1. The subject of the contract is to grant a loan in the amount of PLN 5,250,000.00 to be used for the repayment of liabilities under previously contracted loans in the amount of PLN 3,450,000.00 and to finance the planned budget deficit in the amount of PLN 1,800,000.00.

2. Loan repayment dates: 2027 – 2029.

3. The principal will be repaid in 36 instalments in the amount set out in the schedule, starting from 31.01.2027. The repayment of the principal instalments planned by the Contracting Authority is as follows:

1) in 2027 - 12 instalments of PLN 83,000.00 each,

2) in 2028 - 12 instalments in the amount of PLN 83,000.00 each,

3) in 2029 - 11 instalments in the amount of PLN 270,833.00 each, 1 instalment in the amount of PLN 278,837.00.

4. The loan is secured by a blank promissory note together with a promissory note declaration.

5. The Contractor is obliged to perform the contract in accordance with the terms and conditions specified in the draft provisions of the contract, which will be included in the content of the contract.

1. The subject of the contract is to grant a loan in the amount of PLN 5,250,000.00 for the purpose of repayment of liabilities under previously contracted loans in the amount of PLN 3,450,000.00 and financing the planned budget deficit in the amount of PLN 1,800,000.00.

2. Loan repayment dates: 2027 – 2029.

3. The principal will be repaid in 36 instalments in the amount set out in the schedule, starting from 31.01.2027. The planned repayment of the principal instalments is as follows:

1) in 2027 - 12 instalments of PLN 83,000.00 each,

2) in 2028 - 12 instalments in the amount of PLN 83,000.00 each,

3) in 2029 - 11 instalments in the amount of PLN 270,833.00 each, 1 instalment in the amount of PLN 278,837.00.

4. The loan is secured by a blank promissory note together with a promissory note declaration.

5. The Contractor is obliged to perform the contract in accordance with the terms and conditions specified in the draft provisions of the contract, which will be included in the content of the contract. These provisions are attached as Appendix 2 to the Terms of Reference.

6. Placing the loan at the disposal of the Contracting Authority within 3 working days from the date of conclusion of the contract (if the non-working day for the Contractor is a Saturday which is not a day considered by law to be a non-working day, this day will not be included in the time designated by the Contractor to place the loan at the disposal of the Contracting Authority). The credit will be disbursed in accordance with the Contracting Authority's needs on a one-off basis or in tranches, on the dates indicated in the Contracting Authority's written instructions, with final use by 31 December 2023.

7. The Ordering Party does not provide for a commission on the loan granted.

8. Cost of Credit:

1) the interest due is calculated for each day of using the loan, counting from the date of its disbursement; For calculation purposes, it is assumed that a year has 365 days and a month has the actual number of days,

2) interest is calculated on a monthly basis and the amount of interest should be communicated to the Contracting Authority by the 5th day of each month,

3) interest on the credit used is payable after the end of the month within 15 days from the date of receipt of the debit note (information) on the amount of interest accrued, whereby:

a) the first accounting period is counted from the date of payment and ends on the last day of the month,

(b) subsequent monthly accounting periods shall be counted from the day following the end of the previous accounting period,

(c) the last accounting period ends on the day preceding the full repayment of the loan.

d) the last instalment of interest is payable on the date of repayment of the last instalment of the loan.

4) the repayment of interest shall be deemed to be the date on which the receivables are credited to the credit account, whereas, if the payment date falls on a day recognized by law as a non-working day, the payment of interest shall take place on the first business day falling after the day recognized by law as a non-working day,

5) the interest rate on the loan will be calculated according to the variable WIBOR rate for monthly deposits, effective for each first day of the interest period (month), published in the Reuters online news service at 11.00 a.m., increased (+) / reduced (-) by the bank's fixed margin expressed in percentage points. If the first day of the interest period is a statutory holiday, the rate of the next business day following that day applies. If the non-working day for the Contractor is a Saturday which is not a statutory holiday, the WIBOR rate from the last business day preceding the first day of the interest period shall be applied. The WIBOR 1M rate used for the purposes of order settlement will be rounded to two decimal places.

9. Interest on the loan will not be capitalized.

10. The County Treasurer shall countersign the loan agreement and the promissory note declaration.

11. All settlements between the Ordering Party and the Contractor shall be conducted in Polish currency.

A detailed description of the item of the order is set out in Annex 1 to the SWZ.