LOAN NUMBER 9484-IN DATE:12/07/2023 Loan Agreement (Odisha State Capability and Resilient Growth Program) between INDIA and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT -1- LOAN AGREEMENT AGREEMENT dated as of the Signature Date between INDIA (“Borrower”) and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT (“Bank”). The Borrower and the Bank hereby agree as follows: ARTICLE I — GENERAL CONDITIONS; DEFINITIONS 1.01. The General Conditions (as defined in the Appendix to this Agreement) apply to and form part of this Agreement. 1.02. Unless the context requires otherwise, the capitalized terms used in this Agreement have the meanings ascribed to them in the General Conditions or in the Appendix to this Agreement. ARTICLE II — LOAN 2.01. The Bank agrees to lend to the Borrower the amount of one hundred million Dollars ($ 100,000,000), as such amount may be converted from time to time through a Currency Conversion (“Loan”), to assist in financing the program described in Schedule 1 to this Agreement (“Program”). 2.02. The Borrower may withdraw the proceeds of the Loan in accordance with Section IV of Schedule 2 to this Agreement. All withdrawals from the Loan Account shall be deposited by the Bank into an account specified by the Borrower and acceptable to the Bank. 2.03. The Front-end Fee is one quarter of one percent (0.25%) of the Loan amount. 2.04. The Commitment Charge is one quarter of one percent (0.25%) per annum on the Unwithdrawn Loan Balance. 2.05. The interest rate is the Reference Rate plus the Variable Spread; or such rate as may apply following a Conversion; subject to Section 3.02(e) of the General Conditions. 2.06. The Payment Dates are March15 and September15 in each year. 2.07. The principal amount of the Loan shall be repaid in accordance with Schedule 3 to this Agreement. ARTICLE III — PROGRAM 3.01. The Borrower declares its commitment to the objective of the Program. To this end, the Borrower shall cause the Program to be carried out by the Program Implementing Entity in accordance with the provisions of Article V of the General Conditions, Schedule 2 to this Agreement and the Program Agreement. -2- ARTICLE IV — EFFECTIVENESS; TERMINATION 4.01. The Effectiveness Deadline is the date ninety (90) days after the Signature Date. ARTICLE V — REPRESENTATIVE; ADDRESSES 5.01. The Borrower’s Representative is any of the following officials acting severally: the Secretary, Additional Secretary, Joint Secretary, Director, Deputy Secretary, or Under Secretary of the Department of Economic Affairs of the Borrower’s Ministry of Finance. 5.02. For purposes of Section 10.01 of the General Conditions: (a) the Borrower’s address is: Secretary, Department of Economic Affairs Ministry of Finance Government of India North Block, New Delhi 110 001, India; and (b) the Borrower’s Electronic Address is: Facsimile: E-mail: +91-11-23094075 email@example.com 5.03. For purposes of Section 10.01 of the General Conditions: (a) the Bank’s address is: International Bank for Reconstruction and Development 1818 H Street, N.W. Washington, D.C. 20433 United States of America; and (b) the Bank’s Electronic Address is: Telex: Facsimile: E-mail: 248423(MCI) or 1-202-477-6391 firstname.lastname@example.org 64145(MCI) -3- AGREED as of the Signature Date. INDIA By _____________________________________/s1/ Authorized Representative K. Manicka Raj Name: __________________________/n1/ Joint Secretary, FB&ADB Title: __________________________/t1/ 14-Jul-2023 Date: __________________________/d1/ INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT By _____________________________________/s1/ Authorized Representative Auguste Tano Kouame Name: __________________________/n1/ Country Director Title: __________________________/t1/ 12-Jul-2023 Date: __________________________/d1/ -4- SCHEDULE 1 Program Description The objective of the Program is to protect poor and vulnerable households from the impact of economic and climate shocks in Odisha. The Program consists of the following activities: Results Area 1: Increasing Social Protection Coverage through Adaptive Delivery Systems 1.1 Development and adoption of a Social Protection Delivery Platform (SPDP) to enable increased coverage and consolidated delivery of core safety nets to vulnerable and poor households through digitized mechanisms. 1.2 Integration of SPDP with disaster alerts and urban municipal points of access to improve resilience in disaster prone regions and under-served urban areas. 1.3 Development and adoption of State Data Policy, to protect citizen privacy, and standardize the process of digitization, storage and sharing of data within different departments of the state, as well as sharing of data in public domain to facilitate effective and transparent governance. Results Area 2: Strengthening Statistical Systems for Better Planning and Resilience 2.1 Support for introduction and adoption of digital technologies, including: (a) Supporting DES to transition to computer assisted personal interviewing technology; (b) Building capacity of DES to increase user engagement in statistical activities and filling key data gaps needed for policy and monitoring of schemes and services, including data for key state indicators; (c) Developing a digital platform for survey data collection; (d) Developing a data warehouse for official survey micro-data and time-series data for key state statistical indicators, and a revamped website to provide end-users with advanced queries and the extraction of the desired data; and (e) Supporting development and adoption of policies, including data dissemination and quality assurance policies. -5- Results Area 3: Reducing Losses by Strengthening Disaster Management Systems 3.1 Strengthening of technical and institutional capacity of OSDMA to enhance systems and processes on disaster preparedness and response. 3.2 Strengthening of community disaster management planning and implementation by: (a) Developing risk-informed Village Disaster Management Plans (VDMPs) which use good quality data for planning and identifying actionable resilience actions; (b) Developing risk-informed Gram Panchayat Disaster Management Plans (GPDMPs) which identify actionable resilience actions; and (c) Integrating actions identified in the GPDMPs with Gram Panchayat development planning processes. 3.3 Strengthening of human resource and organizational capacities of OSDMA. 3.4 Operationalization of the State Institute for Disaster Management (SIDM), including developing a business plan, hiring of staff, and setting up the education delivery system. -6- SCHEDULE 2 Program Execution Section I. Implementation Arrangements A. Institutional Arrangements 1. To facilitate the carrying out of the Program, the Borrower shall make the proceeds of the Loan available to the Program Implementing Entity in accordance with the Borrower’s standard arrangements for developmental assistance to the states of India. Notwithstanding the foregoing, in the event that any provision of this Agreement, including the instructions that the Bank shall have specified by notice to the Borrower pursuant to Section IV.A of this Schedule 2, were to be found inconsistent with the Borrower’s standard arrangements for development assistance to the states of India, the provisions of this Agreement and related instructions shall govern. 2. The Borrower shall at all times protect its own interests and the interests of the Bank to accomplish the purposes of the Loan. B. Program Action Plan The Borrower shall cause the Program Implementing Entity to implement the Program Action Plan, in accordance with the provisions of Section I.C of the Schedule to the Program Agreement. Section II. Excluded Activities The Borrower shall ensure that the Program excludes any activities which: A. in the opinion of the Bank, are likely to have significant adverse impacts that are sensitive, diverse, or unprecedented on the environment and/or affected people; or B. involve the procurement of: (1) works, estimated to cost USD75,000,000 equivalent or more per contract; (2) goods, estimated to cost USD50,000,000 equivalent or more per contract; (3) non-consulting services, estimated to cost USD50,000,000 equivalent or more per contract; or (4) consulting services, estimated to cost USD20,000,000 equivalent or more per contract. Section III. Program Monitoring, Reporting and Evaluation The Borrower shall cause the Program Implementing Entity to furnish to the Bank each Program Report not later than forty-five days after the end of each calendar semester, covering the calendar semester. -7- Section IV. Withdrawal of Loan Proceeds A. General 1. Without limitation upon the provisions of Article II of the General Conditions and in accordance with the Disbursement and Financial Information Letter, the Borrower may withdraw the proceeds of the Loan to: (a) finance Program Expenditures (inclusive of Taxes), on the basis of the results (“Disbursement Linked Results” or “DLRs”) achieved by the Program Implementing Entity, as measured against specific indicators (“Disbursement Linked Indicators” or “DLIs”); and (b) pay: (i) the Front -end Fee; and (ii) pay each Interest Rate Cap or Interest Rate Collar premium; all as set forth in the table in paragraph 2 of this Part A and Schedule 4 to this Agreement. 2. The following table specifies each category of withdrawal of the proceeds of the Loan (including DLIs as applicable) (“Category”), and the allocation of the amounts of the Loan to each Category; provided that for the purpose of Categories (1) to (9) of the table below, the actual amount authorized for disbursement (“Allocated Amount”) based on the formula for its determination upon the achievement of an individual DLR for any given DLI financed under such Category, shall be calculated as set forth in Schedule 4 to this Agreement: Category Amount of the (including Disbursement Linked Indicator as applicable) Loan Allocated (expressed in USD) (1) DLI #1: Strengthening standardization and improving quality of data 9,750,000 sets in select two departments through adoption of the guidelines of the State Data Policy and documentation for future adoption (2) DLI #2: Development and Implementation of Social Protection 16,000,000 Delivery Platform (SPDP) for enhanced coverage and resilience (3) DLI #3: Strengthening resilience through i) deployment of early 11,500,000 warning dissemination technology systems, and ii) expanded citizen outreach (4) DLI #4: Improving digital access and management of data for 6,000,000 evidence-based policy making and planning (5) DLI #5: Implementation of computer assisted survey technology 11,500,000 (CAPI) for improved data quality and data production in the state (6) DLI #6: Strengthening data production in the state for enhanced 7,500,000 analytics for evidenced based policy making -8- (7) DLI #7: Strengthening disaster-related impact forecasting systems for 32,000,000 improved response and coverage of early warnings alerts (8) DLI #8: Population covered (%) by risk-informed Gram Panchayat 2,000,000 Disaster Management Plans (GPDMP) that are integrated with development programs at the Gram Panchayat levels (9) DLI #9: Enhancing disaster risk management and disaster education 3,500,000 capabilities through skilled human resource and facilities (10) Front-end Fee to be paid pursuant to Section 2.03 of this Agreement 250,000 in accordance with Section 2.05 (b) of the General Conditions (11) Interest Rate Cap or Interest Rate Collar premium to be paid pursuant 0 to Section 4.05 (c) of the General Conditions TOTAL AMOUNT 100,000,000 B. Withdrawal Conditions; Withdrawal Period 1. Notwithstanding the provisions of Part A of this Section, no withdrawal shall be made: (a) on the basis of DLRs achieved prior to the Signature Date; or/and (b) for any DLR, until and unless the Borrower has furnished evidence satisfactory to the Bank that said DLR has been achieved. 2. Notwithstanding the provisions of Part B.1(b) of this Section, if any of the DLRs under Category (1) to (9) has not been achieved by the date by which the said DLR is set to be achieved, the Bank may, by notice to the Borrower: (a) authorize the withdrawal of such lesser amount of the unwithdrawn proceeds of the Loan then allocated to said Category which, in the opinion of the Bank, corresponds to the extent of achievement of said DLR, said lesser amount to be calculated in accordance with the formula for Allocated Amounts set out in table in Schedule 4 to this Agreement; (b) reallocate all or a portion of the proceeds of the Loan then allocated to said DLR to any other DLR; (c) cancel all or a portion of the proceeds of the Loan then allocated to said DLR; and/or (d) authorize the withdrawal of such portion of the Allocated Amount which has not been disbursed by the expected date pursuant to paragraph (a) immediately above, at a later than the expected date for the DLR(s) achieved after such initially expected date. 3. The Closing Date is April 26, 2028. -9- SCHEDULE 3 Commitment-Linked Amortization Repayment Schedule The following table sets forth the Principal Payment Dates of the Loan and the percentage of the total principal amount of the Loan payable on each Principal Payment Date (“Installment Share”). Level Principal Repayments Principal Payment Date Installment Share On each March15 and September 15 Beginning September 15, 2026 through March 15, 2035 5.26% On September 15, 2035 5.32% -10- SCHEDULE 4 Disbursement-Linked Indicators, Disbursement-Linked Results and Allocated Amount(s)* Disbursement-Linked Results (DLRs) (Year of Achievement of the DLRs are indicative except when expressly indicated as “Time -bound”) Disbursement-Linked Results to be Achieved in Results to be Achieved Results to be Achieved Results to be Achieved Results to be Achieved in Indicators (DLIs) FY2023-24 (Year 1) in FY2024-25 (Year 2) in FY2025-26 in FY2026-27 FY2027-28 (Year 3) (Year 4) (Year 5) DLI #1 Strengthening State data steering committee Operational guidelines Training of at least 75 At least two select OCAC has published the standardization and and data governance committee and checklist to support percent (out of 272) departments are report on the lessons learnt improving quality of data established and notified; and implementation and officials in two select compliant with the State from the implementation sets in select two requisite revision and re- adoption of State Data departments for the Data Policy of State Data Policy in two departments through notification of State Data Policy developed by adoption of State Data select departments adoption of the Policy completed DoF Policy completed guidelines of the State Data Policy and documentation for future adoption Allocated Amounts ($) $1,000,000 $1,750,000 $2,000,000 for training $1,000,000 of 55% officials, plus $1,500,000 for each $500,000 for every 10% department that is increase thereafter, up to compliant, up to a total a total amount of amount of $3,000,000 $3,000,000 DLI #2 Development and OCAC has finalized the RFP OCAC has completed OCAC has completed a OCAC has completed a (i) Coverage of eligible implementation of SPDP (Request for Proposal) and has the integration of SPDP training and training and households receiving for enhanced coverage entered into contract for for three schemes as per socialization program socialization program KALIA has increased by at and resilience onboarding of the system approved specification for 60 percent of for an additional 30 least 10 percent over the integrator for development and and design government officials on percent of government baseline of 5,300,000 implementation of SPDP with using SPDP officials on using SPDP farmers clearly codified business requirements, functional (ii) Coverage of eligible requirements, system design elderly/ widow/ persons specifications, and roll-out plan with disability under the Madhu Babu Pension Scheme has increased by at least 5 percent over the -11- baseline of 1,500,000 beneficiaries (iii) Coverage of households under the state government-financed health insurance scheme that covers those left out of national health insurance scheme has increased by at least 5 percent over the baseline of 382,000 households Allocated Amounts ($) $2,000,000 $2,000,000 for $750,000 for training of $1,500,000 for training (a) $1,250,000 for 5% intregration of one 50% of officials, plus of 20% additional incrase in coverage under selected scheme, plus $25,000 for every officials over previous DLR (i) above, plus $1,000,000 for additional percentage year, plus $100,000 for $225,000 for every integration of every increase thereafter, up to every additional additional percentage additional selected a total amount of percentage increase increase thereafter, up to a scheme thereafter, up $1,000,000 thereafter, up to a total total amount of $2,375,000 total amount of amount of $2,000,000 $4,000,000 (b) $1,000,000 for 3% incrase in coverage under DLR (ii) above, plus $500,000 for every additional percentage increase thereafter, up to a total amount of $2,000,000; and (c) $1,500,000 for 3% incrase in coverage under DLR (ii) above, plus $562,500 for every additional percentage increase thereafter, up to a total amount of $1,125,000 DLI #3 Strengthening OCAC has completed an OCAC has published an (i) OCAC has integrated (i) At least 100,000 (i) At least 200,000 resilience through (i) evaluation report on different RFP (Request For SPDP and Odisha One persons are utilizing persons are utilizing SPDP deployment of early information/alert broadcasting Proposal) to identify a portal for citizen use SPDP for data updates for data updates in rural warning dissemination systems at the state level vendor to develop a cell across the state; and coastal areas; and -12- technological system; broadcasting system (ii) SPDP services for in rural coastal areas; and (ii) citizen outreach with a primary focus on data updates and and (ii) At least 60,000 persons early warning registration for (ii) At least 30,000 are utlizing SPDP for data information programs are availabe in persons are utlizing updates in urban areas dissemination at least 1500 citizen SPDP for data updates service centers, out of in urban areas which at least 1000 centers are in rural coastal areas and at least 400 centers are in the urban area Allocated Amounts ($) $1,000,000 $6,000,000 $750,000 for 1000 $1,850,000 for 120,000 $1,254,000 for 220,000 citizen service centres persons utlizing SPDP, persons utlizing SPDP, offering SPDP services, plus $15 for every plus $6.15 for every plus $1,000 for every additional person additional person utilizing additional citizen utilizing SPDP SPDP thereafter, up to a service centre offering thereafter, up to a total total amount of $1,500,000 SPDP services amount of $2,000,000 thereafter, up to a total amount of $1,000,000 DLI 4: Improving Odisha government has issued DES has completed DES has published a DES has established a All districts in Odisha are digital access and a cabinet order to adopt a state- codifying business data catalog for core state data portal and covered by the DES core management of data for wide data dissemination policy processes, data models, datasets metadata launched a core indicator database, evidence based policy based on a web-first policy data ingestion indicator database to allowing open data use for making and planning workflows, and a data improve online data local planning/action migration plan for core availability for planning datasets to enable the implementation of the State Data Policy Allocated Amounts ($) $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,700,000 for 90% districts covered, plus $10,000 for every additional district covered thereafter, up to a total amount of $2,000,000 DLI#5: Implementation DES has deployed CAPI DES has completed data DES has completed data DES has completed data of Computer Assisted for survey data collection for at least 1 collection for at least collection for at least 1 Survey Technology collection across Odisha additional core state one 1 additional core additional core state (CAPI) for improved survey from previous state survey from surveys from previous year data quality and data year done through CAPI previous year done done through CAPI production through CAPI -13- Allocated Amounts ($) $4,000,000 $2,500,000 $2,500,000 $2,500,000 DLI#6: Strengthening A project management and DES has released at DES has released at DES has released at least data production in the data analytics unit has been least one new statistical least new statistical one new statistical product state for enhanced established within the DES to product product in addition to in addition to the products analytics for evidenced oversee institutional the product released in released in the previous based policy making development, capacity the previous year years building, and incubation of new statistical products Allocated Amounts ($) $2,000,000 $2,000,000 $2,000,000 $1,500,000 DLI#7: Strengthening All districts have information OSDMA has established OSDMA has established OSDMA has developed OSDMA has integrated disaster-related impact flows with State Emergency impact based forecasting impact based a state-wide dynamic SATARK system with forecasting systems for Operations Center and modules for cyclone and forecasting modules for multi-hazard risk modules for impact-based improved response and Geospatial Laboratory storm surge for lightning, heat and assessment forecasting, a multi-hazard coverage of early cold wave and system/platform risk assessment system, warnings alerts landslides and linkages for all districts Allocated Amounts ($) $4,700,000 for 90% districts $5,000,000 $5,000,000 $5,000,000 $400,000 for 90% districts with information flows, plus with linkages, plus $100,000 for every additional $400,000 for every district thereafter, up to a total additional district amount of $5,000,000 thereafter, up to a total amount of $12,000,000 DLI 8: 90% population 50 risk informed VDMPs 8 risk informed (i) Additional 12 risk 8 GPDMPs are Additional 12 GPDMPs is covered by risk- prepared in 8 GPs GPDMPs prepared informed GPDMPs integrated with the GP are integrated with the GP informed Gram identifying costed and prepared identifying development planning development planning Panchayat Disaster time-bound resilience costed and time-bound process and the village process and the village Management Plans actions resilience actions; and resilience tracker resilience tracker platform (GPDMP) integrated platform with development (ii) 51 risk informed programs at the Gram VDMPs prepared in 12 Panchayat levels GPs Allocated Amounts ($) $40,000 for 40 VDMPs $187,500 for 6 GPDMPs $375,000 $234,375for 5 GPDMPs $450,000 for 10 additional prepared; plus $10,000 for prepared; plus $31,250 integrated; plus $46,875 GPDMPs integrated; plus every additional VDMP for every additional for every additional $25,000 for every prepared thereafter, up to a GPDMP prepared GPDMP thereafter, up additional GPDMP total amount of $500,000 thereafter, up to a total to a total amount of thereafter, up to a total amount of $250,000 $375,000 amount of $500,000 DLI 9: Enhancing OSDMA has notified its first OSDMA has completed SIDM has completed a (i) OSDMA has OSDMA has established disaster risk management strategic long-term human hiring or deputation of business plan for completed the hiring or an experience and learning and disaster education resource plan for improved technical staff as per the sustainability and deputation of staff as center at SIDM capabilities through capacity building of -14- skilled human resource staffing dedicated to disaster new human resource officials in disaster- per SIDM business plan; and facilities management activities plan management activities and (ii) OSDMA has rolled- out four smart classes at SIDM allowing more coverage of stakeholders Allocated Amounts ($) $475,000 $225,000 $525,000 $1,550,000 $725,000 * The periods (Fiscal Years) in which DLRs are expected to be achieved as per this Schedule are for indicative purposes except when otherwise expressly indicated as “Time-bound”. Achievement of DLRs can be obtained earlier or later than said periods up and until the Closing Date; provided that if any DLR is met prior to the period in which such DLR is indicated for, the Borrower may, with prior agreement of the Bank, withdraw the amount corresponding to the extent of achievement of said DLR prior to that Fiscal Year indicated in this Schedule. -15- APPENDIX Definitions 1. “Allocated Amount” means the amount allocated to each individual DLR, or determined for each DLR pursuant to the formula detailed in the table in Schedule 4 to this Agreement, as such amount might be increased, reallocated and/or cancelled (whether partially or in its entirety) by the Bank, from time to time, as the case may be, in accordance with the provisions of Section IV.B.3 of Schedule 2 to this Agreement. 2. “Anti-corruption Guidelines” means, for purposes of paragraph 6 of the Appendix to the General Conditions, the Bank’s “Guidelines on Preventing and Combating Fraud and Corruption in Program-for-Results Financing,” dated February 1, 2012, and revised July 10, 2015. 3. “Category” means a category set forth in the table in Section IV.A.2 of Schedule 2 to this Agreement. 4. “DES” means the Program Implementing Entity’s Directorate of Economics and Statistics under the Planning and Convergence Department, or any successor thereto. 5. “Disbursement Linked Indicator” or “DLI” means in respect of a given Category, the indicator related to said Category as set forth in the table in Section IV.A.2 of Schedule 2, and Schedule 4 to this Agreement. 6. “Disbursement Linked Result” or “DLR” means in respect of a given Category, the result under said Category as set forth in the table in Schedule 4 to this Agreement, on the basis of the achievement of which, the amount of the Loan allocated to said result may be withdrawn in accordance with the provisions of said Section IV. 7. “ESSA” means the Environmental and Social Systems Assessment, disclosed on October 25, 2022, setting forth the description of the Program’s activities, assessing the Program Implementing Entity’s environmental and social management systems, detailing the Program’s environmental and social benefits, risks and impacts, and recommen ding remedial measures to strengthen the social and environmental systems performance. 8. “FD” means the Program Implementing Entity’s Finance Department, or any successor thereto. 9. “Fiscal Year” or “FY” means the Borrower’s fiscal year, which begins on April 1 of each calendar year and ends on March 31 of the next calendar year. 10. “General Conditions” means the “International Bank for Reconstruction and Development General Conditions for IBRD Financing, Program-for-Results Financing”, dated December 14, 2018 (revised on August 1, 2020, December 21, 2020, April 1, 2021, and January 1, 2022). -16- 11. “Geospatial Laboratory” means a physical laboratory equipped with state -of-the-art systems and hardware to use georeferenced information and adopt geospatial data for disaster risk management, including risk identification, preparedness, emergency response planning and management, post-disaster assessment and recovery planning. 12. “Gram Panchayat Disaster Management Plan” or “GPDMP” means a disaster management plan prepared by a GP. 13. “Gram Panchayat” or “GP” means a gram panchayat, which is a legally elected local government unit, as mandated by the Constitution of India, for local self-governance at the village level. 14. “IFSA” means the Integrated Fiduciary Systems Assessment, setting forth the description of the Program’s activities, assessing the Program Implementing Entity’s financial management, procurement systems and anti-corruption arrangements, detailing the risks and impacts, and recommending remedial measures to strengthen the fiduciary systems. 15. “Independent Verification Agent” means the independent entity to be engaged by the Program Implementing Entity for the purposes of certifying the achievement of the DLRs as referred to in Section III.B of the Schedule to the Program Agreement. 16. “KALIA” means the Krushak Assistance for Livelihood and Income Augmentation program of the government of Odisha under which financial assistance is provided to farmers. 17. “Madhu Babu Pension Scheme” means the Madhu Babu Pension Yojana of the government of Odisha, in order to provide social pensions for beneficiaries not covered by national social pension schemes. 18. “OCAC” means the Program Implementing Entity’s Odisha Computer Application Centre, which is the designated Technical Directorate of the Program Implementing Entity’s Department of Electronics & Information Technology, or any successor thereto. 19. “Odisha One portal” means a comprehensive and transformative effort by the government of Odisha to better integrate government-to-citizen services and improve quality of service delivery with enriched citizen experience. 20. “OSDMA” means the Odisha State Disaster Management Authority, registered as a society under the Borrower’s Societies Registration Act of 1860, set up by the government of Odisha to undertake disaster management and mitigation activities in Odisha. 21. “Personal Data” means any information relating to an identified or identifiable individual. An identifiable individual is one who can be identified by reasonable means, directly or indirectly, by reference to an attribute or combination of attributes within the data, or combination of the data with other available information. Attributes that can be used to identify an identifiable individual include, but are not limited to, name, identification number, location data, online identifier, metadata and factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of an individual. -17- 22. “PMU-DES” means the unit to be established within DES in accordance with Section I.B.3 of the Schedule to the Program Agreement. 23. “PMU-FD” means the unit to be established within FD in accordance with Section I.B.2 of the Schedule to the Program Agreement. 24. “Program Action Plan” means the Program Implementing Entity’s plan dated February 6, 2023 and referred to in Section I.C of the Schedule to the Program Agreement, as may be amended from time to time with the agreement of the Bank. 25. “Program Implementing Entity” means the Borrower’s state of Odisha. 26. “Program Operations Manual” means the manual to be prepared, approved and adopted by the Program Implementing Entity in a manner and substance satisfactory to the Bank pursuant to the provisions of Section I.D.1 of the Schedule to the Program Agreement, as such manual may be amended from time to time with the prior written concurrence of the Bank. 27. “SATARK” means a system for accessing, tracking and alerting disaster risk information based on dynamic risk knowledge developed and adopted by the government of Odisha. 28. “Signature Date” means the later of the two dates on which the Borrower and the Bank signed this Agreement and such definition applies to all references to “the date of the Loan Agreement” in the General Conditions. 29. “Social Protection Delivery Platform” or “SPDP” means a set of technology stack to be developed and adopted by the government of Odisha to enable the government to undertake informed decisions on scheme implementation and enable seamless targeting and identification of beneficiaries. 30. “SRC Office” means the Special Relief Commissioner’s office under the Program Implementing Entity’s Revenue and Disaster Management Department, or its successor thereto. 31. “State Data Policy” means a policy to be developed and adopted by the government of Odisha defining the rules for collection, storage, usage, processing and sharing of Personal Data and non-Personal Data, in accordance with the Borrower’s existing legal framework and appropriate international data protection and privacy standards and practices ensuring legitimate, appropriate and proportionate treatment of such data. 32. “State Emergency Operations Center” means Odisha’s State Emergency Operations Center, set up under the administrative and supervisory control of Odisha’s Special Relief Commissioner, to support multi-agency and/or multi-jurisdiction disaster response coordination and communication. 33. “State Institute for Disaster Management” or “SIDM” means the State Institute for Disaster Management under OSDMA, established with the objective of providing training and promoting research and design, to enable the training of officials to support community during times of disasters. -18- 34. “Verification Protocol” means the Program Implementing Entity’s protocol, acceptable to the Bank, setting forth the means by which the achievement of DLRs will be verified under the Program, as such Verification Protocol may be amended from time to time with the prior written agreement of the Bank. 35. “Village Disaster Management Plan” or “VDMP” means a disaster management plan created at the village level. 36. “WRD” means the Program Implementing Entity’s Water Resources Department, or any successor thereto.