1. The subject of the contract is the service entitled: Granting a long-term bank loan in the amount of PLN 22,000,000.00 in 2023 for the purpose of: 1) financing the planned budget deficit of the Żywiec County in the amount of PLN 14,800,000.00; 2) repayment of previously incurred liabilities under the issue of securities and loans and credits in the amount of PLN 7,200,000.00. 2. The loan will be released in two tranches: 1) I tranche will be released by 30.09.2023; 2) the second tranche will be released by 15.11.2023; subject to point 12 below, each time, on the basis of the Ordering Party's instructions (entity, bank account number, amount expressed in PLN). The instruction referred to above will be submitted by the Ordering Party no later than by 30.09.2023. The payment of each tranche of the loan will take the form of a transfer to the current account of the Ordering Party within the time limit declared by the Contractor in the Offer Form (number of business days), counted from the date of submission by the Ordering Party of the instruction to activate the loan.

1. The subject of the contract is the service entitled: Granting a long-term bank loan in the amount of PLN 22,000,000.00 in 2023 for the purpose of: 1) financing the planned budget deficit of the Żywiec County in the amount of PLN 14,800,000.00; 2) repayment of previously incurred liabilities under the issue of securities and loans and credits in the amount of PLN 7,200,000.00. 2. The loan will be released in two tranches: 1) I tranche will be released by 30.09.2023; 2) the second tranche will be released by 15.11.2023; subject to point 12 below, each time, on the basis of the Ordering Party's instructions (entity, bank account number, amount expressed in PLN). The instruction referred to above will be submitted by the Ordering Party no later than by 30.09.2023. The payment of each tranche of the loan will take the form of a transfer to the current account of the Ordering Party within the time limit declared by the Contractor in the Offer Form (number of business days), counted from the date of submission by the Ordering Party of the instruction to activate the loan. 3. The loan will be repaid on the following dates: 1) I installment – 31.03.2025, amount: PLN 300,000; 2) 2nd installment – 31.03.2026, amount: PLN 400,000; 3) III installment – 31.03.2027, amount: PLN 1,000,000; 4) IV installment – 31.03.2028, amount: PLN 4,000,000; 5) V installment – 31.03.2029, amount: PLN 4,000,000; 6) VI installment – 31.03.2030, amount: PLN 4 000 000; 7) VII installment – 31.03.2031, amount: PLN 4,000,000; 8) VIII installment – 31.03.2032, amount: PLN 4 300 000; subject to point 12 below. 4. The loan shall be secured by a blank promissory note together with a promissory note declaration countersigned by the Treasurer. 5. In the event of extending the loan period, the Ordering Party shall allow a change in the provisions of the contract regarding the form of security, granting additional security or limiting the collateral. 6. For the purpose of calculating interest on the loan, the Contractor should assume: 1) the actual number of days occurring in a given year (365/366), 2) the interest rate on the loan at the WIBOR 1M rate of 28/02/2023 plus the bank's fixed margin. 7. The interest rate on the loan will change once a month. The interest period shall cover a period of one month. The loan will bear interest at a variable interest rate calculated for each monthly interest period based on the WIBOR 1M ratio, consisting of a variable base rate WIBOR 1M and a fixed margin of the Bank. The Bank's margin will be a fixed amount expressed as a percentage and will apply throughout the loan period. If the WIBOR 1M base rate would be negative during the loan period, the base rate of 0.00% should be assumed. 8. Interest installments shall be payable on a monthly basis until the last calendar day of each month from the bank account of the Ordering Party, after receipt of the calculation from the Bank. 9. The interest rate on the loan will be charged only on the actual debt. The Contractor will not charge fees and bank commission on the commitment of the loan, i.e. the balance of the unused part of the loan, and in the event of repayment of the loan at an earlier date, interest will be calculated until the date of actual repayment, and not until the end of the contract. Further entries in SWZ.