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diff --git a/sandbox/slaws/bank-challenge/bank-contribution/src/main/java/bank/impl/BankServiceImpl.java b/sandbox/slaws/bank-challenge/bank-contribution/src/main/java/bank/impl/BankServiceImpl.java
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+++ b/sandbox/slaws/bank-challenge/bank-contribution/src/main/java/bank/impl/BankServiceImpl.java
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+/*
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements.  See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership.  The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License.  You may obtain a copy of the License at
+ *
+ *   http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied.  See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package bank.impl;
+
+import java.util.ArrayList;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Random;
+
+import org.oasisopen.sca.annotation.Scope;
+import org.oasisopen.sca.annotation.Service;
+
+import bank.BankService;
+import bank.Statement;
+import bank.StockHolding;
+import bank.StockQuote;
+
+/**
+ * An implementation of the Bank service.
+ */
+@Service(BankService.class)
+@Scope("COMPOSITE")
+public class BankServiceImpl implements BankService {
+    
+    protected int initialCredit = 1000;
+    protected int overdrawnCost = 1;
+    protected int statementCost = 1;
+    protected int stockQuoteCost = 1;
+    protected int stockTransactionCost = 1;
+    
+    private List<StockQuote> stocks = new ArrayList<StockQuote>();
+    private List<Statement> accounts = new ArrayList<Statement>();
+    
+    private Random generator = new Random();
+    
+    private HashMap<String, StockQuote> stockMap = new HashMap<String, StockQuote>();
+    private HashMap<String, Statement> accountMap = new HashMap<String, Statement>();
+    
+    public BankServiceImpl(){
+        
+        // TODO - Data to come from composite file
+        // initial stocks
+        stocks.add(new StockQuote("ABC", 100));
+        stocks.add(new StockQuote("DEF", 123));
+        stocks.add(new StockQuote("GHI", 543));
+        
+        // initial users
+        accounts.add(new Statement("SL", null, 0, null));
+        accounts.add(new Statement("AE", null, 0, null));
+        accounts.add(new Statement("KG", null, 0, null));
+        
+        // create map for easy access
+        
+        for (StockQuote stock : stocks){
+            stockMap.put(stock.getStockCode(), stock);
+        }
+    }
+    
+    // public interface
+
+    public String createAccount(String customerName) {
+        for (Statement statement : accounts){
+            if (statement.getCustomerName().equals(customerName)){
+                accountMap.put(statement.getAccountID(), statement);
+                statement.getTransactions().add("account created");
+                statement.creditCashBalance(initialCredit, "starting balance");
+                return statement.getAccountID();
+            }
+        }
+        return "Customer Name Not Found";
+    }
+    
+    public Statement getStatement(String accountID) {
+        Statement statement = accountMap.get(accountID);
+        
+        if(statement != null){
+            statement.debitCashBalance(statementCost, "retrieved statement");
+            if (statement.getCashBalance() < 0){
+                statement.debitCashBalance(overdrawnCost, "account overdrawn");
+            }
+        }
+        return statement;
+    }
+    
+    public void buyEquity(String accountID, String equityCode, int number) {
+        updateStockPrices();
+        StockQuote stock = stockMap.get(equityCode);
+        
+        if (stock == null){
+            return;
+        }
+        
+        long cost = stock.getStockQuote() * number;
+        Statement statement = accountMap.get(accountID);
+        
+        if(statement != null){              
+            if (statement.getCashBalance() > cost){
+                StockHolding stockHolding = new StockHolding(equityCode, number, stock.getStockQuote());
+                statement.creditStockHolding(stockHolding);
+                statement.debitCashBalance(stockTransactionCost, "stock transaction (buy) " + equityCode);
+   
+            }
+        }
+    }
+    
+    public void sellEquity(String accountID, String equityCode, int number) {
+        updateStockPrices();
+        StockQuote stock = stockMap.get(equityCode);
+        
+        if (stock == null){
+            return;
+        }
+        
+        Statement statement = accountMap.get(accountID);
+        
+        if(statement != null){              
+            StockHolding stockHolding = new StockHolding(equityCode, number, stock.getStockQuote());
+            statement.debitStockHolding(stockHolding);
+            statement.debitCashBalance(stockTransactionCost, "stock transaction (sell) " + equityCode);
+        }  
+    }
+    
+    public StockQuote getStockQuote(String accountID, String equityCode) {
+            updateStockPrices();
+            Statement statement = accountMap.get(accountID);
+            StockQuote stockQuote = null;
+           
+            if(statement != null){
+                statement.debitCashBalance(stockQuoteCost, "stock quote");
+                if (statement.getCashBalance() < 0){
+                    statement.debitCashBalance(overdrawnCost, "account overdrawn");
+                }                
+                stockQuote = stockMap.get(equityCode);
+            }
+            
+            return stockQuote;
+    }
+    
+    public List<StockQuote> getAllStockQuotes(String accountID) {
+            updateStockPrices();
+            Statement statement = accountMap.get(accountID);
+            List<StockQuote> stockQuote = null;
+           
+            if(statement != null){
+                statement.debitCashBalance(stockQuoteCost * stocks.size(), "stock quote");
+                if (statement.getCashBalance() < 0){
+                    statement.debitCashBalance(overdrawnCost, "account overdrawn");
+                }                
+                stockQuote = stocks;
+            }
+            
+            return stockQuote;
+    }
+    
+    // private functions
+    
+    private void updateStockPrices(){
+        for (StockQuote stock : stocks){
+            long stockQuote = stock.getStockQuote();
+            stockQuote += (generator.nextInt(10) - 5);
+            stock.setStockQuote(stockQuote);
+        }
+    }
+}