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Defense Dept.'s Export LoanProgram Mired in Uncertainty 

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by Sandra I. Erwin 

A congressionally-sponsored program begun four years ago to boost sales of U.S. military equipment overseas has been on the verge of being canceled for lack of funds. Recently, however, Pentagon officials have been working to keep it alive.

The program is called the Defense Exports Loan Guarantee (DELG) and was created as part of the fiscal 1996 authorization bill for the Defense Department. The goal was to allow foreign customers to purchase U.S. military products via private loans that would be guaranteed by DELG. Proponents of DELG said the program was needed because the U.S. Export-Import Bank-which served as the model for DELG-cannot by law provide financing for defense sales.

Unlike purchases made under the Foreign Military Sales program, DELG transactions are commercial in nature and do not involve the U.S. government as a middleman.

But nearly four years after its inception, DELG has lost much of its support within the Pentagon and on Capitol Hill, because it has not generated the amount of sales that its proponents had envisioned. DELG, by law, cannot be subsidized by public funds for its day-to-day operations, so it only can survive if it generates enough fees from transactions. The fees include administrative expenses paid by the customer and so-called exposure fees, which can range from 10 percent to 20 percent of the value of the sale. The exposure fees are kept by the U.S. Treasury and are intended to cover losses if the customer defaults.

The Defense Department was directed by Congress to manage the DELG program, but the Pentagon outsourced the work to a contractor to avoid any appearance that the program was being run at taxpayer expense. Currently, the contractor in charge of administering DELG is GRC International, located in Tysons Corner, Va.

Government and industry sources contacted by National Defense agreed that it would appear odd for the Pentagon to not support this program at a time when senior defense officials are advocating the need to boost U.S. defense exports.

But there is one significant problem for DELG: The funding needed to administer the program is running out, because there have not been enough transaction fees generated. Industry sources said the management of DELG costs about a million dollars a year. A representative from GRC said that the company was not authorized to provide cost information. The GRC source, however, said that the process of earning fees under DELG is quite time-consuming, because it involves bureaucratic dealings in foreign countries, which are seeking to buy equipment. The U.S. government, meanwhile, is responsible for issuing the seller an export license for the equipment before it can be sold. No transactions can be finalized or fees paid until the export license is approved.

"In the short term, we may run into financial difficulty," said the GRC representative. "It takes a long time for a program like this to get some legs." For that reason, the source said that it is likely that, for the program to survive, the Pentagon will have to work with Congress to provide near-term funding.

Pentagon Support
One key DELG supporter at the Pentagon is David Oliver, the principal deputy undersecretary of defense for acquisition and technology. Recently, he stressed that DELG is not in jeopardy. "We support the Defense Loan Guarantee program, and consider it a useful tool in promoting interoperability with our regional allies. We intend to work with Congress to continue this program," said Oliver.

"I'd like to get it moving as soon as possible," he told National Defense during a recent acquisition reform conference in Washington, D.C. Prompt action is needed, he said, because there are "deals with allies we want to get done right away."

According to John W. Douglass, president of the Aerospace Industries Association (AIA), a lobbying group in Washington, D.C., DELG transactions currently awaiting approval would generate $50 million in fees for the U.S. government. He estimated that DELG needs between $1 million to $2 million to keep its operations running.

"There seems to be an increase in the level of support for DELG at high levels within the Pentagon," said Jonathan Etherton, assistant vice president for legislative affairs at AIA. The key question, he said, is whether there is "enough will" to keep DELG going.

One Pentagon official who oversees DELG said the program remains in operation. "It will continue to be in operation," he added. As to whether the program can go on without any infusion of public funds, he said he could not answer that. Such a decision would have to be made at more senior levels of Defense Department leadership, with congressional support.

Meanwhile, industry executives seeking to make export sales through DELG are hoping the Pentagon and Congress soon will make a long-term decision on DELG. They also believe defense officials should make an effort to understand the benefits DELG offers to U.S. industry and, indirectly, to the Defense Department.

So far, the only U.S. firm that has completed a full transaction using the DELG program is AAI Corporation, headquartered in Hunt Valley, Md. The firm makes training systems and unmanned aircraft, called UAVs.

In 1997, AAI sold $20 million worth of UAV systems and simulators to Romania. The loan was financed through DELG.

"Romania had attempted to build its own UAVs, but failed. They approached us, as well as an Israeli and a French company," said Paul J. Michaud, AAI's vice president and chief financial officer. In an interview, Michaud explained why he believes there is more to DELG than just helping U.S. firms make money. He believes it is a good deal for the U.S. government as well. To get the $20 million DELG financing, for example, Romania paid a $4 million exposure fee to the U.S. Treasury and is paying several million dollars in interest to a U.S. bank, in addition to other administrative fees. The exposure fee is paid to cover potential losses.

Romania, Michaud said, wants to buy U.S. defense equipment because it wants to build long-term military ties with the United States. Currently, the Romanian government is considering purchasing more UAVs, he said. "Romania sees this as a way to get into NATO ... Romania is one of those countries that have not had long-term ties to the United States. But these countries want relationships with U.S. companies. They want U.S. technology.

"Romania could not have afforded a $20 million outlay in one year," Michaud said. "But they can afford it over five years." He noted that DELG cannot finance exposure fees. That had to be arranged through a Romanian bank. "It's between the buyer and the seller to figure out how to get that done," said Michaud. "In my case, I found a bank in Romania that financed the exposure fees."

If Romania defaulted on the loan, the money to cover the loss would come from the exposure fees.

Asked if he thought Romania could have obtained the $20 million outside of DELG, Michaud shook his head. "That's impossible. There isn't a single U.S. bank that would lend Romania $20 million. I couldn't find one."

The Pentagon and Congress "ought to be patient" and allow for time for DELG to develop into a successful program, said Michaud. There has been some frustration among supporters of DELG, he acknowledged, because the program did not result in immediate, big-ticket sales. "They haven't been bombarded by deals. They won't be bombarded by deals. But they have to realize that foreign transactions take a long time to develop," Michaud said.
There are three deals currently awaiting approval. AAI has two pending applications. One is a contract with Romania for four tactical UAV systems, said Michaud. "Without DELG financing, there will be no deal."

Both applications were sent last December with a $25,000 payment, which is required as proof of the company's commitment to the transaction. But, at press time, neither of the two checks sent by AAI had been cashed by the DELG office. Michaud said he received a phone call in late December from a DELG official who warned him the program may be discontinued.

The GRC official in charge of processing DELG applications explained the reason for the delay was not related to the status of DELG, but rather to the fact that the export licenses for the equipment had not yet been approved by the State Department.

The other pending DELG application is from Harris Corporation RF Communications Division, based in Rochester, N.Y. The company applied for DELG financing also as a result of a deal with Romania. Marilyn Locke, Harris' senior manager for finance, said the sale involves radio communications equipment valued at less than $10 million.

Like AAI, Harris submitted an application with a $25,000 payment to DELG but has not heard back from DELG officials. "Our customer is really excited about this deal," said Locke. She noted that Romania's top government officials have contacted the Defense Department seeking support for the sale.
Locke believes the reason DELG has become a cumbersome operation has to do with its management. "DELG was modeled after the Ex-Im bank, but does not have the infrastructure to manage the program the way Ex-Im does," she said. The Defense Department, Locke added, does not have the financial expertise needed to operate a program such as DELG.

While DELG's future remains uncertain, one thing is clear: It has not generated much interest from industry. If DELG is such a good deal for all parties involved, as Michaud asserted, why hasn't the program been deluged with applications?

The reasons are varied, he said. First and foremost, he blames industry "for not appreciating what DELG can do. Not recognizing the opportunities."
In addition, those who initially created DELG thought it would attract purchasers of multi-billion weapon systems. But, Michaud noted, the program is better suited for small transactions, which in the defense arena would be in the $20 million or less range.

Locke agreed. She noted that DELG restricts financing to many countries that are in the market for equipment such as communications and security systems to protect national borders or beef up military forces. "We see a great future for DELG," she said. But she is discouraged by the fact that Latin American countries and some Eastern European nations, for example, are excluded from DELG financing. Some of these countries, she said, currently are looking to buy technology from Harris but don't have access to the commercial financing that wealthier countries do.

When countries seek to buy a large weapon system, Michaud said, they request it in their national budgets. Or they will find another way to finance it, such as issuing government bonds, which is less expensive than DELG and offers longer terms. DELG loans can be extended for up to 10 years. But a government could issue 20-year bonds and get lower interest rates.

"Congress and the Pentagon thought they were going to have big deals.

"In my opinion, the countries that will use DELG will not be the NATO countries but emerging nations such as Romania, Bulgaria, Poland or the Czech Republic. "They don't have the budget to meet their domestic needs, let alone their military needs." But Michaud believes that, if AAI had not sold the UAVs to Romania, that nation would have purchased the equipment from France or Israel.

DELG has been in trouble largely because government and industry officials are not aware of its potential benefits, said Michaud. "This is really a program of minimal cost to the government. It doesn't require a large staff. It is a very large cash generator for the U.S. government." In addition to receiving exposure fees, the government also profits from DELG because, when defense contractors sell equipment overseas, they can lower the overhead costs of their other contracts with the Pentagon, he explained. "By law, I have to give any cost-reduction benefits back to the U.S. government ... If I can get a foreign transaction, products sold to the U.S. government cost less."

Nonetheless, Michaud speculated that, if the Defense Department, rather than the U.S. Treasury, were allowed to keep the DELG loan fees, it would have more of an incentive to promote DELG. "If it's not an immediate win-win, it's harder to justify, unless it is directed from the top."

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