MEDIOS DE PAGO

1. MEDIOS DE PAGO • Pagos Directos • Cheques Personales • Giro Bancario • Orden de Pago / Transferencia • Cobranza Documentaria • Crédito Documentario

2. Cheque Bancario

3. GIRO BANCARIO

4. GIRO BANCARIO

5. 20:Sender’s Referente 011944517806002 23B: Bank Operation Code CRED 32A: Val Dte/Curr/Interbnk Settld Amt Date :17 August 2006 Currency :USD (US DOLLAR) Amount : #3000# 50K: Ordering Customer-Name & Address GUERRA JUAN LUIS CORONEL INCLAN 971 MIRAFLORES 53D: Sender’s Corr – Name & Address /8900460504 BANCO DE CREDITO DEL PERU LIMA, PERU 56A: Intermediary Institution – BIC BRASBRRJ BANCO DO BRASIL S.A. SAO PAULO BR 57A: Account With Institution – BIC BRASBRRJSBO BANCO DO BRASIL S.A. SAO BERNARDO DO CAMPO BR 59: Beneficiary Customer . /77968 TROPICAL INDUSTRIAIS LTDA 70: Remittance Information PAGO PICOLETEIRA (TP 070/06) HELADOS RICOS SAC TRANSFERENCIA DE FONDOS

6. ORDEN DE PAGO / TRANSFERENCIA

7. COBRANZA DOCUMENTARIA • Girador / Cedente / Exportador • Banco Cedente (Banco del exportador) • Banco Cobrador (Banco corresponsal) • Girado / Comprador / Importador • Operatividad • Riesgos

9. CRÉDITO DOCUMENTARIO • Importador / solicitante / ordenante • Banco Emisor • Banco Avisador / Confirmador • Exportador / beneficiario

11. Operatividad del Crédito Documentario • Solicitud de la Carta de Crédito • Examen del riesgo crediticio • Emisión del Crédito Documentario • Aviso del Crédito Documentario • Confirmación del Crédito Documentario • Exportación • Presentación de documentos • Pago

12. CARACTERÍSTICAS DEL CRÉDITO DOCUMENTARIO • Autonomía: Art. 3 Los créditos son operaciones independientes de las ventas o de cualquier otro contrato en que puedan estar basados • Literalidad: Las instrucciones para la emisión y el crédito en sí, deben ser completas y precisas. No puede existir ambigüedad. Si es así, si los términos son claros y no dejan duda sobre la intención de los contratantes, se toman en sentido literal sus cláusulas • Formalidad: Art. 5 Los bancos no pueden y no deben entrar en el asunto de la autenticidad de los documentos o sobre la calidad de la mercancía despachada si no es evidenciada en los documentos requeridos y presentados

13. CRÉDITOS ESPECIALES • Crédito revolvente / Revolving Credit • Crédito de cláusula roja / Red Clause • Crédito de cláusula verde/Green Clause • Crédito Transferible • Crédito Back to Back • Crédito Stand By

14. 17. Exportando con Responsabilidad Ariane van Beuzekom Consultora CBI

15. EU market access requirements

16. Aim of this presentation • Organic • Fair Trade • CSR • Novel Foods

17. Organic Organic production Labelling Market impact

18. Organic production • Organic production: "a system of managing agricultural holdings that uses a variety of more environmentally friendly crop farming practices and involves major restrictions on the use of fertilisers and pesticides” Strict rules for production. Examples for agriculture: • Use of organic seeds • Soil fertility and biological activity through natural means • Use of substances on “positive lists” Examples processing: • Non-agricultural ingredients are limited (Annex VI) • GMOs not allowed • Irradiation not allowed

19. Labelling as “organic” Preconditions: • at least 95% of the product's ingredients have been organically produced; • the product complies with the rules of the official inspection scheme; • the product has come directly from the producer or preparer in a sealed package; • the product bears the name of the producer, and the name or code of the inspection body.

20. Organic labels • Many organic labels • Different requirements • Different markets • Different certifiers  See document Overview of organic labels for food on the EU market

21. Organic cotton • Growing without synthetic chemicals • In some cases also organic production process • Taken up by big brands

22. Market impact • Growing niche market • For more information, see the CBI market surveys

23. FairTrade Fairtrade criteria Labelling Market impact

24. Fundamental Criteria A fair and sustainable price, guaranteeing a fair wage covering the costs of sustainable production and living. This price needs to be at as high as the Fair Trade minimum price and premium where they have been defined by the international Fair Trade associations

25. Fairtrade organisation • Fairtrade Producer Standards • social, environmental and economic development (labour conditions) • Fairtrade Product Standards • coffee, tea, rice, bananas, mangoes, cocoa, cotton, sugar, honey, fruit juices, nuts, fresh fruit, quinoa, herbs and spices, wine and footballs

26. FLO Facts and Figures FLO is working as per end of 2007 with: 632 Fairtrade Certified Producer Organisations, representing over 1,4 million farmers and workers, in 58 countries in Africa, Asia and Latin America. In 2006, consumers worldwide bought 1,6 billion Euros worth of Fairtrade Certified Products, 42 % more than the year before.

30. FLO Producer Networks • Africa Fairtrade Network (AFN) • Website • Coordinadora Latinoamericana y del Caribe de Comercio Justo (CLAC) • Website • Network of Asian Producers (NAP)

31. Other Fair Trade - IFAT • Self-Assessment against the Fair Trade organisations standards • IFAT Code of Practice • 10 standards for Fair Trade support organisations • Peer review between trading partners • share their Self-Assessment reports • External verification • random % of Self Assessment reports reviewed • No product standards • No specific producer standards • http://www.ifat.org/

32. IFAT 1. Creating opportunities for economically disadvantaged producers 2. Transparency and accountability 3. Capacity building 4. Promoting Fair Trade 5. Payment of a fair price 6. Gender Equity 7. Working conditions 8. Child Labour 9. The Environment 10.Trade Relations

33. Other Fair Trade • Coming out of the Environmental and Sustainability Movement • FairWild • ISSC MAP • BioTrade • No specific Product Standards • No specific Producer Standards

34. Other Fair Trade • Rainforest Alliance • Have specific product standards • Made-by fashion label • umbrella label • organic cotton • sewing factories have a social code of conduct (SA8000) • the entire production chain • mainstream markets

35. CSR Corporate social responsibility CSR Trends and developments

36. CSR requirements: Social issues Social accountability • Social accountability is the assessment and ongoing monitoring of working conditions in manufacturing environments. • European buyers are held responsible for the social conditions in the companies abroad they are sourcing from

37. Where do you find social requirements? EU buyers’ requirements: • Ethical codes of conduct • Social label requirements • Social management systems Different approaches: • Official (3rd party) audits of signed codes Requests for certification • Informal audits by Quality control staff • Code of conduct but no control • Nothing……

38. Contents: ILO Conventions • Private sector uses several of the 185 ILO Conventions • Fundamental Conventions are a minimum in international trade • Suppliers should at least be aware and be working on improvement to the minimum level • European buyers often prepared to support improvement. • Suppliers: have an implementation plan

39. The basis:Fundamental ILO Conventions Freedom of Association • 87 Freedom of Association and Protection of the Right to Organise Convention, 1948. • 98 Right to Organise and Collective Bargaining Convention, 1949 Abolition of Forced Labour • 29 Forced Labour Convention, 1930 • 105 Abolition of Forced Labour Convention, 1957 Equality • 100 Equal Remuneration Convention, 1951 • 111Discrimination (employment and Occupation) Convention, 1958 Elimination of Child Labour • 138Minimum Age Convention, 1973 • 182Worst Forms of Child Labour Convention, 1999

40. Also important: Occupational health and safety ILO convention 155 and recommendation 164 Hours of work and overtime Wages

41. ILO ILO SA8000 ETI MPS • Collective bargaining (fundamental) X X x x • Free association (fundamental) X X x x • Discrimination (fundamental) X X x x • Equal remuneration (fundamental) X X x x • Forced labour (fundamental) X X x x • Child labour (fundamental) X X x x • Minimum wage/living wage X X x x • Maternity protection X • Harassment or abuse X X • Health and safety X X x x • Working hours X X x x • Vocational Rehabilitation & employment X X x • Home Work X X x • Regular employment x x • Harsh or inhumane treatment x • Management systems X • Compensation X • Pesticides and chemicals x • Protection of the environment x

42. Sainsbury’s Social Principles “As we broaden our supplier base, especially in developing countries, we are conscious of the need to take some share of the responsibility for social development and for the welfare of employees who produce the goods we sell.” “In building partnerships with our suppliers, we seek to work with companies who share our values and who are prepared to commit themselves to this Code.”

43. Sainsbury’s Social Principles Fair terms of trading In the conduct of its business, Sainsbury’s will deal openly and fairly with suppliers, adhere to contract terms and avoid the exercise of undue pressure. Protection of children In accordance with relevant ILO conventions, children may only be employed in circumstances which fully safeguard them from potential exploitation, which protect them from moral or physical hazard and long term damage to health and which do not disrupt their education.

44. Sainsbury’s Social Principles Health and safety Policies and procedures for health and safety will be established which are appropriate to the industry. In the absence of legal requirements these will reflect a clear awareness of obvious hazards and a general regard for the well-being of employees. Such policies and procedures will apply also to any living accommodation provided in association with employment.

45. Sainsbury’s Social Principles Equal opportunities Whilst being sensitive to cultural differences we expect the development of equal opportunities in employment without discrimination on grounds of race, religion, and gender or other arbitrary means. Freedom of association Employees shall be free to join lawful associations; forced labour or coercion at work is unacceptable.

46. Sainsbury’s Social Principles Freedom of employment Employees should not be forced into involuntary labour. Hours of work and wages Pay will not be lower than that required by local law or, in the absence of law, that paid generally within the industry. Wages should always be enough to meet basic needs and to provide some discretionary income, as well as having regard to what is needed to maintain family life above subsistence level.

48. Meeting buyers’ requirements Showing compliance Auditing and Management systems • BSCI • SA8000 • OHSAS 18001 • GLOBALGAP Codes and Labeling • Sector codes, corporate codes • Ethical Trading Initiative • Labels

49. Business Social Compliance Iniatiative • An auditing system, not a certificate • Background: adequate laws are in place - but not properly implemented and enforced • Lack of awareness • So far retailers conduct social compliance audits in their purchasing markets mainly on the basis of different audit systems and criteria • Too many different systems • More or less similar standards • Different tools • Different processes • Lack of credibility • Lack of transparency • Lack of efficiency • High costs • No synergies

50. Objectives Improve social standards in all supplier countries for all consumer goods Provide a predictable monitoring system Realise economic advantages for suppliers and members International forum for the exchange of knowledge and views Cooperation with any other equivalent system