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Page 1 January 6, 2000 His Excellency Mihail Manoli Minister of Finance Ministry of Finance 7, Cosmonautilor Street Chisinau 277012 Republic of Moldova Re: Loan Nos. 3977-0-1 MD (First Private Sector Development Project) Amendment to the Loan Agreement Excellency: We refer to the Loan Agreement (First Private Sector Development Project) dated April 17, 1996 (the Loan Agreement) as amended, between the Republic of Moldova and International Bank for Reconstruction and Development (the Bank). We also refer to the letter dated October 18, 1999, requesting certain amendments to the Loan Agreement. We hereby confirm the Bank