‘Granting and servicing of a long-term loan in the amount of PLN 1,500,000.00 intended to finance the planned budget deficit of Lelów Municipality for 2026 and previously incurred liabilities’

… lower than PLN 1,500,000.00 and to repay the loan early without incurring additional costs (fees, commissions, etc.). e) The form of security - blank promissory note together with a promissory note declaration. f) The loan period from the date of signing the contract until 31 January 2039 or until the date of settlement of all obligations under the contract. g) The grace period for repayment of the loan until 31 October 2027. The grace period for repayment of interest is not provided for. h) Capital installments of the loan payable monthly, on the last working day of the month, starting from November 2027. Number of instalments: 135, of which; - 38 instalments of PLN 1.000.00 (from the amount of capital), i.e. in the period from November 2027 to December 2030, - 24 instalments of PLN 5,000.00 each (from the amount of capital), i.e. in the period from January 2031 to December 2032, - 12 instalments of PLN 17,800.00 each (from the amount of capital), i.e. in the period from January 2033 to December 2033, - 24 instalments of PLN 35,000.00 each (from the amount of capital), i.e. in the period from January 2034 to December 2035 - 12 instalments of PLN 23,000.00 each (from the amount of capital), i.e. in the period from January 2036 to December 2036, - 24 instalments of PLN 500.00 each (from the amount of capital), i.e. in the period from January 2037 to December 2038, - 1 instalment (last) in the amount of PLN 400.00 (from the amount of capital), i.e. in January 2039. by the last working day of each month, on the basis of a notification by the Bank. j) The interest rate on the loan will be changed on the basis of the WIBOR 3M rate. k) Base rate for determining the interest rate: – to the tender – at the WIBOR 3M rate as at the date of publication of the contract, i.e. 13 October 2026. For the calculation of the tender, the date of payment of the entire loan should be 13 November 2026 – to the contract – the interest rate on the loan on the date of conclusion of the contract is the sum of the WIBOR 3M rate from the tender plus the Contractor’s margin. When calculating interest for each subsequent interest period, the Contractor shall apply the WIBOR 3M rate on the last day of the month preceding the accounting month, increased by the Contractor's margin. The interest rate may be changed only as a result of a change in the WIBOR 3M rate, excluding the first month (WIBOR 3M from the offer applies). l) The loan may not be charged with a commission for granting the loan, for its early repayment, for placing the loan at the disposal of the customer and additional fees for annexes to the contract, for issuing certificates and other documents issued by the lender in connection with the loan agreement. m) For the determination of the amount of interest, a year is assumed equal to 365 days and the actual number of days in the month and the actual amount of the loan mobilised. n) The customer reserves the right to early repayment of all or part of the loan without additional fees and commissions on this account. o) Calculation of the amount of interest from the date of starting the loan for the customer. p) The bank's margin remains as a fixed value during the repayment period of the . loan