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Page 1 CONFORMED COPY LOAN NUMBER 4522 - PH Loan Agreement (Mindanao Rural Development Project) between REPUBLIC OF THE PHILIPPINES and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT Dated December 14, 1999 LOAN NUMBER 4522 - PH LOAN AGREEMENT AGREEMENT, dated December 14, 1999, between REPUBLIC OF THE PHILIPPINES (the Borrower) and INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT (the Bank). WHEREAS (A) the Bank has received from the Borrower a letter dated June 22, 1999, describing a program designed to reduce poverty among the rural communities within the twenty-four provinces in Mindanao, Philippines, by improving their incomes and food security (the Program, as hereinafter defined) and declaring the Borrower