1. The subject of the contract includes the performance until 25.07.2036 of a banking service consisting in granting and servicing a bank loan in the amount of up to PLN 3,500,000 intended to finance the planned deficit, in connection with the implementation of the investment.

2. The Ordering Party reserves the right to use the loan in an incomplete amount without giving a reason and without financial consequences and without incurring additional costs. With reference to Article 433 point 4 of the PPL Act, the Contracting Authority provides for the possibility of limiting the contract, with the minimum amount of the loan granted being set at PLN 300,000.00.

1. The subject of the contract includes the performance until 25.07.2036 of a banking service consisting in granting and servicing a bank loan in the amount of up to PLN 3,500,000 intended to finance the planned deficit, in connection with the implementation of the investment.

2. The Ordering Party reserves the right to use the loan in an incomplete amount without giving a reason and without financial consequences and without incurring additional costs. With reference to Article 433 point 4 of the PPL Act, the Contracting Authority provides for the possibility of limiting the contract, with the minimum amount of the loan granted being set at PLN 300,000.00.

3. Credit redemption date: until 31.12.2022 After this time, the Ordering Party will not be able to use the loan or part of it placed at his disposal.

4. Deadline for making funds available: 2 days from the date of submission of a written application by the ordering party.

5. Contract period – from the date of signing the contract to 25 July 2036.

6. The credit will be used in a non-cash form.

7. The loan will be activated in tranches and amounts specified in the written application of the Ordering Party.

8. Interest rate on the loan: WIBOR 1M from the last day of the month preceding the period for which interest will be calculated, increased by the bank's margin; for the purposes of evaluation of tenders, the cost/price of obtaining a loan shall be calculated by the tenderer for the period from 15 October 2022 to 25 July 2036.

9. The bank's margin is fixed and is not subject to change during the loan repayment period.

10. Interest on the credit used shall be calculated from the date of placing the due amount on the borrower's account in monthly periods, the last day of the month, and if the last day of the month is a non-working day, payment will be made on the last business day, after prior written information from the Lender on the amount of interest, at least 10 days before the payment deadline, the last payment of interest will take place by 25 July 2036 and, if it is a non-working day, on the last working day.

11. Repayment of capital will start from 25 October 2023 in quarterly installments. If the repayment of the last installment of the loan falls before the end of the interest period, interest will be payable on the loan repayment date.

12. The loan will be secured by a blank promissory note together with a promissory note declaration.

13. The Contractor shall not charge bank fees and commissions on any early repayment of the loan, or any other costs other than those mentioned in this section.

and the draft offer form (does not apply to the loan preparation commission).

14. The Contracting Authority shall not open a separate account with the Contractor in order to service the loan granted.

15. The Ordering Party reserves the right to repay all or part of the loan early without incurring additional commissions and fees.

16. The use of the loan in the amount lower than the amount being the subject of the order will not result in additional costs incurred by the Ordering Party,

with the proviso that the minimum loan amount will be PLN 300,000.00.

17. The municipality does not intend to include in the loan agreement provisions concerning the extension of the loan period or the possibility of postponing the loan installments to further years.

18. The municipality provides for the possibility of shortening the repayment period of the loan and reducing the number of instalments and their amount.

19. Loan tranches may constitute refunds of previously incurred expenses by the Ordering Party or be incurred for expenses that will be incurred until the end of 2022.