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Page 1 CONFORMED COPY CREDIT NUMBER 3146-MAI Development Credit Agreement (Second Fiscal Restructuring and Deregulation Credit) between REPUBLIC OF MALAWI and INTERNATIONAL DEVELOPMENT ASSOCIATION Dated December 4, 1998 CREDIT NUMBER 3146-MAI DEVELOPMENT CREDIT AGREEMENT AGREEMENT, dated December 4, 1998, between REPUBLIC OF MALAWI (the Borrower) and INTERNATIONAL DEVELOPMENT ASSOCIATION (the Association). WHEREAS (A) the Association has received a letter (Letter of Policy), dated November 3, 1998, from the Borrower describing a program of actions, objectives and policies designed to achieve structural adjustment of the Borrower