Sporazum o saradnji između Vlade Republike Srbije i Vlade Sjedinjenih Američkih Država o unapređenju pristupa finansiranju za agrobiznis sektor u Republici Srbiji uz pomoć Garancije za kreditni portfolio

Član 1 Opis kreditne garancije

(1) Ministarstvo poljoprivrede, šumarstva i vodoprivrede Republike Srbije (u daljem tekstu: „Ministarstvo”), i Američka agencija za međunarodni razvoj (u daljem tekstu: „USAID”), u daljem tekstu zajedno: „Strane”, saglasni su da će podržati i podstaći kreditiranje banaka u agrobiznis sektoru u Srbiji, koristeći Državno telo za razvoj kredita Američke agencije za međunarodni razvoj (eng. Development Credit Authority), (u daljem tekstu: „DCA”).

(2) Strane podržavaju razvoj Garancije za kreditni portfolio za više banaka (u daljem tekstu: „Garancija”) kako bi se olakšao pristup finansiranju za mikro, mala i srednja preduzeća koja posluju u sektoru agrobiznisa, sa fokusom, ali ne ograničavajući se na proizvođače i prerađivače voća i povrća u cilju podsticanja veće proizvodnje, pristupa izvoznim tržištima, otvaranja novih radnih mesta i unapređenja opšteg privrednog rasta.

(3) USAID će garantovati 60% od gubitka glavnice kredita koji ispunjavaju uslove, kako je dalje predviđeno ugovorom o garanciji koji će biti potpisan između USAID-a i finansijskih institucija (u daljem tekstu „Ugovor o garanciji”), čime će uz podršku Vlade Republike Srbije i Ministarstva umanjiti rizik finansijskih institucija prilikom plasiranja kredita mikro, malim i srednjim preduzećima (MMSP) koja posluju u sektoru agrobiznisa.

(4) Vlada Republike Srbije će preko Ministarstva opredeliti podršku za uspostavljanje ove garancije.

(5) Garancija će funkcionisati 12 godina, a Sporazum će trajati dodatnih šest meseci kako bi se izvršile sve potrebne analize uticaja Garancije.

(6) Prema svojim dosadašnjim iskustvima i praksi sa ovakvom vrstom garancije, USAID predlaže da optimalna vrednost Garancije za kreditni portfolio za više banaka u ovoj fazi sprovođenja Sporazuma treba da iznosi od 40 do 50 miliona američkih dolara.

Član 2 Svrha programa

(1) Putem DCA mehanizma Strane nameravaju da razviju garanciju za kreditni portfolio radi podsticanja finansijskih institucija da obezbede kredite agrobiznis sektoru tako što će podeliti rizik plasiranjem kredita klijentima iz ovog sektora.

(2) Strane saglasno konstatuju da uprkos činjenici da je finansijsko tržište Srbije likvidno, pristup finansiranju za mala i novoosnovana preduzeća je ograničeno, pre svega zbog toga što mikro, mala i srednja preduzeća i prerađivači iz sektora poljoprivrede često nemaju odgovarajuću kreditnu istoriju, ne mogu da pripreme poslovne planove u skladu sa očekivanjima banaka ili nisu u mogućnosti da obezbede sredstva obezbeđenja (pretežno nepokretnosti) koje je prihvatljivo za finansijske institucije. Čak i kada su ovi privredni subjekti u mogućnosti da dobiju kredite od finansijskih institucija, takvi krediti su kratkoročni, namenjeni samo za finansiranje obrtnog kapitala, dok se dugoročni krediti za investicije i rast retko odobravaju.

(3) Imajući u vidu gore navedeno, svrha ove garancije za kreditni portfolio je da podstakne finansijske institucije da povećaju kreditne plasmane ovom sektoru, implementiraju nove politike za procenu takvih klijenata, prihvate alternativne mehanizme za sredstva obezbeđenja koji su pogodniji za mikro, mala i srednja preduzeća iz sektora agrobiznisa, ili ponude bolje uslove za kredite koji su namenjeni za investicije i rast preduzeća.

(4) Pored toga, Garancija bi trebala da podstakne i bolje korišćenje Instrumenta pretpristupne pomoći u ruralnom razvoju (IPARD) kao i drugih nacionalnih programa koje obezbeđuju Vlada Republike Srbije i Evropska unija.

Član 3 Finansijske institucije

(1) U skladu sa ovim sporazumom, finansijske institucije, preko kojih će se sprovoditi Garancija, ispunjavaju sledeće kriterijume ako:

(2) 1. su komercijalne banke koje posluju u Republici Srbiji;

(3) 2. imaju jak strateški pravac prema MMSP iz agrobiznis sektora uključujući sledeće:

(4) (a) imaju filijale van Beograda;

(5) (b) već kreditiraju sektor agrobiznisa; i

(6) (v) imaju interes da povećaju kreditne plasmane MMSP, kao i novoosnovanim preduzećima iz sektora agrobiznisa.

(7) 3. su finansijski stabilne, i to ako:

(8) a) imaju revidirane finansijske izveštaje; i

(9) b) su profitabilne u poslednje dve kalendarske godine.

(10) 4. imaju kapacitet da odobravaju kredite u skladu sa uslovima Garancije; i

(11) 5. su sposobne da zaključe transakcije sa zajmoprimcima na vreme potpisivanjem konačnih ugovora sa zajmoprimcima u odgovarajućem roku.

Član 4 Zajmoprimci

(1) Strane su saglasne da su ciljani zajmoprimci u skladu sa ovim sporazumom novoosnovana preduzeća (start-up), zemljoradničke zadruge odnosno druge asocijacije poljoprivrednih proizvođača, mikro, mala i srednja preduzeća, kao i drugi subjekti koji posluju u sektoru agrobiznisa.

(2) Finansijske institucije treba prevashodno da se orijentišu na povećanje kreditnih plasmana sa posebnim fokusom, ali ne ograničavajući se samo na sektor proizvodnje i prerade voća i povrća.

(3) Krediti treba da podrže: obrtni kapital, investicije u mašine, opremu, objekte, rast poslovanja, proširenje delatnosti i male sisteme za navodnjavanje, pretežno za proizvođače i prerađivače voća i povrća, ali ne isključujući druge sektore u poljoprivredi.

(4) Konačna definicija zajmoprimca će biti određena pregovorima sa finansijskim institucijama kako bi odgovarala razvojnim ciljevima i politikama Strana, kao i dugoročnoj profitabilnosti finansijskih institucija, o čemu će se Strane posebno saglasiti.

Član 5 Uloge i odgovornosti USAID

(1) USAID će upravljati Ugovorom o garanciji na isti način na koji upravlja bilo kojim drugim ugovorom o garanciji koji finansira USAID i u skladu sa već uspostavljenim modelima po kojima ovakav sistem funkcioniše u svetu.

(2) USAID će obezbediti nadzor i adekvatno praćenje i komunikaciju sa bankama i sa Ministarstvom kako bi se osiguralo da se Garancija sprovodi pravilno i u skladu sa pravnim zahtevima Državnog tela za razvoj kredita („DCA”).

(3) Kako je dalje predviđeno ugovorom o donaciji koji će biti potpisan između USAID-a i Ministarstva (u daljem tekstu „Ugovor o donaciji”), Ministarstvo obezbeđuje sredstva u iznosu od 1 milion USD na ime učešća u Garanciji. Ova sredstva će se koristiti za isplatu potraživanja prema finansijskim institucijama u skladu sa ovim sporazumom. Ugovorom o donaciji će se bliže odrediti rokovi i način prenosa sredstava, kao i druga prava i obaveze s tim u vezi.

(4) Nakon što se sredstva koja obezbeđuje Ministarstvo u potpunosti iskoriste, USAID će obezbediti pokriće za 60% preostalih gubitaka iz kreditnog portfolija u rasponu od najmanje 40, a najviše 50 miliona USD.

Član 6 Tehnička pomoć projekta USAID za konkurentnu privredu

(1) Projekat USAID-a za konkurentnu privredu (četvorogodišnji projekat koji obezbeđuje tehničku pomoć za lance vrednosti voća i povrća sa ciljem da poveća njihovu konkurentnost) pružiće podršku, u skladu sa svojim mogućnostima, Garanciji za kreditni portfolio u Srbiji. U okviru projekta će se konkretno za finansiranje od strane banaka koje učestvuju u sistemu garancije za kreditni portfolio za više banaka definisati aktivnosti i odrediti preduzeća sa najvećim potencijalom rasta (kao što su uvođenje plastenika, novih tehnologija hlađenja, novih proizvodnih linija, osnivanje preduzeća za proizvodnju ambalaže). Projekat će obezbediti direktnu tehničku pomoć u partnerstvu sa bankama radi podsticanja korišćenja Garancije.

(2) Program tehničke pomoći uključuje:

(3) – edukaciju proizvođača i prerađivača u oblasti finansija, kako bi se obezbedilo pravilno planiranje i korišćenje kapitala;

(4) – pružanje tehničke pomoći potencijalnim klijentima za razvoj održivih projekata usmerenih ka rastu;

(5) – povezivanja sa drugim uspešnim modelima finansiranja, dizajna i tehnologija, koje je projekat već uspostavio, kao što su inovativni habovi za razvoj proizvoda;

(6) – uspostavljanje grupe konsultanata za IPARD radi većeg i boljeg korišćenja Garancije;

(7) – pružanje konsultantskih usluga bankama o tome kako da prilagode i procene kreditne proizvode namenjene klijentima koji su ciljna grupa Garancije.

Član 7 Uloga Ministarstva

(1) Nakon potpisivanja Ugovora o garanciji sa finansijskim institucijama, USAID će Ministarstvu dostaviti osnovne podatke koji su prikupljeni u USAID/ DCA Platformi za odnose sa klijentima (engl. Relationship Management Platform), koja će pratiti uticaj Garancije pokazujući prednosti i koristi od finansiranja u skladu sa ovim sporazumom. USAID/ DCA će prikupljati i podatke o tome koliko novih klijenata, koliko korisnika kredita ženskog pola, startapova, mikro, malih i srednjih preduzeća učestvuje u Garanciji. Pored toga, USAID/DCA će izveštavati o karakteristikama kredita koji su pokriveni ovom garancijom, kao što su sredstva obezbeđenja, rok dospeća, kamatne stope, geografska područja i namena kredita.

(2) Pored toga USAID/DCA će vršiti procenu srednjeročnih rezultata, što je predmet raspoloživosti sredstava.

(3) Nakon što indikativni uslovi, koji će detaljnije odrediti uslove Garancije, budu dogovoreni sa finansijskim institucijama, a pre potpisivanja Ugovora o garanciji, USAID i Ministarstvo će pristupiti zaključivanju Ugovora o donaciji u skladu sa propisima koji uređuju donacije, a kojim se Ministarstvo obavezuje da prenese USAID-u ukupna sredstva u iznosu od 1 milion USD u dinarskoj protivvrednosti na ime učešća Vlade Srbije u Garanciji. USAID preuzima obavezu da ova sredstva zaštiti od mogućih gubitaka usled kursnih razlika.

(4) USAID će Ministarstvu obezbediti šestomesečne računovodstvene podatke.

(5) Strane su saglasne da nakon što Ministarstvo uplati USAID-u ukupna sredstva u iznosu od 1 milion USD u dinarskoj protivvrednosti, takva sredstva će se isključivo koristiti za finansiranje prvog gubitka koji pretrpe finansijske institucije u okviru Garancije iz DCA programa. Ova sredstva se ne mogu koristiti u druge svrhe, a po okončanju programa, sva preostala sredstva se imaju vratiti na račun Ministarstva (ili iskoristiti za finansiranje sličnog programa podrške poljoprivredi po dobijanju odobrenja Ministarstva).

Član 8 Izveštavanje

(1) USAID Srbija će dva puta godišnje dostavljati Ministarstvu izveštaj o statusu garancije Državnog tela za razvoj kredita („DCA”).

(2) Ministarstvo će imati pristup alatu za online izveštavanje USAID /DCA – Sistem upravljanja kreditima.

Član 9 Zajednička koordinacija

(1) Strane će u roku od 30 dana od potpisivanja ovog sporazuma formirati Komisiju za praćenje Garancije, koja će imati po dva člana sa svake strane, dok će predsednik Komisije biti određen od strane Ministarstva.

(2) Komisija za praćenje Garancije sastavljena od predstavnika Ministarstva i USAID -a, će se sastajati najmanje polugodišnje u cilju razmatranja napretka sprovođenja aktivnosti Državnog tela za razvoj kredita („DCA”) i po potrebi, radi identifikovanja mogućnosti za unapređenje korišćenja ove garancije.

Član 10

Strane su saglasne da sve sporove, koji proističu iz ili su u vezi sa ovim sporazumom, rešavaju prijateljski putem konsultacija i pregovora između Strana.

Član 11

Radi otklanjanja svake sumnje, svaka Strana je odgovorna samo za svoje obaveze preuzete ovim sporazumom i ne odgovara za obaveze druge Strane.

Član 12

(1) Ovaj sporazum može biti izmenjen samo uz pisanu saglasnost obe Strane.

(2) Svaka Strana ima pravo da jednostrano raskine ovaj sporazum i o tome pismenim putem obavesti drugu stranu, 3 (tri) meseca pre njegovog raskida.

Član 13

(1) Ovaj sporazum stupa na snagu danom potpisivanja.

(2) Sačinjeno u Beogradu, dana 8. maja 2019. godine, u dva originalna primerka na srpskom i engleskom jeziku, pri čemu je svaki tekst jednako verodostojan. U slučaju razlika u tumačenju, merodavan je tekst na engleskom jeziku.

(3) Za Vladu Republike Srbije

(4) Branislav Nedimović, s.r.

(5) ministar poljoprivrede, šumarstva i vodoprivrede

(6) Za Vladu Sjedinjenih Američkih Država

(7) Mike de la Rosa, s.r.

(8) direktor misije Američke agencije za međunarodni razvoj – USAID

(9) AGREEMENT FOR COOPERATION

(10) between the Government of the Republic of Serbia and the Government of the United States of America on improving access to finance for the agribusiness sector in the Republic of Serbia through the Loan Portfolio Guarantee

(11) Pursuant to the Agreement on Economic, Technical and Other Assistance from March 6th 2001 signed by and between the Government of the Federal Republic of Yugoslavia and the Government of the United States of America and pursuant to the Memorandum of Understanding signed between the Government of the Republic of Serbia and the United States Agency for International Development (USAID) on improvement of the bank guarantee system aiming at developing agribusiness in the Republic of Serbia on April 5th 2018,

(12) The Government of the Republic of Serbia, acting through the Ministry of Agriculture, Forestry and Water Management (“the Ministry”) with its seat in Belgrade, Republic of Serbia, Nemanjina Street no. 22-26,

(13) and

(14) The Government of the United States of America, acting though the United States Agency for International Development (“USAID”), with its seat in Belgrade, Republic of Serbia, Kneza Aleksandra Karađorđevića Boulevard no. 92,

(15) Have agreed on the following,

(16) I INTRODUCTORY PROVISIONS

(17) Loan guarantee description

(18) Article 1

(19) The Ministry of Agriculture, Forestry and Water Management of the Republic of Serbia (hereinafter referred to as: the Ministry”), and the United States Agency for International Development (hereinafter referred to as: “USAID”), hereinafter jointly referred to as: the “Parties”, have agreed to support and spur bank loans to the agribusiness sector in Serbia, using the Development Credit Authority mechanism of the United States Agency for International Development (hereinafter referred to as: “DCA”).

(20) The Parties support the development of the Multi-bank Loan Portfolio Guarantee (hereinafter referred to as: the “Guarantee”) to facilitate access to finance for micro, small and medium-sized enterprises which operate in the agribusiness sector, focusing on, but not limited to, fruit and vegetable producers and processors, to encourage increased production, access to export markets, job creation and to improve of economic growth in general.

(21) USAID will guarantee 60% of the principal loss of qualified loans, as further provided in the guarantee agreement to be signed between USAID and the financial institutions (hereinafter referred to as: the “Guarantee Agreement”), which will, along with the support of the Government of the Republic of Serbia and the Ministry, reduce the perceived risk for financial institutions when lending to agribusiness micro, small and medium-sized enterprises (MSMEs).

(22) The Government of the Republic of Serbia shall provide support to establishment of this Guarantee through the Ministry.

(23) The Guarantee will be effective for 12 years, while this Agreement shall be effective for additional 6 months to perform all the necessary analysis of the Guarantee’s impact.

(24) According to its experience and practice USAID has had so far with this type of guarantee, USAID suggests the optimum value of the Multi-bank Loan Portfolio Guarantee at this moment of the implementation of the Agreement be from USD 40 million to USD 50 million.

(25) Purpose of the Program

(26) Article 2

(27) Through the DCA mechanism, the Parties intend to develop a guarantee for a lending portfolio to incentivize financial institutions to provide loans to the agribusiness sector by sharing the risk through venturing into this sector.

(28) The Parties agree that despite the fact that the Serbian financial market has liquidity, it has provided only limited financing for smaller enterprises and start-ups, mainly because micro, small and medium enterprises, including agribusinesses and processors, often cannot provide a credit history, may not be able to generate business plans according to banks’ expectations, or are not able to provide collateral (predominantly real-estate) that is acceptable to financial institutions. Even if these firms are able to obtain financing from financial institutions, these loans are short-term, intended for financing working capital only, while long-term loans for investment and growth are rarely provided.

(29) Having in mind the aforementioned, the purpose of this Guarantee is to encourage financial institutions to increase longer term lending to this sector, implement new policies to evaluate these types of clients, accept alternative collateral mechanisms that are more appropriate for micro and small agribusinesses, or provide better terms of lending intended for investments and company growth.

(30) In addition, the Guarantee should also spur better utilization of the Instrument for Pre-Accession Assistance in Rural Development (IPARD) or other national programs provided by the Government of the Republic of Serbia and the European Union.

(31) Financial Institutions

(32) Article 3

(33) Per this Agreement, the financial institutions, through which the Guarantee shall be implemented, shall meet the following criteria:

(34) 1. they are commercial banks, operating in the Republic of Serbia;

(35) 2. they have a high strategic alignment with agribusiness MSMEs, including the following:

(36) (a) they have branch offices outside of Belgrade;

(37) (b) they are already lending in the agribusiness sector; and

(38) (v) they have an interest in increasing lending to MSMEs within the agribusiness sector, as well as start-ups.

(39) 3. They are financially viable, in particular as follows:

(40) a) they have audited financial reports; and

(41) b) they have been profitable in the last two calendar years;

(42) 4. They have the financial capacity to approve loans in accordance with the terms of the Guarantee; and

(43) 5. They have the ability to complete transactions with borrowers in a timely manner by signing final contracts with borrowers within appropriate reasonable timeframe.

(44) Borrowers

(45) Article 4

(46) The Parties agree that the targeted borrowers, per this Agreement are start-ups, cooperatives and/or associations of agricultural producers, micro, small and medium enterprises, and other entities working in the agribusiness sector.

(47) The financial institutions should predominately focus on, but not be limited to, expanding lending fruit and vegetable production and processing.

(48) Loans should support: working capital, investments in machinery, equipment, facilities, business growth, expansion, and small-scale irrigation systems, predominantly in the fruit and vegetable producers and processors, not excluding other agricultural sectors.

(49) The final borrower definition will be determined by negotiations with the financial institutions to ensure it overlaps with the Parties’ development objectives and policies, as well as the long-term profitability of the financial institutions, which will be separately agreed upon by the Parties.

(50) II ROLES AND RESPONSIBILITIES OF THE PARTIES

(51) Roles and Responsibilities of USAID

(52) Article 5

(53) USAID will administer the Guarantee Agreement in the same manner in which it would administer any guarantee agreement funded through USAID, and in accordance with the already established models which drive the system of this sort worldwide.

(54) USAID will provide oversight and appropriate monitoring of and communication with the banks and with the Ministry to ensure that the Guarantee is implemented properly and in compliance with the Development Credit Authority (DCA) legal requirements.

(55) As further provided in the donation agreement, to be signed between USAID and the Ministry (hereinafter referred to as: the “Donation Agreement”), the Ministry shall provide funds in the amount of USD 1 million for the purpose of participation in the Guarantee. These funds shall be used for settling the claims coming from financial institutions, in accordance with this Agreement. The Donation Agreement shall define the deadlines and ways of funds transfer more closely, as well as other related duties rights.

(56) After the Ministry’s funds have been fully utilized, USAID shall cover 60% of the remaining losses under a loan portfolio that will be in the range of not less than USD 40 million and not more than USD 50 million.

(57) USAID Competitive Economy Project’s Technical Assistance

(58) Article 6

(59) The USAID Competitive Economy Project (a four-year project providing technical assistance to fruit and vegetable value chains, with the goal to increase their competitiveness) will support, to the best of its ability, the Loan Portfolio Guarantee in Serbia. Specifically, the project seeks to identify the highest growth potential activities and businesses for financing by the banks participating in the Guarantee (such as the introduction of green houses, new cooling technology, new processing lines, introduction of packaging enterprises).

(60) The project will provide direct technical assistance in partnership with banks to spur utilization of the Guarantee.

(61) The technical assistance program includes:

(62) • Providing financial education to producers and processors so proper planning and utilization of capital is ensured;

(63) • Providing technical assistance to potential clients for developing sustainable growth-oriented projects;

(64) • Providing linkages to other successful financing, design and technological models the project has already established, such as Innovation Hubs for product development;

(65) • Establishing of a pool IPARD consultants to further expand coverage and utilization of the Guarantee;

(66) • Providing consulting to banks on how to tailor and evaluate loan products to the clients targeted by the Guarantee.

(67) The Role of the Ministry

(68) Article 7

(69) After USAID signs the Guarantee Agreement with financial institutions, USAID shall submit to the Ministry the Baseline data collected in USAID/DCA’s Relationship Management Platform (RMP), which will track impact of the Guarantee, showing advantages and benefits of financing pursuant to this agreement. USAID/DCA will track the Guarantee data including the banks’ existing agriculture portfolio and the terms of such loans. USAID/DCA aloo collects data on the number of new clients, number of female borrowers, and the number of start-ups, micro, small and medium-sized enterprises participating in the Guarantee. In addition, USAID/DCA will report on the characteristics of the loans under coverage, such as collateral, tenors, interest rates, geographic region and purpose of the loans.

(70) In addition, a separate mid-term performance evaluation will be conducted by USAID/DCA, subject to the availability of funds.

(71) After a term sheet which will more closely define the terms of the Guarantee has been negotiated with the financial institutions, and prior to signing of the Guarantee Agreement, USAID and the Ministry shall enter into a Donation Agreement, pursuant to the regulations on donations, pursuant to which the Ministry shall transfer to USAID total funds in the amount of dinar currency equivalent to USD 1 million, intended for participation of the Government of Serbia’s in the Guarantee. USAID undertakes the obligation to protect these funds against negative foreign currency effects.

(72) USAID shall provide semi-annual accounting data to the Ministry

(73) The Parties agree that, following the transfer by the Ministry to USAID of total funds in dinar currency equivalent to the amount of USD 1 million, the funds shall be used exclusively for covering the costs of any first loss incurred by financial institutions under the DCA Guarantee. Such funds cannot be used for other purposes, and upon the completion of the program, all the remaining funds shall be returned to the Ministry’s account (or used for financing a similar agribusiness support program upon receiving the Ministry’s approval).

(74) Reporting

(75) Article 8

(76) USAID Serbia shall report semi-annually to the Ministry the status of the Development Credit Authority (DCA) guarantees.

(77) The Ministry shall have the access to the online reporting tool of the USAID / DCA Credit Management System.

(78) Joint coordination

(79) Article 9

(80) Within 30 days upon signing of this Agreement, the Parties shall establish a Committee for following the performance of the Guarantee, composed of two members appointed by each Party, while the chairperson shall be appointed by the Ministry.

(81) The Committee for following the performance of the Guarantee composed of representatives of the Ministry and USAID will meet at least semi-annually to review the progress of implementation of the Development Credit Authority (DCA) and identify opportunities for improvement of the utilization of the Guarantee, if necessary.

(82) III FINAL PROVISIONS

(83) Article 10

(84) The Parties agree to resolve all the disputes arising from or in relation to this Agreement amicably, through consultations and negotiations between the Parties.

(85) Article 11

(86) For the avoidance of doubt, each Party shall be liable only for its obligations undertaken under this Agreement and shall not be liable for the obligations of the other Party.

(87) Article 12

(88) This Agreement may be amended only with written consent of both Parties.

(89) Each Party shall be entitled to terminate this Agreement unilaterally by sending a written notice to the other party, 3 (three) months earlier.

(90) Article 13

(91) This Agreement shall become effective on the date of its signing.

(92) Signed in Belgrade, on 8. Mau 2019, in two original copies in Serbian and English, both in equal authenticity. Should any differences in interpretation arise, the English version shall prevail.

(93) For the Government of the Republic of Serbia

(94) Branislav Nedimović,

(95) Minister of Agriculture, Forestry and Water Management

(96) For the Government of the United States of America

(97) Mike de la Rosa,

(98) U.S. Agency for International Development Mission Director