1. The subject of the contract is the service of granting and servicing a long-term loan up to the amount of PLN 10,000,000 for the purpose of financing the planned budget deficit of the Municipality of Tczew in 2023. 1) The loan will be made available to the Ordering Party from the first business day following the date of signing the contract until 29.12.2023. 2) Grace period for repayment of capital until 30.03.2025. 3) Loan period: from the date of conclusion of the agreement until 30/09/2033. 4) The date of commencement of repayment of loan principal installments after the grace period (the first payment date of the principal installment should fall on 31/03/2025). 5) The interest rate on the loan is determined on the basis of the variable WIBOR 3M rate and increased throughout the term of the contract by a fixed margin proposed by the Contractor/Bank (up to two decimal places), but the interest rate may not be lower than 0%. 2. A detailed description of the subject of the contract can be found in Annex 7 to the SWZ.

1.The subject of the contract is the service of granting and servicing a long-term loan up to the amount of PLN 10,000,000 for the purpose of financing the planned budget deficit of the Municipality of Tczew in 2023. 1.1. Characteristics of the loan: 1) In 2023, the Contractor shall grant the Contracting Authority a loan in the Polish currency in the amount of up to PLN 10,000,000 (in words: ten million zlotys) under the conditions specified in the SWZ. 2) The Ordering Party will allocate funds from the loan to finance the budget deficit of the Municipality of Tczew for 2023.3) The loan will be made available to the Contracting Authority from the first business day following the date of signing the contract until 29.12.2023.4) The loan will be transferred once at the request of the Ordering Party to its account kept in the bank selected to service the budget of the Municipality, within a maximum of _ business days from the date of submission of the request for payment by the Ordering Party (according to indication by the Contractor in the interactive Offer Form – the criterion for evaluating offers).5) Grace period in repayment of capital until 30.03.2025.6) Loan period: from the date of conclusion of the contract until 30.09.2033.7) Date of commencement of repayment of loan principal installments after the grace period (the first date of payment of the capital installment should be 31.03.2025).8) Repayment of capital will be made in 20 equal installments of PLN 500,000 each, of which: a) in the years 2025 – 2031 payable on the last day of the first and second quarter of each year, b) in the years 2032 – 2033 payable on the last day of the first, second and third quarter of each year. If the loan or interest repayment date falls on a non-working day, the Ordering Party shall make the required repayment of the loan installment or interest on the first business day following the designated repayment date.9) Interest payable on a quarterly basis – the first installment payable after the end of the quarter in which the loan tranche will be launched.10) Interest on the loan taken out will not be capitalized.11) The Contractor will charge interest on the actually used loan amounts, 12) The interest rate on the loan is determined on the basis of the variable WIBOR 3M rate and increased throughout the term of the contract by a fixed margin proposed by the Contractor/Bank (up to two decimal places), provided that the interest rate may not be lower than 0%.13) The Contracting Authority allows that in the event of liquidation of the WIBOR rate, by agreement of the parties, it is changed to the rate, which will replace the WIBOR rate or the rate most similar in size and nature to the WIBOR rate without costs charged to the Ordering Party.14) The Contractor's margin is fixed throughout the duration of the contract.15) The Ordering Party reserves the right to resign from using part of the loan without additional fees and costs.16) The interest rate and margin are the costs of servicing the loan.17) The loan may not be charged with a commission for granting the loan, on account of its early repayment, on account of placing the loan at the disposal of the Ordering Party and additional fees on account of annexes to the contract, changes in the loan schedule in terms of amounts and deadlines and on account of issuing certificates and other documents issued by the Contractor/Bank to the Ordering Party in connection with the concluded loan agreement.18) The Ordering Party reserves the right to extend the loan repayment date and change the amounts of individual repayment installments at the request of the Ordering Party / Borrower. 19) In particularly justified cases, it is allowed to change the provisions of the contract due to the occurrence of circumstances that could not be foreseen at the time of selecting the most advantageous offer.20) The form of loan security is a blank promissory note together with a promissory note declaration for the amount corresponding to the amount of debt under the loan used together with interest and other costs of the Contractor. The declaration must be countersigned by the Municipal Treasurer. The loan agreement may not contain a provision on consent to dispose of the Municipality's bank account. 2. A detailed description of the subject of the contract can be found in Annex 7 to the SWZ.