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Page 1 CONFORMED COPY LOAN NUMBER 4391 UA Loan Agreement (Financial Sector Structural Adjustment Loan) between UKRAINE and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT Dated September 15, 1998 LOAN NUMBER 4391 UA LOAN AGREEMENT AGREEMENT, dated September 15, 1998, between UKRAINE (the Borrower) and the INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT (the Bank). WHEREAS (A) the Bank has received a letter dated February 24, 1998 from the Borrower describing a program of actions, objectives and policies designed to achieve structural adjustment of the Borrower