Poland – Credit granting services – „Zaciągnięcie długoterminowego kredytu w wysokości 10.000.000,00 zł, na pokrycie planowanego deficytu budżetu Gminy Fabianki”

1. The subject of the contract is the acquisition of a long-term loan to cover the planned deficit. 2. Loan amount – 10,000,000.00 PLN 3. The loan will be disbursed in tranches from the date of signature of the contract to 31 December 2026, based on the purchasing entity's payment instructions, specifying the amount to be paid. 4. The contracting entity requires that the loan funds be made available no later than 2 business days from the date of the request. 5. Final loan utilisation deadline – 31 December 2026. 6. The contracting entity reserves the right to waive the use of part of the loan without incurring additional costs. 7. The contracting entity reserves the right to completely waive the loan without incurring additional costs. 8. The loan will be repaid from the Municipality's own revenues by – 2040. 9. The contracting entity reserves the right to repay the loan early, without incurring additional costs. 10. Loan repayment grace period (principal) – until 30 March 2027. 11. The first instalment will be repaid on 31 March 2027. 12. Loan repayment method – in fixed quarterly instalments per year, interest repayment – decreasing; 13. Interest will be calculated monthly on the actually utilised funds. For interest calculation, the actual number of days the loan is utilised will be taken into account in relation to 365/366 days in a year. Interest (in the offer) should be included from the expected initial loan utilisation date. 14. Commission payable once; 15. Interest will be repaid in monthly instalments and will end upon full repayment of the loan, i.e. in the event that the loan is repaid earlier, interest will be calculated until the date of loan repayment, not until the end of the contract period. 16. Form of loan security by the borrower: blank promissory note together with a promissory note declaration. 17. Loan repayments scheduled by year: - 2027 – 300,000.00 PLN - 2028 – 700,000.00 PLN - 2029 – 700,000.00 PLN - 2030 – 700,000.00 PLN - 2031 – 700,000.00 PLN - 2032 – 700,000.00 PLN - 2033 – 700,000.00 PLN - 2034 – 700,000.00 PLN - 2035 – 700,000.00 PLN - 2036 – 700,000.00 PLN - 2037 – 700,000.00 PLN - 2038 – 700,000.00 PLN - 2039 – 1,000,000.00 PLN - 2040 – 1,000,000.00 PLN 18. Possibility to change the repayment schedule without incurring additional costs. 19. For the purpose of comparing offers, it should be assumed that the loan will be disbursed on 17 December 2026. 20. Loans taken out: Kujawsko-Pomorski Fundusz Rozwoju: 1. loan 2025 – 672,121.20 PLN 2. loan 2024 – 453,458.74 PLN 3. loan 2024 – 502,695.00 PLN Loans nos. 1-2 – awaiting decision on loan write-off at 85%. Loans taken out: Status of indebtedness as of 30 September 2025 – loan – 2018 – 2,350,000.00 PLN – 1,025,000.00 PLN § 4. Contract performance deadline – from the date of signature of the contract to 31 December 2040.