1. The subject of the contract is the granting of a long-term loan in the amount of up to PLN 5,000,000.00 for financing the planned budget deficit of the Municipality of Malechowo and repayment of loans and borrowings. 2. Currency: PLN 3. A loan of up to PLN 5 000 000.00 (in words: five million zlotys 00/100) will be launched in full or in tranches from the date of conclusion of the contract until 31 December 2025 at the written request of the Ordering Party sent in the form of a scan by electronic means. 4. Dispositions to release loan tranches may be submitted on a formula specified by the Contractor. 5. The contractor will transfer the funds from the loan by cashless transfer to the bank account of the Ordering Party at Bank Spółdzielczy in Sławno Branch in Malechów No 91 9317 1012 0040 0073 2000 0010. 6. Loan period: from the date of signature of the loan agreement until repayment, but no later than 31.07.2036. 7. The repayment of capital installments of the loan will take place in the years: 2026 – 2036. 8. The repayment of capital will take place from 31.01.2026 in quarterly installments, payable on the last working day of the first month of a given quarter, in accordance with the following schedule: 1) in 2026 - a quarterly installment of PLN 100,000.00, the amount of PLN 400,000.00 will be repaid; 2) in 2027 - a quarterly installment of PLN 100,000.00, the amount of PLN 400,000.00 will be repaid; 3) in the year 2028 - a quarterly installment of PLN 100,000.00, the amount of PLN 400,000.00 will be repaid; 4) in the year 2029 - a quarterly installment of PLN 100,000.00, the amount of PLN 400,000.00 will be repaid; 5) in 2030 - a quarterly installment of PLN 100,000.00, the amount of PLN 400,000.00 will be repaid; 6) in the year 2031 - a quarterly installment of PLN 100,000.00, the amount of PLN 400,000.00 will be repaid; 7) in the year 2032 - a quarterly installment of PLN 135 000.00, the amount of PLN 540.000.00 will be repaid; 8) in the year 2033 - a quarterly installment of PLN 135 000.00, the amount of PLN 540.000.00 will be repaid; 9) in the year 2034 - a quarterly installment of PLN 135 000.00, the amount of PLN 540.000.00 will be repaid; 10) in the year 2035 - a quarterly installment of PLN 135 000.00, the amount of PLN 540.000.00 will be repaid; 11) in 2036 – a quarterly instalment in the first two quarters of the year of PLN 110 000.00, the last quarterly instalment payable on the last working day of the first month of the third quarter, i.e. 31.07 in the amount of PLN 220 000.00, the amount of PLN 440 000.00 will be repaid; 9. Interest will be paid in 1-month periods, i.e. on the last working day of the month. 10. The first payment of interest should be made by the last working day of the month in which the loan was launched. 11. For the calculation of the amount of interest, the actual number of days in each month is taken in relation to the actual number of days in the year (365/365 and 366/366 in a leap year). 12. Interest will be charged only on the amount of the loan used, for the period from the date of starting the loan to the day before its repayment inclusive. 13. The Ordering Party reserves the right to early repayment of all or part of the loan by the Ordering Party at convenient dates for him. In such a situation, interest on the loan will be charged only on the current debt and for the actual period of its occurrence without charging the Ordering Party with any additional costs (e.g. commission). In the event that the loan is repaid in part or in full before the repayment date, interest will be calculated up to and including the day before the loan repayment date. 14. The Contractor shall inform the Ordering Party about the amount of interest to be paid electronically, at least 3 working days before the payment date. 15. The amount of credit used is interest-bearing on an annual basis, at a variable interest rate. The interest rate is equal to the reference rate plus the bank's margin. 16. The reference rate is the POLSTR 1M rate recorded on the first working day of a given month for which interest is charged. If POLSTR 1M reaches a negative value, it will be assumed that the POLSTR 1M rate will be 0 (in words: zero). 17. The Contractor's margin is fixed during the contractual loan period. 18. Changing the interest rate on the loan does not require an annexation of the loan agreement. 19. The Ordering Party does not provide for a preparatory commission in the cost of the loan. 20. The Ordering Party reserves the right to use the granted loan incompletely without incurring additional costs (e.g. commissions). The unused part of the loan will be counted towards the repayment of the last loan installments, starting from the last installment. 21. The Contractor will not charge a one-off commission for granting the loan, including for processing the application, for changing the terms of the concluded contract, for annexing the contract, for early repayment, for opening and servicing an account for the purposes of the loan and other non-listed. 22. The Ordering Party reserves the right to change the repayment schedule, without charging additional costs (e.g. commission) for this reason by the Contractor. In such cases, the Parties shall establish a new repayment schedule in the form of an addendum to the contract. 23. The loan may not be charged with fees other than those listed in the FTZ. 24. The loan will be secured by a blank promissory note together with a promissory note declaration, with the countersignature of the Commune Treasurer being submitted only on the promissory note declaration. 25. The Ordering Party shall not submit a declaration of submission to enforcement pursuant to Article 777(1)(5) of the Code of Civil Procedure 26. The Ordering Party's bank accounts are not subject to enforcement attachments. 27. The Employer has no outstanding obligations towards ZUS and US. 28. The Employer did not carry out a resolution program and does not proceed to its implementation within the meaning of the Act of 27 August 2009 on public finances. 29. The Ordering Party did not carry out debt collection activities at the request of banks through a court bailiff. c. d. in the FTZ
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