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Page 1 CONFORMED COPY LOAN NUMBER 4465-MOR Loan Agreement (Telecommunications, Post and Information Technology Sector Adjustment Loan) between KINGDOM OF MOROCCO and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT Dated May 12, 1999 LOAN NUMBER 4465-MOR LOAN AGREEMENT AGREEMENT, dated May 12, 1999, between the KINGDOM OF MOROCCO (the Borrower) and the INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT (the Bank). WHEREAS (A) the Bank has received a letter dated November 16, 1998 from the Borrower describing a program of actions, objectives and policies designed to achieve adjustment of the Borrower