Provision and servicing of a long-term gold bank credit to finance the planned budget deficit of the Municipality of Szydłowo in 2023, including repayment of existing debts, with a minimum guaranteed amount of 500,000.00 PLN, a variable interest rate based on WIBOR 1M plus the bank's margin, repayable in 48 monthly installments starting from the first drawdown until November 30, 2036, with interest payments at the end of each month and a grace period for repayment until February 28, 2025.