Provision of a long-term credit of 73,000,000 PLN to the City of Nowy Sącz for budget deficit financing and previous obligations, with monthly repayments starting from January 2024, secured by a blank promissory note countersigned by the City Treasurer, to be disbursed in tranches in Q4 2023, with a fixed bank margin throughout the 8-year repayment period based on WIBOR 1M rate, and monthly interest calculated based on WIBOR 1M plus a fixed margin, with the client committing to repay interest without prior notice, and the possibility of early repayment with a 7-day notice period.