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Page 1 CONFORMED COPY CREDIT NUMBER 3103 IN Development Credit Agreement (Andhra Pradesh Economic Restructuring Project) between INDIA and INTERNATIONAL DEVELOPMENT ASSOCIATION Dated February 4, 1999 CREDIT NUMBER 3103 IN DEVELOPMENT CREDIT AGREEMENT AGREEMENT, dated February 4, 1999, between INDIA, acting by its President (the Borrower) and INTERNATIONAL DEVELOPMENT ASSOCIATION (the Association); WHEREAS (A) the Association has received a letter dated May 14, 1998 from the State of Andhra Pradesh (Andhra Pradesh) describing a program of objectives, policies and actions designed to restructure the economy of Andhra Pradesh (hereinafter called the Program), and declaring Andhra Pradesh