,,ii  #aad? ,,congress  #a/ ,session    
,s4 #hbd  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #ai1 #bjae,mrs4   
,%ahe5 7= h]self1 ,mrs4 ,fe9/e91 ,mr4   
,frank51 & ,mr4 ,blum5?al7 introduc$ !  
foll[+ bill2 :i* 0 read twice & ref]r$  
to ! ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs  ,a ,,bill  ,to         
reau?orize ! ,export-,import ,bank ( !  
,unit$ ,/ates1 & = o!r purposes4  #a4   
,%ort title2 table ( cont5ts  7a7 ,%ort 
title ,?is ,act may be cit$ z ! ,promot+
 ,u4,s4 ,jobs ,?r\gh ,exports ,act (    
#bjae4  7b7 ,table ( cont5ts ,! table ( 
cont5ts ( ?is ,act is z foll[s3 ,sec4   
#a4 ,%ort title2 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 ,increase 9 small bus9ess   
l5d+ requirem5ts4 ,sec4 #bjb4           
,recomm5dations to increase small       
bus9ess outrea*4 ,sec4 #bjc4 ,te*nical  
assi/ance = small bus9esses4 ,sec4 #bjd4
 ,exposure limit e/imates4 ,sec4 #bje4  
,small bus9ess & m$ium-siz$ ent]prises  
reports4 ,sec4 #bjf4 ,m$ium-siz$        
ent]prises4 ,sec4 #bjg4 ,p>ticipation & 
risk-%>+ by private sector l5d]s4 ,sec4 
#bjh4 ,risk-%>+ arrangem5ts4 ,sec4 #bji4
 ,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> #bjae & ea* fiscal  
ye> !reaft]1 #adj1jjj1jjj1jjj1 except   
t-- 7,a7 ! applicable am\nt = 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 & ea* fiscal ye>     

!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 specifi$ 9 section #g4  #ajd4      
,reau?orization ( dual-use exports      
,section #a ( ,public ,law #ajc-dbh 7#ab
 ,u4,s4,c4 #fce note7 is am5d$ by /rik+ 
subsection 7c74  ,,ii ,exp&+ ,bank      
support = ,unit$ ,/ates exports  #bja4  
,increase 9 small bus9ess l5d+          
requirem5ts ,section #b7;b77#a77;,e77v7 
( ! ,export-,import ,bank ,act ( #aide  
7#ab ,u4,s4,c4 #fce7;b77#a77;,e77v77 is 

am5d$ by /rik+ #bj p]c5t & ins]t+ #be   
p]c5t4  #bjb4 ,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]ns 7z def9$ "u section #c7;a7 ( !  
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcb7;a774  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        
f9ancial in/itutions2 &  7ii7 enc\rage  
comm]cial banks1 community banks1 &     
insurance brok]s to exp& _! outrea* ab\t
 ! ,bank to small bus9ess conc]ns4  4   
#bjc4 ,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  #bjd4 ,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 loan gu>antees1 or 
long-t]m loan gu>antees2 &  7,c7 key    
m>ket2  7#b7 a ju/ification = ! e/imate 
describ$ 9 p>agraph 7#a71 includ+ a     
discussion ( ! factors :i* 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 f9anc+ provid$ by ! ,bank1    
includ+ ! conduct+ ( requir$ economic   
impact analyses & environm5tal          
assessm5ts1 "u ! e/imat$ exposure limit 
describ$ 9 p>agraph 7#a74  4  #bje4     
,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 use
 or seek to use ! m$ium-t]m programs    
(f]$ by ! ,bank1 includ+ ! programs &   
products ) 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$s ( small bus9ess conc]ns &  
ent]prises t use or seek to use !       
m$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 submit to ,congress a report 
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 use 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 use or seek to   
use ! 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 ,act 7#ae   
,u4,s4,c4 #fcb7;a774  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 #bjd ( ?is ,act1 is    
am5d$ by add+ at ! end ! foll[+3  7l7   
,bank support = small & m$ium-,siz$     
companies ?r\gh supply *a9s ,= ea*      
transaction ) respect to :i* ! ,bank is 
requir$ to notify ,congress "u section  
#c7;b77#c71 ! ,bank %all collect        
in=mation on ! size ( ea* company 9 !   
supply *a9 ) respect to ! transaction   
us+ ! ?re%olds 9 ! ,/ati/ics ( ,u4,s4   
,bus9esses ( ! ,c5sus ,bureau4 ,! ,bank 

%all include a summ>y ( ! in=mation     
collect$ "u ?is subsection 9 its annual 
report to ,congress "u subsection 7a74  
4  #bjf4 ,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  #bjg4     
,p>ticipation & risk-%>+ by private     
sector l5d]s  7a7 ,assessm5t requir$ ,n 
lat] ?an #a ye> aft] ! date ( ! enactm5t
 ( ?is ,act1 ! ,export-,import ,bank ( !
 ,unit$ ,/ates %all conduct a comp>ative
 assessm5t ( ! practices ( export cr$it 
ag5cies ( o!r c\ntries t are major      
provid]s ( (ficial export cr$it & memb] 

c\ntries ( ! ,organisation = ,economic  
,co-op]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  7b7         
,e/abli%m5t ( programs ,on ! conclusion 
( ! assessm5t requir$ "u subsection 7a71
 ! ,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  #bjh4 ,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$uce 
! %>e ( risk borne by ! ,bank1 ! ,bank  
may ent] into contracts ( re9surance1   
co-f9ance1 or o!r risk-%>+ arrangem5ts )
 respect to ! ,bank's portfolio or      
individual transactions ) insurance     
companies1 f9ancial in/itutions1 or     
export cr$it ag5cies4  7ii7 ,limitation 
,! total am\nt ( out/&+ risk-%>+        
arrangem5ts ent]$ into "u clause 7i7    
%all n exce$ #be1jjj1jjj1jjj4  7iii7    
,special rule  7,i7 ,9 g5]al ,to ! ext5t
 t a loan1 gu>antee1 or insurance       
obligation ( ! ,bank is cov]$ by a      
risk-%>+ arrangem5t ent]$ into "u clause
 7i7 ) an entity t meets ! /&>ds (      
cr$itwor?9ess e/abli%$ "u subclause     
7,,ii71 ! 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  7,,ii7  
,cr$itwor?9ess /&>ds ,! ,bank %all      

e/abli% ! /&>ds ( cr$itwor?9ess ref]r$  
to 9 subclause 7,i7 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  
#bjd & #bje7;b7 ( ?is ,act1 is fur!r    
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 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 ex]cis+ su* au?ority1 includ+
 any lessons le>n$ f ex]cis+ su*        
au?ority4  4  #bji4 ,promot+ r5ewable   
en]gy exports  7a7 ,9 g5]al ,n lat] ?an 
#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   
7b7 ,elem5ts ,! /rategic plan requir$ by
 subsection 7a7 %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 ( ! ,bank's  
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]s1 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+ ! goal     
describ$ 9 p>agraph 7#a72 &  7#e7 !     
specific /eps ! ,bank w take ?r\gh      
fiscal ye> #bjbb to a*ieve ! goal       
describ$ 9 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$uc+ ,bank-wide   
risk4  4  #cjb4 ,reports on e?ics       
requirem5ts ( ! ,bank ,n lat] ?an #ahj  
days aft] ! date ( ! enactm5t ( ?is     
,act-- 7#a7 ! ,export-,import ,bank ( ! 
,unit$ ,/ates %all submit to !          
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  

on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate a report t provides a detail$    
description ( ! e?ics programs ( !      
,bank1 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 ! ,director ( !   
,(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 a report review+ ! e?ics program 
( ! ,bank t--  7,a7 evaluates compliance
 by ! ,bank ) e?ics requirem5ts set =? 9
 relevant laws1 regulations1 & policies2
 &  7,b7 evaluates ! sy/ems1 processes1 
& proc$ures ( ! ,bank = adm9i/]+ ! e?ics
 program ( ! ,bank4  #cjc4 ,employee    
f9ancial disclosures ,section #h ( !    
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce;g71 z am5d$ by sections  
#bjd1 #bje7;b71 & #bjh7;b7 ( ?is ,act1  

is fur!r am5d$ by add+ at ! end !       
foll[+3  7n7 ,employee f9ancial         
disclosures ,! ,bank %all include 9 its 
annual report to ,congress "u subsection
 7a7 ! total numb] ( ,bank employees :o 
are requir$ to file a f9ancial          
disclosure /atem5t pursuant to ! ,e?ics 
9 ,gov]nm5t ,act ( #aigh 7#e ,u4,s4,c4  
,app471 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 ,n 
lat] ?an #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 ( #aigh 7#e ,u4,s4,c4 

,app474  #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 ( ! ,bank    
%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* "u "p #bfce (     
title #e1 ,code ( ,f$]al ,regulations4  
,! annual c]tifications %all conta9 a   
/atem5t t notifies ! signatory t section
 #ajja ( title #ah1 ,unit$ ,/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 #fce7 is am5d$ by add+ at !  
end ! foll[+3  7k7 ,corporate gov]nance 
& int]nal controls  7#a7 ,audit trail ,!
 ,bank %all ensure complete & accurate  

records are ma9ta9$ to provide an audit 
trail = ea* transaction subject to      
approval by ! ,bo>d f application ?r\gh 
close-out1 includ+ eligibility & due    
dilig5ce4  7#b7 ,quality control review 
program ,! ,bank %all e/abli% a quality 
control review program to ensure        
compliance ) ,bank policies & ! accuracy
 ( records = all types ( transactions   
subject to approval by ! ,bo>d4  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      
section #c7k7 ( ! ,export-,import ,bank 
,act ( #aide1 z add$ by section #cja (  
?is ,act4  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 describ$ 9 p>agraph 7#a7 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 section #dja
 ( ?is ,act1 is fur!r 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 & "*1          
reputational1 & transaction integrity   
assessm5ts 7z ^? t]ms are def9$ by !    
,bank7 ( p]sons :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 #dja & #eja ( ?is ,act1 is     
fur!r am5d$ by add+ at ! end ! foll[+3  
7m7 ,individualiz$ plans  7#a7 ,9 g5]al 
,! ,bank %all develop a specific        
monitor+ plan = ea* /ructur$ f9ance or  
project f9ance transaction prior to f9al
 approval by ! ,bo>d t addresses !      
specific risks pres5t$ by ! /ructure ( !
 deal1 includ+ ! f9ancial /ability ( !  
sponsor ( ! project1 risks ( unprov5    
te*nology1 social & environm5tal        
conditions1 & int]e/ rate or ex*ange    
rate volatility4  7#b7 ,elem5ts ,a plan 
requir$ by p>agraph 7#a7 ) respect to a 
transaction %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 ,division ( ! ,bank4  
7n7 ,po/-,approval review ,! ,bank      
%all--  7#a7 review ea* /ructur$ f9ance 
& project f9ance transaction ref]r$ to 9
 subsection 7m7 n lat] ?an #b ye>s aft] 
funds are fir/ disburs$ = ! transaction1

 on a regul> & ongo+ basis z appropriate
 !reaft]1 & n lat] ?an #a ye> aft] !    
f9al disbursem5t ( funds ) 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* review conduct$ 
"u p>agraph 7#a71 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 #dja1 #eja1 & #ejb ( ?is ,act1 
is fur!r 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$it   
agreem5t = a transaction subject to !   
approval ( ! ,bo>d ( ,directors         
suffici5t to validate t disbursem5ts    
pursuant to ! agreem5t comply ) ! law & 
! policies & proc$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;,j7 ( !  
,export-,import ,bank ,act ( #aide 7#ab 
,u4,s4,c4 #fce7;b77#a77;,j77 is am5d$-- 
7#a7 by /rik+ ,! ,bank & ins]t+ 7i7 ,!  
,bank2 &  7#b7 by add+ at ! end !       
foll[+3  7ii7 ,n lat] ?an #cj mon?s aft]
 ! date ( ! enactm5t ( ! ,promot+ ,u4,s4
 ,jobs ,?r\gh ,exports ,act ( #bjae1 !  
,bank %all implem5t policies--  7,i7 to 
accept electronic docum5ts :5ev]        
possible1 includ+ copies ( bills ( lad+1
 c]tifications1 & compliance docum5ts1 9
 su* a mann] z w n und]m9e any pot5tial 
civil or crim9al en=cem5t relat$ to !   
transaction2 &  7,,ii7 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$--  7#a7 9 
! subsection head+1 by /rik+ bank       
surplus & ins]t+ adm9i/rative funds2    
7#b7 9 p>agraph 7#a71 by /rik+ ,subject 
to p>agraphs 7#c7 & 7#d71 ! ,bank may   
use an am\nt equal to #a4be p]c5t ( !   
surplus ( ! ,bank dur+ fiscal ye>s      
#bjab1 #bjac1 & #bjad to & ins]t+       
,subject to p>agraphs 7#b7 & 7#c71 !    
,bank may use am\nts made available to !
 ,bank = adm9i/rative exp5ses1 includ+  
fees = sy/ems infra/ructure1 to2  7#c7  
by /rik+ p>agraph 7#b7 & r$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+ 1 = ! p]iod beg9n+
 on ! date ( ! enactm5t ( ! ,promot+    
,u4,s4 ,jobs ,?r\gh ,exports ,act (     
#bjae & end+ on ! date specifi$ 9       
section #g1 %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 fur!r am5d$ by add+ at ! end ! 
foll[+3  7m7 ,in=mation te*nology       
infra/ructure assessm5t & plan ,! ,bank 
%all-- 7#a7 conduct an assessm5t ( its  
in=mation te*nology infra/ructure & its 
use ( in=mation te*nology2 &  7#b7      
develop a cle> & compreh5sive in=mation 
te*nology /rategic plan t--  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 & quality ( s]vices 
provid$ to us]s ( ! ,bank1 p>ticul>ly   
small bus9esses & _! cu/om]s2  7,d7     
includes a detail$ assessm5t ( ! co/    
associat$ ) implem5t+ ! plan1 includ+   
:e!r additional adm9i/rative funds are  
necess>y to effectively implem5t ! plan1

 &1 if s1 a detail$ ju/ification        
summ>iz+ h[ ! additional funds w be     
sp5t4  7n7 ,data managem5t policy ,!    
,bank %all develop =mal data managem5t  
policy & proc$ures t-- 7#a7 ensure      
complete & accurate data ) respect to   
p>ticipants 9 ! ,bank's programs is     
captur$ 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 &  
all t foll[s ?r\gh ,! prec$+ s5t5ce &   
ins]t+ ! foll[+3 ,su* proc$ures %all    
provide = ! public disclosure on !      
,bank's website ( environm5tal          
assessm5ts & supplem5tal environm5tal   
reports requir$ to be submitt$ to !     
,bank1 includ+ rem$iation or mitigation 
plans & proc$ures1 & relat$ monitor+    
reports4 ,public disclosure ( reports "u

 ! prec$+ s5t5ce %all be provid$ = n    
lat] ?an #ae bus9ess days aft] ! ,bank  
receives ! reports4 ,! prec$+ s5t5ces2 &
  7#b7 9 subsection 7b7-- 7,a7 by /rik+ 
7b7 & all t foll[s ?r\gh ,! ,bank &     
ins]t+ ! foll[+3  7b7 ,use ( bank       
programs ,to enc\rage c]ta9 export ,!   
,bank  2 &  7,b7 by /rik+ p>agraph 7#b74
  ,,vii ,level+ ! play+ field = ,unit$  
,/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$its ,!     
,secret>y ( ! ,treasury %all initiate & 
pursue negotiations ) c\ntries t are n  
memb]s ( ! ,organisation = ,economic    
,co-op]ation & ,developm5t to br+ ^?    
c\ntries into a multilat]al agreem5t    
e/abli%+ rules & limitations on         
(ficially support$ export cr$its4  7b7  

,annual reports on progress (           
negotiations ,n lat] ?an #ahj days aft] 
! date ( ! enactm5t ( ! ,promot+ ,u4,s4 
,jobs ,?r\gh ,exports ,act ( #bjae1 &   
annually !reaft] ?r\gh cal5d> ye> #bjbb1
 ! ,secret>y %all submit to ! ,committee
 on ,f9ancial ,s]vices ( ! ,h\se (      
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate a report on ! progress ( any     
negotiations describ$ 9 subsection 7a74 
4  #gjb4 ,prohibit+ illegal support (   
=eign exports ,! ,unit$ ,/ates ,trade   
,repres5tative %all-- 7#a7 seek to      
id5tify ! ext5t to :i* c\ntries t are   
memb]s ( ! ,_w ,trade ,organization &   
are n p>ties to ! ,arrangem5t on        
,(ficially ,support$ ,export ,cr$its ( !
 ,organisation = ,economic ,co-op]ation 
& ,developm5t are 9 compliance ) ! t]ms 
( ! ,agreem5t on ,subsidies &           
,c\nt]vail+ ,measures ref]r$ to 9       
section #aja7;d77#ab7 ( ! ,uruguay ,r\nd
 ,agreem5ts ,act 7#ai ,u4,s4,c4         
#ceaa7;d77#ab77 ) respect to export     

f9ance2 &  7#b7 seek appropriate action 
)9 ! ,_w ,trade ,organization = ea*     
c\ntry t is n 9 compliance ) ! t]ms ( t 
,agreem5t4