<table>


                <tr>
                                            <td vAlign="top" align="left" width="1367" height="64">
                                              <div class="Section1">
												<p class="Style" style="margin-left: 71.45pt; margin-right: .25pt">
												<b>
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Borrowers and Lenders Act, 2008&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
												Act 773 </span></b></p>
												<p class="Style" style="margin-left: 83.95pt; margin-right: .25pt">
												<span style="font-family: Arial">
												ARRANGEMENT OF SECTIONS </span>
												</p>
												<p class="Style" style="margin-right: .25pt">
												<i>
												<span style="font-family: Arial">
												Section </span></i></p>
												<p class="Style" style="text-indent: -16.55pt; margin-left: 22.0pt; margin-right: .3pt">
												1.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Application </span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 23.45pt; margin-right: .3pt">
												2.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Meaning of credit agreement
												</span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 23.45pt; margin-right: .3pt">
												3.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Meaning. of credit facility
												</span></p>
												<p class="Style" style="text-indent: 0in; margin-left: 4.75pt; margin-right: 186.3pt">
												4.<span style="font-family: Arial">Meaning 
												of credit transaction 5. Meaning 
												of credit guarantee </span></p>
												<p class="Style" style="margin-left: 61.15pt; margin-right: .3pt">
												<i>
												<span style="font-family: Arial">
												Supervisory and enforcement role 
												of Bank of Ghana </span></i></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 23.45pt; margin-right: .3pt">
												6.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Functions of the Bank of Ghana
												</span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 23.45pt; margin-right: .3pt">
												7.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Rules by notices </span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 23.45pt; margin-right: .3pt">
												8.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Investigation </span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 23.45pt; margin-right: .3pt">
												9.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Examination </span></p>
												<p class="Style" style="text-indent: -22.3pt; margin-left: 25.15pt; margin-right: .3pt">
												10.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Order for search of premises
												</span></p>
												<p class="Style" style="text-indent: -22.3pt; margin-left: 25.15pt; margin-right: .3pt">
												11.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Power of Court to make certain 
												orders </span></p>
												<p class="Style" style="text-indent: -22.55pt; margin-left: 24.9pt; margin-right: .3pt">
												12.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Administrative fines </span></p>
												<p class="Style" style="margin-left: 148.3pt">
												<i>
												<span style="font-family: Arial">
												Borrower rights </span></i></p>
												<p class="Style" style="text-indent: -22.55pt; margin-left: 25.9pt">
												13.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Right to apply for credit </span>
												</p>
												<p class="Style" style="text-indent: -22.3pt; margin-left: 26.15pt">
												14.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Protection against 
												discrimination in respect of 
												credit </span></p>
												<p class="Style" style="text-indent: -22.55pt; margin-left: 25.9pt">
												15.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Delivery of documents </span>
												</p>
												<p class="Style" style="text-indent: -22.3pt; margin-left: 26.15pt">
												16.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Protection of borrower credit 
												rights </span></p>
												<p class="Style" style="margin-left: 4.55pt">
												<span style="font-family: Arial">
												17. Confidentiality, personal 
												information and borrower credit 
												records </span></p>
												<p class="Style" style="margin-left: 126.45pt">
												<i>
												<span style="font-family: Arial">
												Disclosure of information </span>
												</i></p>
												<p class="Style" style="text-indent: 0in; margin-left: 5.0pt; margin-right: -10.4pt">
												18.<span style="font-family: Arial">Pre-agreement 
												disclosure</span></p>
												<p class="Style" style="margin-left: 5.0pt; margin-right: 208.55pt">
												<span style="font-family: Arial">
												19. Marketing information </span>
												</p>
												<p class="Style" style="margin-left: 4.3pt; margin-right: 102.2pt">
												<i>
												<span style="font-family: Arial">
												&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
												Repayment and recovery of debt
												</span></i></p>
												<p class="Style" style="margin-left: 4.3pt; margin-right: 102.2pt">
												<span style="font-family: Arial">
												20. Borrower's or guarantor's 
												obligations </span></p>
												<p class="Style" style="margin-left: 83.75pt">
												<i>
												<span style="font-family: Arial">
												Collateral registry and 
												registration of charges </span>
												</i></p>
												<p class="Style" style="text-indent: -24.2pt; margin-left: 29.0pt">
												21.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Collateral Registry </span></p>
												<p class="Style" style="text-indent: -24.0pt; margin-left: 29.25pt">
												22.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Object of the Registry </span>
												</p>
												<p class="Style" style="text-indent: -24.0pt; margin-left: 29.25pt">
												23.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												Functions of the Registry </span>
												</div>
												<div class="Section4">
													<p class="Style" style="text-indent: -23.25pt; margin-left: 24.25pt; margin-right: .25pt">
													24.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Appointment of collatral 
													Registrar </span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													25.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Registration of charges
													</span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													26.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Procedure on registration
													</span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													27.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Registration of satisfaction 
													of debt </span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													28.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Expiry of time for 
													registration </span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													29.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Appointment of receiver or 
													manager </span></p>
													<p class="Style" style="text-indent: 0in; margin-left: .95pt; margin-right: .25pt">
													30<i>.</i><span style="font-family: Arial">Registration 
													of appointment or removal of 
													receiver </span></p>
													<p class="Style" style="text-indent: 0in; margin-left: .95pt; margin-right: .25pt">
													<span style="font-family: Arial">
													31. Notices to be published 
													in <i>Gazette </i></span>
													</p>
													<p class="Style" style="margin-left: 96.0pt; margin-right: .25pt">
													<i>
													<span style="font-family: Arial">
													Enforcement of borrower's 
													obligations </span></i></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													32.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Default in payment </span>
													</p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													<b>33.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span></b>
													<span style="font-family: Arial">
													Remedies of lender on 
													default </span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													34.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Lender's right to possession
													</span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: 24.95pt; margin-right: .25pt">
													35.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Mortgages </span></p>
													<p class="Style" style="margin-left: 2.1in; margin-right: .25pt">
													<i>
													<span style="font-family: Arial">
													Miscellaneous </span></i>
													</p>
													<p class="Style" style="text-indent: -23.25pt; margin-left: 24.5pt; margin-right: .25pt">
													36.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Annual report </span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: .35in; margin-right: .25pt">
													37.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Regulations </span></p>
													<p class="Style" style="text-indent: -23.5pt; margin-left: .35in; margin-right: .25pt">
													38.<span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">
													Interpretation </span></p>
													<p class="Style" style="margin-left: 157.9pt; margin-right: .25pt">
													<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
													SCHEDULE </span></p>
													<p class="Style" style="margin-left: 180.7pt; margin-right: .25pt"></div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: always">
&nbsp;</span><div class="Section5">
												<p class="Style" style="margin-left: 315.35pt; margin-right: .05pt">&nbsp;</p>
												<p class="Style" style="margin-left: 79.9pt; margin-right: 7.25pt">
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												<b>THE SEVEN HUNDRED 
												SEVENTY-THIRD </b></span></p>
												<p class="Style" style="margin-left: 152.85pt; margin-right: 7.25pt">
												<b>
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
												ACT </span></b></p>
												<p class="Style" style="margin-left: 152.4pt; margin-right: 4.35pt">
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span>
												<span style="font-family: Arial">
												ENTITLED </span></p>
												<p class="Style" style="margin-left: .85in; margin-right: 4.35pt">
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												<b>BORROWERS AND LENDERS ACT, 
												2008 </b></span></p>
												<p class="Style" style="text-align: justify; text-indent: -24.0pt; margin-left: 26.15pt; margin-right: 4.35pt">
												<span style="font-family: Arial">
												An Act to provide the legal 
												framework for credit, to improve 
												standards of disclosure of 
												information by borrowers and 
												lenders, to prohibit certain 
												credit practices, to promote a 
												consistent enforcement framework 
												related to credit, and to 
												provide for related matters.
												</span></p>
												<p class="Style" style="margin-left: 83.5pt; margin-right: 4.35pt">
												<span style="font-family: Arial">
												<b>DATE OF ASSENT</b>: <i>
												23rdDecember, 2008. </i></span>
												</p>
												<p class="Style" style="margin-left: .95pt; margin-right: 4.35pt">
												<span style="font-family: Arial">
												ENACTED by the President and 
												Parliament: </span></p>
												<p class="Style" style="margin-left: 136.3pt; margin-right: 7.25pt">
												<i>
												<span style="font-family: Arial">
												Preliminary matters </span></i>
												</p>
												<p class="Style" style="margin-right: 7.25pt">
												<span style="font-family: Arial">
												Application </span></p>
												<p class="Style" style="margin-left: 12.7pt; margin-right: 7.25pt">
												<span style="font-family: Arial">
												1. (1) This Act applies to
												</span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 64.55pt; margin-right: 7.25pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												a credit agreement between 
												parties who deal at arm's length 
												except </span></p>
												<p class="Style" style="text-align: justify; text-indent: -20.85pt; margin-left: 102.95pt; margin-right: 7.7pt">
												<span style="font-family: Arial">
												(i) a credit agreement covering 
												an amount of less than One 
												hundred Ghana Cedis (GH¢ 100) or 
												an amount determined by the Bank 
												of Ghana; </span></p>
												<p class="Style" style="text-indent: -20.6pt; margin-left: 102.0pt; margin-right: 8.65pt">
												<span style="font-family: Arial">
												(ii) any other credit agreement 
												exempted by the Bank of Ghana by 
												notice under this Act. </span>
												</p>
												<p class="Style" style="margin-left: 38.4pt; margin-right: 7.25pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												a credit guarantee where the 
												guarantee is only in respect of 
												a credit facility or credit 
												transaction covered by this Act; 
												&nbsp;</span></div>
												<div class="Section8">
													<p class="Style" style="text-align: justify; text-indent: 26.4pt; margin-left: .5pt; margin-right: 4.55pt">
													<span style="font-family: Arial">
													(2) This Act applies to a 
													credit agreement or proposed 
													credit agreement whether the 
													lender resides or has its 
													principal office within or 
													outside the country, or is
													</span></p>
													<p class="Style" style="margin-left: 50.9pt">
													<i>
													<span style="font-family: Arial">
													(a) </span></i>
													<span style="font-family: Arial">
													an institution of state,
													</span></p>
													<p class="Style" style="margin-left: 47.75pt; margin-right: 58.3pt">
													<i>
													<span style="font-family: Arial">
													(b) </span></i>
													<span style="font-family: Arial">
													an entity controlled by an 
													institution of state, or <i>
													(c) </i>an entity created by 
													an enactment. </span></p>
													<p class="Style" style="margin-left: 27.35pt">
													<span style="font-family: Arial">
													(3) Where this Act applies 
													to a credit agreement </span>
													</p>
													<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.95pt; margin-right: 2.85pt">
													<i>
													<span style="font-family: Arial">
													(a) </span></i>
													<span style="font-family: Arial">
													it continues to apply to 
													that agreement even if a 
													party to that agreement 
													ceases to reside or have its 
													principal office within the 
													country; and </span></p>
													<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.95pt; margin-right: 2.85pt">
													<i>
													<span style="font-family: Arial">
													(b) </span></i>
													<span style="font-family: Arial">
													it applies in relation to 
													every transaction, act or 
													omission under that 
													agreement, whether or not 
													that transaction, act or 
													omission occurs within or 
													outside the country. </span>
													</p>
													<p class="Style" style="text-indent: 26.6pt; margin-left: 1.45pt; margin-right: 3.35pt">
													<span style="font-family: Arial">
													(4) For purposes of this Act 
													parties are not dealing at 
													arm's length in the case of
													</span></p>
													<p class="Style" style="margin-left: 50.9pt">
													<i>
													<span style="font-family: Arial">
													(a) </span></i>
													<span style="font-family: Arial">
													a shareholder loan or other 
													credit agreement between a 
													corporate body as borrower 
													and a person who has a 
													significant shareholding in 
													that corporate body, as 
													lender; <i>(b) </i>a loan to 
													a shareholder, or other 
													credit agreement between a 
													corporate body, as lender, 
													and a person who has a 
													controlling interest in that 
													corporate body, as borrower;
													</span></p>
													<p class="Style" style="text-indent: -17.5pt; margin-left: 67.45pt; margin-right: 2.4pt">
													<i>
													<span style="font-family: Arial">
													(c) </span></i>
													<span style="font-family: Arial">
													a credit agreement between 
													persons who are in a 
													familial relationship; or
													</span></p>
													<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.95pt; margin-right: 2.85pt">
													<i>
													<span style="font-family: Arial">
													(d) </span></i>
													<span style="font-family: Arial">
													any other arrangement that 
													is of a type that has been 
													held in law to be between 
													parties who are not dealing 
													at arm's length. </span></p>
													<p class="Style" style="margin-left: 3.1pt">
													<b>
													<span style="font-family: Arial">
													Meaning of credit agreement
													</span></b></p>
													<p class="Style" style="margin-left: 15.1pt">
													<b>
													<span style="font-family: Arial">
													2. </span></b>
													<span style="font-family: Arial">
													For the purpose of this Act 
													a credit agreement is an 
													agreement </span></p>
													<p class="Style" style="margin-left: 3.35pt; margin-right: .7pt">
													<span style="font-family: Arial">
													in the nature of a credit 
													facility, a credit 
													transaction, a credit 
													guarantee or any combination 
													of these which the lender
													</span></p>
													<p class="Style" style="margin-left: 50.9pt">
													<i>
													<span style="font-family: Arial">
													(a) </span></i>
													<span style="font-family: Arial">
													resides or has its principal 
													office within or outside the
													country; 
													</span></p>
													<p class="Style" style="margin-left: 50.9pt">
													<i>
													<span style="font-family: Arial">
													(b) </span></i>
													<span style="font-family: Arial">
													an institution of state;
													</span></p>
													<p class="Style" style="margin-left: 51.1pt; margin-right: 53.25pt">
													<i>
													<span style="font-family: Arial">
													(c) </span></i>
													<span style="font-family: Arial">
													an entity controlled by an 
													institution of state; or </span></p>
													<p class="Style" style="margin-left: 51.1pt; margin-right: 53.25pt">
													<span style="font-family: Arial">
													<i>
													(d) </i>is an entity created 
													by an enactment. </span></p>
													<p class="Style" style="margin-left: 3.1pt">
													<b>
													<span style="font-family: Arial">
													Meaning of credit facility
													</span></b></p>
													<p class="Style" style="margin-left: 15.1pt">
													<span style="font-family: Arial">
													3. An agreement is a credit 
													facility if in that 
													agreement the lender </span>
													</p>
													<p class="Style" style="margin-left: 3.35pt; margin-right: .7pt">
													<span style="font-family: Arial">
													undertakes </span></p>
													<p class="Style" style="margin-left: 50.9pt">
													<i>
													<span style="font-family: Arial">
													(a) </span></i>
													<span style="font-family: Arial">
													to lend stipulated amounts 
													within a specified period or 
													at specified intervals 
													agreed on with the borrower</span></p>
													<p class="Style" style="margin-left: 50.9pt">
													<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													</span>
													<span style="font-family: Arial">&nbsp;(i) 
													to the borrower, </span>
												</div>
												<div class="Section10">
													<p class="Style">
													<span style="font-family: Arial">
													&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
													(ii) on behalf of the 
													borrower, or </span></p>
													<p class="Style" style="text-indent: 35.5pt; margin-left: 48.7pt; margin-right: 72.75pt">
													<span style="font-family: Arial">
													(iii) at the direction of 
													the borrower; and <i>(b) </i>
													to either </span></p>
													<p class="Style" style="text-indent: -20.85pt; margin-left: 103.9pt; margin-right: 1.0pt">
													<span style="font-family: Arial">
													(i) defer the borrower's 
													obligation to repay the 
													stipulated amouQt in 
													paragraph <i>(a) </i>to the 
													lender, </span></p>
													<p class="Style" style="margin-left: 84.2pt; margin-right: .05pt">
													<span style="font-family: Arial">
													(ii) bill the borrower 
													periodically for the amount
													</span></p>
													<p class="Style" style="text-indent: 104.6pt; margin-left: .2pt; margin-right: 84.75pt">
													<span style="font-family: Arial">
													stipulated in paragraph <i>
													(a) </i>whether or not a 
													charge, fee or interest is 
													payable to the lender in 
													respect of the arrangements.
													</span></p>
													<p class="Style" style="margin-left: 1.4pt; margin-right: .05pt">
													<b>
													<span style="font-family: Arial">
													Meaning of credit 
													transaction </span></b></p>
													<p class="Style" style="text-indent: -36.2pt; margin-left: 48.2pt; margin-right: 119.55pt">
													<span style="font-family: Arial">
													4. An agreement is a credit 
													transaction if it is <i>(a)
													</i>a pawn transaction;
													</span></p>
													<p class="Style" style="margin-left: 47.5pt; margin-right: .05pt">
													<i>
													<span style="font-family: Arial">
													(b) </span></i>
													<span style="font-family: Arial">
													an installment agreement;
													</span></p>
													<p class="Style" style="margin-left: 48.2pt; margin-right: 142.85pt">
													<i>
													<span style="font-family: Arial">
													(c) </span></i>
													<span style="font-family: Arial">
													a mortgage or secured loan; 
													or <i>(d) </i>a finance or 
													operating lease </span></p>
													<p class="Style" style="margin-left: .45pt; margin-right: .05pt">
													<span style="font-family: Arial">
													and it is not a credit 
													facility or credit guarantee
													</span></p>
													<p class="Style" style="margin-left: 1.4pt; margin-right: .05pt">
													<b>
													<span style="font-family: Arial">
													Meaning of credit guarantee
													</span></b></p>
													<p class="Style" style="text-align: justify; text-indent: 12.0pt; margin-right: 1.25pt">
													<b>
													<span style="font-family: Arial">
													5. </span></b>
													<span style="font-family: Arial">
													An agreement is a credit 
													guarantee if in that 
													agreement a third party 
													undertakes or promises to 
													satisfy on demand an 
													obligation of a borrower in 
													a credit facility or credit 
													transaction to which this 
													Act applies. </span></p>
													<p class="Style" style="margin-left: 60.2pt; margin-right: .05pt">
													<i>
													<span style="font-family: Arial">
													Supervisory and enfOrcement 
													role of Bank of Ghana.
													</span></i></p>
													<p class="Style" style="margin-left: 1.4pt; margin-right: .05pt">
													<b>
													<span style="font-family: Arial">
													Functions of the Bank of 
													Ghana </span></b></p>
													<p class="Style" style="margin-left: 11.5pt; margin-right: .05pt">
													<b>
													<span style="font-family: Arial">
													6. </span></b>
													<span style="font-family: Arial">
													(1) In furtherance of this 
													Act, the Bank of Ghana shall
													</span></p>
													<p class="Style" style="text-indent: -17.75pt; margin-left: 65.25pt; margin-right: 1.45pt">
													<i>
													<span style="font-family: Arial">
													(a) </span></i>
													<span style="font-family: Arial">
													promote and support the 
													development of a fair, 
													transparent, competitive, 
													and accessible credit 
													market; </span></p>
													<p class="Style" style="text-indent: -17.75pt; margin-left: 65.25pt; margin-right: 1.45pt">
													<i>
													<span style="font-family: Arial">
													(b) </span></i>
													<span style="font-family: Arial">
													receive complaints in 
													writing about alleged 
													contraventions of this Act;
													</span></p>
													<p class="Style" style="margin-left: 47.5pt; margin-right: .05pt">
													<i>
													<span style="font-family: Arial">
													(c) </span></i>
													<span style="font-family: Arial">
													monitor the credit market to 
													detect and prevent conduct
													prohibited by this Act;
													</span></p>
													<p class="Style" style="text-align: justify; margin-left: 47.5pt; margin-right: 7.45pt">
													<i>
													<span style="font-family: Arial">
													(d) </span></i>
													<span style="font-family: Arial">
													institute proceedings in 
													case of contravention of 
													this Act; </span>
													</p>
													<p class="Style" style="text-align: justify; margin-left: 47.5pt; margin-right: 7.45pt">
													<span style="font-family: Arial">
													<i>(e) </i>conduct 
													investigation to ensure 
													compliance with this Act; </span>
													</p>
													<p class="Style" style="text-align: justify; margin-left: 47.5pt; margin-right: 7.45pt">
													<span style="font-family: Arial">
													<i>
													(f) </i>issue and enforce 
													compliance orders; </span>
													</p>
													<p class="Style" style="margin-left: 47.5pt; margin-right: .05pt">
													<i>
													<span style="font-family: Arial">
													(g) </span></i>
													<span style="font-family: Arial">
													promote public awareness of 
													credit matters, through
													</span></p>
													<p class="Style" style="text-indent: -20.85pt; margin-left: 103.9pt; margin-right: 1.0pt">
													<span style="font-family: Arial">
													(i) public education, the 
													design and dissemination of 
													information to the public; 
													or </span></p>
													<p class="Style" style="text-indent: -20.85pt; margin-left: 103.9pt; margin-right: 1.0pt">
													<span style="font-family: Arial">
													(ii) the provision of 
													guidance to the credit 
													market and industry; </span>
												</div>
												<div class="Section14">
													<p class="Style" style="text-indent: -20.85pt; margin-left: 104.65pt; margin-right: 1.9pt">
													<span style="font-family: Arial">
													(iii) adoption of other 
													measures to develop public 
													awareness of the provisions 
													of this Act; </span></p>
													<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.25pt; margin-right: .95pt">
													<span style="font-family: Arial">
													(g) advise the Minister on 
													matters of national policy 
													related to credit and on the 
													determination of standards 
													as regards protection of the 
													rights of borrowers and 
													lenders in terms of this 
													Act; and </span></p>
													<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.25pt; margin-right: .95pt">
													<i>
													<span style="font-family: Arial">
													(h) </span></i>
													<span style="font-family: Arial">
													report to the Minister 
													annually on the volume and 
													cost of different types of 
													credit products, market 
													practices relating to those 
													products, and their 
													implications' for borrower 
													choice and competition in 
													the credit market. </span>
													</p>
													<p class="Style" style="margin-left: 27.6pt">
													<span style="font-family: Arial">
													(2) In furtherance of 
													subsection (1) the Bank may
													</span></p>
													<p class="Style" style="text-indent: -17.5pt; margin-left: 66.0pt; margin-right: .2pt">
													<i>
													<span style="font-family: Arial">
													(a) </span></i>
													<span style="font-family: Arial">
													have regard to international 
													developments in the field of 
													credit and financing; or
													</span></p>
													<p class="Style" style="margin-left: 48.45pt">
													<i>
													<span style="font-family: Arial">
													(b) </span></i>
													<span style="font-family: Arial">
													consult a person, 
													organisation or institution 
													about a matter. </span></p>
													<p class="Style" style="margin-left: .25pt">
													<b>
													<span style="font-family: Arial">
													Rules by Notices </span></b>
													</p>
													<p class="Style" style="text-indent: 12.2pt; margin-left: .45pt; margin-right: 72.45pt">
													<span style="font-family: Arial">
													7. The Bank may by Notice 
													make rules for the effective 
													implementation of this Act.
													</span></p>
													<p class="Style" style="margin-left: .25pt">
													<b>
													<span style="font-family: Arial">
													Investigation </span></b>
													</p>
													<p class="Style" style="text-align: justify; text-indent: 11.75pt; margin-left: .7pt; margin-right: 1.4pt">
													<b>
													<span style="font-family: Arial">
													8. </span></b>
													<span style="font-family: Arial">
													Where the Bank has reason to 
													suspect that a person has 
													committed an offence under 
													this Act or has been found 
													guilty of fraud or 
													dishonesty in relation to 
													any credit agreement, the 
													Bank may conduct 
													investigations as it 
													considers necessary in 
													pursuance of this Act.
													</span></p>
													<p class="Style" style="margin-left: .25pt">
													<b>
													<span style="font-family: Arial">
													Examination by Bank of Ghana
													</span></b></p>
													<p class="Style" style="text-indent: 12.0pt; margin-left: .45pt; margin-right: 1.65pt">
													<b>
													<span style="font-family: Arial">
													9. </span></b>
													<span style="font-family: Arial">
													(1) The Bank may examine the 
													books, accounts, documents 
													and transactions of a 
													lender. </span></p>
													<p class="Style" style="text-indent: 26.85pt; margin-left: .45pt; margin-right: 2.15pt">
													<span style="font-family: Arial">
													(2) The Bank may appoint a 
													person to perform the 
													function in subsection (1) 
													on terms and conditions 
													determined by the Bank.
													</span></p>
													<p class="Style" style="text-indent: 26.85pt; margin-left: .45pt; margin-right: 2.15pt">
													<span style="font-family: Arial">
													(3) A person appointed by 
													the Bank may make copies or 
													take possession of records 
													of a lender. </span></p>
													<p class="Style" style="text-align: justify; text-indent: 27.1pt; margin-left: .25pt; margin-right: 2.85pt">
													<span style="font-family: Arial">
													(4) A lender, a borrower, or 
													other person shall give the 
													Bank access to and shall 
													produce books, accounts, 
													documents and information 
													required to conduct the 
													inspection. </span></p>
													<p class="Style" style="text-align: justify; text-indent: 27.1pt; margin-left: .25pt; margin-right: 2.85pt">
													<span style="font-family: Arial">
													(5) A person who fails, 
													without reasonable excuse, 
													to furnish the Bank with the 
													information required commits 
													an offence and is liable on 
													summary conviction to a fine 
													of not more than two 
													thousand penalty units or to 
													a term of imprisonment of 
													not more than four years or 
													to both. </span></p></div><div class="Section17">
												<p class="Style" style="text-align: justify; text-indent: 27.1pt">
												<span style="font-family: Arial">
												(6) A person shall not disclose 
												information obtained from the 
												books produced under this 
												section without the previous 
												consent in writing of the person 
												who has custody or control of 
												the books, except to the Bank of 
												Ghana and its officers and 
												employees, unless the 
												publication or disclosure is 
												required for the purposes of 
												criminal proceedings or other 
												action under this Act. </span>
												</p>
												<p class="Style" style="margin-left: .45pt">
												<b>
												<span style="font-family: Arial">
												Order for search of premises
												</span></b></p>
												<p class="Style" style="margin-left: 12.95pt">
												<b>
												<span style="font-family: Arial">
												10. </span></b>
												<span style="font-family: Arial">
												Where the Bank has reasonable 
												grounds to suspect that </span>
												</p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 65.5pt; margin-right: .7pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												an action prohibited by this Act 
												has taken place, is taking 
												place, or is likely to take 
												place on or in the premises;
												</span></p>
												<p class="Style" style="margin-left: 48.0pt; margin-right: 1.2pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												an article connected with an 
												investigation into the 
												prohibited conduct is in the 
												possession of, or under the 
												control of, a ,,-. person who is 
												on or in the premises; or </span>
												</p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.2pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												books, the production of which 
												have been requested by the Bank 
												and have not been produced in 
												compliance with the direction 
												are in the possession or under 
												the control of a person who is 
												on or in the premis&quot;es; </span>
												</p>
												<p class="Style" style="text-align: justify; text-indent: 65.25pt; margin-left: .2pt; margin-right: .95pt">
												<span style="font-family: Arial">
												the Bank may apply to court for 
												the issue of a warrant 
												authorising the Bank or a person 
												named in the warrant to enter 
												and search the premises. </span>
												</p>
												<p class="Style" style="text-indent: -14.85pt; margin-left: 48.2pt; margin-right: 36.2pt">
												<span style="font-family: Arial">
												(2) A person authorised to enter 
												and search premises may <i>(a)
												</i>search the premises; </span>
												</p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.2pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												search any person on the 
												premises if there are reasonable 
												grounds to believe that the 
												person has personal possession 
												of an article or document that 
												has a bearing on the 
												investigation; </span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 65.5pt; margin-right: .7pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												examine an article or document 
												that is on or in the premises 
												and has a bearing on the 
												investigation; </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.2pt">
												<i>
												<span style="font-family: Arial">
												(d) </span></i>
												<span style="font-family: Arial">
												request information about an 
												article or document from the 
												owner of, or person in control 
												of the premises or from a person 
												who has control of the article 
												or document, or from any other 
												person who may have the 
												information; </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.2pt">
												<i>
												<span style="font-family: Arial">
												(e) </span></i>
												<span style="font-family: Arial">
												take extracts from, or make 
												copies of, any book or document 
												that is on or in the premises 
												and has a bearing on the 
												investigation; </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.2pt">
												<i>
												<span style="font-family: Arial">
												(f) </span></i>
												<span style="font-family: Arial">
												use any computer system on the 
												premises, or require assistance 
												of person on the premises to use 
												that computer 
												system, to </span></p></div>
												<div class="Section20">
												<p class="Style" style="text-indent: -20.85pt; margin-left: 104.6pt; margin-right: .2pt">
												<span style="font-family: Arial">
												(i) access any data contained in 
												or available to that computer 
												system; </span></p>
												<p class="Style" style="margin-left: 83.75pt">
												<span style="font-family: Arial">
												(ii) reproduce any record from 
												that data; </span></p>
												<p class="Style" style="text-indent: -20.85pt; margin-left: 104.6pt; margin-right: .2pt">
												<span style="font-family: Arial">
												(iii) seize an output from that 
												computer for examination and 
												copying; and </span></p>
												<p class="Style" style="text-align: justify; text-indent: -21.1pt; margin-left: 104.85pt; margin-right: .45pt">
												<span style="font-family: Arial">
												(iv) attach, and if necessary, 
												remove from the premises for 
												examination and safekeeping, any 
												item that has a bearing on the 
												investigation. </span></p>
												<p class="Style" style="text-align: justify; text-indent: .45in; margin-left: .7pt">
												<span style="font-family: Arial">
												(3) The powers conferred under 
												subsection (1) are in addition 
												to, and not in derogation of, 
												any other powers conferred by 
												the Criminal Offences Act, 1960 
												(Act 29) or a law related to 
												search of premises. </span></p>
												<p class="Style" style="text-indent: .45in; margin-left: 1.2pt; margin-right: .7pt">
												<span style="font-family: Arial">
												(4) In this section &quot;premises&quot; 
												includes structure, building, 
												place, aircraft, vehicle and 
												vessel. </span></p>
												<p class="Style" style="margin-left: .2pt">
												<b>
												<span style="font-family: Arial">
												Power of Court to make certain 
												orders </span></b></p>
												<p class="Style" style="text-indent: 12.7pt; margin-left: .7pt">
												<b>
												<span style="font-family: Arial">
												11. </span></b>
												<span style="font-family: Arial">
												(1) Where on the application of 
												a person alleging infringement 
												under this Act, it appears to a 
												court that a person </span></p>
												<p class="Style" style="margin-left: 47.75pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												has committed an offence under 
												this Act, </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.5pt; margin-left: 65.5pt; margin-right: .2pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												has contravened the conditions 
												or restrictions of a licence or 
												a code of conduct issued by or 
												with the permission of the Bank, 
												or </span></p>
												<p class="Style" style="margin-left: 47.75pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												is about to do an act that, if 
												done, would be an offence or
												</span></p>
												<p class="Style" style="margin-left: 65.5pt">
												<span style="font-family: Arial">
												contravention of this Act,
												</span></p>
												<p class="Style" style="text-align: justify; margin-left: .7pt; margin-right: .45pt">
												<span style="font-family: Arial">
												the Court may, without 
												limitation to any other orders 
												it may make, make an order to 
												secure compliance with any other 
												order under this section, and 
												direct a person to do or refrain 
												from doing a specified act.
												</span></p>
												<p class="Style" style="text-align: justify; text-indent: .45in; margin-left: .7pt">
												<span style="font-family: Arial">
												(2) A person who, without 
												reasonable excuse, contravenes 
												or fails to comply with an order 
												under subsection (1) commits an 
												offence and is liable on summary 
												conviction to a fine of not more 
												than five thousand penalty units 
												or to a term of imprisonment of 
												not more than ten years or to 
												both. </span></p>
												<p class="Style" style="margin-left: .2pt">
												<b>
												<span style="font-family: Arial">
												Administrative fines </span></b>
												</p>
												<p class="Style" style="text-align: justify; text-indent: 12.7pt; margin-left: .2pt; margin-right: .2pt">
												<b>
												<span style="font-family: Arial">
												12. </span></b>
												<span style="font-family: Arial">
												The Bank may impose an 
												administrative fine of not more 
												than five thousand penalty units 
												and in the case of a continued 
												breach an additional fine of not 
												more than fifty penalty units 
												for each day the breach 
												continues. </span></p></div><div class="Section23">
												<p class="Style" style="margin-left: .95pt">
												<b>
												<span style="font-family: Arial">
												Right to apply for credit </span>
												</b></p>
												<p class="Style" style="text-indent: 12.45pt; margin-left: 1.2pt; margin-right: 1.2pt">
												<b>
												<span style="font-family: Arial">
												13. </span></b>
												<span style="font-family: Arial">
												(1) A person who has a legal 
												capacity to enter into a 
												contract may apply to a lender 
												for credit. </span></p>
												<p class="Style" style="text-align: justify; text-indent: 33.1pt; margin-left: .7pt; margin-right: .95pt">
												<span style="font-family: Arial">
												(2) A lender may refuse to enter 
												into a credit agreement with a 
												prospective borrower on 
												reasonable commercial grounds 
												consistent with the lender's 
												customary risk management and 
												underwriting practices. </span>
												</p>
												<p class="Style" style="text-indent: 32.6pt; margin-left: .45pt; margin-right: 1.2pt">
												<span style="font-family: Arial">
												(3) This Act does not establish 
												a right of a person to require a 
												lender to enter into a credit 
												agreement with that person.
												</span></p>
												<p class="Style" style="margin-left: .2pt">
												<b>
												<span style="font-family: Arial">
												Protection against 
												discrimination in respect of 
												credit </span></b></p>
												<p class="Style" style="text-indent: 12.45pt; margin-left: 1.2pt; margin-right: 1.2pt">
												<b>
												<span style="font-family: Arial">
												14. </span></b>
												<span style="font-family: Arial">
												(1) A lender shall not 
												discriminate against a person on 
												the grounds of race, gender, 
												ethnicity, political 
												affiliation, or religion to
												</span></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 65.75pt; margin-right: 1.4pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												assess the ability of the person 
												to meet the obligations of a 
												proposed credit agreement;
												</span></p>
												<p class="Style" align="center" style="text-align: center; margin-left: 41.5pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												decide whether to refuse an 
												application to enter into a 
												credit agreement, or to offer or 
												enter into a credit agreement;
												</span></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 65.75pt; margin-right: 1.4pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												determine an aspect of the cost 
												of a credit agreement to the 
												borrower; </span></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 65.75pt; margin-right: 1.4pt">
												<span style="font-family: Arial">
												(d) propose or agree on the 
												terms and conditions of a credit 
												agreement; </span></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 65.75pt; margin-right: 1.4pt">
												<i>
												<span style="font-family: Arial">
												(e) </span></i>
												<span style="font-family: Arial">
												assess or require compliance by 
												the person with the terms of a 
												credit agreement; </span></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 65.75pt; margin-right: 1.4pt">
												<i>
												<span style="font-family: Arial">
												(f) </span></i>
												<span style="font-family: Arial">
												exercise any right of the lender 
												under a credit agreement, this 
												Act or any legislation relating 
												to credit; or </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.5pt; margin-left: 65.5pt; margin-right: 1.65pt">
												<i>
												<span style="font-family: Arial">
												(g) </span></i>
												<span style="font-family: Arial">
												determine whether to continue, 
												enforce, seek judgment as regard 
												a credit agreement or terminate 
												a credit agreement. </span></p>
												<p class="Style" style="text-indent: 32.6pt; margin-left: .45pt; margin-right: 1.2pt">
												<span style="font-family: Arial">
												(2) A person aggrieved by a 
												decision of a lender may make a 
												com­plaint to the Bank for 
												redress. </span></p>
												<p class="Style" style="margin-left: .2pt">
												<b>
												<span style="font-family: Arial">
												Delivery of documents </span>
												</b></p>
												<p class="Style" style="margin-left: 12.7pt">
												<b>
												<span style="font-family: Arial">
												15. </span></b>
												<span style="font-family: Arial">
												A lender shall deliver a 
												document required to be 
												delivered to a </span></p>
												<p class="Style">
												<span style="font-family: Arial">
												borrower </span></p>
												<p class="Style" style="margin-left: 47.5pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												in person; </span></p>
												<p class="Style" style="margin-left: 47.5pt; margin-right: 211.2pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												by ordinary mail; <i>(c) </i>by 
												facsimile; </span></p>
												<p class="Style" style="margin-left: 47.5pt">
												<i>
												<span style="font-family: Arial">
												(d) </span></i>
												<span style="font-family: Arial">
												by electronic-mail; </span></p>
												</div>
												<div class="Section26">
												<p class="Style"><span style="font-family: Arial">&nbsp;</span><i><span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												(e) </span></i>
												<span style="font-family: Arial">
												by printable web-page; or </span>
												</p>
												<p class="Style" style="margin-left: 48.7pt; margin-right: 1.4pt">
												<i>
												<span style="font-family: Arial">
												(f) </span></i>
												<span style="font-family: Arial">
												any other means agreed between 
												the lender and the borrower.
												</span></p>
												<p class="Style" style="margin-left: .95pt; margin-right: 1.2pt">
												<b>
												<span style="font-family: Arial">
												Protection of borrower credit 
												rights </span></b></p>
												<p class="Style" style="text-indent: 12.7pt; margin-left: .2pt; margin-right: 3.1pt">
												<b>
												<span style="font-family: Arial">
												16. </span></b>
												<span style="font-family: Arial">
												(1) A lender shall not in 
												response to a borrower's 
												exercise of a right under this 
												Act </span></p>
												<p class="Style" style="margin-left: 48.7pt; margin-right: 1.4pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												penalise the borrower; </span>
												</p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.45pt; margin-right: 2.4pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												alter, or propose to alter the 
												terms or conditions of a credit 
												agreement with the borrower to 
												the detriment of the borrower; 
												or </span></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 66.7pt; margin-right: 2.4pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												take an action to accelerate, 
												enforce, suspend or terminate a 
												credit agreement with the 
												borrower. </span></p>
												<p class="Style" style="text-indent: -15.1pt; margin-left: 49.2pt; margin-right: 2.6pt">
												<span style="font-family: Arial">
												(2) Where a credit agreement or 
												the provision of a credit 
												agreement is <i>(a) </i>declared 
												unlawful, or </span></p>
												<p class="Style" style="margin-left: 48.7pt; margin-right: 1.4pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												severed from the agreement
												the lender in that agreement 
												shall not, in response to that 
												decision 
												</span></p>
												<p class="Style" style="margin-left: 48.7pt; margin-right: 1.4pt">
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (i) alter the terms or 
												conditions of other credit 
												agreement with a party to the 
												impugned agreement, except to 
												the extent necessary to correct 
												a similarly - unlawful 
												provision; or </span></p>
												<p class="Style" style="text-align: justify; text-indent: -20.6pt; margin-left: 106.05pt; margin-right: 1.2pt">
												<span style="font-family: Arial">
												(ii) take an action to 
												accelerate, enforce, suspend or 
												terminate another credit 
												agreement with another party to 
												the impugned agreement. </span>
												</p>
												<p class="Style" style="margin-left: .95pt; margin-right: 1.2pt">
												<b>
												<span style="font-family: Arial">
												Confidentiality, personal 
												information and borrower credit 
												records </span></b></p>
												<p class="Style" style="text-align: justify; text-indent: 12.7pt; margin-left: 1.9pt; margin-right: 1.2pt">
												<b>
												<span style="font-family: Arial">
												17. </span></b>
												<span style="font-family: Arial">
												A lender or a person who acts on 
												behalf of a lender shall not 
												disclose information obtained 
												from a borrower unless the 
												information is required under 
												the Credit Reporting Act, 2007 
												(Act 726) under any other law or 
												by a court. </span></p>
												<p class="Style" style="text-indent: 123.1pt; margin-left: 2.35pt; margin-right: 124.1pt">
												<i>
												<span style="font-family: Arial">
												Disclosure of information </span>
												</i><b>
												<span style="font-family: Arial">
												Pre-agreement disclosure </span>
												</b></p>
												<p class="Style" style="text-align: justify; text-indent: 12.7pt; margin-left: 2.1pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												18. </span></b>
												<span style="font-family: Arial">
												(1) A lender shall not conclude 
												a credit agreement with a 
												prospective borrower unless the 
												lender provides the prospective 
												borrower with a pre­agreement 
												statement and quotation in the 
												form specified in the Schedule.
												</span></p>
												<p class="Style" style="text-indent: -15.1pt; margin-left: 51.05pt; margin-right: 110.45pt">
												<span style="font-family: Arial">
												(2) A pre-agreement statement 
												shall specify </span></p>
												<p class="Style" style="text-indent: -15.1pt; margin-left: 51.05pt; margin-right: 110.45pt">
												<span style="font-family: Arial">&nbsp;<i>&nbsp;&nbsp;&nbsp;&nbsp; (a) </i>the 
												principal amount; </span></p>
												<p class="Style" style="margin-left: 51.05pt; margin-right: 4.1pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												the proposed disbursement 
												schedule of the principal debt;</span></p>
												<p class="Style" style="margin-left: 51.05pt; margin-right: 4.1pt">
												<span style="font-family: Arial">
												&nbsp;<i>(c) </i>the interest rate;
												</span></p>
												<p class="Style" style="margin-left: 48.45pt">
												<i>
												<span style="font-family: Arial">(d) 
												</span></i>
												<span style="font-family: Arial">other credit costs; 
												</span></p>
												<p class="Style" style="margin-left: 48.0pt; margin-right: 26.6pt">
												<i>
												<span style="font-family: Arial">(e) 
												</span></i>
												<span style="font-family: Arial">the total amount involved in the 
												proposed agreement, </span></p>
												<p class="Style" style="margin-left: 48.0pt; margin-right: 26.6pt">
												<span style="font-family: Arial">
												<i>(f) </i>the proposed repayment schedule; 
												and </span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 66.0pt; margin-right: .7pt">
												<i>
												<span style="font-family: Arial">(g) 
												</span></i>
												<span style="font-family: Arial">the basis of any cost that may 
												be assessed if the borrower 
												breaches the contract. </span>
												</p>
												<p class="Style" style="text-indent: 32.85pt; margin-left: .2pt; margin-right: 1.4pt">
												<span style="font-family: Arial">(3) A lender who contravenes 
												this section is liable to an 
												administra­tive sanction imposed 
												by the Bank. </span></p>
												<p class="Style" style="text-indent: 32.85pt; margin-left: .2pt; margin-right: 1.4pt">
												<span style="font-family: Arial">(4) In furtherance of subsection 
												(3), a borrower may sue a lender 
												for damages for loss suffered as 
												a result of the contravention.
												</span></p>
												<p class="Style"><b>
												<span style="font-family: Arial">Marketing information
												</span></b></p>
												<p class="Style" style="margin-left: 13.2pt">
												<b>
												<span style="font-family: Arial">19. 
												</span></b>
												<span style="font-family: Arial">(1) Any written solicitation to 
												induce a person to apply for or
												</span></p>
												<p class="Style" style="margin-left: .45pt">
												<span style="font-family: Arial">obtain credit shall include
												</span></p>
												<p class="Style" style="text-align: justify; margin-left: 48.2pt; margin-right: 73.65pt">
												<i>
												<span style="font-family: Arial">(a) 
												</span></i>
												<span style="font-family: Arial">the name and business address of 
												the lender; </span></p>
												<p class="Style" style="text-align: justify; margin-left: 48.2pt; margin-right: 73.65pt">
												<span style="font-family: Arial">
												<i>(b) </i>the 
												nature of the proposed credit 
												agreement; </span></p>
												<p class="Style" style="margin-left: 48.45pt">
												<i>
												<span style="font-family: Arial">(c) 
												</span></i>
												<span style="font-family: Arial">the lender's current annual 
												interest rate and other costs of
												credit</span></p>
												<p class="Style" style="margin-left: 48.45pt">
												<i>
												<span style="font-family: Arial">(d) 
												</span></i>
												<span style="font-family: Arial">whether deposit or security is 
												required; </span></p>
												<p class="Style" style="margin-left: 48.45pt; margin-right: 84.0pt">
												<i>
												<span style="font-family: Arial">(e) 
												</span></i>
												<span style="font-family: Arial">whether residual payment will be 
												required; </span></p>
												<p class="Style" style="margin-left: 48.45pt; margin-right: 84.0pt">
												<span style="font-family: Arial">
												<i>(g) </i>whether 
												other restrictions apply; and
												</span></p>
												<p class="Style" style="margin-left: 48.45pt">
												<i>
												<span style="font-family: Arial">(h) 
												</span></i>
												<span style="font-family: Arial">any other information determined 
												by the Bank. </span></p>
												<p class="Style" style="text-align: justify; text-indent: 32.6pt; margin-left: .95pt; margin-right: .7pt">
												<span style="font-family: Arial">(2) A person who makes an oral 
												solicitation to induce a person 
												to apply for or obtain credit 
												shall provide a written 
												statement which con­tains the 
												information set out in 
												subsection (1). </span></p>
												<p class="Style" style="text-indent: 106.8pt; margin-left: .45pt; margin-right: 108.2pt">
												<i>
												<span style="font-family: Arial">Repayment and recovery of debt&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span></i><b>
												<span style="font-family: Arial">Borrower's or guarantor's 
												obligations </span></b></p>
												<p class="Style" style="text-align: justify; text-indent: 11.5pt; margin-left: .95pt; margin-right: .45pt">
												<b>
												<span style="font-family: Arial">20. 
												</span></b>
												<span style="font-family: Arial">(1) A borrower or guarantor may 
												settle the credit amount at any 
												time, subject to notice 
												requirements as the conditions 
												provided for in a credit 
												agreement. </span></p>
												<p class="Style" style="text-align: justify; text-indent: 32.6pt; margin-left: .95pt; margin-right: .7pt">
												<span style="font-family: Arial">(2) A credit agreement may 
												provide for the terms and 
												conditions of any prepayment and 
												the order in which advance 
												payments are to be applied;
												</span></p>
												<p class="Style" style="margin-left: 34.05pt">
												<span style="font-family: Arial">(3) Unless otherwise agreed by 
												the parties, the amount required 
												to </span></p>
												<p class="Style" style="text-indent: -47.75pt; margin-left: 48.95pt; margin-right: 176.85pt">
												<span style="font-family: Arial">settle a debt agreement is the 
												total of </span></p>
												<p class="Style" style="text-indent: -47.75pt; margin-left: 48.95pt; margin-right: 176.85pt">
												<span style="font-family: Arial">&nbsp;<i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a) 
												</i>the 
												principal amount; </span></p>
												<p class="Style" style="margin-left: 48.45pt">
												<i>
												<span style="font-family: Arial">(b) 
												</span></i>
												<span style="font-family: Arial">the accrued interest charges;
												</span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 66.0pt; margin-right: .7pt">
												<i>
												<span style="font-family: Arial">(c) 
												</span></i>
												<span style="font-family: Arial">a prepayment charge, if any, 
												agreed between the borrower and 
												the lender; and </span></p></div><div class="Section31">
												<p class="Style">
												<span style="font-family: Arial">
												&nbsp;</span><i><span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												(d) </span></i>
												<span style="font-family: Arial">the other fees and charges 
												payable by the borrower to the 
												lender up to the date for 
												settlement. </span>
												<p class="Style" style="margin-left: .95pt; margin-right: 3.15pt">
												<span style="font-family: Arial">(4) Subject to notice 
												requirements provided in a 
												credit agreement, a lender shall 
												accept any payment under a 
												credit agreement when it is 
												tendered, even if that is before 
												the date on which the payment is 
												due. (5) A lender shall credit 
												each payment made under a credit 
												agree­ment to the borrower as of 
												the date of receipt of the 
												payment.&nbsp;&nbsp;&nbsp;
												</span></p>
												<p class="Style" style="margin-left: .95pt; margin-right: 3.15pt">
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												</span><i>
												<span style="font-family: Arial">Collateral registry and 
												registration of charge</span></i></p>
												<p class="Style" style="margin-left: .95pt; margin-right: 3.15pt">
												<b>
												<span style="font-family: Arial">Collateral Registry 
												</span></b></p>
												<p class="Style" style="text-indent: 11.5pt; margin-left: 1.9pt; margin-right: 9.4pt">
												<b>
												<span style="font-family: Arial">21. 
												</span></b>
												<span style="font-family: Arial">There is established by this Act 
												a registry known as the 
												Collateral Registry. </span></p>
												<p class="Style" style="margin-left: 2.85pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">Object ofthe Registry
												</span></b></p>
												<p class="Style" style="text-indent: 11.5pt; margin-left: 2.85pt; margin-right: 1.7pt">
												<b>
												<span style="font-family: Arial">22. 
												</span></b>
												<span style="font-family: Arial">The object of the Registry is to 
												register charges and collaterals 
												created by borrowers to secure 
												credit facilities provided by 
												lenders. </span></p>
												<p class="Style" style="margin-left: 2.85pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">Functions of the Registry 
												</span></b></p>
												<p class="Style" style="text-indent: 11.5pt; margin-left: 2.85pt; margin-right: 1.7pt">
												<b>
												<span style="font-family: Arial">23. 
												</span></b>
												<span style="font-family: Arial">The Registry shall register 
												charges and collateral perform 
												other functions are determined 
												by the Bank. </span></p>
												<p class="Style" style="margin-left: 2.85pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">Appointment of collateral 
												Registrar </span></b></p>
												<p class="Style" style="text-indent: 11.5pt; margin-left: 2.85pt; margin-right: 1.7pt">
												<b>
												<span style="font-family: Arial">24. 
												</span></b>
												<span style="font-family: Arial">The Bank shall appoint a 
												Registrar of charges and 
												collateral on terms and 
												conditions specified in the 
												letter of appointment. </span>
												</p>
												<p class="Style" style="margin-left: 2.85pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">Registration of charges 
												</span></b></p>
												<p class="Style" style="text-align: justify; text-indent: 11.25pt; margin-left: 3.8pt; margin-right: .75pt">
												<b>
												<span style="font-family: Arial">25. 
												</span></b>
												<span style="font-family: Arial">(1) A borrower or a person 
												interested in a charge shall 
												register a certified copy of a 
												charge or collateral created by 
												the borrower in favour of a 
												lender with the Collateral 
												Registry within twenty-eight 
												days after the date of the 
												creation of the collateral or 
												charge. </span></p>
												<p class="Style" style="text-align: justify; text-indent: 32.6pt; margin-left: 3.8pt; margin-right: .25pt">
												<span style="font-family: Arial">(2) Where a charge is created by 
												a company, the requirement to 
												register charges with the 
												Collateral Registry under this 
												section shall be in addition to 
												the requirement under section 
												107 of the Companies Act, 1963 
												(Act 179) to register charges 
												with the Registrar of Companies.
												</span></p>
												<p class="Style" style="text-align: justify; text-indent: 32.6pt; margin-left: 3.8pt; margin-right: .25pt">
												<span style="font-family: Arial">(3) A charge which is not 
												registered in accordance with 
												subsec­tion (1) is of no effect 
												as security for a borrower's 
												obligations for repay­ment of 
												the money secured and the money 
												secured shall immediately become 
												payable despite any provision to 
												the contrary in any contract.
												</span></p></div><div class="Section35">
												<p class="Style" style="margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												Procedure on registration </span>
												</b></p>
												<p class="Style" style="text-indent: -36.2pt; margin-left: 48.0pt; margin-right: 51.65pt">
												<b>
												<span style="font-family: Arial">
												26. </span></b>
												<span style="font-family: Arial">
												(1) The Collateral Registrar 
												shall specify in the register <i>
												(a) </i>the name of the 
												borrower; </span></p>
												<p class="Style" style="margin-left: 48.0pt; margin-right: .05pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												the name of the lender; </span>
												</p>
												<p class="Style" style="margin-left: 48.0pt; margin-right: .05pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												the nature of the charge; </span>
												</p>
												<p class="Style" style="text-align: justify; margin-left: 48.0pt; margin-right: 127.45pt">
												<i>
												<span style="font-family: Arial">
												(d) </span></i>
												<span style="font-family: Arial">
												the date of creation of the 
												charge; <i>(e) </i>the amount 
												secured by the charge, </span>
												</p>
												<p class="Style" style="margin-left: 48.0pt; margin-right: .05pt">
												<i>
												<span style="font-family: Arial">
												(f) </span></i>
												<span style="font-family: Arial">
												short particulars of the 
												property charged; and </span>
												</p>
												<p class="Style" style="text-align: justify; text-indent: -.25in; margin-left: 66.2pt; margin-right: 1.45pt">
												<i>
												<span style="font-family: Arial">
												(g) </span></i>
												<span style="font-family: Arial">
												in the case of a floating 
												charge, the nature of any 
												restriction on the power of the 
												borrower or chargor to grant 
												further charges that rank in 
												priority to or with the charge 
												created. </span></p>
												<p class="Style" style="margin-left: 33.6pt; margin-right: .05pt">
												<span style="font-family: Arial">
												(2) This section does not affect 
												the provisions of other 
												enactment </span></p>
												<p class="Style" style="margin-left: 1.4pt; margin-right: .05pt">
												<span style="font-family: Arial">
												related to the registration of 
												charges. </span></p>
												<p class="Style" style="text-align: justify; text-indent: 32.85pt; margin-left: .7pt; margin-right: 1.45pt">
												<span style="font-family: Arial">
												(3) In furtherance of this 
												section, the Registrar shall 
												keep, with respect to each 
												borrower; a register of the 
												particulars of the charge 
												delivered for registration.
												</span></p>
												<p class="Style" style="text-indent: 35.75pt; margin-left: .95pt; margin-right: .25pt">
												<span style="font-family: Arial">
												(4) The Registrar shall issue a 
												certificate of the registration 
												of particulars of any charge 
												registered to the borrower.
												</span></p>
												<p class="Style" style="text-indent: 32.6pt; margin-left: 1.4pt; margin-right: 1.0pt">
												<span style="font-family: Arial">
												(5) The certificate shall be 
												evidence in the absence ofa copy 
												of the document on the charge.
												</span></p>
												<p class="Style" style="margin-left: 1.2pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												Registration of satisfaction of 
												debt </span></b></p>
												<p class="Style" style="text-indent: 11.5pt; margin-left: 1.4pt; margin-right: 1.0pt">
												<b>
												<span style="font-family: Arial">
												27. </span></b>
												<span style="font-family: Arial">
												(1) The Registrar shall, on 
												application in the prescribed 
												form and on proof of </span></p>
												<p class="Style" style="text-indent: -17.75pt; margin-left: 66.95pt; margin-right: 1.0pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												payment in whole or in part for 
												the debt for which the charge 
												was created, or </span></p>
												<p class="Style" style="text-indent: 48.0pt; margin-left: 1.4pt; margin-right: .5pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												the release of the whole or part 
												of the property charged, enter a 
												memorandum of release of debt in 
												the Register and furnish the 
												borrower with a copy of the 
												memorandum. </span></p>
												<p class="Style" style="text-indent: 32.6pt; margin-left: 1.4pt; margin-right: 1.0pt">
												<span style="font-family: Arial">
												(2) The memorandum shall specify 
												whether the charge is released 
												in whole or in part. </span></p>
												<p class="Style" style="margin-left: 1.2pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												Expiry </span></b>
												<span style="font-family: Arial">
												of time <b>for registration </b>
												</span></p>
												<p class="Style" style="margin-left: 1.4pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												28. </span></b>
												<span style="font-family: Arial">
												(1) The Registrar may accept for 
												registration particulars of a 
												charge submitted later than the 
												time specified in section 25 on 
												satisfaction that </span></p>
												<p class="Style" style="margin-left: 1.4pt; margin-right: .05pt">
												<span style="font-family: Arial">&nbsp;<i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a) </i>the 
												failure to register particulars 
												of the charge within the 
												specified time shall not 
												prejudice the position of 
												creditors or shareholders of the 
												borrower, or </span></p>
												</div><div class="Section38">
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 65.5pt; margin-right: 3.65pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												it is just and equitable to 
												allow the registration on terms 
												that the Registrar considers 
												just and expedient to extend the 
												time for registration. </span>
												</p>
												<p class="Style" style="margin-left: 33.35pt; margin-right: .05pt">
												<span style="font-family: Arial">
												(2) The extension of time for 
												registration of charge </span>
												</p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 65.5pt; margin-right: 3.65pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												shall not, unless otherwise 
												decided by a court adversely 
												affect the right of a person 
												who, prior to the date of actual 
												registration of particulars of 
												the charge, may have acquired 
												proprietary rights in, or a 
												fIxed or floating charge on, the 
												property subject to the charge, 
												and </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 65.5pt; margin-right: 3.65pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												is of no effect against a 
												liquidator, offIcial trustee, 
												and creditors of the borrower, 
												if insolvency or winding-up 
												proceedings that affect the 
												borrower commences before the 
												date of actual registration of 
												the charge. </span></p>
												<p class="Style" style="margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												Appointment of receiver or 
												manager </span></b></p>
												<p class="Style" style="text-indent: -36.2pt; margin-left: 48.2pt; margin-right: 81.15pt">
												<b>
												<span style="font-family: Arial">
												29. </span></b>
												<span style="font-family: Arial">
												A lender in whose favour a 
												charge is created may <i>(a) </i>
												appoint a receiver or manager, 
												or </span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 66.45pt; margin-right: .5pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												apply to court for the 
												appointment of a receiver or 
												manager to </span></p>
												<p class="Style" style="margin-left: 84.0pt; margin-right: .05pt">
												<span style="font-family: Arial">
												(i) take possession of and 
												protect the property, </span>
												</p>
												<p class="Style" style="text-indent: -20.85pt; margin-left: 104.85pt; margin-right: 1.7pt">
												<span style="font-family: Arial">
												(ii) receive the rents and 
												profIts and discharge the 
												outgoings of the property, or
												</span></p>
												<p class="Style" style="margin-left: 84.0pt; margin-right: .05pt">
												<span style="font-family: Arial">
												(ii) realise the security on 
												behalf of the lender. </span>
												</p>
												<p class="Style" style="text-indent: -12.45pt; margin-left: 12.7pt; margin-right: 97.0pt">
												<b>
												<span style="font-family: Arial">
												Registration of appointment or 
												removal of receiver 30. </span>
												</b>
												<span style="font-family: Arial">
												(1) A person who </span></p>
												<p class="Style" style="margin-left: 48.45pt; margin-right: .05pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												appoints a receiver or manager,
												</span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 66.45pt; margin-right: .5pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												obtains an order for the 
												appointment of a receiver or 
												manager, or </span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 66.45pt; margin-right: .5pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												enters into possession of the 
												property under the powers 
												contained in a charge, </span>
												</p>
												<p class="Style" style="margin-left: .95pt; margin-right: .25pt">
												<span style="font-family: Arial">
												shall, within ten days after the 
												date of the appointment, order 
												or entry into possession give 
												notice of the fact to the 
												Registrar. </span></p>
												<p class="Style" style="text-align: justify; text-indent: 33.6pt; margin-left: .2pt; margin-right: .05pt">
												<span style="font-family: Arial">
												(2) The Registrar shall enter 
												the notice of appointment of 
												receiver or manager in the 
												register of the particulars of 
												charges relating to the 
												borrower. </span></p>
												<p class="Style" style="margin-left: 33.35pt; margin-right: .05pt">
												<span style="font-family: Arial">
												(3) Where a </span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 66.45pt; margin-right: .5pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												person appointed receiver of the 
												property of the lender ceases to 
												act as receiver or manager, or
												</span></p>
												</div><div class="Section41">
												<p class="Style" style="margin-left: 48.2pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												person who has entered into 
												possession goes out of 
												possession </span>
												</p>
												<p class="Style" style="text-align: justify; margin-left: .45pt">
												<span style="font-family: Arial">
												the lender shall, within ten 
												days of the occurrence' of the 
												events in paragraph <i>(a) </i>
												or <i>(b), </i>give notice to 
												that effect in the prescribed 
												form to the Registrar who shall 
												enter the notice in the register 
												of particulars of charges.
												</span></p>
												<p class="Style" style="text-indent: 32.6pt; margin-left: .45pt; margin-right: 1.65pt">
												<span style="font-family: Arial">
												(4) A person who fails to give 
												notice under this section 
												commits an offence and is liable 
												on summary conviction to </span>
												</p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 66.0pt; margin-right: .95pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												in the case of an entity, a fine 
												of not more than one thousand 
												penalty units, or </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.5pt; margin-left: 66.0pt; margin-right: .95pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												in the case of an individual, 
												two hundred and fifty penalty 
												units or to a term of 
												imprisonment of not less than 
												two years or to both. </span>
												</p>
												<p class="Style"><b>
												<span style="font-family: Arial">
												Notices to be published in 
												Gazette </span></b></p>
												<p class="Style" style="text-indent: 11.75pt; margin-left: .7pt; margin-right: 1.9pt">
												<b>
												<span style="font-family: Arial">
												31. </span></b>
												<span style="font-family: Arial">
												The Registrar shall cause a copy 
												of the notice given under 
												section 30 to be published in 
												the <i>Gazette. </i></span></p>
												<p class="Style" style="text-indent: 11.75pt; margin-left: .7pt; margin-right: 1.9pt">
												<i>
												<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
												Enforcement of borrower's 
												obligations </span></i></p>
												<p class="Style" style="text-indent: 11.75pt; margin-left: .7pt; margin-right: 1.9pt">
												<b>
												<span style="font-family: Arial">
												Default in payment </span></b>
												</p>
												<p class="Style" style="text-align: justify; text-indent: 12.0pt; margin-left: .45pt; margin-right: 1.2pt">
												<b>
												<span style="font-family: Arial">
												32. </span></b>
												<span style="font-family: Arial">
												(1) Where a borrower fails to 
												make payment on the due date for 
												a payment, the lender shall give 
												notice of default to the 
												borrower in writing and request 
												the borrower to pay the amount 
												due within thirty days. </span>
												</p>
												<p class="Style" style="text-indent: -14.85pt; margin-left: 48.45pt; margin-right: 138.95pt">
												<span style="font-family: Arial">
												(2) The lender may send the 
												notice by <i>(a) </i>hand,
												</span></p>
												<p class="Style" style="margin-left: 48.2pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												courier service, </span></p>
												<p class="Style" style="margin-left: 48.2pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												registered mail, or </span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 66.0pt; margin-right: .95pt">
												<i>
												<span style="font-family: Arial">
												(d) </span></i>
												<span style="font-family: Arial">
												other means determined by the 
												lender in consultation with the 
												borrower. </span></p>
												<p class="Style" style="margin-left: 36.7pt">
												<span style="font-family: Arial">
												(3) Where the notice is 
												delivered </span></p>
												<p class="Style" style="text-indent: -17.25pt; margin-left: 66.0pt; margin-right: .95pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												by hand, it shall take effect on 
												the date it is received by or on 
												behalf of the borrower; and
												</span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.5pt; margin-left: 66.0pt; margin-right: .95pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												by courier service or registered 
												mail, it shall take effect on 
												the day it is officially 
												recorded as delivered by return 
												receipt </span></p>
												<p class="Style">
												<span style="font-family: Arial">
												&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; or its 
												equivalent. 
												&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
												. </span></p>
												<p class="Style" style="text-align: justify; text-indent: 32.85pt; margin-left: .95pt; margin-right: 1.2pt">
												<span style="font-family: Arial">
												(3) If a borrower fails to payor 
												make satisfactory arrangements 
												to pay the amount outstanding to 
												the lender within thirty days 
												after the date of receipt of the 
												notice, the lender may enforce 
												the rights provided for under 
												this Act. </span></p>
												</div><div class="Section44">
												<p class="Style" style="margin-left: .95pt">
												<b>
												<span style="font-family: Arial">
												Remedies of lender on default
												</span></b></p>
												<p class="Style" style="text-indent: 11.75pt; margin-left: .7pt; margin-right: 3.8pt">
												<b>
												<span style="font-family: Arial">
												33. </span></b>
												<span style="font-family: Arial">
												Where a borrower fails to pay an 
												amount secured by a charge under 
												this Act, the lender may </span>
												</p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 65.0pt; margin-right: 3.35pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												sue the borrower on any covenant 
												to perform under the credit 
												agreement, or </span></p>
												<p class="Style" style="text-indent: -17.5pt; margin-left: 65.0pt; margin-right: 3.35pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												realise the security in the 
												property charged on notice to 
												the person in possession of the 
												property. </span></p>
												<p class="Style" style="margin-left: .2pt">
												<b>
												<span style="font-family: Arial">
												Lender's right to possession
												</span></b></p>
												<p class="Style" style="text-align: justify; text-indent: 11.75pt; margin-left: .7pt; margin-right: 1.65pt">
												<b>
												<span style="font-family: Arial">
												34. (1) In </span></b>
												<span style="font-family: Arial">
												the exercise ofright of 
												possession of property that is 
												subject to a charge to secure a 
												borrower's obligations under a 
												credit agreement, a lender is 
												not obliged to initiate 
												proceedings in court to enforce 
												the right of possession. </span>
												</p>
												<p class="Style">
												<span style="font-family: Arial">
												&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Where a 
												lender is unable to enforce a 
												right of possession in </span>
												</p>
												<p class="Style" style="text-align: justify; margin-left: .45pt; margin-right: 1.2pt">
												<span style="font-family: Arial">
												a peaceable manner, the lender 
												may use the services of the 
												police to evict the borrower or 
												other person in possession 
												pursuant to a warrant issued by 
												a court. </span></p>
												<p class="Style" style="margin-left: 33.1pt">
												<span style="font-family: Arial">
												(3) A person who </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.75pt; margin-left: 66.0pt; margin-right: 1.9pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												fails without reasonable excuse, 
												to vacate premises being 
												foreclosed by a lender under 
												subsection (1) when duly 
												requested to do so, or </span>
												</p>
												<p class="Style" style="margin-left: 48.2pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												obstructs a lender in the lawful 
												exercise of power conferred
												</span></p>
												<p class="Style" style="margin-left: 66.0pt">
												<span style="font-family: Arial">
												on the lender by this section,
												</span></p>
												<p class="Style" style="text-align: justify; margin-left: .45pt; margin-right: 1.2pt">
												<span style="font-family: Arial">
												commits an offence and is liable 
												on summary conviction to a fine 
												of not more than five hundred 
												penalty units or to a term of 
												imprisonment of not more than 
												six months or to both; and in 
												the case of a continuing 
												offence, to a further fine not 
												exceeding fifty penalty units in 
												respect of any day on which the 
												offence continues. </span></p>
												<p class="Style" style="margin-left: .2pt">
												<b>
												<span style="font-family: Arial">
												Mortgages </span></b></p>
												<p class="Style" style="text-align: justify; text-indent: 11.75pt; margin-left: .7pt; margin-right: 1.65pt">
												<b>
												<span style="font-family: Arial">
												35. </span></b>
												<span style="font-family: Arial">
												(1) The Mortgages Act, 1972 
												(NRCD 96) does not apply to the 
												rights of a lender under this 
												Act in the event of default on 
												the part of a borrower. </span>
												</p>
												<p class="Style" style="text-align: justify; text-indent: .45in; margin-left: 1.9pt">
												<span style="font-family: Arial">
												(2) Where there is a conflict 
												between the provisions of this 
												Act and the provisions of the 
												Mortgages Act or other laws or 
												rules applicable to the 
												enforcement of a lender's 
												rights, the provisions of this 
												Act shall prevail. </span></p></div><div class="Section47">
												<p class="Style" style="margin-left: .25pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												Annual report </span></b></p>
												<p class="Style" style="text-align: justify; text-indent: 12.0pt; margin-left: .25pt; margin-right: .75pt">
												<b>
												<span style="font-family: Arial">
												36. </span></b>
												<span style="font-family: Arial">
												(1) The Bank shall, within six 
												months after the expiration of 
												each financial year, submit to 
												the Minister an annual report on 
												the adminis­tration of this Act.
												</span></p>
												<p class="Style" style="margin-left: 33.1pt; margin-right: .05pt">
												<span style="font-family: Arial">
												(2) The annual report shall 
												include </span></p>
												<p class="Style" style="text-align: justify; margin-left: 48.25pt; margin-right: 45.65pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												a record of violations and 
												remedial actions taken, <i>(b)
												</i>volumes of different types 
												of credit products, and </span>
												</p>
												<p class="Style" style="text-indent: -.25in; margin-left: 66.25pt; margin-right: .75pt">
												<i>
												<span style="font-family: Arial">
												(c) </span></i>
												<span style="font-family: Arial">
												proposals for ongoing 
												improvement for the effective 
												administration of this Act.
												</span></p>
												<p class="Style" style="margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												Regulations </span></b></p>
												<p class="Style" style="text-align: justify; text-indent: 12.0pt; margin-right: .75pt">
												<b>
												<span style="font-family: Arial">
												37. </span></b>
												<span style="font-family: Arial">
												The Minister may, in 
												consultation with the Bank, by 
												Legislative Instrument make 
												Regulations for the effective 
												implementation of this Act.
												</span></p>
												<p class="Style" style="margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												Interpretation </span></b></p>
												<p class="Style" style="margin-left: 12.0pt; margin-right: .05pt">
												<b>
												<span style="font-family: Arial">
												38. </span></b>
												<span style="font-family: Arial">
												In this Act, unless the context 
												otherwise requires </span></p>
												<p class="Style" style="margin-left: 48.7pt; margin-right: .75pt">
												<span style="font-family: Arial">
												&quot;Bank&quot; means the Bank of Ghana 
												continued in existence in 
												section 1 of the Bank of Ghana 
												Act, 2002 (Act 612); &quot;borrower&quot; 
												means a person who has concluded 
												a credit agreement with a 
												lender; </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.5pt; margin-left: 66.2pt; margin-right: .25pt">
												<span style="font-family: Arial">
												&quot;charge&quot; means charge, mortgage, 
												security, interest, lien, 
												pledge, assignment by way of 
												security, covenant, restriction, 
												reservation, lease, trust, 
												order, decree, judgment, title 
												defect (including retention of 
												title claim), or any other 
												encumbrance of any nature other 
												than liens arising by operation 
												of law; </span></p>
												<p class="Style" style="margin-left: 48.7pt; margin-right: .75pt">
												<span style="font-family: Arial">
												&quot;chargor&quot; means a lender in 
												whose favour a charge is 
												created; &quot;lender&quot; means a person 
												who, as part of business, 
												advances loans and other credit 
												facilities including micro 
												credit facilities; </span></p>
												<p class="Style" style="text-align: justify; text-indent: -17.5pt; margin-left: 66.2pt; margin-right: .25pt">
												<span style="font-family: Arial">
												&quot;person&quot; includes an individual, 
												a company, a partnership, an 
												association, and any other group 
												of persons acting in concert, 
												whether incorporated or not;
												</span></p>
												<p class="Style" style="margin-left: 48.7pt; margin-right: .75pt">
												<span style="font-family: Arial">
												&quot;premises&quot; includes any 
												building, structure, land or 
												other place; &quot;prescribed&quot; means 
												prescribed by Regulations, 
												Rules, Notices, or directives 
												made or issued under this Act;
												</span></p></div><div class="Section50">
												<p class="Style" style="text-indent: -17.5pt; margin-left: 65.95pt; margin-right: 4.35pt">
												<span style="font-family: Arial">
												&quot;property&quot; includes movable and 
												immovable property and choses in 
												action; </span></p>
												<p class="Style" style="margin-left: 50.35pt; margin-right: .05pt">
												<span style="font-family: Arial">
												&quot;receiver&quot; means a person 
												appointed as receiver in 
												accordance </span></p>
												<p class="Style" style="margin-left: 66.45pt; margin-right: 3.15pt">
												<span style="font-family: Arial">
												with the provisions of this Act, 
												including a receiver and manager 
												or similar officer; </span></p>
												<p class="Style" style="margin-left: 50.35pt; margin-right: .05pt">
												<span style="font-family: Arial">
												&quot;Registrar&quot; means the Registrar 
												of Collateral appointed under
												</span></p>
												<p class="Style" style="margin-left: 69.05pt; margin-right: .05pt">
												<span style="font-family: Arial">
												section 24 of this Act; </span>
												</p>
												<p class="Style" style="margin-left: 50.35pt; margin-right: .05pt">
												<span style="font-family: Arial">
												&quot;significant shareholding&quot; means 
												a dir~ct or indirect holding
												</span></p>
												<p class="Style" style="margin-left: 69.05pt; margin-right: .05pt">
												<span style="font-family: Arial">
												in a non-bank financial 
												institution </span></p>
												<p class="Style" style="margin-left: 50.35pt; margin-right: .05pt">
												<i>
												<span style="font-family: Arial">
												(a) </span></i>
												<span style="font-family: Arial">
												which represents ten per cent or 
												more of the capital or of </span>
												</p>
												<p class="Style" style="margin-left: 69.05pt; margin-right: .05pt">
												<span style="font-family: Arial">
												the voting right, or </span></p>
												<p class="Style" style="text-align: justify; text-indent: -.25in; margin-left: 69.8pt; margin-right: .05pt">
												<i>
												<span style="font-family: Arial">
												(b) </span></i>
												<span style="font-family: Arial">
												which makes it possible to 
												exercise a significant influence 
												over the management of the 
												institution in which a holding
												subsists. 
												</span></p>
												</div><div class="Section53">
												<p class="Style" style="margin-left: 141.05pt; margin-right: 1.25pt">
												<b>
												<span style="font-family: Arial">
												SCHEDULE </span></b></p>
												<p class="Style" style="text-indent: -63.1pt; margin-left: 94.5pt; margin-right: 1.25pt">
												<b>
												<span style="font-family: Arial">
												PRE-AGREEMENT TRUTH IN LENDING 
												DISCLOSURE STATEMENT: SECTION 18 
												(1) </span></b></p>
												<p class="Style" style="margin-left: 40.0pt; margin-right: 1.25pt">
												<span style="font-family: Arial">
												(This is neither a Contract nor 
												a commitment to Lend) </span>
												</div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: auto">
&nbsp;</span><div class="Section55">
												<p class="Style" style="margin-left: 24.95pt; margin-right: 3.1pt">
												<span style="font-family: Arial">
												Lender's Name: </span></p>
												<p class="Style" style="margin-left: 24.95pt; margin-right: 3.1pt">
												<span style="font-family: Arial">
												Applicant:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												Prepared By: </span></p>
												<p class="Style" style="margin-left: 24.95pt">
												<span style="font-family: Arial">
												Address: </span></p>
												<p class="Style" style="margin-left: 24.95pt">
												<span style="font-family: Arial">
												Application No:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												Date Prepared: </span></p>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all">
&nbsp;</span><p class="Style"><span style="font-family: Arial">&nbsp;</span></p>
												<p class="Style" style="margin-left: .25pt">
												</div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: auto">
&nbsp;</span><div class="Section56">
												<p class="Style">
												<span style="font-family: Arial">
												&nbsp;</span></div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: auto">
&nbsp;</span><div class="Section57">
												<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse: collapse; margin-left: .25pt" id="table1" width="592">
													<tr style="height: 17.25pt">
														<td width="30" style="width: 22.3pt; height: 17.25pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: 1.0pt solid windowtext; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="87" style="width: 65.5pt; height: 17.25pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: 1.0pt solid windowtext; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 25.65pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">ANNUAL
														</font> </span></b>
														</td>
														<td width="120" colspan="3" style="width: 90.25pt; height: 17.25pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: 1.0pt solid windowtext; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 2.4pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">FINANCE 
														</font> </span></b></td>
														<td width="92" colspan="2" style="width: 69.15pt; height: 17.25pt; border-left: medium none; border-right: medium none; border-top: 1.0pt solid windowtext; border-bottom: medium none; padding: 0in">
														<p class="Style" style="margin-left: 20.85pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">AMOUNT</font></span></b></td>
														<td style="width: 47px; height: 17.25pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: 1.0pt solid windowtext; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td colspan="3" style="width: 173px; height: 17.25pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: 1.0pt solid windowtext; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .2pt">
														<span style="font-family: Arial; font-weight:700">
														<font size="3">TOTAL OF 
														</font> </span></td>
													</tr>
													<tr style="height: 12.2pt">
														<td width="117" colspan="2" style="width: 87.8pt; height: 12.2pt; border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 3.1pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">PERCENTAGE 
														</font> </span></b>
														</td>
														<td width="120" colspan="3" style="width: 90.25pt; height: 12.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 2.4pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">CHARGE 
														</font> </span></b></td>
														<td width="92" colspan="2" style="width: 69.15pt; height: 12.2pt; border: medium none; padding: 0in">
														<p class="Style" style="margin-left: 20.85pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">FINANCED 
														</font> </span></b>
														</td>
														<td style="width: 47px; height: 12.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td colspan="3" style="width: 173px; height: 12.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .2pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">PAYMENTS 
														</font> </span></b>
														</td>
													</tr>
													<tr style="height: 13.65pt">
														<td width="30" style="width: 22.3pt; height: 13.65pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="87" style="width: 65.5pt; height: 13.65pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 25.65pt">
														<b>
														<span style="font-family: Arial">
														<font size="3">RATE 
														</font> </span></b></td>
														<td width="28" style="width: 20.9pt; height: 13.65pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td width="36" style="width: 27.1pt; height: 13.65pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td width="56" style="width: 42.25pt; height: 13.65pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td width="41" style="width: 30.95pt; height: 13.65pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td width="51" style="width: 38.2pt; height: 13.65pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td style="width: 47px; height: 13.65pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td style="width: 35px; height: 13.65pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td width="42" style="width: 31.65pt; height: 13.65pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
														<td style="width: 91px; height: 13.65pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<b>
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></b></td>
													</tr>
													<tr style="height: 14.85pt">
														<td width="117" colspan="2" style="width: 87.8pt; height: 14.85pt; border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 3.1pt">
														<span style="font-family: Arial">
														<font size="3">The cost of your 
														</font> </span>
														</td>
														<td width="120" colspan="3" style="width: 90.25pt; height: 14.85pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 2.4pt">
														<span style="font-family: Arial">
														<font size="3">The amount the 
														</font> </span>
														</td>
														<td width="41" style="width: 30.95pt; height: 14.85pt; border: medium none; padding: 0in">
														<p class="Style" style="margin-left: 5.0pt">
														<span style="font-family: Arial">
														<font size="3">The 
														</font> </span></td>
														<td width="51" style="width: 38.2pt; height: 14.85pt; border: medium none; padding: 0in">
														<p class="Style" style="margin-left: .7pt">
														<span style="font-family: Arial">
														<font size="3">amount 
														</font> </span></td>
														<td style="width: 47px; height: 14.85pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">of </font> </span></td>
														<td colspan="3" style="width: 173px; height: 14.85pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .2pt">
														<span style="font-family: Arial">
														<font size="3">The amount you will
														</font>
														</span></td>
													</tr>
													<tr style="height: 12.0pt">
														<td width="117" colspan="2" style="width: 87.8pt; height: 12.0pt; border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 3.1pt">
														<span style="font-family: Arial">
														<font size="3">credit at a yearly
														</font>
														</span></td>
														<td width="120" colspan="3" style="width: 90.25pt; height: 12.0pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 2.4pt">
														<span style="font-family: Arial">
														<font size="3">credit will cost you
														</font>
														</span></td>
														<td colspan="3" style="width: 159px; height: 12.0pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">credit provided to
														</font>
														</span></td>
														<td style="width: 35px; height: 12.0pt; border: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-left: 1.2pt">
														<span style="font-family: Arial">
														<font size="3">have 
														</font> </span></td>
														<td width="42" style="width: 31.65pt; height: 12.0pt; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .95pt">
														<span style="font-family: Arial">
														<font size="3">paid 
														</font> </span></td>
														<td style="width: 91px; height: 12.0pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 1.4pt">
														<span style="font-family: Arial">
														<font size="3">after 
														</font> </span></td>
													</tr>
													<tr style="height: 12.2pt">
														<td width="30" style="width: 22.3pt; height: 12.2pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">Rate 
														</font> </span></td>
														<td width="87" style="width: 65.5pt; height: 12.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="120" colspan="3" style="width: 90.25pt; height: 12.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: 2.4pt">
														<span style="font-family: Arial">
														<font size="3">(specify currency 
														</font> </span>
														</td>
														<td colspan="3" style="width: 159px; height: 12.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">you or on your 
														</font> </span>
														</td>
														<td colspan="3" style="width: 173px; height: 12.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-right: .2pt">
														<span style="font-family: Arial">
														<font size="3">making all payments
														</font>
														</span></td>
													</tr>
													<tr style="height: 12.0pt">
														<td width="30" style="width: 22.3pt; height: 12.0pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="87" style="width: 65.5pt; height: 12.0pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="120" colspan="3" style="width: 90.25pt; height: 12.0pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" style="margin-left: 5.5pt">
														<span style="font-family: Arial">
														<font size="3">and amount) 
														</font> </span></td>
														<td width="41" style="width: 30.95pt; height: 12.0pt; border: medium none; padding: 0in">
														<p class="Style" style="margin-left: 5.0pt">
														<span style="font-family: Arial">
														<font size="3">behalf 
														</font> </span></td>
														<td width="51" style="width: 38.2pt; height: 12.0pt; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 47px; height: 12.0pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td colspan="2" style="width: 77px; height: 12.0pt; border: medium none; padding: 0in">
														<p class="Style" style="margin-left: 6.95pt">
														<span style="font-family: Arial">
														<font size="3">as scheduled 
														</font> </span>
														</td>
														<td style="width: 91px; height: 12.0pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: 10.55pt">
														<td width="30" style="width: 22.3pt; height: 10.55pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" style="margin-left: 4.55pt">
														<span style="font-family: Arial">
														<font size="3">% </font> </span></td>
														<td width="87" style="width: 65.5pt; height: 10.55pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="28" style="width: 20.9pt; height: 10.55pt; border: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="36" style="width: 27.1pt; height: 10.55pt; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="56" style="width: 42.25pt; height: 10.55pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="41" style="width: 30.95pt; height: 10.55pt; border: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="51" style="width: 38.2pt; height: 10.55pt; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 47px; height: 10.55pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 35px; height: 10.55pt; border: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="42" style="width: 31.65pt; height: 10.55pt; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 91px; height: 10.55pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: 14.6pt">
														<td width="30" style="width: 22.3pt; height: 14.6pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="87" style="width: 65.5pt; height: 14.6pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="120" colspan="3" style="width: 90.25pt; height: 14.6pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" style="margin-left: 5.5pt">
														<span style="font-family: Arial">
														<font size="3">US$/GH¢ 
														</font> </span></td>
														<td width="92" colspan="2" style="width: 69.15pt; height: 14.6pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" style="margin-left: 5.75pt">
														<span style="font-family: Arial">
														<font size="3">US$/GH¢ 
														</font> </span></td>
														<td style="width: 47px; height: 14.6pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td colspan="2" style="width: 77px; height: 14.6pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" style="margin-left: 6.95pt">
														<span style="font-family: Arial">
														<font size="3">US$/GH¢ 
														</font> </span></td>
														<td style="width: 91px; height: 14.6pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: 32.6pt">
														<td width="330" colspan="7" style="width: 247.2pt; height: 32.6pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" style="margin-left: 11.25pt">
														<span style="font-family: Arial">
														<font size="3">REQUIRED DEPOSIT 
														PAYMENTS: </font> </span></td>
														<td style="width: 48px; height: 32.6pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 35px; height: 32.6pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="42" style="width: 31.65pt; height: 32.6pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 91px; height: 32.6pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: 24.45pt">
														<td width="237" colspan="5" style="width: 178.05pt; height: 24.45pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" style="margin-left: 11.0pt">
														<span style="font-family: Arial">
														<font size="3">Your payment schedule 
														will be: </font> </span></td>
														<td width="41" style="width: 30.95pt; height: 24.45pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="51" style="width: 38.2pt; height: 24.45pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 48px; height: 24.45pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 35px; height: 24.45pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="42" style="width: 31.65pt; height: 24.45pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 91px; height: 24.45pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: 23.5pt">
														<td width="145" colspan="3" style="width: 108.7pt; height: 23.5pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: 3.35pt">
														<span style="font-family: Arial">
														<font size="3">Number of Payments
														</font>
														</span></td>
														<td width="185" colspan="4" style="width: 138.5pt; height: 23.5pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: 11.5pt">
														<span style="font-family: Arial">
														<font size="3">Amount of Payments
														</font>
														</span></td>
														<td colspan="4" style="width: 220px; height: 23.5pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" style="margin-left: 2.6pt">
														<span style="font-family: Arial">
														<font size="3">When Payments Due 
														</font> </span>
														</td>
													</tr>
													<tr style="height: 34.55pt">
														<td width="30" style="width: 22.3pt; height: 34.55pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">D </font> </span></td>
														<td width="411" colspan="9" style="width: 308.15pt; height: 34.55pt; border: medium none; padding: 0in">
														<p class="Style" style="margin-left: 12.95pt">
														<span style="font-family: Arial">
														<font size="3">DEMAND FEATURE: This 
														obligation has a demand 
														feature </font> </span></td>
														<td style="width: 91px; height: 34.55pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: 20.6pt">
														<td width="30" style="width: 22.3pt; height: 20.6pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">D </font> </span></td>
														<td colspan="10" style="width: 556px; height: 20.6pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-left: .2pt">
														<span style="font-family: Arial">
														<font size="3">VARIABLE RATE FEATURE: 
														This loan contains a 
														variable rate feature.
														</font>
														</span></td>
													</tr>
													<tr style="height: 19.2pt">
														<td width="30" style="width: 22.3pt; height: 19.2pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td colspan="7" style="width: 385px; height: 19.2pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">A variable rate 
														disclosure has been 
														provided earlier. </font> </span>
														</td>
														<td style="width: 35px; height: 19.2pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="42" style="width: 31.65pt; height: 19.2pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 91px; height: 19.2pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: .25in">
														<td width="441" colspan="10" style="width: 330.45pt; height: .25in; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" style="margin-left: 11.75pt">
														<span style="font-family: Arial">
														<font size="3">INSURANCE: The following 
														insurance is required to 
														obtain credit: </font> </span>
														</td>
														<td style="width: 91px; height: .25in; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
													<tr style="height: 14.6pt">
														<td width="30" style="width: 22.3pt; height: 14.6pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">D </font> </span></td>
														<td width="151" colspan="3" style="width: 113.5pt; height: 14.6pt; padding: 0in">
														<p class="Style" align="center" style="text-align: center; margin-left: .2pt">
														<span style="font-family: Arial">
														<font size="3">Credit life insurance
														</font>
														</span></td>
														<td width="149" colspan="3" style="width: 111.4pt; height: 14.6pt; padding: 0in">
														<p class="Style" style="margin-left: .1in">
														<span style="font-family: Arial">
														<font size="3">D Credit disability
														</font>
														</span></td>
														<td colspan="4" style="width: 220px; height: 14.6pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: medium none; padding: 0in">
														<p class="Style" style="margin-left: 2.6pt">
														<span style="font-family: Arial">
														<font size="3">D Property insurance
														</font>
														</span></td>
													</tr>
													<tr style="height: 16.8pt">
														<td width="30" style="width: 22.3pt; height: 16.8pt; border-left: 1.0pt solid windowtext; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="right" style="text-align: right; margin-right: .7pt">
														<span style="font-family: Arial">
														<font size="3">D </font> </span></td>
														<td width="208" colspan="4" style="width: 155.75pt; height: 16.8pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" style="margin-left: 13.2pt">
														<span style="font-family: Arial">
														<font size="3">Flood insurance 
														</font> </span>
														</td>
														<td width="41" style="width: 30.95pt; height: 16.8pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="51" style="width: 38.2pt; height: 16.8pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 48px; height: 16.8pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 35px; height: 16.8pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td width="42" style="width: 31.65pt; height: 16.8pt; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
														<td style="width: 91px; height: 16.8pt; border-left: medium none; border-right: 1.0pt solid windowtext; border-top: medium none; border-bottom: 1.0pt solid windowtext; padding: 0in">
														<p class="Style" align="center" style="text-align: center">
														<span style="font-family: Arial">
														<font size="3">&nbsp;</font></span></td>
													</tr>
												</table>
												<p class="Style" style="margin-left: 175.65pt; margin-right: 175.5pt">
												</div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: always">
&nbsp;</span><table border="1" width="100%" id="table2">
												<tr>
													<td>
												<span style="font-family: Arial">
												You may obtain the insurance 
												from anyone you want that is 
												acceptable to creditor. 
												If you purchase property flood 
												insurance from creditor you will 
												pay US$/GH¢ for a one year term. </span>
													</td>
												</tr>
												<tr>
													<td>&nbsp;<p>
													<span style="font-family: Arial">
													SECURITY: You are giving a 
													security interest in:</span></p>
													<p>
														<span style="font-family: Arial">
														<font size="3">D&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
														D</font></span></p>
													<p>
												<span style="font-family: Arial">
													The goods or property being 
													purchased&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
												Real property you already own
													</span></p>
													<p>
													<span style="font-family: Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
													<font size="3">D</font></span></td>
												</tr>
												<tr>
													<td>&nbsp;<p class="Style" style="margin-left: 12.25pt; margin-right: 29.05pt">
												<span style="font-family: Arial">
												FILING FEES: US$/GH¢</span></p>
													<p class="Style" style="margin-left: 12.25pt; margin-right: 29.05pt">
												<span style="font-family: Arial">
												&nbsp;<font size="3">D</font></span></p>
													<p class="Style" style="margin-left: 12.25pt; margin-right: 29.05pt">
												<span style="font-family: Arial">
												LATE CHARGE: Ifa payment is more 
												than [ ] days late, you will be 
												charged % </span></p>
													<p class="Style" style="margin-left: 12.25pt; margin-right: 29.05pt">
												<span style="font-family: Arial">
												PREPAYMENT: If you pay off 
												early, you </span></p>
												<p class="Style" style="margin-left: 13.2pt; margin-right: 92.65pt">
												<span style="font-family: Arial">
												will/will not have to pay a 
												penalty of [ ] </span></p>
												<p class="Style" style="margin-left: 13.2pt; margin-right: 69.15pt">
												<span style="font-family: Arial">
												o 
												may/may not be entitled to a 
												refund of part of the finance 
												charge. </span>
													</p>
													</td>
												</tr>
												<tr>
													<td>&nbsp;</td>
												</tr>
												</table>
												<div class="Section63">
												<p class="Style">
												<span style="font-family: Arial">
												&nbsp;</span></div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: auto">
&nbsp;</span><div class="Section64">
												<p class="Style" style="margin-left: 101.75pt; margin-right: 55.45pt">
												<span style="font-family: Arial">
												Date of <i>Gazette </i>
												notfication: 9th January, 2009.
												</span></p>
												<p class="Style" style="margin-left: 48.25pt">
												<span style="font-family: Arial">
												C;OVERNMENT PRINTER. ASSEMBlY 
												PRESS. ACCRA. <i>
												GPCI/A729/]]!200R </i></span>
												</div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: always">
&nbsp;</span><div class="Section138">
												<p class="Style">
												<span style="font-family: Arial">
												&nbsp;</span></div>
												<span style="font-size: 12.0pt; font-family: Arial">
												<br clear="all" style="page-break-before: auto">
&nbsp;</span></td>
                </tr>
              </tbody>
            </table>
        