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Page 1 LAND BANK OF PHILIPPINES May 15, 1999 International Bank for Reconstruction and Development 1818 H Street, N.W. Washington, D.C. 20433 United States of America Dear Sirs: Re: Loan No 4228 PH (Water Districts Development 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