Principles Coverage The Insured will always maintain a percentage of the credit risk for their own account, the proportion of which will fluctuate between 10 and 20 percent of the limit provided, thereby assuring a close control of credit provision, considering that they maintain direct contact with the client and can therefore perceive any eventual solvency deterioration or changes in payment behaviour. Global Considerations The total credit portfolio must be insured, or part thereof, defined based on objective selection criteria agreed between the Company and the Insured.