1. The subject of the contract is "Granting and servicing a long-term bank loan in the amount of PLN 4,841,649.28 for the Municipality of Susz" to finance the planned deficit of PLN 4,841,649.28. 2. The Bank will release the loan tranches until 30.12.2022. at the request of the ordering party. The bank will make the loan available within 3 days of signing the contract. 3. The currency of the loan Polish zloty (PLN). 4. Capital repayment period in the years 2024-2033 starting from 31.01.2024 (last installment 31.12.2033). 5. The repayment of the principal shall take place on a monthly basis, at the end of each month.

1. The principal shall be repaid on a monthly basis at the end of each month. Loan repayment in years and amounts: - in 2024 - PLN 400,000.00 (1 installment PLN 37,000.00; 11 installments of PLN 33,00.00), - in 2025 - PLN 400,000.00 (1 installment PLN 37,000.00; 11 installments of PLN 33,00.00), - in 2026 - PLN 400,000.00 (1 installment PLN 37,000.00; 11 installments of PLN 33,000.00), - in 2027 - PLN 200,000.00 (1 installment PLN 24,000.00; 11 installments of PLN 16,000.00), - in 2028 - PLN 200,000.00 (1 installment PLN 24,000.00; 11 installments of PLN 16,000.00), - in 2029 - PLN 400,000.00 (1 installment PLN 37,000.00; 11 installments of PLN 33,00.00), - in 2030 - PLN 600,000.00 (12 installments of PLN 50,000.00), - in 2031 - PLN 800,000.00 (1 installment PLN 74,000.00; 11 installments of PLN 66,000.00 each), - in 2032 - PLN 800,000.00 (1 installment PLN 74,000.00; 11 installments of PLN 66,000.00), - in 2033 - PLN 641,649.28 (1 installment PLN 58,649.28: 11 installments of PLN 53,000.00). 2. Repayment of interest from 31 January 2024 on a monthly basis. Interest due will be calculated for each day on the actual funds used, assuming the actual number of calendar days in the month and year. The Bank will notify the Borrower about the amount of interest each time, in writing, at the same time providing the amount of loan repayment applicable in a given month. The above-mentioned notification may be sent by fax or to the following e-mail address: finanse6@susz.pl no later than 5 days before the payment date. 3. The date on which the receivables are credited to the Bank's account shall be taken as repayment of interest and principal instalments. If the due date for payment of interest or principal instalments falls on a Saturday, Sunday, public holiday or other public holiday, interest or principal instalments shall be paid on the first working day following the set repayment date. 4. Interest rate on the loan – will be calculated according to the variable 3M WIBOR rate set 2 business days before the end of the quarter and effective from the 1st day of the next quarter, increased by the bank's fixed margin. 5. Interest in the amount of 1.50 times the margin plus WIBOR 3M specified in point 4 shall be charged on the unpaid capital debt. 6. The repayment of the loan will be secured by a blank promissory note together with a promissory note declaration. 7. The purchaser shall have the right to repay the credit in whole or in part early without incurring any additional charges and without prior notice to the creditor. 8. The Ordering Party reserves the right not to use the credit in full without incurring additional fees. 9. The Ordering Party reserves the right to receive all documents related to the loan granted, including, among others, bank opinions, annexes to the loan agreement, without incurring additional fees or commissions. 10. The loan may not be charged with other fees and commissions. 11. Interest capitalisation shall not be permitted. 12. For the calculation of the offer price, the WIBOR 3M rate should be adopted – 6.80% and the date 18.07.2023.