The World BankLICENSE AGREEMENT FOR PUBLISHING CC-BY

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The World Bank

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Manuscript entitled:(the “Contribution”)

for publication in:(the “Journal”)(“Wiley”)

published by:published by the publisher identified in the Journal (“Wiley”) for itself or on behalf of the society or other organization
identified in the Journal as the copyright owner of the Journal (the “Owner”).
Dear Contributor(s):Thank you for submitting your Contribution for publication. In order to expedite the editing and publishing process and enable
Wiley to disseminate your Contribution to the fullest extent, we need to have this Agreement executed. If the Contribution is not
accepted for publication, or if the Contribution is subsequently rejected, this Agreement will be null and void. Publication cannot
proceed without a signed copy of this Agreement and payment of the appropriate article publication charge in full(without deduction of any taxes or fees).

A. TERMS OF USE
1. The Contribution will be made Open Access under the terms of theCreative Commons Attribution License (See Paragraph H below)
which permits use, distribution and reproduction in any medium,provided that the Contribution is properly cited.
2. For an understanding of what is meant by the terms of the Creative
Commons License, please refer to Wiley’s Open Access Terms andConditions (http://www.wileyauthors.com/OAA).
Notwithstanding acceptance, the Owner or Wiley may (but is notobliged to) require changes to the Contribution, including changes
to the length of the Contribution, and/or elect not to publish theContribution if for any reason, in the Owner’s or Wiley’s reasonable
judgment, such publication would be inconsistent with the CorePractices and associated guidelines set forth by the Committee
on Publication Ethics (a not-for-profit organization based in theUK: https://publicationethics.org/core-practices) or would result in
legal liability, violation of Wiley’s ethical guidelines, or violationof journal ethical practices. If the Owner (or Wiley, where Wiley
is not the Owner) decides not to publish the Contribution, noArticle Processing Charge or any other fee shall be charged. The
Contributor is free to submit the Contribution to any other journal
from any other publisher.

in the Journal (including any embedded rich media) and does notextend to any supporting information submitted with or referred toin the Contribution (“Supporting Information”). To the extent thatany Supporting Information is submitted to the Journal, the Owneris granted a perpetual, non-exclusive license to publish, republish,transmit, sell, distribute and otherwise use this Supporting Informationin whole or in part in electronic and print editions of the Journal andin derivative works throughout the world, in all languages and in all
media of expression now known or later developed, and to license orpermit others to do so.

D. COPYRIGHTThe Contribution was written by the Contributor in the course of theContributor’s employment as a “work-made-for-hire” and the World Bank
owns the copyright in the Contribution.

E. COPYRIGHT NOTICE
Owner (and Wiley, where Wiley is not the Owner), and the World Bank agree
that any and all copies of the Contribution or any part thereof distributedor posted by them in print or electronic format will include the notice ofcopyright as follows: “© [YEAR] International Bank for Reconstruction andDevelopment/The World Bank and a full citation to the final published versionof the Contribution in the Journal as published by Wiley.

B. RETAINED RIGHTS

F. CONTRIBUTOR’S REPRESENTATIONSThe World Bank retains all proprietary rights in addition to copyright, such as
patent rights in any process, procedure or article of manufacture described inthe Contribution.

The World Bank represents that: (i) it has the full power, authority andcapability to enter into this Agreement, to grant the rights and license
granted herein and to perform all obligations hereunder; (ii) it has notgranted exclusive rights to, or transferred its copyright in, any version ofthe Contribution to any third party; (iii) the Contribution isthe WorldBank’s original work, all individuals identified as World Bank Employee
actually contributed to the Contribution, and all World Bank Employees whocontributed are included; (iv) the Contribution is submitted only to this Journaland has not been published before, except in the World Bank working paper

C. LICENSE
Owner, Wiley (where Wiley is not the Owner), and users have nonexclusive rights under the terms of the Creative Commons Attribution
License. For the avoidance of doubt, “Contribution” is defined toonly include the article submitted by the Contributor for publication

series, has not been included in another manuscript, except for publicationby the World Bank and is not currently under consideration or accepted for
publication elsewhere; (v) if excerpts from copyrighted works owned by thirdparties are included, the Contributor shall obtain written permission from thecopyright owners for all uses as set forth in the standard permissions form
and the Journal’s Author Guidelines, and show credit to the sources in theContribution; (vi) the Contribution and any submitted Supporting Information
contain no libelous or unlawful statements, do not infringe upon the rights(including without limitation the copyright, patent or trademark rights) or
the privacy of others, do not breach any confidentiality obligation, do not
violate a contract or any law, or do not contain material or instructions thatmight cause harm or injury, and only utilize data that has been obtainedin accordance with applicable legal requirements and Journal policies; and(vii) there are no conflicts of interest relating to the Contribution, except
as disclosed. Accordingly, the World Bank represents that the following
information shall be clearly identified on the title page of the Contribution: (1)all financial and material support for the research and work; (2) any financial
interests the Contributor or any co-Contributors may have in companies orother entities that have an interest in the information in the Contribution
or any submitted Supporting Information (e.g. grants, advisory boards,
employment, consultancies, contracts, honoraria, royalties, expert testimony,partnerships, or stock ownership); and (3) indication of no such financial
interests if appropriate.

G. USE OF INFORMATIONThe Contributor acknowledges that, during the term of this Agreement andthereafter (for as long as necessary), the Owner (and Wiley, where Wiley
is not the Owner) may process the Contributor’s personal data, including
storing or transferring data outside of the country of the Contributor’s
residence, in order to process transactions related to this Agreement
and to communicate with the Contributor and that the Publisher has alegitimate interest in processing the Contributor’s personal data. By entering
into thisAgreement, the Contributor agrees to the processing of theContributor’s personal data (and, where applicable, confirms that theContributor has obtained the permission from all other contributors who
are World Bank Employee to process their personal data). Wiley shall comply

with all applicable laws, statutes and regulations relating to data protection
and privacy and shall process such personal data in accordance with Wiley’s
Privacy Policy located at: https://www.wiley.com/en-us/privacy.

H. OTHER
1.It is agreed between the Owner, Wiley and the World Bank that thefollowing disclaimer will appear next to the Contribution in the Journal:
This work is provided under a Creative Commons 4.0 Attribution International
License, with the following mandatory and binding addition:“Any and all disputes arising under this License that cannot be settled
amicably shall be submitted to mediation in accordance with the WIPOMediation Rules in effect at the time the work was published. If the request
for mediation is not resolved within forty-five (45) days of the request, either
You or the Licensor may, pursuant to a notice of arbitration communicatedby reasonable means to the other party refer the dispute to final and binding
arbitration to be conducted in accordance with UNCITRAL Arbitration Rules
as then in force. The arbitral tribunal shall consist of a sole arbitrator andthe language of the proceedings shall be English unless otherwise agreed.
The place of arbitration shall be where the Licensor has its headquarters.
The arbitral proceedings shall be conducted remotely (e.g., via telephone
conference or written submissions) whenever practicable, or held at the WorldBank headquarters in Washington DC.”
2.Any dispute, controversy or claim arising out of or relating to thisAgreement, or the breach, termination or invalidity thereof, which cannot beamicably settled between the parties, shall be finally settled by arbitration inaccordance with the UNCITRAL Arbitration rules as at present in force. Thelanguage to be used in the arbitral proceedings shall be English.
3.Nothing herein shall constitute or be construed or considered to be alimitation upon or waiver of the privileges and immunities of The World Bank,
all of which are specifically reserved.

I agree to the OPEN ACCESS AGREEMENT as shown above, consent to execution and delivery of the Open Access Agreement electronically andagree that an electronic signature shall be given the same legal force as a handwritten signature, and have obtained written permission from allother contributors to execute this Agreement on their behalf.					DateType or print name and title						Type or print name and title

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