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Page 1 CONFORMED COPY LOAN NUMBER 4638 TU Loan Agreement (Social Risk Mitigation Project/Loan) between REPUBLIC OF TURKEY and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT Dated September 14, 2001 LOAN NUMBER 4638 TU LOAN AGREEMENT AGREEMENT, dated September 14, 2001, between REPUBLIC OF TURKEY (the Borrower) and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT (the Bank). WHEREAS (A) the Bank has received a letter dated August 15, 2001, describing the Borrower