The subject of the contract is: Granting the Municipality of Zblewo a bank loan for debt restructuring. The subject of the contract is specified in detail in the description of the subject of the contract and in the PPU (Draft Provisions of the Agreement), constituting annexes to the SWZ.

4. The Contractor shall open a credit account at the latest on the day of conclusion of the credit agreement and shall maintain it free of charge during its term. 5. The Contractor shall open a sub-account or an account dedicated to the credit account at the latest on the day of conclusion of the contract and shall keep it free of charge during the performance of this loan agreement. 6. The Contractor shall make the credit funds available to the Contracting entity on the day of signing the contract. 7. The Contractor shall release all tranches of the loan in accordance with the instructions of the Contracting Authority without charging a commission on the unused part of the loan. 8. The Contractor shall release the credit funds in the amount and dates indicated by the Contracting Authority in the instructions submitted to the Contractor, without submitting a separate loan application subject to consideration. 9. The final date for using the loan is 20.10.2023. 10. The ordering party will have the right to submit a written statement of resignation from further use of the loan. 11. The loan will be used in the Polish currency. 12. The amount of credit used will bear interest on an annual basis, at a variable interest rate. 13. The interest rate referred to in point 12 shall be equal to the base rate increased by the Contractor's fixed margin, determined on the basis of the submitted offer. 14. The Ordering Party's liabilities due to interest on the loan will be regulated in monthly accounting periods as the sum of the variable base rate WIBOR for PLN 1-month deposits on the interbank market, from the last quotation in the month preceding the month for which interest will be calculated, increased by the Contractor's fixed margin determined on the basis of the submitted offer. 15. Interest will be calculated on the basis of 365 days in a year, with the number of calendar days falling in a given month being assumed in a month, and each day for 1/365 of a year. 16. The Ordering Party shall be notified in writing by the Contractor of the amount of the base rate (WIBOR 1 M) constituting the basis for calculating the interest rate on the loan in a given month and the amount of accrued interest for a given month by the 20th day of that month. 17. The Contractor's margin is fixed during the contractual loan period. 18. Interest on the credit used shall be calculated in monthly accounting periods, according to the actual number of days of the calendar month, and shall be payable by the last working day of each subsequent month for which it is calculated, whereby: (a) the first accounting period shall be calculated from the date of disbursement of the first tranche of the credit and shall end on the last day of the calendar month, (b) the last accounting period shall end on the day preceding the full repayment of the credit. 18. For each financial period included in the contractual loan term, the borrowing rate shall be fixed. 19. The Ordering Party has the right to early repayment of all or part of the loan on the date indicated by it, provided that prior written notification to the Contractor, which will be delivered in person or via e-mail no later than 7 days before the date of early repayment of all or part of the loan. The remaining part of the description is attached as Annex 4 to the SWZ.