Information on the World Bank's lending rates, loan charges and current financial products can be found on the World Bank Finances site as part of the IBRD Statement of Loans. Terms and rates of each loan vary according to country eligibility and timing of the loan agreement. Annex D of the Operational Policy 3.10 provides the World Bank's operational classification of countries based on their Gross National Income (GNI) per capita and their eligible terms. For financial terms and conditions of IBRD loans, IBRD hedging products, and IDA credits consult the World Bank Operational Policy.