Hi. I need replies to these posts. 1. The benefits of EXIM Bank for exporters are that it reduces their risk exposure when conducting international business, and it allows them to be competitive and aquire business globally. Without EXIM, some exporters would not have the working capital to make sales to foreign buyers on credit terms. However, there are some elements about EXIM Banks that are critisized. Particularly the fact that they tend to skirt the guidelines provided by the Organization for Economic Cooperation and Development (OECD). The primary goal of EXIM Bank is to promote the export of domestic goods to help local producers and the country's economy. This type of funding can create unfair situations between competitors. ''The obvious criticism of the ExIm Bank is that it is a form of taxpayer-funded charity whereby the government picks the commercial winners and losers'' (FT.Com, 2014 2. The Export-Import bank of the United States (EXIM) is a government agency that supports US exports by financing and insuring exports of goods. EXIM has a variety of programs created for exporters. Programs can be tailored based upon the amount of the transactions and can be established as a direct loan or loan guarantee. In early 2016, EXIM bank was accused of being another bureaucratic governmental agency providing little or no economic value. Some critics from the environmental community have claimed that EXIM provides loans on projects that harm the environment, such as oil drilling, coal fired plants, etc. Other criticisms have cited that the bank benefits a small number of large organizations and countries that do not need financial support from loans and insurance. Another criticism is that some EXIM foreign loans have contributed to the detriment of domestic industries. The EXIM support for small business has been declining since the bank was fully restored in 2019. Small businesses account for 98% of all exporting firms, and they are growing the value of their exports without EXIM financing (Durkin, 2017). Some of the benefits for exporters are that EXIM provides an insurance policy for US exporters to protect their foreign receivables from the commercial international risks. Small business exporters can benefit from the cash flow by a Working Capital Loan Guarantee. EXIM supports exporters to secure performance and bid bonds necessary to win projects. Exporters can benefit from the expertise of EXIM, especially when they are starting in the exporting global trade business