The subject of the contract is "Granting and servicing a long-term bank loan in the amount of PLN 1,500,000.00 (one million five hundred thousand zlotys) to finance the budget deficit of the commune and repayment of liabilities due to loans taken". The contracting authority's goal is to fully implement the commune's own tasks planned in the commune's budget for 2022 and to repay loans taken out in previous years. The municipality lacks financial resources in the total amount of PLN 1,500,00.00, including to finance current and property tasks in the amount of PLN 810,000 and to repay loan installments in the amount of PLN 690,000.00. By taking out a loan, the unit wants to achieve the goal of full implementation of expenses planned in the commune budget and repayment of loan installments. Other information necessary to calculate the offer price: 1) Placing the loan at your disposal in one tranche on August 30, 2022 (this date is set only to calculate the offer price) in the amount of PLN 1,500,000.00. 2) The interest rate on the loan will be variable and will be determined according to the average WIBOR 1M rate (to calculate the offer price should be taken according to quotations as at June 6, 2022) increased by a fixed margin during the loan period. The average WIBOR 1M rate will be determined as the monthly arithmetic mean of the daily rates in force in the month preceding the period for which interest will accrue. 3) The interest rate on the loan will be set on the last business day of each month and will be valid for the entire period of the month following the month in which it was set. 4) Interest on the loan used will be calculated on a monthly basis and collected in quarterly periods on the last business day of the month ending the calendar quarter, for the period for which this interest was accrued, with the repayment of the last installment of interest taking place on November 30, 2042. 5) The use of the loan placed by the Bank at its disposal will take place in the form of transferring the loan to the account indicated by the Borrower, on the basis of the Borrower's instructions submitted to the bank. 6) The Ordering Party reserves the right to use the loan in an incomplete amount in the event of circumstances that could not have been foreseen in advance without financial consequences on the part of the Contractor with whom the contract will be signed.

7) Planned repayment dates and loan installments: 30.01.2023 – PLN 5,000, 30.01.2024 – PLN 5,000, 30.01.2025 – PLN 5,000, 30.01.2026 – PLN 5,000, 30.01.2027 – PLN 5,000, 30.01.2028 – PLN 5,000, 30.01.2029 – PLN 5,000, 30.01.2030 – PLN 5,000, 30.01.2031 – PLN 5,000, 30.01.2032 – PLN 5,000, 30.01.2033 – PLN 5,000, 30,01,2034 – PLN 5,000, 30.01.2035 – PLN 5,000, 30.09.2036 – PLN 5,000, 30.09.2037 – PLN 5,000, 30.09.2038 – PLN 5,000, 30.09.2039 – PLN 5,000, 30.09.2040 – PLN 100,000, 30.11.2041 – PLN 100,000, 31.07.2042 – PLN 500,000, 30.11.2042 – PLN 715,000. 8) The loan will be granted for the period from the date of signing the contract to 30.11.2042. 9) The Ordering Party has the right to use the loan in the amount lower than PLN 1,500,000.00, without incurring additional costs (fees, commissions, etc.). The loan will be used until 31 December 2022 ("on request", i.e. after a written instruction to activate the loan on the commune's account. 10) The loan may not be charged with other fees than those listed in the SWZ. 11) The municipality will not submit a declaration of submission to enforcement pursuant to Art. 777 .par. 1 point 5 of the Code of Civil Procedure.c. 12) Settlements between the Ordering Party and the Contractor will be made in Polish zlotys (PLN). 13) The Ordering Party agrees to the countersignature of the treasurer on the loan agreement, bill of exchange, bill of exchange declaration. 14) The Commune's accounts in banks are not subject to enforcement seizures. 15) The municipality has no outstanding liabilities in banks. 16) There was no remedial proceedings programme within the meaning of the Act of 27.08.2009 on public finances. 17) In the Municipality, debt collection activities initiated at the request of banks were not carried out through a court bailiff. 18) To calculate interest on the loan, the actual calendar should be used, i.e. the year 365/366 days (the actual number of days in the month). 19) The Ordering Party did not grant sureties and guarantees to other entities. 20) The Ordering Party has no outstanding liabilities towards ZUS or US. 21) The Ordering Party does not have entities related to the Commune. 22) The loan will be secured by a blank promissory note on the terms set out in the promissory note declaration. 23) The Borrower does not agree to introduce the following clause into the loan agreement: "If the WIBOR 1M rate reaches a level below 0 (zero), the parties to this agreement agree that until the base rate reaches a positive value, the WIBOR 1M base rate of 0 (zero) plus the Bank's margin will be used to calculate the interest rate". 24) The Ordering Party reserves the right to: a. early repayment of all or part of the loan without incurring additional commissions and fees without the need to obtain the bank's consent; b. resign from part of the loan granted without incurring additional commissions and fees without the need to obtain the bank's consent, c. postpone the repayment date of individual loan installments throughout the period covered by the contract, after prior notification of the bank of such an intention, without the need to incur additional costs resulting from the change in the loan repayment schedule, d. extending the loan repayment period after submitting an appropriate application to the bank, provided that you have the ability to repay the loan during the extended loan period. 25) The amount due for the commission will be payable once, at the latest on the day of starting the loan. 26) The loan may not be charged with other fees than those listed in the SWZ. 27) The Contractor will transfer funds to the Ordering Party's account in a timely manner. 28) The Ordering Party has no liabilities under title, purchase of receivables, forfaiting, factoring, eFinancing, leasing.