Loan period: from the date of conclusion of the contract to 31 December 2038 The loan will be launched until December 30, 2022. Grace period in repayment of capital until 30 January 2024. Loan principal repayment period – 15 years. Repayment of capital will be made in 180 monthly installments: The first installment of PLN 55,655.00, the next 179 installments of PLN 55,555.00 each; The possibility of not using the full amount of the granted loan and the right to early repayment of all or part of the loan by the Ordering Party at convenient times. Interest on the loan only on the current debt and for the actual period of its occurrence. The loan will bear interest based on the WIBOR rate for 1 monthly PLN interbank deposits calculated as an average from the last month preceding the month for which the interest rate is calculated, increased by a possible fixed bank margin in the amount resulting from the offer. The amount of a one-off bank commission on the loan used may not exceed 0.2%.

1. In 2022, the Contractor shall grant the Ordering Party a loan in Polish currency in the amount of PLN 10,000,000.00 (in words: ten million ZLOTYs 00/100) on the terms specified in the contract. 2. The Contracting Authority will allocate funds from the loan to finance the deficit of the budget of the Commune of Uniejów for 2022. 3. The contracting authority allows the reimbursement of expenses already incurred to cover the budget deficit of 2022 up to the full amount of the loan. 4. Loan period: from the date of conclusion of the contract until 31 December 2038 5. The loan will be activated until 30 December 2022 ("on request"), i.e. after the Ordering Party submits a written instruction to launch the loan – the loan is available on the Ordering Party's account within a maximum of 3 days from the date of submitting the instruction. 6. The loan will be activated to the account indicated in the contract. 7. Grace period in repayment of capital until 30 January 2024. 8. Loan principal repayment period – 15 years from the expiry of the grace period (from 31 January 2024 to 31 December 2038). 9. The date of commencement of repayment of loan principal installments after the grace period (the first date of payment of the capital installment should fall on January 31, 2024). 10. Form of repayment of the loan capital and interest on the loan – monthly installments (Repayment of loan principal installments and interest should take place on the last working day of each month). 11. Repayment of capital will be made in 180 monthly installments: The first installment of PLN 55,655.00, the next 179 installments of PLN 55,555.00 each; 12. The Ordering Party reserves the right to use the full amount of the granted loan and the right to early repayment of all or part of the loan by the Ordering Party at convenient times, after prior notification to the Contractor of the intention to repay within 3 days before its completion. In such a situation, interest on the loan will be calculated only on the current debt and for the actual period of its occurrence and the Ordering Party will not incur any costs in this respect for the Benefit of the Contractor. 13. The loan will bear interest based on the WIBOR rate for 1 monthly PLN interbank deposits calculated as an average from the last month preceding the month for which the interest rate is calculated, increased by a possible fixed bank margin in the amount resulting from the offer. 14. Interest will be calculated only on the actual debt used, it will be repaid monthly (on the last working day of each month). 15. If the repayment date of the credit or interest falls on a public holiday, the time limit shall be deemed to have been observed if the repayment took place on the first working day after the date specified in the contract. 16. In the event of early repayment of the loan, interest will be calculated for the period of its actual use. 17. In the event that the Ordering Party does not use part of the loan or makes an early repayment of part of the loan, the Parties agree on a new repayment schedule in the form of an annex to the contract. 18. The amount of a one-off bank commission on the loan used may not exceed 0.2%. The commission will be payable within 7 business days after the date of starting the loan. 19. All price-setting elements outside the interest base specified in point 13, i.e. the WIBOR 1M rate, will be fixed for the duration of the contract and will not be subject to negotiations. 20. For the calculation of interest on the loan, the calendar n/365 shall be used, 'n' being the actual number of days in a month with the accounting year of 365 days. 21. The Ordering Party allows the possibility of changing the loan repayment schedule in the event of a change in the financial situation of the Ordering Party, i.e. when during the term of the loan agreement there is a threat of exceeding the relationship referred to in Article 243 of the Act of 27 August 2009 on public finances (Journal of Laws of 2022, item 1634), then the Ordering Party may apply to the Contractor with a request to change the repayment schedule, which will be accepted by both parties to the contract. 22. The form of securing the loan is a blank promissory note together with a promissory note declaration. 23. The municipality will not submit a declaration of submission to enforcement under Civil Procedure Code Art. 777(1)(5). 24 The Contracting Authority reserves the right to cancel the procurement procedure in accordance with Article 258 of the Public Procurement Law. 25. The loan may not be charged with other fees than those listed in the Terms of Reference. 26. The Ordering Party agrees to countersign the treasurer on the loan agreement, promissory note, bill of exchange declaration. 27. The Municipality's bank accounts are not subject to attachments. 28. The municipality has no outstanding liabilities towards ZUS and US and banks. 29. There was no programme of resolution proceedings within the meaning of the Law of 27 August 2009 on public finances in the Municipality. 30. In the Municipality, there were no debt collection operations carried out through a bailiff at the request of the banks. 31. The Ordering Party has no obligations due to the purchase of receivables, forfaiting, factoring, eFinancing, leasing. 32. The Contracting Authority did not grant sureties and guarantees to other entities. 33. Entities related to the Commune in terms of capital: a) Przedsiębiorstwo Gospodarki Komunalnej Termy Uniejów with its registered office in Uniejów, Polna 37, 99-210 Uniejów - 100 % of shares; Share capital: PLN 15,499,100.00 b) Geotermia Uniejów Sp. z o.o. with its registered office in Uniejów, Kościelnicka 44, 99-210 Uniejów – Total share capital: PLN 11,379,000.00, Value of shares in the municipality: PLN 7,519,000.00 c) Street and road lighting sp. z o.o. with its registered office in Kalisz, Wrocławska 71A Street, 62-800 Kalisz, Total share capital: PLN 110,354,000.00, Value of the commune's shares: PLN 417,000.00.