1. The subject of the contract is to grant the Municipality of Lidzbark a long-term loan in the amount of PLN 3,900,000 to finance the planned budget deficit and repayment of previously taken loans.

2. A detailed description of the subject of the contract is presented in Annex 1 to the SWZ – Detailed Description of the Subject of the Order (SOPZ).

3. The Ordering Party reserves the right to use the credit in an incomplete amount without giving reasons and without financial consequences and without incurring additional costs. With reference to Article 433 point 4 of the Public Procurement Law, the contracting authority provides for the possibility of limiting the scope of the contract, while the minimum value of the contract – the loan granted is set at PLN 3,000,000.00.

1. The subject of the contract is to grant a long-term PLN loan in the amount of PLN 3,900,000 to finance the planned budget deficit and previously taken loans. The amount of the loan granted PLN 3,900,000 launched on request in one tranche on 31.10.2023 (hypothetical date of loan activation determined in order to maintain the comparability of submitted offers) transferred to the bank account of the borrower – ordering party – BS in Działdowo z/s in Lidzbark 83 8215 0006 2001 0000 0941 0032.

2. The Ordering Party shall have the right not to use the full amount of the credit and to regulate the amount and number of tranches according to the needs of the contracting authority. The contract with the bank will be signed for the full amount of the loan given in the description of the subject of the contract.

After calculating the final amount of the loan, the contract will be amended in the form of an annex in which the repayment schedule will be re-established taking into account the final size of the loan. The change in the schedule will not extend the loan period, i.e. it will not exceed 20/12/2036. A change in the size of the loan may not entail a change in interest rates and additional fees.

The gross price of the offer consists of fees, interest and other similar costs related to granting a bank loan to the contracting authority.

3. Grace period for loan repayment until 19/03/2024

4. Loan repayment terms

Installments of the loan granted payable after the grace period, on the following dates and amounts: in the years 2024-2030 will amount to – 28 x PLN 25,000.00, in the years 2031-2033 they will amount to 12 x PLN 50,000.00, in 2034 they will amount to 4 x PLN 75,000, in 2035 they will amount to PLN 4 x 325,000, while in 2036 they will amount to PLN 4 x 250,000.00.

5. Repayment of interest on a monthly basis on the last business day of the month on the actually used loan amount starting from the moment of disbursement of the loan tranche, with interest accrued from the date of disbursement/repayment of the loan until the day preceding the last business day of the month, provided that the Bank receives written notification of the interest amount seven days in advance.

The interest rate on the loan is set at the WIBOR 1M rate on the last business day of the month preceding the date of signing the contract.

When calculating interest for each subsequent interest period, the Bank is obliged to apply the WIBOR 1M rate from the last business day of the month preceding the accounting period.

6. Early repayment of the loan without any financial consequences for the borrower.

7. The possibility of resigning from starting part of the loan without additional commissions and fees, with the proviso that the minimum loan amount will be PLN 3,000,000.00

8. The loan shall be secured by a blank promissory note together with a promissory note declaration. (The countersignature of the Treasurer will be made only on the bill of exchange declaration)

9. Variable interest rate according to WIBOR 1M plus the bank's margin.

The lender notifies the borrower in writing about the interest rate and the change in interest rate.

Apart from the issues specified in the offer, the contractor does not charge any additional fees. In order to submit an offer, WIBOR -1M should be adopted as at the last business day of the month preceding the month of submitting the offer, assuming that the loan is launched in one tranche on 31.10.2023 - PLN 3,900,000,

10. Settlement only in the Polish currency PLN.

11. For the purpose of calculating interest, the month shall be assumed to have the actual number of days and the year 365.

12. The subject of the contract is a publicly available service with specific technical norms, standards and requirements resulting from specific provisions of the Banking Law. Repeatable quality and technical characteristics of the service do not require a complicated description and differentiated quality features. Credit service for a local government unit, there is no need to express the individual and unique requirements of the buyer and the specific features of the subject of the contract. In credit services there is a permanent