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(1) The Scheme shall apply in the first instance only to public servants whose salaries are paid directly by the Controller and Accountant-General.

(2) The Commissioner may by executive instrument, and with the prior approval of the National Redemption Council, extend the Scheme to employees in any other part of the public service and may by such instrument make such modifications to the provisions of this Decree, in its application to such employees as may be necessary having regards to the circumstances of that part of the public service.

(3) Subject to the provisions of this Decree, a public servant who has completed his period of probation is eligible to apply in such manner as may be prescribed by regulations made under section 25 of this Decree, to the Board established under section 6 of this Decree for a loan for the purpose specified in section 5 of this Decree.

(4) The Scheme shall only apply to citizens of Ghana.