Application Leasing / expropriation risk

Before answering these questions, please consult the explanatory notes at the end of this form.

Other application forms can be downloaded from: www.atradiusdutchstatebusiness.nl (Please use the correct application form for your transaction)
The processing of your application by Atradius: 1. After we have received your application, we will send you a confirmation of receipt. 2. If Atradius lacks financial information or has inadequate financial information about your lessee, we will take steps to gather such information. We kindly request you to attach to this application any readily available information regarding your lessee. 3. If we lack financial information or have inadequate financial information of you or your guarantor for recourse obligations, we will ask you to send us such information, including annual reports with financial notes for the last three years. 4a. If the contract price is EUR 10 million or more, we request you to complete questions 10g up to and including 10t and to provide required annexes. In some cases, we will also request you to complete these questions if the contract price is below EUR 10 million. 4b. You do not need to answer these questions if: - the transaction or project concerns defence or aircraft industry - an application has been made for Dutch development assistance. If this application is declined you will still have to complete these questions. In all other cases you will have to answer these questions. 5. As soon as we have the necessary information at our disposal (see points 2, 3, 4a and 4b), we will be able to process your application. 6. While your application is being processed, we will keep you informed regularly about the current progress.

1. The Applicant
a. Name of the applicant, as listed in the Trade Register:
b. Full address (including postal code):
c. Address for correspondence (P.O. Box and postal code):
d. Bank account number and name of bank:
e. Group of which the applicant is part (name of ultimate parent company):
f. Name and position of applicant's contact:
Telephone:	Telefax:	Email:
Name and address of insurance broker: (if involved)

2. The Lessee
(It is advisable to include any (business) information you may have on the buyer (e.g. annual reports).
Name of the lessee in respect of whom you are running a credit risk:
Address and country of the lessee:
Telephone:	Telefax:	Email:
Is the lessee a public body?	Yes No
Name and address of the lessee 's bank:
e. Have you concluded transactions with this lessee before? (See explanatory note)	Yes No
Have all payments in respect of these transactions taken place on time?	Yes No
(If not, please explain)
What has been your general experience with this lessee in the past?

3. The Lease Agreement
(See explanatory notes)
a. Has the lease agreement with the lessee in respect of whom you are running a non-payment risk already taken effect? (See also question 10a)	Yes No
Date:
Have you experienced yet unforeseen circumstances when carrying out the preparation for the work? (See explanatory notes)	Yes No
b. If the contract with the lessee is to be or has been concluded by a third party, what is his name and address?
Where applicable, the information requested below should relate to the contract between the third party stated and the lessee. Please give further particulars of the contract between you and that third party in an annex. (E.g. the composition of your cost price)
c. If you are not running a credit risk in respect of the full amount, how large is the part in respect of which you are at risk?
%	of the contract price with the lessee
d. Who are the other parties running a credit risk in respect of the lessee?
Name:	Country:	for :	%
Name:	Country:	for :	%
Name:	Country:	for :	%
e. Description of the goods to be supplied to the lessee:
capital equipment:
services:
f. Is the capital equipment manufactured / are the services provided entirely by yourselves (=applicant)?	Yes No
If not, please explain and name the manufacturer/service provider.
g. What is the destination of the capital equipment / services?

4. Disposal of the assets to the lessee
(See explanatory notes)
a. Where and how does transfer and acceptance of the asset/services take place according to the lease agreement?
with regard to the asset:
with regard to the services:
b. Does the lease agreement contain provisions with respect to the transfer of the asset/services to take place all at once or in parts?
with regard to the asset:
with regard to the services:
c. Latest dates by which the asset/services have to be put at the disposal of the lessee, according to the lease agreement?
with regard to the asset:
with regard to the services:
d. The leasing is (to) an expansion or modification of an existing project in the same location. The leasing is (to) a new project The leasing is a stand-alone transaction (See explanatory note 4d)
e. What is the name of the project of which the transaction forms a part?
Please provide information on the project and the contribution of your lease transaction to it.

5. Price
a. What is the contract price agreed with the lessee?
with regard to the asset:
with regard to the services:
b. Does the contract provide for the price to be adjusted, in order to take account of possible rises in wages and/or prices ? (See also question 6c)	Yes No
(If so, please explain):
c. Does the contract contain a provision for payment for change orders? (See also question 6d)	Yes No
(If so, please explain):
d. Does the contract price include substantial Research & Development costs and/or licences? (See explanatory note)	Yes No
If so, what percentage of the contract price relates to these costs?	%
e. What is the expected amount for which the asset can be sold to third parties in case the goods are not transferred to the lessee?
f. Does the lease agreement provide for a purchase option for the lessee, to buy the asset at the end of the lease period?	Yes No
(See explanatory note) If yes, for what amount?

6. Lease Payment
a. In what instalments and on what dates must the contract price be paid?
with regard to the asset:
with regard to the services:
b. In what currency and to what place must the agreed contract price be paid? (If relevant, please indicate what exchange rate should be contractually applied):
Currency:	Place:
Has a legally valid conversion / transfer licence been obtained for currency that is non-transferable, either in whole or in part?	Yes No
If so, do you require cover for the transfer risk for this non-transferrable currency (limited transfer cover)?
If so, for what part of the contract price? (See explanatory note)
c. In what instalments and on what dates must the amount that results from change orders be paid?
d. In what instalments and on what dates must the price for the work carried out over and above the terms of the contract be paid?
e. Do you charge interest to the lessee until the due date?	Yes No
f. What interest rate has been agreed?
%	per year, chargeable from	(date)
g. Is the interest rate calculated on an annuity basis? Yes No
h. Is interest calculated in each case on the total outstanding amount, as a result of which the interest payments decrease?	Yes No
(If not, please explain):
On what dates must the interest payments be made?

i. Are there any other financial costs included in the lease rentals?	Yes No
If yes, please explain.
j. Do you want to include interest on arrears in the insurance? (This is only possible if you have explicitly agreed on interest on arrears with your lessee in the contract) (See explanatory note)	Yes No
If so, at what percentage per year?	%

k. Are you liable to tax in the country of the lessee on the interest paid by the lessee?	Yes No
If so, at what percentage per year?	%
7. Security
a. Do you require security for the payment? (See explanatory note)	Yes No
b. What form of security for credit risk is agreed? (e.g. guarantees, letter of credit, mortgage, retention of title)
c. Which part of the contract price is covered by the above-mentioned security?
d. When must this security be provided?
e. Name and address of the parties providing the above-mentioned security:

8. Composition of Contract price
a. What is the value of all deliveries not originating from the Netherlands, expressed as a percentage of the contract price?	%
1. Are there any deliveries from a single third country with a total value of more than 30% of the contract price?	Yes No
- If so, from which country?
- For what percentage?	%
2. Which part of these deliveries originates from one or more of your group companies abroad?	%
b. What is the value of the national content, expressed as a percentage of the contract price (= 100 – the answer of question a.)? (See explanatory notes)
%
c. What percentage of this contract price relates to expenditure or deliveries, originating from the country where lessee is located? (See explanatory notes)
%
d. What is the total net profit related to this transaction?
e. What proportion of the contract price represents commission and/or other fees and what is the nature of these commissions/fees?
1. name, address and position of the party to whom the commission/fees must be paid:
On what dates must the commission/fees be paid?
3. Are you bound to pay the commission/fees in all circumstances, e.g. including if the lessee does not pay?	Yes No
4. Which activities are being performed by the agent for the commission/fees it receives?

9. Requested cover
(See explanatory notes)
a. Do you wish to partially or fully transfer the part not insured (own risk)?	Yes No
If so, what part and to whom?
b. Do you require a promise for the issue of Direct Guarantees to your bank for bills of exchange or promissory notes to be discounted by this bank?
Yes No
c. Does the lessee, according to the lease agreement, require you to provide one or more bank guarantees under the contract? (See question 9f)	Yes No
If so, what guarantees:
d. Do you require these guarantees to be insured as well? (Additional Cover) (Questions 9e and 9f also relate to this point.)	Yes No
e. If you require Additional Cover, please complete the following table.
Type of guarantee	Amount	Duration in months	From	Exposure type*
Advance-payment bond
Performance bond
Maintenance bond
*Linear / Progressive / Regressive
f. Does your bank require a Counter-guarantee for the guarantees mentioned above?	Yes No
g. Do you wish to limit the cover to “Limited Cover”* and/or Expropriation Cover?	Yes No
*Cover is provided for a revolving limited number of instalments only.
h. Which cover do you require?	political and commercial political only commercial only

10. Corporate Social Responsibility
I Bribery
(See explanatory notes)
a. Are you aware that in connection with the contract to which this application relates - any payment or donation has or will be given or offered; - any pledge has or will be made; - any service has or will be performed or offered; - any benefit of whatever nature (including intangible benefits and benefits in kind) has or will be awarded, pledged or offered, by you or by another person to persons who are in the public service of a foreign state or public international body, whether or not this is dependent on the fulfilment of a further condition or conditions, which payment, donation, pledge, service or benefit could be interpreted in such a way that bribery or attempted bribery has taken place or will take place, or at least that an attempt has or will be made in an improper manner to obtain a competitive advantage, a better negotiating position, more favourable contract terms, or any other benefit?
Yes No
b. Are you listed on one of the publicly available debarment lists of the following international financial institutions: World Bank Group, African Development Bank, Asian Development Bank, European Bank for Reconstruction and Development and the Inter American Development Bank?
Yes No
c. Are you, or anyone acting on your behalf in connection with the transaction, currently under charge in a national court or, within a five-year period preceding the application, have you been convicted in a national court or been subject to equivalent administrative measures for violation of laws against bribery of foreign public officials of any country?
Yes No
II Information Supply Chain
(See explanatory notes)
d. Are you familiar with the Dutch policy on supply chain management as part of the Dutch Corporate Social Responsibility (CSR) policy and the expectations for Dutch enterprises? (for more information (in Dutch): Nederlands Beleid Ketenverantwoordelijkheid)
Yes No

e. How is this being applied within your organisation? (If not yet in our possession, please provide us with a current copy of your purchase policy and/or relevant CSR procedure.)
f. Who are the most significant sub-suppliers (not including agents or distribution companies) for the transaction (maximum 5)?
Name Supplier	Goods/Services	Land of origin
III Environmental and social aspects
Before answering these questions, please read point 4a and 4b on the cover page to determine if you need to complete this section. In case the contract price is less than EUR 10 million, but it concerns a sensitive sector, or the transaction, or project of which the transaction is part of, is located in a sensitive area we will request you to complete these questions. (See explanatory notes for question 4e and 10j). If this is not the case, please continue with question 11.
g. Correct address, place and description of the location where the goods and/ or services will be used: (Please provide us with a detailed map of the location.)
h. As or for what is the location currently used where the goods and/ or services will be used?
Urban
Industrial
Agricultural
Greenfield
Other, please specify:

i. To which sector will the asset be transferred?
Mining, oil and gas exploration
Iron and steel
Petro-chemicals
Energy production and distribution
Land reclamation and dredging
Dams and hydro-electric equipment
Other infrastructure and civil engineering
Large-scale agri- or horticulture
Other sectors (e.g. industrial site), please specify:
j. What type of sensitive location could face an adverse environmental impact from the use of goods/services to be delivered or the work to be performed? (Please mark all relevant boxes)
Delivery location	Effect area
Semi-arid or desert margins
Tropical or sub-tropical rainforest
River deltas, coastal areas, mangroves or coral reefs
National parks
World Heritage List/World Biosphere Reserve areas
Rare/threatened species’ habitats
Areas of very high population density
Areas of archaeological significance
Areas with indigenous peoples
Other sensitive location, please provide details:

Environmental and Social Impact Assessment
k. Does the transaction and/or project you are supplying to have an analysis of its environmental and social effects and associated preventive measures, e.g. an Environmental Impact Assessment, an Environmental Impact Statement or Social Impact Assessment? (See explanatory notes)	Yes No (If yes, please provide a document written in English or Dutch)
l. If yes, what is the status of the impact assessment report:
- In progress
- Draft version available
- Approved by	(name organisation) (date)
And is the impact assessment public?	Yes No (If no, this could lead to a delay in your application)
m. Is for the transaction and/or project a management plan developed (ESMP) covering measures to mitigate potential negative environmental and social impacts? (See explanatory note)	Yes No (If yes, please provide a document written in English or Dutch)
n. Will there be resettlement as a consequence of the delivery to the project?	Yes No
o. As far as you know could your lessee be involved in or could the project involve: (See explanatory note10o) child labour? compulsory labour? restrictions in freedom of association and collective bargaining? discrimination? (If one of these questions has been answered ‘Yes’, please explain)	Yes No Yes No Yes No Yes No
Does your transaction and/or the project apply applicable environmental standards and management systems (e.g. ISO 14001, VCA or OSHAS 18000)? If yes, please specify.	Yes No
q. What standards do the techniques used meet? Please give details. (e.g. Best Available Technique (BAT)).
Environmental and social legislation and standards
r. Which local and international environmental and social legislation and/ or standards are applicable for the transaction/ project? Please specify and add an annex if needed.
s Who is the competent authority that verifies whether the transaction and/or project comply with the applicable legislation and/or standards? Please specify and add an annex if needed.
t. What kind of environmental permits are or will be granted? Please provide details permit name, competent authority and date the permit was or will be granted. If needed you may provide this information in an annex.

11. Miscellaneous
a. This application relates to: (See explanatory note question 3a)	a Promise of Cover (if the contract has not yet taken effect).
an Insurance Contract (if the contract has already taken effect).
a pro-forma application to support an application of the financing bank.
b. If a Promise of Cover has already been given for this transaction, what is its number?
c. Will a bank provide a loan to the lessee in connection with this transaction? (See explanatory note)	Yes No
Is it the intention that this loan be insured by means of a Buyer Credit Policy?	Yes No
(If so, your bank should also submit an application to us as soon as possible)
If particulars of any loan do come to your attention at a later stage, please inform us about this instantly. (See also the third indent under "Signature" below!)
d. Has an application for a grant, aid financing or any other subsidy been submitted to the Dutch Government for this transaction, or will one be submitted, for the purpose of paying the lease price or the interest either in whole or in part or of reducing the contract interest payable?* (If so, for what proportion of the contract price, and what is its reference number? (See explanatory note) )	Yes No
Amount:	Reference number:
e. Is the transaction/project being partly being financed by the World Bank or another multilateral development bank or is, in addition to Atradius, another export credit insurer involved? If so which?	Yes No
f. Do you object to consultation with foreign export credit insurers and/or authorities which are competent in matters of credit insurance?	Yes No
If so, please explain. (See explanatory note)

g. Are you aware of any facts or circumstances, about which information has not been requested specifically above, but that may be relevant to an assessment of the application by Atradius?	Yes No
If so, please explain.

12. Signature
The undersigned declares:
that the questions in this form have been answered correctly and completely and that no circumstances of importance for the assessment have been concealed;
that the information provided in this application form gives a true and complete picture of the non-payment risks involved in this transaction, as known to him at the time of submission of this application;
that he will notify Atradius without delay in writing of any fact or circumstances which become known to him after the submission of this application and which may be relevant for the assessment of the application; (See explanatory note)
that in connection with the awarding and the performance of the lease agreement to which this application relates he has and will at all times refrain from bribery, as referred to in question 10a of the application form and the explanatory note thereto, and from inciting or being an accessory to such bribery;
that he has taken note of the OECD Guidelines for Multinational Enterprises and will endeavour to apply these in his business to the best of his ability; (See explanatory note)
the information provided in this form is a full and accurate picture of the environmental and social impact associated with this transaction, as known to him/her at the time the application was submitted;
- he/she will immediately notify Atradius in writing of facts and/or circumstances which become known to him/her after submission of this form and which could be significant for the assessment of the environmental and social impact.
Incomplete or inaccurate information in this form may result in a delay of processing the application. If, before issuing the policy, it appears that you were or should have been aware of not reported facts or circumstances which were relevant for the assessment of the application, this may result in a laps of entitlement to indemnity or reclamation of compensation paid.

Place/ Town :
Date :
Name :
Signature :
The officer who signs this application should be competent and duly authorized to commit the applicant to at least amounts of the same order of magnitude as the amount of the transaction to be insured.
If your transaction is classified as an A-project, the project as well as the environmental and social information or a summary of this will be made publicly at least 30 calendar days before the issuing of the policy.
If your application results in a policy being issued, Atradius will publish certain information about your transaction on its web site one month after the date of issue of the policy.

Explanatory notes to the questions on the application form entitled "Leasing/expropriation risk "

Question 2e and g:	When answering these questions you must also state the experiences of other group companies with the lessee of which you are aware, and/or your own experiences or experiences of other group companies of which you are aware with enterprises affiliated to the lessee.
Question 3:	An insurance contract (policy) may be applied for if a lease agreement with the lessee has taken effect. A lease agreement may have been signed but not yet have taken effect because it includes certain conditions precedent. In the absence of such conditions, the lease agreement may generally be said to take effect on signing. In most cases, your application will relate to a lease agreement which has not yet taken effect; in that case, your application relates to a promise of cover.
Question 3a	It may be the case that during the preparation for or the performance of the work you have already experienced circumstances of which you are aware or suspect that they will or may hinder the performance of the work in some way and/or will or may lead to a substantial increase in the costs. If this is the case, you must declare these unforeseen circumstances.
Question 3b, c and d:	If you conclude a lease agreement jointly with other companies or if you are working together with other companies, it is possible that the lease agreement has been concluded not only at your expense and risk but at the expense and risk of more than one company. If that is the case, you should state in answer to question 3c what percentage of the contract price has been concluded at your expense and risk.
Question 3e and f:	If you are a subcontractor running a risk not in respect of your direct lessee but in respect of the person with whom your lessee concludes a lease agreement, Atradius must know about all of the capital equipment or services which come under the overall lease agreement with the ultimate lessee. You should therefore describe the overall lease agreement in answer to the questions relating to price (see 5).
Question 4a, b and c:	You should describe here how the transfer of the asset and delivery of the services shall take place. This means the moment when the capital equipment / services physically transfers to the lessee’s premises. That may be when the capital equipment has received approval from the relevant authorities and/or is accepted by lessee (receipt of a takeover/acceptance certificate), all as set out in the lease agreement. Physical transfer in case of lease is different from the time when the transfer of title may take place, which usually will be at the end of the lease period (in case of financial lease).
Question 4d:	Project: the smallest autonomous unit of technically, operationally and organisationally related work and activities, making full use of the goods and services supplied in this export transaction.
Question 5d:	When insuring the pre-credit risk, it is important which part of the manufacturing costs relates to specific Research and Development costs or licences. If this comprises more than 20 % of the contract price, please state the requested information here.
Question 6b:	The limited transfer risk is the risk of hard currency not being received in the Netherlands after the local currency has been converted into hard currency. We would draw your attention to the fact that the conversion risk and the related exchange rate risks, in that case, are excluded from this cover.
Question 6j:	The insurance contract only covers interest on arrears if and insofar as - the interest relates to instalments included in the calculation of indemnification and - the lessee has expressly undertaken to pay that interest by means of a separate provision in the lease agreement.
Question 7a:	If security from third parties (letter of credit, guarantee, etc.) is required in the context of the risk underwriting, the insurance contract (policy) will contain, as a condition for indemnification, the provision that all conditions for payment under such security should be fulfilled. This includes those conditions the fulfilment of which requires the co-operation of other parties or bodies - such as the lessee or a verification office. The risk that the conditions will not be fulfilled due to fault or omission on the part of those parties or bodies is not covered by the insurance.
Question 8b:	For the purpose of the assessment, it is important to know the size of the national content. If this is not yet (fully) known at the time when the application form is being filled in, you may give an estimated maximum on which we will provisionally base our assessment. National content should be understood as meaning the difference between the contract price (excluding the financing costs of the transaction) and the price of all goods and services obtained from abroad.
Question 8c	Local expenditure should be understood as meaning: Expenditure incurred by you in the lessee's country, such as payment for materials purchased in that country, for staff recruited locally or for the staff's accommodation expenses. 2. Loan granted to the lessee in order to finance his own expenditure, insofar as it is necessary for the performance of the lease agreement (e.g. the construction of buildings in which the goods to be supplied by you are to be located) or, in a broader sense, for the project of which this lease agreement is part.
Question 9b:	A Direct Guarantee is an irrevocable, practically unconditional undertaking on the part of the State of the Netherlands vis-à-vis the bank discounting bills of exchange or paying an advance under a letter of credit with extended payment terms. If sums in bills of exchange or promissory notes discounted, or advances paid under letters of credit, without recourse against the supplier, which sums or advances come under the Direct Guarantee, have not been paid by the end of the waiting period, the discounting or advancing bank will receive payment for the cover percentage of those sums or advances. It is possible that you may not be entitled to indemnification on the basis of the insurance contract (policy) because you have not complied with all of the obligations arising from the lease agreement with the lessee. In that case, you are obliged to refund the indemnification paid to the discounting or advancing bank (the State of the Netherlands’ right of recourse).
Question 9d:	Additional Cover provides you with protection against the risk of the lessee or another beneficiary calling the guarantee wrongfully (for example, for political or economic reasons) and of you then having to compensate the guaranteeing bank. Calling may also be connected with disputes about the performance of the lease agreement. If it has been stated in a judicial or arbitral decision that the guarantee has been wrongfully called, this is also covered by the Additional Cover. Because such decisions often take a long time, Atradius, on behalf of the Government of the Netherlands, may pay you an advance indemnification in the event of a dispute, provided that it has been proven to the satisfaction of the Government of the Netherlands that the guarantee was wrongfully called. If it later emerges, however, that the guarantee was rightfully called the advance indemnification will of course have to be repaid (right of recourse for the Dutch State).
Question 9e:	In principle, it is not possible to insure a guarantee which expires later than 12 months after the transfer of the goods to the lessee.
Question 9f:	A Counter-guarantee automatically entitles the guaranteeing bank to a refund of the amounts paid out under the guarantees insured by the Government of the Netherlands. The issue of the Counter-guarantee to the bank by the Government of the Netherlands results in your credit facility remaining unaffected for the amount of the Counter-guarantee. A Counter-guarantee may be issued to the bank only if Additional Cover has also been given and if the conditions for the issue of the Counter-guarantee have been fulfilled. Within 6 months after the Government of the Netherlands has paid the bank on the basis of the Counter-guarantee, you should repay that amount (the Government of the Netherlands’ right of recourse). This may also be earlier if it is established that you are not entitled to indemnification in accordance with the Additional Cover.
Question 9g:	For leasing the Government of the Netherlands offers two kinds of cover; full cover and limited cover. The policy that offers full cover resembles to a large extent the existing cover for capital goods sold on medium/loing term credit. In the policy for limited cover, the cover is limited to the amounts that must be paid in the first nine months. If the payments are received on time, the cover will include each next payment (revolving character). This type of cover is mainly meant for operational lease, but can also be used for financial lease if for instance not the whole period of the lease agreement is covered. From a lease contract two risks could result; the lessor may not be paid and there is the risk that the lessor cannot reclaim the asset – that he owns- because it has been expropriated during the lease period. This expropriation risk may be insured separately or together with limited cover. In a policy for full cover this risk is already insured.

Question 9h:	Political risks are: - Moratorium - Transfer problems - Conversion problems - Force Majeure - Government Interference - Default by a public buyer Commercial risks are: Insolvency
Question 10a:	the Government of the Netherlands will under no circumstances become involved in transactions in which bribery has taken place, bribery being interpreted for this purpose in the broadest terms. The question includes a list of forms of bribery that is not exhaustive. Even if the bribery concerned is a form of bribery that is not listed explicitly, or if you have reasons to suspect that there may be question of such a form of bribery, you must declare this bribery in your answer. Please note that the question also relates to bribery (in the broadest terms) by persons other than the applicant and of persons other than the principal. In any case, you must explain an affirmative answer so that the Government of the Netherlands is able to consider whether to enter into an insurance contract with you. We would draw your attention to the fact that bribery of foreign officials is also expressly prohibited by sections 177 and 177a in conjunction with 178a of the Penal Code (Wetboek van Strafrecht). In the event there is suspicion that bribery has nevertheless taken place, the Government of the Netherlands reserves the right to report this suspicion to the Dutch investigative authorities.
Question 10b and c:	One of the agreements within the OECD is the Convention on Combating Bribery of Foreign Public Officials in International Business Transactions. In this context Atradius has committed itself to ask these questions. If you have answered one of these question with “Yes” we will undertake enhanced due diligence.
Question 10d To 10f:	As part of the implementation of the Dutch CSR policy and particularly supply chain management, we will ask you about your suppliers. Information is sought on the most important and direct suppliers (no distributive trade companies) over which you have control or influence when large quantities of natural resources are involved. This follows the GRI Boundary Protocol that stipulates: “All relationships over which the company exercises control or significant influence over operating and/or financial policies”. In case the information provided identifies issues in the supply chain a follow-up inquiry will be considered and a further review may take place.
Question 10g to 10t:	The information provided for the review of environmental and social effects will be reviewed against national legislation of the country where the goods and/or services will be used and against international guidelines as laid down in the “Common Approaches” (OECD guidelines) The “Common Approaches” protocol prescribes how applications should be classified and reviewed. The applied international guidelines are the relevant aspects of the IFC Performance Standards, multilateral development bank or EU guidelines. In addition relevant aspects of any internationally recognised sector specific or issue specific standards can be applied to the transaction/project in case these are not addressed by the World Bank. Reviews of transaction and projects with potential significant adverse impacts are reported within the OECD to ensure the level playing field for applications within member countries. A further explanation of Atradius Dutch State Business’ approach on CSR can be found in the CSR brochure: http://www.atradius.com/nl/en/dutchstatebusiness/downloads/milieubrochure.jsp
Question 10i:	This question refers to the sectors as listed in Annex 1 of the “Common Approaches”. NB Annex 1 is an illustrative list and therefore does not cover all sensitive sectors.
Question 10j:	Sensitive locations include national parks and other protected areas identified by national or international law, and other sensitive locations of international, national or regional importance, such as wetlands, forests with high biodiversity value, areas of archaeological or cultural significance, and areas of importance for indigenous peoples or other vulnerable groups (see “Common Approaches”, Annex 1 point 26).
Question 10k and m:	Environmental Impact Assessment (EIA): an environmental impact report drawn up by an independent internationally-recognised environmental consultant in accordance with international guidelines. Environmental Impact Statement (EIS): an environmental statement with commentary. This statement has to be prepared on the basis of research results and at least state in quantified terms what the environmental effects are, how long they are expected to last and the measures taken to mitigate the adverse effects. Social Impact Assessment (SIA): a social impact report drawn up by an independent internationally-recognised environmental consultant in accordance with international guidelines. Environmental & Social Management Plan (ESMP): a management plan (based on an EIA and SIA) drawn up by an independent internationally-recognised consultant concerning the implementation of measures to mitigate the negative environmental and social effects.
Question 10o	In the application form questions are being asked about the four core labour standards: freedom of association and collective bargaining, elimination of forced and compulsory labour, elimination of discrimination in respect of employment and occupation and abolition of child labour. In the review of the transaction/project all ILO labour standards, in so far as relevant, will be reviewed. The other ILO labour standards are: disciplinary practices, health and safety, working hours, and remuneration. If a well-founded concern exists that the labour standards will be violated in the project the application will be rejected. This is the policy of the Dutch Government.
Question 11c:	the Government of the Netherlands may also have to exercise its right of recourse by virtue of the Buyer-Credit Policy. This is because the Government of the Netherlands also has to pay indemnification to the bank if the failure to repay the loan is connected with a dispute about the performance of the lease agreement. If it is later established by law that the borrower's (lesseer's) failure to pay is a consequence of the fact that you have failed to comply fully or by the due date(s) with your contractual obligations vis-à-vis the buyer, you are obliged to repay the indemnification paid by the Government of the Netherlands to the bank. In regard to this question, we are also interested in uninsured loans provided by a bank to the borrower (lessee) for which you have provided security in any manner (known as side-financing).
Question 11d:	In your answer you must specify all subsidies that the Government of the Netherlands may provide in response to your application or is providing for the payment of the contract price or the interest or which may lead to a reduction in the contractual interest itself.

Question 11f:	By virtue of international agreements in the context of the EU or OECD, the Government of the Netherlands is not allowed to take certain decisions, in particular decisions to insure a loan having a term in excess of 5 years, without first having consulted the foreign credit insurers and/or the authorities which are competent in matters of credit insurance. Information about the scope and nature of such consultation may be obtained verbally from Atradius.
Question 11g and 12:	Based upon your answers to the questions in this form, Atradius and the Government of the Netherlands will consider whether and if so, on what conditions, the Government of the Netherlands will enter into an insurance contract with you. You should bear in mind that facts and circumstances may also be relevant even if you are not asked explicitly to provide information regarding these facts or circumstances and in your answer to this question you must therefore declare these facts or circumstances. If it is found later that you were aware or ought to have been aware of facts or circumstances that you have not declared and that might have been relevant to an assessment of the application by Atradius, this may result in the negation of the Promise of Cover or the Insurance Contract. Should you become aware of facts or circumstances that may be relevant to an assessment of the application after you have submitted the application, you must notify Atradius in writing of such facts or circumstances as soon as possible. If it is found later that you were aware or ought to have been aware of such facts or circumstances after the submission of the application, this may result in the negation of the Promise of Cover or the Insurance Contract.
Signature:	The Government of the Netherlands aims to promote socially responsible business practice and therefore asks businesses that make use of export credit insurance facilities to issue a declaration of intent to apply the OECD Guidelines for Multinational Enterprises to the best of their ability. You may consult the OECD Guidelines via the Internet (www.oesorichtlijnen.nl). You may also request a copy of the guidelines from Atradius Dutch State Business .
Important information on the public nature of the information - If a transaction after receiving the form is classified as an A-project (a project with potential significant adverse impacts), the project information (project name, location, project description and contact details) will, a soon as a possible but at least 30 calendar days before the issuing of the policy, be made publicly available . Information on the environmental and social effects or a summary of this will also, a soon as a possible but at least 30 calendar days before the issuing of the policy, be made publicly. - Publication and release of aforementioned information to third parties is a requirement under the Dutch legislation and forms part of international agreements. - Only in exceptional cases, based on well-founded objections provided by you could information or parts of the information will not be published or its publication will be postponed. This at the discretion of Atradius Dutch State Business. - Atradius Dutch State Business could use the provided information to meets its reporting obligations following from national and international agreements. The information that Atradius will publish about your transaction once it is in effect will be: - The country of delivery, the name of the exporter and any lender, a brief description of the transaction, - The maximum indemnification payable, the name of the buyer (lessee) and any guarantor, the results of the environmental and social review and any aid finance provided by the Government of the Netherlands. The period of one month after the issue of the policy set for publication of this information may only be deviated from in the case of very material interests, which shall be at the discretion of the Government of the Netherlands.