Poland – Credit granting services – UDZIELENIE DŁUGOTERMINOWEGO KREDYTU BANKOWEGO DO WYSOKOŚCI 5.000.000,00 ZŁ Z PRZEZNACZENIEM NA PRZYPADAJĄCE DO SPŁATY W ROKU 2026 ZOBOWIĄZANIA Z TYTUŁU KREDYTÓW W KWOCIE 1.600.000,00 ZŁ ORAZ POKRYCIE DEFICYTU BUDŻETU W KWOCIE 3.400.000,00 ZŁ

The subject of the contract is the provision of a long-term bank loan up to 5.000.000,00 PLN intended for the repayment of obligations due in 2026 arising from loans taken out in previous years in the amount of 1.600.000,00 PLN, as well as covering the budget deficit in the amount of 3.400.000,00 PLN. 2. The loan period is set from November 2026 to December 2038. 3. The grace period for capital repayment is 51 months. 4. Capital repayment by 15.12.2038 (repayment in monthly instalments). 5. The due date for the first capital instalment is 15.03.2031. 6. Interest instalment repayment date: by the 15th of each month following the month for which they were calculated, the last instalment is paid together with the capital repayment. 7. Instalments are payable in monthly periods by the 15th of each month. 8. Instalment amounts: 1) 2031 - 10 instalments of 50.000,00 PLN each; 2) 2032 – 11 instalments of 41.500,00 PLN each and 1 instalment of 43.500,00 PLN; 3) 2033 – 11 instalments of 16.500,00 PLN each and 1 instalment of 18.500,00 PLN; 4) 2034 – 11 instalments of 16.500,00 PLN each and 1 instalment of 18.500,00 PLN; 5) 2035 – 11 instalments of 16.500,00 PLN each and 1 instalment of 18.500,00 PLN; 6) 2036 - 11 instalments of 133.000,00 PLN each and 1 instalment of 137.000,00 PLN; 7) 2037 - 11 instalments of 133.000,00 PLN each and 1 instalment of 137.000,00 PLN; 8) 2038 - 11 instalments of 16.500,00 PLN each and 1 instalment of 18.500,00 PLN. 9. Interest will be repaid in monthly periods, only on the amount of the loan actually utilised. 10. For the calculation of interest, the actual number of days in each month is taken into account, and the year is considered to be 365 days. 11. Interest rate changes will be made quarterly on the first working day of each quarter, based on the WIBOR 3M rate applicable on the last working day of the previous quarter, increased by the bank's margin. 12. The loan will be made available to the contractor within a maximum of 2 working days from the date of signing the contract, in a maximum of two tranches by 31 December 2026, with the first tranche being made available by 30 November 2026. 13. The loan will not be subject to any charges other than those listed in the SWZ. 14. The borrower will have the right to not utilise the full loan amount and the right to early repayment of the loan without additional costs. 15. The contractor does not foresee any bank charges or commissions on the loan granted. 16. There are no enforcement charges on the bank accounts. 17. The Municipality does not have outstanding obligations to banks. 18. No recovery programme has been conducted in the Municipality under the Public Finance Act. 19. No enforcement actions have been initiated through a court bailiff at the request of banks in the Municipality. 20. The contractor does not have obligations arising from the purchase of receivables, forfaiting, factoring, eFinancing, leasing. 21. The contractor has not provided guarantees and sureties to other entities. 22. The loan will be secured by a blank promissory note together with a promissory note declaration, unless the Contractor waives the loan security. The Municipality's Treasurer will affix a countersignature to the promissory note and the promissory note declaration. 23. The contractor requires employment under an employment contract by the Contractor or Subcontractor of persons performing the activities indicated below during the implementation of the contract: a person performing the function of a bank advisor responsible for contacts and relations with the contractor. 24. During the implementation of the contract, the contractor is entitled to carry out control activities towards the contractor regarding the fulfilment by the contractor or subcontractor of the requirement to employ persons performing the activities indicated in point 23. 25. In particular, the contractor is entitled to: - requesting statements and documents to confirm compliance with the above requirements and assessing them, - requesting explanations in case of doubts regarding the confirmation of compliance with the above requirements, - carrying out an on-site inspection of the service provision. 26. In case of justified doubts regarding compliance with labour law by the contractor or subcontractor, the contractor may request an inspection by the State Labour Inspectorate. 27. Contract designation according to the Common Procurement Vocabulary (CPV): CPV 66113000-5 Credit services The contract will not be divided into parts, each of which would constitute a separate contract subject. The scope and subject of the contract do not limit competition, dividing the contract into parts would involve coordinating the actions of different contractors implementing individual parts of the contract, which could seriously threaten the proper implementation of the contract. The contractor envisages the application of the so-called reverse procedure, as referred to in Article 139(1) of the Public Procurement Law, i.e. the contractor will first carry out an examination and evaluation of offers, and then carry out a subjective qualification of the contractor whose offer was highest rated, in terms of the absence of grounds for exclusion and compliance with the conditions for participation in the procedure. The contractor does not envisage an electronic auction. The contractor does not conduct proceedings for the conclusion of a framework agreement.