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Page 1 LAND BANK OF PHILIPPINES December 11, 1998 International Bank for Reconstruction and Development 1818 H Street, N.W. Washington, D.C. 20433 United States of America Dear Sirs: Re: Loan No 4413 PH (Third Rural Finance Project) Representations In connection with the Loan Agreement to be entered into today between the International Bank for Reconstruction and Development (the "Bank") and the Land Bank of the Philippines ("LBP