Atradius Bonding
Multinational bonds provider
with local service orientation

Secure your perfomance,increase your liquidityand boost your businessdevelopment with
Atradius Bonding

In today’s challenging and constantly
changing business environment,
managing market risk is crucial. It
is vital that you ensure your ability
to fulfil your contractual obligations
in order to maintain a positive
relationship with your partners andgrow your business.
Industries such as construction arefilled with risk, and even capable andwell-established contractors can face
unexpected difficulties. Throughout
the years, Atradius has provided
comprehensive and reliable products
and services to help manage thoserisks.

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Atradius Bonding

We appreciate and understand firsthand the challenges and economic
risks that make bonding, and theprotection it provides, a necessity.
Our promise is simple: we will help
you secure your performance andsupport your business development
by working with you, your way. We areable to craft tailor-made solutions that
fit your needs and strategies.

Pietro Lanzillotta
Atradius Bonding Director

Bonds are an importantpart of your business
A bond is an agreement that provides
monetary compensation to thebeneficiary if you, the principal, failto meet your contractual or legal
obligations.
Bonds are a valuable alternative tobank guarantees and cash retention,
as well as an effective way to increase
your capital base. Bonds secure
your performance without requiring
you to provide tangible assets, thus
enhancing your liquidity.

Bonds provide several benefits Secure your performance.
 Increase your credibility andimprove your relationship withyour partners.
 Increase your liquidity andflexibility. There is no impact on
your bank limits.
 There is no need to provide
tangible security. This can free up
your working capital and allow you
to undertake new projects.

Atradius Bonding

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Atradius is a leading bond provider
in Europe
At Atradius Bonding, we serve a wide
portfolio of businesses of all sizes
across a wide range of industries,
looking for a unique bonding
partner to support them locally andinternationally.
The knowledge and reputation of thepeople who work at Atradius Bondingare vital to our success. We havelong-standing bonding expertise, deep
local market knowledge and the abilityto seize niche market opportunities.
We have grown steadily over the last
decade and earned the trust of majororganisations, which has propelled us
as a leading bond supplier in Europe.

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Atradius Bonding

Multinational provider with local
service orientation
Atradius Bonding is active and canissue bonds directly in 12 European
countries: Belgium, Denmark, Finland,France, Germany, Italy, Luxembourg,Netherlands, Norway, Portugal, Spainand Sweden. Bonding requests related
to other countries are evaluated on acase-by-case basis.
We have a dedicated team that
identifies international business
opportunities and harmonises theAtradius proposition to internationalcustomers. One of our strategic
priorities is to further develop

domestic and international businessin order to maintain our position
as a leading international bonding
provider and to meet our customers’
expectations of a pan-European lineof bonds. In addition to continuously
looking for opportunities to cooperatewith banks, we also strengthen ourrelationships with brokers on aninternational level, to further provide
cover for risk and develop distribution.

Customer-focused culture
At Atradius Bonding, we are constantly
monitoring the markets we operatein, seeking new opportunities andoffering flexible solutions that meetthe needs of our customers. Building
a strong portfolio and maintaining
good customer relationships are key
priorities for us.

Wide range of bonding products
We work with different industries
and maintain relationships with awide range of companies by providing
niche products, online services andknow-how to our customers. We areactive in various sectors, primarilytransportation, construction, logistics,
capital goods manufacturing, importand export, and food and beverage. In
addition to those traditional industries,
we also see demand growing in
new sectors such as environmental
services.

“Atradius has become a strong
partner within the Vinci Construction
France financial framework,
competing on equal terms with ourhistoric bond suppliers.”- Tony Carron, Vinci Construction France

We offer various types of bonds,
including bid bonds, performancebonds, advance payment bonds,
payment bonds, maintenance bonds,
custom bonds, compliance and othercommercial bonds, judicial bonds,and EU bonds/contribution bonds.
Our wide range of bonding products
enables you to select the most ideal,customised solution for your businessand puts you in a stronger financial
position when dealing with yourbusiness partners.

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Examples of standard bonding
products and how they work for yourbusiness
Imagine that you are a construction
contractor and want to participate in agovernment project. First, you need abid bond in order to participate in thetender. A bid bond insures the originalbid, guaranteeing the project owner(the beneficiary) that you are able
to enter the contract at the bid pricestated and to provide the required
performance and payment bonds if
you are awarded the contract.

You might need to request somefunds in advance in order to meet yourstart-up or procurement costs. In thiscase, you need an advance paymentbond, which guarantees a refund
to the project owner if delivery orperformance does not take place.
To insure project quality and protect
against problems with defective
materials or workmanship, you need amaintenance bond.

Upon winning the tender, you needa performance bond to secure thecontractual obligations of yourperformance as it relates to agreedupon conditions (e.g. price, timeline
and quality).

Facts and figures

Extra Support Image
Needed6Atradius Bonding We have more than 50 years ofexperience in the surety market.
 We support more than 55,000customers.
 We issue more than 400 types ofbonds.
 We issue more than 140,000 new
bonds per year.

Flexibility and customisation
We know that no two businesses
are the same. That is why we design
solutions for businesses of different
sizes and types, always with the aim ofsupporting your business performanceand guiding you towards profitablegrowth. With a flexible yet consistent
approach, we tailor our bonding
proposal to your business strategy andgoals, while still providing simplicity.
Our presence in local markets allows
us to customise policies and meet thebonding needs of local customers aswell as provide master policies andlocal services for our multinational
clients.

Commitment to innovation
Innovation is essential to our businessstrategy. As the bonding market
becomes increasingly technologicallyadvanced, we have made it a priority
to provide up-to-date products andtools for our customers. Our local web
portals enable you to efficiently handle
your bond and view our catalogue ofproducts. The web portals allow you
to access your policies and bond limit
information at the click of a button,
24/7.
In France for example, our customers
web-portal, CautioNet, allows us
to process 90% of bonds requests
automatically.

“With the CautioNet, Atradius
Bonding Web portal in France, we
saved time, improved our agility
and reduced costs.”- Jean-Philippe Negrevergne, Demathieu & Bard

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“Although Atradius is leading theinsurance-backed surety market
in France, our team of bonding
specialists is constantly innovating
to support our customers in France
and internationally through ourlocal branches. With our brokers
and partners supporting us, we areconfident in our ability to provide
best-in-class bond service to ourcustomers.”- Marc Cambourakis, Country Manager of Bonding France

We also provide a web-portal,
CautioP@rtner, to our brokers andpartners facilitating the managementof their clients’ bonding lines as well as
monitoring their commissions.
In Italy, our webportal Bond@Net
offers our customers new digitaltechnology such as digital signatureand online payment. This provides
safety, efficiency and transparency toour customers.

“We have used and are using theBond@Net program and we believe it isa useful tool to save time and money.”- 2P Asfalti S.R.L (Italian Construction company)

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“Bond@Net facilitates relationships
with our customers offering a very
effective IT platform closer to thebusiness and the ability to increase
productivity for all parties involved.”- Giuseppe D’Avenio, Country Manager of Bonding Italy

Our customers in Northern Europe
are using Guarantee@Net to request
bonds and manage write downs andreleases of their bonds. Furthermore,Guarantee@Net offers our customers
the opportunity to get an overview of
their bond portfolio and display theconditions for their bond facility withus.
In Spain, we offer our customers an
online tool, CyCaución, which is themost advanced online management
tool on the bonding market in Spain.
The tool is accessible by customers,
brokers and agents from any place, at
any time. Via CyCaución our customers
can manage their contract, requestnew bonds and follow up on theirstatus. Furthermore, we provide ourcustomers with free information on
tenders and awards via thePublic@ucion portal.
A financially sound guarantor
In today’s volatile economic
environment, it is vital that Atradiusremains financially strong to facepotential challenges. We are afinancially sound company with solid
growth and a good risk profile. We
ensure that our accessible capitalis more than enough to meet ourobligations. Steady revenues havesupported Atradius’s profits overrecent years, as well as good claims
ratio and solid cost control. Ourfinancial strength and stability arereflected in the strong credit ratings
assigned by A.M. Best and Moody’s, anindication of our strong competitive
position, good financial performance,robust capitalisation and low financial
leverage.

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Manage operational risk
and grow your businesswith Atradius Bonding

How does Atradius make a bonding risk
assessment?
Atradius Bonding combines your risk ofdefault with individual and independent
performance risks. Our experienced
financial underwriters assess yourability to provide the beneficiarywith recourse or compensation. Our
knowledgeable technical underwriters
assess your ability to perform on anindividual obligation taking into accountfactors such as national legislation, local
market standards and local trade sector
background. Two separately organised
underwriting teams produce opinions
and then collaborate on a joint decision,
allowing the maintenance of a wellbalanced portfolio.

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Atradius Bonding

Growth in the international marketplacecomes with inherent risk. Atradius
Bonding can help you do more than justmanage that risk and protect against
worst-case scenarios. We will work withyou to create a customised strategy
that helps you increase your credibility
with your customers, maintains yourflexibility and liquidity and, perhaps mostimportantly, gives you peace of mind,
freeing up your resources to grow yourbusiness and take on new projects.

Why choose Atradius?
 We can quickly and easily handle
your bonding needs.
 We create tailor-made solutions andoffer flexibility on bonding policy
wording.
 We have long-standing bonding
expertise and market knowledge toadapt to your needs.
 We will assist you with technical andfinancial advice that might prevent
default on your obligations.

In addition, Atradius offers…
 A wide range of products andservices offered by our specialised
trade credit insurance, credit risk
management and business debt
collections providers; A strategic presence in more than
50 countries.
 A range of publications to help you
stay up-to-date with the current
economic situation and the trading
outlook of major industries.

Visit our webpage to contact the local
Atradius team in your region and findout how we can support your business.

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Connect with Atradius@Atradius

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Atradius N.V.

www.atradius.com