& OFF-CIAL DOCUMENTS 国日国国日国国日日日日日日日日日日日日日国日国国日日日国日日日日国日国日日日日国日日日■■■国日日日日日日日日国日国国日国国日国日日日日日日日日日日日日日日国日日日日日日ー■日国国国日日日日日日日日日日日日日国日国国日日日日日日日日日日日日日国日日日国日日国国日■■国国国国国国日■ 国日国国国国国国日日日国日日日国日日日日国日日国国日日国国国国国国国■国国国日国日国国国国■国国■国■日国日日日日日日日日日日日日日日日日日日日日日日日日日日日日日日日国国日国国国日国国日日日日日国日国日日日日日日日日日日日国日日日国日国国国国国国日国日国日日日国日園国日国日国日 CREDIT NUMBER 6300-GH Financing Agreemcnt (Tourism Development Project) between REPUBLIC OF GHANA snd INTERNATIONAL DEVELOPMENT ASSOCIATION 園日日日日日日国国国日日日日日日日日国国園国日日日国国国国国国国日日日日日国国日日国日日日日日国国国園日日日日国園国日国国国国国国■国日 CREDIT NUMBER 6300-GH FINANCING AGREEMENT AGREEMENT dated as of the Signature Date between REPUBLIC OF GHANA ("Recipient") and INTERNATIONAL DEVELOPMENT ASSOCIATION ("Association"). The Recipient and the Association hereby agree as follows: ARTICLE I - GENERAL CONDITIONS; DEFINITIONS 1.01. The General Conditions (as defined in the Appendix to this Agreement) apply to and form part of this Agreement. 1.02. Unless the context requires otherwise, the capitalized terins used in this Agreement have the meanings ascribed to them in the General Conditions or in the Appendix to this Agreement. ARTICLE 11 - FINANCING 2.01. The Association agrees to extend to the Recipient a credit, deemed by the Association to be on concessional terms, as set forth or referred to in this Agreement, in the amount of twenty-seven million nine hundred thousand Special Drawing Rights (SDR 27,900,000) to assist in financing the project described in Schedule I to this Agreement ("Project"). 2.02. The Recipient may withdraw the proceeds of the Credit in accordance with Section III of Schedule 2 to this Agreement. 2.03. The Maximum Commitment Charge Rate payable by the Recipient on the Unwithdrawn Financing Balance shall be one-half of one percent (1/2 of 1%) per annum. 2.04. The Service Charge payable by the Recipient on the Withdrawn Credit Balance shall be equal to three-fourths of one percent (33/4 of I%) per annum. 2.05. The Payment Dates are April I and October I in each year. 2.06. The Interest Charge is one and a quarter percent (1.25%) per annum on the Withdrawn Credit Balance. -2- 2.07. The principal amount of the Credit shall be repaid in accordance with Schedule 3 to this Agreement. 2.08. The Payment Currency is Dollar. ARTICLE III - PROJECT 3.01. The Recipient declares its commitment to the objective of the Project. To this end, the Recipient shall carry out the Project through its Ministry of Tourism, Arts and Culture in accordance with the provisions of Article V of the General Conditions and Schedule 2 to this Agreement. ARTICLE IV- EFFECTIVENESS; TERMINATION 4.01. The Additional Condition of Effectiveness consist of the following: (a) The Recipient through MoTAC shall establish a Project Coordination Unit with staffing and resources satisfactory to the Association. (b) The Recipient has prepared a Project Implementation Manual (PIM) in form and substance satisfactory to the Association. 4.02. The Effectiveness Deadline is the date ninety (90) days after the Signature Date. 4.03. For purposes of Section 10.05 (b) of the General Conditions, the date on which the obligations of the Recipient under this Agreement (other than those providing for payment obligations) shall terminate is twenty years after the Signature Date. -3 - ARTICLE V - REPRESENTATIVE; ADDRESSES 5.01. The Recipient's Representative is its Minister for Finance. 5.02. For purposes of Section 11.01 of the General Conditions: the Recipient's address is: (a) Ministry of Finance P.O. Box MB40 Accra, Ghana and (b) the Recipient's Electronic Address is: Email: chiefdirector@mofep.gov.gh 5.03. For purposes of Section 11.01 of the General Conditions: the Association's address is: (a) International Development Association 1818 H Street, N.W. Washington, D.C. 20433 United States of America; and (b) the Association's Electronic Address is: Telex: Facsimile: 248423 (MCI) 1-202-477-6391 -4- AGREED as of the Signature Date. REPUBLIC OF GHANA By Auth rized Representative Name: N Tij Of;Pi - PT Title: A;YMP4c C MIt Date: - !PA2 INTERNATIONAL DEVELOPMENT ASSOCIATION By Authorized Representative Name:-kl ke C Title: c0jPA-" bleavllU Date: f bA 6 -5- SCHEDULE1 Project Description The objective of the Project is to improve the performance of tourism in targeted destinations in the Recipient's territory. The Project consists of the following parts: Part A: Strengtheninp Tourism Enabling Environment 1. Promote tourism skills development by upgrading an existing or establishing a high-quality sustainable tourism and hospitality training center, and developing and implementing the necessary curriculum, standards, assessments, accreditation processes and training of a cohort of teachers to deliver quality training. 2. Supporting the Recipient's aviation promotion and visa policy reform by: (a) providing technical assistance to: (i) Ministry of Aviation to attract domestic and international air operators; and (ii) implementing identified aviation reforms; and (b) reviewing the existing entry-visa policy and systems and the revenues generated from visa sales, and investigating the best practices such as e-visa platform, training of immigration officials and streamlining procedures with a view to reducing costs. 3. Carry out activities to promote the Recipient's territory as a tourism destination including developing and implementing a tourism strategy and marketing plan, and a forward looking digital marketing strategy which will involve upgrading the existing online platforms using search engine optimization, digital and web analytics, content creation strategies, optimization of social media accounts and training relevant staff. Part B: Developing Tourism Sites and Destinations 1. Promote the identification and upgrading of the most promising tourism destination areas by: (a) developing detailed destination and management plans for at least five public-owned destination areas selected based on agreed criteria; and -6- (b) establish a tourism site upgrade program by: (i) carrying out activities in selected public owned sites to provide quality upgrades, make them safe, accessible and attractive for investments; and provision of training on the maintenance of these areas and on marketing strategies; and (ii) provide Matching Grants to eligible beneficiaries to implement activities for upgrading non-publicly-owned sites Part C: Tourism Enterprise Support Program 1. Providing technical support on tourism to SMEs by: (a) mentoring and training them on preparation of business plans/proposals on tourism related businesses; (b) carrying out competition among SMEs/enterprises on the best tourism related business plans; and (c) selecting and providing a one-time Grant, technical advice and mentoring to SMEs to launch their proposed businesses. 2. Providing Matching Grants to SMEs with viable businesses and well-developed business plans on tourism related businesses. 3. Providing technical advisory services to SMEs with new business ideas and less- well developed business plans including: (a) business advisory and mentoring services; (b) technical skills development; (c) expanded access to finance options for leisure tourism businesses; (d) women's entrepreneurship; (e) access to market and market linkages; and (f) commercialization program for cultural institutes and co-ops involved in the production of cultural merchandise. Part D: Project Management and Institutional Strengthening 1 . Carrying out activities to strengthen MoTAC's capacity to manage and coordinate the project including: (a) developing a three (3) year strategic action plan; (b) providing training and technical advisory services to MoTAC's staff on tourism policy and planning, fiduciary aspects, environmental and social safeguards management, and monitoring and evaluation; and (c) financing of its Operating Costs. 2. Conducting a capacity assessment study on MoTAC, its departments and agencies and other public entities which support MoTAC such as the Ghana Immigration Service, Ministry of Foreign Affairs and Regional Integration, Ministry of Aviation and the Forestry Commission, and providing them with the relevant training. 3. Providing technical assistance for improving: (a) the existing statistical and information systems; and (b) GTA tourism satellite account process including the collection of baseline information on visitor demographics for project monitoring. -7- SCHEDULE2 Project Execution Section I. Implementation Arran2ements A. Institutional Arrangements. 1. MoTAC (a) The MoTAC, with assistance from the Participating Agencies shall have overall responsibility for implementation. (b) The Recipient shall ensure that throughout project implementation, MoTAC has adequate resources and staff with experience satisfactory to the Association. 2. National Steering Committee ("NSC") (a) Without limitation upon the provisions of paragraph I of this Section I.A, the Recipient shall no later than three (3) months after the Effectiveness Date establish and thereafter maintain throughout Project implementation, a National Steering Committee ("NSC") with a composition, mandate, terms of reference and resources satisfactory to the Association. The NSC shall be chaired by the Minister of MoTAC or a designated representative, and shall include, inter alia, representative of MoFARI, MoF, Mol, MoA, MoLNR, MoTI and at least two representatives from the financial sector and private sector. (b) The Recipient shall ensure that: (i) all NSC participants enter into a Memorandum of Understanding with MoTAC committing to participating on the NSC; (ii) NSC meet at least twice a year; and is responsible for: (A) facilitating project execution by providing strategic advice, and overseeing project progress; (B) ensuring that MoTAC sets up and provides the required support to assure a fully functioning Project Coordination Unit (PCU) within MoTAC; (C) ensuring proper and professional management of the Matching Grants; and (D) clearance of the annual work program; and, (iii) ensuring that the necessary structures are in place to assure that all the appropriate safeguards requirements are strictly adhered to. -8- 3. Project Technical Committee. (a) The Recipient through MoTAC shall not later than three (3) months from the Effectiveness Date, establish and thereafter maintain throughout project implementation, a Project technical committee (Project Technical Committee or PTC) comprising of the Participating Agencies and chaired by the Chief Director, responsible for resolution of technical and implementation challenges. (b) The Recipient through MoTAC shall ensure that the PTC meets at least quarterly and has adequate resources, adequate staffing with skills and experience and under terms of reference satisfactory to the Association. 4. Project Coordination Unit (PCU) (a) Without limitation upon the provisions of paragraphs 1, 2 and 3 of this Section LA, the Recipient shall establish and thereafter maintain, at all times during the implementation of the Project, a Project Coordination Unit (PCU), with functions, staffing and resources satisfactory to the Association for ensuring prompt and efficient overall coordination, day to day implementation of, and communication relating to Project activities and results. To this end, the Recipient shall appoint staff (including, inter alia, a Project coordinator, safeguards specialists, a procurement expert, a communications specialist, a finance/accounting expert and a monitoring and evaluation specialist all with qualifications, experience and terms of reference satisfactory to the Association. (b) The PCU shall be responsible for: (i) ensuring compliance with environmental and social safeguards; (ii) preparing the proposed annual work plans and budgets for onward transmission to the NSC; (iii) organizing the NSC meetings; (iv) consolidating periodic progress reports for onward submission to the NSC; (v) monitoring and evaluation of Project activities; (vi) liaising with the Participating Agencies on their relevant technical aspects of their activities of Project implementation in accordance with the PIM; (vii) providing all necessary information on project performance and monitoring to the NSC and the Association; and (viii) developing and implementing the overall project communication policy, in addition to assisting with the implementation of all MoTAC assigned activities under the Project. -9- B. Implementation Arrangements 1. Project Implementation Manual (PIM) (a) The Recipient shall prepare, in accordance with terms of reference acceptable to the Association, a PIM providing details of arrangements and procedures for the implementation of the Project, including: (i) detailed project arrangements on the activities to be carried out by the Participating Agencies; (ii) capacity building activities for sustained achievement of the Project's objectives; (iii) institutional administration, coordination and day to day execution of Project activities; (iv) monitoring and evaluation, reporting, information, education and communication of Project activities; and (v) such other technical and organizational arrangements and procedures as shall be required for the Project, including: (A) procurement management; and (B) financial management, with the detailed policies and procedures for financial management and disbursement under the Project. (b) The Recipient shall afford the Association a reasonable opportunity to exchange views with the Recipient on said PIM, and thereafter, shall adopt such PIM, as shall have been approved by the Association. (c) The Recipient shall ensure that the Project is carried out in accordance with the PIM; provided, however, that in case of any conflict between the provisions of the PIM and the provisions of this Agreement, the provisions of this Agreement shall prevail. (d) The Recipient shall not amend, abrogate or waive any provision of the PIM without the Association's prior written agreement, and in case of any inconsistency between the PIM and the provisions of this Agreement, the provisions of this Agreement shall prevail. 2. Subprojects 1. In implementing Parts B.1 (b) (ii) and C.2 of the Project, the Recipient through MoTAC shall: (a) make Matching Grants to either a private sector entity/enterprise or an SME selected in accordance with detailed criteria set forth in the Matching Grants Manual, including the requirement for the private sector to upgrade selected tourism sites and for SMEs to implement their selected business plans on tourism related businesses (Subprojects); - 10- (b) enter into an agreement (Grant Agreement) with an eligible private sector entity or SME on terms and conditions acceptable to the Association, which shall include the following: (i) Each Matching Grant shall finance the Subproject selected in accordance with criteria in the Matching Grants Manual. (ii) The Recipient through MoTAC shall obtain rights adequate to protect its interests and those of the Association, including the right to: (A) suspend or terminate the right of the corresponding private sector entity or SME to use the proceeds of the Matching Grant, or obtain a refund of all or any part of the amount of the Matching Grant upon the private sector entity or SME's failure to perform any of its obligations under the respective Grant Agreement; (B) require either the private sector entity to make: (1) an in- kind contribution as defined in the Grants Manual or a financial contribution of a minimum of (25%) of the Subproject costs; (2) carry out the Subprojects with due diligence and efficiency and in accordance with sound technical, economic, financial, managerial, environmental and social standards and practices satisfactory to the Association, including in accordance with the provisions of the Anti-Corruption Guidelines applicable to recipients of loan proceeds other than the Recipient; (3) provide, promptly as needed, the resources required for the purpose; (4) procure the goods, works and services for the implementation of the Sub-projects and, to be financed by the Matching Grant in accordance with the Matching Grants Manual and the provisions of this Agreement; (C) maintain policies and procedures adequate to enable it to monitor and evaluate in accordance with indicators acceptable to the Association, the progress on implementing the Subprojects and the achievement of their objectives; (D) maintain a financial management system and prepare financial statements in accordance with consistently applied accounting standards acceptable to the Association, both in a manner adequate to reflect the operations, resources and expenditures related to the Subprojects implementation; (E) at the Association's or the Recipient's request, have such financial statements audited by independent auditors acceptable to the Association, in accordance with consistently applied auditing standards acceptable to the Association, and promptly furnish the statements as so audited to the Recipient and the Association; (F) enable the Association to inspect the Subprojects, its operation and any relevant records and documents; and (G) prepare and furnish to the Association, all such information as the Association shall reasonably request relating to the foregoing. 2. The Recipient shall exercise its rights and carry out its obligations under each Grant Agreement in such manner as to protect its interests and the Association and to accomplish the purposes of the Financing. Except as the Association shall otherwise agree, the Recipient shall not assign, amend, abrogate, terminate, waive or fail to enforce any Grant Agreement or any of its provisions, and in case of any inconsistency between the provisions of the Grant Agreement and this Agreement, the provisions of this Agreement shall prevail. 3. Annual Work Plan and Budget (a) The Recipient shall prepare and furnish to the Association not later than November 30 of each Fiscal Year during the implementation of the Project, a work plan and budget containing all activities proposed to be included in the Project during the following Fiscal Year (including Safeguard Frameworks and Safeguard Instruments required for said activities prepared in accordance with the provisions of Section I.D of this Schedule 2), and a proposed financing plan for expenditures required for such activities, setting forth the proposed amounts and sources of financing. (b) Each such proposed work plan and budget shall specify any training activities that may be required under the Project, including: (i) the type of training; (ii) the purpose of the training; (iii) the personnel to be trained; (iv) the institution or individual who will conduct the training; (v) the location and duration of the training; and (vi) the cost of the training. - 12 - (c) The Recipient shall afford the Association a reasonable opportunity to exchange views with the Recipient on each such proposed work plan and budget and shall thereafter ensure that the Project is implemented with due diligence during said following Fiscal Year in accordance with such work plan and budget as shall have been approved by the Association ("Annual Work Plan and Budget"). (d) The Recipient shall not make or allow to be made any change to the approved Annual Work Plan and Budget without prior approval in writing by the Association. D. Safeguards. 1. The Recipient shall carry out the Project in accordance with the Safeguard Instruments including the ESMF and RPF. 2. To ensure compliance with the respective Safeguard Instruments, the Recipient shall take the following measures: (a) if any activities included in a proposed Annual Work Plan and Budget would, pursuant to the ESMF, require the carrying out of an ESIA, no such activities shall be implemented unless: (i) an ESIA for such activities has been: (A) prepared, in accordance with the ESMF and furnished to the Association as part of the Annual Work Plan and Budget; (B) disclosed locally as required by the ESMF; and (C) approved by the Association and publicly disclosed; and (ii) if said ESIA would require the preparation of an ESMP, such ESMP has been: (A) prepared in accordance with such ESIA and furnished to the Association as part of the Annual Work Plan and Budget; (B) disclosed locally as required by the ESMF; and (C) approved by the Association and publicly disclosed. (b) If any activities included in a proposed Annual Work Plan and Budget would, pursuant to the RPF, require the preparation of a RAP, no such activities shall be implemented unless and until: (i) a RAP for such activities has been: (A) prepared in accordance with the requirements of the RPF and furnished to the Association as part of the proposed Annual Work Plan and Budget; (B) disclosed locally as required by the RPF; and (C) approved by the Association and publicly disclosed; and - 13 - (ii) (A) all measures required to be taken under said RAP prior to the initiation of said activities have been taken, including, without limitation to the above, providing funds for resettlement compensation when and if required under a RAP; (B) a report, in form and substance satisfactory to the Association, on the status of compliance with the requirements of said RAP has been prepared and furnished to the Association; and (C) the Association has confirmed that said activities may be commenced. (c) The Recipient shall ensure that the relevant provisions of the ESIA, ESMP or RAP are appropriately included in each Grant Agreement and that they are implemented in the carrying out of all activities under the Project. 3. (a) Without limitation upon its other reporting obligations under this Agreement, the Recipient shall regularly collect, compile and submit to the Association, in form and substance satisfactory to the Association, bi- annual reports on the status of compliance with the Safeguard Instruments, giving details of: (i) measures taken in furtherance of such Safeguard Instruments; (ii) conditions, if any, which interfere or threaten to interfere with the smooth implementation of such Safeguard Instruments; and (iii) remedial measures taken or required to be taken to address such conditions. (b) The Recipient shall afford the Association a reasonable opportunity to review and exchange views with the Recipient on the reports prepared under paragraph (a) immediately above, and thereafter, shall carry out, or cause to be carried out, with due diligence, all remedial measures agreed with the Association to ensure the proper implementation of the Project in accordance with the Safeguard Instruments. 4. The Recipient shall ensure that: (a) no activities involving the use of land shall be carried out prior to the screening of the legal status of the land in form and substance acceptable to the Association; and (b) no activities shall be carried out involving land, for which there is legal uncertainty over ownership and use rights. 5. The Recipient shall not amend, suspend, abrogate or waive, or permit to be amended, suspended, abrogated or waived, the ESMF or RPF, or any provision thereof without the prior written approval of the Association. - 14- E. Midterm Review The Recipient shall: (a) carry out jointly with the Association, not later than 30 months after the Effective Date, or such other date as may be agreed with the Association, after the Effective Date, a midterm review to assess the status of project implementation. Such review shall include an assessment of the following: (i) overall progress in implementation; (ii) results of monitoring and evaluation activities; (iii) progress on procurement and disbursement; (iv) implementation arrangements; and (v) the need to make any adjustments to the operation and reallocate funds to improve performance; (b) to this end, prepare and furnish to the Association, no later than one (1) month before such review, a report, in scope and detail satisfactory to the Association and integrating the results of the monitoring and evaluation, on the progress achieved in the carrying out of the project during the period preceding the date of such report and setting out the measures recommended to ensure the efficient carrying out of the project and the achievement of the objectives thereof during the period following such date; and (c) thereafter take all measures required to ensure the efficient completion of the project and the achievement of the objectives thereof, based on the conclusions and recommendations of such report and the Association's views on the matter. Section II. Project Monitoring, Reporting and Evaluation The Recipient shall furnish to the Association each Project Report not later than one month after the end of each quarter, covering the quarter. Section III. Withdrawal of the Proceeds of the Credit A. General Without limitation upon the provisions of Article II of the General Conditions and in accordance with the Disbursement and Financial Information Letter, the Recipient may withdraw the proceeds of the Credit to: (a) finance Eligible Expenditures; (b) repay the Preparation Advance in the amount allocated and, if applicable, up to the percentage set forth against each Category in the following table: -15- Category Amount of the Percentage of Expenditures Credit Allocated to be Financed (expressed in (SDR) (inclusive of Taxes) (1) Goods, works, non- 19,500,000 100% consulting services, and consulting services, Training and Operating Costs (2) Matching Grants under 6,300,000 100% of amounts disbursed Parts B.1(b)(ii) and C.2 of the Project (3) Refund of Preparation 2,100,000 Amount payable pursuant to Advance Section 2.07 (a) of the General Conditions TOTAL AMOUNT 27,900,000 B. Withdrawal Conditions; Withdrawal Period 1 . Notwithstanding the provisions of Part A above, no withdrawal shall be made: (a) for payments made prior to the Signature Date except that withdrawals up to an aggregate amount not to exceed SDR 700,000 may be made for payments made prior to this date but on or after September 1, 2018. (b) under Category 2 unless the Recipient has submitted to the Association, a Matching Grants Manual satisfactory to the Association. 2. The Closing Date is September 30, 2023. Section IV. Other Undertakines A. Escrow Account 1. Except as the Recipient and the Association shall otherwise agree, the Recipient through MoTAC shall: (a) not later than six (6) months from the Signature Date open an account in Ghana Cedis ("Escrow Account") for the Project, in the Bank of Ghana on terms and conditions satisfactory to the Association; - 16 - (b) deposit into said Escrow Account: (i) an initial amount equivalent to a hundred thousand Dollars ($100,000); and (ii) thereafter, deposit on annual basis throughout Project implementation an amount equivalent to a hundred thousand Dollars ($100,000); and (c) ensure that funds deposited into the Escrow Account in accordance with paragraph (b) of this Section shall be used exclusively to finance expenditures in connection with potential Resettlement Compensation which might arise as a result of implementing the civil works under Part B. I (b) of the Project. 2. Notwithstanding the provision of paragraph I above, should the amount required for Resettlement Compensation exceed the amount set aside in the Escrow Account, the Recipient shall ensure that the outstanding amount of said compensation is made available. -17- SCHEDULE 3 Repayment Schedule Principal Amount of the Credit repayable Date Payment Due (expressed as a percentage)* On each April 1 and October 1 Commencing October 1, 2023 to and 1.65% including April 1, 2043 October 1, 2043 to and including 3.4% April 1, 2048 * The percentages represent the percentage of the principal amount of the Credit to be repaid, except as the Association may otherwise specify pursuant to Section 3.03 (b) of the General Conditions APPENDIX Section I. Definitions 1. "Affected Person" means a person or entity who, on account of the execution of the Project and/or Subprojects, has experienced or would experience direct economic and social impacts caused by: (i) the involuntary taking of land resulting in: (A) relocation or loss of shelter; (B) loss of assets or access to assets; or (C) loss of income sources or means of livelihood, whether or not such person must move to another location; or (ii) the involuntary restriction of access to legally designated parks and protected areas, resulting in adverse impacts on the livelihood of such person; and, "Affected Persons", means more than one such Affected Person. 2. "Anti-Corruption Guidelines" means, for purposes of paragraph 5 of the Appendix to the General Conditions, the "Guidelines on Preventing and Combating Fraud and Corruption in Projects Financed by IBRD Loans and IDA Credits and Grants", dated October 15, 2006 and revised in January 2011 and as of July 1, 2016. 3. "Category" means a category set forth in the table in Section III.A of Schedule 2 to this Agreement. 4. "Escrow Account" means the account referred to in Section IV.A of Schedule 2 to this Agreement. 5. "ESIA" means, for a given activity included in the Project, the environmental and social impact assessment for said activity to be carried out in accordance with the ESMF and pursuant to provisions of Section I.D of Schedule 2 to this Agreement. 6. "ESMF" means the environmental and social management framework dated May 2018, adopted by the Recipient, and disclosed in the Recipient's territory on May 11, 2018 and in the Association's Infoshop on May 14, 2018, which outlines general implementation procedures, mitigation measures and monitoring procedures for environmental and social purposes under the Project, as said framework may be amended from time to time with the Association's prior written approval. 7. "ESMP" means an environmental and social management plan for the Project to be prepared and implemented in accordance with the ESMF and pursuant to the provisions of Section I.D of Schedule 2 to this Agreement. 8. "Fiscal Year" means the Recipient's calendar year of January I and ending December 31. 19 9. "Forestry Commission" means the Recipient's agency under Ministry of Lands and Natural Resources, established and operating under the Forestry Commission Act 1999 (Act 571) or its successor. 10. "General Conditions" means the "International Development Association General Conditions for IDA Financing, Investment Project Financing", dated July 14, 2017, (with the modifications set forth in Section II of this Appendix). 11. "Ghana Immigration Service" means the Recipient's agency under the Ministry of Interior responsible for the effective implementation of laws and regulations pertaining to immigration, established and operating pursuant to Immigration Services Law, 1989 (PNDCL 226) and governed by the Immigration Act 200 (Act 573) or its successor. 12. "Ghana Museums and Monuments Board" means the Recipient's agency under MoTAC responsible for the preservation of Ghana's material and cultural heritage, established by the National Museum Decree, 1969 (NLCD 387) or its successor. 13. "Ghana Tourism Authority" or "GTA" means the Recipient's agency established by Tourism Act 2011 (Act 817) as the main implementing body of the MoTAC or its successor. 14. "Ghana Tourism Development Company" means the Recipient's Private Limited Liability Company responsible for tourism infrastructural development, incorporated under the Companies Act, 1963 (Act 179) or its successor. 15. "Matching Grant" means the financial contribution provided by the Recipient to eligible SMEs and private sector entities on a cost-sharing basis under Parts B. 1 (c) and C.2 of the Project. 16. "Matching Grants Manual" means the manual to be developed by the Recipient, satisfactory to the Association setting forth the policies and procedures that apply to the carrying out of Parts B.1 (b) (ii) and C.2 of the Project, as such manual may be amended from time to time with the prior written approval of the Association. 17. "Memorandum of Understanding" means an agreement between MoTAC and the NSC Members, outlining obligations of MoTAC's and NSC members' with respect to the implementation of the Project. 18. "MoA" means the Recipient's Ministry of Aviation or its successor. 19. "MoF" means the Recipient's Ministry of Finance or its successor. 20. "MoFARI" means the Recipient's Ministry of Foreign Affairs and Regional Integration or its successor. 20 21. "Mol' means the Recipient's Ministry of The Interior or its successor. 22. "MoLNR" means the Recipient Ministry of Lands and Natural Resources of its successor. 23. "MoTAC" means the Recipient's Ministry of Tourism, Arts and Culture or its successor. 24. "MoTI" means the Recipient's Ministry of Trade and Industry or its successor. 25. "National Board for Small Scale Industries" means the Recipient's apex body for the promotion and development of the micro and small enterprises sector, established and operating pursuant to the National Board for Small-Scale Industries Act, 1981 (Act 434) or its successor. 26. "National Steering Committee" or "NSC" means the committee referred to in Section I A2 of Schedule 2 to this Agreement. 27. "Operating Costs" means the incremental expenses incurred on account of Project implementation, based on the Annual Work Plans and Budgets approved by the Association pursuant to Section I.B.3 of Schedule 2 to this Agreement, including office equipment and supplies, office rental space, non-contractual staff, vehicle operation and maintenance, communication costs, office administration costs, utilities, travel and per diem, excluding the salaries of the Recipient's civil servants. 28. "Participating Agencies" means the following Recipient's agencies, namely, Ghana Tourism Authority, Ghana Tourism Development Company, National Board for Small Scale Industries, Forestry Commission and Ghana Museums and Monuments Board. 29. "Preparation Advance" means the advance referred to in Section 2.07 (a) of the General Conditions, granted by the Association to the Recipient pursuant to the letter agreement signed on behalf of the Association on March 8, 2018, and on behalf of the Recipient on April 2, 2018. 30. "Procurement Regulations" means, for purposes of paragraph 87 of the Appendix to the General Conditions, the "World Bank Procurement Regulations for IPF Borrowers", dated July 2016, revised November 2017. 31. "Project Technical Committee" means the committee as described in Schedule LA 3(a) of Schedule 2 to this Agreement, comprising of the Participating Agencies and chaired by the Chief Director, responsible for resolution of technical and implementation challenges. 21 32. "Resettlement Action Plan" or "RAP" means the instrument to be prepared and adopted by the Recipient, satisfactory to the Association, and disclosed on the Association's website, which includes the principles, procedures, organizational arrangements and budget to implement the resettlement related activities under the Project, or under Parts of the Project, as said resettlement action plan may be revised from time to time with the prior written agreement of the Association; and "RAPs" means, collectively, all such RAP. 33. "Resettlement Compensation" means the expenditures incurred in financing the cost of compensating Affected Persons. 34. "RPF" means the Recipient's Resettlement Policy Framework dated May 11, 2018 prepared and adopted by the Recipient, satisfactory to the Association and disclosed on the Association's website on May 14, 2018, which sets out the resettlement principles, organizational arrangements (including consultation and budget), and design criteria to be applied to resettlement related Project and activities to be prepared during Project implementation, as such framework may be amended from time to time with the prior written agreement of the Association, as the same may be amended from time to time with the prior written approval of the Association. 35. "Safeguard Instruments" means, collectively, the ESMF and RPF, ESIA, ESMP and RAP and "Safeguard Instrument" means any of such Safeguard Instruments. 36. "Signature Date" means the later of the two dates on which the Recipient and the Association signed this Agreement and such definition applies to all references to "the date of the Financing Agreement" in the General Conditions. 37. "SMEs" means Small and Medium Enterprises. 38. "Training" means the cost associated with the training and workshops, based on the Annual Work Plans and Budgets approved by the Association pursuant to Section I.B.3 of Schedule 2 to this Agreement, for reasonable expenditures (other than expenditures for consultants' services), including: (i) travel, room, board and per diem expenditures incurred by trainers and trainees in connection with their training and by non-consultant training facilitators; (ii) course fees; (iii) training facility rentals; (iv) training material preparation, acquisiti6n, reproduction and distribution expenses; and (v) other costs directly related to training preparation and implementation.