1. The subject of the contract is to grant a long-term loan up to PLN 7,000,000.00 (in words: seven million zlotys 00/100 grosze) to finance the planned budget deficit of the Kowalewo Pomorskie Commune in 2023. 2. The loan will be released after the conclusion of the loan agreement by 28 December 2023, on dates and tranches tailored to the needs of the ordering party and will take place at the written request of the ordering party, within a maximum of 5 business days from the receipt of a written instruction from the ordering party. 3. The Ordering Party reserves the right to use the incomplete amount of credit. The Contractor will not charge additional commissions or fees for the unused part of the granted loan. 4. The loan period is from the date of signing the contract until 31.12.2038. 5. The grace period for repayment of loan principal installments is determined until 31/03/2026. 6. The contracting authority shall have the right to early repayment of the loan or part thereof without incurring any charges in this respect, notifying the contractor in writing at the latest on the date of planned repayment. 7. In the event of early, partial repayment of the loan, the loan period remains unchanged, unless the ordering party submits a different instruction in writing. The ordering party, in the event of early repayment of part of the loan, has the right to indicate specific loan installments from the schedule for which it made payments. The overpaid amount is not subject to interest. 8. The legal security for the repayment of the loan granted shall be: a blank promissory note together with a promissory note declaration. The Treasurer of the Municipality will countersign the bill of exchange declaration. 9. Settlements between the contracting authority and the contractor shall be made in the Polish currency [PLN].

1. The subject of the contract is to grant a long-term loan up to PLN 7,000,000.00 (in words: seven million zlotys 00/100 grosze) to finance the planned budget deficit of the Kowalewo Pomorskie Commune in 2023. 2. The loan will be released after the conclusion of the loan agreement by 28 December 2023, on dates and tranches tailored to the needs of the ordering party and will take place at the written request of the ordering party, within a maximum of 5 business days from the receipt of a written instruction from the ordering party. 3. The Ordering Party reserves the right to use the incomplete amount of credit. The Contractor will not charge additional commissions or fees for the unused part of the granted loan. 4. The loan period is from the date of signing the contract until 31.12.2038. 5. The grace period for repayment of loan principal installments is determined until 31/03/2026. 6. The contracting authority shall have the right to early repayment of the loan or part thereof without incurring any charges in this respect, notifying the contractor in writing at the latest on the date of planned repayment. 7. In the event of early, partial repayment of the loan, the loan period remains unchanged, unless the ordering party submits a different instruction in writing. The ordering party, in the event of early repayment of part of the loan, has the right to indicate specific loan installments from the schedule for which it made payments. The overpaid amount is not subject to interest. 8. The legal security for the repayment of the loan granted shall be: a blank promissory note together with a promissory note declaration. The Treasurer of the Municipality will countersign the bill of exchange declaration. 9. Settlements between the contracting authority and the contractor shall be made in the Polish currency [PLN]. 10. The date of repayment of the loan or its installment shall be the date on which the amount is credited to the account indicated by the contractor. 10. Repayments of loan installments will be made in the amounts and dates specified in the schedule. 11. The interest rate on the loan will be calculated based on WIBOR 1M. For the calculation of the offer price, WIBOR 1M of 22.03.2023 is assumed. of 6,85 %. The interest rate may change during the contractual period only if the WIBOR 1M rate changes. The margin during the contractual period is fixed. 12. Interest due shall be calculated for each day of using the loan from the date of its disbursement and from the amount of funds used. Interest shall be calculated in monthly accounting periods. Interest payments will be made by the 15th day of each month for the previous month. 13. The last installment of interest is payable on the payment date of the last installment of the loan. 14. The date on which the amount due is credited to the account indicated by the contractor shall be deemed to be the payment of interest. If the due date for payment of interest falls on a public holiday, this deadline shall be postponed to the first working day after that day. 15. A real calendar shall be used to calculate interest on the loan. 16. Capitalisation of interest is not permitted. 17. The loan may not be charged with other fees and commissions. 18. On the amount of the loan not repaid on time, the contracting authority undertakes to pay interest at the interest rate applicable to the contractor for overdue debt, but not higher than four times the lombard rate of the National Bank of Poland. 19. The contracting authority informs that it will not fill in any forms provided by contractors because the contracting authority has provided all data in the SWZ that allow contractors to prepare their own analyzes and therefore the contracting authority will not process the data contained in the SWZ. 20. The contracting authority does not agree to sign a declaration of submission to enforcement pursuant to Article 777 paragraph 1 point 5 of the Act of 17 November 1964. Code of Civil Procedure (Journal of Laws of 2021, item 1805, as amended). 21. The Municipality's bank accounts are not subject to attachments. 22. The municipality has no outstanding financial liabilities.