3.1. The subject of the contract is the performance of a banking service consisting in granting in 2022 a long-term loan in the amount of PLN 5,700,000.00 (in words: five million seven hundred thousand zlotys) to cover the planned deficit of the Municipality of Dwikozy in 2022 in the amount of PLN 4,580,000.00 (in words: four million five hundred and eighty thousand) and repayment of liabilities under previously taken loans in the amount of PLN 1,120,000.00 (in words: one million one hundred and twenty thousand). The Ordering Party allows to reduce the amount of the loan granted to the amount of not less than PLN 1,000,000.00 (in words: one million).

3.1.1. The loan in the amount of PLN 5,700,000.00 will be activated in one tranche by 15 December 2022, by transferring the loan tranche to the bank account of the Municipality of Dwikozy.

Note: The Ordering Party allows the possibility of transferring in 2022 a tranche of the loan in a different amount, not less than PLN 1,000,000.00 (in words: one million), indicated by the Ordering Party, in the case of smaller credit needs of the Ordering Party, as well as at another time in the case of signing the contract later than December 15, 2022, on a written request to transfer the loan tranche to the Commune's account addressed to the Contractor.

3.1.2. Repayment of capital instalments

1. Repayment of the principal installments of the loan will be made in 116 monthly installments in the years 2028-2037.

2. All installments payable on the last working day of each month, starting from January 31, 2028.

3. If the Ordering Party uses the option of using the loan in the amount lower than PLN 5,700,000.00, he will not incur additional costs (fees, commissions, etc.), and the repayment schedule of loan installments in this case will change accordingly.

3.1.3. Additional information about the credit service

1. Interest on the credit used shall be accrued on the amount of current debt and shall be repaid by the last business day of each month, beginning at the end of the month of the launch of the first tranche of the credit.

2. The loan will be interest-bearing by a variable rate at an annual ratio. The next month's interest rate will be calculated according to the WIBOR 1M rate from the date prior to the start of each accounting period and the bank's margin.

3. Preparatory commission paid within 10 days of the signing of the contract.

4. Credit collateral: promissory note in blanco with promissory statement with the treasurer's countersignate.

5. The Contracting Authority reserves the right to repay the loan in full or in part at no additional cost (fees, commissions, etc.). The interest rate will then be counted for the period of actual use of the loan.

6. The Contracting Authority permits the use of interest, fees and commissions for, inter alia, the loan interest rate and the preparation commission (for the provision of credit). A commission for early repayment of the loan is unacceptable.

7. In order to calculate the offer price, for the purposes of selecting the most advantageous offer, 15.12.2022 should be taken as the expected date of starting the loan and a fixed interest rate WIBOR 1 M in the amount of 6.99%.

8. Loan period: from the signing of the loan agreement until 31 August 2037

9. Grace period in repayment of capital installments of the loan until 31 December 2027.

3.1. The subject of the contract is the performance of a banking service consisting in granting in 2022 a long-term loan in the amount of PLN 5,700,000.00 (in words: five million seven hundred thousand zlotys) to cover the planned deficit of the Municipality of Dwikozy in 2022 in the amount of PLN 4,580,000.00 (in words: four million five hundred and eighty thousand) and repayment of liabilities under previously taken loans in the amount of PLN 1,120,000.00 (in words: one million one hundred and twenty thousand). The Ordering Party allows to reduce the amount of the loan granted to the amount of not less than PLN 1,000,000.00 (in words: one million). 3.1.1. The loan in the amount of PLN 5,700,000.00 will be activated in one tranche by 15 December 2022, by transferring the loan tranche to the bank account of the Municipality of Dwikozy. Note: The Ordering Party allows the possibility of transferring in 2022 a tranche of the loan in a different amount, not less than PLN 1,000,000.00 (in words: one million), indicated by the Ordering Party, in the case of smaller credit needs of the Ordering Party, as well as at another time in the case of signing the contract later than December 15, 2022, on a written request to transfer the loan tranche to the Commune's account addressed to the Contractor. 3.1.2. Repayment of capital instalments 1. Repayment of the loan's principal installments will be made in 116 monthly installments in the years and amounts indicated below: 1) in 2028 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46,000.00 – that is PLN 550,000.00 2) in 2029 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46,000.00 – that is PLN 550,000.00 3) in 2030 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46,000.00 – that is PLN 550,000.00 4) in 2031 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46,000.00 – that is PLN 550,000.00 5) in 2032 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46,000.00 – that is PLN 550,000.00 6) in 2033 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46.0 PLN 00.00 – that is PLN 550,000.00 7) in 2034 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46,000.00 – that is PLN 550,000.00 8) in 2035 – 1 installment – PLN 44,000.00 + 11 installments of PLN 46,000.00 – this is PLN 550,000.00 9) in 2036 – 1 installment – PLN 91,000.00 + 11 installments of PLN 99,000.00 – that is PLN 1,100,000.00 10) in 2037 – 8 installments of PLN 25,000.00, i.e. PLN 200,000.00. 2. All installments payable on the last working day of each month, starting from January 31, 2028. 3. If the Ordering Party uses the option of using the loan in the amount lower than PLN 5,700,000.00, he will not incur additional costs (fees, commissions, etc.), and the repayment schedule of loan installments in this case will change accordingly. 3.1.3. Additional information on the credit service 1. Interest on the loan used is calculated on the amount of the current debt and is repayable by the last business day of each month, starting from the end of the month of launching the first tranche of the loan. 2. The loan will bear interest at a variable interest rate on an annual basis. The interest rate for the next month will be calculated according to the WIBOR 1M rate from the day preceding the start of each accounting period and the bank's margin. 3. Preparation commission payable within 10 days of signing the contract. 4. Collateral for the loan: a blank promissory note together with a promissory note declaration with the countersignature of the treasurer. 5. The Ordering Party reserves the right to early repayment of the loan in whole or in part without additional costs (fees, commissions, etc.). The interest rate will then be calculated for the period of actual use of the loan. 6. The Ordering Party allows the use of interest, fees and commissions for m.in interest rate on the loan and the preparatory commission (for granting the loan). A commission for early repayment of the loan is unacceptable. 7. In order to calculate the offer price, for the purposes of selecting the most advantageous offer, 15.12.2022 should be taken as the expected date of starting the loan and a fixed interest rate WIBOR 1 M in the amount of 6.99%. 8. Loan period: from the signing of the loan agreement until 31 August 2037 9. Grace period in repayment of capital installments of the loan until 31 December 2027. 10. The loan may not be charged with other fees than those listed in the SWZ. 11. The Ordering Party shall not submit a declaration of submission to enforcement pursuant to Civil Procedure Code Art. 777 §1 point 5 12. The Ordering Party's accounts in banks are not subject to enforcement attachments. 13. The Ordering Party has no outstanding liabilities in banks. 14. There was no programme of reorganisation proceedings within the meaning of the Law of 27 August 2009 on public finances in the Municipality of Dwikozy. 15. The Municipality of Dwikozy was not subject to recovery operations initiated at the request of the banks through a bailiff. 16. The Ordering Party has not granted sureties and guarantees to other entities and does not have signed contracts of a public-law nature. 17. Entities related to the Ordering Party: Zakład Gospodarki Komunalnej Sp. z o.o. w Dwikozy, Spółdzielcza 15 – 100% of shares.