At this stage, the exporter's bank may EITHER simply pass on the details of the Documentary Credit to the exporter, in which case it is an ADVISING bank.OR add its own guarantee to the credit, in which case it is a CONFIRMING bank.If the credit is CONFIRMED, the transaction is very safe for the exporter because Two banks have promised to pay him if the porter does not and if the importer's bank does not pay him, then the CONFIRMING bank will.