is prohibited, unless and only to the extent that assignment is provided for expressly in the Contract documents. 15. Condition of Enforceability Against the Town: This Contract is only binding upon, and enforceable against, the Town if: (1) the Contract is signed by the Town Manager or its designee; and (2) endorsed with approval by the Town Accountant as to appropriation or availability of funds; and (3) endorsed with approval by the Town Counsel as to form. 16. Corporate Contractor: If the Contractor is a corporation, it shall endorse upon this Contract (or attach hereto) its Clerk's Certificate certifying the corporate capacity and authority of the party signing this Contract for the corporation. Such certificate shall be accompanied by a letter or other Town of North Andover RFP Page 15 of 24 On -Line Bill Pay Services instrument stating that such authority continues in full force and effect as of the date the Contract is executed by the Contractor. This Contract shall not be enforceable against the Town of North Andover unless and until the Contractor complies with this section. The Contractor, if a foreign corporation, shall comply with the provisions of the General Laws, Chapter 181, Sections 3 and 5, and any Acts and Amendments thereof, and in addition thereto, relating to the appointment of the Commissioner of Corporations as its attorney, shall file with the Commissioner of Corporations a Power of Attorney and duly authenticated copies of its Charter or Certificate of Incorporation; and said Contractor shall comply with all the laws of the Commonwealth. 17. Liability of Public Officials: To the full extent permitted by law, no official, employee, agent or representative of the Town of North Andover shall be individually or personally liable on any obligation of the Town under this Contract. 18. Indemnification: The Contractor shall indemnify, defend and save harmless the Town, the Town's officers, agents and employees, from and against any and all damages, liabilities, actions, suits, proceedings, claims, demands, losses, costs, expenses, recoveries and judgments of every nature and description (including reasonable attorneys' fees) that may arise in whole or in part out of or in connection with the work being performed or to be performed, or out of any act or omission by the Contractor, its employees, agents, subcontractors, material men, and anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable, regardless of whether or not it is caused in part by any party indemnified hereunder. The Contractor further agrees to reimburse the Town for damage to its property caused by the Contractor, its employees, agents, subcontractors or material men, and anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable, including damages caused by his, its or their use of faulty, defective, or unsuitable material or equipment, unless the damage is caused by the Town's gross negligence or willful misconduct. The existence of insurance shall in no way limit the scope of the Contractor's indemnification under this contract. 19. Workers Compensation Insurance: The Contractor shall provide by insurance for the payment of compensation and the furnishing of other benefits under Chapter 152 of the General Laws of Massachusetts (The Worker's Compensation Act) to all employees of the Contractor who are subject to the provisions of Chapter 152 of the General Laws of Massachusetts. Failure to provide and continue in force such insurance during the period of this Contract shall be deemed a material breach of this Contract, shall operate as an immediate termination thereof, and Contractor shall indemnify the Town for all losses, claims, and actions resulting from the failure to provide the insurance required by this Article. Town of North Andover RFP Page 16 of 24 On -Line Bill Pay Services The Contractor shall furnish to the Town evidence of such insurance prior to the execution of this Contract before the same shall be binding on the parties thereto, except if specifically waived by the Town. 20. Documents, Materials, Etc. Any materials, reports, information, data, etc. given to or prepared or assembled by the Contractor under this Contract are to be kept confidential and shall not be made available to any individual or organization by the Contractor (except agents, servants, or employees of the Contractor) without the prior written approval of the Town, except as otherwise required by law. The Contractor shall comply with the provisions Chapter 66A of the General Laws of Massachusetts as it relates to public documents, and all other state and federal laws and regulations relating to confidentiality, security, privacy and use of confidential data. Any materials produced in whole or in part under this Contract shall not be subject to copyright, except by the Town, in the United States or any other country. The Town shall have unrestricted authority to, without payment of any royalty, commission, or additional fee of any type or nature, publicly disclose, reproduce, distribute and otherwise use, and authorize others to use, in whole or in part, any reports, data or other materials prepared under this Contract. All data, reports, programs, software, equipment, furnishings, and any other documentation or product paid for by the Town shall vest in the Town at the termination of this Contract. The Contractor shall at all times, during or after termination of this Contract, obtain the prior written approval of the Town before making any statement bearing on the work performed or data collected under this Contract to the press or issues any material for publication through any medium. 21. Audit, Inspection and Recordkeeping At any time during normal business hours, and as often as the Town may deem it reasonably necessary, there shall be available in the office of the Contractor for the purpose of audit, examination, and/or to make excerpts or transcript all records, contracts, invoices, materials, payrolls, records of personnel, conditions of employment and other data relating to all matters covered by this Agreement. 22. Payment The Town agrees to make all reasonable efforts to pay to the Contractor the sum set forth in the Contractor's bid or proposal within thirty (30) days of receipt of an invoice detailing the work completed and acceptance from the Town of the work completed. Town of North Andover RFP Page 17 of 24 On -Line Bill Pay Services 23. Waiver and Amendment Amendments, or waivers of any additional term, condition, covenant, duty or obligation contained in this Contract may be made only by written amendment executed by all signatories to the original Agreement, prior to the effective date of the amendment. To the extent allowed by law, any conditions, duties, and obligations contained in this Contract may be waived only by written Agreement by both parties. Forbearance or indulgence in any form or manner by a party shall not be construed as a waiver, nor in any manner limit the legal or equitable remedies available to that party. No waiver by either party of any default or breach shall constitute a waiver of any subsequent default or breach of a similar or different matter. 24. Forum and Choice of Law This Contract and any performance herein shall be governed by and be construed in accordance with the laws of the Commonwealth. Any and all proceedings or actions relating to subject matter herein shall be brought and maintained in the courts of the Commonwealth or the federal district court sitting in the Commonwealth, which shall have exclusive jurisdiction thereof. This paragraph shall not be construed to limit any other legal rights of the parties. 25. Notices Any notice permitted or required under the provisions of this Contract to be given or served by either of the parties hereto upon the other party hereto shall be in writing and signed in the name or on the behalf of the party giving or serving the same. Notice shall be deemed to have been received at the time of actual service or three (3) business days after the date of a certified or registered mailing properly addressed. Notice to the Contractor shall be deemed sufficient if sent to the address set forth in the Contract and to the Town of North Andover by being sent to the Town Manager, Town Hall, 120 Main Street, North Andover, Massachusetts 01845. 26. Binding on Successors: This Contract shall be binding upon the Contractor, its assigns, transferees, and/or successors in interest (and where not corporate, the heirs and estate of the Contractor). 27. Complete Contract: This instrument, together with its endorsed supplements, and the other components of the contract documents, constitutes the entire contract between the parties, with no agreements other than those incorporated herein. Town of North Andover RFP Page 18 of 24 On -Line Bill Pay Services 28. Supplemental Conditions: The foregoing provisions apply to all contracts to which the Town of North Andover shall be a party. One of the following "Supplements" must be "checked" as applicable to this Contract, shall be attached hereto, and shall in any event apply as the nature of the Contract requires. The Supplement contains additional terms governing the Contract: [ ] GOODS SUPPLEMENT "G" - Applicable to Contracts for the procurement of Goods (governed by the provisions of General Laws Chapter 30B) [ X ] SERVICES SUPPLEMENT "S" - Applicable to Contracts for the procurement of Services (governed by the provisions of General Laws Chapter 3013) [ ] CONSTRUCTION SUPPLEMENT "C" - Applicable to Contracts for Construction Town of North Andover RFP Page 19 of 24 On -Line Bill Pay Services IN WITNESS WHEREOF the parties have hereto and to two other identical instruments set forth their hands the day and year first above written. THE TOWN Division/Department Head Contract Manager Town Manager Date APPROVED AS TO FORM: Town Counsel THE CONTRACTOR Company Name Signature Print Name & Title Date CERTIFICATION AS TO AVAILABILITY OF FUNDS: Town Accountant Town of North Andover RFP On -Line Bill Pay Services Date Date Page 20 of 24 SUPPLEMENT "S" This form supplements the general provisions of the Contract between the Town of North Andover, and , which Contract is a contract for the procurement of services. "Services" shall mean furnishing of labor, time, or effort by the Contractor. This term shall not include employment agreements, collective bargaining agreements, or grant agreements. Change Orders: Change orders for contracts subject to Massachusetts General laws Chapter 30B may not increase the quantity of services by more than twenty-five (25%) per cent, in compliance with General Laws Chapter 30B, § 13. Minimum Wage/Prevailing Wage; The Contractor will carry out the obligations of this Contract in full compliance with all of the requirements imposed by or pursuant to General Laws Chapter 151, §1, et seq. (Minimum Wage Law) and any executive orders, rules, regulations, and requirements of the Commonwealth of Massachusetts as they may from time to time be amended. The Contractor will at all times comply with the wage rates as determined by the Commissioner of the Department of Labor and Industries, under the provisions of General Laws Chapter 149, 26 to 27D (Prevailing Wage), as shall be in force and as amended. Insurance: The Contractor shall obtain and maintain the following insurance: 5.1 Workers Compensation Insurance of the scope and amount required by the laws of the Commonwealth of Massachusetts. 5.2.1 Broad Form Commercial General Liability coverage with limits of at least $1 Million per occurrence and $3 Million aggregate, and which shall cover bodily injury, death, or property damage arising out of the work. 5.3 Automobile Liability Coverage, including coverage for owned, hired, or borrowed vehicles with limits of at least $1 Million per person, and $1 Million per accident. 5.4 The intent of the Specifications regarding insurance is to specify minimum coverage and minimum limits of liability acceptable under the Contract. However, it shall be the Contractor's responsibility to purchase and maintain insurance of such character and in such amounts as will adequately protect it and the Town from and against all claims, damages, losses and expenses resulting from exposure to any casualty liability in the performance of the work. 5.5 All required insurance shall be certified by a duly authorized representative of the insurers on the "MIIA" or "ACORD" Certificate of Insurance form incorporated into and made a part of this agreement. Properly executed certificates signifying adequate Town of North Andover RFP Page 21 of 24 On -Line Bill Pay Services coverage in effect for the duration of the contract with renewal certificates issued not less than 30 days prior to expiration of a policy period, must be submitted to the Town prior to commencement of this Agreement. 5.6 The Town shall be named as an additional insured on the above referenced liability policies, and the Contractor's insurance shall be the primary coverage. The cost of such insurance, including required endorsements or amendments, shall be the sole responsibility of the Contractor. 6. Indemnification: The Contractor shall indemnify, defend and save harmless the Town, its officers, agents and employees from and against any and all damages, liabilities, actions, suits, proceedings, claims, demands, losses, costs, expenses, recoveries and judgments of every nature and description (including reasonable attorneys' fees) brought or recovered against them that may arise in whole or in part out of or in connection with the work being performed or to be performed, or out of any act or omission by the Contractor, its employees, agents, subcontractors, material men, and anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable, regardless of whether or not it is caused in part by any party indemnified hereunder. The Contractor further agrees to reimburse the Town for damage to its property caused by Contractor, its employees, agents, subcontractors or material men, and anyone directly or indirectly or indirectly employed by any of them or anyone for whose acts any of them may be liable, including damages caused by his, its or their use of faulty, defective or unsuitable material or equipment, unless the damage is caused by the Town's gross negligence or willful misconduct. The existence of insurance shall in no way limit the scope of this indemnification. APPROVED AS TO FORM ONLY: TOWN OF NORTH ANDOVER Town Counsel Town Manager I CERTIFY THAT FUNDS ARE AVAILABLE IN ACCOUNT NO Department/Division Head Town Accountant THE CONTRACTOR: Date: Town of North Andover RFP On -Line Bill Pay Services Page 22 of 24 CERTIFICATIONS CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. Signature Date Print Name & Title Company Name CERTIFICATE OF TAX COMPLIANCE Pursuant to Chapter 62C of the Massachusetts General Laws, Section 49A (b), I authorized signatory for Name of individual Name of contractor do hereby certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. Signature Date Town of North Andover RFP Page 23 of 24 On -Line Bill Pay Services CERTIFICATE OF VOTE At a duly authorized meeting the Board of Directors of the held on it was VOTED, THAT (Name) (Officer) of be and hereby is authorized to execute contracts and bonds in the name and on behalf of said , and affix its corporate seal hereto; and such execution of any contract or obligation in the name of on its behalf by such officer under seal of , shall be valid and binding upon that I hereby certify that I am the clerk of the above named and is the duly elected officer as above of said and that the above vote has not been amended or rescinded and remains in full force and effect as the date of this contract. (Date) (Clerk) Town of North Andover RFP Page 24 of 24 On -Line Bill Pay Services Legal Ad for Eagle -Tribune The Town of North Andover (`Town') is soliciting Request for Proposals (RFP) for on-line bill pay services. The Town intends to collect various payments via the internet (pay -on-line) from customers using e -checks, credit cards or debit cards. The Town of North Andover is seeking to award a three-year contract for on-line bill pay services. The complete RFP is available on the Town website (www.townofnorthandover.com) under "Available Bids, Quotes and Proposals". The Town will only accept proposals delivered in person or by mail. All proposals must be received by 2:00 p.m. on Wednesday, March 31, 2010 to be considered. The Town of North Andover may cancel this RFP or reject in whole or in part any and all proposals, if they determine that cancellation or rejection serves the best interest of the Town of North Andover. SPR Goods and Services Submit Confirmation State Publications and Regulations William Francis Galvin, Secretary of the Commonwealth Page 1 of 1 The following Goods and Services submission was successfully received. Planned date of publish is 3/1/2010 Awarding Agency Agency Name! and Address: own of North Andover 120 Main Street North Andover, MA 01845 Bid Number: Contact Information Name: Ray Santilli Title: Assistant Town Manager Phone: —� Email Address: 978-688-9516 Fax 978-688-9556 rsantilli(atownofnorthandover.com Notify email address listed when final publish date assigned. Address: (if different from above) Description Request for Proposals - On -Line Bill Pay Services Contract Information Estimated F Duration 3 years Bid Release Date 03-01-10 Release Time 11:00 a.m. Bid Deadline Date 03-31-10 Deadline Time 2:00 p.m. Additional Information Complete Request for Proprosals document will be available on 03 -01 - 1.0 at 11:00 a.m. at www.townofnorthandover.com by clicking on 'Available Bids, Quotes and Proposals'. This page can be printed for your records. Lw Add Another httt)://www.sec.state.ma.us/sr)raublicforms/GSSubmitConfirmation.asnx?ID=45697 2/24/2010 3 �a K CD N (noR RK OC&CDO 00 OD 0 w c $, � 3 — a MO)c OX coca 0 667 - cc OOK cc> 0 CD -4 CD a) A- 2. CD > Pon CD U) 0 cD 3 m x 0 . 0 -4 (00 !2 MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 TOWN OF NORTH ANDOVER, MA Request For Proposal On -Line Bill Pay Service MCC continues to be the only company providing a "one source" solution to meet the growing demands placed on Municipalities for their information. The versatility of eBill allows you to display any bill online to your residents. Currently, bill payers of participating cities and towns are paying such bills as Real Estate / Personal Property Tax, Excise Tax, Water/Sewer, Parking Tickets, Permits, Trash Fees, Park & Recreation, School fees, any bill. Your bill payers will have one online location to pay all their Municipal bills. They can review their online payment history, receive email notifications when bills are available online, and pay bills using multiple payment methods. All Tax Services, Banks, Mortgage Companies, Title Companies, etc. have one online location where they can research, remit and receive your verified Real Estate Tax information. With MCC's services they will have the ability to manage all their accounts using portfolio manager, search tools, custom reports, and file exports. MCC's One Source approach helps you decrease the amount of time spent on tax requests received by mail, phone, fax and email. Our goal is to extend and enhance your current capabilities while working in harmony with your current systems, approaches, and vendors. MCC eBill Metropolitan Communication, LLC (MCC) has been providing online bill payment/processing solutions to Municipalities since 2002. Currently we are servicing over 120 Municipalities in and around the New England area (client list enclosed); 86 of those clients are in Massachusetts. MCC's offers payments to be made by ACH and all 4 major Credit Cards (bill types restrictions may apply). The Town can also use eBill to streamline their bulk escrow processing by offering an online outlet to their Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) Scope of Work: A. Functionality 1. MCC uses only the most up-to-date security technology: Payment Security eBill ACH and Credit Card processing implements the highest standards in payment information security. There are numerous components which helps to assure the security and accuracy of payment transaction Data Information MCC stores additional information with every transaction to create an audit trail which includes information such as user ID, transaction date and time, and status. This style of information is available for Billers and Bill Payers to verify payments. Transaction Standards eBill adheres to standards and guidelines set forth by NEACH (New England Automated Clearing House) and NACHA (National Automated Clearing House Association), as well as our participating Credit Card companies. Systems Monitoring MCC constantly monitors and logs its users' experience to verify that all users are accessing information properly. This helps safeguard against those who may try to inappropriately obtain bill or payment information. Third Party Auditing eBill payments are routed through the Biller and ACH Bank along with participating Credit Card companies. This allows for additional transaction history records to be filed with these companies for eBill auditing purposes. PCI and PABP/PA-DSS MCC is currently in the process of working with a new credit card processor to assure that we are up-to-date with the most current credit card security and standards. PCI are security standards for an application, while PABP/PA-DSS concerns a network security. VISA has required, by July 2010, all merchants must be PABP/PA-DSS compliant (you should already be PCI complaint to offer credit cards online, which MCC is. Certificate enclosed.) In the past several months all other credit card companies have also adopted these standards. MCC is PABP/PA-DSS certified. Web Security At MCC, we are committed to protecting your information. We take many precautions to ensure all of your information is stored and processed safely and securely. Firewalls All data transmitted through the eBill website is stored behind an ICSA Certified firewall where every measure is taken to ensure the safety and security of users' information. Thwate Certified This certification allows us to utilize SSL security and ensures that our site is authentic. 128 -bit SSL Encryption We employ powerful 128 -bit encryption technology and Secure Socket Layers (SSL) in I all areas where your personal identity is required. All transaction information is processed under encrypted channels. Restricted Access Access to confidential information is restricted to authorized personnel within our company to provide maxim security to all account information. IP Manager Billers and ACH Banks have the ability to set the IP Addresses of their users' computers. This allows only certain computers to have access to the eBill site, denying the ability for people to login from computers that are not designated as safe. Offsite Backup All information is backed up daily and kept at an offsite storage area. This storage area is accessed only by Principal Members of MCC. 2. MCC offers payments to be made by ACH, (electronic check-savings/checking account) MasterCard, Discover, AMEX, VISA (VISA may only be used for Tax Payments) 3. MCC will create merchant accounts for the Town so they make process credit card payments. MCC separates deposits by payment type (ACH and Credit Cards) and bill type (Municipal Tax, Excise, Utility, etc.) allowing for easy reconciliation. 4. All transactional convenience fees (Credit Card and ACH) are paid by the Bill Payer (resident, consumer.) 5. All convenience fees are processed as separate and unique transactions and are not imbedded in the total amount paid. All transactions made online are shown on the Bill Payers statement as two (2) line items. The first transaction item will display the Town's name, the type of payment they submitted, i.e. Municipal Tax, Excise Tax, Utility, etc. and the dollar amount going to the Town. The second will show MCC convenience fee and the amount. 6. All Credit Card payments are processed in a real-time authorization. As soon as the Bill Payer clicks on the "Agree & Submit" button MCC and the Merchant Credit Card Processor verify and authorize the credit card information the Bill Payer has entered online. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Routing Number database for correctness. If the Bill Payer enters an incorrect Routing number they will be notified online and asked to reenter their Routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. 7. MCC sends the Bill Payer a payment confirmation email after the payment has been submitted online, per bill. This confirmation number can also be found under the Bill Payer's Payment History. 8. MCC understands and adheres to the Town's peak billing schedule and assures that the online bill payment system will be up and running to its' best abilities. 9. To make a payment on MCC's site Bill Payers must register for an eBill account and then log into that account using a valid email address or username and password. Registering and creating an eBill account assures that all payments being made online can be tracked by the Town and MCC. 10. Should a credit card chargeback or ACH failure occur MCC notifies the Bill Payer and the Town of it's details. MCC works with all parties concerned to assure the chargeback and/or failure is resolved. 11. MCC's Biller Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation (all reports are accessible via the web.) The Payment Report provides real time, instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 12. In addition to payment confirmation numbers, all transactions made online are assigned a unique, non -sequential eBill number for tracking purposes. Internally, MCC also utilizes tracking mechanisms and audit trails that protect against fraudulent activity. ACH payments made on a given day are assigned an ACH File ID, allowing for the Town to match and reconcile online payments with the deposits hitting the Town's bank account. This ACH file ID is accessible to the Town via various online reports. 13. MCC works with the Town's internal collection vendor. The posting/payment file sent to the Town will be in the Town's Collection Vendor's format. MCC also allows the Town to offer online bill payment with seamless integration into the Town's website, utilizing MCC's True Virtual Host, (TVH document enclosed.) 14. MCC offers a Payment Cart feature that allows for Bill Payers to pay multiple bills at once. The Bill Payer can search for each bill individually, add each bill to their Payment Cart and finally "check-out" and make their payment. Each bill will show as separate transactions on their bank or credit card statement. 15. Both the Bill Payer and Town have access to detailed online reporting. The Bill Payer has access to their Payment Report which stores a history and payment details/dates of all payments made online. MCC's Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation. The Payment Report provides real time, instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 16. The Bill Payer has the ability to search by specific details for each bill type: Real Estate / Personal Property- Bill Number, Assessed Owner, Prop. Location Utili - Bill Number, Service Location, Account Number Motor Vehicle Excise- Plate Number, Bill Number 17. MCC allows Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) to electronically research real estate tax information, report taxes owed and remit payments on behalf on property owners for the City. MCC's Bill Processor services provide Tax Collection Office's the ability to streamline their bulk collection process by implementing a web -based solution. MCC's Bill Processor benefits and highlights include: ■ Tax Collection Office is virtual; 24/7 to your Bill Processors ■ Reduces research time to locate appropriate bills ■ Reduces phone calls and walk-ins made to the Tax Collection Office ■ A "one-stop shop" for Bill Processors to obtain and return files ■ Receive payment files electronically in a format that can be imported into the City's system ■ Decreases manual data entry time to enter bill payment information ■ Decreases manual data entry errors during research and data entry time ■ Decreases the time it takes to correct inaccurate information being sent to the Tax Collection Office ■ Have access to online reports of current and past data ■ Back-up your data online ■ Use MCC's Customer Support team as an extension to your Tax Collection Office 18. MCC's Virtual Hosting capability allows the Town to offer bill paying (eBill) with seamless integration into the Town's website. Even though the Virtual Hosting website has a similar appearance to the Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. As an eBill Premier client, should changes need to be made to the Town's website, MCC will make the appropriate updates to the Register and Login link at no cost to the Town. 19. MCC provides many services/products designed to meet the specific needs of various Town departments/organizations. B. Payment Validation 1. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Routing Number database for correctness. If the Bill Payer enters an incorrect routing number they will be notified online and asked to reenter their routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. 2. See above 3. When making a credit card payment all information being entered by the Bill Payer is validated and authorized in real-time i.e. name on card, billing address, credit card number, and expiration date. C. Payment Processing 1. MCC batches Credit Card payments per day, per bill type (Real Estate Tax, Utility, Excise, etc.,) per payment type (AMEX, MasterCard, Discover, VISA.) Funds are deposited into the Town's bank account of choice. 2. MCC batches all ACH payments made on a given day and deposits the funds into the Town's bank account. Each ACH batch deposited into the Town's bank account is assigned a unique ACH File ID (shown in the description field on the Town's bank statement along with the bill type i.e. Municipal tax, Excise, Utility, etc.) that corresponds to the Payment/Posting file on eBill. The Town has the ability to view and print the details of the Posting file online. The Posting file contains a Unique identifier i.e. Account number and/or bill number so the Town can easily post the online payment into Town's Collection System. 3. MCC's ACH process begins at 8AM every business day. Payments made the day before and before 8AM will be made available to the Town the following business day. 4. All Credit Card payments are authorized in real-time and processed by midnight on the payment date. The payment settles within 2-3 business days, depending on card type and made available to the Town. 5. MCC is electronically notified by the Town's Bank of any ACH failures or NOC's. MCC will send the Bill Payer an email notification with the details of the failed payment. Any saved bank information the Bill Payer has stored under their eBill account is deleted. The Town is also sent an email notification with the details of the failed payment and the record of the payment within the Posting file is deleted. Furthermore, the payment is noted as "failed" on the Town's Payment Report. D. Reports eBill provides the Town with a Payment report which is real-time and instantaneous, as soon as a Bill Payer submits their payment it is shown on the Payment Report. Totals are provided at the bottom of each page of the Payment Report: total amount for ACH, Credit Card and grand totals. This report is also exportable into PDF, EXCEL, and WORD. This report is sortable by clicking on the column's heading. Under the Payment Report the Town is able to submit a date range or search by the individual Bill Payers name or ACH File ID. In addition to the Payment Report, MCC provides the Town with a Receive Files page which displays all deposits being made into the Town's bank account(s). By clicking on the File Name the Town is able to view a detailed report of the individual payments within the file/batch. Also, from the Receive Files page, as an added feature to the Town and the Bill Payer, the Town is able to send each Bill Payer, apart of the batch, an email stating that the Town has received and posted their payment. E. Training and Customer & Technical Support MCC can provide training and demos onsite and online. With eBill, MCC provides live customer support to the Town as well as the Town's Bill Payers M -F, 9AM-5PM. On weekends all customer support related questions are answered via email the first returning business day. MCC Also has various documents to assist the Town, they can be provided upon req uest. F. Project Schedule eBill for the Town can be implemented and go live before July 1, 2010. MCC will work with the Town throughout the setup process assuring that all date requirements at met. Proposal Signature: Anita Peterson Marketing/Sales Manager MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 CERTIFICATIONS CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. Signature Print N# & Title Date &-1%/G — AA 6 Company Name CERTIFICATE OF TAX COMPLIANCE ursuant to Chapter/ 62C of the Massachusetts General Laws, Section 49A (b), I A , authorized signatory for (,� Name oin ividual Name of contractor do here y certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. Signature Date Town of North Andover RFP Page 23 of 24 On -Line Bill Pay Services MCC eBiII References eBill Client Contact Title Phone # Client Since Pittsfield MA Marilyn Sheehan Tax Collector 413-499-9422 05/2006 Dracut MA Debbie Barton Tax Collector 978-452-1801 06/2002 Tewksbury MA Lorraine Langlois Tax Collector 978-640-4340 10/2006 Marlborough MA Debbie Puleo Tax Collector 508-460-3735 2001 Marshfield MA Nancy Holt T/C 781-834-5544 05/2006 MCC eBill Online Bill Payment Service Authentication All Bill Payers must register and login with a valid email address and password. Any Bill Type Any Municipal bill type can be made available online to Bill Payers to make payments on. Payment Cart Bill Payers can add all their Municipal bills to a payment cart and make one easy payment. Schedule Payments Bill Payers can schedule any type of payment using Credit Card or ACH for a future date (before the cut -off -date.) Payment Options Offers the use of both ACH (electronic check) and Credit Card(s) Export Bill File Bill information is sent as an export file in the Town's vendor format. Bill Information is processed, verified, and made available online. Verification of After information is processed the Town verifies bill information before it is Information made available online. Town Control The Town should have control over the type of payments their Bill Payers are allowed to submit online, such as Partial, Over and Duplicate payments Allows the Town to offer bill paying with SEAMLESS integration into the True Virtual Host town's website. Bill paying website appears to the Bill Payer as though they are still on the Town's website Customization Bill paying website is created and maintained in-house allowing changes to be made to accommodate the Town's preferences. Import Payment File Vendor formatted payment files are electronically sent to the Town and importable into a collection system. Tax Services Tax Services, Mortgage Companies, Banks, etc. can look -up, send, and receive Real Estate Tax information from one online location. Direct Pay Tax Services, Mortgage Companies, Banks, etc. can ACH escrow payments directly to the Town. ACH Bank Option Towns can deposit online payment funds into an ACH bank of their choice. MCC eBill Clients Massachusetts 1. Arlington 24. Foxborough 47. Melrose 70. Stow 2. Ashland 25. Framingham 48. Mendon 71. Sutton 3. Barnstable 26. Harvard 49. Millbury 72. Swampscott 4. Belmont 27. Harwich 50. Monson 73. Templeton 5. Bolton 28. Hingham 51. New Bedford 74. Tewksbury 6. Brewster 29. Holland 52. Newburyport 75. Truro 7. Burlington 30. Holyoke 53. Northborough 76. Upton 8. Canton 31. Hopedale 54. Norton 77. Uxbridge 9. Chatham 32. Hudson 55. Orleans 78. Walpole 10. Chelmsford 33. Hull 56. Paxton 79. Wareham 11. Clinton 34. Lancaster 57. Pittsfield 80. Wayland 12. Cohasset 35. Leominster 58. Reading 81. Wellesley 13. Dartmouth 36. Lexington 59. Rockland 82. Westborough 14. Dedham 37. Lowell 60. Sandwich 83. Westport 15. Dennis 38. Lynn 61. Saugus 84. West Boylston 16. Dighton 39. Malden 62. Seekonk 85. West Bridgewater 17. Dracut 40. Marblehead 63. Sharon 86. Wilmington 18. Duxbury 41. Marion 64. Shirley 87, Winthrop 19. East Bridgewater 42. Marlborough 65. Shrewsbury 88. Woburn 20. Eastham 43. Marshfield 66. Somerset 89. Yarmouth 21. Erving NEW! 44. Mashpee 67. Somerville 22. Falmouth 45. Mattapoisett 68. Spencer 23. Fitchburq 46. Medford 69. Stoneham Connecticut 90. Andover 95. Farmington 100. Monroe 105. Roxbury 91. Barkhamsted 96. Groton 101. Plymouth 106. Sherman 92. Bolton 97. Haddam 102. Pomfret 107. Stratford 93. Canterbury NEW! 98. Litchfield 103. Putnam 108. Washington 94. Fairfield 99. Mansfield 104. Ridgefield Georgia New Hampshire New Jersey Rhode Island 109. Canton 110. Gilmanton 116. Bayonne 120. Providence 111. Littleton 117. Irvington 112. New London 118. Neptune Vermont 113. Newmarket 119. Wall 114. Portsmouth NEW! 121. Hartford 115. Sandown NEW! 122. Richmond MCC eSchool Clients Massachusetts 1. Advanced Math & Science Charter School 2. Hudson Public Schools 3. Lexington Public Schools 4. Melrose Public Schools 5. Tewksbury Public Schools NEW! 6. Wareham Public Schools www.mcc.net l k z 5- is t�x Mime -46 4 IS : as FX 10 � b 0 MCC's MCC's Virtual Hosting capability allows you to offer bill paying (eBill) with seamless integration into your City/Town's website. Even though the Virtual Hosting website has a similar appearance to your City/Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. tti4o..r.f6.�ieiM/arkN. dr&•YN.s �,pktir.t`es+�r Bill Payment on your Town's website Log into eBill and pay Municipal bills MCC's role as host is to not only to make the bill paying service as simple as possible, but also to ensure that the service is secure and available 24 hours a day, 7 days a week. /'—*•-8a- o -IJ• Register for online bill payment A_� � dvantages • Presents to the bill payer as though they are still on the City/Town's website • Email notifications present to the bill payer as though they are sent from the City/Town directly • Creates more traffic on the City/Town's website • Uses MCC customer support • Easy to implement MCC eBill Premier Pricing Schedule North Andover MA March 17, 2010 eBill Premier Setup Cost Annual Cost Setup $500.00 ■ eBill Premier (Bill Payer and Bill Processor) ■ Minimum 4 escrow remitting Bill Processors per Waived: eBill Premier - installment Minimum 4 escrow ■ eBill Account Setup remitting Bill Processors per ■ Import/Export file setup installment ■ Website integration / MCC True Virtual Host ■ Credit Card Setup o DBA accounts (credit card merchant number) ■ ACH Setup o Automatic / electronic deposits o Bank Setup ■ Online and onsite training Annual cost $750:00 ■ Maintenance • Hosting Waived: eBill Premier- • Customer support (email and phone) Minimum 4 escrowremitting Bill Processors o Resident per installment o Collection Office ■ Version upgrades ■ True Virtual Host: $125 (Waived if Advertising Campaign is displayed) Additional costs: To Bill Payers ■ Credit Card: Percentage fee ■ ACH Fees: $0.25 per fee, per transaction *Fees to Bill Payers can be incurred by Municipality Total Setup Cost: $0 Total Annual Cost: 1 $0 -Custom Development: A cost may be charged for custom development work / hours. This cost will be discussed with the Municipality prior to charges. -Custom development for new file/bill type setup: $250.00 — $500.00. This cost will be discussed with the Municipality prior to charges. -Add-ons with hardware may include but are not excluded to configuration costs, maintenance costs and incidental costs. Hardware costs are subject to change according to market prices. -Changes to Municipalities website / TVH or Bank may incur setup / development costs. -MCC offers discount options to Billers. Please contact your MCC Representative to find out more. -All fees are non-refundable Biller Initials: Date: By initializing the MCC Pricing Schedule the Biller accepts the proposed costs and would like to move forward with the aforementioned services/products. MCC will send you an agreement that will include this Pricing Schedule. MCC 2 Mount Royal Ave Suite 310 Marlborough, MA 01752 P: (508) 460-6000 F: (508) 460-6050 www.mcc.net 3 Cn N) C) 0 00 00 CD CO a) m 2 o 00, 66 - c - C) 0 cn o cn CD NJ :3 CD > goo. 0 3 (Do MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 TOWN OF NORTH ANDOVER, MA Request For Proposal On -Line Bill Pay Service MCC continues to be the only company providing a "one source" solution to meet the growing demands placed on Municipalities for their information. The versatility of eBill allows you to display any bill online to your residents. Currently, bill payers of participating cities and towns are paying such bills as Real Estate / Personal Property Tax, Excise Tax, Water/Sewer, Parking Tickets, Permits, Trash Fees, Park & Recreation, School fees, any bill. Your bill payers will have one online location to pay all their Municipal bills. They can review their online payment history, receive email notifications when bills are available online, and pay bills using multiple payment methods. All Tax Services, Banks, Mortgage Companies, Title Companies, etc. have one online location where they can research, remit and receive your verified Real Estate Tax information. With MCC's services they will have the ability to manage all their accounts using portfolio manager, search tools, custom reports, and file exports. MCC's One Source approach helps you decrease the amount of time spent on tax requests received by mail, phone, fax and email. Our goal is to extend and enhance your current capabilities while working in harmony with your current systems, approaches, and vendors. MCC eBill Metropolitan Communication, LLC (MCC) has been providing online bill payment/processing solutions to Municipalities since 2002. Currently we are servicing over 120 Municipalities in and around the New England area (client list enclosed); 86 of those clients are in Massachusetts. MCC's offers payments to be made by ACH and all 4 major Credit Cards (bill types restrictions may apply). The Town can also use eBill to streamline their bulk escrow processing by offering an online outlet to their Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) Scope of Work: A. Functionality 1. MCC uses only the most up-to-date security technology: Payment Security eBill ACH and Credit Card processing implements the highest standards in payment information security. There are numerous components which helps to assure the security and accuracy of payment transaction Data Information MCC stores additional information with every transaction to create an audit trail which includes information such as user ID, transaction date and time, and status. This style of information is available for Billers and Bill Payers to verify payments. Transaction Standards eBill adheres to standards and guidelines set forth by NEACH (New England Automated Clearing House) and NACHA (National Automated Clearing House Association), as well as our participating Credit Card companies. Systems Monitoring MCC constantly monitors and logs its users' experience to verify that all users are accessing information properly. This helps safeguard against those who may try to inappropriately obtain bill or payment information. Third Party Auditing eBill payments are routed through the Biller and ACH Bank along with participating Credit Card companies. This allows for additional transaction history records to be filed with these companies for eBill auditing purposes. PCI and PABP/PA-DSS MCC is currently in the process of working with a new credit card processor to assure that we are up-to-date with the most current credit card security and standards. PCI are security standards for an application, while PABP/PA-DSS concerns a network security. VISA has required, by July 2010, all merchants must be PABP/PA-DSS compliant (you should already be PCI complaint to offer credit cards online, which MCC is. Certificate enclosed.) In the past several months all other credit card companies have also adopted these standards. MCC is PABP/PA-DSS certified. Web Security At MCC, we are committed to protecting your information. We take many precautions to ensure all of your information is stored and processed safely and securely. Firewalls All data transmitted through the eBill website is stored behind an ICSA Certified firewall where every measure is taken to ensure the safety and security of users' information. Thwate Certified This certification allows us to utilize SSL security and ensures that our site is authentic. 128 -bit SSL Encryption We employ powerful 128 -bit encryption technology and Secure Socket Layers (SSL) in 41 all areas where your personal identity is required. All transaction information is processed under encrypted channels. Restricted Access Access to confidential information is restricted to authorized personnel within our company to provide maxim security to all account information. IP Manager Billers and ACH Banks have the ability to set the IP Addresses of their users' computers. This allows only certain computers to have access to the eBill site, denying the ability for people to login from computers that are not designated as safe. Offsite Backup All information is backed up daily and kept at an offsite storage area. This storage area is accessed only by Principal Members of MCC. 2. MCC offers payments to be made by ACH, (electronic check-savings/checking account) MasterCard, Discover, AMEX, VISA (VISA may only be used for Tax Payments) 3. MCC will create merchant accounts for the Town so they make process credit card payments. MCC separates deposits by payment type (ACH and Credit Cards) and bill type (Municipal Tax, Excise, Utility, etc.) allowing for easy reconciliation. 4. All transactional convenience fees (Credit Card and ACH) are paid by the Bill Payer (resident, consumer.) 5. All convenience fees are processed as separate and unique transactions and are not imbedded in the total amount paid. All transactions made online are shown on the Bill Payers statement as two (2) line items. The first transaction item will display the Town's name, the type of payment they submitted, i.e. Municipal Tax, Excise Tax, Utility, etc. and the dollar amount going to the Town. The second will show MCC convenience fee and the amount. 6. All Credit Card payments are processed in a real-time authorization. As soon as the Bill Payer clicks on the "Agree & Submit" button MCC and the Merchant Credit Card Processor verify and authorize the credit card information the Bill Payer has entered online. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Routing Number database for correctness. If the Bill Payer enters an incorrect Routing number they will be notified online and asked to reenter their Routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. 7. MCC sends the Bill Payer a payment confirmation email after the payment has been submitted online, per bill. This confirmation number can also be found under the Bill Payer's Payment History. 8. MCC understands and adheres to the Town's peak billing schedule and assures that the online bill payment system will be up and running to its' best abilities. 9. To make a payment on MCC's site Bill Payers must register for an eBill account and then log into that account using a valid email address or username and password. Registering and creating an eBill account assures that all payments being made online can be tracked by the Town and MCC. 10. Should a credit card chargeback or ACH failure occur MCC notifies the Bill Payer and the Town of it's details. MCC works with all parties concerned to assure the chargeback and/or failure is resolved. 11. MCC's Biller Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation (all reports are accessible via the web.) The Payment Report provides real time, instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 12. In addition to payment confirmation numbers, all transactions made online are assigned a unique, non -sequential eBill number for tracking purposes. Internally, MCC also utilizes tracking mechanisms and audit trails that protect against fraudulent activity. ACH payments made on a given day are assigned an ACH File ID, allowing for the Town to match and reconcile online payments with the deposits hitting the Town's bank account. This ACH file ID is accessible to the Town via various online reports. 13. MCC works with the Town's internal collection vendor. The posting/payment file sent to the Town will be in the Town's Collection Vendor's format. MCC also allows the Town to offer online bill payment with seamless integration into the Town's website, utilizing MCC's True Virtual Host, (TVH document enclosed.) 14. MCC offers a Payment Cart feature that allows for Bill Payers to pay multiple bills at once. The Bill Payer can search for each bill individually, add each bill to their Payment Cart and finally "check-out" and make their payment. Each bill will show as separate transactions on their bank or credit card statement. 15. Both the Bill Payer and Town have access to detailed online reporting. The Bill Payer has access to their Payment Report which stores a history and payment details/dates of all payments made online. MCC's Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation. The Payment Report provides real time, J0 instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 16. The Bill Payer has the ability to search by specific details for each bill type: Real Estate / Personal Property- Bill Number, Assessed Owner, Prop. Location Utili - Bill Number, Service Location, Account Number Motor Vehicle Excise- Plate Number, Bill Number 17. MCC allows Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) to electronically research real estate tax information, report taxes owed and remit payments on behalf on property owners for the City. MCC's Bill Processor services provide Tax Collection Office's the ability to streamline their bulk collection process by implementing a web -based solution. MCC's Bill Processor benefits and highlights include: ■ Tax Collection Office is virtual; 24/7 to your Bill Processors ■ Reduces research time to locate appropriate bills ■ Reduces phone calls and walk-ins made to the Tax Collection Office ■ A "one-stop shop" for Bill Processors to obtain and return files ■ Receive payment files electronically in a format that can be imported into the City's system ■ Decreases manual data entry time to enter bill payment information ■ Decreases manual data entry errors during research and data entry time ■ Decreases the time it takes to correct inaccurate information being sent to the Tax Collection Office ■ Have access to online reports of current and past data ■ Back-up your data online ■ Use MCC's Customer Support team as an extension to your Tax Collection Office 18. MCC's Virtual Hosting capability allows the Town to offer bill paying (eBill) with seamless integration into the Town's website. Even though the Virtual Hosting website has a similar appearance to the Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. As an eBill Premier client, should changes need to be made to the Town's website, MCC will make the appropriate updates to the Register and Login link at no cost to the Town. 19. MCC provides many services/products designed to meet the specific needs of various Town departments/organizations. B. Payment Validation 1. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Routing Number database for correctness. If the Bill Payer enters an incorrect routing number they will be notified online and asked to reenter their routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. 2. See above 3. When making a credit card payment all information being entered by the Bill Payer is validated and authorized in real-time i.e. name on card, billing address, credit card number, and expiration date. C. Payment Processing 1. MCC batches Credit Card payments per day, per bill type (Real Estate Tax, Utility, Excise, etc.,) per payment type (AMEX, MasterCard, Discover, VISA.) Funds are deposited into the Town's bank account of choice. 2. MCC batches all ACH payments made on a given day and deposits the funds into the Town's bank account. Each ACH batch deposited into the Town's bank account is assigned a unique ACH File ID (shown in the description field on the Town's bank statement along with the bill type i.e. Municipal tax, Excise, Utility, etc.) that corresponds to the Payment/Posting file on eBill. The Town has the ability to view and print the details of the Posting file online. The Posting file contains a Unique identifier i.e. Account number and/or bill number so the Town can easily post the online payment into Town's Collection System. 3. MCC's ACH process begins at 8AM every business day. Payments made the day before and before 8AM will be made available to the Town the following business day. 4. All Credit Card payments are authorized in real-time and processed by midnight on the payment date. The payment settles within 2-3 business days, depending on card type and made available to the Town. 5. MCC is electronically notified by the Town's Bank of any ACH failures or NOC's. MCC will send the Bill Payer an email notification with the details of the failed payment. Any saved bank information the Bill Payer has stored under their eBill account is deleted. The Town is also sent an email notification with the details of the failed payment and the record of the payment within the Posting file is deleted. Furthermore, the payment is noted as "failed" on the Town's Payment Report. D. Reports eBill provides the Town with a Payment report which is real-time and instantaneous, as soon as a Bill Payer submits their payment it is shown on the Payment Report. Totals are provided at the bottom of each page of the Payment Report: total amount for ACH, Credit Card and grand totals. This report is also exportable into PDF, EXCEL, and WORD. This report is sortable by clicking on the column's heading. Under the Payment Report the Town is able to submit a date range or search by the individual Bill Payers name or ACH File ID. In addition to the Payment Report, MCC provides the Town with a Receive Files page which displays all deposits being made into the Town's bank account(s). By clicking on the File Name the Town is able to view a detailed report of the individual payments within the file/batch. Also, from the Receive Files page, as an added feature to the Town and the Bill Payer, the Town is able to send each Bill Payer, apart of the batch, an email stating that the Town has received and posted their payment. E. Training and Customer & Technical Support MCC can provide training and demos onsite and online. With eBill, MCC provides live customer support to the Town as well as the Town's Bill Payers M -F, 9AM-5PM. On weekends all customer support related questions are answered via email the first returning business day. MCC Also has various documents to assist the Town, they can be provided upon request. F. Project Schedule eBill for the Town can be implemented and go live before July 1, 2010. MCC will work with the Town throughout the setup process assuring that all date requirements at met. Proposal Signature: - 4i4a&zm 3-1.7 -Jo Anita Peterson Marketing/Sales Manager MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 MCC eBill Online Bill Payment Service Authentication All Bill Payers must register and login with a valid email address and password. Any Bill Type Any Municipal bill type can be made available online to Bill Payers to make payments on. Payment Cart Bill Payers can add all their Municipal bills to a payment cart and make one easy payment. Schedule Payments Bill Payers can schedule any type of payment using Credit Card or ACH for a future date (before the cut -off -date.) Payment Options Offers the use of both ACH (electronic check) and Credit Card(s) Export Bill File Bill information is sent as an export file in the Town's vendor format. Bill Information is processed, verified, and made available online. Verification of After information is processed the Town verifies bill information before it is Information made available online. Town Control The Town should have control over the type of payments their Bill Payers are allowed to submit online, such as Partial, Over and Duplicate payments Allows the Town to offer bill paying with SEAMLESS integration into the True Virtual Host town's website. Bill paying website appears to the Bill Payer as though they are still on the Town's website Customization Bill paying website is created and maintained in-house allowing changes to be made to accommodate the Town's preferences. Import Payment File Vendor formatted payment files are electronically sent to the Town and importable into a collection system. Tax Services Tax Services, Mortgage Companies, Banks, etc. can look -up, send, and receive Real Estate Tax information from one online location. Direct Pay Tax Services, Mortgage Companies, Banks, etc. can ACH escrow payments directly to the Town. ACH Bank Option Towns can deposit online payment funds into an ACH bank of their choice. MCC eBiII References eBill Client Contact Title Phone # Client Since Pittsfield MA Marilyn Sheehan Tax Collector 413-499-9422 05/2006 Dracut MA Debbie Barton Tax Collector 978-452-1801 06/2002 Tewksbury MA Lorraine Langlois Tax Collector 978-640-4340 10/2006 Marlborough MA Debbie Puleo Tax Collector 508-460-3735 2001 Marshfield MA Nancy Holt T/C 781-834-5544 05/2006 MCC eBill Clients Massachusetts 1. Arlington 24. Foxborough 47. Melrose 70. Stow 2. Ashland 25. Framingham 48. Mendon 71. Sutton 3. Barnstable 26. Harvard 49. Millbury 72. Swampscott 4. Belmont 27. Harwich 50. Monson 73. Templeton 5. Bolton 28. Hingham 51. New Bedford 74. Tewksbury 6. Brewster 29. Holland 52. Newburyport 75. Truro 7. Burlington 30. Holyoke 53. Northborough 76. Upton 8. Canton 31. Hopedale 54. Norton 77. Uxbridge 9. Chatham 32. Hudson 55. Orleans 78. Walpole 10. Chelmsford 33. Hull 56. Paxton 79. Wareham 11. Clinton 34. Lancaster 57. Pittsfield 80. Wayland 12. Cohasset 35. Leominster 58. Reading 81. Wellesley 13. Dartmouth 36. Lexington 59. Rockland 82. Westborough 14. Dedham 37. Lowell 60. Sandwich 83. Westport 15. Dennis 38. Lynn 61. Saugus 84. West Boylston 16. Dighton 39. Malden 62. Seekonk 85. West Bridgewater 17. Dracut 40. Marblehead 63. Sharon 86. Wilmington 18. Duxbury 41. Marion 64. Shirley 87. Winthrop 19. East Bridgewater 42. Marlborough 65. Shrewsbury 88. Woburn 20. Eastham 43. Marshfield 66. Somerset 89. Yarmouth 21. Erving NEW! 44. Mashpee 67. Somerville 22. Falmouth 45. Mattapoisett 68. Spencer 23. Fitchburq 46. Medford 69. Stoneham Connecticut 90. Andover 95. Farmington 100. Monroe 105. Roxbury 91. Barkhamsted 96. Groton 101. Plymouth 106. Sherman 92. Bolton 97. Haddam 102. Pomfret 107. Stratford 93. Canterbury NEW! 98. Litchfield 103. Putnam 108. Washington 94. Fairfield 99. Mansfield 104. Ridgefield Georgia New Hampshire New Jersey Rhode Island 109. Canton 110. Gilmanton 116. Bayonne 120. Providence 111. Littleton 117. Irvington 112. New London 118. Neptune Vermont 113. Newmarket 119. Wall 114. Portsmouth NEW! 121. Hartford 115. Sandown NEW! 122. Richmond MCC eSchool Clients Massachusetts 1. Advanced Math & Science Charter School 2. Hudson Public Schools 3. Lexington Public Schools 4. Melrose Public Schools 5. Tewksbury Public Schools NEW! 6. Wareham Public Schools www.mcc.net AM a 0 t I MCC's Virtual Hosting capability allows you to offer bill paying (eBill) with seamless integration into i your City/Town's website. Even though the Virtual Hosting website has a similar appearance to your City/Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. I , 1 ©-- ©u9 ta�� a04P-60Ca '4{'e(mwebW uedtite�ffr You�n ofSEe�un. Cartr,rlieit GiiQclNa ------------ Bill Payment on your Town's website Register for online bill payment MCC's role as host is to not only to make the bill paying service as simple as possible, but also to ensure that the service is secure and available 24 hours a day, 7 days a week. Log into eBill and pay Municipal bills ' Advantages i Presents to the bill payer as though they are still on the City/Town's website • Email notifications present to the bill payer as though they are sent from the City/Town directly • Creates more traffic on the City/Town's website Uses MCC customer support • Easy to implement I CERTIFICATIONS CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. Signature �l1 Print N &Title Date &-/T/o. All e, Company Name CERTIFICATE OF TAX COMPLIANCE ursuant to Chapter 62C of the Massachusetts General Laws, Section 49A (b), I V , authorized signatory for Name o in ividual Name of contractor do here y certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. D Signature Date Town of North Andover RFP Page 23 of 24 On -Line Bill Pay Services MCC eBill Premier Pricing Schedule North Andover MA March 17, 2010 eBill Premier Setup Cost Annual Cost Setup $500.00 ■ eBill Premier (Bill Payer and Bill Processor) ■ Minimum 4 escrow remitting Bill Processors per Waived: eBill Premier - installment Minimum 4 escrow ■ eBill Account Setup remitting Bill Processors per ■ Import/Export file setup installment • Website integration / MCC True Virtual Host ■ Credit Card Setup o DBA accounts (credit card merchant number) ■ ACH Setup o Automatic / electronic deposits o Bank Setup ■ Online and onsite training Annual cost $760:00 ■ Maintenance ■ Hosting Waived: eBill Premier- ■ Customer support (email and phone) Minimum 4 escrowremitting Bill Processors o Resident per installment o Collection Office ■ Version upgrades ■ True Virtual Host: $125 (Waived if Advertising Campaign is displayed) Additional costs: To Bill Payers ■ Credit Card: Percentage fee ■ ACH Fees: $0.25 per fee, per transaction *Fees to Bill Payers can be incurred by Municipality Total Setup Cost: $0 Total Annual Cost: 1 $0 -Custom Development: A cost may be charged for custom development work / hours. This cost will be discussed with the Municipality prior to charges. -Custom development for new file/bill type setup: $250.00 — $500.00. This cost will be discussed with the Municipality prior to charges. -Add-ons with hardware may include but are not excluded to configuration costs, maintenance costs and incidental costs. Hardware costs are subject to change according to market prices. -Changes to Municipalities website / TVH or Bank may incur setup / development costs. -MCC offers discount options to Billers. Please contact your MCC Representative to find out more. -All fees are non-refundable Biller Initials: Date: By initializing the MCC Pricing Schedule the Biller accepts the proposed costs and would like to move forward with the aforementioned services/products. MCC will send you an agreement that will include this Pricing Schedule. MCC 2 Mount Royal Ave Suite 310 Marlborough, MA 01752 P: (508) 460-6000 F: (508) 460-6050 www.mcc.net 00 00 0) 0),0: 0 (F) (F) (a 0 cy) 0) �7 < co m n cn o > (D CD > Pon CD cn 0 @ m rv� 3 (D 0 @ 0 cu (00 MCC 2 Mount Royal Avenue Suite 310 Marlborough, MA 01752 TOWN OF NORTH ANDOVER, MA Request. For Proposal On -Line Bill Pay Service MCC continues to be the only company providing a "one source" solution to meet the growing demands placed on Municipalities for their information. The versatility of eBill allows you to display any bill online to your residents. Currently, bill payers of participating cities and towns are paying such bills as Real Estate / Personal Property Tax, Excise Tax, Water/Sewer, Parking Tickets, Permits, Trash Fees, Park & Recreation, School fees, any bill. Your bill payers will have one online location to pay all their Municipal bills. They can review their online payment history, receive email notifications when bills are available online, and pay bills using multiple payment methods. All Tax Services, Banks, Mortgage Companies, Title Companies, etc. have one online location where they can research, remit and receive your verified Real Estate Tax information. With MCC's services they will have the ability to manage all their accounts using portfolio manager, search tools, custom reports, and file exports. MCC's One Source approach helps you decrease the amount of time spent on tax requests received by mail, phone, fax and email. Our goal is to extend and enhance your current capabilities while working in harmony with your current systems, approaches, and vendors. MCC eBill Metropolitan Communication, LLC (MCC) has been providing online bill payment/processing solutions to Municipalities since 2002. Currently we are servicing over 120 Municipalities in and around the New England area (client list enclosed); 86 of those clients are in Massachusetts. MCC's offers payments to be made by ACH and all 4 major Credit Cards (bill types restrictions may apply). The Town can also use eBill to streamline their bulk escrow processing by offering an online outlet to their Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) Scope of Work: A. Functionality 1. MCC uses only the most up-to-date security technology: Payment Security eBill ACH and Credit Card processing implements the highest standards in payment information security. There are numerous components which helps to assure the security and accuracy of payment transaction Data Information MCC stores additional information with every transaction to create an audit trail which includes information such as user ID, transaction date and time, and status. This style of information is available for Billers and Bill Payers to verify payments. Transaction Standards eBill adheres to standards and guidelines set forth by NEACH (New England Automated Clearing House) and NACHA (National Automated Clearing House Association), as well as our participating Credit Card companies. Systems Monitoring MCC constantly monitors and logs its users' experience to verify that all users are accessing information properly. This helps safeguard against those who may try to inappropriately obtain bill or payment information. Third Party Auditing eBill payments are routed through the Biller and ACH Bank along with participating Credit Card companies. This allows for additional transaction history records to be filed with these companies for eBill auditing purposes. PCI and PABP/PA-DSS MCC is currently in the process of working with a new credit card processor to assure that we are up-to-date with the most current credit card security and standards. PCI are security standards for an application, while PABP/PA-DSS concerns a network security. VISA has required, by July 2010, all merchants must be PABP/PA-DSS compliant (you should already be PCI complaint to offer credit cards online, which MCC is. Certificate enclosed.) In the past several months all other credit card companies have also adopted these standards. MCC is PABP/PA-DSS certified. Web Security At MCC, we are committed to protecting your information. We take many precautions to ensure all of your information is stored and processed safely and securely. Firewalls All data transmitted through the eBill website is stored behind an ICSA Certified firewall where every measure is taken to ensure the safety and security of users' information. Thwate Certified This certification allows us to utilize SSL security and ensures that our site is authentic. 128 -bit SSL Encryption We employ powerful 128 -bit encryption technology and Secure Socket Layers (SSL) in all areas where your personal identity is required. All transaction information is processed under encrypted channels. Restricted Access Access to confidential information is restricted to authorized personnel within our company to provide maxim security to all account information. IP Manager Billers and ACH Banks have the ability to set the IP Addresses of their users' computers. This allows only certain computers to have access to the eBill site, denying the ability for people to login from computers that are not designated as safe. Offsite Backup All information is backed up daily and kept at an offsite storage area. This storage area is accessed only by Principal Members of MCC. 2. MCC offers payments to be made by ACH, (electronic check-savings/checking account) MasterCard, Discover, AMEX, VISA (VISA may only be used for Tax Payments) 3. MCC will create merchant accounts for the Town so they make process credit card payments. MCC separates deposits by payment type (ACH and Credit Cards) and bill type (Municipal Tax, Excise, Utility, etc.) allowing for easy reconciliation. 4. All transactional convenience fees (Credit Card and ACH) are paid by the Bill Payer (resident, consumer.) 5. All convenience fees are processed as separate and unique transactions and are not imbedded in the total amount paid. All transactions made online are shown on the Bill Payers statement as two (2) line items. The first transaction item will display the Town's name, the type of payment they submitted, i.e. Municipal Tax, Excise Tax, Utility, etc. and the dollar amount going to the Town. The second will show MCC convenience fee and the amount. 6. All Credit Card payments are processed in a real-time authorization. As soon as the Bill Payer clicks on the "Agree & Submit" button MCC and the Merchant Credit Card Processor verify and authorize the credit card information the Bill Payer has entered online. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Routing Number database for correctness. If the Bill Payer enters an incorrect Routing number they will be notified online and asked to reenter their Routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. If 7. MCC sends the Bill Payer a payment confirmation email after the payment has been submitted online, per bill. This confirmation number can also be found under the Bill Payer's Payment History. 8. MCC understands and adheres to the Town's peak billing schedule and assures that the online bill payment system will be up and running to its' best abilities. 9. To make a payment on MCC's site Bill Payers must register for an eBill account and then log into that account using a valid email address or username and password. Registering and creating an eBill account assures that all payments being made online can be tracked by the Town and MCC. 10. Should a credit card chargeback or ACH failure occur MCC notifies the Bill Payer and the Town of it's details. MCC works with all parties concerned to assure the chargeback and/or failure is resolved. 11. MCC's Biller Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation (all reports are accessible via the web.) The Payment Report provides real time, instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 12. In addition to payment confirmation numbers, all transactions made online are assigned a unique, non -sequential eBill number for tracking purposes. Internally, MCC also utilizes tracking mechanisms and audit trails that protect against fraudulent activity. ACH payments made on a given day are assigned an ACH File ID, allowing for the Town to match and reconcile online payments with the deposits hitting the Town's bank account. This ACH file ID is accessible to the Town via various online reports. 13. MCC works with the Town's internal collection vendor. The posting/payment file sent to the Town will be in the Town's Collection Vendor's format. MCC also allows the Town to offer online bill payment with seamless integration into the Town's website, utilizing MCC's True Virtual Host, (TVH document enclosed.) 14. MCC offers a Payment Cart feature that allows for Bill Payers to pay multiple bills at once. The Bill Payer can search for each bill individually, add each bill to their Payment Cart and finally "check-out" and make their payment. Each bill will show as separate transactions on their bank or credit card statement. 15. Both the Bill Payer and Town have access to detailed online reporting. The Bill Payer has access to their Payment Report which stores a history and payment details/dates of all payments made online. MCC's Receives File page along with the Payment Report provides detailed transaction information vital to the Town for reconciliation. The Payment Report provides real time, instantaneous payment information to the Town of all transactions being made online. The Receive Files provides the Town with a report of all transaction being deposited into the Town's bank account. 16. The Bill Payer has the ability to search by specific details for each bill type: Real Estate / Personal Proper- Bill Number, Assessed Owner, Prop. Location Utili - Bill Number, Service Location, Account Number Motor Vehicle Excise- Plate Number, Bill Number 17. MCC allows Bill Processors (Tax Services, Banks, Mortgage Companies, etc.) to electronically research real estate tax information, report taxes owed and remit payments on behalf on property owners for the City. MCC's Bill Processor services provide Tax Collection Office's the ability to streamline their bulk collection process by implementing a web -based solution. MCC's Bill Processor benefits and highlights include: ■ Tax Collection Office is virtual; 24/7 to your Bill Processors ■ Reduces research time to locate appropriate bills ■ Reduces phone calls and walk-ins made to the Tax Collection Office ■ A "one-stop shop" for Bill Processors to obtain and return files ■ Receive payment files electronically in a format that can be imported into the City's system ■ Decreases manual data entry time to enter bill payment information ■ Decreases manual data entry errors during research and data entry time ■ Decreases the time it takes to correct inaccurate information being sent to the Tax Collection Office ■ Have access to online reports of current and past data ■ Back-up your data online ■ Use MCC's Customer Support team as an extension to your Tax Collection Office 18. MCC's Virtual Hosting capability allows the Town to offer bill paying (eBill) with seamless integration into the Town's website. Even though the Virtual Hosting website has a similar appearance to the Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. As an eBill Premier client, should changes need to be made to the Town's website, MCC will make the appropriate updates to the Register and Login link at no cost to the Town. 19. MCC provides many services/products designed to meet the specific needs of various Town departments/organizations. B. Payment Validation 1. When making an ACH payment, the Bill Payer is required to enter in their banking information including routing number and bank account number. The routing number that the Bill Payer enters is validated and authorized with the Federal Bank Routing r F.] Number database for correctness. If the Bill Payer enters an incorrect routing number they will be notified online and asked to reenter their routing number. In addition, we ask that the Bill Payer enter their bank account number twice. If the Bill Payer enters in their bank account number incorrectly in either of the spaces provided we will notify them online and ask that they reenter their bank account number. In the case of an ACH failure or NOC, MCC works with City's Bank XYZ (Bank) and notifies the Bill Payer and Tax Collection Office of the NFS and/or NOC. 2. See above 3. When making a credit card payment all information being entered by the Bill Payer is validated and authorized in real-time i.e. name on card, billing address, credit card number, and expiration date. C. Payment Processing 1. MCC batches Credit Card payments per day, per bill type (Real Estate Tax, Utility, Excise, etc.,) per payment type (AMEX, MasterCard, Discover, VISA.) Funds are deposited into the Town's bank account of choice. 2. MCC batches all ACH payments made on a given day and deposits the funds into the Town's bank account. Each ACH batch deposited into the Town's bank account is assigned a unique ACH File ID (shown in the description field on the Town's bank statement along with the bill type i.e. Municipal tax, Excise, Utility, etc.) that corresponds to the Payment/Posting file on eBill. The Town has the ability to view and print the details of the Posting file online. The Posting file contains a Unique identifier i.e. Account number and/or bill number so the Town can easily post the online payment into Town's Collection System. 3. MCC's ACH process begins at 8AM every business day. Payments made the day before and before 8AM will be made available to the Town the following business day. 4. All Credit Card payments are authorized in real-time and processed by midnight on the payment date. The payment settles within 2-3 business days, depending on card type and made available to the Town. 5. MCC is electronically notified by the Town's Bank of any ACH failures or NOC's. MCC will send the Bill Payer an email notification with the details of the failed payment. Any saved bank information the Bill Payer has stored under their eBill account is deleted. The Town is also sent an email notification with the details of the failed payment and the record of the payment within the Posting file is deleted. Furthermore, the payment is noted as "failed" on the Town's Payment Report. D. Reports eBill provides the Town with a Payment report which is real-time and instantaneous, as soon as a Bill Payer submits their payment it is shown on the Payment Report. Totals are provided at the bottom of each page of the Payment Report: total amount for ACH, Credit Card and grand totals. This report is also exportable into PDF, EXCEL, and WORD. This report is sortable by clicking on the column's heading. Under the Payment Report the Town is able to submit a date range or search by the individual Bill Payers name or ACH File ID. In addition to the Payment Report, MCC provides the Town with a Receive Files page which displays all deposits being made into the Town's bank account(s). By clicking on the File Name the Town is able to view a detailed report of the individual payments within the file/batch. Also, from the Receive Files page, as an added feature to the Town and the Bill Payer, the Town is able to send each Bill Payer, apart of the batch, an email stating that the Town has received and posted their payment. E. Training and Customer & Technical Support MCC can provide training and demos onsite and online. With eBill, MCC provides live customer support to the Town as well as the Town's Bill Payers M -F, 9AM-5PM. On weekends all customer support related questions are answered via email the first returning business day. MCC Also has various documents to assist the Town, they can be provided upon request. F. Project Schedule eBill for the Town can be implemented and go live before July 1, 2010. MCC will work with the Town throughout the setup process assuring that all date requirements at met. Proposal Signature: Alyy_�: 3-1 -7 -Jo Anita Peterson Marketing/Sales Manager MCC 2 Mount Royal. Avenue Suite 310 Marlborough, MA 01752 MCC eBill Online Bill Payment Service Authentication All Bill Payers must register and login with a valid email address and password. Any Bill Type Any Municipal bill type can be made available online to Bill Payers to make payments on. Payment Cart Bill Payers can add all their Municipal bills to a payment cart and make one easy payment. Schedule Payments Bill Payers can schedule any type of payment using Credit Card or ACH for a future date (before the cut -off -date.) Payment Options Offers the use of both ACH (electronic check) and Credit Card(s) Export Bill File Bill information is sent as an export file in the Town's vendor format. Bill Information is processed, verified, and made available online. Verification of After information is processed the Town verifies bill information before it is Information made available online. Town Control The Town should have control over the type of payments their Bill Payers are allowed to submit online, such as Partial, Over and Duplicate payments Allows the Town to offer bill paying with SEAMLESS integration into the True Virtual Host town's website. Bill paying website appears to the Bill Payer as though they are still on the Town's website Customization Bill paying website is created and maintained in-house allowing changes to be made to accommodate the Town's preferences. Import Payment File Vendor formatted payment files are electronically sent to the Town and importable into a collection system. Tax Services Tax Services, Mortgage Companies, Banks, etc. can look -up, send, and receive Real Estate Tax information from one online location. Direct Pay Tax Services, Mortgage Companies, Banks, etc. can ACH escrow payments directly to the Town. ACH Bank Option Towns can deposit online payment funds into an ACH bank of their choice. MCC eBiII References eBill Client Contact Title Phone # Client Since Pittsfield MA Marilyn Sheehan Tax Collector 413-499-9422 05/2006 Dracut MA Debbie Barton Tax Collector 978-452-1801 06/2002 Tewksbury MA Lorraine Langlois Tax Collector 978-640-4340 10/2006 Marlborough MA Debbie PuleoTax Collector 508-460-3735 2001 Marshfield MA Nancy Holt I T/C 781-834-5544 05/2006 MCC eBill Clients Massachusetts 1. Arlington 24. Foxborough 47. Melrose 2. Ashland 25. Framingham 48. Mendon 3. Barnstable 26. Harvard 49. Millbury 4. Belmont 27. Harwich 50. Monson 5. Bolton 28. Hingham 51. New Bedford 6. Brewster 29. Holland 52. Newburyport 7. Burlington 30. Holyoke 53. Northborough 8. Canton 31. Hopedale 54. Norton 9. Chatham 32. Hudson 55. Orleans 10. Chelmsford 33. Hull 56. Paxton 11. Clinton 34. Lancaster 57. Pittsfield 12. Cohasset 35. Leominster 58. Reading 13. Dartmouth 36. Lexington 59. Rockland 14. Dedham 37. Lowell 60. Sandwich 15. Dennis 38. Lynn 61. Saugus 16. Dighton 39. Maiden 62. Seekonk 17. Dracut 40. Marblehead 63. Sharon 18. Duxbury 41. Marion 64. Shirley 19. East Bridgewater 42. Marlborough 65. Shrewsbury 20. Eastham 43. Marshfield 66. Somerset 21. Erving NEW! 44. Mashpee 67. Somerville 22. Falmouth 45. Mattapoisett 68. Spencer 23. Fitchburq 46. Medford 69. Stoneham Connecticut 90. Andover 95. Farmington 100. Monroe 91. Barkhamsted 96. Groton 101. Plymouth 92. Bolton 97. Haddam 102. Pomfret 93. Canterbury NEW! 98. Litchfield 103. Putnam 94. Fairfield 99. Mansfield 104. Ridgefield Georgia 109. Canton MCC eSchool Clients Massachusetts New Hampshire 110. Gilmanton 111. Littleton 112. New London 113. Newmarket 114. Portsmouth NEW! 115. Sandown NEW! 1. Advanced Math & Science Charter School 2. Hudson Public Schools 3. Lexington Public Schools 4. Melrose Public Schools 5. Tewksbury Public Schools NEW! 6. Wareham Public Schools New Jersey 116. Bayonne 117. Irvington 118. Neptune 119. Wall www.mcc.net 70. Stow 71. Sutton 72. Swampscott 73. Templeton 74. Tewksbury 75. Truro 76. Upton 77. Uxbridge 78. Walpole 79. Wareham 80. Wayland 81. Wellesley 82. Westborough 83. Westport 84. West Boylston 85. West Bridgewater 86. Wilmington 87. Winthrop 88. Woburn 89. Yarmouth 105. Roxbury 106. Sherman 107. Stratford 108. Washington Rhode Island 120. Providence Vermont 121. Hartford 122. Richmond f MCC's Virtual Hosting capability allows you to offer bill paying (eBill) with seamless integration into your City/Town's website. Even though the Virtual Hosting website has a similar appearance to your (I City/Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. i 0--©-AA6 PM 0 0. S d5.WCL s i '14W-10 Kr of/riud,WWI oftL,I'— ofSfs ,('oeumhial 1 • i �n sr,.aw .ora.. ' p d6i.ln ! Bill Payment on your Town's website Register for online bill payment MCC's role as host is to not only to make the bill paying service as simple as possible, but also to ensure that the service is secure and available 24 hours a day, 7 days a week. ® 6, n •s Log into eBill and pay Municipal bills I dvantages • Presents to the bill payer as though they are still on the City/Town's website • Email notifications present to the bill payer as though they are sent from the ! City/Town directly • Creates more traffic on the City/Town's website • Uses MCC customer support • Easy to implement y PA m 24..o-r Tx" 4` q '9,�k.� y} ,+3 f'�' ,�, .$fig•-, ,moi' f MCC's Virtual Hosting capability allows you to offer bill paying (eBill) with seamless integration into your City/Town's website. Even though the Virtual Hosting website has a similar appearance to your (I City/Town's website, all virtual hosting functionality is located and accessed by the Bill Payer on MCC's website. i 0--©-AA6 PM 0 0. S d5.WCL s i '14W-10 Kr of/riud,WWI oftL,I'— ofSfs ,('oeumhial 1 • i �n sr,.aw .ora.. ' p d6i.ln ! Bill Payment on your Town's website Register for online bill payment MCC's role as host is to not only to make the bill paying service as simple as possible, but also to ensure that the service is secure and available 24 hours a day, 7 days a week. ® 6, n •s Log into eBill and pay Municipal bills I dvantages • Presents to the bill payer as though they are still on the City/Town's website • Email notifications present to the bill payer as though they are sent from the ! City/Town directly • Creates more traffic on the City/Town's website • Uses MCC customer support • Easy to implement CERTIFICATIONS CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. Signature' i, n Print N & Title Date—&- / 7,1,0, 1�06 Company Name CERTIFICATE OF TAX COMPLIANCE ursuant to Chapter 62C of the Massachusetts General Laws, Section 49A (b), I authorized signatory for Name o in iv" Name of contractor do here y certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. j2 Signature Date Town of North Andover RFP Page 23 of 24 On -Line Bill Pay Services MCC eBill Premier Pricing Schedule North Andover MA March 17, 2010 eBill Premier Setup Cost Annual Cost Setup $500.00 ■ eBill Premier (Bill Payer and Bill Processor) ■ Minimum 4 escrow remitting Bill Processors per Waived: eBill Premier - installment Minimum 4 escrow ■ eBill Account Setup remitting Bill Processors per • Import/Export file setup installment ■ Website integration / MCC True Virtual Host ■ Credit Card Setup o DBA accounts (credit card merchant number) ■ ACH Setup o Automatic / electronic deposits o Bank Setup ■ Online and onsite training Annual cost $99 ■ Maintenance • Hosting Waived: eBill Premier- ■ Customer support (email and phone) Minimum 4 escrowremitting o Resident Bill Processors per installment o Collection Office ■ Version upgrades ■ True Virtual Host: $125 (Waived if Advertising Campaign is displayed) Additional costs: To Bill Payers ■ Credit Card: Percentage fee ■ ACH Fees: $0.25 per fee, per transaction *Fees to Bill Payers can be incurred by Municipality Total Setup Cost: $0 Total Annual Cost: 1 $0 -Custom Development: A cost may be charged for custom development work / hours. This cost will be discussed with the Municipality prior to charges. -Custom development for new file/bill type setup: $250.00 — $500.00. This cost will be discussed with the Municipality prior to charges. -Add-ons with hardware may include but are not excluded to configuration costs, maintenance costs and incidental costs. Hardware costs are subject to change according to market prices. -Changes to Municipalities website / TVH or Bank may incur setup / development costs. -MCC offers discount options to Billers. Please contact your MCC Representative to find out more. -All fees are non-refundable Biller Initials: Date: By initializing the MCC Pricing Schedule the Biller accepts the proposed costs and would like to move forward with the aforementioned services/products. MCC will send you an agreement that will include this Pricing Schedule. MCC 2 Mount Royal Ave Suite 310 Marlborough, MA 01752 P: (508) 460-6000 F: (508) 460-6050 www.mcc.net -n x - co LR co 0 0 rp ',3 3 o 7—' 44 U) d. cr a, %v C M. 0 U ID 0) O,D 0 0 0 m § 3 M m CD co CD CD z T (D Proposal for UniPay Gold Online Payment Services Town of North Andover, Massachusetts March 31, 2010 Unlibnk www.unibank.com Patricia A. Baker Senior Vice President Government Banking Department March 31, 2010 Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 Dear Mr. Santilli, Thank you for expressing interest in our online tax and fee collection product, UniPay Gold, provided by the Government Banking Department at UniBank. I will be the individual who will execute the contract with the Town of North Andover on behalf of UniBank. By way of introduction, please allow me to point out that UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. UniBank's Government Banking Department is a full-service provider of solutions and services expected by municipal officials. These include collection, disbursement, reconciliation, and complex reporting services. This proposal will describe in detail our UniPay Gold product that is an example of our commitment to help municipalities optimize limited staffing as well as increase the potential for revenue enhancement. In lieu of the contract enclosed in the Town's RFP, attached you will find a copy of our 3 year contract. We would be grateful if the appropriate authority would sign and return this document if services are awarded to UniBank. We would consider any modifications requested. This proposal will remain in effect for 60 calendar days after the deadline date of March 31, 2010. UniBank is a member of Depositors Insurance Fund (DIF). As a municipal depositor with UniBank you automatically receive both FDIC and DIF insurance coverage for your deposits. "All deposit accounts are fully insured without regard to account title, class, or the number of 39 Church Street, Whitinsville, MA 01588 • (508) 234-8112 • (800) 678-1635 • Fax (508) 234-7619 • www.unibank.com accounts held by the depositor. Deposit balances, whether held in one account or aggregated across multiple accounts of the same depositor, are insured in full without limit or exception." We believe three characteristics distinguish UniBank: Our commitment to municipal government which extends from the Board of Directors and senior management to government banking and fiscal advisory staff members. • Our commitment to service which pervades the bank. Our stability. As a mutual savings bank, UniBank has no stockholders. As a result, we are not subject to the market forces that have been responsible for so many bank mergers and acquisitions in recent years. This allows us to focus on being a community bank serving the Blackstone Valley and a municipal bank serving all of Massachusetts. Thank you for considering us. Sincerely, A ?Aatrici'a Baker Senior Vice President Government Banking Addenda Received: None Overview of UniPay Gold UniPay Gold provides you the ability to offer the collection of taxes, fees, and other charges through a web based product with multiple payment options (i.e. ACH and Credit Card) and security standards that only a financial institution can offer. Funds received via ACH transaction shall be credited to the Customer's selected account at UniBank within two (2) business days. Funds received via credit card transaction shall usually be credited to the Customer's UniPay account at UniBank within 3 or 4 business days depending upon the credit card processor. UniPay Gold consists of two components: Payment Center and Administration Center The Payment Center is your UniPay Gold website used by constituents/users to make payments for taxes, fees, purchases, or other charges. The Administration Center is the website you will use to receive payment information, upload files, and manage users. Payment Center Consumers will access the Payment Center through a link available on your website. This link will direct them to your Payment Portal where a customizable Welcome Message is displayed. Town of DEMO Home • Help Transactions: welcome Clerk Licenses & Permits other School Department Tax Collector Utilities t] �l SKU, .I a Iom Welcome to the Town of Demo's new and improved UniPay Gold online payment center through UniBank. Thank you for using UniPay Gold! View Cart customer: W_ Demo Town Not Your town? :R-w.a7m4C(: Your payment information is proteded ith stale-of-the- indusUy encryptlon methods and certified through Veri%gn. Por more information on UniBank visit Uniftnk Page I 1 On the left hand side of the screen there is a list of classifications for the consumers to choose from. This list will be stationary throughout the payment process to allow consumers to use the payment cart feature. To make a payment a user will select the transaction type they wish to pay. If an import file is uploaded, consumers will be required to enter in the lookup fields in order to be directed to the next page where they will access their payment information. This page will be populated with information from the import file for verification. If this particular transaction type does not have a corresponding data file, consumers will be directed to the next page where they will be asked to enter in the required information, which you have requested to collect, before adding it to the Payment Cart. The Payment Cart will allow consumers to make multiple payments and purchases all in one easy transaction. Once all items are in the cart, consumers will click the "Checkout" button and be directed to the Billing Information page; this information is available for your use on the Administration Center. One final review of transactions to be paid will appear and require consumers to confirm before placing the payment request. Once this request has been submitted, a copy of the confirmation will be sent immediately to the provided email address. In the case of a returned item, an email will be sent to both to the consumer and the Town. Administration Center Your users will access the Administration Center through a link provided by UniBank. This link will direct them to login page where they will enter in a username and password specific to each user. Once successfully logged in, they will be directed to a Welcome Page (shown below) which is the Home Page for UniPay Gold allowing them access to all the services it provides. The navigation panel on the left hand side of the Home Page will be stationary throughout most tasks in the Administration Center. If for some reason you navigate away from this list you can access it by clicking "Home" located on the top left hand corner of the Administration Center. Home • Help User Functions: Welcome Februai My Account ' This is the UniPayGold Admin Center! Customer Admin Fife Management r All information sent to and from UniBank is processed through the Review Data Customer Administration Center. Through the Admin Center, you can upload files and other information to us and download lockbox files created for you. You will also use the Center to manage access by your staff to UniPay Gold and maintain information about your own account. You can also view reports and information regarding the payments you have received. Guest Uhfibnk Page 12 User Functions The first classification is My Account. Here you will be able to go back to the login page and also change your password. The next user function is the Customer Administration. This function will be available to those of you who will be set up as an Administrator. Administrators have access to all areas of the UniPay Gold Administration Center, including the ability to Manage Users. Administrators can add new users, delete users, and edit existing ones. Other roles include the Customer User, Customer Researcher, and File Manager. Instructions on adding new users are included in the User Manual along with the access specifications for each role. The next User Function is File Management. Access to this section allows users to upload, delete (manual and scheduled deletion), and monitor inquiry files on UniPay Gold. The Import Monitor will allow you to view the progress of a file uploading as well as view an audit trail of past uploads. This will most importantly included the name of the person who uploaded the file with a timestamp of the start and end time. This section is also where users will download lockbox files from payments received each day. This process of payment posting can be done at the Town's discretion. The final User Function is Review Data. Here users will be able to view available reports and research payments made. There are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers by using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. By clicking on their email address you will be able to immediately contact your constituents. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. Scope of Work: A. Functionality 1. The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to only those employees who have a need to know such Unr'Bank Page 13 information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 2. Tender types accepted on the UniPay Gold system include the use of Credit/Debit Cards as well as ACH. Merchant Accounts are set up through UniBank's Credit Card Processor. These can be set up separately for each individual transaction type collected on the system or be grouped for all departments. At the time of setup this will be the choice of the Town. 4. A convenience fee will be passed through to the consumer for Credit Card only. This fee is assessed in order to process the payment and is based on the dollar amount of the transaction. (See Pricing Proposal) Consumers will not be charged a fee if they pay through the ACH payment method. 5. Within the UniPay Gold system the convenience fee amount for Credit Card transactions is shown as a separate entity and not grouped together with the transaction amount. All convenience fees funnel through a separate Merchant Account and are never grouped together with the transaction merchant accounts. 6. Payments made through the Credit Card payment option are approved or declined at the time of submission for payment. Payments made through the ACH payment option are subject to the NACHA rules and regulations. In the case of an ACH rejection, email notification is sent to both the Town of North Andover and the consumer once UniBank is notified by the Federal Reserve. 7. Each payment generates a sequential and unique confirmation number to the consumer. This confirmation is displayed on screen after successful submission with the ability to print. A similar confirmation is also emailed to the consumer's email address provided at the time of payment. 8. With the help of our development team, UniBank spent an extensive amount of time creating a product that is scalable for our future. It has the ability to withstand the peak demand of seasonal collection cycles along with providing a solid product for our expanding customer base. 9. Upon set up, the Town of North Andover will be provided with a fully secure web based Administration Center. This Administration Center will allow town employees to research payments made using the search functionality, review reports containing payment information, and also download the lockbox file which has details on each payment made. This functionality allows for easy, online payment tracking. 10. In the case of a chargeback, email notification is sent to both the Town of North Andover and the consumer on the same day UniBank is notified of the rejection by the Federal Reserve. Unnan1k Page 14 11. Within the online Administration Center, town employees will have access to reports containing payment information. There are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into an Excel spreadsheet or text file depending on the Town's requirements. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. 12. Audit trails are available throughout the online Administration Center. With access to this website, you will be able to see the payment process starting with the file import to our site before any payment has been made all the way to the download of the lockbox file after the payment has been submitted. 13. A file download is available in the Administration Center once a payment has been made. UniBank is able to customize this file based on the format required for the receiving software. We are also in the initial stages of developing a web interface through the use of APIs that would pass the information securely without a file. 14. The UniPay Gold system offers a Cart for the consumer's convenience. This cart can be used to add multiple payments and process them all in one session. 15. There is a detailed online history through access to the Administration Center. As previously mentioned, there are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. A lockbox download is available that includes all payments received each day. The process of payment posting can be done at the Town's discretion. In addition to the online history of payments made, there are also audit trails available of the importing of each file. It allows you to monitor each of the inquiry files on UniPay Gold. You can view the progress of a file uploading as well as view an lJMBank Page 15 audit trail of past uploads. This will most importantly include the name of the person who uploaded the file with a timestamp of the start and end time. 16. There are two ways of collecting payments: with a file or without a file. If the transaction is setup to include an inquiry file, the UniPay Gold system will require at least one lookup field in order for the consumer to continue in the payment process. These lookup fields can be set based on the Town's discretion and are usually set based on the accounting software used. 17. Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies) will be able to make payments on the UniPay Gold system just as a resident would. They will need to have the identifying information available in order to access the bill and process the payment. 18. Within the UniPay Gold system the look and feel of your Payment Center is customizable. We have the ability to modify the logo to include the same image used on your Town website. We can also add pictures, links, and text to the middle section of the initial welcome screen of the Payment Center as well as the right hand side frame area. Payment information collected is also a customized process dependent on the fields the Town would like the system to collect. We are available to make these changes during normal business hours at no cost to the Town. 19. The UniPay Gold product is built with a mapping tool which allows us to interface with virtually any software using a downloadable file format. We are also in the initial stages of developing a web interface through the use of APIs. B. Payment Validation 1. Upon selecting the ACH payment method consumers are required to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits of the routing number. The ACH payment method is subject to the NACHA rules and regulations. Funds are deposited into the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. 3. Credit Card payments are approved or declined in real-time at the time of payment submission. C. Payment Processing 1. UniBank's Credit Card processor will deposit the funds as a daily batch to each merchant account. The number of merchant accounts will be at the discretion of the Town. Payments made over the weekend (Friday, Saturday, Sunday) will be deposited in separate batches but all made on the same day. UMBank Page 16 2. All ACH payments are deposited as a daily batch per transaction. Multiple reports are available on the UniPay Gold system that will provide feedback on payment confirmation and transaction information. 3. The UniPay Gold system allows for a web based Town Hall that is open 24 hours a day, 7 days a week. Payments that are received up until 11:59pm are processed through the NACHA rules and regulations for ACH files. In order to provide a complete batch deposit for each day, ACH files are created at 12 midnight. Funds are deposited into the Town's bank account two business days after the payment is made on the system. 4. Credit Card payments are processed through UniBank's Credit Card Processor which settles payments made within 3-4 business days. In order to provide a complete batch deposit for each day, the processor does not cut off batch totals prior to 12 midnight. 5. Based on the policies and procedures at the Federal Reserve, UniBank will receive notification of a rejection within 5 business days. Upon receipt of this notification, an email is generated to both the Town of North Andover and the consumer. Due to privacy there is some information that is not included on the initial email that is sent however this information is available on the Administration Center via a secure login. D. Reports There are four standard reports available to you: 1. Transaction Detail Report: This report provides a detailed look at the transactions made on a daily basis or by a range of dates. The information provided in this report includes the payment description, such as account number or bill number. Also, the post date and time and confirmation number for each payment is included. Finally, the tender type (ACH or Credit Card) and amount paid is included. These reports subtotal by transaction type (real estate, excise, etc.), and provide a net total for all transaction types within the chosen date range. 2. Transaction Detail Report — Chargeback Only: In addition to the information provided by the standard transaction detail report, this report also includes the chargeback date and reason for chargeback. This report contains only those payments which have been charged back within the chosen date range. 3. Bank Deposit Report—Aggregate: This report provides a separate total for each transaction type within a chosen date range. These reports are subtotaled by tender type (ACH, Discover, MasterCard) for all payments within the chosen date range. 4. Bank Deposit Report — Daily. This report is provided in the same format as the Bank Deposit Report — Aggregate, however each day's transactions are grouped and totaled to provide an easier view while reconciling over a date range. Unr'Bank Page 17 Full payment information for any transaction can be viewed using our Research feature. This will allow the Town to search for payments by multiple criteria. The Town can then view a full receipt including payee name and contact information, as well as all payment information collected. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. These fees are not included within the standard reports provided. E. Training and Customer & Technical Support Upon set up, UniBank will provide the UniPay Gold User Manual to the Town of North Andover to assist with the implementation of the product. In addition, on site visits and conference calls will be held as requested whenever necessary. UniBank is committed to allocating the necessary resources to ensure a smooth implementation of service and a well-managed solution post -implementation. At UniBank, we work hard to provide our customers with the most technologically advanced products and services possible. We believe, however, that the greatest of these do not serve our customers well unless they are accompanied by solid commitment and the best support available. You are assigned an account officer who will be responsible for servicing your relationship. It is our practice to call in person on our municipal customers on a regular basis. Our customers are assigned a joint relationship management team consisting of the account officer and our UniPay Gold Support Team of three individuals who have been instrumental in the development of UniPay Gold and are very familiar with its systems, procedures and capabilities. In addition, our knowledgeable staff of Customer Service Representatives will be able to assist you with all other banking needs. For purposes of coverage, all of our staff is cross -trained. For that reason, be assured that any one of them are qualified to assist in meeting your needs. UniPay Gold is an advanced technology which will give you and your consumers a superior method of collecting taxes, fees, and other charges electronically. We realize that as you become acquainted with the many capabilities offered by UniPay Gold, you may have questions and may appreciate 'hands on' support and personal attention. Our hours of operation in Government Banking are typically 8:30 a.m. to 5 p.m. Our response to inquiries to either our sales team members or customer support group is immediate, and if resolution will take additional time, the action plan and timeline is outlined with the customer. Our goal is to provide our government banking customers with the best service possible. MBank Page 18 Patricia Baker, Senior Vice President and Head of Government Banking Department Brian Jamros, Vice President and Account Relationship Manager UniPay Team Kristy Couture, UniPay Supervisor Email: kristy.couture@unibank.com Direct Dial: 508-849-4247 Cindy Gleason, UniPay Coordinator Email: cindy.eleason@unibank.com Direct Dial: 508-849-4239 Debbie Mateer, UniPay Technical Support Email: debbie.mateer@unibank.com Direct Dial: 508-849-4255 Municipal Team Cheryl Schaefer, Online Banking Specialist Email: _cheryl.schaefer@unibank.com Direct Dial: 508-849-4238 Stacy Castell, Customer Service Representative Email: stacy.castell@unibank.com Direct Dial: 508-849-4235 Amy Fisher, Municipal Technical Support Email: amv.fisher@unibank.com Direct Dial: 508-849-4237 Project Schedule Once proposal has been accepted by the Town, account opening and UniPay Gold setup processes will begin. After signed contract is received the setup process will take approximately one month to complete, not to exceed the deadline date of July 15`, 2010. 1. Presentation of UniPay Gold will be given to all users from the Town by an onsite visit. This presentation will review in detail all functionality of the UniPay Gold system and also include a question and answer session. 2. We will be available for discussion of software integration options for all of the Town's current applications. 3. Town will complete and submit UniPay Gold and UniBank account setup information sheets with the Account Officer. 4. Town will send sample export files from accounting software for testing and setup purposes. Town will upload accounting software files to the UniPay Gold Administration Center and test for accuracy. Unfilank Page 19 6. Town webmaster will add the UniPay Gold Payment Center link to the Town of North Andover's website in a prominent place to allow consumers to access the new online payment option. Minimum Criteria/Qualifications A. We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. B. We are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). C. Please see attached list of full UniPay Gold customer base. Due to privacy concerns, the contact name and number has been provided for the 10 references listed below as we have been previously authorized to do so. Further information can be provided for other customers upon request. D. Below is a table of ten current UniPay Gold customers to be used as references. If further references are needed, please contact Brian Jamros or a member of our staff listed above. 1. Melanie Phillips 2. Kurtis Johnson Finance Director/ Treasurer Director of Business Operations Collector Blackstone Valley Regional Town of Medway Vocational Technical High School 508.533.3205 508.529.7758 3. Robert McGuire 4. Kevin Merz Treasurer -Collector Treasurer/ Collector Town of Norwood Town of Ipswich 781.762.1240 x111 978.356.6610 5. Cheryl Kelley 6. Maureen Dwinnell Town Treasurer/Collector Town Treasurer/Collector Town of Norfolk Town of Hopkinton 508.520.0058 508.497.9715 7. Theresa DeSilva 8. Paul Keating Jr. Treasurer/ Collector Treasurer/ Collector Town of Easton Town of Wayland 508.230.0610 508.358.3633 9. Wally Guertin 10. Marc Craig Production and Development Mgr Recreation Administrator City of Worcester Hanover Parks and Recreation 508.799.1272 x6665 781.826.7529 Unifibnk Page 110 Comparative Evaluation Criteria A. Experience with Municipalities in the Commonwealth of Massachusetts UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. B. Accepted Forms of Payment UniPay Gold allows the collection of payments through ACH as well as through Credit/Debit card. Cards accepted include MasterCard and Discover. At this time we are making system modifications that will allow us to apply for the VISA tax payment program. Please note that if the Town of North Andover is willing to pay for the consumer's convenience fees, VISA is available immediately. C. Authorization UniPay Gold provides real-time authorization for credit card payments. At the time of payment it is either accepted or declined. The system also provides check validation that requires consumers to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits inputted. The ACH payment method is subject to NACHA rules and regulations. Funds are deposited into the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. D. Security The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to those employees who have a business need to know that information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. UniBank Page 111 E. Transaction and Merchant Fee Processing Convenience fees for processing Credit Card are paid by the consumer. These fees are processed as a separate and unique transaction amount and are not imbedded in the total amount paid. UniBa k Page 112 CERTIFICATE OF AUTHORITY At a duly authorized meeting of the Board of Directors of UniBank for Savings held on November 24, 2009, it was VOTED that: Patricia A. Baker, ex officio, as Senior Vice President, Government Banking of this corporation, be and she hereby is authorized to submit bids and proposals, and execute contracts in the name and on behalf of said corporation, and affix its corporate seal hereto; and such execution of any contract, or obligation in this corporation's name on its behalf by such Patricia A. Baker under seal of the company, shall be valid and binding upon this corporation. A True Copy, 1 ATTEST: (;1. G I W . TITLE: t1 -K PLACE OF BUSINESS: `w q I TIN S v1 Lj, 41/f- _3 CRY ,-e_ H S DATE OF THIS CERTIFICATE: —?> ` 36 - 'P 0 l d I hereby certify that I am the clerk of UniBank for Savings and that Patricia A. Baker is duly elected Senior Vice President of said company, and that the above vote has not been amended or rescinded and remains in full force and effect as of the date of this contract. e W. Bloem, Clerk CORPORATE SEAL: CERTIFICATIONS CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. � r Signj PAVia 78W SV/1_ Print Name & Title Date 3. 3O— R010 L)41 CH Company Name CERTIFICATE OF TAX COMPLIANCE Pursuant to Chapter 62C of the Massachusetts General Laws, Section 49A (b), I M. 016Lo e , authorized signatory for Un 1 bank, 'Cor- 540103 S Name of individual �� Name of contractor do hereby certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. ye T2C�SvRCe 3I3o'Xoto Signature Date Town of North Andover RFP Page 23 of 24 On -Line Bill Pay Services U niGa�D Full Customer List 1 Abington Public Schools 2 Acton Water District 3 Adams 4 Agawam 5 Agawam Public Schools 6 Amesbury 7 Amherst 8 Andover 9 Aquinnah 10 Ashburnham 11 Ashburnham Municipal Light Department 12 Ashby 13 Ashfield 14 Athol 15 Athol Town Clerk 16 Attleboro 17 Auburn 18 Avon 19 Becket 20 Bedford 21 Belchertown 22 Berlin 23 Beverly 24 Blackstone 25 Blackstone Valley Vocational Technical High School 26 Blackstone- Millville RSD 27 Bourne 28 Bourne Water District 29 Boxborough 30 Boxborough Public Schools 31 Boxford 32 Boylston 33 Braintree 34 Bridgewater 35 Brimfield 36 Brimfield Recreation 37 Bristol -Plymouth RSD 38 Bristol -Plymouth RSD Childcare Program 39 Buckland 40 Carlisle 41 Carver 42 Charlton 43 Chelsea 44 Chesterfield 45 Chicopee 46 Clarksburg 47 Concord 48 Concord Town Clerk 49 Conway 50 Dalton Fire District 51 Dedham 52 Deerfield 53 Dennis 54 Dennis Water District 55 Deputy Collector Brimfield 56 Deputy Collector Charlton 57 Deputy Collector Conway 58 Deputy Collector Orange 59 Deputy Collector Palmer 60 Deputy Collector Spencer 61 Deputy Collector West Springfield 62 Douglas 63 Dover 64 Dudley 65 Dunstable 66 East Longmeadow 67 East Longmeadow School Dept 68 Easthampton 69 Easton 70 Easton Town Clerk 71 Easton Water Division 72 Edgartown 73 Egremont 74 Fairhaven 75 Fall River 76 Gardner 77 Gardner Airport 78 Gardner Civil Enforcement 79 Gardner Development and Planning 80 Gardner Golf Course 81 Gardner Transfer Station 82 Gardner Water and Sewer Department 83 Georgetown 84 Georgetown Public Schools 85 Grafton 86 Grafton Public Schools 87 Greenfield 88 Greenfield Clerk 89 Groton 90 Groton Country Club 91 Groton Town Clerk 92 Groton Water Department 93 Groveland 94 Hadley 95 Halifax 96 Hamilton 97 Hampden 98 Hampden-Wilbraham RSD 99 Hanover 100 Hanover Park & Recreation 101 Hanover Public Schools 102 Hanson 103 Harvard Public Schools 104 Hatfield 105 Haverhill 106 Haverhill City Clerk 107 Haverhill DPW and Recycling 108 Haverhill Water Department 109 Holbrook 110 Holden 111 Holden Town Clerk 112 Holden Utility Bills 113 Holliston 114 Holliston Water Department 115 Holyoke 116 Hopedale 117 Hopedale Public Schools 118 Hopkinton 119 Hopkinton - DPW 120 Hopkinton Board of Appeals 121 Hopkinton Building Department 122 Hopkinton Conservation Department 123 Hopkinton Parking Clerk 124 Hopkinton Planning Board 125 Hopkinton Public School 126 Hopkinton Town Clerk 127 Hopkinton Town Manager 128 Hubbardston 129 Hubbardston Town Clerk 130 Hudson 131 Huntington 132 Ipswich 133 Ipswich Public Schools 134 Ipswich Utilities 135 Kingston 136 Lancaster 137 Lanesborough 138 Lanesborough Water Department 139 Lee 140 Leicester 141 Lenox 142 Leverett 143 Lexington 144 Lexington Town Clerk 145 Lincoln 146 Lincoln -Sudbury RSD 147 Littleton 148 Littleton Public Schools 149 Longmeadow 150 Ludlow 151 Lunenburg 152 Manchester by the Sea 153 Manchester -Essex RSD 154 Mansfield 155 Mansfield Public Schools 156 Maynard 157 Medfield 158 Medway 159 Mendon 160 Merrimac 161 Methuen 162 Middleborough 163 Middlefield 164 Middleton 165 Milford Regional Medical Center 166 Millbury 167 Millbury Public Schools 168 Millville 169 Milton 170 Montague 171 Monterey 172 Montgomery 173 Nahant 174 Nantucket 175 Nashoba RSD 176 Natick 177 Natick School Department 178 New Marlborough 179 New Salem 180 Newton 181 Newton Police Department 182 Newton Public Schools - Lunch 183 Newton Public Schools - Transportation 184 Norfolk 185 North Attleborough 186 North Brookfield 187 North Reading 188 North Reading Fire District 189 North Reading Public Schools 190 Northampton 191 Northborough -Southborough Public Schools 192 Northborough -Southborough RSD -HS Athletics 193 Northbridge 194 Northbridge Public Schools 195 Northbridge Town Clerk 196 Northbridge Utilities 197 Northfield 198 Norton 199 Norwell 200 Norwood 201 Norwood Light Department 202 Norwood Public Schools 203 Oak Bluffs 204 Oakham 205 Orange 206 Orange Town Clerk 207 Otis 208 Palmer 209 Palmer Fire & Water District #1 210 Peabody 211 Pelham 212 Pembroke 213 Pepperell 214 Peru 215 Plymouth 216 Plymouth Town Clerk 217 Princeton 218 Princeton Municipal Light Department 219 Quincy 220 Raynham 221 Reading Municipal Light Department 222 Rehoboth 223 Richmond 224 Rowley 225 Rowley Municipal Light Department 226 Royalston 227 Russell 228 Rutland 229 Salem 230 Salem Water Department 231 Salisbury 232 Salisbury Sewer 233 Saugus 234 Scituate 235 Scituate Harbormaster 236 Scituate Public Schools 237 Sherborn 238 Shrewsbury 239 Shrewsbury Public Schools 240 Shrtesbury 241 Somerville Schools 242 Southborough 243 South Hadley 244 South Hadley Light Department 245 Southwick 246 Southwick Clerk 247 Spencer 248 Spencer Town Clerk 249 Spencer Utilities and Facilities 250 Sterling 251 Sterling Fire Department 252 Sterling Town Clerk 253 Stockbridge 254 Stoneham 255 Stow 256 Sturbridge 257 Sudbury 258 Sunderland 259 Sutton 260 Taunton 261 Templeton 262 Tisbury 263 Topsfield 264 Town of Orange - 2010 Bicentennial 265 Townsend 266 Tyngsborough 267 Tyringham 268 Uxbridge 269 Wakefield 270 Wales 271 Wannacomet Water Company 272 Ware 273 Warren 274 Warren Water District 275 Warwick 276 Watertown 277 Wayland Public Schools - Athletics 278 Wayland Public Schools - METCO 279 Webster 280 Webster Public Schools 281 Wellfleet 282 Wenham 283 West Boylston Public Schools 284 West Boylston Water District 285 West Springfield 286 West Stockbridge 287 West Warren Water District 288 Westborough Public Schools 289 Westford 290 Westford Water Department 291 Westminster 292 Westminster Clerk 293 Weston 294 Weymouth 295 Weymouth Water District 296 Whately 297 Whitinsville Water Company 298 Whitman 299 Whittier Reg Voc Tech High School 300 Williamsburg 301 Williamstown 302 Winchendon 303 Winchendon Public Schools 304 Winchester 305 Winchester Town Clerk 306 Woburn 307 Worcester 308 Worcester City Clerk 309 Worcester Fire Department 310 Worcester License Commission 311 Wrentham Pricing Proposal There are no fees to the Town of North Andover for the services described in this proposal. Fees will only be paid by consumers making payments by Credit Card on the UniPay Gold system. Our schedule of Credit Card fees is shown below. UniPay Gold Credit Card Fee Schedule *Fees assessed on a per transaction basis' Purchase Price From To Fee Amount $ 1.00 $ 99.99 $ 2.50 $ 100.00 $ 199.99 $ 5.00 $ 200.00 $ 399.99 $ 10.00 $ 400.00 $ 699.99 $ 17.50 $ 700.00 $ 1,099.99 $ 27.50 $ 1,100.00 $ 1,599.99 $ 40.00 $ 1,600.00 $ 2,299.99 $ 57.50 $ 2,300.00 $ 3,099.99 $ 77.50 $ 3,100.00 $ 3,999.99 $ 100.00 $ 4,000.00 $ 4,999.99 $ 125.00 $ 5,000.00 $ 6,099.99 $ 152.50 $ 6,100.00 $ 7,299.99 $ 182.50 $ 7,300.00 $ 8,599.99 $ 215.00 $ 8,600.00 $ 9,999.99 $ 250.00 $10,000.00 $11,999.99 $ 300.00 $ 12,000.00 $ 14,999.99 $ 375.00 $15,000.00 $19,999.99 $ 500.00 $ 20,000.00 $ 24,999.99 $ 625.00 $ 25,000.00 $ 29,999.99 $ 750.00 $30,000.00 $34,999.99 $ 875.00 $35,000.00 $39,999.99 $1,000.00 Unfibnk T x ID 0 C) g r,*., cn 4, q cr o g 5 - 2.0'slo (013 -4 a S3 0 n 0 1 C4 > co OD CD CD 73 Proposal for UniPay Gold Online Payment Services Town of North Andover, Massachusetts March 31, 2010 Unlibnk www.unibank.com Patricia A. Baker Senior Vice President Government Banking Department March 31, 2010 Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 Dear Mr. Santilli, Thank you for expressing interest in our online tax and fee collection product, UniPay Gold, provided by the Government Banking Department at UniBank. I will be the individual who will execute the contract with the Town of North Andover on behalf of UniBank. By way of introduction, please allow me to point out that UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. UniBank's Government Banking Department is a full-service provider of solutions and services expected by municipal officials. These include collection, disbursement, reconciliation, and complex reporting services. This proposal will describe in detail our UniPay Gold product that is an example of our commitment to help municipalities optimize limited staffing as well as increase the potential for revenue enhancement. In lieu of the contract enclosed in the Town's RFP, attached you will find a copy of our 3 year contract. We would be grateful if the appropriate authority would sign and return this document if services are awarded to UniBank. We would consider any modifications requested. This proposal will remain in effect for 60 calendar days after the deadline date of March 31, 2010. UniBank is a member of Depositors Insurance Fund (DIF). As a municipal depositor with UniBank you automatically receive both FDIC and DIF insurance coverage for your deposits. "All deposit accounts are fully insured without regard to account title, class, or the number of 39 Church Street, Whitinsville, MA 01588 • (508) 234-8112 • (800) 678-1635 • Fax (508) 234-7619 • www.unibank.com accounts held by the depositor. Deposit balances, whether held in one account or aggregated across multiple accounts of the same depositor, are insured in full without limit or exception." We believe three characteristics distinguish UniBank: Our commitment to municipal government which extends from the Board of Directors and senior management to government banking and fiscal advisory staff members. 0 Our commitment to service which pervades the bank. Our stability. As a mutual savings bank, UniBank has no stockholders. As a result, we are not subject to the market forces that have been responsible for so many bank mergers and acquisitions in recent years. This allows us to focus on being a community bank serving the Blackstone Valley and a municipal bank serving all of Massachusetts. Thank you for considering us. Sincerely, Aatricia Baker Senior Vice President Government Banking Addenda Received: None Overview of UniPay Gold UniPay Gold provides you the ability to offer the collection of taxes, fees, and other charges through a web based product with multiple payment options (i.e. ACH and Credit Card) and security standards that only a financial institution can offer. Funds received via ACH transaction shall be credited to the Customer's selected account at UniBank within two (2) business days. Funds received via credit card transaction shall usually be credited to the Customer's UniPay account at UniBank within 3 or 4 business days depending upon the credit card processor. UniPay Gold consists of two components: Payment Center and Administration Center The Payment Center is your UniPay Gold website used by constituents/users to make payments for taxes, fees, purchases, or other charges. The Administration Center is the website you will use to receive payment information, upload files, and manage users. Payment Center Consumers will access the Payment Center through a link available on your website. This link will direct them to your Payment Portal where a customizable Welcome Message is displayed. Town of DEMO Home a Help Transactions: Clerk Licenses & Permits e other Sdiool Department Tax Collector Utilities ,rl SEORE iFSRp I'M Welcome Welcome to the Town of Demo's new and improved UniPay Gold online payment center through UniBank. Thank you for using UnWa ry Goldl View Cart Customer. Demo Town Not your town? Your paymnmt information is protected with state- khe- industry encryption methods end certified through VeriSign. For -information on Uniaank visa nifb k Page I 1 On the left hand side of the screen there is a list of classifications for the consumers to choose from. This list will be stationary throughout the payment process to allow consumers to use the payment cart feature. To make a payment a user will select the transaction type they wish to pay. If an import file is uploaded, consumers will be required to enter in the lookup fields in order to be directed to the next page where they will access their payment information. This page will be populated with information from the import file for verification. If this particular transaction type does not have a corresponding data file, consumers will be directed to the next page where they will be asked to enter in the required information, which you have requested to collect, before adding it to the Payment Cart. The Payment Cart will allow consumers to make multiple payments and purchases all in one easy transaction. Once all items are in the cart, consumers will click the "Checkout" button and be directed to the Billing Information page; this information is available for your use on the Administration Center. One final review of transactions to be paid will appear and require consumers to confirm before placing the payment request. Once this request has been submitted, a copy of the confirmation will be sent immediately to the provided email address. In the case of a returned item, an email will be sent to both to the consumer and the Town. Administration Center Your users will access the Administration Center through a link provided by UniBank. This link will direct them to login page where they will enter in a username and password specific to each user. Once successfully logged in, they will be directed to a Welcome Page (shown below) which is the Home Page for UniPay Gold allowing them access to all the services it provides. The navigation panel on the left hand side of the Home Page will be stationary throughout most tasks in the Administration Center. If for some reason you navigate away from this list you can access it by clicking "Home" located on the top left hand corner of the Administration Center. Home • Help User Functions Welcome Fz_,rusra 1D. 20,10 My account This is the UniPayGo!d Admin Center! Customer Admin + File Management All information sent to and from UniBank is processed through the Review Data Customer Administration Center. Through the Admin Center, you can upload files and other information to us and download lockbox files created for you. You will also use the Center to manage access by your staff to UniPay Gold and maintain information about your own account. You can also view reports and information regarding the payments you have received. Guest UMBank Page 12 User Functions The first classification is My Account. Here you will be able to go back to the login page and also change your password. The next user function is the Customer Administration. This function will be available to those of you who will be set up as an Administrator. Administrators have access to all areas of the UniPay Gold Administration Center, including the ability to Manage Users. Administrators can add new users, delete users, and edit existing ones. Other roles include the Customer User, Customer Researcher, and File Manager. Instructions on adding new users are included in the User Manual along with the access specifications for each role. The next User Function is File Management. Access to this section allows users to upload, delete (manual and scheduled deletion), and monitor inquiry files on UniPay Gold. The Import Monitor will allow you to view the progress of a file uploading as well as view an audit trail of past uploads. This will most importantly included the name of the person who uploaded the file with a timestamp of the start and end time. This section is also where users will download lockbox files from payments received each day. This process of payment posting can be done at the Town's discretion. The final User Function is Review Data. Here users will be able to view available reports and research payments made. There are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers by using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. By clicking on their email address you will be able to immediately contact your constituents. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. Scope of Work: A. Functionality 1. The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to only those employees who have a need to know such U%irBarnk Page 13 information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 2. Tender types accepted on the Uni Pay Gold system include the use of Credit/Debit Cards as well as ACH. Merchant Accounts are set up through UniBank's Credit Card Processor. These can be set up separately for each individual transaction type collected on the system or be grouped for all departments. At the time of setup this will be the choice of the Town. 4. A convenience fee will be passed through to the consumer for Credit Card only. This fee is assessed in order to process the payment and is based on the dollar amount of the transaction. (See Pricing Proposal) Consumers will not be charged a fee if they pay through the ACH payment method. 5. Within the UniPay Gold system the convenience fee amount for Credit Card transactions is shown as a separate entity and not grouped together with the transaction amount. All convenience fees funnel through a separate Merchant Account and are never grouped together with the transaction merchant accounts. 6. Payments made through the Credit Card payment option are approved or declined at the time of submission for payment. Payments made through the ACH payment option are subject to the NACHA rules and regulations. In the case of an ACH rejection, email notification is sent to both the Town of North Andover and the consumer once UniBank is notified by the Federal Reserve. 7. Each payment generates a sequential and unique confirmation number to the consumer. This confirmation is displayed on screen after successful submission with the ability to print. A similar confirmation is also emailed to the consumer's email address provided at the time of payment. With the help of our development team, UniBank spent an extensive amount of time creating a product that is scalable for our future. It has the ability to withstand the peak demand of seasonal collection cycles along with providing a solid product for our expanding customer base. 9. Upon set up, the Town of North Andover will be provided with a fully secure web based Administration Center. This Administration Center will allow town employees to research payments made using the search functionality, review reports containing payment information, and also download the lockbox file which has details on each payment made. This functionality allows for easy, online payment tracking. 10. In the case of a chargeback, email notification is sent to both the Town of North Andover and the consumer on the same day UniBank is notified of the rejection by the Federal Reserve. Uniftnk Page 14 11. Within the online Administration Center, town employees will have access to reports containing payment information. There are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into an Excel spreadsheet or text file depending on the Town's requirements. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. 12. Audit trails are available throughout the online Administration Center. With access to this website, you will be able to see the payment process starting with the file import to our site before any payment has been made all the way to the download of the lockbox file after the payment has been submitted. 13. A file download is available in the Administration Center once a payment has been made. UniBank is able to customize this file based on the format required for the receiving software. We are also in the initial stages of developing a web interface through the use of APIs that would pass the information securely without a file. 14. The UniPay Gold system offers a Cart for the consumer's convenience. This cart can be used to add multiple payments and process them all in one session. 15. There is a detailed online history through access to the Administration Center. As previously mentioned, there are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. A lockbox download is available that includes all payments received each day. The process of payment posting can be done at the Town's discretion. In addition to the online history of payments made, there are also audit trails available of the importing of each file. It allows you to monitor each of the inquiry files on UniPay Gold. You can view the progress of a file uploading as well as view an UMBank Page 15 audit trail of past uploads. This will most importantly include the name of the person who uploaded the file with a timestamp of the start and end time. 16. There are two ways of collecting payments: with a file or without a file. If the transaction is setup to include an inquiry file, the UniPay Gold system will require at least one lookup field in order for the consumer to continue in the payment process. These lookup fields can be set based on the Town's discretion and are usually set based on the accounting software used. 17. Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies) will be able to make payments on the UniPay Gold system just as a resident would. They will need to have the identifying information available in order to access the bill and process the payment. 18. Within the UniPay Gold system the look and feel of your Payment Center is customizable. We have the ability to modify the logo to include the same image used on your Town website. We can also add pictures, links, and text to the middle section of the initial welcome screen of the Payment Center as well as the right hand side frame area. Payment information collected is also a customized process dependent on the fields the Town would like the system to collect. We are available to make these changes during normal business hours at no cost to the Town. 19. The UniPay Gold product is built with a mapping tool which allows us to interface with virtually any software using a downloadable file format. We are also in the initial stages of developing a web interface through the use of APIs. B. Payment Validation 1. Upon selecting the ACH payment method consumers are required to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits of the routing number. 2. The ACH payment method is subject to the NACHA rules and regulations. Funds are deposited into the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. 3. Credit Card payments are approved or declined in real-time at the time of payment submission. C. Payment Processing 1. UniBank's Credit Card processor will deposit the funds as a daily batch to each merchant account. The number of merchant accounts will be at the discretion of the Town. Payments made over the weekend (Friday, Saturday, Sunday) will be deposited in separate batches but all made on the same day. UMBank Page 16 2. All ACH payments are deposited as a daily batch per transaction. Multiple reports are available on the UniPay Gold system that will provide feedback on payment confirmation and transaction information. 3. The UniPay Gold system allows for a web based Town Hall that is open 24 hours a day, 7 days a week. Payments that are received up until 11:59pm are processed through the NACHA rules and regulations for ACH files. In order to provide a complete batch deposit for each day, ACH files are created at 12 midnight. Funds are deposited into the Town's bank account two business days after the payment is made on the system. 4. Credit Card payments are processed through UniBank's Credit Card Processor which settles payments made within 3-4 business days. In order to provide a complete batch deposit for each day, the processor does not cut off batch totals prior to 12 midnight. 5. Based on the policies and procedures at the Federal Reserve, UniBank will receive notification of a rejection within 5 business days. Upon receipt of this notification, an email is generated to both the Town of North Andover and the consumer. Due to privacy there is some information that is not included on the initial email that is sent however this information is available on the Administration Center via a secure login. D. Reports There are four standard reports available to you: 1. Transaction Detail Report: This report provides a detailed look at the transactions made on a daily basis or by a range of dates. The information provided in this report includes the payment description, such as account number or bill number. Also, the post date and time and confirmation number for each payment is included. Finally, the tender type (ACH or Credit Card) and amount paid is included. These reports subtotal by transaction type (real estate, excise, etc.), and provide a net total for all transaction types within the chosen date range. Transaction Detail Report — Chargeback Only: In addition to the information provided by the standard transaction detail report, this report also includes the chargeback date and reason for chargeback. This report contains only those payments which have been charged back within the chosen date range. Bank Deposit Report — Aggregate: This report provides a separate total for each transaction type within a chosen date range. These reports are subtotaled by tender type (ACH, Discover, MasterCard) for all payments within the chosen date range. 4. Bank Deposit Report — Daily. This report is provided in the same format as the Bank Deposit Report — Aggregate, however each day's transactions are grouped and totaled to provide an easier view while reconciling over a date range. Uniftnk Page 17 Full payment information for any transaction can be viewed using our Research feature. This will allow the Town to search for payments by multiple criteria. The Town can then view a full receipt including payee name and contact information, as well as all payment information collected. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. These fees are not included within the standard reports provided. E. Training and Customer & Technical Support Upon set up, UniBank will provide the UniPay Gold User Manual to the Town of North Andover to assist with the implementation of the product. In addition, on site visits and conference calls will be held as requested whenever necessary. UniBank is committed to allocating the necessary resources to ensure a smooth implementation of service and a well-managed solution post -implementation. At UniBank, we work hard to provide our customers with the most technologically advanced products and services possible. We believe, however, that the greatest of these do not serve our customers well unless they are accompanied by solid commitment and the best support available. You are assigned an account officer who will be responsible for servicing your relationship. It is our practice to call in person on our municipal customers on a regular basis. Our customers are assigned a joint relationship management team consisting of the account officer and our UniPay Gold Support Team of three individuals who have been instrumental in the development of UniPay Gold and are very familiar with its systems, procedures and capabilities. In addition, our knowledgeable staff of Customer Service Representatives will be able to assist you with all other banking needs. For purposes of coverage, all of our staff is cross -trained. For that reason, be assured that any one of them are qualified to assist in meeting your needs. UniPay Gold is an advanced technology which will give you and your consumers a superior method of collecting taxes, fees, and other charges electronically. We realize that as you become acquainted with the many capabilities offered by UniPay Gold, you may have questions and may appreciate 'hands on' support and personal attention. Our hours of operation in Government Banking are typically 8:30 a.m. to 5 p.m. Our response to inquiries to either our sales team members or customer support group is immediate, and if resolution will take additional time, the action plan and timeline is outlined with the customer. Our goal is to provide our government banking customers with the best service possible. l nfilank Page 18 Patricia Baker, Senior Vice President and Head of Government Banking Department Brian Jamros, Vice President and Account Relationship Manager UniPay Team Kristy Couture, UniPay Supervisor Email: kristv.couture@unibank.com Direct Dial: 508-849-4247 Cindy Gleason, UniPay Coordinator Email: cindy.gleason@unibank.com Direct Dial: 508-849-4239 Debbie Mateer, UniPay Technical Support Email: debbie.mateer@unibank.com Direct Dial: 508-849-4255 Municipal Team Cheryl Schaefer, Online Banking Specialist Email: cheryl.schaefer@unibank.com Direct Dial: 508-849-4238 Stacy Castell, Customer Service Representative Email: stacy.castell@unibank.com Direct Dial: 508-849-4235 Amy Fisher, Municipal Technical Support Email: amy.fisher@unibank.com Direct Dial: 508-849-4237 Project Schedule Once proposal has been accepted by the Town, account opening and UniPay Gold setup processes will begin. After signed contract is received the setup process will take approximately one month to complete, not to exceed the deadline date of July ft, 2010. Presentation of UniPay Gold will be given to all users from the Town by an onsite visit. This presentation will review in detail all functionality of the UniPay Gold system and also include a question and answer session. We will be available for discussion of software integration options for all of the Town's current applications. 3. Town will complete and submit UniPay Gold and UniBank account setup information sheets with the Account Officer. 4. Town will send sample export files from accounting software for testing and setup purposes. 5. Town will upload accounting software files to the UniPay Gold Administration Center and test for accuracy. UMBank Page 19 6. Town webmaster will add the UniPay Gold Payment Center link to the Town of North Andover's website in a prominent place to allow consumers to access the new online payment option. Minimum Criteria/Qualifications A. We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. B. We are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). C. Please see attached list of full UniPay Gold customer base. Due to privacy concerns, the contact name and number has been provided for the 10 references listed below as we have been previously authorized to do so. Further information can be provided for other customers upon request. D. Below is a table of ten current UniPay Gold customers to be used as references. If further references are needed, please contact Brian Jamros or a member of our staff listed above. 1. Melanie Phillips 2. Kurtis Johnson Finance Director/Treasurer/ Director of Business Operations Collector Blackstone Valley Regional Town of Medway Vocational Technical High School 508.533.3205 508.529.7758 3. Robert McGuire 4. Kevin Merz Treasurer -Collector Treasurer / Collector Town of Norwood Town of Ipswich 781.762.1240 x111 978.356.6610 S. Cheryl Kelley 6. Maureen Dwinnell Town Treasurer/Collector Town Treasurer/Collector Town of Norfolk Town of Hopkinton 508.520.0058 508.497.9715 7. Theresa DeSilva 8. Paul Keating Jr. Treasurer/ Collector Treasurer/ Collector Town of Easton Town of Wayland 508.230.0610 508.358.3633 9. Wally Guertin 10. Marc Craig Production and Development Mgr Recreation Administrator City of Worcester Hanover Parks and Recreation 508.799.1272 x6665 781.826.7529 UnNank Page 110 Comparative Evaluation Criteria A. Experience with Municipalities in the Commonwealth of Massachusetts UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. B. Accepted Forms of Payment UniPay Gold allows the collection of payments through ACH as well as through Credit/Debit card. Cards accepted include MasterCard and Discover. At this time we are making system modifications that will allow us to apply for the VISA tax payment program. Please note that if the Town of North Andover is willing to pay for the consumer's convenience fees, VISA is available immediately. C. Authorization UniPay Gold provides real-time authorization for credit card payments. At the time of payment it is either accepted or declined. The system also provides check validation that requires consumers to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits inputted. The ACH payment method is subject to NACHA rules and regulations. Funds are deposited into the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. D. Security The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to those employees who have a business need to know that information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Unfi3ank Page 111 E. Transaction and Merchant Fee Processing Convenience fees for processing Credit Card are paid by the consumer. These fees are processed as a separate and unique transaction amount and are not imbedded in the total amount paid. MBank Page 112 -- -------- uni Full Customer List 1 Abington Public Schools 2 Acton Water District 3 Adams 4 Agawam 5 Agawam Public Schools 6 Amesbury 7 Amherst 8 Andover 9 Aquinnah 10 Ashburnham 11 Ashburnham Municipal Light Department 12 Ashby 13 Ashfield 14 Athol 15 Athol Town Clerk 16 Attleboro 17 Auburn 18 Avon 19 Becket 20 Bedford 21 Belchertown 22 Berlin 23 Beverly 24 Blackstone 25 Blackstone Valley Vocational Technical High School 26 Blackstone-Millville RSD 27 Bourne 28 Bourne Water District 29 Boxborough 30 Boxborough Public Schools 31 Boxford 32 Boylston 33 Braintree 34 Bridgewater 35 Brimfield 36 Brimfield Recreation 37 Bristol -Plymouth RSD 38 Bristol -Plymouth RSD Childcare Program 39 Buckland 40 Carlisle 41 Carver 42 Charlton 43 Chelsea 44 Chesterfield 45 Chicopee 46 Clarksburg 47 Concord 48 Concord Town Clerk 49 Conway 50 Dalton Fire District 51 Dedham 52 Deerfield 53 Dennis 54 Dennis Water District 55 Deputy Collector Brimfield 56 Deputy Collector Charlton 57 Deputy Collector Conway 58 Deputy Collector Orange 59 Deputy Collector Palmer 60 Deputy Collector Spencer 61 Deputy Collector West Springfield 62 Douglas 63 Dover 64 Dudley 65 Dunstable 66 East Longmeadow 67 East Longmeadow School Dept 68 Easthampton 69 Easton 70 Easton Town Clerk 71 Easton Water Division 72 Edgartown 73 Egremont 74 Fairhaven 75 Fall River 76 Gardner 77 Gardner Airport 78 Gardner Civil Enforcement 79 Gardner Development and Planning 80 Gardner Golf Course 81 Gardner Transfer Station 82 Gardner Water and Sewer Department 83 Georgetown 84 Georgetown Public Schools 85 Grafton 86 Grafton Public Schools 87 Greenfield 88 Greenfield Clerk 89 Groton 90 Groton Country Club 91 Groton Town Clerk 92 Groton Water Department 93 Groveland 94 Hadley 95 Halifax 96 Hamilton 97 Hampden 98 Hampden-Wilbraham RSD 99 Hanover 100 Hanover Park & Recreation 101 Hanover Public Schools 102 Hanson 103 Harvard Public Schools 104 Hatfield 105 Haverhill 106 Haverhill City Clerk 107 Haverhill DPW and Recycling 108 Haverhill Water Department 109 Holbrook 110 Holden 111 Holden Town Clerk 112 Holden Utility Bills 113 Holliston 114 Holliston Water Department 115 Holyoke 116 Hopedale 117 Hopedale Public Schools 118 Hopkinton onservation Board 125 Hopkinton Public School 126 Hopkinton Town Clerk 127 Hopkinton Town Manager 128 Hubbardston 129 Hubbardston Town Clerk 130 Hudson 131 Huntington 132 Ipswich 133 Ipswich Public Schools 134 Ipswich Utilities 135 Kingston 136 Lancaster 137 Lanesborough 138 Lanesborough Water Department 139 Lee 140 Leicester 141 Lenox 142 Leverett 143 Lexington 144 Lexington Town Clerk 145 Lincoln 146 Lincoln -Sudbury RSD 147 Littleton 148 Littleton Public Schools 149 Longmeadow 150 Ludlow 151 Lunenburg 152 Manchester by the Sea 153 Manchester -Essex RSD 154 Mansfield 155 Mansfield Public Schools 156 Maynard 157 Medfield 158 Medway 159 Mendon 160 Merrimac 161 Methuen 162 Middleborough 163 Middlefield 164 Middleton 165 Milford Regional Medical Center 166 Millbury 167 Millbury Public Schools 168 Millville 169 Milton 170 Montague 171 Monterey 172 Montgomery 173 Nahant 174 Nantucket 175 Nashoba RSD 176 Natick 177 Natick School Department 178 New Marlborough 179 New Salem 180 Newton 181 Newton Police Department 182 Newton Public Schools - Lunch 183 Newton Public Schools - Transportation 184 Norfolk 185 North Attleborough 186 North Brookfield 187 North Reading 188 North Reading Fire District 189 North Reading Public Schools 190 Northampton 191 Northborough -Southborough Public Schools 192 Northborough -Southborough RSD -HS Athletics 193 Northbridge 194 Northbridge Public Schools 195 Northbridge Town Clerk 196 Northbridge Utilities 197 Northfield 198 Norton 199 Norwell 200 Norwood 201 Norwood Light Department 202 Norwood Public Schools 203 Oak Bluffs 204 Oakham 205 Orange 206 Orange Town Clerk 207 Otis 208 Palmer 209 Palmer Fire & Water District #1 210 Peabody 211 Pelham 212 Pembroke 213 Pepperell 214 Peru 215 Plymouth 216 Plymouth Town Clerk 217 Princeton 218 Princeton Municipal Light Department 219 Quincy 220 Raynham 221 Reading Municipal Light Department 222 Rehoboth 223 Richmond 224 Rowley 225 Rowley Municipal Light Department 226 Royalston 227 Russell 228 Rutland 229 Salem 230 Salem Water Department 231 Salisbury 232 Salisbury Sewer 233 Saugus 234 Scituate 235 Scituate Harbormaster 236 Scituate Public Schools 237 Sherborn 238 Shrewsbury 239 Shrewsbury Public Schools 240 Shutesbury 241 Somerville Schools 242 Southborough 243 South Hadley 244 South Hadley Light Department 245 Southwick 246 Southwick Clerk 247 Spencer 248 Spencer Town Clerk 249 Spencer Utilities and Facilities 250 Sterling 251 Sterling Fire Department 252 Sterling Town Clerk 253 Stockbridge 254 Stoneham 255 Stow 256 Sturbridge 257 Sudbury 258 Sunderland 259 Sutton 260 Taunton 261 Templeton 262 Tisbury 263 Topsfield 264 Town of Orange - 2010 Bicentennial 265 Townsend 266 Tyngsborough 267 Tyringham 268 Uxbridge 269 Wakefield 270 Wales 271 Wannacomet Water Company 272 Ware 273 Warren 274 Warren Water District 275 Warwick 276 Watertown 277 Wayland Public Schools - Athletics 278 Wayland Public Schools - METCO 279 Webster 280 Webster Public Schools 281 Wellfleet 282 Wenham 283 West Boylston Public Schools 284 West Boylston Water District 285 West Springfield 286 West Stockbridge 287 West Warren Water District 288 Westborough Public Schools 289 Westford 290 Westford Water Department 291 Westminster 292 Westminster Clerk 293 Weston 294 Weymouth 295 Weymouth Water District 296 Whately 297 Whitinsville Water Company 298 Whitman 299 Whittier Reg Voc Tech High School 300 Williamsburg 301 Williamstown 302 Winchendon 303 Winchendon Public Schools 304 Winchester 305 Winchester Town Clerk 306 Woburn 307 Worcester 308 Worcester City Clerk 309 Worcester Fire Department 310 Worcester License Commission 311 Wrentham ca C) 3 ci -0 0) q I., ro .0 C =om 0 17 co 0 CO > 3 co OD ro 0 (n Q z In CD z (1) CD CD Proposal for UniPay Gold Online Payment Services Town of North Andover, Massachusetts March 31, 2010 Unlibnk www.unibank.com March 31, 2010 Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 Dear Mr. Santilli, Patricia A. Baker Senior Vice President Government Banking Department Thank you for expressing interest in our online tax and fee collection product, UniPay Gold, provided by the Government Banking Department at UniBank. I will be the individual who will execute the contract with the Town of North Andover on behalf of UniBank. By way of introduction, please allow me to point out that UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. UniBank's Government Banking Department is a full-service provider of solutions and services expected by municipal officials. These include collection, disbursement, reconciliation, and complex reporting services. This proposal will describe in detail our UniPay Gold product that is an example of our commitment to help municipalities optimize limited staffing as well as increase the potential for revenue enhancement. In lieu of the contract enclosed in the Town's RFP, attached you will find a copy of our 3 year contract. We would be grateful if the appropriate authority would sign and return this document if services are awarded to UniBank. We would consider any modifications requested. This proposal will remain in effect for 60 calendar days after the deadline date of March 31, 2010. UniBank is a member of Depositors Insurance Fund (DIF). As a municipal depositor with UniBank you automatically receive both FDIC and DIF insurance coverage for your deposits. "All deposit accounts are fully insured without regard to account title, class, or the number of 39 Church Street, Whitinsville, MA 01588 • (508) 234-8112 • (800) 678-1635 • Fax (508) 234-7619 • www.unibank.com accounts held by the depositor. Deposit balances, whether held in one account or aggregated across multiple accounts of the same depositor, are insured in full without limit or exception." We believe three characteristics distinguish UniBank: Our commitment to municipal government which extends from the Board of Directors and senior management to government banking and fiscal advisory staff members. • Our commitment to service which pervades the bank. Our stability. As a mutual savings bank, UniBank has no stockholders. As a result, we are not subject to the market forces that have been responsible for so many bank mergers and acquisitions in recent years. This allows us to focus on being a community bank serving the Blackstone Valley and a municipal bank serving all of Massachusetts. Thank you for considering us. Sincerely, atricia Baker Senior Vice President Government Banking Addenda Received: None Overview of UniPay Gold UniPay Gold provides you the ability to offer the collection of taxes, fees, and other charges through a web based product with multiple payment options (i.e. ACH and Credit Card) and security standards that only a financial institution can offer. Funds received via ACH transaction shall be credited to the Customer's selected account at UniBank within two (2) business days. Funds received via credit card transaction shall usually be credited to the Customer's UniPay account at UniBank within 3 or 4 business days depending upon the credit card processor. UniPay Gold consists of two components: Payment Center and Administration Center The Payment Center is your UniPay Gold website used by constituents/users to make payments for taxes, fees, purchases, or other charges. The Administration Center is the website you will use to receive payment information, upload files, and manage users. Payment Center Consumers will access the Payment Center through a link available on your website. This link will direct them to your Payment Portal where a customizable Welcome Message is displayed. Town of DEMO Home • Help Transactions: Clerk Licenses & Permits Other School Department Tax Collector Utilities Ii =ED IO FEQ View Cart Welcome Customer: Welcome to the Town of Demo's new and improved UniPay Gold Demo Town Not your town? online payment center through UniBank. UniBank Thank you for using UnWay Gold! Z, payment -f-- ion Is P., with stat - Rhe -industry encryption methods and certified through VeriSign. For more inhxma 7 on UniBank vis@ Page I 1 On the left hand side of the screen there is a list of classifications for the consumers to choose from. This list will be stationary throughout the payment process to allow consumers to use the payment cart feature. To make a payment a user will select the transaction type they wish to pay. If an import file is uploaded, consumers will be required to enter in the lookup fields in order to be directed to the next page where they will access their payment information. This page will be populated with information from the import file for verification. If this particular transaction type does not have a corresponding data file, consumers will be directed to the next page where they will be asked to enter in the required information, which you have requested to collect, before adding it to the Payment Cart. The Payment Cart will allow consumers to make multiple payments and purchases all in one easy transaction. Once all items are in the cart, consumers will click the "Checkout" button and be directed to the Billing Information page; this information is available for your use on the Administration Center. One final review of transactions to be paid will appear and require consumers to confirm before placing the payment request. Once this request has been submitted, a copy of the confirmation will be sent immediately to the provided email address. In the case of a returned item, an email will be sent to both to the consumer and the Town. Administration Center Your users will access the Administration Center through a link provided by UniBank. This link will direct them to login page where they will enter in a username and password specific to each user. Once successfully logged in, they will be directed to a Welcome Page (shown below) which is the Home Page for UniPay Gold allowing them access to all the services it provides. The navigation panel on the left hand side of the Home Page will be stationary throughout most tasks in the Administration Center. If for some reason you navigate away from this list you can access it by clicking "Home" located on the top left hand corner of the Administration Center. Home • Help User Functions• My Account Customer Admin File Management Review Data UMBa►nk Welcorne --arual 1u.:;i0 Guest This is the UniPayGold Admin Center! r All information sent to and from Unil3ank is processed through the Customer Administration Center. Through the Admin Center, you can upload files and other information to us and download lockbox files created for you. You will also use the Center to manage access by your staff to UniPay Gold and maintain information about your own account. You can also view reports and information regarding the payments you have received. Page 12 User Functions The first classification is My Account. Here you will be able to go back to the login page and also change your password. The next user function is the Customer Administration. This function will be available to those of you who will be set up as an Administrator. Administrators have access to all areas of the UniPay Gold Administration Center, including the ability to Manage Users. Administrators can add new users, delete users, and edit existing ones. Other roles include the Customer User, Customer Researcher, and File Manager. Instructions on adding new users are included in the User Manual along with the access specifications for each role. The next User Function is File Management. Access to this section allows users to upload, delete (manual and scheduled deletion), and monitor inquiry files on UniPay Gold. The Import Monitor will allow you to view the progress of a file uploading as well as view an audit trail of past uploads. This will most importantly included the name of the person who uploaded the file with a timestamp of the start and end time. This section is also where users will download lockbox files from payments received each day. This process of payment posting can be done at the Town's discretion. The final User Function is Review Data. Here users will be able to view available reports and research payments made. There are four reports available to you: Transaction Detail Report, Transaction Detail Report—Chargeback Only, Bank Deposit Report, and Bank Deposit Report— Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers by using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. By clicking on their email address you will be able to immediately contact your constituents. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. Scope of Work: A. Functionality 1. The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to only those employees who have a need to know such UnNaank Page 13 information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 2. Tender types accepted on the UniPay Gold system include the use of Credit/Debit Cards as well as ACH. Merchant Accounts are set up through UniBank's Credit Card Processor. These can be set up separately for each individual transaction type collected on the system or be grouped for all departments. At the time of setup this will be the choice of the Town. 4. A convenience fee will be passed through to the consumer for Credit Card only. This fee is assessed in order to process the payment and is based on the dollar amount of the transaction. (See Pricing Proposal) Consumers will not be charged a fee if they pay through the ACH payment method. Within the UniPay Gold system the convenience fee amount for Credit Card transactions is shown as a separate entity and not grouped together with the transaction amount. All convenience fees funnel through a separate Merchant Account and are never grouped together with the transaction merchant accounts. 6. Payments made through the Credit Card payment option are approved or declined at the time of submission for payment. Payments made through the ACH payment option are subject to the NACHA rules and regulations. In the case of an ACH rejection, email notification is sent to both the Town of North Andover and the consumer once UniBank is notified by the Federal Reserve. 7. Each payment generates a sequential and unique confirmation number to the consumer. This confirmation is displayed on screen after successful submission with the ability to print. A similar confirmation is also emailed to the consumer's email address provided at the time of payment. With the help of our development team, UniBank spent an extensive amount of time creating a product that is scalable for our future. It has the ability to withstand the peak demand of seasonal collection cycles along with providing a solid product for our expanding customer base. 9. Upon set up, the Town of North Andover will be provided with a fully secure web based Administration Center. This Administration Center will allow town employees to research payments made using the search functionality, review reports containing payment information, and also download the lockbox file which has details on each payment made. This functionality allows for easy, online payment tracking. 10. In the case of a chargeback, email notification is sent to both the Town of North Andover and the consumer on the same day UniBank is notified of the rejection by the Federal Reserve. U1►' iftnk Page 14 11. Within the online Administration Center, town employees will have access to reports containing payment information. There are four reports available to you: Transaction Detail Report, Transaction Detail Report—Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into an Excel spreadsheet or text file depending on the Town's requirements. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. 12. Audit trails are available throughout the online Administration Center. With access to this website, you will be able to see the payment process starting with the file import to our site before any payment has been made all the way to the download of the lockbox file after the payment has been submitted. 13. A file download is available in the Administration Center once a payment has been made. UniBank is able to customize this file based on the format required for the receiving software. We are also in the initial stages of developing a web interface through the use of APIs that would pass the information securely without a file. 14. The UniPay Gold system offers a Cart for the consumer's convenience. This cart can be used to add multiple payments and process them all in one session. 15. There is a detailed online history through access to the Administration Center. As previously mentioned, there are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. A lockbox download is available that includes all payments received each day. The process of payment posting can be done at the Town's discretion. In addition to the online history of payments made, there are also audit trails available of the importing of each file. It allows you to monitor each of the inquiry files on UniPay Gold. You can view the progress of a file uploading as well as view an UMBank Page 15 audit trail of past uploads. This will most importantly include the name of the person who uploaded the file with a timestamp of the start and end time. 16. There are two ways of collecting payments: with a file or without a file. If the transaction is setup to include an inquiry file, the UniPay Gold system will require at least one lookup field in order for the consumer to continue in the payment process. These lookup fields can be set based on the Town's discretion and are usually set based on the accounting software used. 17. Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies) will be able to make payments on the UniPay Gold system just as a resident would. They will need to have the identifying information available in order to access the bill and process the payment. 18. Within the UniPay Gold system the look and feel of your Payment Center is customizable. We have the ability to modify the logo to include the same image used on your Town website. We can also add pictures, links, and text to the middle section of the initial welcome screen of the Payment Center as well as the right hand side frame area. Payment information collected is also a customized process dependent on the fields the Town would like the system to collect. We are available to make these changes during normal business hours at no cost to the Town. 19. The UniPay Gold product is built with a mapping tool which allows us to interface with virtually any software using a downloadable file format. We are also in the initial stages of developing a web interface through the use of APIs. Payment Validation 1. Upon selecting the ACH payment method consumers are required to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits of the routing number. The ACH payment method is subject to the NACHA rules and regulations. Funds are deposited into the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. 3. Credit Card payments are approved or declined in real-time at the time of payment submission. C. Payment Processing 1. UniBank's Credit Card processor will deposit the funds as a daily batch to each merchant account. The number of merchant accounts will be at the discretion of the Town. Payments made over the weekend (Friday, Saturday, Sunday) will be deposited in separate batches but all made on the same day. UniBank Page 16 2. All ACH payments are deposited as a daily batch per transaction. Multiple reports are available on the UniPay Gold system that will provide feedback on payment confirmation and transaction information. The UniPay Gold system allows for a web based Town Hall that is open 24 hours a day, 7 days a week. Payments that are received up until 11:59pm are processed through the NACHA rules and regulations for ACH files. In order to provide a complete batch deposit for each day, ACH files are created at 12 midnight. Funds are deposited into the Town's bank account two business days after the payment is made on the system. 4. Credit Card payments are processed through UniBank's Credit Card Processor which settles payments made within 3-4 business days. In order to provide a complete batch deposit for each day, the processor does not cut off batch totals prior to 12 midnight. 5. Based on the policies and procedures at the Federal Reserve, UniBank will receive notification of a rejection within 5 business days. Upon receipt of this notification, an email is generated to both the Town of North Andover and the consumer. Due to privacy there is some information that is not included on the initial email that is sent however this information is available on the Administration Center via a secure login. D. Reports There are four standard reports available to you: 1. Transaction Detail Report: This report provides a detailed look at the transactions made on a daily basis or by a range of dates. The information provided in this report includes the payment description, such as account number or bill number. Also, the post date and time and confirmation number for each payment is included. Finally, the tender type (ACH or Credit Card) and amount paid is included. These reports subtotal by transaction type (real estate, excise, etc.), and provide a net total for all transaction types within the chosen date range. 2. Transaction Detail Report — Chargeback Only: In addition to the information provided by the standard transaction detail report, this report also includes the chargeback date and reason for chargeback. This report contains only those payments which have been charged back within the chosen date range. 3. Bank Deposit Report — Aggregate: This report provides a separate total for each transaction type within a chosen date range. These reports are subtotaled by tender type (ACH, Discover, MasterCard) for all payments within the chosen date range. 4. Bank Deposit Report — Daily. This report is provided in the same format as the Bank Deposit Report — Aggregate, however each day's transactions are grouped and totaled to provide an easier view while reconciling over a date range. Unffi nk Page 17 Full payment information for any transaction can be viewed using our Research feature. This will allow the Town to search for payments by multiple criteria. The Town can then view a full receipt including payee name and contact information, as well as all payment information collected. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. These fees are not included within the standard reports provided. E. Training and Customer & Technical Support Upon set up, UniBank will provide the UniPay Gold User Manual to the Town of North Andover to assist with the implementation of the product. In addition, on site visits and conference calls will be held as requested whenever necessary. UniBank is committed to allocating the necessary resources to ensure a smooth implementation of service and a well-managed solution post -implementation. At UniBank, we work hard to provide our customers with the most technologically advanced products and services possible. We believe, however, that the greatest of these do not serve our customers well unless they are accompanied by solid commitment and the best support available. You are assigned an account officer who will be responsible for servicing your relationship. It is our practice to call in person on our municipal customers on a regular basis. Our customers are assigned a joint relationship management team consisting of the account officer and our UniPay Gold Support Team of three individuals who have been instrumental in the development of UniPay Gold and are very familiar with its systems, procedures and capabilities. In addition, our knowledgeable staff of Customer Service Representatives will be able to assist you with all other banking needs. For purposes of coverage, all of our staff is cross -trained. For that reason, be assured that any one of them are qualified to assist in meeting your needs. UniPay Gold is an advanced technology which will give you and your consumers a superior method of collecting taxes, fees, and other charges electronically. We realize that as you become acquainted with the many capabilities offered by UniPay Gold, you may have questions and may appreciate 'hands on' support and personal attention. Our hours of operation in Government Banking are typically 8:30 a.m. to 5 p.m. Our response to inquiries to either our sales team members or customer support group is immediate, and if resolution will take additional time, the action plan and timeline is outlined with the customer. Our goal is to provide our government banking customers with the best service possible. U/tnk Page 18 Patricia Baker, Senior Vice President and Head of Government Banking Department Brian Jamros, Vice President and Account Relationship Manager UniPay Team Kristy Couture, UniPay Supervisor Email: kristy.couture@unibank.com Direct Dial: 508-849-4247 Cindy Gleason, UniPay Coordinator Email: cindy.gleason@unibank.com Direct Dial: 508-849-4239 Debbie Mateer, UniPay Technical Support Email: debbie.mateer@unibank.com Direct Dial: 508-849-4255 Municipal Team Cheryl Schaefer, Online Banking Specialist Email: cheryl.schaefer@unibank.com Direct Dial: 508-849-4238 Stacy Castell, Customer Service Representative Email: stacy.castell@unibank.com Direct Dial: 508-849-4235 Amy Fisher, Municipal Technical Support Email: amy.fisher@unibank.com Direct Dial: 508-849-4237 F. Project Schedule Once proposal has been accepted by the Town, account opening and UniPay Gold setup processes will begin. After signed contract is received the setup process will take approximately one month to complete, not to exceed the deadline date of July ft, 2010. 1. Presentation of UniPay Gold will be given to all users from the Town by an onsite visit. This presentation will review in detail all functionality of the UniPay Gold system and also include a question and answer session. 2. We will be available for discussion of software integration options for all of the Town's current applications. 3. Town will complete and submit UniPay Gold and UniBank account setup information sheets with the Account Officer. 4. Town will send sample export files from accounting software for testing and setup purposes. 5. Town will upload accounting software files to the UniPay Gold Administration Center and test for accuracy. Vniftnk Page 19 6. Town Webmaster will add the UniPay Gold Payment Center link to the Town of North Andover's website in a prominent place to allow consumers to access the new online payment option. Minimum Criteria/Qualifications A. We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. B. We are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). C. Please see attached list of full UniPay Gold customer base. Due to privacy concerns, the contact name and number has been provided for the 10 references listed below as we have been previously authorized to do so. Further information can be provided for other customers upon request. D. Below is a table of ten current UniPay Gold customers to be used as references. If further references are needed, please contact Brian lamros or a member of our staff listed above. 1. Melanie Phillips 2. Kurtis Johnson Finance Director/Treasurer/ Director of Business Operations Collector Blackstone Valley Regional Town of Medway Vocational Technical High School 508.533.3205 508.529.7758 3. Robert McGuire 4. Kevin Merz Treasurer -Collector Treasurer/ Collector Town of Norwood Town of Ipswich 781.762.1240 x111 978.356.6610 5. Cheryl Kelley 6. Maureen Dwinnell Town Treasurer/Collector Town Treasurer/Collector Town of Norfolk Town of Hopkinton 508.520.0058 508.497.9715 7. Theresa DeSilva 8. Paul Keating Jr. Treasurer/ Collector Treasurer/ Collector Town of Easton Town of Wayland 508.230.0610 508.358.3633 9. Wally Guertin 10. Marc Craig Production and Development Mgr Recreation Administrator City of Worcester Hanover Parks and Recreation 508.799.1272 x6665 781.826.7529 UntVank Page 110 Comparative Evaluation Criteria A. Experience with Municipalities in the Commonwealth of Massachusetts UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. B. Accepted Forms of Payment UniPay Gold allows the collection of payments through ACH as well as through Credit/Debit card. Cards accepted include MasterCard and Discover. At this time we are making system modifications that will allow us to apply for the VISA tax payment program. Please note that if the Town of North Andover is willing to pay for the consumer's convenience fees, VISA is available immediately. C. Authorization UniPay Gold provides real-time authorization for credit card payments. At the time of payment it is either accepted or declined. The system also provides check validation that requires consumers to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits inputted. The ACH payment method is subject to NACHA rules and regulations. Funds are deposited into the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. D. Security The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to those employees who have a business need to know that information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. U MBank Page I 11 E. Transaction and Merchant Fee Processing Convenience fees for processing Credit Card are paid by the consumer. These fees are processed as a separate and unique transaction amount and are not imbedded in the total amount paid. lMBan ` Page 112 �uni(G-n D Full Customer List 1 Abington Public Schools 2 Acton Water District 3 Adams 4 Agawam 5 Agawam Public Schools 6 Amesbury 7 Amherst 8 Andover 9 Aquinnah 10 Ashburnham 11 Ashburnham Municipal Light Department 12 Ashby 13 Ashfield 14 Athol 15 Athol Town Clerk 16 Attleboro 17 Auburn 18 Avon 19 Becket 20 Bedford 21 Belchertown 22 Berlin 23 Beverly 24 Blackstone 25 Blackstone Valley Vocational Technical High School 26 Blackstone-Millville RSD 27 Bourne 28 Bourne Water District 29 Boxborough 30 Boxborough Public Schools 31 Boxford 32 Boylston 33 Braintree 34 Bridgewater 35 Brimfield 36 Brimfield Recreation 37 Bristol -Plymouth RSD 38 Bristol -Plymouth RSD Childcare Program 39 Buckland 40 Carlisle 41 Carver 42 Charlton 43 Chelsea 44 Chesterfield 45 Chicopee 46 Clarksburg 47 Concord 48 Concord Town Clerk 49 Conway 50 Dalton Fire District 51 Dedham 52 Deerfield 53 Dennis 54 Dennis Water District 55 Deputy Collector Brimfield 56 Deputy Collector Charlton 57 Deputy Collector Conway 58 Deputy Collector Orange 59 Deputy Collector Palmer 60 Deputy Collector Spencer 61 Deputy Collector West Springfield 62 Douglas 63 Dover 64 Dudley 65 Dunstable 66 East Longmeadow 67 East Longmeadow School Dept 68 Easthampton 69 Easton 70 Easton Town Clerk 71 Easton Water Division 72 Edgartown 73 Egremont 74 Fairhaven 75 Fall River 76 Gardner 77 Gardner Airport 78 Gardner Civil Enforcement 79 Gardner Development and Planning 80 Gardner Golf Course 81 Gardner Transfer Station 82 Gardner Water and Sewer Department 83 Georgetown 84 Georgetown Public Schools 85 Grafton 86 Grafton Public Schools 87 Greenfield 88 Greenfield Clerk 89 Groton 90 Groton Country Club 91 Groton Town Clerk 92 Groton Water Department 93 Groveland 94 Hadley 95 Halifax 96 Hamilton 97 Hampden 98 Hampden -Wilbraham RSD 99 Hanover 100 Hanover Park & Recreation 101 Hanover Public Schools 102 Hanson 103 Harvard Public Schools 104 Hatfield 105 Haverhill 106 Haverhill City Clerk 107 Haverhill DPW and Recycling 108 Haverhill Water Department 109 Holbrook 110 Holden 111 Holden Town Clerk 112 Holden Utility Bills 113 Holliston 114 Holliston Water Department 115 Holyoke 116 Hopedale 117 Hopedale Public Schools 118 Hopkinton 119 Hopkinton - DPW 120 Hopkinton Board of Appeals 121 Hopkinton Building Department 122 Hopkinton Conservation Department 123 Hopkinton Parking Clerk 124 Hopkinton Planning Board 125 Hopkinton Public School 126 Hopkinton Town Clerk 127 Hopkinton Town Manager 128 Hubbardston 129 Hubbardston Town Clerk 130 Hudson 131 Huntington 132 Ipswich 133 Ipswich Public Schools 134 Ipswich Utilities 135 Kingston 136 Lancaster 137 Lanesborough 138 Lanesborough Water Department 139 Lee 140 Leicester 141 Lenox 142 Leverett 143 Lexington 144 Lexington Town Clerk 145 Lincoln 146 Lincoln -Sudbury RSD 147 Littleton 148 Littleton Public Schools 149 Longmeadow 150 Ludlow 151 Lunenburg 152 Manchester by the Sea 153 Manchester -Essex RSD 154 Mansfield 155 Mansfield Public Schools 156 Maynard 157 Medfield 158 Medway 159 Mendon 160 Merrimac 161 Methuen 162 Middleborough 163 Middlefield 164 Middleton 165 Milford Regional Medical Center 166 Millbury 167 Millbury Public Schools 168 Millville 169 Milton 170 Montague 171 Monterey 172 Montgomery 173 Nahant 174 Nantucket 175 Nashoba RSD 176 Natick 177 Natick School Department 178 New Marlborough 179 New Salem 180 Newton 181 Newton Police Department 182 Newton Public Schools - Lunch 183 Newton Public Schools - Transportation 184 Norfolk 185 North Attleborough 186 North Brookfield 187 North Reading 188 North Reading Fire District 189 North Reading Public Schools 190 Northampton 191 Northborough -Southborough Public Schools 192 Northborough -Southborough RSD -HS Athletics 193 Northbridge 194 Northbridge Public Schools 195 Northbridge Town Clerk 196 Northbridge Utilities 197 Northfield 198 Norton 199 Norwell 200 Norwood 201 Norwood Light Department 202 Norwood Public Schools 203 Oak Bluffs 204 Oakham 205 Orange 206 Orange Town Clerk 207 Otis 208 Palmer 209 Palmer Fire & Water District #1 210 Peabody 211 Pelham 212 Pembroke 213 Pepperell 214 Peru 215 Plymouth 216 Plymouth Town Clerk 217 Princeton 218 Princeton Municipal Light Department 219 Quincy 220 Raynham 221 Reading Municipal Light Department 222 Rehoboth 223 Richmond 224 Rowley 225 Rowley Municipal Light Department 226 Royalston 227 Russell 228 Rutland 229 Salem 230 Salem Water Department 231 Salisbury 232 Salisbury Sewer 233 Saugus 234 Scituate 235 Scituate Harbormaster 236 Scituate Public Schools 237 Sherborn 238 Shrewsbury 239 Shrewsbury Public Schools 240 Shutesbury 241 Somerville 7chools 242 Southborough 243 South Hadley 244 South Hadley Light Department 245 Southwick 246 Southwick Clerk 247 Spencer 248 Spencer Town Clerk 249 Spencer Utilities and Facilities 250 Sterling 251 Sterling Fire Department 252 Sterling Town Clerk 253 Stockbridge 254 Stoneham 255 Stow 256 Sturbridge 257 Sudbury 258 Sunderland 259 Sutton 260 Taunton 261 Templeton 262 Tisbury 263 Topsfield 264 Town of Orange - 2010 Bicentennial 265 Townsend 266 Tyngsborough 267 Tyringham 268 Uxbridge 269 Wakefield 270 Wales 271 Wannacomet Water Company 272 Ware 273 Warren 274 Warren Water District 275 Warwick 276 Watertown 277 Wayland Public Schools - Athletics 278 Wayland Public Schools - METCO 279 Webster 280 Webster Public Schools 281 Wellfleet 282 Wenham 283 West Boylston Public Schools 284 West Boylston Water District 285 West Springfield 286 West Stockbridge 287 West Warren Water District 288 Westborough Public Schools 289 Westford 290 Westford Water Department 291 Westminster 292 Westminster Clerk 293 Weston 294 Weymouth 295 Weymouth Water District 296 Whately 297 Whitinsville Water Company 298 Whitman 299 Whittier Reg Voc Tech High School 300 Williamsburg 301 Williamstown 302 Winchendon 303 Winchendon Public Schools 304 Winchester 305 Winchester Town Clerk 306 Woburn 307 Worcester 308 Worcester City Clerk 309 Worcester Fire Department 310 Worcester License Commission 311 Wrentham 22 Friday, March 5, 2010 THE EAGLE -TRIBUNE Nissan Altima GX 115K, maroon auto spoiler,new ti��S/"' cellent condi ' un Ist $2750ta 603) SUBARU, Forester 2.5 XS 2003. 103,000 miles. Very Good Condition. One owner. Timing belt and water pump new. Silver with leather seats and sunroof. $8800 978-526-1145 LEGAL NOTICE TOWN OF NORTH ANDOVER The Town of North Andover ('7own") is soliciting Request forProposals (RFP) for on-line bill pay serv- ices. The Town intends to collect various payments via the internet (pay -on-line) from customers using e -checks, credit cards or debit cards. The Town Of North Andover is seeking to award a three-year con- tract for on-line bill pay services. The complete RFP is available on the Town web- site (www.townofnorthandover.com) under "Available Bids, Quotes and Proposals". The Town will only accept proposals delivered in person or by mail. All proposals must be received by 2:00 p.m. on Wednesday, March 31, 2010 to be considered. The Town of North Andover may cancel this RFP or reject in whole or in part any and all proposals, it they determine that cancellation or rejection serves the best interest of the Town of North Andover. ET — 3/5/10 LEGAL NOTICE NOTICE OF MORTGAGEE'S SALE OF REAL ESTATE and in Pxprijtinn of the Pov SUZUKI RENO 2006 - Only 21,000 miles, AC, all power, CD player, automatic, new ti- res, $6000. Call� (978) 879-4241 TOYOTA Carnry Hybrid 2009, white, navigation system, low miles, must sell,excellent con- dition. $21,900. Ray 978-807-8151 TOYOTA Cornry LE 2003 Silver, automatic, remote starter, 69K excellent condi- tion $8500 Call (978) 546-6349 TOYOTA TERCEL 1995 4 cyl., automatic, new tires, tune up & sticker, gas saver, runs great $1,000 Call (978) 452-5238 VOLVO, S 80 2002. 41000 miles. Automatic, 2.9 liter 6 cyl, front wheel drive, silver, blk a er, a r options e'te,. "�y Z,, er, ys t' W p CDIA ass ,h,e Is 0 n - I. gar excellent cond 1 0 BO 978-948_M5 NOTICE OF SALE OF By virtue and in exe THE EAGLE -TRIBUNE Friday, March 5,2010 21 =77�"7�' �F'771 moam OPEN Mon. thru Fri. 8AM to 8 PM! Saturday till 8 PM Sunday 1 1AM-5PM! WHO TM & NES, EXCWDED MOMS MAY VARY, 9 RESERVE THE RIGHT TO CCRRECT1P0G1WHiCA! ERRORS Rvail and Wo hunce opr,rees varies deperd�j up 0* cvedlw�iflm of cv�omt as 1208 Jeturnined by lending r,� Am. Out cI state sares & �oses may vary 44 to local taxes. �j On 2010 71 A F I 50"r5 - 'ORD WSW! 1171-01) SE;DAi $ 22,140 MSRP $ 28,070 1,500 _ME .$ 2,575 PortsmoA Ford Discount J'OW F02TRIOUTH F020 PROW 2,145 , r�7' PAW On -Line Bill Pay Services Company: UniBank MK JM JY Comparative Criteria 1 5 5 5 Comparative Criteria 2 3 1 5 Comparative Criteria 3 5 5 5 Comparative Criteria 4 5 3 5 Comparative Criteria 5 5 5 5 Subtotal: 23 19 25 Totals: Score 67 Company: MCC Totals: Score 71 Summary: Score UniBank 67 MCC 71 MK JM JY Comparative Criteria 1 5 5 5 Comparative Criteria 2 5 5 1 Comparative Criteria 3 5 5 5 Comparative Criteria 4 5 5 5 Comparative Criteria 5 5 5 5 Subtotal: 25 25 21 Totals: Score 71 Summary: Score UniBank 67 MCC 71 A COMPANY: M C c - Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifcations Each applicant must demonstrate that it meets the following minimum qualifications: -"A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. /�. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. ✓D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Submission of separate and sealed proposal and pricing sheet. F. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay hAkservices for municipalities in the Commonwealth of Massachusetts will be considered Highly � Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and Evaluation of `On -Line Bill Pay Services' Submissions Page] of 4 M monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: _ 6, B. Accepted Forms of Payment of System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: .S C. Authorization 'Q Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 5— Evaluation Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 4 D. Security 0 Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: S E. Transaction and Merchant Fee Processing Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: ._ Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of : COMPANY: t( C C_ SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S' SCORE FOR COMPARATIVE EVALUATION CRITERIA B: ,' SCORE FOR COMPARATIVE EVALUATION CRITERIA C: _5' SCORE FOR COMPARATIVE EVALUATION CRITERIA D: S SCORE FOR COMPARATIVE EVALUATION CRITERIA E: -5- TOTAL SCORE: .25� NAME OF EVALUATOR: M. 4c,X&4.� DATE: I -la -/a Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 4 COMPANY: (\., Gr i V" Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: ',"A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. A. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. ✓D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Submission of separate and sealed proposal and pricing sheet. F. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts (* Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 4 monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: 5- B. B. Accepted Forms of Payment System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) System proposed does not support payments from at least one of the following: American Ex ress, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: -2 C. Authorization V Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA G .SJ Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 4 D. Security (% Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: ._ E. Transaction and Merchant Fee Processing Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: .5� Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 4 1 4 COMPANY: Um d4.1 V, SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S SCORE FOR COMPARATIVE EVALUATION CRITERIA B: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA C: 5 - SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 5 - SCORE FOR COMPARATIVE EVALUATION CRITERIA E: r TOTAL SCORE: a3 NAME OF EVALUATOR: j4 • 14,-, 1 � DATE: 4-1.2-10 Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 4 COMPANY: fm I C Ci Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: �IY A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. Op B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. ✓C - Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. vff� 1?• E. Submission of separate and sealed proposal and pricing sheet. F. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES V NO Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 4 40 monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: Is - B. Accepted Forms of Payment ♦ System proposed supports payments using America press, Disc v , V>f�, Mastetk4d and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizati naor credit card ayments and performs eck validation and real-time_authorization for e -check _ m� ill be considered Highly (J'Advantageous (5 points) 7 ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 4 4 D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous Q points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and meant fees are paid by the con er (not the Town); the convenience fees are processed as separate and unique transact* amounts, not imbedded in the total amount paid will be considered Highly Advantag (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous Q points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 4 COMPANY: V t e�� SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES V NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: -6 SCORE FOR COMPARATIVE EVALUATION CRITERIA B: SCORE FOR COMPARATIVE EVALUATION CRITERIA C: S SCORE FOR COMPARATIVE EVALUATION CRITERIA D:_ SCORE FOR COMPARATIVE EVALUATION CRITERIA E: TOTAL SCORE: NAME OF EVALUATOR: DATE: Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 4 it fI COMPANY: Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Submission of separate and sealed proposal and pricing sheet. F. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES NO Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) (gyp I au ♦ Vendor has less than five (5) years experience but more than three years, in the set up and Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 4 Wo monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S B. Accepted Forms of Payment System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System_proposed down, of support payments from at least two of the following: American �-eis-64vantageous ess, Discover, Uisa asterCard, and MasterCard/Visa debit cards will be const ered (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: Nll mutnorizat ♦ Proposed stem provides rea � e authorizations for credit card payments do performs check vali ation� d real-time authorization for e -Zeck payments will be considered Highly --Advad ageous-(5 points) ♦ Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearlyindicates the transaction and merd0fees are aid b th consumer P Y (not the Town); the convenience fees are processed as separate and unique transaction � 'j�. q amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 r points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: S_ Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 4 COMPANY: SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: I SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: TOTAL SCORE: NAME OF EVALUATOR en;/wa-;/ DATE:' Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 4 4. COMPANY: /_1 C -c Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Oualifications Each applicant must demonstrate that it meets the following minimum qualifications: ,/ A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. AVendor shall have a minimum of fifteen (15) government clients in Massachusetts. /C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. /D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Submission of separate and sealed proposal and pricing sheet. F. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALITIFCATIONS MET: YES `"'/ NO qA-1-41 F�-F Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and Evaluation of `On -Line Bill Pay Services' Submissions Page 1 of 4 monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) 1-1 SCORE FOR COMPARATIVE EVALUATION CRITERIA A: S B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 4 D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: Sr Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 4 ^A I COMPANY: ACC -1 SUMMARY ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B SCORE FOR COMPARATIVE EVALUATION CRITERIA C: SCORE FOR COMPARATIVE EVALUATION CRITERIA D: SCORE FOR COMPARATIVE EVALUATION CRITERIA E: TOTALSCORE NAME OF EVALUATOR: �/\ DATE: '�/ 12-2-11, Evaluation of `On -Line Bill Pay Services' Submissions / NO We - Page 4 of 4 . 4 r COMPANY: Un f �jG,h k Evaluation of `On -Line Bill Pay Services' Submissions Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. v1 B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. E. Submission of separate and sealed proposal and pricing sheet. 0 F. Submission of required statements and forms. ALL MINIMUM CRITERIA/QUALTTIFCATIONS MET: YES NO Comparative Evaluation Criteria All proposals meeting the minimum criteria/qualifications will then be evaluated based upon the specific comparative evaluation criteria. The following point schedule will be utilized: Highly advantageous 5 points Response excels on the specific criterion Advantageous 3 points Response meets evaluation standard for the criterion Least Advantageous 1 point Response does not fully meet the criterion or leaves a question or issue not fully addressed Does Not Meet 0 points * Does not address the criterion * Proposal is automatically eliminated from further consideration if "0 points" is received in any category. A. Experience with Municipalities in the Commonwealth of Massachusetts ♦ Vendor has at least five (5) years experience in the set up and monitoring of on-line bill pay services for municipalities in the Commonwealth of Massachusetts will be considered Highly Advantageous (5 points) ♦ Vendor has less than five (5) years experience but more than three years, in the set up and Evaluation of `On -Line Bill Pay Services' Submissions Pagel of 4 monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Advantageous (3 points) ♦ Vendor has less than three years experience, but more than one year, in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered Least Advantageous (1 point) ♦ Vendor has less than one year experience in the set up and monitoring of on-line bill paying for municipalities in the Commonwealth of Massachusetts will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA A: B. Accepted Forms of Payment ♦ System proposed supports payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks will be considered Highly Advantageous (5 points) ♦ System proposed does not support payments from at least one of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Advantageous (3 points) ♦ System proposed does not support payments from at least two of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered Least Advantageous (1 point) ♦ System proposed does not support payments from at least three of the following: American Express, Discover, Visa, MasterCard, and MasterCard/Visa debit cards will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA B: C. Authorization ♦ Proposed system provides real-time authorizations for credit card payments and performs check validation and real-time authorization for e -check payments will be considered Highly Advantageous (5 points) Proposed system does not provide either real-time authorizations for credit card payments or check validation and real-time authorization for e -check payments will be considered Advantageous (3 points) ♦ Proposed system does not provide real-time authorization for credit card payments or check validation and real-time authorization for e -check payments will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA C: Y Evaluation of `On -Line Bill Pay Services' Submissions Page 2 of 4 D. Security ♦ Vendor demonstrates and documents in detail all aspects of security measures that are in place will be considered Highly Advantageous (5 points) ♦ Vendor has security measures in place but fails to demonstrate or document them in detail will be considered Advantageous (3 points) ♦ Vendor has security measures in place but provides minimal information will be considered Least Advantageous (1 point) ♦ Vendor does not have security measures in place will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 3 E. Transaction and Merchant Fee Processing ♦ Proposed system clearly indicates the transaction and merchant fees are paid by the consumer (not the Town); the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Highly Advantageous (5 points) ♦ Proposed system does not clearly indicate the transaction and merchant fess are paid by the consumer; the convenience fees are processed as separate and unique transaction amounts, not imbedded in the total amount paid will be considered Advantageous (3 points) ♦ Proposed system clearly indicates the transaction and merchant fess are paid by the consumer; the convenience fees are not processed as separate and unique transaction amounts, or are imbedded in the total amount paid will be considered Least Advantageous (1 point) ♦ Proposed system having the transaction and merchant fees being paid by the municipality will be considered as Does Not Meet minimum requirements (0 points and elimination from further consideration) SCORE FOR COMPARATIVE EVALUATION CRITERIA E: Evaluation of `On -Line Bill Pay Services' Submissions Page 3 of 4 COMPANY: V '1'( 66,11 l' CYTA41%4 A DV ALL MINIMUM CRITERIA/QUALIFICATIONS MET: YES / NO SCORE FOR COMPARATIVE EVALUATION CRITERIA A: SCORE FOR COMPARATIVE EVALUATION CRITERIA B: I SCORE FOR COMPARATIVE EVALUATION CRITERIA C: Sr SCORE FOR COMPARATIVE EVALUATION CRITERIA D: 3 SCORE FOR COMPARATIVE EVALUATION CRITERIA E: 5r TOTAL SCORE: NAME OF EVALUATOR: mea DATE: ZL Evaluation of `On -Line Bill Pay Services' Submissions Page 4 of 4 p•St�eo 1. INTEROFFICE MEMORANDUM TO: Mark Rees DATE: April 28, 2010 Town Manager FROM: Ray Santilli Assistant Town Manager / HR Director SUBJ: Submission Reviews — On-line Bill Pay Services The Request for Proposals issued for On-line Bill Pay Services resulted in two (2) submissions — UniBank and MCC. Subsequent to three separate scorings of the evaluative criteria, UniBank totaled 67 points and MCC totaled 71 points (Attachment A). Subsequent to receiving the scoring sheets, the pricing proposals of each company were opened. UniBank submitted a credit card fee schedule (Attachment B) to be paid by the consumer based on dollar ranges. The minimum dollar amount in each range varies from a high of 5.0% for a $100 payment to 2.9% for a $35,000 payment. The maximum dollar amount in each range results in a 2.5% payment by the consumer. UniBank does not propose charging a fee for ACH payments. ♦ MCC submitted a pricing schedule (Attachment C) that includes a $500 set-up charge and a $750 annual fee that will both be waived if there are a minimum of four (4) "escrow remitting bill processors per installment". MCC did not specify a credit card fee schedule stating simply "Credit Card — Percentage fee". MCC also included a fee for ACH payments of $0.25 per fee, per transaction. There are issues of concern with both proposals. ♦ UniBank specifies that the credit cards it accepts "include MasterCard and Discover". Currently, they do not accept VISA but will do so if the Town is willing to pay for the consumer's convenience fees. UniBank makes no mention whether or not they accept American Express. ♦ MCC's pricing proposal includes a fee for ACH payments and does not specify the percentage fee charged to consumers for using a credit card. The RFP specifically states "The pricing proposal sheet is to list and document any and all transaction, merchant, convenience, and other charges that will be paid by the consumer." Attachments (3) INTEROFFICE MEMORANDUM TO: Jennifer Yarid, Treasurer's Office DATE: April 5, 2010 Matt Killen, IT FROM: Ray Santilli Assistant Town Manager SUBJ: Evaluations of `On-line Bill Pay Services' Proposals A total of two (2) submissions were received in response to the Request for Proposals for `On- line Bill Pay Services'. The following documents are included in this package: ♦ The complete Request for Proposals document; Two (2) copies of the "Evaluation of On-line Bill Pay Services Submissions" form; Copies of each of the two (2) proposals to evaluate. You will first need to read the Request for Proposals document to acquaint yourself with the stated requirements. I have included in the evaluation form the specific requirements for the comparative evaluation criteria. For each of the comparative evaluation criteria, you must score the proposal as either "highly advantageous" for 5 points, "advantageous" for 3 points, "least advantageous" for 1 point, or "does not meet" for 0 points. The last page of the evaluation form is a summary of the allotted scores for each proposal. If you have any questions, concerns and/or issues, please call me at 978-688-9516. Lr j J AUG 17 2010 Nurci iANbUVER ON-LINE BILL PAY SERVICES FOR THE TOWN OF NORTH ANDOVER, MASSACHUSETTS TECNICAL PROPOSAL RFP 07/19/2010 AUGUST 16, 2010 a )1nvooceC1oud`M TABLE OFCONTE T �� Letter of Transmittal COMPANY PROFILE RFPBID CONTACT........................................................................................................... KEYPERSONNEL............................................................................................................... PARTNERSHIPS................................................................................................................. SECTION I — SERVICE & SYSTEM CAPABILITIES A. FUNCTIONALITY........................................................................................................... B. PAYMENT VALIDATION.................................................................................................. C. PAYMENT PROCESSING.................................................................................................. D. REPORTS.................................................................................................................... E. TRAINING AND CUSTOMER & TECHNICAL SUPPORT............................................................. E. PROJECT SCHEDULE....................................................................................................... SECTION II - QUALITY REQUIREMENTS A. REQUIREMENTS CRITERIA CHART..................................................................................... B. REFERENCES................................................................................................................ C. ACCESSIBILITY STATEMENT............................................................................................. SECTION III -REQUIRED DOCUMENTATION CERTIFICATE OF NON -COLLUSION 4 4 4 .5 14 14 15 16 17 ........................................................................................... CERTIFICATE OF TAX COMPLIANCE.......................................................................................... CERTIFICATEOF VOTE........................................................................................................... ..... 22 ..... 23 ..... 24 N. ANDOVER ON-LINE BILL PAY SERVICES 1 TECHNICAL PROPOSAL J .... w,.. '% invoice V loud" LETTER OF TRANSMITTAL AUGUST 16, 2010 RAY SANTILLI TOWN OF NORTH ANDOVER 120 MAIN STREET NORTH ANDOVER, MA 01845 MR. SANTILLI, THE OFFER CONTAINED IN THIS TECHNICAL PROPOSAL AND THE ASSOCIATED PRICE PROPOSAL FOR ON-LINE BILL PAY SERVICES FOR THE TOWN OF NORTH ANDOVER, MA, RFP 7-19-2010 IS EFFECTIVE FOR (A) AT LEAST 60 (60) CALENDAR DAYS FROM THE SUBMITTAL DEADLINE OF AUGUST 17, 2010. I ALSO ACKNOWLEDGE RECEIPT OF THE TOWN OF NORTH ANDOVER'S ON-LINE BILL PAY SERVICES - QUESTIONS & ANSWERS DATED AUGUST 9, 2010. BEST REGARDS, R4�1 4.4� ROBERT LAPIDES SENIOR VICE PRESIDENT INVOICE CLOUD, INC. N. ANDOVER ON-LINE BILL PAY SERVICES 2 TECHNICAL PROPOSAL a (�_31) InvoiceCloud Introduction This technical proposal is offered to the Town of North Andover so that they may take advantage of Invoice Cloud's experience in the rapidly growing and changing technology of electronic presentment and payment services. The Invoice Cloud service fulfills the town's need for an on-line bill pay service that integrates with the Town's systems and collects a variety of real-time payments via the internet (pay -on-line) from customers using e -checks, credit cards or debit cards. Invoice Cloud, Inc. Invoice Cloud, Inc. (www.invoicecloud.com) provides simple, secure web based electronic invoice presentment and processing solutions that reduce costs, speed payments and help the environment. This is an integrated service that includes credit card, debit card, ACH, and electronic check acceptance and processing of various types of bills (e.g., water & sewer bills, property tax bills, and motor vehicle excise bills), fees and charges (e.g., parking tickets and recycling center and transfer station fees). Invoice Cloud, Inc. is headquartered in Westwood, MA. The Invoice Cloud principals have over 30 years experience in performing the work described in this RFP and formed this company January, 2009. Invoice Cloud began receiving online payments from MA residents in April 2009. The guiding philosophy in the formation of Invoice Cloud was creating a service that worked, was easy to use and was managed lean; putting decision makers at the front lines and resolving issues quickly. The company is currently staffed by IT and support (5), management (2), marketing (1) and sales (4). The Invoice Cloud service is focused on simplicity and security, providing easy to use interfaces for both consumers and billers that safeguard confidential consumer information. Our goal is to provide a quick and pain-free implementation. We do this by 1) creating a SaaS (Software as a Service) that requires no additional software upgrades or maintenance by billers, 2) setting forth an easy to follow implementation process, 3) providing the technical and customer support necessary to get billers started, and 4) giving the biller our "Online Billing and Payment Adoption Kit" designed to guide them through the process of promoting online payments to their residents. Invoice Cloud has many government clients in Massachusetts and enjoys good relationships and communications with those clients, who especially appreciate the expertise and speed of technical support. In Massachusetts alone, Invoice Cloud has successfully signed up 13 cities and towns, most using Invoice Cloud for several different bill types. Although the sizes of the Invoice Cloud municipality customers vary, two clients (City of Somerville and City of New Bedford) both have annual operating budgets of over $175 million. One of the direct benefits of a simple design interface and SaaS technology is the speed with which an installation can be accomplished. Most of the integration development is done by Invoice Cloud IT and our integration partner, Blue Moon Industries. The town is responsible for submitting relevant information, like invoice formats and data files (so that we can duplicate the layout electronically making it easy for residents to adopt online presentment), modifying message content for emails to residents and updating their website. A typical implementation which includes branded resident registration forms, express payment forms, account locator forms (taxes), and payment option forms like AutoPay and scheduled payments is completed within 30 days of completion of the biller order form. N. ANDOVER ON-LINE BILL PAY SERVICES 3 TECHNICAL PROPOSAL C,,,,).)1nvo!ceC1oud,M N. ANDOVER ON-LINE BILL PAY SERVICES 4 TECHNICAL PROPOSAL Bob Lapides, P: 877-256-8330 x2522 Submitting the bid for RFP Senior Vice President F: 877-256-8330 11FIN-080GX email: blapides@invoicecloud.com Authorized to contractually bind 940 High St, Suite 305 Invoice Cloud Westwood, MA 02090 Bob Bennett, CEO (877) 256-8330 x2521 bbennett@invoicecloud.com John Morabito, Chief Technology (703) 825-3525 jmorabito@invoicecloud.com Officer Kelton Averyt, (703) 445-5837 kaveryt@invoicecloud.com SVP Software Development Todd Wiseman, (877) 256-8330 ext. 2523 twiseman@invoicecloud.com SVP Market Development Mark Altman & Associates 428 Main Street New England's leading provider Hudson, MA 01749 of full service print and mail P: 877-MALTMANor solutions 978-568-0660 Works in conjunction with town 978-568-0664 to create printed marketing pieces included in paper bills to drive online adoption and paperless billing Blue Moon Industries 295 Promenade Street, Systems Integrator, leading Providence, RI 02908 provider of ERP systems, and P: 401-276-9000 Microsoft Gold Certified Partner N. ANDOVER ON-LINE BILL PAY SERVICES 4 TECHNICAL PROPOSAL .rJ lnvolceCIOudm The Invoice Cloud service will allow the Town of North Andover, MA to offer online presentment and payment for multiple bill types including; real estate, personal property, and excise taxes, utilities, disposal fees, permits and vehicle registration bills. A tailored, automated process will be implemented to upload electronic invoices so the residents can view invoices and pay online (via email notification or pay now button like the Hingham web site). The payment information will be uploaded via an automated process into your billing software in a similar manner to lockbox files. Because Invoice Cloud is software independent, we are able to integrate to any software based on the exchange of file formats. We take on integration burden and can interface with multiple on-line programs, registrations and billing systems. Customers will be able to search, view and print account statements and payment records of bills and charges (up to 18 months old) via the Internet using credit cards, debit cards and electronic check or ACH. The service can also be accessed by Town staff for face-to-face transactions or directly by customers at self-service computers in Town buildings, if desired. The Invoice Cloud service runs on a fault-tolerant system with full redundancy to protect data and eliminate loss of service or downtime. Invoice Cloud actively supports a data integrity platform that complies with the Payment Card Industry Data Standards to: Build and Maintain a Secure Network, Protect Cardholder Data, Maintain a Vulnerability Management Program, Implement Strong Access Control Measures, Regularly Monitor and Test Networks, and Maintain an Information Security Policy. PCI standards were developed to ensure that cardholder data is protected throughout the transaction process. Invoice Cloud facilities are secure - both physically and electronically. A. FUNCTIONALITY 1) Secure data during its collection, transmission and storage. Data protection during collection and transmission via SSL with 128 bit encryption or better. Data is secure during collection and transmission via SSL with 128 bit encryption or better. All confidential information is treated in accordance with the Payment Card Industry (PCI) standards. Invoice Cloud policies limit access to personal user information that is collected by the system to our employees and agents and the employees and/or agents of our affiliates and business partners who need the information to fulfill their business responsibilities. Partners, vendors and other outside contractors we engage are subject to our contractual requirements for safeguarding personal information. Our employees receive training about the privacy policies and procedures of Invoice Cloud Corporation and its affiliates and subsidiaries including Invoice Cloud. We acknowledge that protecting consumer privacy is a key part of our trusted relationship with our clients. To minimize the impact of PCI requirements on the Town (PCI applies to anyone that touches the credit card process), the system has been designed to mask confidential data, so that the Town does not have access to it and therefore does not need to store it or engage in cumbersome processes to protect it. 2) System allows payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks. Invoice Cloud allows payments from American Express, N. ANDOVER ON-LINE BILL PAY SERVICES 5 TECHNICAL PROPOSAL �A (�_31 lnvoiceCloud Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks. While the service allows all of these payment types, actual remittance forms (card types) will be as mutually agreed upon with the Town. Some card types have higher rates than others and may drive convenience fees up if used. Of note is the fact that service/convenience fee rules are very complicated and Invoice Cloud is the ONLY provider of on-line payments in the state of Massachusetts that can accept all of these card types and offers them all in a compliant manner. For example, two large providers of online payment in Massachusetts have two distinct challenges that Invoice Cloud overcomes. One does not accept Visa (largest card brand in the US) and the other allows Visa for utility payments with a variable rate, which is against the Visa rules and therefore not compliant. Towns that have payment providers that are not compliant have a high risk of receiving fines for non- compliance (generally after a 30 day "cease and desist" warning). Because the principals of Invoice Cloud have over 30 years of direct e -payment experience with municipalities and others, they are completely familiar with and up to date with all service/convenience fee rules and therefore are comfortable enough to indemnify the Town. 3) Separate merchant accounts for each tax, charge or fee type. Separate merchant accounts will be provided for each tax, charge, fee type or bill type if desired by the Town. Town is able to change the types of payments allowed at any time. Most of our Towns collect Real Estate, Personal Property and Excise using the same merchant account but they can be set up separately if desired. Each bill type operates independently and can accept different payment types as well as other business rules like partial payments, over payments, full payments only and late fees that change every day. PARTIAL PAYMENT OPTIONS IMF 23 dr NEW= Now much would you like to; pay? maac�t�a 34pxeR � d+®�r�® r�d¢wc iTbm Asa dila 6FF°''�O� T°O •w� ax�c drisi� E�Rrrm� � i°ir CdhH �pn� ■maw �* •� ?ay to r lllil my31M.W 1C:ftwn Pay4 rMr'n'Mouitt N. ANDOVER ON-LINE BILL PAY SERVICES 6 TECHNICAL PROPOSAL 14W InvoiceCloud"' 4) Transaction and merchant fees paid will be paid by the consumer (convenience fee). Service or convenience/transaction fees are paid by the consumer and clearly displayed in the system. Any convenience fee is displayed twice before the payment is processed, first on the payment options screen (as below) and once again on the review payment screen. Details about the convenience fees, including their non -association with the Town are displayed on the Town website, prior to accessing the customer portal as well as in the Online FAQs. Invoice Cloud provides text content for this as part of their "Marketing Content for your Website" portion of the Online Billing and Payment Adoption Kit. CONVENIENCE FEE CLEARLY DISPLAYED Your Invoice .uate Ewunm Ckm vkwor.r" M133 x, 11 $219.39 Now much) would you like to pay? W T= RM a cpasitm =to br�, Pia pn e=t nit IZ=JC:3 _ !T go tt'n3 thm :s en MW as tdw cn& CM Am as fag Aga. P= a Wntul cult= anue at M-C=R= '4! Pay In %v 981939 I a lce Sasxe 17 The x,171; a Sen -e Fee t.ACtadt Cate payi7leil.. 'j.343.Ti6 7,(01 Due S) All convenience fees must be processed as a separate and unique transaction and not imbedded in total amount paid. Processing convenience fees in a separate transaction is in violation of the Visa Rules for Tax payments, and such, will preclude the use of Visa for Tax bill payments. To accommodate Visa use (largest card brand in the US), Invoice Cloud distinctly shows the taxpayer: the amount of the tax being paid, the amount of the service/convenience fee, runs the transaction as a single transaction, disaggregates the transaction so that the tax payment is deposit directly by the processor into the Town's operating account, while the service/convenience fee is deposited directly into the Invoice Cloud account. Further, Invoice Cloud enrolls the Town into the advantageous Visa Tax program, which allows taxpayers using Visa Debit cards to enjoy a flat service/convenience fee. Convenience Fees are displayed as separate line items on both customer credit card statements and bank statements. 6) Payment transactions processed with "real-time" authorization. Authorizations are issued immediately for credit/debit card payments. Electronic check payments are immediately validated in N. ANDOVER ON-LINE BILL PAY SERVICES 7 TECHNICAL PROPOSAL M QnvoiceCloud'M terms of being valid routing numbers, against the data base of valid US Banks. Electronic check account numbers can be immediately validated against a central data base of bad check writers as well but are not validated for sufficient funds until the overnight batch is processed. The Town will be notified via email of any transactions rejected due to insufficient funds. 7) Provide a confirmation number for every successful payment. The system provides a confirmation number for each successful payment which is communicated to the payer via email confirmation and the Town via online reporting. 8) Scale to meet peak demand of seasonal collection cycles. Invoice Cloud is fully scalable, operating smoothly regardless of seasonal cycles and peak volumes. Due to advanced architecture, Invoice Cloud can meet dramatic increases in demand on a pre -arranged, as needed basis. 9) Provide on-line, secure payment tracking. The online bill pay process begins with an email notification that the payer bill is ready to view or print. Payers click a button in the email and taken to registration/express pay screen, where they can view their bill. The online bill replicates the Town's original paper statement format to make switching to paperless billing as simple as possible for payers. We offer 2 options for viewing the bill online, PDF and html. Both formats can be printed, some payers may not have Adobe reader to view PDFs. Once the payer registers, they have secure access to track payment activity. From the account overview screen, drill downs are used to displayed detailed information. The system has been design top to bottom to be easy to use, resulting in high user satisfaction and fewer customer support questions. The biller portal offers detailed reporting and tracking of payer activity, notifications sent, customizable options and the ability to log in as the payer. CUSTOMIZED STATEMENT Towyn of HarrAch F29CA bear 2011 Ply 1st Quarter Real Estate Tax 199111 nary T. "Clsaac Timer / C UBEtQ John Doe 10 state St_ Harwich MA 02645 -in ts-r L.mao John Doe 10 State St_ Harwich MA 02645 Parcel ID Town of Harwich 15 -MIS -11 F scat Year2011 PROPEM DESCUPTIM Town OT Kwwidr Preliminary 1st Quarter Record r'''eie NEWLAR OFFEM II F&; Real Estate Tax Bill John Doe PN Friday - 8:30 AM to 12:00 Pio 10 State St Ammar. 43361•-7503 efi= arWu+m.wk.&P— .. Harwich MA 02645 i:; wwx.town JK�w idl soea.us flake Cbed6s Payable To: 10 Tawe of Hamidf Soak/Page 110101 IP_OJBox 150415 F6®tfo"L Cr 06115-0415 -in ts-r L.mao John Doe 10 State St_ Harwich MA 02645 Parcel ID iBill No. 15 -MIS -11 17541 NAME CHEDIS PAYABLE 70: Town OT Kwwidr PA7. IBM 15041 IKadfoed, CT 06915.0415 NEWLAR OFFEM II F&; ►4o+oday - 8:30 AM to 8:04 IPM Tuesday V%ru TMs-_Aay - 8:3D AM - 4:00 PN Friday - 8:30 AM to 12:00 Pio Tax Orrice (508) 430-7501 Ammar. 43361•-7503 efi= arWu+m.wk.&P— .. Pay Orioe i:; wwx.town JK�w idl soea.us ist Qum bft Reeerpt Keep TKa Portioa For Your Qaeeipt Uzi? IBM lim 15-0415,R 7501 conrrwwity Iprewmatiion Ad -_-. 1434 Remidentie1 Tax $7500.07 si9:tow $754350 2nd Qtr. Owe 11/1/2010 3,7.7.6.79 1st QUr. Due s/2/2010 3,7.7.1679 P C90as $0.00 Ayr DWE �3,73.i 7 8/2/2010 N. ANDOVER ON-LINE BILL PAY SERVICES 8 TECHNICAL PROPOSAL (�_31 onvdeeCloudM 10) Notification by e-mail to the consumer and the Town of all charge backs. The town will receive email notification of rejected payments. A variety of notifications are sent via email to the payer; including ft, 2nd and 3`d bill notifications, payment confirmations, AutoPay and Paperless sign up confirmations, and reject notifications. Each of these notifications are template driven so that the Town can customize the messaging on the notification and use them to alert payers to current or pending Town events or due dates. So that billing departments are not overwhelmed with copies of all payer emails, concise reporting is available in the Town biller portal regarding the status of payer email notifications. While it is very important for the Town and resident to be made aware of any e - check reject, a credit card charge back is already known by the consumer, because the consumer had to initiate the charge back. The Town needs immediate notification of the charge back, which is provided. EASY TO UNDERSTAND NOTIFICATIONS You have a new invoice from InvoiceCioud _ Dear Bob Lapides The Town of Orleans is proud to serve you. We have implemented a paperless system for you to access and pay your invoices. Simply depress the Pay Now button to get started_ You can review and print your invoices as well as pay electronically either now or later. You can also schedule the date the invoice will be paid. When you are ready to pay. you have the option of paying by: ACH (EFT) or Credit Card Please pay your bffl 3 to 4 days prior to the due date to allow time for processing to avoid late fees. Remember to pay your bill by the due date so you won owe a finance charge. Ha" a nice day Account Information Account Number: 2x997 Invoice Number: 25997-01102010 Invoice Due Date: 2/1512010 12:00:00 AM Balance Due: $25.99 11) Financial reports of all payments; reports available on-line. Useful pre -configured reports are available 240 in the biller portal. Specific information can be located with flexible search criteria as additional reports are need. All reports can be exported to excel files. 12) Audit trail of a transaction through the entire payment cycle. Transactions can be followed throughout the payment cycle with full audit trails. 13) Must provide means of integration with internal applications via documented and delivered APIs or Web Services or secure file download in specified format. Invoice Cloud takes on the burden of integrating to the Town's current file format and utilizing available billing information. We are N. ANDOVER ON-LINE BILL PAY SERVICES 9 TECHNICAL PROPOSAL a InvoiceCloud" software independent and can integrate to any billing software through APIs or Web Services. Invoice Cloud service is tightly integrated with the Town's billing software, making the billing, collection and update process easy. Payment information is continuously exchanged to synchronize Town's billing software with Invoice Cloud. With paper suppression and online payments, our service can replace the lockbox process and eliminate bank trips, printing and postage. FULLY INTEGRATED PROCESS FLOW Nwered By t InvolceClojd' 0 a Accounting Create file and upload Electronic process to Invoice Cloud for notification remains the online billing is sent = same Payments are Online payment Invoice posted in software & is made is viewed systems synchronized 14)Ability to pay/ view multiple bills. Payers have secure access to their account information FREE OF CHARGE anytime from any Internet capable computer. The Payer accesses information using bill number or account number, as provided by the Town and a password of payer choosing. The same login may be used to view multiple accounts. Payers have the options of registering and viewing account information or making an express payment which does not require registration. They may also simply locate their bill online and then choose to print it out and pay offline. N. ANDOVER ON-LINE BILL PAY SERVICES 10 TECHNICAL PROPOSAL 0 I n v o i c eCIoud,M PRINT OR PAY ONLINE Your Invoice 1nVGkM:NkffrffWr 0mDate B23arom o�n000ua� ,�r�a�io si,�i7.s3 Now would you like to pay? Billing Information Payment Information cardbawwNamc calanumbewa neer � ae�a r BMW Addntm 391SMURAELLN _ - c3tv im EKPb2"M UQtQ �w ria 7-5 yam cOck aavditm 20 pfoccea In ittc r.cxt st w -k Io 15) Detailed on-line history. Payment history is stored in a secure encrypted and truncated format for 18 months for payer, and biller, viewing and printing. 16) Search for Bills by Street, license plate numbers, or other public data. Payers can locate their account(s) using a variety of data depending on bill type; including, name, address, bill #, parcel ID, or license plate. Invoice Cloud can accommodate data from one or multiple sources and can display only the data requested by the town in the desired layout through the development of invoice templates. Many clients allow taxpayers to search for their accounts with publicly available information for certain accounts, like RE and PP tax. Some other clients don't want to display sensitive info from motor vehicle excise, but still want Invoice Cloud to retain the data. Invoice Cloud accommodates this need as well. N. ANDOVER ON-LINE BILL PAY SERVICES 11 TECHNICAL PROPOSAL iJ onvooceCloudm CUSTOMIZED LOCATOR PAGE: PUBLIC INFORMATION, TOWN OF SOMERVILLE Already Registered? TotmeC�%&myaim.59RamaMWIxj%! trRam! Edda Tum, tr ;wmeemmemcm ,eamx*ocs r�_wamici ?lease Sir 1.n to you- A_-c^unt Sknin Please locate your Account. You � bode a NO by ..tmki g your im6cnrwf3 artaa the be bdzw You arc required to enter data k" at k=t mac box for the a reh to return wY MM&S. The Mame bawes that 1U aorrspietq, the Mote aocLe-.rte YOM march MO fie. .Ptopemom Ma e ,(ibis fwtd supoam perbotarrw-7chos) �•�• nY'�tir+er h�m� ......... .......... ........._..................... ......_............... ......... _...... ...................... .... ........ ...... ,......... .......... ...... ................................................................. .....,................ _... PhT"Ad*ew F -erty.Add,. 'This field -pp— porliBt aturtchas) Ba Numbar I%f=lar an awct rAmb.) r. Number ........... ....... .... ....,_..._........... ... __..._ ....._ ...................... ................................ ........ ............,_....._.....................__. _,..__.......... 17) Preferred system will allow Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies to electronically research real estate tax information, report taxes owed and remit payments on behalf of property owners for all participating Billers. Bill processors can locate the payer accounts, view amounts due and make payments on the payer's behalf. This public information can be made available to town approved bill processors. 18) The vendor's web -interface will be customized to match the Town's look and feel and also have the ability to be quickly and easily changed by the vendor at the Town's request, at no cost to the Town. The Town's customer portal is branded with Town graphics and website look and feel, making the payment process seamless to your customers. The customer portal is linked to the Town's website using an Invoice Cloud provided "Virtual Path" or A link which is posted on the Town website (often attached to a "payment button"). Below is an example of a town site and the linked vendor web - interface. N. ANDOVER ON-LINE BILL PAY SERVICES 12 TECHNICAL PROPOSAL 0 SAMPLE TOWN PAGE WITH LINK TO SERVICE Tors Gmelafatt ses iees: Deoaeonerm Meme Pace Tax Ceaed�rlT�eax:rer old- Bio PavmerR f Invoiceooud,M I Dep-ti—t=r-Coaeemrtneasser I 210 CerA d Sheet lief�wn., HA CZW3-2799 FAX 781-740-0239 tk— Of OPensrra+: 8:30mm6:.30P. Monday. Wed. Thu 8:30— -7:04— T"eday 8.]ID-1:00pn Faky Canted 113 Online Bill Payment: Ped Estate Taa Da! pates: • i • dleyl • Ibsgest 1 • elavembtr 1 or ' 2eaister or main for Online 1611 Pendent your Bill Online Ill, L weenie ndtc J4eria"s7�.ey sdered t.Veye, (a ar la A4jr 1, 2010) wN need fe { .ere6i a i0&dereeeooessuene�sea rnenirrm. Welcome to the Town of ilinghaWs online Bill Payment ...It's now fast and easy to payand/or view your bills online. SAMPLE TOWN BRANDED WEB -INTERFACE Pay and/or View Bills Online The Town of Hingham is excited to offer residents an easy and convenient method to view and pay their real estate, motor vehicle excise, boat excise, personal property tax, and sewer use bills online. Fast and Easy. "Express Pay", the fastest way to pay online. Quick, simple, and easier than writing and mailing checks, plus you'll get an email confirming that your payment has been accepted. Sage and SeCUre. Rest assured that your information is kept confidential and is 100% secure, backed by the highest standards in security today. Eco-Frmdiy. Paying online reduces paper use and is an easy way to help the environment. You'll save natural resources like trees, and gas, and reduce your carbon footprint. NAVE A WEsnON? You may reach us at (7 81) 741-1408. You may email your questions at collectors@hingham-ma.com. N. ANDOVER ON-LINE BILL PAY SERVICES 13 TECHNICAL PROPOSAL ,., �J 1nvd eCloud'M 19) Selected system shall have the ability to interface with separate system that allows for on-line registration and payment for class/department programs (Elder Services, Recreation & Youth Services, and School Department). Invoice Cloud is software independent and can integrate with multiple software products. All bill types can be accessed from one central screen, or separate entry can be used if desired. Business rules for the Town are flexible and set for each bill type according to Town specifications. Invoice Cloud provides unsurpassed flexibility regarding business rules to support specific needs. We have many rules currently available such as how to apply a payment if multiple bills are outstanding (in same bill type), accessing late fees, providing prompt payment discounts and requiring full payment. We will also undertake the creation of new business rules. The service also supports ad hoc payments so it can be customized to allow customers to initiate a request for service with their payment (e.g. order and pay for Elder Day Trips, dog licenses, appliance removal, school lunches, parking permits or other programs). B. PAYMENT VALIDATION 1) The vendor must provide a check validation service. Yes, check validation can be done at no additional charge by "bouncing" e -checks against a bad check writing data base. 2) The vendor must provide check authorization service. Checks are pre -authorized only after routing numbers are verified as valid against the national bank routing number data base. Checks are further authorized through use of the Automated Clearing House system (ACH) each night. 3) The vendor must provide real-time credit card validations. The system provides real time credit card validations and retains credit card authorization information. C. PAYMENT PROCESSING 1) Credit card payments must post to a Town's bank account as a daily batch by merchant account. Town will have several separate merchant accounts. Credit card batches are posted on a daily basis. Multiple separate merchant accounts are supported at the direction of the Town. 2) E -Check must post to Town's account as a daily batch. The batch amount must tie to one day of e - check receipts with real-time feedback on payment confirmation, authorization and transaction information (e.g. account number, permit number, invoice number, etc.) Batch reports match exactly with bank deposits and detail on each transaction in a batch is fully viewable by the biller. Reconciliation is aided by our Deposit Reconciliation Reports. The biller portal contains robust reporting that allows billers to easily track and analyze payer and payment activity using date ranges and/or viewing transaction detail. N. ANDOVER ON-LINE BILL PAY SERVICES 14 TECHNICAL PROPOSAL W (0-1) InvoiceCloud"' DEPOSIT RECONCILIATION REPORT Data Management Deposit Reconciliation (Last 100 Deposits) J !W Virtual Terminal Please note: Deposit totals do not include any fees, ACH rejects, or chargeback debits that may post to your bank account. Process Credit Card $0.00 $0.00 Process EFT/ACH 7 $0.00 � Open Bates Summary $0.00 Settle Date Total Iterr Visa/Mc Check Primary Dep Disc Dep Amex Dep Total Depossta Settled Batch History 5 $0.00 18/2/2010 6:47 PM 4 $34.27 $1,442.46 $1,476.73 $0.00 $0.00 $1,476.73 Easy Pay $0.00 $0.00 Deposit Reconciliation 7 $0.00 18/1/2010 6:45 PM 1 $0.00 $1,961.74 $1,961.74 $0.00 $0.00 $1,961.74 I}7/ACH Reject Codes I 7/31/2010 6:45 PM 3 $0.00 $3,210.20 $3,210.20 $0.00 $0.00 $3,210.20 7/30/2010 6:45 PM 3 $67.72 $4,146.75 $4,214.47 $0:00 $0.00 $4,214.47 7/29/2010 6:45 PM 7/28/2010 6:45 PM I 7/27/2010 6:45 PM 7/26/2010 6:45 PM 7/25/2010 6:45 PM 7/24/2010 6:45 PM Portal Customization T i, 7/23/2010 6:45 PM � Utilities 7/2112010 6:45 PM 7/20/2010 6:45 PM Exit / Log out 17/19/2010 6:45 PM 12 $14,429.77 $11,275.60 $25,705.37 $0.00 $0.00 $25,705.37 7 $0.00 $8,785.41 $8,786.41 $0.00 $0.00 $8,786.41 5 $0.00 $24,088.91 $24,088.91 $0.00 $0.00 $24,088.91 7 $0.00 $11,047.90 $11,047.90 $O.DO $0.00 $11,047.90 22 $5,690.98 $40,615.44 $46,306.42 $0.00 $0.00 $46,306.42 12 $3,275.28 $15,345.43 $18,620.71 $0.0D $0.00 $18,620.71 4 $0.00 $6,776.75 $6,77(.75 $0.00 $0.00 $6,776.75 2 $0.00 $7,082.32 $7,OB2.32 $0.00 $0.00 $7,082.32 1 $40.00 $1,731.50 $1,771.50 $0.00 $0.00 $1,771.50 3 $139.58 $1,502.34 $1,641.92 $0.00 $0.00 $1,641.92 3) ACH transactions processed by 5:00 p.m. (EST) shall be available to the Town the next business day. Funding for EFT/ACH transactions can be provided in 24 hours but there is a wire fee of $10 per day associated with this advanced funding. EFT transactions typically take 48 hours to settle. Timeframes are not set by online payment systems but by the banks and processors involved and they vary accordingly. 4) Credit card transactions received by 5:00 p.m. (EST) shall be processed for settlement that night, and funds will be available to the Town within two (2) business days. Credit card transactions typically take 48 hours to settle. An authorization is issued immediately; however, it takes 48 hours for the money to be moved. Timeframes are not set by online payment systems but by the banks and processors involved and they vary accordingly. 5) Notification by e-mail to the consumer and the Town of all charge backs within two (2) business days. Notification will include payer's name, date of payment, payment type (i.e. e -check, credit card), and payment amount. Town and consumer will be noticed of charge backs within 2 business days and rejects within 1 business day. D. REPORTS Payment processor component must provide a report which lists each payee name, payment transaction type (credit card, debit card or ACH), payment description (i.e. receivable type and account number or fee type), and amount paid. Report must allow date parameters and be sorted by merchant account. Report must subtotal by receivable type (or permit type) and by payment type. If convenience fees charged, convenience fees must be subtotaled separately. A large selection of reports (at the bill type level) are available 240 in the biller portal. They include: monthly summary, registration report, data synchronization history, EFT/ACH rejects, daily payment received, total outstanding invoices, and email notification summary. Reports can be sorted and searched with numerous criteria including convenience fees. These reports can all be exported into an excel spreadsheet. N. ANDOVER ON-LINE BILL PAY SERVICES 15 TECHNICAL PROPOSAL W FLEXIBLE ONLINE REPORTING to sm aM 774atMntley a EMj 1dA 0AR E. TRAINING AND CUSTOMER & TECHNICAL SUPPORT Vendor shall provide training user, administrative and development training as well as documentation for Town of North Andover technical staff prior to implementation date. Invoice Cloud uses an organized, implementation process that begins with a kick off meeting once the biller order form and supporting documentation has been approved and continues through the live training session with Town staff. The town staff will be guided in how to use the system through training documentation, live sessions and access to highly responsive client support. The biller portal is a high versatile administrative tool which allows the Town to easily control payer accounts and monitor payment activity. MANAGEMENT OF PAYER ACCOUNTS •7. V7 . Manaa—M dune SaaNOatane. Smd�Lm�Gi Sg bftaM Ranitbi Mm.lq 5ntilaiy ReO.':za0m Rpt ftclea Rep Data SMIO.OICM7011ItRary 6 M31 f.3�= Vtew Sd-k&Z Rupm IiWxM ;trS y Iffo ta- 0YY7b"K/tmebeE T.W Odat..%q Ivadrs 6rY0 Nox w. SumufY B M Staff A. ;�y Tit¢¢allon 5� �V{t ll�s .a-7 Y¢p 4$ SwR v Sak ae d M.d[atlq 13 9 / to a tlmO.OSSmwto,.cf Mme. t7fa� �m Vu ptfe. C3MWMe m—W 0«zde. n.dunerv.0 Op71— 100.. GM A—uts AlftftV .,FWWV.�rs� 13 41sVatip 'wuC 4R3 Regat fKm Bet= 5717l20104:O8k1fM Set New P. vs & 9i N. ANDOVER ON-LINE BILL PAY SERVICES 16 TECHNICAL PROPOSAL sa.a Palmot Tta mdas K-twS.—V ntrmcs *yam cvvb r I" AM AMD— s®tsuft..0 opuM RaW-bbl= /llg0l4rapera.. MOW � 1Wl�7= mvwetem Smm S15SA OR^t TNMM Geta S71.1.atmtYmti m j 1021 W1SrE. SWEYA& $01.58. 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TRAINING AND CUSTOMER & TECHNICAL SUPPORT Vendor shall provide training user, administrative and development training as well as documentation for Town of North Andover technical staff prior to implementation date. Invoice Cloud uses an organized, implementation process that begins with a kick off meeting once the biller order form and supporting documentation has been approved and continues through the live training session with Town staff. The town staff will be guided in how to use the system through training documentation, live sessions and access to highly responsive client support. The biller portal is a high versatile administrative tool which allows the Town to easily control payer accounts and monitor payment activity. MANAGEMENT OF PAYER ACCOUNTS •7. V7 . Manaa—M dune SaaNOatane. Smd�Lm�Gi Sg bftaM Ranitbi Mm.lq 5ntilaiy ReO.':za0m Rpt ftclea Rep Data SMIO.OICM7011ItRary 6 M31 f.3�= Vtew Sd-k&Z Rupm IiWxM ;trS y Iffo ta- 0YY7b"K/tmebeE T.W Odat..%q Ivadrs 6rY0 Nox w. SumufY B M Staff A. ;�y Tit¢¢allon 5� �V{t ll�s .a-7 Y¢p 4$ SwR v Sak ae d M.d[atlq 13 9 / to a tlmO.OSSmwto,.cf Mme. t7fa� �m Vu ptfe. C3MWMe m—W 0«zde. n.dunerv.0 Op71— 100.. GM A—uts AlftftV .,FWWV.�rs� 13 41sVatip 'wuC 4R3 Regat fKm Bet= 5717l20104:O8k1fM Set New P. vs & 9i N. ANDOVER ON-LINE BILL PAY SERVICES 16 TECHNICAL PROPOSAL (_31) Invoke Cloud' Technical Support is available 247, via telephone and email during business hours, M -F and via email during non -business hours. Email is checked hourly and emergency support issues are addressed within 1 hour. Customer Support (for payers) is two tiered with account and billing questions going to the town for resolution and issues with the Invoice Cloud service going to technical support via email. The most common questions from payers involve locating their account number so that they can register. F. PROJECT SCHEDULE The system is to be implemented and go active no later than January 1, 2011. Invoice Cloud service can be implemented is as little as 30 days. N. ANDOVER ON-LINE BILL PAY SERVICES 17 TECHNICAL PROPOSAL W 631 pnvooceCloud'M Secy Bio II Q AIT Q.UIR--Ell , NT REQUIRED CRITERIA CHART ITEM # YES NO DESCRIPTION Vendor shall have a minimum of three (3) years experience in performing the A work described in this RFP. Vendor principals have over 30 years experience in performing the work described in this RFP. Company formed in January, 2009. Invoice Cloud began receiving online payments from MA residents in April 2009. Vendor shall have a minimum of fifteen (15) government clients in B. Massachusetts. Vendor has 37 government clients (unique bill types) in 13 cities or towns in Massachusetts. Partner (Mark Altman) has hundreds of government clients in Massachusetts. Vendor shall submit a complete list of all contracts performed in Massachusetts in C. the past three (3) years that are similar in scope to this project with contact names and telephone numbers. Complete list below in section B. References. Vendor shall submit a minimum of five (5) references of contracts performed in D. Massachusetts that are similar in scope to this project with contact names and telephone numbers. Complete list below in section B. References. E. Submission of separate and sealed proposal and pricing sheet. F. Submission of required statements and forms. N. ANDOVER ON-LINE BILL PAY SERVICES 18 TECHNICAL PROPOSAL B. REFERENCES O @DMW MW P: 781-741-1408 Invoice Presentment, Electronic Check 4/29/10 F: 781-740-0239 and Credit Card Payment Collection, Jean Email: Montgomery@ Hingham, MA Montgomery, hingham-ma.com Scheduled and AutoPay, Functions, Treasurer 210 Central Street integration with MUNIS for RE, Hingham, MA 02043- Personal Property, and Motor Vehicle 2759 Excise Taxes P:508-430-7601 4/12/10 F: 508-430-7504 Invoice Presentment, Electronic Check Amy Duffy, Email: and Credit Card Payment Collection, Harwich, MA Assistant sduffy@town.harwich. Scheduled, AutoPay, and Service Collector ma.us Request Functions, integration with Harwich Town Hall 732 MUNIS for RE, Personal Property, and Main St., Harwich Motor Vehicle Excise Taxes Center, MA 02645 P: 617-625-6600 Invoice Presentment, Electronic Check 5/4/10 F: 617-625-0722 and Credit Card Payment Collection, Somerville, Liz Craveiro, Email: Scheduled, AutoPay, and Service MA Treasurer ecraveirosomervillma.g Request Functions, integration with ov 93 Highland Ave. MUNIS for Real Estate and Personal Somerville, MA 02143 Property Taxes. P:508-660-7210 Invoice Presentment, Electronic Check 7/27/10 F: 508-660-7228 and Credit Card Payment Collection, Mark Good, Email: Scheduled, AutoPay, and Service Walpole, MA Tax Collector mgooEmail: ole - Request Functions, integration with ma.gov MUNIS for water/sewer, RE, Personal 135 School St. Property, and Excise Taxes. Walpole, MA 02081 P: 508-979-1430 8/5/10 F: 508-961-3078 Email: Invoice Presentment, Electronic Check Renee renee.fernandes- and Credit Card Payment Collection, New Bedford, Fernandes- Abbott, abbott@newbedford- Scheduled, AutoPay, and Service MA Treasurer/ ma.gov Request Functions, integration with Collector City Hall, Room 101 proprietary software for RE, Personal 133 William Street Property, and Excise Taxes and Water. New Bedford, MA 02740 Wakefield P: 781-246-6363 Invoice Presentment, Electronic Check 3/23/10 Municipal Jeff Morris, F: 781-246-0419Email: and Credit Card Payment Collection, Gas and Light Asst. IT Scheduled and AutoPay Functions, Manager jmorrs@wmgld.com jmorris@wmgld.com integration with Cogsdale software for MA 9-11 Albion St., public utility payments. Wakefield, MA 01880 N. ANDOVER ON-LINE BILL PAY SERVICES 19 TECHNICAL PROPOSAL W .1_ lnvoiceCloud' Massachusetts municipalities for which Online Payment Services are being provided MUNICIPALITY CONTACT CONTRACT DATE Barnstable, MA Maureen Niemi, Tax Collector 7/28/10 Harwich Water, MA Sandy Cummings, Comptroller 7/21/10 Lakeville, MA Debra Kenney, Treasurer/Tax Collector 6/11/10 Orleans Water Department, MA Susan Brown, Water Department Manager 7/11/10 Town of Seekonk, MA Tracy Jamieson, Asst Treasurer/Collector 8/6/10 Framingham, MA Stephen Price, Treasurer/Collector 8/5/10 Town of Sharon, MA Bill Fowler, Treasurer 7/28/10 Littleton Electric Light & Water Departments, MA Marion Thompson, Office Supervisor 5/27/10 C. ACCESSIBILITY STATEMENT Invoice Cloud is committed to making its websites accessible to the widest possible audience, including individuals with disabilities. This website has been designed to comply with Section 508 of the Rehabilitation Act Readability The fonts used on this site have been selected and used to make the content easy to read and understand. Text has been defined by using relative units, so it is possible to change the font size in the Web browser, allowing users to dictate font size. Color is used as a design element, not to describe or present information. Structure Clear and well structured contents are supported by style sheets which do not interfere with the use of user defined style sheets. This site is semantically correct, which means that content and lay -out are strictly divided. For browsers which do not support CSS, the content on all pages remains readable. All tables are coded according to the rules of the markup language being used for creating the tables and include appropriate table tags. Flicker rate is within acceptable frequency standards (between 2 Hz and 55 Hz). N. ANDOVER ON-LINE BILL PAY SERVICES 20 TECHNICAL PROPOSAL qW Images & Media Wherever possible, live text is used instead of graphics. Images are described with the ALT tag if they contain information. We do not describe decorative elements unless they make sense in some way. If used, Flash content, multimedia, image maps, applets and plug -ins are accompanied by a text description for this type of media if it contains useful information. Purely decorative animation will not be described. Some elements of this site depend on scripts which are identified with functional text that can be read by assistive technology. Navigation Throughout the site, ease of use and navigation is a top priority. Electronic forms are constructed so that input fields are associated with descriptive text making it easier for screen readers to aid users in filing out the forms. Users are able to skip repetitive navigation links to simplify site use. When a timed response is required, the user is prompted and given sufficient time to indicate whether additional time is needed to complete a task. For Alternate Access to Web Information We have attempted specifically to comply with Section 508 referring to website accessibility standards and all information should be accessible via screen readers and other accessibility tools. If you are having difficulty accessing information on this site, please let us know the nature of your accessibility problem, the Web address of the requested information, and your contact information via email at support@invoicecloud.com. N. ANDOVER ON-LINE BILL PAY SERVICES 21 TECHNICAL PROPOSAL I[] W lnv®0ce V IOudiM TION I — Q D � OC T TION CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. Signature Robert Lapides, Senior Vice President Print Name & Title Date 8/16/10 Invoice Cloud, Inc. Company Name N. ANDOVER ON-LINE BILL PAY SERVICES 22 TECHNICAL PROPOSAL Invoke V I.Oud7M CERTIFICATE OF TAX COMPLIANCE Pursuant to Chapter 62C of the Massachusetts General Laws, Section 49A (b), I Robert Lapides , authorized signatory for Invoice Cloud, Inc. Name of individual Name of contractor do hereby certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. —PL)vk 1'_� 8/16/10 Signature Date N. ANDOVER ON-LINE BILL PAY SERVICES 23 TECHNICAL PROPOSAL IV CERTIFICATE OF VOTE At a duly authorized meeting the Board of Directors of Invoice Cloud, Inc. held on March 3, 2009, it was VOTED, THAT Robert Lapides Senior Vice President (Name) (Officer) of Invoice Cloud, Inc. be and hereby is authorized to execute contracts and bonds in the name and on behalf of said corporation, and affix its corporate seal hereto; and such execution of any contract or obligation in the name of Invoice Cloud, Inc. on its behalf by such officer under seal of the corporation, shall be valid and binding upon Invoice Cloud, Inc.. I hereby certify that I am the secretary of the above named corporation and that Robert Lapides is the duly elected officer as above of said corporation, and that the above vote has not been amended or rescinded and-cemains in full force and effect as the date of this contract. lg� 1(6 110 A Y (Date) Nelson Blitz, Esq. eorp6ate Secretary) �9 lD o < ° ° n' �+ o � o a*' (D r+ o =r- o r+ m a o ` D - f = v, N o o- N V) � f� � r O C l0 O r=r fD W O (J7 ON-LINE BILL PAY Pay mid/- View SM OrXme SERVICES F, and Easy. Pw. f v Safi and S— FOR THE TOWN OF NORTH ANDOVER, MASSACHUSETTS PRICING PROPOSAL RFP 07/19/2010 AUGUST 16.,2010 �; . `InvoiceTM Pricing Proposal On -Line Bill Pay Services RFP 7/19/2010 Vendor Name: Invoice Cloud, Inc. Cost / Fee to Town Schedule Description Cost Setup Costs 0 Hardware Costs 0 Software Development Costs - Initial 0 Software Development Costs — future 0 Software Customization Costs - Initial 0 Software Customization costs/fees — future 0 Maintenance Fees and Charges (Option Year 2) — if no charge for year 2 state "no charge" 0 Maintenance Fees and Charges (Option Year 3) — if no charge for year 3 state "no charge" 0 Other Costs (attach details) Recurring Costs (disclose frequency) Account access one biller administrative user name $50 per mo or $600 annual Other Costs (attach details) Each additional unique biller administrative user name $10 per mo or $120 annual The Bidder offers the following price for the performance required under this Contract a sum NOT TO EXCEED, including all reimbursable expenses.* $600.00 Amount in words: Six hundred dollars Fees to the Town's Customers Description Cost Convenience Fee per shopping cart checkout N/A Convenience Fee per Mastercard transaction 2.95% Convenience Fee per VISA transaction 2.95% Convenience Fee per AMEX transaction TBD — mutally ageed upon with Town Convenience Fee per Discover transaction 2.95% Convenience Fee per VISA Debit Card transaction (taxes only) $3.95 flat rate Convenience Fee per Debit Card transaction (all other types) Online payments with debit card are charged credit card rate Convenience Fee per ACH transaction .40 Convenience Fee per electronic check transaction .40 Other Costs (attach details) INVOICE CLOUD, INC. (Name of Firm) (Signature of Bidder) INVOICE CLOUD. INC. 1R' o�er V l_,,N, CIS S u P (Printed Name and Title of Signatory) 940 High Street, Suite 305, Business Address Nestwood, MA 02090 (City/Town, State Zip) (877) 256-8330 FAX is same number (Telephone) (FAX) blapides@invoicecloud.com (Email Address) Boston, MA 1/2009 (Place and Date When the Business was Organized) If incorporated, identify the State of Incorporation and Date. STATE OF INCORPORATION (DATE) MA (1/2009) * attach certificate of authority, if applicable If the bidder is a partnership, give full names and residential addresses of all partners; and if an individual, give residential address if different from business address. August 16, 2010 (Date this bid was submitted) D L� AUG 16 2010 NOFt7 h NroudVER aeon AffjF2xWN MANAGER One Concourse Parkway, Suite 300 Atlanta, Georgia 30328 Town of North Andover RFP for On -Line Bill Pay Presented by: Mark Shapiro 732-332-0677 mark.shapiro@elavon.com *ORIGINAL* August 17, 2010 Mr. Ray Santilli, Assistant Town Manager Town of North Andover 120 Main Street North Andover, MA 01845 Dear Mr. Santilli: Elavon Elavon, Inc. would like to thank the Town of North Andover for this opportunity to respond to your Online Bill Pay Services Request for Proposal. We have reviewed your proposal and we are committed to providing a complete solution to fulfill your merchant bank card needs. Elavon truly understands the unique needs of our government clients. We dedicate an entire line of business, our Government Division, to meet those needs and requirements. Elavon currently provides electronic payment processing services in addition to convenience fee processing to towns across the Commonwealth of Massachusetts. Our industry leading customer service team will be assigned to the Town of North Andover and will assist you in every aspect of processing payments. To help the Town of North Andover meet your online payment needs, Elavon has partnered with FirstView, a leading-edge provider of online payment services. FirstView has designed its online payment solution, FirstPoynt, to deliver a quality and cost-effective service that will require minimal IT and business resource requirements from the Town of North Andover. By extending access to the FirstPoynt system, North Andover can offer a broad range of quality electronic payment and tax filing capabilities to its citizens and Departments. Elavon has been providing merchant bank card services since 1991. More than 1 million clients worldwide trust us to efficiently and securely manage their payments business. We process more than $200 billion in payments annually, making us the fourth largest payment processor in the United States. We look forward to further discussions with the Town of North Andover and hope you find our response informative and compelling. If you have any questions or require additional information, please contact me directly at 732-332-0677 or by email at mark.shaoiro@elavon.com. Sincerely, Mark D. Shapiro (AuthorizedSignee) Regional Manager, Government 2 Atlantic Court, Suite 100 Marlboro, NJ 07746 732-332-0677 Proposed Solution for the Town of North Andover, MA Legal Notice: Elavon agrees to the terms, conditions and specifications of the merchant services portion of the RFP provided that the parties also execute Elavon's Payment Device Processing Agreement and applicable schedules, copies of which are submitted herewith (the "Agreement"). The Payment Networks require that Elavon enter into agreements with its merchants containing specific provisions required by the Payment Network Regulations, which provisions are not included in the RFP. Therefore, in the event that Elavon is the successful bidder, Elavon will require that the parties include the terms of the Agreement, in substantially the same form as submitted herewith, in the final contract and will, in good faith, work and negotiate with the requestor toward a resolution of all conflicting items. Further, Elavon's bid is subject to the requestor's ability to meet Elavon's underwriting requirements. Elavon is a wholly owned subsidiary of U.S. Bancorp, which is currently the fourth largest financial services holding company in the country. On behalf of itself and its subsidiaries, U.S. Bancorp secures a variety of insurance coverages appropriate for an organization of its type and size. In addition, other coverages have been secured to comply with various regulations such as workers' compensation. Currently, U.S. Bancorp carries a Financial Institution Bond including coverage for professional liability (errors and omissions) as well as fidelity (crime) coverage with limits exceeding $25 million. All insurance carriers used have financial ratings generally acceptable by insurance industry standards. Evidence of coverage is available upon request if required by contract. LEI August 19, 2010 / Confidential -2- Elav n Proposed Solution for the Town of North Andover, MA Executive Summary Elavon wishes to thank the Town of North Andover for the opportunity to participate in your merchant services proposal process. We are pleased to provide the Town of North Andover with information regarding Elavon's electronic bill payment services. Elavon recognizes the strategic importance of continuing to build a strong and trusted relationship with the Town of North Andover. As your strategic partner, we are dedicated to several initiatives, including: ■ Sharing our technical capabilities and experience to help the Town attain its financial goals ■ Delivering world class client service ■ Adding value to the Town's planning process ■ Maintaining a constant focus on innovation and enhancements ■ Providing relationship continuity While the decision to implement the right partner for these services is a major undertaking, we are confident in our ability to exceed the expectations of the Town through our commitment to delivering world-class customer service and exceptional payment processing solutions. Should the Town choose to continue and expand your strategic partnership with Elavon for these types of billing solutions, we will work in tandem with you to develop the best solutions for your business. More than 1 million merchants trust Elavon to efficiently and securely manage their payments business. We extend powerful payment solutions, flexible connectivity, and effective fraud monitoring tools to customers around the globe—from smaller retail merchants to national retailers, as well as large organizations in segments such as hospitality, healthcare and the public sector. In an increasingly complex business landscape, Elavon is your global source for innovative payment solutions—the one company that clients and partners everywhere trust to securely and reliably manage their payments business. Whatever you need and wherever you need it, we deliver innovative and secure solutions to help you increase revenues, decrease costs, and sharpen your competitive edge. Elavon provides end-to-end payment processing services to merchants and financial institutions in the United States, Puerto Rico, Canada, and throughout Europe. Our payment products are supported by the most reliable network in the industry and include credit and debit card processing, electronic check services, and gift cards. We handle every aspect of the acquiring relationship—transaction processing, risk and underwriting, settlement, equipment deployment, chargeback management, reporting, and customer service. Our customers can also count on us to keep their payment processing compliant with changing payment security requirements. As you review current processes in anticipation of a convenience fee/tax service fee partner, consider the many ways our proposal supports your goals. We strive to help further enhance the quality of service that your constituents receive. Our team's proactive approach can bring about significant gains in these areas relative to implementations of similar services with less engaged and established partners. August 19, 2010 / Confidential -3- Elavdn Proposed Solution for the Town of North Andover, MA a FirstView Response to Town of North Andover RFP: On -Line Bill Pay 6. Scope of Work The successful vendor must provide the services listed below: A. Functionality The successful vendor will provide and maintain electronic payment processing that meets the following criteria: 1) Secure data during its collection, transmission and storage. Data protection during collection and transmission via SSL with 128 bit encryption or better. Why settle for 10 -year old+ security standards? SSL with 128 bit encryption has been around since the late 1900's. Crooks have evolved since then, and so must security standards. The FirstView payment processing platform, FirstPoynt, meets these standards and so much more for no additional fees. FirstPoynt is Payment Card Industry (PCI) Data Security and Standards and SAS 70 Type II compliant, so the Town does not need to invest its tax dollars, resources and time to meet these standards. We also comply with National Automated Clearing House Association (NACHA), Graham -Leach -Bliley Act and Anti -money Laundering standards. We provide this compliance at no additional cost. We adhere to data encryption standard Triple DES and SSL with 168 bit encryption. Data is encrypted at rest and in motion. In our 3 -tiered architecture, we have 4 sets of redundant firewalls that protect our Web tier, our application tier, our database tier and our tier to outside (credit/debit card) processors. Our servers are dedicated to FirstPoynt. Our data centers, systems and processes are reviewed annually by outside auditing firms to ensure we meet industry standards of PCI, NACHA and SAS 70 Type II compliance. We are also ahead of the game and are working on the new SSAE 16 SOC1 standards. We have stringent policies for confidential data security, network security, physical security, network access and authentication, password, acceptable use, data encryption and many others. All or these are a MUST in the payments industry. We highly recommend the Town broaden the security requirement of only SSL with 128 -bit encryption to ensure the data of its valued constituents are protected by the latest industry standards and best practices. 2) System allows payments using American Express, Discover, Visa, MasterCard and branded debit cards (MasterCard/Visa) as well as electronic checks. The Town's customers can make payments via credit (Visa, MasterCard, Discover, American Express), debit (Visa, MasterCard), ATM or ACH/eChecks (from checking and savings accounts). August 19, 2010 / Confidential -4- Elav n Proposed Solution for the Town of North Andover, MA C Besides the basics above, FirstPoynt gives the Town the flexibility of processing electronic checks/ACH payments in three ways: with Elavon, with the Town's bank of choice, or directly to the Federal Reserve through FirstPoynt. When utilizing our service, we can offer a late- night processing window to accept payments at times that better fit the needs of the Town's customers. You choose. 3) Separate merchant accounts for each tax, charge or fee type. We exceed on this requirement with our enterprise solution hierarchy which allows the Town to effectively manage its entities through one administrative system and reporting infrastructure. Each entity may be enabled under the Town's enterprise and have its own "look and feel", own features and functions, branding, unique messages, unique on-screen verbiage, payment methods. They can be implemented as Merchant Funded, Consumer Funded (convenience fee) or both. Each entity may monitor its own payment activity but may not access other entities' activity. The Town will have visibility into the payment activity of each entity individually or all entities collectively. 4) Transaction and merchant fees paid will be paid by the consumer (convenience fee). The FirstView online payment solution can be implemented as Consumer Funded (convenience fee), Merchant Funded, or both. 5) All convenience fees must be processed as a separate and unique transaction and not imbedded in total amount paid. All convenience fees are itemized separately during and throughout a customer payment process. They are also listed separately in the FirstPoynt reports produced. All reporting and reconciliation information from FirstPoynt is consolidated into one easy-to-use administrative dashboard. Over twenty-five reports are available to measure and monitor payments, listing convenience fees separately on each record, and system activity/usage. Each report can easily be downloaded. Daily remittance files of all transactions through the FirstPoynt offerings can be provided to the Town directly from FirstPoynt or provided in an integrated receivables file, a file that combines lockbox and electronic payments. Each of these capabilities helps reduce the costs of applying cash accurately and reconciling accounts in a timely manner. 6) Payment transactions processed with "real-time" authorization. With our standard service, credit and debit card payments are processed real-time. ACH payments are "transacted" real-time but are electronically processed each evening. We can also process and validate ACH transactions in real time. Below is a diagram of the FirstPoynt Complete Process Flow: August 19, 2010 / Confidential -5- Elav n Proposed Solution for the Town of North Andover, MA F rstPoynt Online Payment Portal Process Flow F io r:,stivff mi ew mw Users Users come into Client / Firstview Web Site to make payments )Users can All also make Payments via an IVR System Approved or [denied Response is returned to the User Client can Create Reports and View all items .Processed Client P FV Administrative Wah Rifo I z J1 Client i FV Web Site LN (Optional) Recurring ;Payments Flow User choses payment method and enters payment data 'IHng informat4on is import into FirstPoint Application in real tune or belch mode Payment Database is t}pdafed Paym"ti Databii4k Remittance File File is placed on .FV FTP Server for Client AR Updates I •- Client System FirstPoynt Application (Optional) Clients can request areal time post back (RTPB) of successful payments to update their Ala systems Real time 44 PayrnBfft Request is sent to Credit carni, Debit card, ACH Processor. Real Time Response is sent buck to FV (Optional) Clients can choose to use the Warehouse) Disbursement Payment Feature f V g A r. Processor/ Credit Card Debit Card ACH Funds are Deposited in Client"s DDA within 48 Hours Client Demand Deposit Account August 19, 2010 / Confidential -6- ElaVbri Proposed Solution for the Town of North Andover, MA 7) Provide a confirmation number for every successful payment. A transaction number and confirmation number is provided for every successful payment. 8) Scale to meet peak demand of seasonal collection cycles. Fe - Our application and infrastructure is fully scalable. We constantly monitor our servers for performance and available storage and add additional capacity if performance is below an acceptable threshold and/or server utilization is above an acceptable threshold. 9) Provide on-line, secure payment tracking. Our IVR, Web, Kiosk, OTC and Customer Service services are fully integrated into our payment and reporting platform. Payments on any of these channels are updated in real time within our application. Typically the same validations fields are used to identify customers and provide remittance/reconciliation information back to the Town. Attached as Exhibit 1 is a review of our twenty-five (25) online reports: IN Exhibit 1—Reports—Town of 10) Notification by e-mail to the consumer and the Town of all charge backs. FirstPoynt automatically emails to the Town's customer and/or to the Town all chargebacks. 11) Financial reports of all payments; reports available on-line. See above, #9, for details regarding these and other reports available online 24X7. 12) Audit trail of a transaction through the entire payment cycle. Over twenty-five reports are available to measure and monitor payments and system activity/usage and each report can easily be downloaded. Daily remittance files of all transactions through the FirstPoynt offerings can be provided to the Town directly from FirstPoynt or provided in an integrated receivables file, a file that combines lockbox and electronic payments. All reporting and reconciliation information from FirstPoynt is consolidated into one easy-to-use administrative dashboard. Each of these capabilities helps reduce the costs of applying cash accurately and reconciling accounts in a timely manner. 13) Must provide means of integration with internal applications via documented and delivered APIs or Web Services or secure file download in specified format. FirstPoynt will interface with and/or integrate into the Town's existing internal applications. 14) Ability to pay/ view multiple bills. August 19, 2010 / Confidential -7- E)av n Proposed Solution for the Town of North Andover, MA C� The FirstPoynt solution can present multiple bills to customers and provides them the ability to select any or all to be paid online. 15) Detailed on-line history. Customers and Town personnel (granted access by the administrator) can view payment history 24/7. 16) Search for Bills by Street, license plate numbers, or other public data. The Town can determine and name specific search criteria for any of its billing data. 17) Preferred system will allow Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies) to electronically research real estate tax information, report taxes owed and remit payments on behalf of property owners for all participating Billers. Town customers will have the ability to personally extend access to their tax information to Bill Processors as required. 18) The vendor's web -interface will be customized to match the Town's look and feel and also have the ability to be quickly and easily be changed by the vendor at the Town's request, at no cost to the Town. FirstPoynt can be implemented in a matter of hours rather than weeks or months. Faster implementations means less resources and overhead required from the Town and us. We pass these savings on to the Town in low and no implementation fees. We can match the Town's web site's look and feel or be integrated into the Town's Web Frames for an exact web match. The Town will have the ability 24X7 to make changes, as desired, on its own or ask us to make changes on its behalf. Our solution is uniquely flexible, available for extensive editing directly by the Town. Below is an implementation schedule and project management plan for implementation of the Town's services: FirstPoynt Online Payment Portal Town of North Andover Implementation Timeline Step Function Description Duration Combined (days) Time (days) 1 Sales Complete Configuration Guide 0.5 0.5 2 Implementations Configure Town Implementation based on 0.5 1 Configuration Guide 3 Merchant Support Town configuration is validated by Merchant 0.5 1.5 Support 4 Production Support Production Support setup FTP, etc based on 0.5 2 Configuration Guide August 19, 2010 / Confidential -8- Ela -v n Proposed Solution for the Town of North Andover, MA 5 Accounting Implementations notifies Accounting group of 0.25 2.25 Town Implementation 6 Implementations Town is notified of configuration setup and 0.25 2.5 provides then with Unattended User Acceptance Testing Spreadsheet (UUATS) 7 User Acceptance Town conducts unattended user acceptance 5 7.5 Testing testing 8 Implementations Implementations forwards the results of the 0.25 7.75 UUATS to merchant support and accounting where UUATS results are validated 9 Implementations Go -Live date is established for Town and Post 0.25 8 Implementation Monitoring Spreadsheet (PIMS) is activated. 10 Implementations All business areas monitor Town activity for a 5 13 period of one week and update the PIMS accordingly 11 Implementations All files and documents are stored for audit 0.5 13.5 purposes 19) Selected system shall have the ability to interface with separate system that allows for on- line registration and payment for class/department programs (Elder Services, Recreation & Youth Services, and School Department). FirstPoynt offers a "Single Sign -on" interface so the Town can allow customers to complete online payment initiated via separate systems and complete the payment process via FirstPoynt. B. Payment Validation 1) The vendor must provide a check validation service. Conversion with Guarantee — The paper check is converted into an electronic transaction, and the check amount is guaranteed. The guarantor assumes the risk for all qualified transactions processed. 2) The vendor must provide check authorization service. Conversion with Verification — The paper check is converted into an electronic transaction and ECS verifies that the check is good. 3) The vendor must provide real-time credit card validations. Credit card authorizations are provided real-time. August 19, 2010 / Confidential -9- Elav n Proposed Solution for the Town of North Andover, MA C. Payment Processing 1) Credit card payments must post to a Town's bank account as a daily batch by merchant account. Town will have several separate merchant accounts. We meet this requirement. IN] 2) E -Check must post to Town's account as a daily batch. The batch amount must tie to one day of a -check receipts with real-time feedback on payment confirmation, authorization and transaction information (e.g. account number, permit number, invoice number, etc.) We meet this requirement. 3) ACH transactions processed by 5:00 p.m. (EST) shall be available to the Town the next business day. We meet this requirement. 4) Credit card transactions received by 5:00 p.m. (EST) shall be processed for settlement that night, and funds will be available to the Town within two (2) business days. We meet this requirement. 5) Notification by e-mail to the consumer and the Town of all charge backs within two (2) business days. Notification will include payer's name, date of payment, payment type (i.e. e - check, credit card), and payment amount. The town and/or we can configure the solution to automatically notify the customer, CSR and/or Town admin of charge backs immediately. We can also support SMS text notifications. It is highly recommended that the Town consider only solutions that offer both email and SMS text notifications because mobile phone -based payments are the fastest growing payment tools in the electronic payments space. D. Reports Payment processor component must provide a report which lists each payee name, payment transaction type (credit card, debit card or ACH), payment description (i.e. receivable type and account number or fee type), and amount paid. Report must allow date parameters and be sorted by merchant account. Report must subtotal by receivable type (or permit type) and by payment type. If convenience fees charged, convenience fees must be subtotaled separately. FirstPoynt produces twenty-five (25) online reports that provide all of this info and more. Report data can be sorted, sub -totaled, etc. as needed. Convenience fees are always separated — in reports as well as in presentations to Town customers. Examples of our reports are found in questions A. 9. August 19, 2010 / Confidential -10- E)av ri Proposed Solution for the Town of North Andover, MA E. Training and Customer & Technical Support: Vendor shall provide training user, administrative and development training as well as documentation for Town of North Andover technical staff prior to implementation date. Al Three (3) web -based training sessions are provided at no cost. We limit the sessions to fifteen (15) participants to maximize impact. Additional web -based sessions are provided for a fee. On-site training may be provided for a fee plus the reimbursement of reasonable travel expense. Training is geared to the user group being trained — leadership, administrators, CSRs, etc. The training will be developed with the Town's participation and will cover the material targeted for each group. Documentation will be provided to the Town's technical staff. F. Project Schedule The system is to be implemented and go active no later than January 1, 2011. FirstPoynt can be implemented in a matter of hours rather than weeks or months. We have no issue meeting this date. 7. Minimum Criteria/Qualifications Each applicant must demonstrate that it meets the following minimum qualifications: A. Vendor shall have a minimum of three (3) years experience in performing the work described in this RFP. Elavon exceeds this requirement. B. Vendor shall have a minimum of fifteen (15) government clients in Massachusetts. Elavon exceeds this requirement. C. Vendor shall submit a complete list of all contracts performed in Massachusetts in the past three (3) years that are similar in scope to this project with contact names and telephone numbers. We value all client relationships and are more than happy to provide references to the Town, including references from our other municipality clients that have implemented our systems. Out of respect for, and as a courtesy to, our existing clients, we would like to defer the reference discussions until after we have been chosen as a finalist in this RFP process. Please understand that in the future if we are selected to support the Town's online payment needs, we will afford this same courtesy and respect to the Town of North Andover. FirstPoynt is in use today by a diverse market: manufacturers, software companies, insurance companies, energy companies, August 19, 2010 / Confidential -11- Elavon Proposed Solution for the Town of North Andover, MA 01 banks, financial services, credit organizations, real estate firms, and, of course, municipalities and other government organizations. D. Vendor shall submit a minimum of five (5) references of contracts performed in Massachusetts that are similar in scope to this project with contact names and telephone numbers. See answer above in letter C. E. Vendor shall list by name and provide contact information for all on-line program registration and payments packages your system can interface with. Vendor shall also submit a minimum of two (2) municipalities where this interface occurs. We value all client relationships and are more than happy to provide references to the Town, including references from our other municipality clients that have implemented our systems. Out of respect for, and as a courtesy to, our existing clients, we would like to defer the reference discussions until after we have been chosen as a finalist in this RFP process. F. Fees In general, most Convenience Fees charged to the Town's customers will be determined by the average payment amount of that particular Town entity, anticipated transaction volume, the mix of payment types (credit card, debit card, ACH and etcetera) and other cost factors. Because we have not received information on these averages, we will assume the average payment for all services is $100.00. We have not been given information on the mix of payment types. Therefore we make an assumption the mix of payment types is: twenty percent (20%) credit card, twenty percent (20%) debit card, and sixty percent (60%) ACH. We also assume a minimum of ten percent (10%) of FirstPoynt system usage for payments by the Town's customers and employees. All payment types are included except where noted (Credit Card, Debit Card, ACH and others). Due to card association rules of Visa, MasterCard, America Express and Discover, there may be certain limitations in assessing convenience fees on certain transaction types. Based on these assumptions, our convenience fee pricing is as follows: Implementation Fees: $0 Hosting Fee: $0 Convenience Fee: Tax -related entities: 3% per transaction Non -tax -related Town entities: with Visa = $3.95 per transaction; without Visa = 3% per transaction Town entities wanting ACH-only solutions: $1.95 or 1% per transaction Pricing may change when specific data are known on the payments made through our system. August 19, 2010 / Confidential -12- Elav h CERTIFICATIONS CERTIFICATE OF NON -COLLUSION The undersigned certifies under penalties of perjury that this bid or proposal has been made and submitted in good faith and without collusion or fraud with any other person. As used in this certification, the word "person" shall mean natural person, business, partnership, corporation, committee, union, club or other organization, entity, or group of individuals. Signature Mark Shapiro, Regional Manager Date 8/13/10 Elavon, Inc. Print Name & Title Company Name CERTIFICATE OF TAX COMPLIANCE Pursuant to Chapter 62C of the Massachusetts General Laws, Section 49A (b), I Mark Shapiro , authorized signatory for Elavon, Inc. Name of individual Name of contractor do hereby certify under the pains and penalties of perjury that said contractor has complied with all laws of the Commonwealth of Massachusetts, and the Town of North Andover, relating to taxes, permit or other fees, reporting of employees and contractors, and withholding and remitting child support. Signature 8/13/10 Date Town of North Andover RFP 07/19/2010 Page 24 of 25 On -Line Bill Pay Services *Not Applicable* CERTIFICATE OF VOTE At a duly authorized meeting the Board of Directors of the held on it was VOTED, THAT (Name) (Officer) of be and hereby is authorized to execute contracts and bonds in the name and on behalf of said , and affix its corporate seal hereto; and such execution of any contract or obligation in the name of on its behalf by such officer under seal of , shall be valid and binding upon that I hereby certify that I am the clerk of the above named and is the duly elected officer as above of said and that the above vote has not been amended or rescinded and remains in full force and effect as the date of this contract. (Date) (Clerk) Town of North Andover RFP 07/19/2010 Page 25 of 25 On -Line Bill Pay Services FIRSTPOYNT REPORTING Over 25 reports can be displayed through the Administrative Dashboard of FirstPoynt (Figure 1) to provide the Town of North Andover with real-time access to meaningful and valuable information on payments transacted and other activities in the system. These reports can be accessed by simply "clicking" a specific report icon in the Reports Section (circled below in Figure 1) or by using the drop-down list on that specific report page after accessing any of the reports (Figure 3). By clicking on the reporting icons, each report is generated in real-time. Coininon-wralth of Al( �,viChusel/S 1 1 u U., Lei I UsxfR�xticn ese:&ss.d d I VSN Files Craup User logs4C� Uses Ldgir. Dei=II Bill., w lit Setii,gs ly Eis Bill., List Creation Ca.egaer, Email T.-dlates •mer Cusen 1 C Lis: Cre.tion SIDS On D.—d Reomiw Payment C d— I C r Mapping knport CSR. I P,ymet'h,sage a a ,SR, CSR Lb -1 Cres.., Edit CSRr o11an CSR R.I. C—Up 16 w lit Setii,gs I Edit _ _- Load Redlixdan Lcatl Bill CUI5(�iw, Email T.-dlates SMS Tse�..•r�plat=_s I Ba�lriyilnl_ U1 SIDS On D.—d Reomiw Payment Ocdcns . at T8"s I P,ymet'h,sage lu F.90 P --t! MCIldayf c�en1>, Figure 1 HOME 'Ll . ski Trans U- Processing Daily 0 I Uy Fay: hent Summ•y Payment F Drre't11ail Daily Daily Exaoti- ( -.0- S.--, Detail Set l ent I C er FOS Sdheduled Tn,saarons I Fayment ACd Eal— Repul Chargehalwilehms S.M.,L3 _ _- Load Redlixdan Lcatl Bill D,• n�xd Miall—, Settings SMS Data Im�^olut U1 To,, I7 , De-ji tion Addmm VE,ifia Mapping . CW IUaccing Saw" CV rvR HOME 'Ll . ski Trans U- Processing Daily 0 I Uy Fay: hent Summ•y Payment F Drre't11ail Daily Daily Exaoti- ( -.0- S.--, Detail Set l ent I C er FOS Sdheduled Tn,saarons I Fayment ACd Eal— Repul Chargehalwilehms Figure 2 shows the Daily Payment Detail Report. All other reports follow the same format, look and feel. rt 1. "P=Nn Cnmrnonrr�nNlr o� 9eleC Revvt iCailY PaY�'Mant Oe:ai =iI!z�C: —Ti,e T: T— Ina T. Cate . _m � e _ v None V� c8�122010 ]7 8'722070 T 0:00 A i�n =il:e• �:I:,mn ,,: ^di:kn Vere Nv+e V ,lire _ V: Daily Payment Detail Report Accotad LastDescnp6a� FirstPOYM Processor Payment Principe Number N— Trans Id Trans W Amount A—i S: S!'S 1:. 2013 9O:C-A1.1 AJT. S'—% 52.9'.,& 11 207] c cl -5 Phi JAJTR ..uwa.s Tctel R-1— 0 SO 00 T.W Fvoessc-a 2 24?.90 Tvial V..0 0 S0.00 Tctal R¢f,. *etl 0 50.00 C.av T.tal 2 Sle 90 Pant F�pod Date ficN:.av Iblulticle Ore -Tien=_ ATS + a ficc*c.ey 11,101. la 10'e -T -e AIS All reports follow the same format as the Daily Payment Detail Report above. Report information filters are shown here. All reports may be exported and/or printed by clicking here. Figure 2 Reports also may be accessed via the circled drop-down list as shown in Figure 3 below. RoortIMIMove, ASN Summery i � e o.._lumn A..4 Sa�kme S-Ule fntn rgONir;nith or �lliftcn r/r �f crll� - P E ExoeWtons 81121101011:57:40 AM E lea qf_j I Ca ily Fayme nt Geta it Fil ASN Summery o.._lumn A..4 Sa�kme S-Ule Eill— CeWlls E ExoeWtons • %-d Eillload Summary Fllte•0cl�mr+lad EgA.Ijon I Non. ILhawbad, ]evil --- -' -- j Crvgtbad Summery SR. Activity Repp,t Daily Expeotion Catait Tail Expap0pn 5ummery Daily Far ..t S --y Dairy P.N.I. Detail Daily F.N[W E ..tion. Detail Gaily FreNOW Ex—tion Summary Re[^n Cat Daily FrvNOW Summery Notice of cf,. ge R.._ Ative^x j N.V. at CA.n. 5ummery FrtNcte Retun Cetail A—,,, l.'� Ra4n' liI., ,Deteib F nalietion 5.+mrney �Re_iw Pf ymenn Regi- 11—R Niel] Retmi Summary Saietluletl Payment 5ummery 3y � SetLamen: Reopn - SMS Tan S�mmfy V uVye. = span ul Eill Total Ret— 0 Tptal F,.— 2 Total V,Otl 0 Tptal Ref.noad 0 Grand Tctel 7 Saa- Re Daily Payment Detail Report 8.? 4ONIE LOGOCT F•_m Tigre Tc Time 5:955 1:2'310 's:0a 27 AM AJTH fi. Acc+c rev^ 'Jrlulticle 5295811:2010 se;ti as Fhl `A.JTn alas •A-- 1 'MultiFle Figure 3 Specific information on all available reports is categorized below: fPrintf_ IE,p Ca. I}OneTime WEE -4 .—Tune WEE' Transaction Processing Reports Transaction Processing Reports present information on any payments processed through the FirstPoynt system. The reports include: • Daily Payment Summary: a summary of all payments for a selected timeframe. The Daily Summary Report may be "drilled down" to the detail for any specific day by "clicking" on that date. This report is often used to get a snapshot of expected receivables for a specific point in time. • Daily Payment Detail: a detailed view of all payments during a selected timeframe. This report provides specific payment information for each customer account and is often used to for reconciliation purposes and for liquidity analysis over time. • Daily Exception Summary: a summary of all payment transaction exceptions that have occurred during a selected timeframe. This report helps show negative payment trends and potential issues in the customer base. • Daily Exception Detail: a detailed view of all payment transaction exceptions during a selected timeframe. This report shows negative payment trends in specific accounts and potential issues in specific customer accounts. • Settlement: a report on the daily settlement of funds used to help reconcile receivables activities. • Scheduled Payment Activity: a report that shows all future dated on-time payments scheduled in the system. This report helps predict cash flow and help ensure customers are meeting their payment obligations. • POS Transactions: a report that details Point-of-sale activities for over-the-counter payments. • ACH Balance: a report that is designed to reconcile ACH payments through FirstPoynt to bank deposits. Chargeback/Returns Reports These reports display information on transactions that require additional handling for issues encountered after the initial payments were made. • Chargeback Summary: provides summary information of credit card chargebacks over a specific time period. • Chargeback Detail: shows detailed chargeback information at the account level to help identify negative payment trends and dispute activity for a given account. • Notice of Change Summary: displays summary information on notifications of change (NOC) over a period of time. • Notice of Change Detail: shows specific information at the account level for NOC activity. • Return Summary: A report that shows summary level information on ACH returns and dispute activity of all clients over a given period of time. • Return Detail: shows the return detail and dispute activity by account on ACH returns processed through FirstPoynt. • ACH Inbound Summary: Shows summary level information on imported ACH payment files for processing. • ACH Inbound Detail: Displays the detailed transaction information of imported ACH payment files. • ACH Settlement: Displays all ACH settlement activity for reconciliation purposes. Data Transfer Reports This section of reports presents information on data imported to and exported from the FirstPoynt system for the purpose of monitoring bill enablement and payment processing. • Bill Load Summary: shows summary information on all bill data imported to the FirstPoynt system. Summary data displayed may be "drilled down" to specific batches of bill data. • Bill Load Detail: displays line item detail of bill data imported to the FirstPoynt system. This bill data will be displayed for customers (consumers and businesses) to make payments. • Bill Load Exceptions: shows bill load data that did not load properly. • Reconciliation Summary: shows summary level information on bill load data to help reconcile the data sent with the data presented on line. • Reconciliation Details: Shows more detailed information of the bill data sent for reconciliation purposes. Miscellaneous Reports Miscellaneous Reports provide relevant information on a number of financial and non-financial activities in the FirstPoynt system. • Registration: displays customer demographic information for those enrolled in the system. This information may be exported and used in other systems like Customer Relationship Management Systems (CRM). • Recurring payments: a report that shows all recurring payments scheduled in the system. This report helps predict cash flow and help ensure customers are meeting their payment obligations. • Card Expiration: This report shows information on accounts that have credit card expiration dates approaching. Combined with our email and SMS text capabilities, notifications can be automatically sent to customers instructing them to update card information prior to the expiration date. • CSR Activity: Customer service representatives (CSRs), agents or collections personnel may make payments on behalf of a customer with the FirstPoynt system if our client chooses to enable the capability. These payments are typically done via inbound calls, outbound calls, and walk-in. This report tracks the payment activity of CSRs that make payments on behalf of these clients. • SMS Summary: Shows information on the number of SMS text messages/notifications sent as reminders of card expiration, reminders of bill due, and confirmation of payments. • Non-financial Activity • User Log: shows information of all users on the system including IP address information. ORIGINAL \° - �-- p . .°\, \ . ` ©�-�-- .. ORIGINAL \° - . .°\, \ . ` 8 * oo =' r) 2. =r !R =. rD bo 15 XD LA rD A LD� 0 - - 3 8> 00 00 00 ul 3 rD Proposal for UniPay Gold Online Payment Services Town of North August 17, 2010 Unfibnk www.unibank.com Uni►Bank August 17, 2010 Mr. Ray Santilli, Assistant Town Manager North Andover Town Hall 120 Main Street North Andover, MA 01845 Dear Mr. Santilli, Patricia A. Baker Senior Vice President Government Banking Department Thank you for expressing interest in our online tax and fee collection product, UniPay Gold, provided by the Government Banking Department at UniBank. I will be the individual who will execute the contract with the Town of North Andover on behalf of UniBank. By way of introduction, please allow me to point out that UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 247 communities and school districts with 346 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. UniBank's Government Banking Department is a full-service provider of solutions and services expected by municipal officials. These include collection, disbursement, reconciliation, and complex reporting services. This proposal will describe in detail our UniPay Gold product that is an example of our commitment to help municipalities optimize limited staffing as well as increase the potential for revenue enhancement. In lieu of the contract enclosed in the Town's RFP, attached you will find a copy of our 3 year contract. We would be grateful if the appropriate authority would sign and return this document if services are awarded to UniBank. We would consider any modifications requested. This proposal will remain in effect for 60 calendar days after the deadline date of August 17, 2010. UniBank is a member of Depositors Insurance Fund (DIF). As a municipal depositor with UniBank you automatically receive both FDIC and DIF insurance coverage for your deposits. "All deposit accounts are fully insured without regard to account title, class, or the number of 39 Church Street • Whitinsville, Massachusetts 01588 • Telephone: 508.234.8112. 1.800.678.1635 • Fax: 508.234.7619 • www.unibank.com UnrBank Patricia A. Baker Senior Vice President Government Banking Department accounts held by the depositor. Deposit balances, whether held in one account or aggregated across multiple accounts of the same depositor, are insured in full without limit or exception." We believe three characteristics distinguish UniBank: Our commitment to municipal government which extends from the Board of Directors and senior management to government banking and fiscal advisory staff members. • Our commitment to service which pervades the bank. • Our stability. As a mutual savings bank, UniBank has no stockholders. As a result, we are not subject to the market forces that have been responsible for so many bank mergers and acquisitions in recent years. This allows us to focus on being a community bank serving the Blackstone Valley and a municipal bank serving all of Massachusetts. Thank you for considering us. Sincerely, 6z f�- lut", Patricia Baker Senior Vice President Government Banking 39 Church Street • Whitinsville, Massachusetts 01588 • Telephone: 508.234.8112. 1.800.678.1635 • Fax: 508.234.7619 • www.unibank.com Overview of UniPay Gold UniPay Gold provides you the ability to offer the collection of taxes, fees, and other charges through a web based product with multiple payment options (i.e. ACH and Credit Card) and security standards that only a financial institution can offer. Funds received via ACH transaction shall be credited to the Customer's selected account at UniBank within two (2) business days. Funds received via credit card transaction shall usually be credited to the Customer's UniPay account at UniBank within 3 or 4 business days depending upon the credit card processor. UniPay Gold consists of two components: Payment Center and Administration Center The Payment Center is your UniPay Gold website used by constituents/users to make payments for taxes, fees, purchases, or other charges. The Administration Center is the website you will use to receive payment information, upload files, and manage users. Payment Center Consumers will access the Payment Center through a link available on your website. This link will direct them to your Payment Portal where a customizable Welcome Message is displayed. Town of DEMO I Home • Help View Cart I Transactions: Welcome customew. Clerk ► welcome to the Town of Demo's new and improved UniPay Gold Demo Town Llcenses & Permits , online payment center through UniBank. Not your town? Other ► School Department ► Tax Collector ► Utilities ► yourpayor ent irdorrnetian is ®SKURE, TSIM Il FB UniVank Thank you for using UniPay Goidi prubKb?d with stsl—Rhe- irdustry encryption methods and certified though Vem-Agn. Far more infcrmatian on unamk visit Page I 1 On the left hand side of the screen there is a list of classifications for the consumers to choose from. This list will be stationary throughout the payment process to allow consumers to use the payment cart feature. To make a payment a user will select the transaction type they wish to pay. If an import file is uploaded, consumers will be required to enter in the lookup fields in order to be directed to the next page where they will access their payment information. This page will be populated with information from the import file for verification. If this particular transaction type does not have a corresponding data file, consumers will be directed to the next page where they will be asked to enter in the required information, which you have requested to collect, before adding it to the Payment Cart. The Payment Cart will allow consumers to make multiple payments and purchases all in one easy transaction. Once all items are in the cart, consumers will click the "Checkout" button and be directed to the Billing Information page; this information is available for your use on the Administration Center. One final review of transactions to be paid will appear and require consumers to confirm before placing the payment request. Once this request has been submitted, a copy of the confirmation will be sent immediately to the provided email address. In the case of a returned item, an email will be sent to both to the consumer and the Town. Administration Center Your users will access the Administration Center through a link provided by UniBank. This link will direct them to login page where they will enter in a username and password specific to each user. Once successfully logged in, they will be directed to a Welcome Page (shown below) which is the Home Page for UniPay Gold allowing them access to all the services it provides. The navigation panel on the left hand side of the Home Page will be stationary throughout most tasks in the Administration Center. If for some reason you navigate away from this list you can access it by clicking "Home" located on the top left hand corner of the Administration Center. Home • Help User Functions: Welcome. February 10. 2010 My Account , This is the UniPayGold Admin Centerl Customer Admin File Management ► All information sent to and from UniBank is processed through the Customer Administration Center. Review Data Through the Admin Center, you can upload files and other information to us and download lockbox files created for you. You will also use the Center to manage access by your staff to UniPay Gold and maintain information about your own account. You can also view reports and information regarding the payments you have received. Guest Unift k Page 12 User Functions The first classification is My Account. Here you will be able to go back to the login page and also change your password. The next user function is the Customer Administration. This function will be available to those of you who will be set up as an Administrator. Administrators have access to all areas of the UniPay Gold Administration Center, including the ability to Manage Users. Administrators can add new users, delete users, and edit existing ones. Other roles include the Customer User, Customer Researcher, and File Manager. Instructions on adding new users are included in the User Manual along with the access specifications for each role. The next User Function is File Management. Access to this section allows users to upload, delete (manual and scheduled deletion), and monitor inquiry files on UniPay Gold. The Import Monitor will allow you to view the progress of a file uploading as well as view an audit trail of past uploads. This will most importantly included the name of the person who uploaded the file with a timestamp of the start and end time. This section is also where users will download lockbox files from payments received each day. This process of payment posting can be done at the Town's discretion. The final User Function is Review Data. Here users will be able to view available reports and research payments made. There are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers by using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. By clicking on their email address you will be able to immediately contact your constituents. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. Scope of Work: A. Functionality 1. The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to only those employees who have a need to know such Untgank Page 13 information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 2. Tender types accepted on the UniPay Gold system include the use of Credit/Debit Cards as well as ACH. MasterCard and Discover cards can be accepted with the processing fee passed on to the end user. VISA cards can be accepted with the processing fee paid for by the Municipality. UniBank is in the final stages of implementing the VISA Tax program which would allow the processing fees to be passed through to the end user for Real Estate, Personal Property, and Excise bills. The ability to accept American Express is also in the near future as we have submitted an application with the company. Merchant Accounts are set up through UniBank's Credit Card Processor. These can be set up separately for each individual transaction type collected on the system or be grouped for all departments. At the time of setup this will be the choice of the Town. 4. A convenience fee will be passed through to the consumer for Credit Card only. This fee is assessed in order to process the payment and is based on the dollar amount of the transaction. (See Pricing Proposal) Consumers will not be charged a fee if they pay through the ACH payment method. S. Within the UniPay Gold system the convenience fee amount for Credit Card transactions is shown as a separate entity and not grouped together with the transaction amount. All convenience fees funnel through a separate Merchant Account and are never grouped together with the transaction merchant accounts. 6. Payments made through the Credit Card payment option are approved or declined at the time of submission for payment. Payments made through the ACH payment option are subject to the NACHA rules and regulations. In the case of an ACH rejection, email notification is sent to both the Town of North Andover and the consumer once UniBank is notified by the Federal Reserve. 7. Each payment generates a sequential and unique confirmation number to the consumer. This confirmation is displayed on screen after successful submission with the ability to print. A similar confirmation is also emailed to the consumer's email address provided at the time of payment. 8. With the help of our development team, UniBank spent an extensive amount of time creating a product that is scalable for our future. It has the ability to withstand the peak demand of seasonal collection cycles along with providing a solid product for our expanding customer base. 9. Upon set up, the Town of North Andover will be provided with a fully secure web based Administration Center. This Administration Center will allow town employees to research payments made using the search functionality, review reports containing payment information, and also download the lockbox file Unr'3ank Page 14 which has details on each payment made. This functionality allows for easy, online payment tracking. 10. In the case of a chargeback, email notification is sent to both the Town of North Andover and the consumer on the same day UniBank is notified of the rejection by the Federal Reserve. 11. Within the online Administration Center, town employees will have access to reports containing payment information. There are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into an Excel spreadsheet or text file depending on the Town's requirements. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. 12. Audit trails are available throughout the online Administration Center. With access to this website, you will be able to see the payment process starting with the file import to our site before any payment has been made all the way to the download of the lockbox file after the payment has been submitted. 13. A file download is available in the Administration Center once a payment has been made. UniBank is able to customize this file based on the format required for the receiving software. We are also in the initial stages of developing a web interface through the use of APIs that would pass the information securely without a file. 14. The UniPay Gold system offers a Cart for the consumer's convenience. This cart can be used to add multiple payments and process them all in one session. 15. There is a detailed online history through access to the Administration Center. As previously mentioned, there are four reports available to you: Transaction Detail Report, Transaction Detail Report — Chargeback Only, Bank Deposit Report - Aggregate, and Bank Deposit Report — Daily. All reports will be available on a daily basis or if you'd prefer, you can pull the reports for a set date range. There is also an export function that will export the report into and Excel spreadsheet. Here you can manage the data electronically and keep track of the payments made. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. You will be able to search payments made by consumers using the Research page. You can search by confirmation number, date range, transaction type, and lookup field information. Results will populate in the display where you will be able to click on the confirmation number to pull up the detail receipt. The information collected on the Billing Information page of the Payment Center will be available to you here. If you need more information on the payment itself you can click on the transaction name to expand the details of the transaction. A lockbox tll Mark Page 15 download is available that includes all payments received each day. The process of payment posting can be done at the Town's discretion. In addition to the online history of payments made, there are also audit trails available of the importing of each file. It allows you to monitor each of the inquiry files on UniPay Gold. You can view the progress of a file uploading as well as view an audit trail of past uploads. This will most importantly include the name of the person who uploaded the file with a timestamp of the start and end time. 16. There are two ways of collecting payments: with a file or without a file. If the transaction is setup to include an inquiry file, the UniPay Gold system will require at least one lookup field in order for the consumer to continue in the payment process. These lookup fields can be set based on the Town's discretion and are usually set based on the accounting software used. 17. Bill Processors (Tax Services, Banks, Credit Unions or Mortgage Companies) will be able to make payments on the UniPay Gold system just as a resident would. They will need to have the identifying information available in order to access the bill and process the payment. 18. Within the UniPay Gold system the look and feel of your Payment Center is customizable. We have the ability to modify the logo to include the same image used on your Town website. We can also add pictures, links, and text to the middle section of the initial welcome screen of the Payment Center as well as the right hand side frame area. Payment information collected is also a customized process dependent on the fields the Town would like the system to collect. We are available to make these changes during normal business hours at no cost to the Town. 19. The UniPay Gold product is built with a mapping tool which allows us to interface with virtually any software using a downloadable file format. We are also in the initial stages of developing a web interface through the use of APIs. B. Payment Validation 1. Upon selecting the ACH payment method consumers are required to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits of the routing number. The ACH payment method is subject to the NACHA rules and regulations. Funds are deposited into the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. 3. Credit Card payments are approved or declined in real-time at the time of payment submission. C. Payment Processing UnWan t` Page 16 UniBank's Credit Card processor will deposit the funds as a daily batch to each merchant account. The number of merchant accounts will be at the discretion of the Town. Payments made over the weekend (Friday, Saturday, Sunday) will be deposited in separate batches but all made on the same day. All ACH payments are deposited as a daily batch per transaction. Multiple reports are available on the UniPay Gold system that will provide feedback on payment confirmation and transaction information. The UniPay Gold system allows for a web based Town Hall that is open 24 hours a day, 7 days a week. Payments that are received up until 11:59pm are processed through the NACHA rules and regulations for ACH files. In order to provide a complete batch deposit for each day, ACH files are created at 12 midnight. Funds are deposited into the Town's bank account two business days after the payment is made on the system. 4. Credit Card payments are processed through UniBank's Credit Card Processor which settles payments made within 3-4 business days. In order to provide a complete batch deposit for each day, the processor does not cut off batch totals prior to 12 midnight. Based on the policies and procedures at the Federal Reserve, UniBank will receive notification of a rejection within 5 business days. Upon receipt of this notification, an email is generated to both the Town of North Andover and the consumer. Due to privacy there is some information that is not included on the initial email that is sent however this information is available on the Administration Center via a secure login. D. Reports There are four standard reports available to you: 1. Transaction Detail Report: This report provides a detailed look at the transactions made on a daily basis or by a range of dates. The information provided in this report includes the payment description, such as account number or bill number. Also, the post date and time and confirmation number for each payment is included. Finally, the tender type (ACH or Credit Card) and amount paid is included. These reports subtotal by transaction type (real estate, excise, etc.), and provide a net total for all transaction types within the chosen date range. 2. Transaction Detail Report — Chargeback Only: in addition to the information provided by the standard transaction detail report, this report also includes the chargeback date and reason for chargeback. This report contains only those payments which have been charged back within the chosen date range. 3. Bank Deposit Report—Aggregate: This report provides a separate total for each transaction type within a chosen date range. These reports are subtotaled by tender type (ACH, Discover, MasterCard) for all payments within the chosen date range. Unfit itk Page 17 4. Bank Deposit Report— Daily. This report is provided in the same format as the Bank Deposit Report—Aggregate, however each day's transactions are grouped and totaled to provide an easier view while reconciling over a date range. Full payment information for any transaction can be viewed using our Research feature. This will allow the Town to search for payments by multiple criteria. The Town can then view a full receipt including payee name and contact information, as well as all payment information collected. A report containing the Credit Card Processor's fees assessed and collected will be available upon request. These fees are not included within the standard reports provided. E. Training and Customer & Technical Support Upon set up, UniBank will provide the UniPay Gold User Manual to the Town of North Andover to assist with the implementation of the product. In addition, on site visits and conference calls will be held as requested whenever necessary. UniBank is committed to allocating the necessary resources to ensure a smooth implementation of service and a well-managed solution post -implementation. At UniBank, we work hard to provide our customers with the most technologically advanced products and services possible. We believe, however, that the greatest of these do not serve our customers well unless they are accompanied by solid commitment and the best support available. You are assigned an account officer who will be responsible for servicing your relationship. It is our practice to call in person on our municipal customers on a regular basis. Our customers are assigned a joint relationship management team consisting of the account officer and our UniPay Gold Support Team of three individuals who have been instrumental in the development of UniPay Gold and are very familiar with its systems, procedures and capabilities. In addition, our knowledgeable staff of Customer Service Representatives will be able to assist you with all other banking needs. For purposes of coverage, all of our staff is cross -trained. For that reason, be assured that any one of them are qualified to assist in meeting your needs. UniPay Gold is an advanced technology which will give you and your consumers a superior method of collecting taxes, fees, and other charges electronically. We realize that as you become acquainted with the many capabilities offered by UniPay Gold, you may have questions and may appreciate 'hands on' support and personal attention. Our hours of operation in Government Banking are typically 8:30 a.m. to 5 p.m. Our response to inquiries to either our sales team members or customer support group is immediate, and if resolution will take additional time, the action plan and timeline is outlined with the customer. Our goal is to provide our government banking customers with the best service possible. Unr�nk Page 18 Patricia Baker, Senior Vice President and Head of Government Banking Department Brian Jamros, Vice President and Account Relationship Manager UniPay Team Kristy Couture, UniPay Supervisor Email: krist_y.couture@unibank.com Direct Dial: 508-849-4247 Cindy Gleason, UniPay Coordinator Email: cindy.gleason@unibank.com Direct Dial: 508-849-4239 Debbie Mateer, UniPay Technical Support Email: debbie.mateer@unibank.com Direct Dial: 508-849-4255 Municipal Team Cheryl Schaefer, Online Banking Specialist Email: cheryl.schaefer@unibank.com Direct Dial: 508-849-4238 Stacy Castell, Customer Service Representative Email: stacy.castell@unibank.com Direct Dial: 508-849-4235 Amy Fisher, Municipal Technical Support Email: amy.fisher@unibank.com Direct Dial: 508-849-4237 F. Project Schedule Once proposal has been accepted by the Town, account opening and UniPay Gold setup processes will begin. After signed contract is received the setup process will take approximately one month to complete, not to exceed the deadline date of July 15`, 2010. 1. Presentation of UniPay Gold will be given to all users from the Town by an onsite visit. This presentation will review in detail all functionality of the UniPay Gold system and also include a question and answer session. 2. We will be available for discussion of software integration options for all of the Town's current applications. 3. Town will complete and submit UniPay Gold and UniBank account setup information sheets with the Account Officer. 4. Town will send sample export files from accounting software for testing and setup purposes. Town will upload accounting software files to the UniPay Gold Administration Center and test for accuracy. UntV k Page 19 6. Town webmaster will add the UniPay Gold Payment Center link to the Town of North Andover's website in a prominent place to allow consumers to access the new online payment option. Minimum Criteria/Qualifications A. We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. B. We are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). C. Please see attached list of full UniPay Gold customer base. Due to privacy concerns, the contact name and number has been provided for the 10 references listed below as we have been previously authorized to do so. Further information can be provided for other customers upon request. D. Below is a table of ten current UniPay Gold customers to be used as references. If further references are needed, please contact Brian Jamros or a member of our staff listed above. 1. Melanie Phillips 2. Kurtis Johnson Finance Director/Treasurer/ Director of Business Operations Collector Blackstone Valley Regional Town of Medway Vocational Technical High School 508.533.3205 508.529.7758 3. Robert McGuire 4. Kevin Merz Treasurer -Collector Treasurer / Collector Town of Norwood Town of Ipswich 781.762.1240 x111 978.356.6610 5. Cheryl Kelley 6. Maureen Dwinnell Town Treasurer/Collector Town Treasurer/Collector Town of Norfolk Town of Hopkinton 508.520.0058 508.497.9715 7. Theresa DeSilva 8. Paul Keating Jr. Treasurer/ Collector Treasurer/ Collector Town of Easton Town of Wayland 508.230.0610 508.358.3633 9. Wally Guertin 10. Marc Craig Production and Development Mgr Recreation Administrator City of Worcester Hanover Parks and Recreation 508.799.1272 x6665 781.826.7529 UhfZwk Page 110 E. UniPay Gold has the ability to interface with all software companies via our mapping tool functionality. This mapping tool allows our team to take the export from any software and create a layout in the system to allow for easy file upload to UniPay Gold. After payments have been made we continue with this interface to create an export from UniPay Gold that is able to be imported into the specific software system. UniPay Gold also has a new feature that allows for a Remote Transaction Interface (RTI). RTI allows for transactional data to be passed through the internet in order to make payment processing easier for your customers. UniBank has the ability to interface with any application that can programmatically pass transactional data to a UniPay Gold HTML form used to provide data to the UniPay Gold application. In our early stages of implementation we currently have one customer using the RTI option. Five additional customers are in the testing stages. The following list includes the software companies and towns involved. Should you require further information please contact the Project Manager. 1. Westwood Public Schools — Get Fused, Inc 2. Scituate Building Department — Full Circle Technologies 3. City of Methuen — Full Circle Technologies 4. Town of Westford — FB Gov 5. Town of Southbridge — People GIS 6. West Boylston Building Department — Soltrix Technologies Comparative Evaluation Criteria A. Experience with Municipalities in the Commonwealth of Massachusetts UniBank is the only community bank to develop an entire department exclusively committed to the municipal industry. As a result of that commitment, we are proud to say we currently do business with over 75% of the municipalities throughout Massachusetts. We currently have 216 communities with over 300 departments using the UniPay product since its inception in 2004 (see enclosed). We believe our success lies in our delivery of superior customer service by a staff with over 180 years of collective municipal experience. UniBank has a well earned reputation for product excellence as is evidenced by our ongoing development of systems such as UniPay, and products designed to meet the specialized and ever changing needs of municipalities. B. Accepted Forms of Payment UniPay Gold allows the collection of payments through ACH as well as through Credit/Debit card. Cards accepted include MasterCard and Discover. At this time we are making system modifications that will allow us to apply for the VISA tax payment program. Please note that if the Town of North Andover is willing to pay for the consumer's convenience fees, VISA is available immediately. Unift- _ k Page 111 C. Authorization UniPay Gold provides real-time authorization for credit card payments. At the time of payment it is either accepted or declined. The system also provides check validation that requires consumers to enter in their bank account number twice in order to cut down on input errors. The UniPay Gold system also tests the routing number entered by verifying the check digit as well as using an algorithm that will verify the first two digits inputted. The ACH payment method is subject to NACHA rules and regulations. Funds are depositecrinto the Town's bank account 2 business days after the payment was submitted and may take up to 5 business days to reject in the case of insufficient funds, etc. D. Security The safety and confidentiality of financial information is always a priority for those with responsibility for management of business and government funds. At UniBank, we are dedicated to the protection of our customers' information. From internal security, like firewalls and state -of -the -industry 128 bit encryption methods, to security procedures that verify wire transmittals and protect your e-mail communications with us, we continually test and update all of our systems and procedures. We restrict access to all nonpublic personal information to those employees who have a business need to know that information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. E. Transaction and Merchant Fee Processing Convenience fees for processing Credit Card are paid by the consumer. These fees are processed as a separate and unique transaction amount and are not imbedded in the total amount paid. Unift i k Page 112 Customer List 1 Abington School Department 45 Easton Public Schools 2 Acton Water District 46 Easton Town Clerk 3 Agawam Public Schools 47 Franklin High School 4 Arthur P. Jones & Associates 48 Franklin Public Schools 5 Ashburnham Municipal Light 49 Georgetown Public Schools 6 Athol Cemetery 50 Geriatric Authority of Milford 7 Athol Town Clerk 51 Grafton Public Schools 8 Auburn Town Clerk 52 Groton Country Club 9 Berlin -Boylston RSD 53 Groton Water Department 10 Blackstone Valley Tech 54 Hampden -Wilbraham RSD 11 Blackstone-Millville Regional School District 55 Hanover Parks and Recreation 12 Bourne Water District 56 Hanover Public Schools 13 Boxborough Public Schools 57 Harvard Public Schools 14 Brimfield Recreation 58 Holden Municipal Light Department 15 Bristol Plymouth RSD 59 Holden Town Clerk 16 Bristol Plymouth RSD - Childcare 60 Holliston Water Department 17 City of Attleboro 61 Hopkinton Public Schools 18 City of Beverly 62 Ipswich Public Schools 19 City of Chelsea 63 Ipswich Utilities Department 20 City of Chicopee 64 Jeffery & Jeffery Deputy Tax Collectors 21 City of Easthampton 65 Lanesborough Fire and Water District 22 City of Fall River 66 Leicester Public Schools 23 City of Gardner 67 Leicester Water Supply 24 City of Haverhill 68 Lincoln -Sudbury Regional School District 25 City of Holyoke 69 Littleton Public Schools 26 City of Methuen 70 Longmeadow School Department 27 City of Newton 71 Manchester Essex RSD 28 City of North Adams 72 Mansfield Public Schools 29 City of Northampton 73 Medway Public Schools 30 City of Peabody 74 Methuen - RTI 31 City of Quincy 75 Methuen Fire Department 32 City of Salem 76 Methuen Recreation Department 33 City of Taunton 77 Milford Regional Medical Center 34 City of Woburn 78 Millbury Public Schools 35 City of Worcester 79 Milton Public Schools 36 City of Worcester City Clerk 80 Montague Town Clerk 37 City of Worcester Fire Department 81 Mount Greylock Regional School District 38 City of Worcester License Commission 82 Nashoba RSD 39 Concord Town Clerk 83 Natick Public Schools 40 Dalton Fire District 84 Newton Police Department 41 Dennis Water District 85 Newton Public Schools - Early Morning Elementar, 42 Dover Sherborn RSD 86 Newton Public Schools - Instrumental Fees 43 East Longmeadow School Department 87 Newton School Meals 44 Easton - Water Department 88 Newton School Transportation Customer List 89 North Chelmsford Water District 133 Town of Andover 90 North Middlesex Regional School District 134 Town of Aquinnah 91 North Raynham Water District 135 Town of Ashburnham 92 North Reading Fire Department 136 Town of Ashby 93 North Reading Schools 137 Town of Ashfield 94 Northborough Public Schools 138 Town of Athol 95 Northborough -Southborough RSD 139 Town of Auburn 96 Northbridge Public Schools 140 Town of Avon 97 Northbridge Town Clerk 141 Town of Barre -Town Collector 98 Norwell School Department 142 Town of Barre - Town Departments 99 Norwood Public Schools 143 Town of Becket 100 Oak Bluffs Water District 144 Town of Bedford 101 Orange Town Clerk 145 Town of Belchertown 102 Palmer Fire & Water District #1 146 Town of Berkley 103 Pepperell Recreation Department 147 Town of Berlin 104 Pepperell Town Clerk 148 Town of Blackstone 105 Plymouth North High School 149 Town of Bourne 106 Plymouth South High School 150 Town of Boxborough 107 Plymouth Town Clerk 151 Town of Boxford 108 Plymouth Vocational Technical Education 152 Town of Boylston 109 Princeton Municipal Light Department 153 Town of Braintree 110 Quincy Public Schools 154 Town of Braintree - Clerk 111 Reading Municipal Light Department 155 Town of Brewster - Golf Course 112 Rowley Municipal Light Plant 156 Town of Bridgewater 113 Salem Parks & Recreation 157 Town of Brimfield 114 Shrewsbury Public Schools 158 Town of Buckland 115 Somerville Schools 159 Town of Carlisle 116 South Hadley Electric Light Department 160 Town of Carver 117 Southborough Public Schools 161 Town of Charlton 118 Spencer Town Clerk 162 Town of Chesterfield 119 Spencer Utilities & Facilities 163 Town of Clarksburg 120 Springfield Water and Sewer Commission 164 Town of Concord 121 Sterling Fire Department 165 Town of Conway 122 Sterling Municipal Light Department 166 Town of Dedham 123 Stoneham Public Schools 167 Town of Deerfield 124 Sudbury Public Schools 168 Town of Dennis 125 Summer Recreational Discovery Program 169 Town of Douglas 126 Swampscott Public Schools 170 Town of Dover 127 Town of Abington 171 Town of Dudley 128 Town of Acushnet 172 Town of Dunstable 129 Town of Adams 173 Town of East Longmeadow 130 Town of Agawam 174 Town of Easton 131 Town of Amesbury 175 Town of Edgartown 132 Town of Amherst 176 Town of Egremont Customer List 177 Town of Fairhaven 221 Town of Medway 178 Town of Franklin 222 Town of Mendon 179 Town of Georgetown 223 Town of Merrimac 180 Town of Grafton 224 Town of Middleborough 181 Town of Greenfield 225 Town of Middlefield 182 Town of Groton 226 Town of Middleton 183 Town of Groton - Clerk 227 Town of Millbury 184 Town of Groveland 228 Town of Millville 185 Town of Hadley 229 Town of Milton 186 Town of Halifax 230 Town of Milton Cemetery 187 Town of Hamilton 231 Town of Montague 188 Town of Hampden 232 Town of Monterey 189 Town of Hanover 233 Town of Montgomery 190 Town of Hanson 234 Town of Nahant 191 Town of Hardwick 235 Town of Nantucket 192 Town of Hatfield 236 Town of Natick 193 Town of Holbrook 237 Town of New Braintree 194 Town of Holden 238 Town of New Marlborough 195 Town of Holliston 239 Town of New Salem 196 Town of Hopedale 240 Town of Norfolk 197 Town of Hopkinton 241 Town of North Attleborough 198 Town of Hubbardston 242 Town of North Brookfield 199 Town of Hubbardston - Clerk 243 Town of North Reading 200 Town of Hudson 244 Town of Northbridge 201 Town of Huntington 245 Town of Northfield 202 Town of Ipswich 246 Town of Norton 203 Town of Kingston 247 Town of Norwell 204 Town of Lancaster 248 Town of Norwood 205 Town of Lanesborough 249 Town of Oak Bluffs 206 Town of Lee 250 Town of Oakham 207 Town of Leicester 251 Town of Orange 208 Town of Lenox 252 Town of Orange - 2010 Bicentennial 209 Town of Leverett 253 Town of Otis 210 Town of Lexington 254 Town of Palmer 211 Town of Lincoln 255 Town of Pelham 212 Town of Littleton 256 Town of Pembroke 213 Town of Longmeadow 257 Town of Pepperell 214 Town of Longmeadow School Department 258 Town of Peru 215 Town of Ludlow 259 Town of Phillipston 216 Town of Lunenburg 260 Town of Plymouth 217 Town of Manchester -by -the -Sea 261 Town of Princeton 218 Town of Mansfield 262 Town of Raynham 219 Town of Maynard 263 Town of Rehoboth 220 Town of Medfield 264 Town of Richmond Customer List 265 Town of Rockland 306 Town of West Springfield 266 Town of Rowley 307 Town of West Stockbridge 267 Town of Royalston 308 Town of Westborough 268 Town of Russell 309 Town of Westborough -Transfer Station Stickers 269 Town of Rutland 310 Town of Westford 270 Town of Salisbury 311 Town of Westford Water Department 271 Town of Saugus 312 Town of Westhampton 272 Town of Scituate 313 Town of Westminster 273 Town of Sherborn 314 Town of Weston 274 Town of Shrewsbury 315 Town of Westwood 275 Town of Shutesbury 316 Town of Weymouth 276 Town of South Hadley 317 Town of Whately 277 Town of Southborough 318 Town of Whitman 278 Town of Southbridge 319 Town of Wilbraham 279 Town of Southwick 320 Town of Williamsburg 280 Town of Spencer 321 Town of Williamstown 281 Town of Sterling 322 Town of Winchendon 282 Town of Stockbridge 323 Town of Winchester 283 Town of Stoneham 324 Town of Winchester - Clerk 284 Town of Stow 325 Town of Wrentham 285 Town of Sturbridge 326 Turners Falls Fire District 286 Town of Sudbury 327 Wannacomet Water Company 287 Town of Sunderland 328 Warren Water District 288 Town of Sutton 329 Wayland PS - Athletic Program 289 Town of Templeton 330 Wayland PS - Elementary Instrumental Music Prog 290 Town of Tisbury 331 Wayland PS - METCO Program 291 Town of Topsfield 332 Wayland PS - Private Music Lesson Program 292 Town of Townsend 333 Wayland PS - Transportation 293 Town of Tyngsborough 334 Wayland PS - WSCP Program 294 Town of Tyringham 335 Webster Public Schools 295 Town of Uxbridge 336 West Boylston Public Schools 296 Town of Wakefield 337 West Boylston Water District 297 Town of Wales 338 West Warren Water District 298 Town of Ware 339 Westborough Public Schools 299 Town of Warren 340 Westford - RTI 300 Town of Warwick 341 Westford Town Clerk 301 Town of Watertown 342 Westwood Public Schools 302 Town of Watertown - Clerk 343 Weymouth Water 303 Town of Webster 344 Whitinsville Water Company 304 Town of Wellfleet 345 Whittier Regional Vocational Technical H.S. 305 Town of Wenham 346 Wrentham Public Schools � A �O 7 fD �j � 7 n Cl) O (DD i Ul N co OD O _n � ^Z O O V O CD O D 'J r 0° U, � A �O 7 fD �j � 7 n Cl) O (DD i Ul N co OD 1 3dUH W;gpjGuj sj d *40wij,w WOdna sPnpold )IJed /4Ilg^O ;LANA vans vsn u! epLm 099 Gd# 5po}s r.'.,°. a9Ao dLI=l PIQ,j V F-. 8 * IUOJ C) r 'a Po 0 2. 0) ;m- 00 4- 3 21 (R K, ��o 3 w ri) r) ,r� XD rD rl m r) :3 to C) 00 00 w 3 1� 800 CD Pricing Proposal There are no fees to the Town of North Andover for the services described in this proposal. Fees will only be paid by consumers making payments by Credit Card on the UniPay Gold system. Our schedule of Credit Card fees is shown below. UniPay Gold Credit Card Fee Schedule *Fees assessed on a per transaction basis* Purchase Price From To Fee Amount $ 1.00 $ 99.99 $ 2.50 $ 100.00 $ 199.99 $ 5.00 $ 200.00 $ 399.99 $ 10.00 $ 400.00 $ 699.99 $ 17.50 $ 700.00 $ 1,099.99 $ 27.50 $ 1,100.00 $1,599.99 $ 40.00 $ 1,600.00 $ 2,299.99 $ 57.50 $ 2,300.00 $ 3,099.99 $ 77.50 $ 3,100.00 $ 3,999.99 $ 100.00 $ 4,000.00 $ 4,999.99 $ 125.00 $ 5,000.00 $ 6,099.99 $ 152.50 $ 6,100.00 $ 7,299.99 $ 182.50 $ 7,300.00 $ 8,599.99 $ 215.00 $ 8,600.00 $ 9,999.99 $ 250.00 $ 10,000.00 $ 11,999.99 $ 300.00 $ 12,000.00 $ 14,999.99 $ 375.00 $15,000.00 $19,999.99 $ 500.00 $ 20,000.00 $ 24,999.99 $ 625.00 $ 25,000.00 $ 29,999.99 $ 750.00 $ 30,000.00 $ 34,999.99 $ 875.00 $ 35,000.00 $ 39,999.99 $ 1,000.00 Pricing Proposal There are no fees to the Town of North Andover for the services described in this proposal. Fees will only be paid by consumers making payments by Credit Card on the UniPay Gold system. Our schedule of Credit Card fees is shown below. UniPay Gold Credit Card Fee Schedule Fees assessed on a per transaction basis` Purchase Price From To Fee Amount $ 1.00 $ 99.99 $ 2.50 $ 100.00 $ 199.99 $ 5.00 $ 200.00 $ 399.99 $ 10.00 $ 400.00 $ 699.99 $ 17.50 $ 700.00 $ 1,099.99 $ 27.50 $ 1,100.00 $ 1,599.99 $ 40.00 $ 1,600.00 $ 2,299.99 $ 57.50 $ 2,300.00 $ 3,099.99 $ 77.50 $ 3,100.00 $ 3,999.99 $ 100.00 $ 4,000.00 $ 4,999.99 $ 125.00 $ 5,000.00 $ 6,099.99 $ 152.50 $ 6,100.00 $ 7,299.99 $ 182.50 $ 7,300.00 $ 8,599.99 $ 215.00 $ 8,600.00 $ 9,999.99 $ 250.00 $10,000.00 $11,999.99 $ 300.00 $ 12,000.00 $ 14,999.99 $ 375.00 $ 15,000.00 $ 19,999.99 $ 500.00 $ 20,000.00 $ 24,999.99 $ 625.00 $ 25,000.00 $ 29,999.99 $ 750.00 $ 30,000.00 $ 34,999.99 $ 875.00 $ 35,000.00 $ 39,999.99 $ 1,000.00 Uni rank Pricing Proposal There are no fees to the Town of North Andover for the services described in this proposal. Fees will only be paid by consumers making payments by Credit Card on the UniPay Gold system. Our schedule of Credit Card fees is shown below. UniPay Gold Credit Card Fee Schedule *Fees assessed on a per transaction basis* Purchase Price From To Fee Amount $ 1.00 $ 99.99 $ 2.50 $ 100.00 $ 199.99 $ 5.00 $ 200.00 $ 399.99 $ 10.00 $ 400.00 $ 699.99 $ 17.50 $ 700.00 $ 1,099.99 $ 27.50 $ 1,100.00 $ 1,599.99 $ 40.00 $ 1,600.00 $ 2,299.99 $ 57.50 $ 2,300.00 $ 3,099.99 $ 77.50 $ 3,100.00 $ 3,999.99 $ 100.00 $ 4,000.00 $ 4,999.99 $ 125.00 $ 5,000.00 $ 6,099.99 $ 152.50 $ 6,100.00 $ 7,299.99 $ 182.50 $ 7,300.00 $ 8,599.99 $ 215.00 $ 8,600.00 $ 9,999.99 $ 250.00 $ 10,000.00 $ 11,999.99 $ 300.00 $ 12,000.00 $ 14,999.99 $ 375.00 $ 15,000.00 $ 19,999.99 $ 500.00 $ 20,000.00 $ 24,999.99 $ 625.00 $ 25,000.00 $ 29,999.99 $ 750.00 $ 30,000.00 $ 34,999.99 $ 875.00 $ 35,000.00 $ 39,999.99 $ 1,000.00 Unman/ Pricing Proposal There are no fees to the Town of North Andover for the services described in this proposal. Fees will only be paid by consumers making payments by Credit Card on the UniPay Gold system. Our schedule of Credit Card fees is shown below. UniPay Gold Credit Card Fee Schedule *Fees assessed on a per transaction basis' Purchase Price From To Fee Amount $ 1.00 $ 99.99 $ 2.50 $ 100.00 $ 199.99 $ 5.00 $ 200.00 $ 399.99 $ 10.00 $ 400.00 $ 699.99 $ 17.50 $ 700.00 $ 1,099.99 $ 27.50 $ 1,100.00 $ 1,599.99 $ 40.00 $ 1,600.00 $ 2,299.99 $ 57.50 $ 2,300.00 $ 3,099.99 $ 77.50 $ 3,100.00 $ 3,999.99 $ 100.00 $ 4,000.00 $ 4,999.99 $ 125.00 $ 5,000.00 $ 6,099.99 $ 152.50 $ 6,100.00 $ 7,299.99 $ 182.50 $ 7,300.00 $ 8,599.99 $ 215.00 $ 8,600.00 $ 9,999.99 $ 250.00 $ 10,000.00 $ 11,999.99 $ 300.00 $ 12,000.00 $ 14,999.99 $ 375.00 $15,000.00 $19,999.99 $ 500.00 $ 20,000.00 $ 24,999.99 $ 625.00 $ 25,000.00 $ 29,999.99 $ 750.00 $ 30,000.00 $ 34,999.99 $ 875.00 $ 35,000.00 $ 39,999.99 $ 1,000.00 UnWank Pricing Proposal There are no fees to the Town of North Andover for the services described in this proposal. Fees will only be paid by consumers making payments by Credit Card on the UniPay Gold system. Our schedule of Credit Card fees is shown below. UniPay Gold Credit Card Fee Schedule *Fees assessed on a per transaction basis* Purchase Price From To Fee Amount $ 1.00 $ 99.99 $ 2.50 $ 100.00 $ 199.99 $ 5.00 $ 200.00 $ 399.99 $ 10.00 $ 400.00 $ 699.99 $ 17.50 $ 700.00 $ 1,099.99 $2 7.50 $ 1,100.00 $1,599.99 $ 40.00 $ 1,600.00 $ 2,299.99 $ 57.50 $ 2,300.00 $ 3,099.99 $ 77.50 $ 3,100.00 $ 3,999.99 $ 100.00 $ 4,000.00 $ 4,999.99 $ 125.00 $ 5,000.00 $ 6,099.99 $ 152.50 $ 6,100.00 $ 7,299.99 $ 182.50 $ 7,300.00 $ 8,599.99 $ 215.00 $ 8,600.00 $ 9,999.99 $ 250.00 $10,000.00 $11,999.99 $ 300.00 $ 12,000.00 $ 14,999.99 $ 375.00 $15,000.00 $19,999.99 $ 500.00 $ 20,000.00 $ 24,999.99 $ 625.00 $ 25,000.00 $ 29,999.99 $ 750.00 $30,000.00 $34,999.99 $ 875.00 $ 35,000.00 $ 39,999.99 $ 1,000.00 Unibank