Poland – Credit granting services – Udzielenie i obsługa kredytu długoterminowego w wysokości do kwoty 26 000 000,00 zł (słownie: dwadzieścia sześć milionów złotych, 00/100) z przeznaczeniem na sfinansowanie planowanego w roku 2026 deficytu budżetu.

The subject of the contract is the provision and servicing of a long-term loan up to the amount of 26 000 000,00 PLN (in words: twenty-six million zlotys, 00/100) intended to finance the budget deficit planned for 2026. 2. Other provisions relating to the subject of the contract: Basic loan data 1/ long-term loan for financing the budget deficit planned for 2026, 2/ loan amount up to 26 000 000,00 PLN (in words: twenty-six million zlotys, 00/100), 3/ loan period: from the date of loan activation until 15 December 2037 (the final loan repayment date is planned for 30 November 2037, the repayment of interest for the last settlement period is planned for 15 December 2037) 4/ the loan will be drawn down in tranches from the date of signing the contract until 31 December 2026, where: a) I tranche by the estimated date of 08 December 2026 - amount up to 13 000 000,00 PLN (in words: thirteen million zlotys, 00/100), b) II tranche by the estimated date of 28 December 2026 - amount up to 13 000 000,00 PLN (in words: thirteen million zlotys, 00/100), 5/ the dates and amounts of the tranches indicated in point 4 are planned and maximum and may change depending on the actual financial needs of the Borrower (Purchaser) resulting from the implementation of the budget of the Municipality of Nowy Targ, 6/ the amount of the loan tranches and the date of making the funds available to the Borrower (Purchaser) will be determined by the Borrower submitting a request for funds 2 business days before the date of making the funds available to the Borrower, 7/ the amount of the utilised loan is interest-bearing at an annual rate, according to a variable interest rate. The interest rate is equal to the reference rate increased by the bank's margin, 8/ the reference rate is the WIBOR 1M rate, which is the interest rate for interbank deposits of 1 month, calculated as the average of the last month preceding the month for which interest is accrued. The WIBOR 1M for the month preceding the month for which interest is accrued is also taken into account for the first interest period, 9/ a change in the interest rate during the loan period is permitted only in the case of a variable WIBOR 1M rate. According to Article 92(1) of the Act of 29 August 2009 on Public Finances (i.e. Journal of Laws of 2025, item 1483, as amended), capitalisation of interest is not permitted, 10/ for calculating the interest on the loan in the offer, the base rate WIBOR 1M average value for 1 month noted in September of this year (from 08.09.2026), i.e. 3.7923% plus the bank's fixed margin and the planned schedule of drawing down and repaying capital. Further information is contained in the SWZ.