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Page 1 December 30, 1998 H.E. Fathallah Oualalou Minister of Economy and Finance Ministry of Economy and Finance Rabat Kingdom of Morocco Re: Morocco -- Loan Numbers 3928-MOR: Financial Markets Development Loan Amendment to Loan Agreement Excellency: We refer to the Loan Agreement (the Agreement) dated August 1, 1995, as amended, entered into between the Kingdom of Morocco (the Borrower) and the International Bank for Reconstruction and Development (the