1. The subject of the contract is a service consisting in taking out a long-term loan in the amount of PLN 8,130,000 (in words: eight million one hundred thirty thousand zlotys 00/100 zlotys).

2. The funds obtained from the loan shall be used for: repayment of loans in the amount of PLN 3,050,903 (in words: three million fifty thousand nine hundred three zlotys 00/100) and financing of the planned budget deficit in the amount of PLN 5,079,097 (in words: five million seventy nine thousand ninety seven zlotys 00/100 zlotys) in accordance with Resolution No. 0007.84.2022 of the City Council in Czarne of December 30, 2022 on taking a long-term loan.

3. Loan period: from signing the loan agreement until December 15, 2034.

4. The credit will be launched in amounts and dates to be determined in the form of a written payment application made before each launch of the tranche electronically with a minimum of one day in advance, and the funds should be transferred on the following day after receipt of the request electronic.

5. The start-up of the credit will be without cash transfer to the bank account of the municipal budget: BS Człuchów o/Czarne 77 9326 0006 0040 0116 2000 0100.

6. The grace period for repayment of capital will cover the time from the date of payment until 15/01/2024.

7. 0% commission for early repayment of the loan.

8. In the event of failure to meet the expenses planned for 2023, the Ordering Party reserves the right to reduce the loan amount.

9. Loan servicing costs:

1) the interest rate on the loan will be variable, based on the WIBOR 1M rate, updated monthly, preceding the month of loan repayment and fixed, during the term of the contract, the bank's margin, not higher than 0.50%, which will be determined with accuracy to the second decimal place. Costs related to maintaining a credit account and all fees related to servicing the loan The Contractor is obliged to include in the margin in such a way as to calculate and present a single percentage rate, the amount of which is binding throughout the loan period, Therefore, the bank will not additionally charge costs and fees for m.in preparation commission throughout the term of the contract, commission for drawing up annexes, commission for early repayment, commission on unused loan amount and the like in the PZP mode.

2) commission – calculated as a % of the entire loan amount, i.e. PLN 8,130,000, must include all fees that are related to the launch of the loan – payable by the Contracting Authority to the Contractor's bank account within 15 days from the first release of funds.

10. For the accounting year, 365 days are taken and 366 days in the case of a leap year.

11. The Contracting Authority reserves the right to repay all or part of the credit early without incurring additional costs or fees.

12. In the loan agreement, only the costs listed in point 9 shall be deemed binding.

13. Interest will be repaid on a monthly basis by the 15th day of each month for the previous month from the date of disbursement of the loan until 15 December 2034. The last interest installment will be payable by December 31, 2034. Interest on the loan will be charged only on the amount of the current actual debt and payable monthly.

14. The repayment of capital will be made in monthly installments until the 15th day of each month:

YEAR Number of capital installments Value of capital installments Value of capital installments in a given year

2024 12 1 700,00 20 400,00

2025 12 16 700,00 200 400,00

2026 12 4 200,00 50 400,00

2027 12 6 000,00 72 000,00

2028 12 8 400,00 100 800,00

2029 12 8 400,00 100 800,00

2030 12 17 000,00 204 000,00

2031 12 66 000,00 792 000,00

2032 12 250 000,00 3 000 000,00

2033 12 250 000,00 3 000 000,00

3034 12 49 100,00 589 200,00

Total 8,130,000.00

15. The loan will be secured by a blank promissory note with a promissory note agreement.

16. The Contracting Authority informs that the Treasurer of the Municipality will countersign the loan agreement, the promissory note agreement and the blank promissory note.

17. In addition, the Contracting Authority informs that it does not anticipate signing a declaration of submission to enforcement with the countersignature of the Treasurer.

18. The Ordering Party informs that it has no arrears with the Tax Office and the Social Insurance Institution.

19. The margin proposed in the tender will remain unchanged throughout the term of the loan agreement.

In view of lack of space, other records of the description of the subject of the order can be found in SWZ available at: https://portal.smartpzp.pl/czarne.