DATE:-02\/12\/2015 <\/p>\n

 <\/p>\n

EMPANELMENT OF CONCURRENT AUDITORS <\/h2>\n

 <\/p>\n

Central Madhyapradesh Gramin Bank Intends to empanel
\nChartered Accountant firms for conducting concurrent audit work at below
\nmentioned branches: <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n S.no<\/p>\n<\/td>\n	\n Name of Branch<\/p>\n<\/td>\n	\n District<\/p>\n<\/td>\n	\n S.no<\/p>\n<\/td>\n	\n Name of Branch<\/p>\n<\/td>\n	\n District<\/p>\n<\/td>\n<\/tr>\n
\n 1<\/p>\n<\/td>\n	\n BAIRAGARH CHICHLI <\/p>\n<\/td>\n	\n BHOPAL<\/p>\n<\/td>\n	\n 27<\/p>\n<\/td>\n	\n BANKHEDI<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n<\/tr>\n
\n 2<\/p>\n<\/td>\n	\n VIDISHA<\/p>\n<\/td>\n	\n VIDISHA<\/p>\n<\/td>\n	\n 28<\/p>\n<\/td>\n	\n MURAR<\/p>\n<\/td>\n	\n GWALIOR<\/p>\n<\/td>\n<\/tr>\n
\n 3<\/p>\n<\/td>\n	\n MANDIDEEP<\/p>\n<\/td>\n	\n RAISEN<\/p>\n<\/td>\n	\n 29<\/p>\n<\/td>\n	\n SHOBHAPUR<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n<\/tr>\n
\n 4<\/p>\n<\/td>\n	\n PIPARIYA<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n 30<\/p>\n<\/td>\n	\n HANDIYA<\/p>\n<\/td>\n	\n HARDA<\/p>\n<\/td>\n<\/tr>\n
\n 5<\/p>\n<\/td>\n	\n BARRIER CHAURAHA<\/p>\n<\/td>\n	\n MORENA<\/p>\n<\/td>\n	\n 31<\/p>\n<\/td>\n	\n AMARAVAD<\/p>\n<\/td>\n	\n RAISEN<\/p>\n<\/td>\n<\/tr>\n
\n 6<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n 32<\/p>\n<\/td>\n	\n AMBEDKAR MARG- NEEMUCH<\/p>\n<\/td>\n	\n NEEMUCH<\/p>\n<\/td>\n<\/tr>\n
\n 7<\/p>\n<\/td>\n	\n CIVIL LINES VIDISHA<\/p>\n<\/td>\n	\n VIDISHA<\/p>\n<\/td>\n	\n 33<\/p>\n<\/td>\n	\n AMARWADA<\/p>\n<\/td>\n	\n CHHINDWARA<\/p>\n<\/td>\n<\/tr>\n
\n 8<\/p>\n<\/td>\n	\n M.M.HARDA<\/p>\n<\/td>\n	\n HARDA<\/p>\n<\/td>\n	\n 34<\/p>\n<\/td>\n	\n CHANDANGAON<\/p>\n<\/td>\n	\n CHHINDWARA<\/p>\n<\/td>\n<\/tr>\n
\n 9<\/p>\n<\/td>\n	\n BASODA<\/p>\n<\/td>\n	\n VIDISHA<\/p>\n<\/td>\n	\n 35<\/p>\n<\/td>\n	\n NOWROJABAAD<\/p>\n<\/td>\n	\n UMARIA<\/p>\n<\/td>\n<\/tr>\n
\n 10<\/p>\n<\/td>\n	\n DAMKHEDA<\/p>\n<\/td>\n	\n BHOPAL<\/p>\n<\/td>\n	\n 36<\/p>\n<\/td>\n	\n CHAMARI<\/p>\n<\/td>\n	\n SIVNI<\/p>\n<\/td>\n<\/tr>\n
\n 11<\/p>\n<\/td>\n	\n BUS STAND BHIND<\/p>\n<\/td>\n	\n BHIND<\/p>\n<\/td>\n	\n 37<\/p>\n<\/td>\n	\n LAKHNADAUN<\/p>\n<\/td>\n	\n SIVNI<\/p>\n<\/td>\n<\/tr>\n
\n 12<\/p>\n<\/td>\n	\n EVE.RASULIA<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n 38<\/p>\n<\/td>\n	\n NAVGAJA<\/p>\n<\/td>\n	\n UMARIA<\/p>\n<\/td>\n<\/tr>\n
\n 13<\/p>\n<\/td>\n	\n SEONI MALWA<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n 39<\/p>\n<\/td>\n	\n INDARGARH<\/p>\n<\/td>\n	\n DATIA<\/p>\n<\/td>\n<\/tr>\n
\n 14<\/p>\n<\/td>\n	\n DEVARI<\/p>\n<\/td>\n	\n RAISEN<\/p>\n<\/td>\n	\n 40<\/p>\n<\/td>\n	\n PORSA<\/p>\n<\/td>\n	\n MORENA<\/p>\n<\/td>\n<\/tr>\n
\n 15<\/p>\n<\/td>\n	\n PACHMADI<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n 41<\/p>\n<\/td>\n	\n BARODA<\/p>\n<\/td>\n	\n SHYOPUR<\/p>\n<\/td>\n<\/tr>\n
\n 16<\/p>\n<\/td>\n	\n OLD ITARASI<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n 42<\/p>\n<\/td>\n	\n BHIND<\/p>\n<\/td>\n	\n BHIND<\/p>\n<\/td>\n<\/tr>\n
\n 17<\/p>\n<\/td>\n	\n GANJ<\/p>\n<\/td>\n	\n VIDISHA<\/p>\n<\/td>\n	\n 43<\/p>\n<\/td>\n	\n UMARI<\/p>\n<\/td>\n	\n BHIND<\/p>\n<\/td>\n<\/tr>\n
\n 18<\/p>\n<\/td>\n	\n C.P.COLONY<\/p>\n<\/td>\n	\n GWALIOR<\/p>\n<\/td>\n	\n 44<\/p>\n<\/td>\n	\n MALANPUR<\/p>\n<\/td>\n	\n BHIND<\/p>\n<\/td>\n<\/tr>\n
\n 19<\/p>\n<\/td>\n	\n BALAGHAT<\/p>\n<\/td>\n	\n BALAGHAT<\/p>\n<\/td>\n	\n 45<\/p>\n<\/td>\n	\n JABALPUR<\/p>\n<\/td>\n	\n JABALPUR<\/p>\n<\/td>\n<\/tr>\n
\n 20<\/p>\n<\/td>\n	\n BANAPURA-HBD<\/p>\n<\/td>\n	\n HOSHANGABAD<\/p>\n<\/td>\n	\n 46<\/p>\n<\/td>\n	\n SALAMATPUR<\/p>\n<\/td>\n	\n RAISEN<\/p>\n<\/td>\n<\/tr>\n
\n 21<\/p>\n<\/td>\n	\n SIRONJ<\/p>\n<\/td>\n	\n VIDISHA<\/p>\n<\/td>\n	\n 47<\/p>\n<\/td>\n	\n GUDAVAL<\/p>\n<\/td>\n	\n RAISEN<\/p>\n<\/td>\n<\/tr>\n
\n 22<\/p>\n<\/td>\n	\n SILWANI<\/p>\n<\/td>\n	\n RAISEN<\/p>\n<\/td>\n	\n 48<\/p>\n<\/td>\n	\n MANGLIPETH<\/p>\n<\/td>\n	\n SIWNI<\/p>\n<\/td>\n<\/tr>\n
\n 23<\/p>\n<\/td>\n	\n MANDLA<\/p>\n<\/td>\n	\n MANDLA<\/p>\n<\/td>\n	\n 49<\/p>\n<\/td>\n	\n KALAKHET<\/p>\n<\/td>\n	\n MANDSAUR<\/p>\n<\/td>\n<\/tr>\n
\n 24<\/p>\n<\/td>\n	\n UDAIPURA<\/p>\n<\/td>\n	\n RAISEN<\/p>\n<\/td>\n	\n 50<\/p>\n<\/td>\n	\n JAORA<\/p>\n<\/td>\n	\n RATLAM<\/p>\n<\/td>\n<\/tr>\n
\n 25<\/p>\n<\/td>\n	\n SALAPURA-sheopur<\/p>\n<\/td>\n	\n SHYOPUR<\/p>\n<\/td>\n	\n 51<\/p>\n<\/td>\n	\n HEADOFFICE<\/p>\n<\/td>\n	\n CHHINDWARA<\/p>\n<\/td>\n<\/tr>\n
\n 26<\/p>\n<\/td>\n	\n NEW-BARONDA<\/p>\n<\/td>\n	\n SHAHDOL <\/p>\n<\/td>\n	\n  <\/p>\n<\/td>\n	\n  <\/p>\n<\/td>\n	\n  <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n  The number of branches may increase or decrease as per \nthe requirement of Bank and Bank reserve the  \nsole discretion in this regard. <\/p>\n Chartered Accountant firms interested in empanelment for \nconducting concurrent audit may submit their applications in the enclosed \nformat along with necessary certificates\/documents latest by 15-December-2015 \nby 05.00 pm to <\/p>\n General Manager(Audit& Insp.Dept) <\/p>\n CENTRAL MADHYAPRADESH GRAMIN BANK <\/h3>\n Head Office:800\/19,South Civil Lines <\/p>\n CHHINDWARA(M.P.)480001 <\/p>\n  <\/p>\n All the application must be sent in a sealed envelope \ncontaining all necessary certificates\/documents. The sealed envelope must be \nsuperscribed as “APPLICATION FOR EMPANELMENT OF CONCURRENT \nAUDITOR-2015-16” <\/p>\n  <\/p>\n Merely meeting the eligibility criteria doesn’t entitle \nChartered Accountants firm for empanelment. Bank reserves the Sole discretion \nfor empanelment of Chartered accountant firms. The Bank reserves the right to \nreject any or all the applications without assigning any reason there of. <\/p>\n  ELIGIBILITY CRITERIA FOR EMPANELMENT <\/span><\/p>\n  Applications from firms of Chartered Accountants is invited \nwith the following eligibility criteria location-wise:-<\/p>\n For District Head \nQuarter Branches\/HO departments<\/strong> <\/h3>\n \u2022 Professional Standing: More than 3 years(certificate to be \nenclosed) <\/p>\n \u2022 Partnership Firms Only(Partnership deed to be enclosed) <\/p>\n \u2022 Of which FCA\/ s at least: 1(certificate to be enclosed) <\/p>\n \u2022 &DISA or CISA :1(certificate to be enclosed) <\/p>\n \u2022 Experience as Concurrent Auditors or Statutory Auditors in \nminimum 3 Public Sector Banks(certificate to be enclosed) <\/p>\n \u2022 Experience of the Firm only as Statutory and Concurrent \nAuditors is to be taken and not that of individual partner shall be \ncounted(certificate to be enclosed)<\/p>\n  For Branches other \nthan above<\/strong><\/h3>\n \u2022 Professional Standing:More than 2 years(certificate to be \nenclosed) <\/p>\n \u2022 Partnership\/proprietorship firms only(certificate to be \nenclosed) <\/p>\n \u2022 Experience as Concurrent Auditors or Statutory Auditors in \nat least 1 Public Sector Bank(Certificate to be enclosed) <\/p>\n \u2022 Experience of the Firm only as Statutory and Concurrent \nAuditors is to be taken and not that of individual partner shall be \ncounted(Certificate to be enclosed) <\/p>\n  1. The firm should be having Chartered Accountant(s) as \npartner(s)\/proprietor.<\/p>\n 2. The assignment of concurrent auditor shall be given \ninitially for the period of one year. <\/p>\n 3. On completion of the yearly assignment, The concurrent \nAuditors may be re-appointed for a further period of one year on each occasion \ndepending upon their performance. <\/p>\n 4. The firm or its proprietor\/partners have not been the \nsubject of inquiries in the past by the Institute of Chartered Accounts of \nIndia as per the provisions of Section 21 of the Chartered Accountants \nAct,1949, and no such inquiry is pending , initiated , or contemplated by the \nInstitute as on the date of application as well as date of acceptance of \nassignment <\/p>\n 5. If Any serious acts of omissions or commissions are \nnoticed in the working of concurrent auditors their appointments shall be \ncancelled and the fact shall be reported to NABARD and ICAI. <\/p>\n 6. Where there are group of firms of Chartered Accountants \nhaving common partners, only one of the firms in the group will be eligible for \nassignment of concurrent audit <\/p>\n 7. The firm would normally be allotted concurrent audit of \nonly one branch of the bank <\/p>\n 8. Besides Chartered Accountants, the firm should have other \nqualified and experienced staff, infrastructure and office within an \napproachable distance from the location of the auditee branch\/office to \nundertake concurrent audit <\/p>\n 9. The firm which conducts Statutory Audit of the bank shall \nnot be considered for appointment as concurrent auditor by the bank during that \nyear and the next year <\/p>\n 10. The firm which has a partner\/proprietor who is also \npartner\/proprietor of the firm entrusted with the Statutory Audit of the bank \nshall not be considered for appointment as concurrent auditors in the bank. In \nother words, sister\/ associate concerns of the firm carrying Statutory Audit of \nthe bank shall not be considered for appointment as concurrent auditors of the \nbank. (Undertaking should be attached) 11. If any of the Directors of the bank \nis a partner\/proprietor in a firm, such firm shall not be considered for appointment \nas concurrent auditor <\/p>\n 12. In case the performance of the concurrent auditor falls \nshort of the expectation of the management or Audit Committee of Board, the \nbank shall terminate the assignment of the concurrent auditor at any time. <\/p>\n 13. After completion of assignment, the firm may be \nconsidered for audit assignment in other locations or areas. This will be \npurely at the discretion of the bank and no rights whatsoever shall accrue to \nthe firm for such assignment<\/p>\n 14. At any one point of time, not more than one audit \nassignment would be awarded to a firm. An audit assignment that needs to be \ncarried out across the branches\/units at different locations would be \nconsidered as a single assignment for this purpose <\/p>\n OTHER TERMS AND CONDITIONS <\/h3>\n 1. The Chartered accountant firm would be responsible to \nexamine and comment on all the areas specified by the Bank\/RBI\/NABARD with \nregard to audit of the branches. <\/p>\n 2. Concurrent Audit work of a branch would include interalia \nincome leakage,verification audit,comments on internal checks,counter \nchecks,system and procedures,documentation, securities,Physical verification of \nassets financed by the bank on random basis and any other special audit \nassignments. <\/p>\n 3. The CA firm would do the audit work themselves and may \ndepute an experienced employee\/article to the branch for the purpose,who should \nvisit the branch on all working days. The partner shall visit the branch at \nleast on 5 working days in a month.<\/p>\n  4. Franchise of the \nAudit work will not be permitted under any circumstances. Reporting of such \nevents may result in de-empanelment of the firm and its constituents. <\/p>\n 5. The CA firm or any of its employee shall not,without the \nBank’s written consent,disclose the terms of acceptance or any provision \nthereof or any specification or information furnished by the or on behalf of \nthe bank in connection therewith,to other person or entity unless legally \nrequired to do so. <\/p>\n 6. The empanelled CA firms selected for the assignment of \nconcurrent audit work for a particular branch would be given an offer letter \nalong with the terms and conditions of conducting the concurrent Audit. On \nreceipt of their acceptance of the Bank’s offer they will be given an \nappointment letter. <\/p>\n 7. The auditor must strictly adhere to the schedule,as may \nbe specified in the in the letter of offer for performing the assignment \nincluding submission of reports. <\/p>\n 8. The bank shall have the right to assign any concurrent \naudit assignment and terminate the arrangement without assigning any reason at \nits sole discretion. <\/p>\n 9. The audit firm appointed as branch statutory auditor \n\/Central statutory auditor for the bank for the financial year 2015-16 will \nbecome ineligible for the Concurrent Audit work. <\/p>\n 10. The bank reserve its right not to accept any or all the \nproposals,or to accept or reject a particular proposal at its sole \ndiscretion,without assigning any reasons whatsoever.<\/p>\n 11. Any document,Other than the offer itself,remain the \nproperty of the bank and all copies thereof shall be returned to the Bank on \ncompletion of assignment ,if required by the bank. <\/p>\n 12. The auditor shall not ,without the bank’s prior written \nconsent ,make use of any of the Bank’s any document or information except for \nthe purposes of performing the assignment. <\/p>\n 13. When there are common partner in more than one firm \n,only one of the firms would be considered for the empanelment. <\/p>\n PERFORMANCE REVIEW<\/span> <\/h3>\n  The performance of the empanelled Concurrent Audit Firms \nwould be reviewed on monthly basis mainly with the following yardsticks:<\/p>\n 1. Quality of Audit Reports <\/p>\n 2. Timely completion of audit assignment and submission of \nreport <\/p>\n 3. Effort taken for on the spot rectification of \nirregularities<\/p>\n  4. Making the staff \naware about the implication of deficiencies\/irregularities pointed out. <\/p>\n 5. Detection of Income Leakage. <\/p>\n 6. Level of compliance of various statutory\/Legal\/Bank’s \nlaid down system and procedure of the branch. 7. Any other parameters which the \nbank may decide\/determine from time to time. <\/p>\n 8. Branch visiting by Article\/Partner\/Proprietor as per \nnorms. <\/p>\n  DE-EMPANELMENT<\/span><\/p>\n  The Bank reserves the right to de-empanelment of firm of \nChartered accountant as its sole discretion without giving any reason \nwhatsoever.<\/p>\n  PROCESS OF EMPANELLEMNT <\/span><\/p>\n  The interested firms will have to submit request for \nempanelment on the enclosed application form .The proposal will be opened and \nshortlisted on the basis of eligibility criteria as mentioned in this document. \nThese firms would further be evaluated on the basis of other criteria as may be \ndetermined by the bank.<\/p>\n  DOCUMENT TO BE SUBMITTED WITH THE APPLICATION <\/span><\/h3>\n  The CA firm shall submit the following documents along with \nthe application:<\/p>\n 1. Hard Copy of the Application <\/p>\n 2. Acceptance of the terms and conditions as stipulated vide \nthis document <\/p>\n 3. Copies of letter of empanelment by any other banks.<\/p>\n 4. Copies of certificate of experience and conduct of \nConcurrent Audit in relation to similar assignments performed,in other banks if \nany. <\/p>\n 5. Copies of Certificate issued by the professional bodies \nin respect of relevant qualification of professionals as reported in the \napplication. <\/p>\n 6. Undertaking about not carrying statutory audit of CMPGB. <\/p>\n 7. Undertaking about not any director of CMPGB is \npartner\/proprietor in the firm, <\/p>\n  VALIDITY OF PROPOSAL<\/span><\/p>\n  The proposal for empanelment shall be valid for a period of \n3 months from the closing date for acceptance of the proposal.<\/p>\n FORMAT AND SIGNING OF PROPOSAL<\/span> <\/p>\n  Each proposal shall be made in the legal name of the \nparticipating firm and shall be signed and duly stamped by the person duly \nauthorized to sign on behalf of the participating firm. An authority from the \nparticipating firm to this effect is to be submitted along with the proposal.<\/p>\n  EVALUATION 85 COMPARISION OF PROPOSALS<\/span><\/p>\n  Only proposals from CA Firms meeting the eligibility \ncriteria and submitting complete and responsive information will proceed to the \nstage of being evaluated and considered.<\/p>\n Merely meeting the eligibility criteria would not \nautomatically entitle the firm for empanelment.The Firms to be kept on the \npanel would be at the sole discretion of the Bank. <\/p>\n The bank reserves the right to reject any or all the offers \nwithout assigning any reasons. The evaluation procedures to be adopted for the \nempanelment will be the sole discretion of the bank and bank is not liable to \ndisclose either the criteria or the evaluation report\/reasoning to the \nparticipating firm(s). <\/p>\n  INFORMATION OF EMPANELMENT<\/span><\/p>\n  If empanelled, The information in this regard shall be sent \nto the empanelled firms at the address provided in the application form or the \nlast known address. Any change of address of the participating firm should \ntherefore be promptly notified to the GENERAL MANAGER(A85ID) CENTRAL \nMADHYAPRADESH GRAMIN BANK, HEAD OFFICE, 800 \/ 19 , CHHINDWARA-480 00 1 (M . P.)<\/p>\n  CONFIDENTIALITY AGREEMENT\/UNDERTAKING<\/span><\/p>\n  As the firms selected for empanelment shall have the access \nto the date and information of the bank while conducting the concurrent audit \nof the various branches,Bank will require the Firm(s) to sign a confidentiality \nagreement\/undertaking for not disclosing or part with any information relating \nto the bank and its data to any persons,as may come into possession of the firm(s) \nduring the course of audit.<\/p>\n  TENDERING OF ACCEPTANCE<\/span><\/p>\n  The successful firm(s) shall be required to give an \nacceptance to the Bank containing the terms and conditions as may be determined \nby the bank to be necessary for the due performance of the work on receipt of \nthe offer for conducting audit(s) of branch(es) with in a maximum of \nfifteen(15) days from the date of receipt of offer letter.<\/p>\n  INDEMNIFICATION<\/span><\/p>\n  The auditors shall,at their own expense,defend and indemnify \nthe Bank against any claims due to loss of data\/ damage to arising as a \nconsequence of their conducting audit of the branch\/office.<\/p>\n  DELAY IN THE AUDITOR’S PERFORMANCE<\/span><\/p>\n  The auditors must strictly adhere to the implementation \nschedule,as specified in the letter of undertaking for submission of reports \nfailing which the Bank may resort to termination of the assignment and \nempanelment.<\/p>\n  REMUNERATION<\/span><\/h3>\n  Fees shall be payable to CA firms on the basis of average \nbusiness figure of the branch for the previous 2 financial years only(104 \nweeks).The present fee structure is as follows:<\/p>\n\n\n\n\n\n\n \n Average Business of the Branch(for Last 104 weeks) for \n previous 2 financial years<\/p>\n<\/td>\n \n Remuneration payable per month<\/p>\n<\/td>\n<\/tr>\n \n Above Rs. 50 Crore<\/p>\n<\/td>\n \n Rs.11000\/- + Service Tax<\/p>\n<\/td>\n<\/tr>\n \n From Rs.35 Crore to 50 Crore<\/p>\n<\/td>\n \n Rs.9000\/- + Service Tax<\/p>\n<\/td>\n<\/tr>\n \n Below Rs. 35 Crores<\/p>\n<\/td>\n \n Rs.8000\/- + Service Tax <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n  <\/p>\n PAYMENT TERMS<\/span><\/h3>\n  The audit fee shall be paid to the concurrent audit firm on \nsubmission of the relevant audit reports and the relevant Bill along with the \nsupported documents.<\/p>\n This payment will be subject to deduction of prevailing\/ \napplicable T.D.S. <\/p>\n  DISCIPLINARY ACTION FOR PROFESSIONAL MISCONDUCT<\/span><\/p>\n  The Audit firm shall be subject to Disciplinary Rules as \nenumerated in section(21) of the Chartered accountants act 1949.<\/p>\n <\/p>\n Download Complete Application<\/a><\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" DATE:-02\/12\/2015   EMPANELMENT OF CONCURRENT AUDITORS   Central Madhyapradesh Gramin Bank Intends to empanel Chartered Accountant firms for conducting concurrent audit work at below mentioned branches: S.no Name of Branch District S.no Name of Branch District 1 BAIRAGARH CHICHLI BHOPAL 27 BANKHEDI HOSHANGABAD 2 VIDISHA VIDISHA 28 MURAR GWALIOR 3 MANDIDEEP RAISEN 29 SHOBHAPUR HOSHANGABAD … Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[13],"tags":[94],"class_list":["post-1628","post","type-post","status-publish","format-standard","hentry","category-opportunities","tag-audit"],"yoast_head":"\n