1. The subject of the contract is the granting of a long-term loan in the amount of PLN 6,770,000, intended to finance the planned deficit of the commune's budget in 2022.

1. The subject of the contract is to grant a long-term loan in the amount of PLN 6,770,000, intended to finance the planned deficit of the commune's budget in 2022. 2. Method of performance of the contract by the contractor: Activation of the loan from November 1 to December 31, 2022 in the amount of PLN 6,770,000. Repayment of the loan in installments. The Bank: 1) will grant a loan in the period: from November 1, 2022 - to December 31, 2022 - PLN 6,770,000, 2) agrees to launch the loan in an incomplete amount and to launch the loan in tranches. 3) in order to start the loan, agrees to:  submit a positive opinion of the Regional Audit Office on the possibility of repayment of the loan.  submission of the Municipality's statement on not having arrears due to loans and advances and proper debt service and therefore the bank will not require the submission of banks' opinions, 4) will charge interest on the loan amount actually used The loan will be taken out for a period of 176 months. 1) Repayment of capital will take place in annual periods – in the years 2023-2032 to February 1, in the years 2022-2037 -July 1. If the repayment falls on a non-working day, the repayment of the installment will be made on the next business day. 2) The loan repayment schedule in the repayment years will include the amounts of capital: 01.02.2023 PLN 100,000 PLN 01.02.2024 PLN 100,000 01.02.2025 PLN 10,000 PLN 01.02.2026 PLN 10,000 PLN 01.02.2027 PLN 10,000 PLN 01.02.2028. PLN 10,000 01.02.2029 PLN 10,000 PLN 01.02.2030 PLN 210,000 PLN 01.02.2031 PLN 210,000 PLN 01.02.2032 PLN 300,000 PLN 01.07.2033 PLN 500,000 PLN 01.07.2034 PLN 1,550,000 PLN 01.07.2035 PLN 1,700,000 PLN 01.750,000 PLN 01,750,000 PLN 01,07,2037 PLN 300,000 to use a loan amount lower than PLN 6,770,000 without costs charged to the Ordering Party. Interest rate on the loan: 1) based on the variable WIBOR 3M rate, 2) setting the WIBOR rate for calculating interest is determined on the basis of the WIBOR 3 M rate determined 2 business days before the end of the quarter and effective from the 1st day of the next quarter. The rate set in this way is valid for 3 months 3) interest repayment in monthly periods, assuming that the interest year has 365 days, 4) change in interest rate – every 3 months, 5) interest repayment date on the loan – based on the information sent by the Contractor about the amount of interest for the month – within 10 days after the end of the previous month, for December – until the end of the year, 6) the contractor does not charge any other fees related to servicing the loan than interest, the contractor will not charge commissions and other fees, including fees for early repayment of loan installments. 7) the amount of the margin will be fixed throughout the term of the contract, 8) during the term of the contract, the possibility of changing the loan repayment dates, i.e. early repayment of installments at the request of the Ordering Party without charging additional fees in this respect, is reserved. The necessary data needed to assess creditworthiness, i.e. Resolutions on the budget and the Multiannual Financial Forecast and their changes, opinions of the Regional Chamber of Accounts, budget reports, can be found on the website: bip.gmina-bartoszyce.pl in the subject menu: Taxes and fees, assets and finances.