Common use of Representative of the Borrower; Addresses Clause in Contracts

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairo, Arab Repulic of Egypt, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Allocated (Expressed in Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board Minister of the Borrower at the time responsible for Finance is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministere des Finances Immeuble Mauretania Place du Pdrou Algiers Democratic and Popular Republic of Algeria Cable address: Telex: FINPLAN ▇▇▇▇▇ ▇▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (RCA), 64145 (WUI) or IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. DEMOCRATIC AND POPULAR REPUBLIC OF ALGERIA By /s/ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanW. A. Wahenpans Regional Vice President Europe, Middle East and North Africa 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods Financed (1) Civil works: (a) under Parts A and B Part A.1 of the Project 54,000,000 19,400,000 48% (b) under Part A.2 of the Project 3,400,000 48% (c) under Part A.3 of the Project 5,500,000 48% (d) under Part A.4 of the Project 5,000,000 48% (2) Preparatory works under Part A.5 of the Project 1,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a3) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project areEquipment: (a) to increase agricultural productivity through under Part 3,400,000 A.6 (i) of the promotion of appropriate technological packages at the farm level, Project (b) to increase rural income through under Part 1,400,000 A.6 (ii) of the creation of off-farm job opportunities in farm-related enterprises; and Project (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: under Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange 1,800,000 A.6 (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (biii) of the General Conditions, the premium payable on the principal amount Project (d) under Part 6,900,000 100% of any maturity foreign A.7 of the Loan to be prepaid shall be the percentage specified for the applicable time expenditures Project and 80% of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.local expenditures

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board President of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK INTBAFRAD 440098 (ITT), ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ (RCA) or 64145 (WUI) For the Borrower: National Bank of Poland ▇▇▇▇▇▇▇▇▇▇▇▇▇ Cairo ▇▇/▇▇ ▇▇-▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ of Poland Cable address: Telex: NARBANK ▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇▇▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoWarsaw, Arab Repulic Republic of EgyptPoland, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL NATIONAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan OF POLAND 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts Financed (1) Under Part A and B 75,000,000 of the Project 54,000,000 Project: (a) goods, tech- 100% of foreign expendituresnical licenses, expenditures and consultants’ 100% of local services, expenditures training, and (ex-factory cost) export promo- for goods, and 60tion and 100% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means marketing expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; andactivities technical licenses, consultants’ ser- vices, training and export promotlon and marketing activities (b) interest on Amounts capitalized the term "local expenditures" means expenditures in the currency Sub-loan pursuant to para- graph 2 of the Guarantor or for goods or services supplied from the territory Annex to Schedule 6 to this Agreement (2) Livestock feed 25,000,000 100% of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such foreign under Part B expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.TOTAL 100,000,000

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board President of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Land Bank of the Philippines 317-319 Sen. ▇▇▇ ▇. ▇▇▇▇▇ Avenue Makati, Metro Manila Republic of the Philippines Fax: Telex: (▇▇▇-▇) ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ LBP PH 64045 LBP PH For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK INTBAFRAD 197688 (TRT) ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (RCA) 64145 (WUI) or 82987 (FTCC) IN WITNESS WHEREOF, WHEREOF the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇▇▇ Regional Vice President East Asia and Pacific LAND BANK OF THE PHILIPPINES By /s/ Jesli ▇. ▇▇▇▇▇ Authorized Representative SCHEDULE 1 Withdrawal of the Proceeds of the Loan Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the FRSC Loan, the allocation of the amount amounts of the FRSC Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the FRSC Loan Allocated % of (Expressed in Dollar EquivalentExpenditures Category Dollars) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 Financed (1) VSC-Sub-loans 25,000,000 100% of foreign expenditures, amounts under Part A of disbursed the Project (2) VSC-Sub-loans 25,000,000 100% of local expenditures (ex-factory cost) and 60% amounts under Part B of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of disbursed the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.TOTAL 50,000,000

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Development and International Cooperation of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministry of Development and International Cooperation Place ▇▇▇ ▇▇▇▇▇▇▇ Tunis Republic of Tunisia Cable Address: Telex: Facsimile: MCCIIE 18060 216-71-351666 ▇▇▇-▇▇-▇▇▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. REPUBLIC OF TUNISIA By /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanRegional Vice President Middle East and North Africa 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar Equivalent) Euros % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 Financed (1) Goods 3,900,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 6090% of local ex- penditures expenditures for other items pro- cured locallyprocured locally (2) Consultants’ services 5,200,000 87% consultants domiciled within the territory of the Borrower and 79% for services of other consultants (3) Training, workshops and seminars 700,000 100% (4) Front-end fee 108,000 Amount due under Section 2.04 of this Agreement (5) Unallocated 892,000 TOTAL 10,800,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance or any Deputy Minister of Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ Russian Federation International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (RCA), 64l45 (WUI) or IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. RUSSIAN FEDERATION By /s/ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Europe and Central Asia Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed MachineryFinanced (1) Technical Assistance under Part A (1) of the Project (a) Engineering, equipment 20,500,000 100% Procurement, and other goods under Technical Services (b) Other Consultants’ 5,500,000 100% Services (2) Parts A and B of the Project 54,000,000 in: (a) Ryazan: 59,100,000 (i) Works 100% of foreign expenditures and 80% of local expenditures (ii) Goods 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) (a) Ryazan (contd.) and 80% of local expenditures for other items procured locally (iii) Consultants’ 100% services (b) ▇▇▇▇▇▇▇▇: 54,500,000 (i) Works 100% of foreign expenditures and 80% of local expenditures (ii) Goods 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 6080% of local ex- penditures expenditures for other items pro- cured procured locally 2. For the purposes of this Schedule:(iii) Consultants’ 100% services (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity Petrozavodsk: 34,800,000 (i) Works 100% of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing foreign expenditures and 80% of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.local expenditures

Representative of the Borrower; Addresses. Section 7.01. The Chairman Except as provided in Section 2.10 of this Agreement, the Director General de Crédito Público of the Board of the Borrower Borrower’s SHCP is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Secretaría de Hacienda y Crédito Público Dirección General de Crédito Público ▇▇▇▇▇▇▇ Nacional Patio Central 3er piso, oficina ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇.▇. Facsimile: 011-52-555-228-1156 For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoMexico City, Arab Repulic of EgyptMexico, as of the day and year first above written. UNITED MEXICAN STATES INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B Financed (1) Goods (excluding vehicles) for Part A.2 of the Project 54,000,000 3,749,770 85% (2) Consultant services (except as covered by Category (3) below) (a) under Part A of the Project 29,976,000 100% of foreign expenditures, ; 83% of local expenditures (b) under Part B of the Project: (i) for the Chiapas and Huasteca regions of the Expansion Project Area 6,100,000 100% of foreign expenditures; 83% of local expenditures (ii) for Expansion Project Area regions other than the regions covered by sub-Category (i) 12,000,000 100% of foreign expenditures; 83% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollars) to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Financed

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board International Cooperation of the Borrower is and the Under Secretary of State for International, Regional and Arab Financing Organizations of the Ministry of International Cooperation of the Borrower, are severally designated as representative representatives of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministry of International Cooperation ▇ ▇▇▇▇ ▇▇▇▇▇▇ Cairo, Egypt Cable Address: Facsimile: Ministry of International Cooperation (▇▇▇) ▇▇▇ ▇▇▇▇ Cairo, Arab Republic of Egypt (▇▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoLuxor, Arab Repulic Republic of Egypt, as of the day and year first above written. ARAB REPUBLIC OF EGYPT By /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan▇▇▇ 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Dollar EquivalentExpenditures Category Dollars) to be financed (1) Works for: (a) Public KGs 16,000,000 100% of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 fixed amount financing (b) Community KGs 1,000,000 100% (2) Goods 2,350,000 100% of foreign expenditures, 100% of local expenditures (ex-ex- factory cost) and 6075% of local ex- penditures expenditures for other items pro- cured procured locally (3) Front-end fee 100,000 Amount due under Section 2.04 of this Agreement (4) Premia for Interest 0 Amount due under Rate Caps and Interest Rate Section 2.09(c) of Collars this Agreement (5) Unallocated 550,000 TOTAL 20,000,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ Street Baku AZ1022 Republic of Azerbaijan For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Telex: 142116 BNKSL Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoBaku, Arab Repulic Republic of EgyptAzerbaijan, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT REPUBLIC OF AZERBAIJAN By /s/ ▇▇▇▇▇ ▇▇▇▇-▇▇ Authorized Representative INTERNATIONAL DEVELOPMENT ASSOCIATION By /s/ ▇▇▇ ▇▇▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Amount of the Credit Allocated % of Category Loan Allocated (Expressed in Dollar SDR Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts Financed (1) Goods (a) for Part A and B of the Project 54,000,000 6,600,000 100% of foreign expenditures, 100% of local (b) for Part B 530,000 expenditures (ex-factory cost) and 6080% of local ex- penditures expenditures for other items pro- cured procured locally (2. For the purposes of this Schedule: ) Consultants’ Services including Audit Costs (a) the term "foreign expenditures" means for Part A 770,000 75% of local expenditures in the currency for services of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and individual consultants domiciled (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from Part B 100,000 within the territory of the Guarantor. 3. The Bank may require withdrawals from Borrower, 95% of (c) for Part C 200,000 local expenditures for services of consulting firms within the Loan Account territory of the Borrower and 85% of foreign expenditures for services of other individual consultants and consulting firms Category Amount of the Credit Allocated (Expressed in SDR Equivalent) % of Expenditures to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: Financed (3) Training 100% (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, for Part A 100,000 (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and B 20,000 (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. 50,000 (a4) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Incremental Operating Costs 30,000 90% TOTAL 8,400,000

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board of the Borrower is designated as the representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington▇▇▇▇▇▇▇▇▇▇, D.C. 20433 United States ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ of America Cable address: Telex: Washington, D.C. Facsimile: INTBAFRAD 248423 (RCA), 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ Cairo Egypt Cable address(MCI) For the Borrower: Telex: TASLEEF BANK Joint Stock Company “The State Export-Import Bank of Ukraine” ▇▇▇, ▇▇▇▇▇▇▇ Cairo ▇▇▇. ▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇ Telex: Facsimile: ▇▇▇▇▇▇ ▇▇▇▇ 38044 247 8082 IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoKyiv, Arab Repulic of EgyptUkraine, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇▇ Authorized Representative PRINCIPAL JOINT STOCK COMPANY “THE STATE EXPORT-IMPORT BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT OF UKRAINE” By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Mykolaiovych Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the of the Loan Allocated (Expressed in Dollar EquivalentUSD) % of Expenditures to be Financed Machinery, equipment Financed (1) Sub-loans and other goods Lease Financing 150,000,000 100 % (2) Goods and Services 3,000,000 100% (3) Front-end Fee 386,250 Amount due under Parts A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes Section 2.04 of this Schedule: Agreement (a4) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Unallocated 1,113,750 TOTAL 154,500,000

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board President of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK INTBAFRAD 440098 (ITT), ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ (RCA) or 64145 (WUI) For the Borrower: National Bank of Poland ▇▇▇▇▇▇▇▇▇▇▇▇▇ Cairo ▇▇/▇▇ ▇▇-▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ of Poland Cable address: Telex: NARBANK ▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇▇▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoWarsaw, Arab Repulic Republic of EgyptPoland, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan President NATIONAL BANK OF POLAND 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts Financed (1) Under Part A and B 75,000,000 of the Project 54,000,000 Project: (a) goods, tech- nical licenses, consultants’ services, training, and export promo- tion and marketing activities 100% of foreign expenditures, expenditures and 100% of local expenditures (ex-factory cost) for goods, and 60100% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; andtechnical licenses, consultants’ ser- vices, training and export promotlon and marketing activities (b) interest on the term "local expenditures" means expenditures in the currency Sub-loan Amounts capitalized pursuant to para- graph 2 of the Guarantor or for goods or services supplied from the territory of the Guarantor.Annex to Schedule 6 to this Agreement 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services (2) Livestock feed under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives Part B of the Project are: (a) to increase agricultural productivity through the promotion 25,000,000 100% of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.expenditures TOTAL 100,000,000

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board Chief Executive Officer of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: INTBAFRAD 440098 (ITT), Washington, D.C. 248423 (RCA), ) or 64145 (WUI) or For the Borrower: Caisse Nationale de CrŒdit Agricole ▇▇ ▇▇▇ ▇'▇▇▇ ▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Kingdom of Morocco Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo CREDIAGRICOLE 31657M Rabat, Morocco 32956M IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe city of Rabat, Arab Repulic Kingdom of EgyptMorocco, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇. ▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ NATIONAL BANK FOR AGRICULTURAL CREDIT By /s/ ▇. ▇▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) to be Financed (1) Sub-loans under (a) for greenhouses 30,000,000 75% of Expenditures to be Financed Machinery, equipment and amounts paid by the Borrower (b) for other goods 86,000,000 25% of amounts paid investments by the Borrower (2) Sub-loans under Parts 15,000,000 50% of amounts paid Part A and B (2) of the Project 54,000,000 to by the Borrower agro-processing and enterprises (3) Sub-loans under 20,000,000 100% of amounts Part A (3) of paid by the the Project to Borrower enterprises (4) Sub-loans under 10,000,000 33% of amounts paid Part A (4) of by the Borrower the Project to Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) to be Financed (5) Sub-loans under 20,000,000 20% of amounts paid Part A (5) of by the Borrower the Project to fishermen (6) Sub-loans under 2,000,000 25% of amounts paid Part A (6) of by the Borrower the Project to artisans and rural enterprises (7) Goods for Part C (1) 4,600,000 100% of foreign expenditures, 100of the Project expenditures and 80% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured procured locally (8) Consultants’ ser- 1,000,000 100% vices, training and fellowships for Part C (1) of the Project (9) Civil works for 1,400,000 47% Part C (2) of the Project TOTAL 190,000,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank Notwithstanding the provisions of paragraph 1 above, no withdrawals shall be made in respect of: (a) payments made for expenditures prior to the date of this Agreement, except that withdrawals, in an aggregate amount not exceeding the equivalent of $19,000,000, may require withdrawals from the Loan Account to be made on account of payments made for expenditures before that date but after October 1, 1988; and (b) Sub-loans under Part A (3) of the basis Project to be financed out of statements the proceeds of expenditure for such expenditures for goods, works the Loan allocated to Category (3) unless the Borrower shall have established and services under contracts not exceeding $50,000 equivalent, under such communicated to the Bank terms and conditions as satisfactory to the Bank upon which such Sub- loans shall specify by notice to the Borrowerbe made. The objectives of the Project areare to: (a1) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of assist the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of such productive facilities and resources as will contribute to the development of the Guarantor’s agricultural, rural investments and improve coordination among agencies responsible for fishing sectors; and (2) strengthen and expand the provision of agricultural services in the areas of credit, marketing Borrower’s banking operations and technology transferinstitutional capabilities. The Project consists of the following parts, subject to such modifications thereof as the Borrower Bank and the Bank Borrower may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.:

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Secretary of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Secretary of Finance Department of Finance Manila, Philippines Cable address: Telex: MINFIN 7550 CBP-PH Manila 40268 CB-CONF For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: INTBAFRAD 197688 (TRT) Washington, D.C. 248423 (RCA), ) 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo 82987 (FTCC) IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. REPUBLIC OF THE PHILIPPINES By /s/ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures expen- ditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 Financed (1) Goods consisting 38,340,000 100% of foreign of equipment, expenditures, 100% materials and of local expenditures expen- vehicles ditures (ex-ex- factory cost) and 6065% of local ex- penditures expenditures for other items pro- cured locally (2. For the purposes of this Schedule) Civil Works: (a) the term "foreign expenditures" means expenditures in the currency shallow ▇▇▇▇▇ 2,700,000 57% of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; andUnit Cost with pump per completed unit (b) the term "local expenditures" means expenditures in the currency deep ▇▇▇▇▇ 17,190,000 57% of the Guarantor or for goods or services supplied from the territory of the Guarantor.Unit Cost with pump per completed unit 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional levelspring deve- 2,100,000 57% of Unit Cost lopment per completed unit (d) well rehabi- 510,000 57% of Unit Cost litation per completed unit (e) workshop 200,000 57% of Unit Cost buildings per completed unit (f) household 4,830,000 57% of Unit Cost latrines per completed unit (g) school 2,670,000 57% of Unit Cost toilets per completed unit (h) minor water 1,310,000 57% supply works including water treatment units and rain- water collectors (i) minor sanitation 940,000 57% works including public/communal toilets, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments sullage removal units and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under waste water treatment units Sub-loanstotal 32,450,000 (3) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. 4,410,000 100% services (a4) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Unallocated 9,800,000 TOTAL 85,000,000

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance 71000 Sarajevo Bosnia and Herzegovina For the Trustee: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (RCA), 64145 (WUI) or IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Trust Fund Agreement to be signed in their respective names in CairoWashington, Arab Repulic of Egypt, D.C. as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION BOSNIA AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT HERZEGOVINA By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Authorized Representative Withdrawal INTERNATIONAL DEVELOPMENT ASSOCIATION (Acting as Trustee of the Proceeds of the LoanTrust Fund for Bosnia and Herzegovina) By /s/ ▇▇▇▇▇▇▇▇ ▇▇▇▇ Authorized Representative 1. The table below sets forth the Categories of items to be financed out of the proceeds of Credit and the LoanGrant, the allocation allocations of the amount of the Loan Credit and the Grant to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of the Amount of the Credit Allocated Grant Allocated % of (Expressed in (Expressed in Expenditures Category Dollar EquivalentEquivalent)Dollar Equivalent)to be Financed (1) Goods 100% of Expenditures to be Financed Machineryforeign (a) under Part A(1) 0 160,000 expenditures, equipment and other goods under Parts A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures items (b) under Part A(2) 0 1,840,000 (ex-factory of the Project cost) and 6085% of local ex- penditures local (c) under Part C 15,000,000 0 expenditures of the Project for other items pro- cured locallyprocured (d) under Part of the Project D 0 2,300,000 (2) Sub-loans under Part B of the Project 15,000,000 0 100% of amounts disbursed (3) Consultants’ services, training and studies 100% (a) under Part A(1) of the Project 0 80,000 (b) under Part A(2) of the Project 0 920,000 (c) under Part D(2) of the Project 0 700,000 (4) Incremental operating costs 100% (a) under Part A(1) of the Project 0 650,000 (b) under Part A(2) of the Project 0 1,350,000 (5) Social benefits under Part D(1) of the Project 0 7,000,000 100% TOTAL 30,000,000 15,000,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance Vuna Road, Nuku ‘alofa Kingdom of Tonga Facsimile: ▇▇▇-▇▇-▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT KINGDOM OF TONGA By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Siosiua T. T. ‘Utokamanu Authorized Representative PRINCIPAL BANK FOR INTERNATIONAL DEVELOPMENT AND AGRICULTURAL CREDIT ASSOCIATION By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Jemal ud-din Kassum Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of the Credit Allocated % of (Expressed in Dollar Expenditures Category SDR Equivalent) % of Expenditures to be Financed Machinery, equipment Financed (1) Consultants’ services 662,000 90% for individual under Part A (except consultants and other goods under Parts A and B 100% Part A.3(a)) of the for consulting firms Project 54,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locallyTOTAL 662,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank Borrower may require request withdrawals from the Loan Credit Account to be made on the basis of statements of expenditure for reports to be submitted to the Association in form and substance satisfactory to the Association, such expenditures for goods, works reports to include the financial monitoring report and services under contracts not exceeding $50,000 equivalent, under such terms and conditions any other information as the Bank Association shall specify by notice to the BorrowerBorrower (Report-based Disbursements). The objectives In the case of the Project are: (a) first such request submitted to increase agricultural productivity through the promotion of appropriate technological packages at Association before any withdrawal has been made from the farm levelCredit Account, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as shall submit to the Association only a rural financial institution, encourage wider participation by banking institutions in statement with the financing projected sources and applications of rural investments and improve coordination among agencies responsible funds for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out six-month period following the date of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financingrequest. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P. O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. REPUBLIC OF INDONESIA INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment and other goods Financed (1) Goods under Parts Part A and B of the Project 54,000,000 Project, including installation 102,000,000 100% of foreign expenditures, expenditures and 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally (2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services Information technology equipment under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C A of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.including installation 20,000,000 80%

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance c/o Directorate General of Treasury ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P.O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By REPUBLIC OF INDONESIA By: /s/ ▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR INTERNATIONAL DEVELOPMENT AND AGRICULTURAL CREDIT By ASSOCIATION By: /s/ ▇▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanRepresentative A. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Credit and the Loan, the allocation of the amount amounts of the Credit and the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Credit Allocated (Expressed in SDR Equivalent) Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment Financed (1) Kelurahan Grants 37,400,000 25,100,000 100% of Grant or and other goods Sub-loans Sub-loan amount disbursed (2) Poverty Alleviation - 30,900,000 100% of Grant Partnership Grants amount disbursed (3) Consultants’ services 10,000,000 8,300,000 100% under Parts A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C D of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P. O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By REPUBLIC OF INDONESIA By: /s/ ▇▇▇▇▇ ▇▇▇▇-▇ Authorized Representative INTERNATIONAL DEVELOPMENT ASSOCIATION By: /s/ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanPart A: General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Credit and the Loan, the allocation of the amount amounts of the Credit and the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Credit Allocated (Expressed in SDR Equivalent) Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) (1) % of Expenditures to be Financed Machinery, equipment and other goods (a) Grants under Parts Part A and B of the Project 54,000,000 10028,920,000 49,400,000 30% of foreign expendituresGrant amount disbursed for Sub-projects in Kabupatens with above average financial capacity, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures Grant amount disbursed for other items pro- cured locally 2. For the purposes Sub-projects in Kabupatens with average financial capacity, and 80% of this Schedule: (a) the term "foreign expenditures" means expenditures Grant amount disbursed for Sub- projects in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and Kabupatens with below average financial capacity (b) the term "local expenditures" means expenditures in the currency Kecamatan Planning Grants Amount of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: Credit Allocated (aExpressed in SDR Equivalent) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity Amount of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate Allocated (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded Expressed in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Dollars)

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Minister of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P.O. Box 139 Jakarta, Indonesia Cable address: Telex: FINMINISTRY 44319 DEPKEU IA Jakarta 45799 DJMLN IA For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: INTBAFRAD 197688 (TRT) Washington, D.C. 248423 (RCA), ) 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo 82987 (FTCC) IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇▇▇▇ ▇▇▇▇-▇▇▇▇ REPUBLIC OF INDONESIA By /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures expen- ditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and Financed (1) Civil works 53% (a) DKI Jakarta 21,600,000 (b) Kabupaten Bogor 1,100,000 (c) Kabupaten 900,000 Tangerang (d) Kabupaten Bekasi 1,100,000 (2) Equipment (other goods under Parts A and B of the Project 54,000,000 100% of foreign than container expenditures, ; trucks): 100% of local expenditures expenditures (a) DKI Jakarta 3,900,000 (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be Kabupaten 100,000 procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.locally Tangerang

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of Finance of the Board Borrower or authorized Deputy Minister of Finance of the Borrower is designated as representative representatives of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance of the Russian Federation ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇ 103097 Moscow Russian Federation Telex: Facsimile: 112008 (095) 925-0889 For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoMoscow, Arab Repulic of EgyptRussian Federation, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By RUSSIAN FEDERATION By: /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ Authorized Representative PRINCIPAL INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed MachineryFinanced (1) Goods, equipment including technical services, but excluding goods and other goods technical services under Parts A A.3 and B A.4 of the Project 54,000,000 30,440,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60), 81% of local ex- penditures expenditures for other non-medical items pro- cured procured locally 2. For the purposes , 98% of this Schedule:local expenditures for medical items procured locally (cost net of VAT) (a2) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goodsGoods, works and services under contracts not exceeding $50,000 equivalentincluding technical services, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives Part A.3 of the Project are: 68,270,000 100% of foreign expenditures, 100% of local expenditures (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of offex-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUsfactory cost), to be staffed by appropriate specialists in technology transfer81% of local expenditures for other non-medical items procured locally, and 98% of local expenditures for medical items procured locally (ccost net of VAT) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity Category Amount of the Loan Allocated (Expressed in Dollars) % of Expenditure to be prepaid shall be Financed (3) Goods, including technical services under Part A.4 of the percentage specified Project 18,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost), 81% of local expenditures for the applicable time other non-medical items procured locally, 98% of prepayment below: Time local expenditures for medical items procured locally (cost net of Prepayment Premium The interest rate VAT) (expressed as a percentage per annum4) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C services, including audit 14,900,000 79% of the Project Section I. Procurement expenditures for consulting firms, 87% of Goods and Works Part A: International Competitive Bidding 1. (a) Vehiclesexpenditures for individual consultants, and office and laboratory equipment and (b) all other items 100% of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.eligible social charges

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board of Finance the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance c/o Directorate General of Treasury ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P.O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of Egypt, Indonesia as of the day and year first above written. REPUBLIC OF INDONESIA By /s/ ▇▇▇▇▇ ▇. Nasution Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Dollar EquivalentExpenditures Category Dollars) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 100financed (1) Works 3,000,000 75 % (2) Goods 66,230,000 100 % of foreign expenditures, 100% of local expenditures (ex-factory cost) and 6075 % of local ex- penditures expenditures for other items pro- cured procured locally 2. For the purposes (3) Consultants’ 10,570,000 100% services and training (4) Front-end fee 200,000 Amount due under Section 2.04 of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Agreement TOTAL 80,000,000

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇ Cable address: Telex: Facsimile: Ministry of Finance Sofia ▇▇▇▇▇ (▇▇▇)▇-▇▇▇▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe City of Sofia, Arab Repulic Republic of EgyptBulgaria, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT REPUBLIC OF BULGARIA By /s/ ▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentCategory Euro) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 financed (1) Works 8,400,000 50% (2) Goods 10,800,000 100% of foreign expenditures, ; 100% of local expenditures (ex-factory cost) ); and 6080% of local ex- penditures expenditures for other items pro- cured procured locally (3) Consultants’ services, including 11,800,000 95% of foreign audit services and training expenditures; and 85% of local expenditures (4) Front-end fee 319,000 Amount due under Section 2.04 of this Agreement (5) Unallocated 581,000 TOTAL 31,900,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P. O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT REPUBLIC OF INDONESIA By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanINTERNATIONAL DEVELOPMENT ASSOCIATION By /s/ ▇▇▇▇▇▇ ▇▇▇▇▇ Authorized Representative A. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: (1) Goods: Category Loan Allocated in SDR Equivalent) (Expressed in Dollar Equivalenta) % of Expenditures to be Financed Machineryunder Part B.1(e) and (f), equipment and other goods under Parts A and B B.2(g), B.4(b) of the Project 54,000,000 750,000 1,300,000 80% of foreign expenditures, 80% of local expenditures (ex- factory cost), and 60% of local expenditures for other items procured locally (b) under other Parts of the Project (except Part B.5) 480,000 900,000 100% of foreign expenditures, 100% of local expenditures (ex-ex- factory cost) ), and 6080% of local ex- penditures expenditures for other items pro- cured locally procured locally (2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Community Support 1,700,000 4,000,000 80% Services

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance ▇/▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Timur 2-4 ▇.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK Facsimile: INDEVAS ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (MCI) or 64145 (MCI) (▇▇▇) ▇▇▇-▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. REPUBLIC OF INDONESIA By: /s/ Mulia Nasution Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By By: /s/ ▇▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 Financed (1) Sub-project Loans 40,275,000 100% of foreign expenditures, Sub-project amount disbursed (2) Consultants’ Services 2,500,000 100% (3) Front-end Fee 225,000 Amount due under Section 2.04 of local expenditures the Loan Agreement (ex-factory cost4) and 60% of local ex- penditures for other items pro- cured locallyUnallocated 2,000,000 TOTAL 45,000,000 2. For Notwithstanding the purposes provisions of paragraph 1 above, no withdrawals shall be made in respect of payments made for expenditures prior to the date of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the GuarantorAgreement. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project arefor: (ai) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, Sub-project Loans; (bii) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible contracts for the provision employment of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more consulting firms costing less than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.100,000 equivalent;

Representative of the Borrower; Addresses. Section 7.01. The Chairman Undersecretary of the Board Treasury of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ba□ bakanl□k Hazine Müste□ arl□□ □ □nönü Bulvar□ ▇▇▇▇-Ankara Republic of Turkey Cable address: Telex: Facsimile: HAZINE 44 232HZM-TR 44 404HZM-TR (▇▇▇) ▇▇▇-▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoAnkara, Arab Repulic Republic of EgyptTurkey, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of Category (Expressed in Dollar EquivalentDollars ) % of Expenditures to be Financed MachineryFinanced (1) Goods, equipment works and other consultants’ services financed under Sub-loans and goods financed under Parts Financing Leases: 100% of amounts disbursed (a) under Part A and of the Project 150,000,000 (b) under Part B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures 50,000,000 (ex2) Front-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes end fee 2,020,300 Amount due under Section 2.04 of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Agreement

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: INTBAFRAD 197688 (TRT) Washington, D.C. 248423 (RCA), ) 64145 (WUI) or 82987 (FTCC) For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇Development Bank of the Philippines Sen. ▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Avenue Corner Makati Avenue Makati, Metro Manila Philippines Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo PHILDEBANK 22197 Manila IN WITNESS WHEREOF, WHEREOF the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ . ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ Regional Vice PresidentAsia DEVELOPMENT BANK OF THE PHILIPPINES By /s/ ▇. ▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures expendi- tures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed MachineryFinanced (1) Goods, equipment and other goods under Parts A and B of the Project 54,000,000 works 175,000,000 100% of foreign expenditures, 100% of local and services expenditures (ex-factory cost) and financed by 60% of local ex- penditures for other items pro- cured locallySubsidiary Loans, expenditures Sub-loans and Investments under Part A of the Project TOTAL 175,000,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require Notwithstanding the provisions of paragraph 1 above, no withdrawals from shall be made: (a) in respect of a Sub-loan or Investment unless the Loan Account to be Sub- loan or Investment has been made in accordance with the procedures and on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice set forth or referred to in Schedule 4 to this Agreement; and (b) in respect of payments made for expenditures prior to the Borrowerdate of this Agreement. Description of the Project The objectives of the Project areare to: (a) to increase agricultural productivity through support the promotion of appropriate technological packages at revival and/or the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity strengthening of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists industrial sector of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Philippines;

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P. O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanPart A: General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Credit and the Loan, the allocation of the amount amounts of the Credit and the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Credit Allocated (Expressed in SDR Equivalent) Amount of the Loan Allocated (Expressed in Dollar Dollars) (1) (a) Grants for Sub- projects 20,130,000 126,615,000 30% of Grant amount disbursed for Sub-projects in Kabupatens with above average financial capacity, 60% of Grant amount disbursed for Sub-projects in Kabupatens with average financial capacity, and 80% of Grant amount disbursed for Sub- projects in Kabupatens with below average financial capacity (b) Kecamatan Planning Grants 3,360,000 21,135,000 100% of Grant amount disbursed Amount of the Credit Allocated (Expressed in SDR Equivalent) % Amount of Expenditures to be Financed Machinery, equipment and other goods the Loan Allocated (Expressed in dollars) (2) Training under Parts A B through E of the Project, facilitation support under Parts B through E of the Project, and B workshops (3) Consultants’ services under: (a) Part C of the Project (b) Part D and E of the Project 54,000,000 100(4) Incremental operating costs 250,000 1,572,000 80% (5) Fee n.a. 2,043,000 Amount due under Section 2.04 of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locallythe Loan Agreement TOTAL 32,160,000 204,300,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in terms “Kabupatens with above average financial capability”, “Kabupatens with average financial capability” and “Kabupatens with below average financial capability” mean Kabupatens so classified by the currency of any country other than that Borrower pursuant to the provisions of the Guarantor for goods or services supplied from the territory of any country other than that of the GuarantorBorrower’s Decree MOF-No. 35/KMK.072/2002; and (b) the term "local expenditures" “Incremental operating costs” means the reasonable and documented expenditures in incurred by the currency PMD Secretariat for staff travel and consumables for purposes of implementing the Guarantor or for goods or services supplied from Project and which expenditures would not have been incurred absent the territory of the GuarantorProject. 3. Notwithstanding the provisions of paragraph 1 above, no withdrawals shall be made in respect of payments made for expenditures prior to the date of this Agreement. 4. The Bank Association may require withdrawals from the Loan Credit Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project areunder: (ai) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible Grants for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.projects;

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P. O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. REPUBLIC OF INDONESIA By /s/ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Dollar EquivalentExpenditures Category Dollars) % of Expenditures to be Financed Machinery, equipment and other goods Financed (1) Civil works (a) under Parts A and B Part A.1 23,260,000 70% of the Project 54,000,000 Provinces with above average financial capacity; and 60% for Project Provinces with average financial capacity; and 90% for Project Provinces with below average financial capacity (c) under Part A.3 52,440,000 30% for Project Kabupatens with above average financial capacity; and 60% for Project Kabupatens with average financial capacity; and 90% for Project Kabupatens with below average financial capacity Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollars) to be Financed (2) Goods 6,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 6080% of local ex- penditures expenditures for other items pro- cured procured locally (3) Incremental operating 1,600,000 80% costs (4) Consultants’ services 34,470, 000 100% and training (5) Fee 2,000,000 Amount due under Section 2.04 of this Agreement (6) Unallocated 26,760,000 TOTAL 200,000,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Except as provided in Section 2.11 of this Agreement, the Board Minister of Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Minister of Finance and Public Credit ▇▇▇▇▇▇▇ de los Ministerios Plaza San ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ 7a.,Número 6-45, Piso 3 Bogotá, D.C. Colombia Cable address: Telex: Facsimile: MINHACIENDA 43289 MHAC (▇▇▇) ▇▇▇-▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoWashington, Arab Repulic District of EgyptColumbia U.S.A., as of the day and year first above written. /s/ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of Regional Vice President Latin America and the Proceeds of the LoanCaribbean 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment Financed (1) Goods (except as covered in Categories (4) and other goods under Parts A and B of the Project 54,000,000 (5) below) 2,048,500 100% of foreign expenditures, 100100 % of local expenditures (ex-factory cost) ); and 6084% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule:expenditures (a2) the term "foreign expenditures" means expenditures Consultants’ services including audits (except as covered in the currency of any country other than that Category 4 below) 4,365,500 73% (3) Tertiary Education Loans and Grants under Parts A.1 and and A.2 of the Guarantor Project 183,900,000 85% of amounts disbursed by ICETEX to Eligible Students until withdrawals for goods or services supplied from the territory this Category have reached an aggregate amount of any country other than that of the Guarantor; and $87,450,000 and 65% thereafter (b4) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goodsGoods, works and Consultants’ services for Doctoral Program Subprojects under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives Part B of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity 6,000,000 60% Category Amount of the Loan Allocated (Expressed in Dollars) % of Expenditures to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Financed

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance (MOF) of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance of the Republic of Lithuania ▇. ▇▇▇▇ – Vaizganto 8a/2 Vilnius LT-2600 Lithuania Cable address: Telex: Facsimile: Ph: (370 2) 390 113 (370 2) 390 109 For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoVilnius, Arab Repulic of EgyptLithuania, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By REPUBLIC OF LITHUANIA By: /s/ ▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇▇▇▇ Authorized Representative PRINCIPAL INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AND AGRICULTURAL CREDIT By By: /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of Expenditures Category (Expressed in Dollar EquivalentEURO Equivalent ) % of Expenditures to be Financed MachineryFinanced (a) Civil works, equipment and other goods under Parts A and B Design & Supervision Services for Part C of the Project 54,000,000 project 17,900,000 100% (b) Small civil works, Design and Supervision Services for Part D of the project 750,000 82% (2) Goods, Vehicles 7,000,000 100% of foreign expenditures, 100% of local expenditures (ex-ex- factory cost) and 60cost 82% of local ex- penditures expenditure for other items pro- cured procured locally. 2. For the purposes (3) Consultants’ Services, Seminars and Publishing 830,00082% (4) Front end fee 290,000 (5) Premia for Interest Rate Cap and Interest Rate Collar 0 Amount due under sec 2.09(c) of this Schedule: Agreement (a6) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Unallocated 2,230,000

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance c/o Directorate General of Treasury ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P.O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. REPUBLIC OF INDONESIA By: /s/ Mulia Nasution Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By By: /s/ ▇▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 Financed (1) Sub-project Loans 40,275,000 100% of foreign expenditures, Sub-project amount disbursed (2) Consultants’ Services 2,500,000 100% (3) Front-end Fee 225,000 Amount due under Section 2.04 of local expenditures the Loan Agreement (ex-factory cost4) and 60% of local ex- penditures for other items pro- cured locallyUnallocated 2,000,000 TOTAL 45,000,000 2. For Notwithstanding the purposes provisions of paragraph 1 above, no withdrawals shall be made in respect of payments made for expenditures prior to the date of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the GuarantorAgreement. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project arefor: (ai) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, Sub-project Loans; (bii) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible contracts for the provision employment of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more consulting firms costing less than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.100,000 equivalent;

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance ▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ Republic of Tajikistan Facsimile: (992-372) 213329 For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoAlmaty, Arab Repulic Republic of EgyptKazakhstan, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By REPUBLIC OF TAJIKISTAN By: /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Narzullo Abibullaev Authorized Representative PRINCIPAL BANK FOR INTERNATIONAL DEVELOPMENT AND AGRICULTURAL CREDIT By ASSOCIATION By: /s/ ▇▇▇▇▇▇ ▇. ▇▇ ▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of the Credit Allocated % of (Expressed in Dollar Expenditures Category SDR Equivalent) % of Expenditures to be Financed MachineryFinanced (1) Goods, equipment works and other goods services for 6,700,000 73% Micro-Projects under Parts A A.1 and B A.2 of the Project 54,000,000 Project (2) Goods for Parts A.3, A.4, B 145,000 100% of foreign and C of the Project expenditures, 100% of local expenditures (ex-factory cost) and 6078% of local ex- penditures expenditures for other items pro- cured procured locally 2. For the purposes of this Schedule: (a3) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part services, training 1,102,000 100% and auditing under Parts A.3, A.4, B and C of the Project Section I. Procurement of Goods and Works (4) Subloans under Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II B of the Guidelines.Project 683,000 100% of amounts disbursed (5) Incremental Operating Costs 1,110,000 100% (6) Refunding of 374,000 Amount due pursuant Project Preparation to Section 2.02 (c) of Advance this Agreement (7) Unallocated 986,000 TOTAL

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance c/o Directorate General of Treasury ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P.O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of Egypt, Indonesia as of the day and year first above written. REPUBLIC OF INDONESIA INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan Loan, Credit and Japan Grant to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B Amount of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures Japan Grant (ex-factory costExpressed in Dollars) (1) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country Goods other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.SPAN - 2,000,000 - 100%

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Development and International Cooperation of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministry of Development and International Cooperation Place ▇▇▇ ▇▇▇▇▇▇▇ Tunis Republic of Tunisia Cable Address: Telex: Facsimile: MCCIIE 18060 216-71-351666 ▇▇▇-▇▇-▇▇▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK Facsimile: INTBAFRAD ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (MCI) or 64145 (MCI) (▇▇▇) ▇▇▇-▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. REPUBLIC OF TUNISIA By /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanRegional Vice President Middle East and North Africa 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the % of Loan Allocated Expenditures Category (Expressed in Dollar EquivalentEuros) to be Financed (1) Matching Grants under 13,900,000 100% of Expenditures to be Financed Machinery, equipment and other goods under Parts amounts of Part A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures Matching Grants Disbursed to any Beneficiary (ex-factory cost2) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this ScheduleGoods: (a) the term "under Parts A.2 and 85,000 100% of foreign expenditures" means expenditures in the currency 80% of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and local (bd) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives Part D of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.8,800,000

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministerio de Hacienda Direccion General Sectorial de Finanzas Publicas Edificio Norte, Piso 5 Centro ▇▇▇▇▇ ▇▇▇▇▇▇▇ Caracas ▇▇▇▇, ▇▇▇▇▇▇▇▇▇ Telex: 24215 HDACP For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. REPUBLIC OF VENEZUELA By /s/ ▇▇▇▇▇▇ ▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Regional Vice President Latin America and the Caribbean SCHEDULE 1 Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures expen- ditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and other Financed (1) Imported goods under Parts Part A and B of the Project 54,000,000 to be financed under the First Tranche 71,000,000 100% of foreign expenditures, (2) Imported goods under Part A of the Project to be financed under the Second Tranche 71,000,000 100% of local expenditures foreign expenditures (ex-factory cost3) and 60Imported goods under Part A of the Project to be financed under the Third Tranche 76,000,000 100% of local ex- penditures for other items pro- cured locallyforeign expenditures (4) Debt Reduction Plan 75,000,000 To be agreed by the Bank and the Borrower, subject to paragraph 8 below Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) to be Financed (5) Consultant 7,000,000 100% services, studies and training under Part B of the Project TOTAL 300,000,000 2. For the purposes of this Schedule: (a) Schedule the term "foreign expendituresexpendi- tures" means expenditures in the currency of any country other than that of the Guarantor Borrower for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) Borrower, and the term "local expendituresTable" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those table set forth in Sections I and II paragraph 1 of the Guidelinesthis Schedule.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Governor or any Deputy Governor of the Board State Bank of Vietnam of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: State Bank of Vietnam 49 Ly Thai To, Hanoi Socialist Republic of Vietnam Cable address: Telex: Facsimile: VIETBANK Hanoi 412248 NHTWVT ▇▇-▇-▇▇▇▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoHanoi, Arab Repulic Socialist Republic of EgyptVietnam, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT SOCIALIST REPUBLIC OF VIETNAM By /s/ ▇Le ▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR INTERNATIONAL DEVELOPMENT AND AGRICULTURAL CREDIT ASSOCIATION By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Allocated (Expressed in Dollar EquivalentSDRs) to be Financed (1) Sub-loans: (a) under Part A.1 of 132,710,000 100% of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of Sub-loan amount the Project 54,000,000 disbursed (b) under Part A.2 of 19,230,000 100% of Sub-loan amount the Project disbursed (2) Goods under Part B 4,490,000 100% of foreign of the Project expenditures, 100% of local expenditures (ex-ex- factory cost) and 6065% of local ex- penditures expenditures for other items pro- cured procured locally 2. For the purposes of this Schedule:(3) Consultants’ services: 100% for foreign individual consultants and 93% for (a) the term "foreign expenditures" means expenditures in the currency of any country other than that under Part B 950,000 local individual of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; Project consultants, local consulting firms, and (b) the term "local expenditures" means expenditures in the currency for audits of the Guarantor or for goods or services supplied from the territory of the Guarantor.80,000 foreign consulting firms Project accounts 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services (4) Training under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives Part B 2,740,000 100% of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.TOTAL 160,200,000

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance 12/2 ▇▇▇▇▇▇▇▇▇▇ ▇▇. ▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇ Telex: Facsimile: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoKyiv, Arab Repulic of EgyptUkraine, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Dollar EquivalentExpenditures Category dollars) % of Expenditures to be Financed Machineryfinanced (1) Goods, equipment and works, services (other goods under Parts A and B of the Project 54,000,000 77,311,500 100% of foreign expendituresthan consultants’ services), consultants’ services, training, study tours and Operating costs (2) Subvention for 9,900,000 100% Modernization of local expenditures social welfare offices (ex3) Refunding of 2,000,000 Amounts due Project Preparation pursuant to Advance Section 2.02 (b) of this Agreement (4) Front-factory costend fee 248,500 Amount due under Section 2.04 of this Agreement (5) and 60% of local ex- penditures for other items pro- cured locallyUnallocated 9,940,000 TOTAL 99,400,000 2. For the purposes of this Schedule: (a) , the term "foreign expenditures" “Operating costs” means expenditures in incurred to finance the currency of any country other than that reasonable and necessary expenses incurred by the MOLSP, and Regional Social Welfare Offices for the operation, administration and maintenance of the Guarantor for goods or services supplied from Project, including travel, rent of premises, office supplies, books, communication costs, reasonable bank charges, printing and publications (electronic and paper), translations, notary services, consumables and other expenditure items agreed by the territory of any country other than that Bank throughout the life of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the GuarantorProject. 3. Notwithstanding the provisions of paragraph 1 above, no withdrawals shall be made in respect of payments made for expenditures prior to the date of this Agreement. 4. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for under contracts for: (i) goods, works and services (other than consultants’ services) costing less than $500,000 equivalent per contract; (ii) services of individual consultants costing less than $200,000 equivalent per contract; (iii) services of consulting firms under contracts not exceeding costing less than $50,000 equivalent200,000 equivalent per contract; (iv) training, study tours and Operating Costs; and (v) Subventions for Modernization of Local Social Welfare Offices, all under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading The Borrower may request withdrawals from the Loan Account to be made on the basis of about 20 village banks. 6reports to be submitted to the Bank in form and substance satisfactory to the Bank, such reports to include the FMR and any other information as the Bank shall specify by notice to the Borrower (Report-based Disbursements). Implementation of a Pilot Program to facilitate In the use of proven agricultural technology, including (a) upgrading case of the facilities and staffing of three RRES so as first such request submitted to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening Bank before any withdrawal has been made from the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General ConditionsLoan Account, the premium payable on Borrower shall submit to the principal amount Bank only a statement with the projected sources and applications of any maturity of the Loan to be prepaid shall be the percentage specified funds for the applicable time Project for the six-month period following the date of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelinessuch request.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Except as provided in Section 2.10 of this Agreement, the Board Director General de Crédito Público of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Secretaría de Hacienda y Crédito Público Dirección General de Crédito Público ▇▇▇▇▇▇▇ Nacional Patio Central 3er piso, oficina ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇.▇. Facsimile: ▇▇▇-▇▇▇-▇▇▇-▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. UNITED MEXICAN STATES Secretariat of Finance and Public Credit INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment Financed (1) Goods and other goods works for completed Subprojects in Project States 320,000,000 65% (2) Consultants’ services under Parts A A, B.1, B.2, C.1 and B C.2 of the Project 54,000,000 100for the benefit of, or in connection with completed Subprojects in, Project States or their municipalities 15,700,000 83% (3) Consultants’ services under Parts B.3 and C.3 of the Project 4,000,000 83% (4) Training expenses under Parts B.1, B.2, C.1 and C.2 of the Project for the benefit of Project States or their municipalities 16,200,000 83% (5) Training expenses under Parts B.3 and C.3 of foreign expenditures, 100the Project 5,000,000 83% of local expenditures (ex-factory cost6) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; Incremental recurrent costs 10,100,000 20% under Parts B.1, B.2, C.1 and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Department of the Board State for Finance and Economic Affairs of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the BankBorrower: Department of State for Finance and Economic Affairs The Quadrangle Banjul Republic of The Gambia Cable address: Telex: Facsimile: MINFIN Republic of The Gambia ▇▇▇▇ (▇▇▇) ▇ ▇▇▇ ▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK Facsimile: INDEVAS ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (MCI) or 64145 (MCI) (▇▇▇) ▇▇▇-▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. REPUBLIC OF THE GAMBIA By INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT ASSOCIATION By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of the Credit Allocated (Expressed in Dollar SDR Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 Financed (1) Works 60,000 100% of foreign expenditures and 70% of local expenditures (2) Vehicles, Equipment and other Goods 70,000 100% of local foreign expenditures (ex-factory cost) and 6070% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule:expenditures (a3) the term "Pesticides 40,000 100% of foreign expenditures and 70% of local expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b4) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C and audits 140,000 100% of the Projectforeign expenditures and 80% of local expenditures Section I. Procurement (5) Training 60,000 100% (6) Micro-Grants 70,000 100% of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.amounts disbursed

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board President of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD 248423 (MCI) or (202) 477-6391 Washington, D.C. 248423 (RCA), 64145 (WUIMCI) or For the Borrower: Development Bank of the Philippines Sen. ▇▇▇ ▇▇▇▇▇ Avenue Corner Makati Avenue Makati, Metro Manila Republic of the Philippines Cable address: Telex: Facsimile: PHILDEBANK 22197 PHILCOM 22197 DBP PH ▇▇▇-▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo Manila GLOBE TELECOM 45128 DBP PM EASTERN TELECOMS 63771 DBP PN IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ Jemal-ud-din Kassum Authorized Representative By /s/ ▇▇▇▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Dollar EquivalentExpenditures Category Yen) % of Expenditures to be Financed MachineryFinanced 1. Works, equipment including supply and other goods under Parts A installation of water and B of the Project 54,000,000 100% of foreign expendituressanitation systems, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Scheduleunder: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and Type A Sub-projects and Type C Sub- projects 2,521,975,500 90% (b) the term "local expenditures" means expenditures in the currency Type B Sub-projects 446,148,000 90% 2. Consultants’ services under Part B of the Guarantor Project 204,484,500 100% 3. Interest accrued on or before July 31, 2006 508,113,000 Amounts due pursuant to Section 2.02(b) of this Agreement 4. Fee 37,179,000 Amount due under Section 2.04 of this Agreement TOTAL 3,717,900,000 2. Notwithstanding the provisions of paragraph 1 above, no withdrawals shall be made in respect of payments made for goods or services supplied from expenditures prior to the territory date of the Guarantorthis Agreement. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, for: (i) works under Type A Sub-projects costing less than $50,000 equivalent each; and (ii) consultants’ services under contracts not exceeding with firms costing less than $50,000 equivalent100,000 equivalent each and under contracts with individuals, regardless of cost, all under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board Minister responsible for Finance and Trade of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance and Economic Affairs The Quadrangle Banjul The Republic of The Gambia Cable address: Telex: MINFIN 2264 The Republic of The Gambia For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (RCA), 64145 (WUI) or IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT THE REPUBLIC OF THE GAMBIA By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan INTERNATIONAL DEVELOPMENT ASSOCIATION By /s/ ▇▇▇▇▇▇ ▇.▇. ▇▇▇▇▇▇ 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of the Credit Allocated % of (Expressed in Dollar Expenditures Category SDR Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures Financed (ex-factory cost1) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this ScheduleCivil works: (a) the term "NARB/NARI 150,000 100% of foreign under Part C expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (1) of the 40% of local Project expenditures (b) the term "local expenditures" means expenditures in the currency Under other 570,000 100% of foreign Parts of the Guarantor or for goods or services supplied from the territory of the Guarantor.expenditures; and 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods(2) Vehicles, works equipment, 100% furniture and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: materials: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: NARB/NARI 1,000,000 under Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C C.1 of the Project Section I. Procurement (b) Under other 780,000 Parts of Goods the Project (except Parts B(1)(a)(vi), B(1)(c)(i), (d), and Works Part A: International Competitive Bidding 1. D) Amount of the Credit Allocated % of (Expressed in Expenditures Category SDR Equivalent) to be Financed (3) Consultants’ 100% Services: (a) Vehicles, and office and laboratory equipment and NARB/NARI 360,000 under Part C.1 of the Project (b) all Under other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II 430,000 Parts of the Guidelines.Project (except Parts B(1)(a)(vi), B(1)(c)(i), (d), and D) (4) Training: 100% (a) NARB/NARI 500,000 under Part C.1 of the Project (b) Under other 2,000,000 Parts of the Project (except Parts B(1)(a)(vi), B(1)(c)(i), (d), and D) (5) Incremental operating costs: (a) NARB/NARI 710,000 75% under Part C.1 of the Project Amount of the Credit Allocated % of (Expressed in Expenditures Category SDR Equivalent) to be Financed (b) Under other 1,000,000 90% Parts of the Project (except B(1)(a)(vi), B(1)(c)(i),(d), and D) (6) Unallocated 1,300,000 TOTAL 8,800,000

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P. O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT REPUBLIC OF INDONESIA By /s/ ▇. ▇▇▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanPart A: General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment Financed (1) Consultants’ services and other goods training: 16,135,000 100% (2) Incremental operating costs under Parts A and B Part D of the Project 54,000,000 100% 394,000 80% (3) Refunding of foreign expenditures, 100% Project Preparation Advance 400,000 Amounts due pursuant to Section 2.02 (b) of local expenditures this Agreement (ex4) Front-factory cost) and 60% end fee 171,000 Amount due under Section 2.04 of local ex- penditures for other items pro- cured locallythis Agreement TOTAL 17,100,000 2. For the purposes of this Schedule: (a) , the term "foreign expenditures" “Incremental operating costs” means reasonable expenditures in incurred by the currency Project Management Unit for rental of any country other than that office space, utilities, communications, consumables, staff travel (including per diem), remuneration of contractual support staff, but excluding staff salaries and honoraria (which expenditures would not have been incurred absent the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the GuarantorProject). 3. Notwithstanding the provisions of paragraph 1 above, no withdrawals shall be made in respect of payments made for expenditures prior to the date of this Agreement. 4. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services expenditures: (i) under contracts not exceeding for the employment of consulting firms costing less than $100,000 equivalent; and (ii) under contracts for the employment of individuals costing less than $50,000 equivalent, ; all under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading The Borrower may request withdrawals from the Loan Account to be made on the basis of about 20 village banks. 6reports to be submitted to the Bank in form and substance satisfactory to the Bank, such reports to include the FMR and any other information as the Bank shall specify by notice to the Borrower (Report-based Disbursements). Implementation of a Pilot Program to facilitate In the use of proven agricultural technology, including (a) upgrading case of the facilities and staffing of three RRES so as first such request submitted to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening Bank before any withdrawal has been made from the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General ConditionsLoan Account, the premium payable on Borrower shall submit to the principal amount Bank only a statement with the projected sources and applications of any maturity of the Loan to be prepaid shall be the percentage specified funds for the applicable time Project for the six-month period following the date of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelinessuch request.

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board State for Foreign Affairs of the Borrower is and the Under Secretary of State for International, Regional and Arab Financing Organizations, International Cooperation Sector of said Ministry of the Borrower, are severally designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministry of Foreign Affairs (International Cooperation Sector) ▇ ▇▇▇▇ ▇▇▇▇▇▇ Cairo, Egypt Cable Address: Facsimile: Ministry of Foreign Affairs (▇▇▇) ▇▇▇ ▇▇▇▇ (International Cooperation Sector) (▇▇▇) ▇▇▇ ▇▇▇▇ Cairo, Arab Republic of Egypt For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable addressAddress: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairo, Arab Repulic Republic of Egypt, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanRegional Vice President Middle East and North Africa 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Dollar Equivalent) % of Expenditures Category United States dollars to be Financed Machinery, equipment Financed (1) Training Sub-projects 4,895,000 85% (2) Front-end fee 55,000 Amount due under Section 2.04 of this Agreement (3) Premia for Interest 0 Amount due under Rate Caps Section 2.09(c) of and other goods under Parts A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local expenditures Interest Rate Collars this Agreement (ex-factory cost4) and 60% of local ex- penditures for other items pro- cured locallyUnallocated 550,000 TOTAL 5,500,000 2. For Notwithstanding the purposes provisions of paragraph I above, no withdrawals shall be made in respect of payments made for expenditures prior to the date of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the GuarantorAgreement. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $Training Sub-projects costing less than US$50,000 equivalentequivalent each, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P. O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY45799 DJMLN-IA (▇▇) ▇▇▇ ▇▇▇▇ Jakarta 44319 DEPKEU-IA For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. REPUBLIC OF INDONESIA By /s/ ▇. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT ASSOCIATION By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanA. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Credit Allocated (Expressed in SDR Equivalent) Amount of the Loan Allocated (Expressed in Dollar Equivalentdollars) % of Expenditures to be Financed Machinery, equipment Financed (1) Kelurahan Grants and other goods under Parts A and B of the Project 54,000,000 Sub-loans 40,461,000 -0- 100% of foreign expenditures, Grant or Sub-loan amount disbursed (2) Poverty Alleviation Partnership Grants -0- 17,200,000 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal Grant amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.disbursed

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance c/o Directorate General of Budget ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇ P.O. Box 1139 Jakarta 10710 Indonesia Cable address: Telex: Facsimile: FINMINISTRY Jakarta 45799 DJMLN-IA 44319 DEPKEU-IA (▇▇) ▇▇▇ ▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoJakarta, Arab Repulic Republic of EgyptIndonesia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT REPUBLIC OF INDONESIA By /s/ Dr. ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR INTERNATIONAL DEVELOPMENT AND AGRICULTURAL CREDIT ASSOCIATION By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanPart A: General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Credit Allocated (Expressed in SDR Equivalent) Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) (1) % Works (except under Part A of Expenditures to be Financed Machinery, equipment and other goods the Project) 1,130,000 645,000 80% (2) Goods (except under Parts Part A and B of the Project 54,000,000 and excluding vehicles) 1,490,000 850,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 6080% of local ex- penditures expenditures for other items pro- cured procured locally (3) Consultants’ services (except Part A of the Project) 5,490,000 3,130,000 100% (4) Training, study tours and workshops (including studies) (except under Part A of the Project) 4,170,000 2,380,000 100% of foreign expenditures and 80% of local expenditures (5) Fellowships (except under Part A of the Project) 1,720,000 985,000 100% Category Amount of the Credit Allocated (Expressed in SDR Equivalent) Amount of the Loan Allocated (Expressed in dollars) % of Expenditures to be Financed (6) Incremental operating costs (except under Part A of the Project) 720,000 410,000 80% (7) District Funding Allocations under Part A of the Project 38,210,000 21,780,000 100% of amounts disbursed (8) Front-end Fee -- 311,000 Amount due under Section 2.04 of the Loan Agreement (9) Unallocated 1,070,000 609,000 TOTAL 54,000,000 31,100,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board Minister for Finance and Economy of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance and Economy Government Building - 2 United Nation’s Street – ▇/▇ ▇▇▇▇▇▇▇▇▇▇▇ - ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ Facsimile: ▇▇▇-▇▇-▇▇▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoUlaanbaatar, Arab Repulic of EgyptMongolia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT MONGOLIA By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Ch Ulaan Authorized Representative PRINCIPAL BANK FOR INTERNATIONAL DEVELOPMENT AND AGRICULTURAL CREDIT ASSOCIATION By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanRepresentative 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of the Credit Allocated (Expressed in Dollar SDR Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods Financed (1) Works 1,400,000 33% (2) Goods: (a) under Parts A and B of the Project 54,000,000 6,900,000 100% of foreign expenditures, 100% of local expenditures and B of the Project (b) under Part C 2,200,000 (ex-factory cost) ), and 6065% of local ex- penditures for other items pro- cured locallyprocured locally of the Project (3) Consultants’ services 1,100,000 94% (4) Incremental Operating Costs 200,000 50% (5) Unallocated 300,000 TOTAL 12,100,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.term:

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance Sanlihe Beijing 100820 People’s Republic of China Cable address: Telex: Facsimile: FINANMIN 22486 MFPRC CN 8610-6855-1125 For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK Facsimile: INTBAFRAD 248423 (MCI) or (202) ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ Cairo (MCI) 477-6391 IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoBeijing, Arab Repulic People's Republic of EgyptChina, as of the day and year first above written. PEOPLE’S REPUBLIC OF CHINA By /s/ ▇▇▇ ▇▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the % of Loan Allocated Expenditures Category (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment and other goods Financed (1) Hubei’s Respective Part of the Project (a) Works for Dike Rehabilitation under Parts A B and B C of the Project 54,000,000 140,600,000 65% (b) Works for Slope Protection and dike roads under Parts B(1)(f) and B(1)(g) the Project of 18,200,000 65% (c) Goods expenditures; expenditures and 75% of for other locally 6,000,000 100% of foreign 100% of local (ex-factory cost); local expenditures items procured (d) Consultants’ Services 1,600,000 100% (e) Training and Study Tours 600,000 100% (2) Hunan’s Respective Part of the Project (a) Works for Dike Rehabilitation under Parts B and C of the Project 24,600,000 65% (b) Works for Slope Protection and dike roads under Parts B(1)(f) and B(1)(g) of the Project 3,000,000 65% (c) Goods expenditures, ; 400,000 100% of foreign 100% of local expenditures and 75% of for other (d) Consultants’ Services 800,000 100% (e) Training and Study Tours 200,000 100% (3) Borrower’s Respective Part of the Project (a) Modeling works under Part D(2) of the Project 6,660,000 65% (b) Goods expenditures; expenditures and 75% of for other locally 2,300,000 100% of foreign 100% of local (ex-factory cost) and 60% of ); local ex- penditures for other expenditures items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and procured (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.2,700,000 100%

Representative of the Borrower; Addresses. Section 7.01. The Chairman Secretary, or the Additional Secretary, or any Joint Secretary, or Deputy Secretary, or Senior Assistant Secretary, or Assistant Secretary, or Joint Chief, or Deputy Chief, or Senior Assistant Chief, or Assistant Chief of the Board Economic Relations Division of the Ministry of Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the BankBorrower: Economic Relations Division Ministry of Finance Government of the People’s Republic of Bangladesh Sher-e-Bangla Nagar Dhaka, Bangladesh Cable address: Telex: Facsimile: BAHIRSAMPAD 642226 SETU BJ (▇▇▇) ▇▇▇▇▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoDhaka, Arab Repulic People’s Republic of EgyptBangladesh, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanINTERNATIONAL DEVELOPMENT ASSOCIATION By /s/ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ A: General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of Credit Allocated (Expressed in Dollar SDR Equivalent) % of Expenditures to be Financed Machinery(1) Goods, equipment works, 49,080,000 For FY2006 and services, and thereafter, percentage as Operating Costs determined by the under Part D of the Association, on the basis of Project annual performance in accordance with selected indicators (2) Services of NGO and other goods under Parts A private and B of the Project 54,000,000 non- public providers 29,410,000 100% (3) Goods (other 59,890,000 100% of foreign expenditures, Foreign than those covered Expenditures, (a) Consultants’ services (other than those covered by Category 1) 10,200,000 80% (b) Studies and Training 15,280,000 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locallyTOTAL 196,100,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Economy of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Economy Immeuble Mauretania Place du Perou Algiers Democratic and Popular Republic of Algeria FINPLAN 67073 Algiers For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇ of America ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (RCA), 64145 (WUI) or IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. DEMOCRATIC AND POPULAR REPUBLIC OF ALGERIA By /s/ ▇▇▇▇▇ ▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ . ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanActing Regional Vice President Europe, Middle East and North Africa 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment Financed (1) Equipment and other goods materials (including vehicles): (a) under 170,000 Parts A B (2) and B B(3) of the Project 54,000,000 Project (b) under 280,000 100% of foreign Part B (4) expenditures and of the 55% of local Project expenditures (c) under 150,000 Part B (5) of the Project (d) under 11,200,000 Parts A, B (1) and C of the Project (2) Consultants’ services: (a) under 1,200,000 Parts B (2) and B (3) of the Project (b) under 1,980,000 Part B (4) of the Project (c) under 4,600,000 100% of local total Part B (5) expenditures of the Project (ex-factory costd) under 4,970,000 Parts A, B (1), B (3) and 60% C of local ex- penditures for other items pro- cured locallythe Project (3) Refunding of 1,450,000 Amount due pur- Project Prepara- suant to Section tion Advance 2.02 (c) of this Agreement TOTAL 26,000,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Secretary of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Department of Finance Department of Finance Building Bangko Sentral Complex Roxas Boulevard Manila, Republic of the Philippines Cable address: Telex: Facsimile: SECFIN Manila 40268CB-CONF (▇▇-▇) ▇▇▇-▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INTBAFRAD Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoManila, Arab Repulic Republic of Egyptthe Philippines, as of the day and year first above written. REPUBLIC OF THE PHILIPPINES By /s/ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇▇▇ ▇▇▇▇-▇ ▇▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Allocated : (Expressed in Dollar Equivalent1) Barangay Grants 90,600,000 100% of Expenditures to be Financed Machinery, equipment and other goods Grant amount disbursed (2) Goods under Parts A B and B C of the Project 54,000,000 1,000,000 100% of foreign expenditures, 100% of local expenditures (ex-ex- factory cost) and 6090% of local ex- penditures expenditures for other items pro- cured procured locally. 2. For the purposes (3) Consultants’ services 4,000,000 82% for individual consultants and 87% for consulting firms (4) Incremental Operating Costs 2,200,000 50% (5) Fee 1,000,000 Amount due under Section 2.04 of this Schedule:Agreement (a6) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; andUnallocated 1,200,000 (b7) the term "local expenditures" means expenditures in the currency of the Guarantor or Premia for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works Interest Rate Caps 0 and services Interest Rate Collars Amount due under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b2.09(c) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.this Agreement TOTAL 100,000,000

Representative of the Borrower; Addresses. Section 7.018.01. The Chairman of the Board President of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.028.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: INTBAFRAD 248423 (MCI) or Washington, D.C. 248423 (RCA), 64145 (WUIMCI) or For the Borrower: ▇▇▇ PEC Geotermia ▇▇▇▇ ▇▇▇▇▇▇▇▇, S.A. Ul. Szymony 17a 34-500 Zakopane Poland Facsimile: ▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK -▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe City of Warsaw, Arab Repulic Republic of EgyptPoland, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Acting Regional Vice President Europe and Central Asia PEC GEOTERMIA PODHALANSKA, S.A. By /s/ ▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By , President /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇▇▇▇, Vice President SCHEDULE 1 Authorized Representative Withdrawal of the Proceeds of the LoanRepresentatives A. General 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan % of Allocated (Expressed Expenditures Category in Dollar EquivalentEUR) % of Expenditures to be Financed Machinery, equipment and other goods Financed (1) Civil Works 85% (a) under Parts A and B Part A(2) 1,960,000 of the Project 54,000,000 Project (b) under Part B(1) 240,000 of the Project (2) Goods 100% of foreign expenditures, 100% % (a) under Part A(2) 2,070,000 of local expenditures of the Project (ex-factory cost) and 60and (b) under Part B(1) 5,010,000 85% of local ex- penditures expenditures of the Project for other items pro- cured locallyprocured (c) under Part A(1) 6,530,000 locally of the Project (d) under all other 28,830,000 parts of the Project (3) Consultants; 7,700,000 100% Services and Audit fees (4) Training 7,620,000 100% (5) Technical Services 2,100,000 100% (6) Incremental Operating 1,640,000 90% until December 31, Costs 2002; thereafter 80% (7) Fee 689,000 Amount due under Section 2.04 of this Agreement (8) Unallocated 4,511,000 TOTAL 68,900,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board Minister of the Borrower responsible for planning and regional development is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Planning and Regional Development Yaounde Republic of Cameroon Cable address: Telex: MINPAT 8203 KN Yaounde With copy to: Ministry of Finance Yaounde Republic of Cameroon Cable address: Telex: MINFI 8260 KN Yaounde For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: INTBAFRAD 248423 (RCA) Washington, D.C. 248423 (RCA), 64145 (WUI) 197688 (TRT) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo 82987 (FTCC) IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. REPUBLIC OF CAMEROON By /s/ ▇▇▇▇ ▇▇▇▇▇▇▇ Authorized Representative INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ .▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan▇▇ 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed expressed in Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods under Parts Financed I. MINAGRI Expenditures (1) Civil works for 80,000 Part A and B of the Project 54,000,000 100% (2) Vehicles, equipment 6,650,000 and inputs for Parts A, B.3, C.2 and D.2 and 3 of the Project 100% of foreign expenditures and 85% of local expenditures (3) Consultants’ services 800,000 for Part A of the Project 100% (4) Operating costs 6,050,000 for Parts A, B.3 and C.2 of the Project 100% (5) Training and 2,550,000 fellowships for Part B.1 of the Project 100% II. IRA Expenditures (6) Civil works for 220,000 Part D.1 of the Project 100% (7) Vehicles, equipment 320,000 and inputs for Parts C.1 and D.1 of the Project 100% of local foreign expenditures (ex-factory cost) and 6085% of local ex- penditures expenditures (8) Research contracts 1,000,000 for other items pro- cured locallyPart C.1 of the Project 100% (9) Operating costs for 980,000 Parts C.1 and D.1 of the Project 100% (10) Training and 450,000 fellowships for Part B.2 of the Project 100% III. Other Expenditures (11) Unallocated 1,900,000 100% TOTAL 21,000,000 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board Minister of the Borrower at the time responsible for public investments and regional development is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Borrower: Ministry of Public Investments and Regional Development Yaoundé Cameroon MINPAT 8203 KN (237) 22 15 09 Yaoundé With copy to: Caisse Autonome d’Amortissement P.O. Box 7167 Yaoundé Cameroun Cable address: Telex: Facsimile: CAA Yaoundé 8858KN (237) 22 01 29 Pipeline Steering and Monitoring Committee ▇.▇. ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ Cable address: Telex: Facsimile: HYDROCAM 8514KN (237) 20 98 69 Yaoundé (237) 20 46 51 For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK Facsimile: INTBAFRAD ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (MCI) or 64145 (MCI) (▇▇▇) ▇▇▇ ▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. Mendouga INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Cameroon Loan, the allocation of the amount amounts of the Cameroon Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed Machinery, equipment and other goods under Parts A and B of (1) Civil works Up to11,000,000 in the Project 54,000,000 100100 % of foreign expenditures(on land pipeline in the aggregate by expenditures and installations) December 31, 1002002 and 90 % of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Project up to 43,500,000in the aggregate thereafter expenditures (2) Front End Fee 534,000 Amounts due pursuant to Section I. Procurement 2.04 of Goods and Works Part A: International Competitive Bidding 1. this Agreement (a3) Vehicles, and office and laboratory equipment and Premium on the Cameroon Loan 5,340,000 Amounts due pursuant to Section 2.02 (bc) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.this Agreement

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the BankBorrower: Ministry of Finance Mehmeda ▇▇▇▇▇ ▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ Cairo (RCA), 64145 (WUI) or IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION BOSNIA AND DEVELOPMENT HERZEGOVINA By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR INTERNATIONAL DEVELOPMENT AND AGRICULTURAL CREDIT ASSOCIATION By /s/ ▇▇▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanActing Regional Vice President Europe and Central Asia 1. The table below sets forth the Categories of items to be financed out of the proceeds of the LoanCredit, the allocation of the amount amounts of the Loan Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Loan Amount of the Credit Allocated % of (Expressed in Dollar Expenditures Category SDR Equivalent) % of Expenditures to be Financed Machinery, equipment and other goods Financed (1) Works under Parts Part A and B of the Project 54,000,000 8,500,000 100% (net of foreign expenditures, taxes) (2) Incremental Operating Costs under Part A of the Project 350,000 100% % (3) Refunding of local expenditures Project Preparation Advance 1,400,000 Amounts due pursuant to Section 2.02 (ex-factory costc) and 60% of local ex- penditures for other items pro- cured locally this Agreement (4) Unallocated 250,000 TOTAL 10,500,000 2. For the purposes of this Schedule: (a) , the term "foreign expendituresIncremental Operating Costs" means expenditures in the currency costs of any country incremental staff, services, facilities and other than that resources, including the costs of design, management and supervision services required by the Guarantor for goods or services supplied from PIU, as agreed with the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional levelAssociation, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: implement Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C A of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.016.01. The Chairman Minister of the Board Finance, Planning and Development of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.026.02. The following addresses are specified for the purposes of Section Section 11.01 of the General Conditions: For the Borrower: Ministry of Finance, Planning and Development ▇.▇. ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇▇ and the Grenadines Facsimile: (▇▇▇) ▇▇▇-▇▇▇▇ For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK INTBAFRAD 248423 (MCI) or Facsimile: ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ Cairo (MCI) (▇▇▇) ▇▇▇-▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ST. ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanAND THE GRENADINES INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, Grant and the Credit, the allocation of the amount amounts of the Loan Loan, Grant and the Credit to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated (Expressed in Dollar EquivalentCategory Dollars) Amount of the Credit Allocated (Expressed in SDRs) Amount of the Grant Allocated (Expressed in SDRs) % of Expenditures Expenditure to be Financed Machinery(1) Works 245,000 85,000 85,000 70% (2) Goods (except as 284,000 covered under Categories (3), equipment (6), and other goods under Parts A and B of the Project 54,000,000 100(7) below) 98,000 98,000 95% of foreign expenditures, 10080% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.

Representative of the Borrower; Addresses. Section 7.01. The Chairman Secretary, or any Additional Secretary, Joint Secretary, Deputy Secretary or Section Officer, Economic Affairs Division, Ministry of Economic Affairs and Statistics of the Board of the Borrower Borrower, is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the BankBorrower: Economic Affairs Division Ministry of Economic Affairs and Statistics Islamabad Pakistan Cable address: Telex: Facsimile: ECONOMIC ECDIV-05-634 ▇▇-▇▇-▇▇▇▇▇▇▇ Islamabad ▇▇-▇▇-▇▇▇▇▇▇▇ For the Association: International Bank for Reconstruction and Development Association ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Facsimile: INDEVAS Washington, D.C. 248423 (RCA), MCI) or 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇ Cairo IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoIslamabad, Arab Repulic of EgyptPakistan, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT ISLAMIC REPUBLIC OF PAKISTAN By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the LoanINTERNATIONAL DEVELOPMENT ASSOCIATION 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Credit, the Loan, and the DFID Grant, the allocation of the amount amounts of the Loan Credit and the DFID Grant to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the DFID Grant Amount of Amount of the Allocated the Loan Credit Allocated (Expressed in Dollar Allocated % of (Expressed in British Pound (Expressed Expenditures Category SDR Equivalent) % of Expenditures Sterling) in Dollars) to be Financed Machinery, equipment and other goods under Parts A and B of the Project 54,000,000 Financed (1) Works 12,270,000 - - 75% (2) Goods 100% of foreign expenditures, 100% of local expenditures (ex-ex- factory cost) ), and 6080% of local ex- penditures expenditures for other items pro- cured procured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and Equipment 28,350,000 5,140,000 24,278,000 (b) the term "Vehicles 1,640,000 - - (3) Consultants’ 4,150,000 4,310,000 98% of local expenditures" means services expenditures in the currency for services of the Guarantor or for goods or services supplied from consultants domiciled within the territory of the Guarantor. 3. The Bank may require withdrawals from Borrower; and 88% of foreign expenditures for services of other consultants Amount of the DFID ▇▇▇▇▇ ▇▇▇▇▇▇ of Amount of the Allocated Loan Account Credit Allocated (Expressed in Allocated % of (Expressed in British Pound (Expressed Expenditures Category SDR Equivalent) Sterling) in Dollars) to be made on the basis of statements of expenditure for such expenditures for goods, works Financed (4) Training 3,400,000 2,702,000 - 100% (5) Incremental 1,710,000 - - 80% administrative and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.operating costs

Representative of the Borrower; Addresses. Section 7.01. The Chairman Minister of the Board Finance and Public Credit of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington▇▇▇▇▇▇▇▇▇▇, D.C. 20433 United States ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ of America Cable address: Telex: Washington, D.C. Facsimile: INTBAFRAD 248423 (RCA), 64145 (WUIMCI) or For the Borrower: ▇▇▇ (▇▇▇▇ ) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ Cairo Egypt Cable address(MCI) For the Borrower: Telex: TASLEEF BANK Minister of Finance and Public Credit ▇▇▇▇▇▇▇ Cairo de los Ministerios Plaza San ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇-▇, ▇▇▇▇▇▇ ▇-▇▇, ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇▇▇ Cable address: Facsimile: MINHACIENDA (▇▇▇) ▇▇▇-▇▇▇▇ IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in CairoBogotá, Arab Repulic of EgyptColombia, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇▇▇ ▇▇▇ REPUBLIC OF COLOMBIA By /s/ ▇▇▇▇▇▇▇ ▇▇▇▇-▇▇▇▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT ▇▇▇▇▇▇▇ By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan ▇▇▇▇▇ By /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇ de la ▇▇▇▇ By /s/ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the % of Loan Allocated Expenditures Category (Expressed in Dollar EquivalentDollars) % of Expenditures to be Financed MachineryFinanced (1) Goods, equipment works, services, training, and other goods Operating costs under Parts A ▇, ▇.▇, ▇.▇, ▇, ▇ and B E.1 of the Project 54,000,000 10,000,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule:% (a2) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goodsGoods, works works, and services with respect to Risk Reduction Investments under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives Part B.2 of the Project are: 100,000,000 100% (a3) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible Critical Imports for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: disaster emergency assistance under Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C E.2 of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.150,000,000 50% _________ TOTAL 260,000,000

Representative of the Borrower; Addresses. Section 7.018.01. The Chairman of the Board Managing Director of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.028.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK INTBAFRAD 197688 (TRT) ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇▇ (RCA) 64145 (WUI) or 82987 (FTCC) For the Borrower: National Electric Power Authority Electricity Headquarters 24/25 Marina ▇.▇.▇. ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ Cairo Cable address: Telex: NIGER POWER 21212 NEPANG Lagos IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT By /s/ ▇. ▇. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ NATIONAL ELECTRIC POWER AUTHORITY By /s/ Hamzat Ahmadu Authorized Representative Withdrawal of the Proceeds of the Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed MachineryFinanced (1) Equipment, equipment and other goods under Parts A and B of the Project 54,000,000 100% of foreign expenditures, 100% of local materials and expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedulespare parts: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and Generation 14,000,000 improvements (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.Transmission 7,500,000 improvements

Representative of the Borrower; Addresses. Section 7.01. The Chairman of the Board President of the Borrower is designated as representative of the Borrower for the purposes of Section 11.03 of the General Conditions. Section 7.02. The following addresses are specified for the purposes of Section 11.01 of the General Conditions: For the Bank: International Bank for Reconstruction and Development ▇▇▇▇ ▇ ▇▇▇▇▇▇, ▇.▇. Washington, D.C. 20433 United States of America Cable address: Telex: Washington, D.C. 248423 (RCA), 64145 (WUI) or For the Borrower: ▇▇▇ ▇▇▇▇ ▇▇-▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ ▇▇▇▇▇▇ Cairo Egypt ▇▇▇▇▇▇ of America Cable address: Telex: TASLEEF BANK ▇▇▇▇▇▇▇▇▇ Cairo ▇▇▇▇▇▇ (▇▇▇) ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇ (FTCC) 64145 (WUI) or 197688 (TRT) For the Borrower: Soci t Tuniso-S oudienne d'Investissement et de D veloppement ▇▇, ▇▇▇ ▇▇▇▇ (▇▇▇. ▇▇▇▇▇ ▇▇ ▇▇ Soukra) Tunis Republic of Tunisia Cable address: Telex: TUSID 13 594 TUSID IN WITNESS WHEREOF, the parties hereto, acting through their duly authorized representatives, have caused this Agreement to be signed in their respective names in Cairothe District of Columbia, Arab Repulic United States of EgyptAmerica, as of the day and year first above written. INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By /s/ ▇▇▇▇ ▇▇▇▇-▇▇▇▇▇ Authorized Representative PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT Regional Vice President Middle East and North Africa SOCIETE TUNISO-SEOUDIENNE D'INVESTISSEMENT ET DE DEVELOPPEMENT By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ Authorized Representative Withdrawal of the Proceeds of the Loan Loan 1. The table below sets forth the Categories of items to be financed out of the proceeds of the Loan, the allocation of the amount amounts of the Loan to each Category and the percentage of expenditures for items so to be financed in each Category: Category Amount of the Loan Allocated % of (Expressed in Expenditures Category Dollar Equivalent) % of Expenditures to be Financed Machinery, equipment Financed (1) Sub-Loans 9,400,000 100% under Part A (2) Investments under Part A of the Project 500,000 100% (3) Consultants' Services and other goods Training under Parts A and Part B of the Project 54,000,000 100,000 100% of foreign expenditures, 100% of local expenditures (ex-factory cost) and 60% of local ex- penditures for other items pro- cured locally 2. For the purposes of this Schedule: (a) the term "foreign expenditures" means expenditures in the currency of any country other than that of the Guarantor for goods or services supplied from the territory of any country other than that of the Guarantor; and (b) the term "local expenditures" means expenditures in the currency of the Guarantor or for goods or services supplied from the territory of the Guarantor. 3. The Bank may require withdrawals from the Loan Account to be made on the basis of statements of expenditure for such expenditures for goods, works and services under contracts not exceeding $50,000 equivalent, under such terms and conditions as the Bank shall specify by notice to the Borrower. The objectives of the Project are: (a) to increase agricultural productivity through the promotion of appropriate technological packages at the farm level, (b) to increase rural income through the creation of off-farm job opportunities in farm-related enterprises; and (c) at the institutional level, to strengthen the capacity of the Borrower as a rural financial institution, encourage wider participation by banking institutions in the financing of rural investments and improve coordination among agencies responsible for the provision of agricultural services in the areas of credit, marketing and technology transfer. The Project consists of the following parts, subject to such modifications thereof as the Borrower and the Bank may agree upon from time to time to achieve such objectives: Part A: On-farm Technological Improvement Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under Sub-loans) required for financing the procurement of agricultural inputs, machinery, equipment, components and spare parts. Part B: Rural Based Investment Provision by the Borrower and the Participating Banks to Beneficiaries of the foreign exchange (under Sale Option and/or under a Sub-loan) required for the carrying out of (a) Investments in agriculture-based activities, such as extraction, agro-processing, post- harvest activities, fish farming and dairying, and (b) Investments in agriculture-related services such as handling, storage, transport, other marketing activities, information and technology dissemination and veterinary. Part C: Institutional Development 1. Provision to the Borrower of expert services to upgrade its planning, auditing and lending capacities, including its capacity to assess the environmental impact of investments submitted for its financing. 2. Preparation and implementation by the Borrower of a training program for its staff (including staff of BDACs and village banks) and the staff of the Participating Banks in key areas of their operations. 3. Carrying out of studies of rural financial markets and rural savings. 4. Formulation and implementation by the Borrower of a staff rationalization plan to ensure, through streamlining, retraining and redeployment, compatibility of the staffing of the Borrower with its operational needs. 5. Establishment or upgrading of about 20 village banks. 6. Implementation of a Pilot Program to facilitate the use of proven agricultural technology, including (a) upgrading of the facilities and staffing of three RRES so as to ensure their operation as effective links between farmers and agents for agricultural services in the areas of research, extension, credit and input supply, and (b) strengthening the link between the above RRES and extension services through the formation of 33 Extension Information and Demonstration Units (EIDUs), to be staffed by appropriate specialists in technology transfer, and (c) provision of training. Payment of Principal Date Payment Due (expressed in dollars)* December 15, 1999 1,025,000 June 15, 2000 1,060,000 December 15, 2000 1,100,000 June 15, 2001 1,140,000 December 15, 2001 1,180,000 June 15, 2002 1,225,000 December 15, 2002 1,265,000 June 15, 2003 1,315,000 December 15, 2003 1,360,000 June 15, 2004 1,410,000 December 15, 2004 1,460,000 June 15, 2005 1,515,000 December 15, 2005 1,570,000 June 15, 2006 1,625,000 December 15, 2006 1,685,000 June 15, 2007 1,750,000 December 15, 2007 1,810,000 June 15, 2008 1,875,000 December 15, 2008 1,945,000 June 15, 2009 2,015,000 December 15, 2009 2,090,000 June 15, 2010 2,165,000 December 15, 2010 2,245,000 June 15, 2011 2,325,000 December 15, 2011 2,410,000 June 15, 2012 2,500,000 December 15, 2012 2,590,000 June 15, 2013 2,685,000 December 15, 2013 2,780,000 June 15, 2014 2,880,000 * The figures in this column represent dollar equivalents determined as of the respective dates of withdrawal. See General Conditions, Sections 3.04 and 4.03. Premiums on Prepayment Pursuant to Section 3.04 (b) of the General Conditions, the premium payable on the principal amount of any maturity of the Loan to be prepaid shall be the percentage specified for the applicable time of prepayment below: Time of Prepayment Premium The interest rate (expressed as a percentage per annum) applicable to the Loan on the day of prepayment multiplied by: Not more than three years 0.15 before maturity More than three years but 0.30 not more than six years before maturity More than six years but 0.55 not more than 11 years before maturity More than 11 years but not 0.80 more than 16 years before maturity More than 16 years but not 0.90 more than 18 years before maturity More than 18 years before 1.00 maturity Procurement and Consultants’ Services Under Part C of the Project Section I. Procurement of Goods and Works Part A: International Competitive Bidding 1. (a) Vehicles, and office and laboratory equipment and (b) all other items of goods estimated to cost per contract the equivalent of more than $200,000, shall be procured under contracts awarded in accordance with procedures consistent with those set forth in Sections I and II of the Guidelines.TOTAL 10,000,000==========