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Page 1 CONFORMED COPY CREDIT NUMBER 3136-MAI Development Credit Agreement (Second Social Action Fund Project) between REPUBLIC OF MALAWI and INTERNATIONAL DEVELOPMENT ASSOCIATION Dated December 4, 1998 CREDIT NUMBER 3136-MAI DEVELOPMENT CREDIT AGREEMENT AGREEMENT, dated December 4, 1998, between REPUBLIC OF MALAWI (the Borrower) and INTERNATIONAL DEVELOPMENT ASSOCIATION (the Association). WHEREAS (A) the Borrower, having satisfied itself as to the feasibility and priority of the Project described in Schedule 2 to this Agreement, has requested the Association to assist in the financing of the Project; (B) the Association has received the Borrower