,i  #aad? ,,congress  #a/ ,session  ,h4 
,r4 #ajca  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,febru>y #bd1 #bjae   
,ms4 ,max9e ,wat]s ( ,cali=nia 7=       
h]self1 ,mr4 ,heck ( ,wa%+ton1 ,ms4     
,moore1 & ,mr4 ,hoy]7 introduc$ ! foll[+
 bill2 :i* 0 ref]r$ to ! ,committee on  
,f9ancial ,s]vices  ,a ,,bill  ,to      
reau?orize ! ,export-,import ,bank ( !  
,unit$ ,/ates1 & = o!r purposes4  #a4   
,%ort title ,?is ,act may be cit$ z !   
,promot+ ,u4,s4 ,jobs ,?r\gh ,exports   
,act ( #bjae4  #b4 ,table ( cont5ts ,!  
table ( cont5ts ( ?is ,act is z foll[s3 
,sec4 #a4 ,%ort title4 ,sec4 #b4 ,table 
( cont5ts4 ,title ,i--,,reau?orization  
,,( ,,! ,,export-,,import ,,bank ,sec4  
#aja4 ,limitations on out/&+ loans1     
gu>antees1 & insurance4 ,sec4 #ajb4     
,ext5sion ( au?ority4 ,sec4 #ajc4       
,reau?orization ( ! ,sub-,sah>an ,africa
 ,advisory ,committee4 ,sec4 #ajd4      
,reau?orization ( dual use exports4     
,title ,,ii--,,exp&+ ,,bank ,,support   
,,= ,,unit$ ,,/ates ,,exports ,sec4     

#bja4 ,recomm5dations to increase small 
bus9ess outrea*4 ,sec4 #bjb4 ,te*nical  
assi/ance = small bus9esses4 ,sec4 #bjc4
 ,exposure limit e/imates4 ,sec4 #bjd4  
,small bus9ess & m$ium-siz$ ent]prises  
reports4 ,sec4 #bje4 ,m$ium-siz$        
ent]prises4 ,sec4 #bjf4 ,p>ticipation & 
risk-%>+ by private sector l5d]s4 ,sec4 
#bjg4 ,risk-%>+ arrangem5ts4 ,sec4 #bjh4
 ,promot+ r5ewable en]gy exports4 ,title
 ,,iii-- ,,e?ics ,,& ,,fraud ,,controls 
,sec4 #cja4 ,codify+ ! role ( ! ,*ief   
,risk ,(fic]4 ,sec4 #cjb4 ,reports on   
e?ics requirem5ts ( ! ,bank4 ,sec4 #cjc4
 ,employee f9ancial disclosures4 ,sec4  
#cjd4 ,supplem5tal e?ics regulations4   
,sec4 #cje4 ,annual employee            
c]tifications4 ,title ,,iv--,,enhanc+   
,,ext]nal ,,audits ,,& ,,reviews ,sec4  
#dja4 ,enhanc$ audit controls4 ,sec4    
#djb4 ,indep5d5t evaluation ( ,bank     
portfolio4 ,sec4 #djc4 ,ext]nal review (
 fraud controls4 ,title ,v--,,/r5g!n+   
,,project ,,monitor+ ,,& ,,due          
,,dilig5ce ,sec4 #eja4 ,enhanc$ monitor+

 & due dilig5ce = /ructur$ & project    
f9ance transactions4 ,sec4 #ejb4        
,monitor+ plans & po/-approval          
assessm5ts = /ructur$ & project f9ance  
transactions4 ,sec4 #ejc4 ,res]v+ ! "r (
 inspection4 ,title ,,vi--,,mod]nization
 ,,( ,,bank ,,sy/ems ,sec4 #fja4        
,electronic paym5ts & docum5ts4 ,sec4   
#fjb4 ,reau?orization ( in=mation       
te*nology updat+4 ,sec4 #fjc4 ,in=mation
 te*nology mod]nization4 ,sec4 #fjd4    
,mod]niz+ ! disclosure ( environm5tal   
reports4 ,title ,,vii--,,level+ ,,!     
,,play+ ,,field ,,= ,,unit$ ,,/ates     
,,export]s ,sec4 #gja4 ,level+ ! play+  
field = ,unit$ ,/ates export]s4 ,sec4   
#gjb4 ,prohibit+ illegal support ( =eign
 exports4  ,i ,,reau?orization ,,( ,,!  
,,export-,,import ,,bank  #aja4         
,limitations on out/&+ loans1 gu>antees1
 & insurance ,section #f7;a77#b7 ( !    
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce;e7a77#b77 is am5d$ to    
read z foll[s3  7#b7 ,applicable am\nt  
,9 p>agraph 7#a71 ! t]m applicable am\nt

 means1 = fiscal ye> #bjae1             
#adj1jjj1jjj1jjj1 except t-- 7,a7 !     
applicable am\nt = ea* ( fiscal ye>s    
#bjaf & #bjag %all be #ade1jjj1jjj1jjj  
if ! rate calculat$ "u section          
#h7;g77#a7 ( ?is ,act is less ?an #b    
p]c5t = ! qu>t] end+ ) ! beg9n+ ( !     
fiscal ye>1 or = any qu>t] 9 ! fiscal   
ye>2  7,b7 not)/&+ subp>agraph 7,a71 !  
applicable am\nt = fiscal ye>s #bjah &  
#bjai %all be #aej1jjj1jjj1jjj if ! rate
 calculat$ "u section #h7;g77#a7 ( ?is  
,act is less ?an #b p]c5t = ! qu>t] end+
 ) ! beg9n+ ( ! fiscal ye>1 or = any    
qu>t] 9 ! fiscal ye>2  7,c7 not)/&+     
subp>agraphs 7,a7 & 7,b71 ! applicable  
am\nt = fiscal ye>s #bjbj & #bjba %all  
be #aee1jjj1jjj1jjj if ! rate calculat$ 
"u section #h7;g77#a7 ( ?is ,act is less
 ?an #b p]c5t = ! qu>t] end+ ) ! beg9n+ 
( ! fiscal ye>1 or = any qu>t] 9 !      
fiscal ye>2 &  7,d7 not)/&+ subp>agraphs
 7,a71 7,b71 & 7,c71 ! applicable am\nt 
= fiscal ye> #bjbb & !reaft] %all be    
#afj1jjj1jjj1jjj if ! rate calculat$ "u 

section #h7;g77#a7 ( ?is ,act is less   
?an #b p]c5t = ! qu>t] end+ ) ! beg9n+ (
 ! fiscal ye>1 or = any qu>t] 9 ! fiscal
 ye>4  4  #ajb4 ,ext5sion ( au?ority    
,section #g ( ! ,export-,import ,bank   
,act ( 7#ab ,u4,s4,c4 #fce;f7 is am5d$  
by /rik+ #bjad & ins]t+ #bjbb4  #ajc4   
,reau?orization ( ! ,sub-,sah>an ,africa
 ,advisory ,committee ,section          
#b7;b77#i77;,b77iii7 ( ! ,export-,import
 ,bank ,act ( #aide 7#ab ,u4,s4,c4      
#fce7;b77#i77;,b77iii77 is am5d$ by     
/rik+ ,septemb] #cj1 #bjad & ins]t+ !   
date set =? 9 section #g4  #ajd4        
,reau?orization ( dual use exports      
,section #a ( ,public ,law #ajc-dbh 7#ab
 ,u4,s4,c4 #fce note2 #ajh ,/at4 #dcgf7 
is am5d$ by /rik+ subsection 7c74  ,,ii 
,,exp&+ ,,bank ,,support ,,= ,,unit$    
,,/ates ,,exports  #bja4 ,recomm5dations
 to increase small bus9ess outrea*      
,section #c7;d7 ( ! ,export-,import     
,bank ,act ( #aide 7#ab ,u4,s4,c4       
#fce;a7d77 is am5d$ by add+ at ! end !  
foll[+3  7#f7  7,a7 ,! ,advisory        

,committee %all make recomm5dations to !
 ,bank on ways to enc\rage increas$     
p>ticipation by private f9ancial        
in/itutions 9 provid+ outrea* ab\t !    
,bank to small bus9ess conc]ns4  7,b7 ,!
 ,bank %all-- 7i7 review all            
recomm5dations made by ! ,advisory      
,committee "u ?is p>agraph & implem5t a 
program to exp& outrea* ab\t ! ,bank to 
small bus9ess conc]ns ?r\gh increas$    
p>ticipation by private banks2 &  7ii7  
enc\rage comm]cial banks1 community     
banks1 & insurance brok]s to exp& _!    
outrea* ab\t ! ,bank to small bus9ess   
conc]ns4  4  #bjb4 ,te*nical assi/ance =
 small bus9esses ,section               
#b7;b77#a77;,e77i7 ( ! ,export-,import  
,bank ,act ( #aide 7#ab ,u4,s4,c4       
#fce7;b77#a77;,e77i77 is am5d$ by add+  
at ! end ! foll[+3  7,,iii7 ,! ,bank    
%all provide te*nical assi/ance to small
 bus9esses on h[ to apply = f9ancial    
assi/ance provid$ by ! ,bank 7su* z     
?r\gh tra9+ classes & onl9e web9>s74  4 
#bjc4 ,exposure limit e/imates ,section 

#h ( ! ,export-,import ,bank ,act (     
#aide 7#ab ,u4,s4,c4 #fce;g7 is am5d$ by
 add+ at ! end ! foll[+3  7k7 ,exposure 
limit e/imates ,! ,bank %all include 9  
its annual report to ! ,congress "u     
subsection 7a7-- 7#a7 an e/imate ( !    
anticipat$ dem& = ! loan1 gu>antee1 &   
insurance programs ( ! ,bank = ! #b     
succe$+ ye>s1 disaggregat$ by--  7,a7   
indu/ry sector2  7,b7 :e!r ! products   
involv$ are %ort-t]m loans1 m$ium-t]m   
loans1 long-t]m loans1 insurance1       
m$ium-t]m loans gu>antees1 or long-t]m  
gu>antees2 &  7,c7 key m>ket2  7#b7 a   
ju/ification = ! e/imate describ$ 9     
p>agraph 7#a7 includ+ a discussion ( !  
factors :i* w\ld c\ld increase or       
decrease dem& = ! products ( ! ,bank2   
7#c7 an analysis ( ! ability ( ! ,bank  
to meet its m&ates ) respect to small   
bus9ess1 sub-,sah>an ,africa1 & r5ewable
 en]gy "u ! e/imat$ exposure limit      
describ$ 9 p>agraph 7#a72 &  7#d7 an    
analysis ( ! adequacy ( ! adm9i/rative &
 programmatic res\rces ( ! ,bank to     

effectively process1 approve1 & monitor 
au?orizations1 includ+ ! conduct+ (     
requir$ economic impact analyses &      
environm5tal assessm5ts1 "u ! propos$   
exposure limit4  4  #bjd4 ,small bus9ess
 & m$ium-siz$ ent]prises reports  7a7 ,9
 g5]al ,! ,export-,import ,bank ,act (  
#aide 7#ab ,u4,s4,c4 #fce et seq47 is   
am5d$ by ins]t+ aft] section #h;,a !    
foll[+3  #h;,b4 ,small bus9ess conc]ns &
 m$ium-siz$ ent]prises reports  7a7     
,/udy ,n lat] ?an #cfj days aft] ! date 
( ! enactm5t ( ?is section1 & annually  
!reaft]1 ! ,bank %all--  7#a7 c>ry out a
 /udy on ! f9ancial programs & products 
( ! ,bank t support exports f small     
bus9ess conc]ns & ent]prises t use1 or  
seek to use1 ! m$ium-t]m programs (f]$  
by ! ,bank1 includ+ ! programs &        
products1 ) respect to ! implem5tation (
 ! export cr$it insurance program1      
delegat$ l5d+ au?ority1 & direct loans (
 ! ,bank2 &  7#b7 det]m9e ! ext5t to :i*
 f9ancial programs & products adequately
 meet ! ne$s ( small bus9ess conc]ns &  

ent]prises t use1 or seek to use1 !     
m$ium-t]m programs (f]$ by ! ,bank 9    
obta9+ ,bank f9anc+ to support !        
ma9t5ance or creation ( jobs 9 ! ,unit$ 
,/ates ?r\gh exports1 consi/5t ) !      
policies ( ! ,bank & ! requirem5t t !   
,bank obta9 a reasonable assurance (    
repaym5t4  7b7 ,report ,on ! completion 
( ! /udy requir$ "u subsection 7a71 !   
,bank %all issue a report to ! ,congress
 conta9+--  7#a7 all f9d+s &            
det]m9ations made by ! ,bank 9 c>ry+ out
 ! /udy2  7#b7 an analysis ( ! ext5t to 
:i* small bus9ess conc]ns & ent]prises t
 use1 or seek to use ! m$ium-t]m        
programs (f]$ by ! ,bank supply export]s
 ) goods & s]vices1 ! cont5t ( :i* is   
includ$ 9 exports support$ by a ,bank   
program2 &  7#c7 recomm5dations to      
enhance ! support ! ,bank may provide   
small bus9ess conc]ns & ent]prises t    
use1 or seek to use1 ! m$ium-t]m        
programs (f]$ by ! ,bank4  7c7 ,small   
bus9ess conc]n def9$ ,9 ?is section1 !  
t]m small bus9ess conc]n has ! mean+    

giv5 ! t]m "u section #c7;a7 ( ! ,small 
,bus9ess ,act4  4  7b7 ,report on bank  
support = small- & m$ium-,siz$ companies
 ?r\gh supply *a9s ,section #h ( su*    
,act 7#ab ,u4,s4,c4 #fce;g71 z am5d$ by 
section #bjc ( ?is ,act1 is am5d$ by    
add+ at ! end ! foll[+3  7l7 ,bank      
support = small- & m$ium-,siz$ companies
 ?r\gh supply *a9s ,= all transactions  
subject to congressional notification1 !
 ,bank %all collect in=mation on !      
supply *a9 companies1 by employm5t size1
 us+ ! ?re%olds 9 ! ,c5sus ,bureau's    
,/ati/ics ( ,u4,s4 ,bus9esses4 ,! ,bank 
%all include a summ>y ( ! supply *a9    
data 9 its annual report to ! ,congress 
"u subsection 7a74  4  #bje4 ,m$ium-siz$
 ent]prises ,section #b7;b77#a77;,f7 ( !
 ,export-,import ,bank ,act ( #aide 7#ab
 ,u4,s4,c4 #fce7;b77#a77;,f77 is am5d$  
to read z foll[s3  7,f7 ,fair           
consid]ation = m$ium-,siz$ ent]prises ,9
 addition to ! programs ( ! ,bank to    
enc\rage ! p>ticipation ( small         
bus9esses 9 int]national comm]ce1 !     

policies ( ! ,bank %all give fair       
consid]ation to mak+ loans & provid+    
gu>antees = ! export ( goods & s]vices  
by ent]prises t use1 or seek to use1 !  
m$ium-t]m programs (f]$ by ! ,bank4  4  
#bjf4 ,p>ticipation & risk-%>+ by       
private sector l5d]s ,)9 #a ye> aft] !  
date ( ! enactm5t ( ?is ,act1 !         
,export-,import ,bank ( ! ,unit$ ,/ates 
%all conduct a comp>ative assessm5t ( ! 
practices ( export cr$it ag5cies ( o!r  
major provid]s ( (ficial export cr$it & 
memb] c\ntries ( ! ,organization =      
,economic ,coop]ation & ,developm5t )   
respect to risk- or fee-%>+ arrangem5ts1
 to det]m9e ! ext5t to :i* ! ,bank c\ld 
take /eps to increase ! %>e ( loan-level
 risk borne by ! private sector4 ,on !  
conclusion ( ! assessm5t1 ! ,bank %all1 
if w>rant$1 e/abli% programs "u :i*     
private f9ancial in/itutions may %>e    
risk 9 ! loans1 gu>antees1 & o!r        
products ( ! ,bank 9 ex*ange = receiv+  
fees receiv$ f ! p>ticipants 9 !        
programs4 ,! fees to a private f9ancial 

in/itution %all be comm5surate ) ! level
 ( risk tak5 by ! in/itution4  #bjg4    
,risk-,%>+ arrangem5ts  7a7 ,9 g5]al    
,section #b7;c77#b7 ( ! ,export-,import 
,bank ,act ( #aide 7#ab ,u4,s4,c4       
#fce7;c77#b77 is am5d$-- 7#a7 by /rik+  
7#b7 ,! ,bank & ins]t+ ! foll[+3  7#b7  
,gu>antees1 insurance1 co9surance1 &    
re9surance  7,a7 ,9 g5]al ,! ,bank  2 & 
7#b7 by add+ aft] & bel[ ! end ! foll[+ 
new subp>agraph3  7,b7 ,expansion (     
,risk-,%>+ ,activities  7i7 ,9 g5]al ,9 
fur!rance ( subp>agraph 7,a71 9 ord] to 
exp& activities t r$uce ! %>e ( risk    
borne by ! ,bank1 ! ,bank may ent] into 
contracts ( re9surance1 co-f9ance1 or   
o!r risk-%>+ arrangem5ts on ! ,bank's   
portfolio or individual transactions )  
insurance companies1 f9ancial           
in/itutions1 or export cr$it ag5cies4   
7ii7 ,limitation ,! total am\nt ( out/&+
 risk-%>+ arrangem5ts ent]$ into "u     
clause 7i7 %all n exce$ #be1jjj1jjj1jjj4
  7iii7 ,special rule ,to ! ext5t t a   
loan1 gu>antee1 or insurance obligation 

( ! ,bank is cov]$ by a risk-%>+        
arrangem5t ent]$ into "u clause 7i7 ) a 
c\nt]p>ty t meets ! /&>ds (             
cr$itwor?9ess set "u ! foll[+ s5t5ce1 ! 
obligation %all be disc\nt$ by an am\nt 
t reflects ! ext5t to :i* ! ,bank has   
r$uc$ its ov]all risk exposure z a      
result ( ! risk-%>+ arrangem5t = !      
purposes ( section #f7;a77#a74 ,! ,bank 
%all set ! /&>ds ( cr$itwor?9ess ref]r$ 
to 9 ! prec$+ s5t5ce 9 consultation )   
,f$]al bank+ & securities regulators &  
p>ticipants 9 ! ,int]ag5cy ,c\ntry ,risk
 ,assessm5t ,sy/em4  4  7b7 ,progress   
reports ,section #h ( su* ,act 7#ab     
,u4,s4,c4 #fce;g71 z am5d$ by sections  
#bjc & #bjd7;b7 ( ?is ,act1 is am5d$ by 
add+ at ! end ! foll[+3  7m7 ,progress  
,report on ,expansion ( ,risk-,%>+      
,activities ,! ,bank %all include 9 its 
annual report to ! ,congress "u         
subsection 7a7 ( ?is section a summ>y   
(--  7#a7 ! ext5t to :i* ! ,bank has    
ex]cis$ ! au?ority provid$ 9 section    
#b7;c77#b77;,b77i72 &  7#b7 ! exp]i5ce (

 ! ,bank 9 do+ s1 includ+ & any lessons 
le>n$ f do+ s4  4  #bjh4 ,promot+       
r5ewable en]gy exports ,)9 #a ye> aft] !
 date ( enactm5t ( ?is ,act1 !          
,export-,import ,bank ( ! ,unit$ ,/ates 
%all develop a cle> & compreh5sive      
/rategic plan to id5tify h[ to mo/      
effectively promote ! export ( goods &  
s]vices relat$ to r5ewable en]gy &      
end-use en]gy effici5cy te*nology4 ,!   
/rategic plan %all include--  7#a7 an   
assessm5t ( ! adequacy ( res\rces1      
includ+ ! allocation ( human capital &  
adm9i/rative funds1 to meet ! goal (    
allocat+ at lea/ #aj p]c5t ( its        
aggregate f9anc+ to r5ewable en]gy or   
end-use en]gy effici5cy te*nology relat$
 transactions2  7#b7 b5*m>ks us$ to     
measure progress t[>ds meet+ ! goal     
describ$ 9 p>agraph 7#a72  7#c7 outrea* 
to /akehold]s includ+ /ate-level trade  
promotion ag5cies1 environm5tal indu/ry 
associations & exp]ts1 delegat$ l5d]s1 &
 o!rs z det]m9$ by ! ,presid5t ( ! ,bank
 to be appropriate2  7#d7 an assessm5t (

 ext]nal & int]nal factors affect+      
progress t[>ds meet+ ! #aj p]c5t        
portfolio-wide goal describ$ 9 p>agraph 
7#a72 &  7#e7 ! specific /eps ! ,bank w 
take ?r\gh fiscal ye> #bjbb to a*ieve ! 
r5ewable en]gy & en]gy effici5cy goal   
outl9$ p>agraph 7#a74  ,,iii ,,e?ics ,,&
 ,,fraud ,,controls  #cja4 ,codify+ !   
role ( ! ,*ief ,risk ,(fic] ,section #c 
( ! ,export-,import ,bank ,act ( #aide  
7#ab ,u4,s4,c4 #fce;a7 is am5d$ by add+ 
at ! end ! foll[+3  7k7 ,*ief risk (fic]
  7#a7 ,9 g5]al ,subject to ! approval (
 ! ,bo>d ( ,directors ( ! ,bank1 !      
,presid5t ( ! ,bank %all appo9t1 f among
 individuals ) exp]i5ce at a s5ior level
 9 f9ancial risk managem5t1 a ,*ief     
,risk ,(fic]--  7,a7 :o %all rank n l[] 
?an s5ior vice presid5t2  7,b7 ^: sole  
function %all be to s]ve z ! *ief risk  
(fic] ( ! ,bank2 &  7,c7 :o %all report 
directly to ! ,presid5t ( ! ,bank4  7#b7
 ,duties ,! ,*ief ,risk ,(fic] %all     
develop1 implem5t1 & manage a           
compreh5sive process = id5tify+1        

assess+1 monitor+1 & r$uc+ ,bank-wide   
risk4  4  #cjb4 ,reports on e?ics       
requirem5ts ( ! ,bank ,)9 #ahj days aft]
 ! date ( ! enactm5t ( ?is ,act-- 7#a7 !
 ,export-,import ,bank ( ! ,unit$ ,/ates
 %all submit to ! ,committee on         
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate a report :i* provides a detail$  
description ( ! e?ics programs ( ! ,bank
 includ+ ! applicable laws &            
regulations1 e?ics tra9+ programs1      
f9ancial disclosure requirem5ts1 fraud  
detection tra9+ programs1 advice r5d]$  
on e?ics1 conflicts ( int]e/1 protocols 
) ! ,inspector ,g5]al1 & any o!r matt]s 
relat+ !reto2 &  7#b7 ! ,(fice (        
,gov]nm5t ,e?ics %all submit to !       
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate an e?ics program review report   
t--  7,a7 evaluates compliance by !     
,export-,import ,bank ( ! ,unit$ ,/ates 

) e?ics requirem5ts z set =? 9 relevant 
laws1 regulations1 & policies2 &  7,b7  
evaluates ! sy/ems1 processes1 &        
proc$ures ( ! ,bank = adm9i/]+ ! e?ics  
program4  #cjc4 ,employee f9ancial      
disclosures ,section #h ( !             
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce;g71 z am5d$ by sections  
#bjc1 #bjd7;b71 & #bjg7;b7 ( ?is ,act1  
is am5d$ by add+ at ! end ! foll[+3  7n7
 ,employee f9ancial disclosures ,! ,bank
 %all include 9 its annual report to !  
,congress "u subsection 7a71 ! total    
numb] ( ,bank employees :o are requir$  
to file a f9ancial disclosure /atem5t   
pursuant to ! ,e?ics 9 ,gov]nm5t ,act ( 
#aigh1 a cle> & concise summ>y ( !      
f9ancial disclosure requirem5ts t apply 
to ,bank employees1 & a summ>y ( !      
rights ( ! public to access f9ancial    
disclosures made by ,bank employees4  4 
#cjd4 ,supplem5tal e?ics regulations ,)9
 #a ye> aft] ! date ( ! enactm5t ( ?is  
,act1 ! ,export-,import ,bank ( ! ,unit$
 ,/ates %all conduct a risk assessm5t ( 

! vuln]ability ( its programs to        
employee misconduct bas$ ^u a hi/orical 
review ( adv]se employm5t actions tak5  
by ! ,bank &1 if appropriate1 %all issue
 updat$ supplem5tal /&>ds ( e?ical      
conduct = employees ( ! ,bank pursuant  
to ! ,e?ics 9 ,gov]nm5t ,act ( #aigh4   
#cje4 ,annual employee c]tifications    
,section #c ( ! ,export-,import ,bank   
,act ( #aide 7#ab ,u4,s4,c4 #fce;a71 z  
am5d$ by section #cja ( ?is ,act1 is    
am5d$ by add+ at ! end ! foll[+3  7l7   
,annual employee c]tifications ,!       
,presid5t ( ! ,export-,import ,bank ( ! 
,unit$ ,/ates %all implem5t a policy t  
requires all directors1 (fic]s1 &       
employees ( ! ,bank to c]tify annually t
 !y h read1 und]/&1 & compli$ )1 & w    
cont9ue to comply )1 ! ,/&>ds ( ,e?ical 
,conduct = ,employees ( ! ,executive    
,bran*4 ,! annual c]tifications %all    
conta9 a /atem5t :i* notifies !         
signatory t section #ajja ( title #ah1  
,unit$ ,/ates ,code1 applies to !       
c]tification4  4  ,,iv ,,enhanc+        

,,ext]nal ,,audits ,,& ,,reviews  #dja4 
,enhanc$ audit controls ,section #b ( ! 
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce71 z am5d$ by sections    
#bjc1 #bjd7;b71 & #cjc ( ?is ,act1 is   
am5d$ by add+ at ! end ! foll[+3  7k7   
,corporate gov]nance & int]nal controls 
,= all transactions subject to ,bo>d    
approval1 ! ,bank %all-- 7#a7 ensure    
complete & accurate records are ma9ta9$ 
to provide an audit trail on all ,bank  
transactions f application ?r\gh        
close-out1 includ+ eligibility & due    
dilig5ce2 &  7#b7 e/abli% a quality     
control review program to ensure        
compliance ) ,bank policies & ! accuracy
 ( records = all transaction types4  4  
#djb4 ,indep5d5t evaluation ( ,bank     
portfolio  7a7 ,audit ,! ,inspector     
,g5]al ( ! ,export-,import ,bank ( !    
,unit$ ,/ates %all conduct an audit or  
evaluation ( ! portfolio risk managem5t 
proc$ures ( ! ,bank1 includ+ a review ( 
! implem5tation by ! ,bank ( ! duties   
assign$ to ! ,*ief ,risk ,(fic] "u !    

,export-,import ,bank ,act ( #aide4  7b7
 ,report ,n lat] ?an #ah mon?s aft] !   
date ! ,bo>d ( ,directors ( ! ,bank     
approves ! appo9tm5t ( ! ,*ief ,risk    
,(fic]1 ! ,inspector ,g5]al %all submit 
to ! ,committee on ,f9ancial ,s]vices ( 
! ,h\se ( ,repres5tatives & ! ,committee
 on ,bank+1 ,h\s+1 & ,urban ,affairs ( !
 ,s5ate a writt5 report conta9+ all     
f9d+s & det]m9ations made 9 c>ry+ out   
subsection 7a74  #djc4 ,ext]nal review (
 fraud controls ,section #ag7;b7 ( !    
,export-,import ,bank ,reau?orization   
,act ( #bjab 7#ab ,u4,s4,c4             
#fce;a-#f7;b77 is am5d$ to read z       
foll[s3  7b7 ,review ( fraud controls ,n
 less frequ5tly ?an e #d ye>s1 !        
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all-- 7#a7 review ! adequacy ( ! design
 & effectiv5ess ( ! controls us$ by !   
,export-,import ,bank ( ! ,unit$ ,/ates 
to prev5t1 detect1 & inve/igate         
fraudul5t applications = loans &        
gu>antees & ! compliance by ! ,bank ) ! 
controls1 includ+ by audit+ a sample (  

,bank transactions2 &  7#b7 submit to ! 
,committees on ,f9ancial ,s]vices &     
,appropriations ( ! ,h\se (             
,repres5tatives & ! ,committees on      
,bank+1 ,h\s+1 & ,urban ,affairs &      
,appropriations ( ! ,s5ate a writt5     
report reg>d+ ! f9d+s ( ! review &      
provid+ su* recomm5dations ) respect to 
! controls z ! ,comptroll] ,g5]al deems 
appropriate4  4  ,v ,,/r5g!n+ ,,project 
,,monitor+ ,,& ,,due ,,dilig5ce  #eja4  
,enhanc$ monitor+ & due dilig5ce =      
/ructur$ & project f9ance transactions  
,section #b ( ! ,export-,import ,bank   
,act ( #aide 7#ab ,u4,s4,c4 #fce71 z    
am5d$ by sections #bjc1 #bjd7;b71 #cjc1 
& #dja ( ?is ,act1 is am5d$ by add+ at !
 end ! foll[+3  7l7 ,cu/om] &           
reputational assessm5ts ,! ,bank %all   
p]=m or cause to be p]=m$ risk-bas$ ,due
 ,dilig5ce1 ,"k ,y\r ,cu/om]1 & ,"*     
,reputational ,transaction ,integrity   
assessm5ts ( p>ticipants :o b5efit      
directly f ,bank f9anc+ 9 /ructur$      
f9ance & project f9ance transactions1 to

 ! ext5t practicable4  4  #ejb4         
,monitor+ plans & po/-approval          
assessm5ts = /ructur$ & project f9ance  
transactions ,section #b ( !            
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce71 z am5d$ by sections    
#bjc1 #bjd7;b71 #cjc1 #dja1 & #eja ( ?is
 ,act1 is am5d$ by add+ at ! end !      
foll[+3  7m7 ,individualiz$ plans ,!    
,bank %all develop a specific monitor+  
plan = ea* /ructur$ or project f9ance   
transaction prior to f9al approval by ! 
,bo>d t addresses ! specific risks      
pres5t$ by ! /ructure ( ! deal 7includ+ 
! f9ancial /ability ( ! sponsor1 risks (
 unprov5 te*nology1 social &            
environm5tal conditions1 & int]e/ rate  
or ex*ange rate volatility74 ,! plan    
%all include1 at a m9imum--  7#a7 a     
review ( f9ancial /atem5ts2  7#b7 a     
review ( eng9e]+ reports2  7#c7 a review
 ( environm5tal assessm5ts2 &  7#d7 site
 visits = eng9e]s & memb]s ( ! asset    
managem5t division4  7n7 ,po/-,approval 
,review ,! ,bank %all-- 7#a7 review ea* 

/ructur$ & project f9ance transaction   
ref]r$ to 9 subsection 7m71 no lat] ?an 
#b ye>s aft] funds are fir/ disburs$ = !
 transaction1 on a regul> & ongo+ basis 
z appropriate1 b no lat] ?an #a ye> aft]
 ! f9al disbursem5t ) respect to !      
transaction2 &  7#b7 submit to !        
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate a report summ>iz+ all f9d+s &    
det]m9ations made 9 ea* review1 subject 
to protections = bus9ess confid5tial    
in=mation4  4  #ejc4 ,res]v+ ! "r (     
inspection ,section #b ( !              
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce71 z am5d$ by sections    
#bjc1 #bjd7;b71 #cjc1 #dja1 #eja1 & #ejb
 ( ?is ,act1 is am5d$ by add+ at ! end !
 foll[+3  7o7 ,monitor+ ( transactions t
 are subject to bo>d approval  7#a7 ,"r 
( inspection ,! ,bank1 or its ag5t1 %all
 res]ve ! "r ( inspection 9 any cr$it   
agreem5t = a transaction subject to !   
approval ( ! ,bo>d ( ,directors         

suffici5t to validate t disbursem5ts    
comply ) ! law & ! policies & proc$ures 
( ! ,bank4 ,! "r ( inspection %all      
include a "r to exam9e ! books & records
 ( ! obligor reg>d+ ! transaction4  7#b7
 ,/aff+ ,! ,bank %all ensure t suffici5t
 /aff are allocat$ to monitor & validate
 compliance by obligors ) respect to    
transactions subject to ! approval ( !  
,bo>d ( ,directors4  4  ,,vi            
,,mod]nization ,,( ,,bank ,,sy/ems      
#fja4 ,electronic paym5ts & docum5ts    
,section #b7;b77#a77;,e7 ( !            
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce7;b77#a77;,e77 is am5d$ by
 add+ at ! end ! foll[+3  7xi7          
,electronic docum5ts ,n lat] ?an #cj    
mon?s aft] ! date ( ! enactm5t ( ?is    
clause1 ! ,bank %all implem5t policies  
to accept electronic docum5ts :5ev]     
possible1 includ+ copies ( bills ( lad+1
 c]tifications1 & compliance docum5ts1 9
 su* a mann] z w n und]m9e any pot5tial 
civil or crim9al en=cem5t relat$ to !   
transaction4  7xii7 ,electronic paym5ts 

,n lat] ?an #cj mon?s aft] ! date ( !   
enactm5t ( ?is clause1 ! ,bank %all     
implem5t policies to accept electronic  
paym5ts 9 all ( its programs4  4  #fjb4 
,reau?orization ( in=mation te*nology   
updat+ ,section #c7;j7 ( !              
,export-,import ,act ( #aide 7#ab       
,u4,s4,c4 #fce;a7j77 is am5d$-- 7#a7 9 !
 subsection head+1 by /rik+ bank surplus
 & ins]t+ adm9i/rative funds2  7#b7 9   
p>agraph 7#a71 by /rik+ ,subject to     
p>agraphs 7#c7 & 7#d71 ! ,bank may use  
an am\nt equal to #a4be p]c5t ( !       
surplus ( ! ,bank dur+ fiscal ye>s      
#bjab1 #bjac1 & #bjad to & ins]t+       
,subject to p>agraphs 7#b7 & 7#c71 !    
,bank may use am\nts1 made available to 
! ,bank = adm9i/rative exp5ses1 includ+ 
fees = sy/ems infra/ructure1 to2  7#c7  
by /rik+ p>agraph 7#b7 & r$esignat+     
p>agraphs 7#c7 & 7#d7 z p>agraphs 7#b7 &
 7#c71 respectively2 &  7#d7 9 p>agraph 
7#b7 7z s r$esignat$71 by /rik+ = fiscal
 ye>s #bjab1 #bjac1 & #bjad %all n exce$
 #bj1jjj1jjj & ins]t+ f ! date (        

enactm5t ( ?is ,act ?r\gh ! date        
specifi$ 9 ,section #g %all n exce$     
#de1jjj1jjj4  #fjc4 ,in=mation te*nology
 mod]nization ,section #c ( !           
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce;a71 z am5d$ by sections  
#cja & #cje ( ?is ,act1 is am5d$ by add+
 at ! end ! foll[+3  7m7 ,! ,bank %all  
conduct an analysis & assessm5t ( its   
in=mation te*nology infra/ructure1 its  
use ( in=mation te*nology1 & develop a  
cle> & compreh5sive in=mation te*nology 
/rategic plan :i*--  7#a7 meets !       
requirem5ts ( ! ,(fice ( ,managem5t &   
,budget2  7#b7 takes into acc\nt be/    
practices relat$ to ! security & privacy
 ( ! in=mation te*nology infra/ructure &
 networks ( ! ,bank2  7#c7 promotes     
te*nological innovation 9 ord] to       
enhance ! effici5cy & calib] ( s]vices  
provid$ to us]s ( ! ,bank1 p>ticul>ly   
small bus9ess us]s & _! cu/om]s2 &  7#d7
 includes a detail$ assessm5t ( ! co/   
associat$ ) implem5t+ ! plan1 includ+   
:e!r additional adm9i/rative budget is  

necess>y to effectively implem5t ! plan1
 &1 if s1 a detail$ ju/ification        
summ>iz+ h[ ! additional funds w be     
sp5t4  7n7 ,! ,bank %all develop =mal   
data managem5t policy & proc$ures t--   
7#a7 ensure complete & accurate         
p>ticipant data is captur$ 9 ! database 
( ! ,bank 9 a readily accessible m$ium2 
&  7#b7 def9e :i* in=mation is requir$ =
 report+ purposes4  4  #fjd4 ,mod]niz+ !
 disclosure ( environm5tal reports      
,section #aa ( ! ,export-,import ,bank  
,act ( #aide 7#ab ,u4,s4,c4 #fce;i-#e7  
is am5d$--  7#a7 9 subsection 7a77#a71  
by /rik+ ,su* proc$ures %all provide = !
 public disclosure ( environm5tal       
assessm5ts & supplem5tal environm5tal   
reports requir$ to be submitt$ to !     
,bank1 includ+ rem$iation or mitigation 
plans & proc$ures1 & relat$ monitor+    
reports4 & ins]t+ ,su* proc$ures %all   
provide = ! public disclosure on !      
,bank's website1 ( environm5tal         
assessm5ts & supplem5tal environm5tal   
reports requir$ to be submitt$ to !     

,bank1 includ+ rem$iation or mitigation 
plans & proc$ures1 & relat$ monitor+    
reports4 ,?is public disclosure %all be 
provid$ )9 #ae bus9ess days aft] ! ,bank
 receives ! docum5ts42 &  7#b7 9        
subsection 7b7-- 7,a7 by /rik+ 7b7 & all
 t foll[s ?r\gh ,! ,bank & ins]t+ !     
foll[+3  7b7 ,use ( ,bank ,programs ,to 
,enc\rage ,c]ta9 ,export ,! ,bank  2 &  
7,b7 by /rik+ p>agraph 7#b74  ,,vii     
,,level+ ,,! ,,play+ ,,field ,,= ,,unit$
 ,,/ates ,,export]s  #gja4 ,level+ !    
play+ field = ,unit$ ,/ates export]s    
,section #aa ( ! ,export-,import ,bank  
,reau?orization ,act ( #bjab 7#ab       
,u4,s4,c4 #fce;a-#e7 is am5d$ by /rik+  
subsections 7a7 & 7b7 & ins]t+ ! foll[+3
  7a7 ,negotiations ,to ,br+ ,non-,,oecd
 ,memb]s ,into ! ,,oecd ,arrangem5t on  
,(ficially ,support$ ,export ,cr$its ,! 
,secret>y ( ! ,treasury %all initiate & 
pursue negotiations ) c\ntries t are n  
memb]s ( ! ,organisation = ,economic    
,co-op]ation & ,developm5t 7,,oecd71 to 
br+ ! non-memb]s into a multilat]al     

agreem5t e/abli%+ rules & limitations on
 (ficially support$ export cr$its4  7b7 
,annual reports on progress (           
negotiations ,n lat] ?an #ahj days aft] 
! date ( ! enactm5t ( ?is subsection1 & 
annually !reaft] ?r\gh cal5d> ye> #bjbb1
 ! ,secret>y %all submit to ! ,committee
 on ,bank+1 ,h\s+1 & ,urban ,affairs ( !
 ,s5ate & ! ,committee on ,f9ancial     
,s]vices ( ! ,h\se ( ,repres5tatives a  
report on ! progress ( any negotiations 
describ$ 9 subsection 7a74  4  #gjb4    
,prohibit+ illegal support ( =eign      
exports ,! ,unit$ ,/ates ,trade         
,repres5tative %all seek to id5tify )9 !
 ,_w ,trade ,organization ! ext5t to :i*
 c\ntries t are n a p>ty to !           
,arrangem5t ,on ,(ficially ,support$    
,export ,cr$its are n 9 compliance ) !  
t]ms ( ! ,agreem5t on ,subsidies &      
,c\nt]vail+ ,measures ref]r$ to 9       
section #aja7;d77#ab7 ( ! ,uruguay ,r\nd
 ,agreem5ts ,act 7#ai ,u4,s4,c4         
#ceaa7;d77#ab77 ) respect to export     
f9ance1 & seek appropriate action )9 !  

,_w ,trade ,organization = ea* c\ntry t 
is n 9 su* compliance4