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Page 1 CONFORMED COPY CREDIT NUMBER 3374-GH Development Credit Agreement (Rural Financial Services Project) between REPUBLIC OF GHANA and INTERNATIONAL DEVELOPMENT ASSOCIATION Dated October 23, 2001 CREDIT NUMBER 3374-GH DEVELOPMENT CREDIT AGREEMENT AGREEMENT, dated October 23, 2001, between REPUBLIC OF GHANA (the Borrower) and INTERNATIONAL DEVELOPMENT ASSOCIATION (the Association). WHEREAS (A) the Borrower, having satisfied itself as to the feasibility and priority of the Project described in Schedule 2 to this Agreement, has requested the Association to assist in the financing of the Project; (B) the Project will be carried out by the Bank of Ghana (BOG) with the Borrower