1.The subject of the contract is the granting and servicing of a long-term loan in the total amount of PLN 6,237,043.00 for the purpose of financing the planned budget deficit of the Jabłonka Commune and repayment of previously taken loans and advances. The subject of the contract has been divided into two parts:

Part I - a loan in the amount of PLN 4,277,043.00 (in words: four million two hundred seventy seven thousand forty three zlotys 00/100), intended for financing the planned budget deficit of the Jabłonka Commune;

Part II – a loan in the amount of PLN 1,960,000.00 (in words: one million nine hundred and sixty thousand zlotys 00/100), intended for repayment of previously taken loans and advances.

2.1. Part I of the loan in the amount of PLN 4,277,043.00 (in words: four million two hundred seventy seven thousand forty three zlotys 00/100) to finance the planned budget deficit of the Jabłonka Commune;

2.1.1. Payment of the loan: the loan will be granted to the account of the Municipality of Jabłonka by 31.12.2023 according to the needs of the Ordering Party, on any dates and tranches tailored to the needs of the Ordering Party on the basis of written instructions of the Ordering Party, with the final date of using the loan until 31.12.2023.

2.1.2. Form of loan security: blank promissory note with a promissory note declaration with countersignature of the treasurer.

2.1.3. Variable interest rate on the loan throughout the loan period – the interest rate will change every calendar quarter at the 3M WIBOR rate from the last day of the month ending the calendar quarter, preceding the accounting period, or the last business day before the date, if there is no quotation on a given day, plus a fixed margin. Throughout the loan period, the Contractor's margin remains unchanged.

2.1.4. In order to compare the submitted bids, the contracting authority indicates for the calculation the WIBOR rate 3M – 6.72 of 31 July 2023, which should be provided in Annex 1 to the SWZ.

2.1.5. The date 31 July 2023 (the date adopted for the purpose of submitting the offer) should be used only for the calculation of the loan price.

2.1.6. The Ordering Party adopts the method of calculating the interest value constituting a component of the total credit cost in accordance with the Banking Law:

1) number of interest days per year: 365/366 in a leap year

2) the actual number of days in the month

2.1.7. Interest will be charged for the actual number of days of using the credit. Interest will be repaid only on the amount of the loan actually launched, on the basis of debit documents.

2.1.8. Interest will be calculated on the amount of actual debt, the Bank will not charge bank fees and commissions on the commitment of the loan, i.e. the balance of the unused part of the loan.

2.1.9. The loan in the amount of PLN 4,277,043.00 (in words: four million two hundred seventy seven thousand forty three zlotys 00/100) intended for financing the planned budget deficit of the Jabłonka Commune will be repaid over a period of 9 years in quarterly installments:

• in 2024, repayment of 4 installments of PLN 48,084.50,

• in 2025, repayment of 4 installments of PLN 48,084.50 each,

• in 2026, repayment of 4 installments of PLN 48,084.50 each,

• in 2027, repayment of 4 installments of PLN 77,169.25 each,

• in 2028, repayment of 4 installments of PLN 95,584.50 each,

• in 2029, repayment of 4 installments of PLN 120,584.50,

• in 2030, repayment of 4 installments of PLN 120,584.50 each,

• in 2031, repayment of 4 installments of PLN 170,584.50 each,

• in 2032, repayment of 4 installments of PLN 340,500.00 each.

2.1.10.The loan will be granted for a period of 9 years with a repayment period starting from 31 March 2024 at the latest.

2.1.11.The grace period for loan repayment is set until 30.03.2024.

2.1.12.The Ordering Party reserves the right to repay early without incurring additional fees and commissions. The Ordering Party shall notify the Contractor in writing about the date of repayment date within 2 days before the repayment date. (Notification will be given in person, by e-mail or fax).

2.1.14.The Ordering Party allows the actual calendar to be accepted when calculating interest.

2.2. Part II of the loan in the amount of PLN 1,960,000.00 (in words: one million nine hundred sixty thousand zlotys 00/100) intended for repayment of previously incurred loans and advances;

2.2.1. Payment of the loan: the loan will be granted to the account of the Municipality of Jabłonka by 31.12.2023 according to the needs of the Ordering Party, on any dates and tranches tailored to the needs of the Ordering Party on the basis of written instructions of the Ordering Party, with the final date of using the loan until 31.12.2023.

2.2.2. Form of loan security: blank promissory note with a promissory note declaration countersigned by the treasurer.

2.2.3. Variable interest rate on the loan throughout the loan period – the interest rate will change every calendar quarter at the 3M WIBOR rate from the last day of the month ending the calendar quarter, preceding the accounting period, or the last business day before the date, if there is no quotation on a given day, plus a fixed margin. Throughout the loan period, the Contractor's margin remains unchanged.

2.2.4. In order to compare the submitted bids, the contracting authority indicates for calculation the WIBOR 3M – 6.72 rate of 31 July 2023, which should be provided in Annex 1 to the SWZ.

2.2.5. The date 31 July 2023 (the date adopted for the purpose of submitting the offer) should be used only for the calculation of the loan price.

2.2.6. The Ordering Party adopts the method of calculating the interest value constituting a component of the total credit cost in accordance with the Banking Law:

3) number of interest days per year: 365/366 in a leap year

4) the actual number of days in a month

2.2.7. Interest will be charged for the actual number of days of using the credit. Interest will be repaid only on the amount of the loan actually launched, on the basis of debit documents.

2.2.8. Interest will be calculated on the amount of actual debt, the Bank will not charge bank fees and commissions on the commitment of the loan, i.e. the balance of the unused part of the loan.

2.2.9. The loan in the amount of PLN 1,960,000.00 (in words: one million nine hundred sixty thousand zlotys 00/100) intended for the repayment of previously taken loans and advances will be repaid over a period of 9 years in quarterly installments:

• in 2024, repayment of 4 installments of PLN 25,000.00 each,

• in 2025, repayment of 4 installments of PLN 25,000.00 each,

• in 2026, repayment of 4 installments of PLN 25,000.00 each,

• in 2027, repayment of 4 installments of PLN 52,500.00,

• in 2028, repayment of 4 installments of PLN 52,500.00 each,

• in 2029, repayment of 4 installments of PLN 52,500.00 each,

• in 2030, repayment of 4 installments of PLN 52,500.00 each,

• in 2031, repayment of 4 installments of PLN 102,500.00 each,

• in 2032, repayment of 4 installments of PLN 102,500.00.

2.2.10.The loan will be granted for a period of 9 years with a repayment period starting from 31 March 2024 at the latest.

2.2.11.The grace period for loan repayment is set until 30.03.2024.

2.2.12.The Ordering Party reserves the right to repay early without incurring additional fees and commissions. The Ordering Party shall notify the Contractor in writing about the date of repayment date within 2 days before the repayment date. (Notification will be given in person, by e-mail or fax).

2.2.14.The Ordering Party allows the adoption of a real calendar when calculating interest