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Page 1 CONFORMED COPY LOAN NUMBER 4639 UA Loan Agreement (Programmatic Adjustment Loan) between UKRAINE and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT Dated September 20, 2001 LOAN NUMBER 4639 UA LOAN AGREEMENT AGREEMENT, dated September 20, 2001, between UKRAINE (the Borrower) and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT (the Bank). WHEREAS (A) the Bank has received from the Borrower a letter, dated August 10, 2001, describing a program of actions, objectives and policies designed to achieve and sustain structural adjustment of the Borrower