→ Umowa Kredytowa 3 → Börja lära dig / Ladda ner MP3 Flashcards

Fråga		Svar
Information Undertakings Obligations to provide regular financial and operational updates. börja lära sig		zobowiązania informacyjne
Facility Period The duration during which the loan agreement remains in effect. börja lära sig		okres kredytowania
audited financial statements Financial reports reviewed and verified by an independent auditor. börja lära sig		audytowane sprawozdania finansowe
ultimate Holding Company The top-level parent company in a corporate structure. börja lära sig		ostateczna spółka holdingowa
Shareholder The entity that owns shares in the Borrower. börja lära sig		udziałowiec
General Contractor The main party responsible for construction works. börja lära sig		generalny wykonawca
Tenant The party leasing the property from the Borrower. börja lära sig		najemca
best-effort basis A commitment to try, but without a strict guarantee. börja lära sig		w miarę możliwości
acceptable to the Agent Approved by the party representing the lenders. börja lära sig		zaakceptowany przez Agenta
authorized signatory A person legally empowered to sign documents on behalf of a company. börja lära sig		upoważniony przedstawiciel
true and fair view A standard indicating that financial statements accurately reflect the company’s financial position. börja lära sig		rzetelny i prawdziwy obraz
fairly presenting Representing financial data without distortion or bias. börja lära sig		uczciwie przedstawiający
balance sheet A financial statement showing assets, liabilities, and equity at a specific point in time. börja lära sig		bilans
profit and loss account A statement showing revenues, expenses, and profit over a period. börja lära sig		rachunek zysków i strat
notes to financial statements Additional explanations and disclosures accompanying the main financial statements. börja lära sig		noty do sprawozdań finansowych
generally accepted accounting principles (GAAP) Standardized accounting rules used to prepare financial statements. börja lära sig		ogólnie przyjęte zasady rachunkowości
consistently applied Applied in the same manner across reporting periods for comparability. börja lära sig		stosowane w sposób spójny
Compliance Certificate A formal statement confirming compliance with financial covenants. börja lära sig		certyfikat zgodności
Clause 20 (Financial covenants) The section of the agreement setting financial performance requirements. börja lära sig		klauzula 20 (wskaźniki finansowe)
Calculation Day The date on which financial covenant compliance is assessed. börja lära sig		dzień obliczeniowy
Net Rental Income Rental income after deducting operating costs and taxes. börja lära sig		dochód netto z najmu
return of income tax Tax refund received or receivable by the Borrower. börja lära sig		zwrot podatku dochodowego
authorised attorney-in-fact A person legally empowered to act on behalf of the Borrower. börja lära sig		upoważniony pełnomocnik
electronic signature A digital form of signature legally recognized for document authentication. börja lära sig		podpis elektroniczny
rules of representation Legal rules defining who can sign documents on behalf of a company. börja lära sig		zasady reprezentacji
Occupancy Permit Official approval to use a completed building. börja lära sig		pozwolenie na użytkowanie
Operating Budget A financial plan for the property’s operating expenses and revenues. börja lära sig		budżet operacyjny
rent-roll A schedule listing tenants, rental terms, and payments. börja lära sig		zestawienie najmu
arrears Amounts overdue and unpaid by tenants. börja lära sig		zaległości
statement of operations Summary of income and expenses related to property operations. börja lära sig		zestawienie operacyjne
tax certificate Official confirmation of tax compliance. börja lära sig		zaświadczenie podatkowe
Social Security Office (ZUS) Polish institution managing social security contributions. börja lära sig		Zakład Ubezpieczeń Społecznych
litigation / arbitration / administrative proceedings Legal processes involving disputes or regulatory issues. börja lära sig		postępowania sądowe / arbitrażowe / administracyjne
promptly upon becoming aware Immediately after learning of a relevant fact or event. börja lära sig		niezwłocznie po uzyskaniu wiedzy
reasonably request A request that is justified and not excessive. börja lära sig		uzasadnione żądanie
pre-agreed in writing Approved in advance through formal written agreement. börja lära sig		uprzednio pisemnie uzgodnione
Default A breach of the loan agreement, such as missed payments or covenant violations. börja lära sig		naruszenie / niewykonanie zobowiązania
remedy To take corrective action to fix a breach or issue. börja lära sig		usunąć / naprawić
certificate A formal document confirming a specific status or condition. börja lära sig		certyfikat / zaświadczenie
Material Adverse Effect A significant deterioration in financial, legal, or operational condition. börja lära sig		istotnie negatywny wpływ
Business Day A day on which banks are open for business, excluding weekends and holidays. börja lära sig		dzień roboczy
Know your customer (KYC) Regulatory process of verifying the identity and background of clients. börja lära sig		poznaj swojego klienta
money laundering Concealing the origins of illegally obtained money. börja lära sig		pranie pieniędzy
financing of terrorism Providing financial support to terrorist activities. börja lära sig		finansowanie terroryzmu
Constitutional Documents Legal documents defining the company’s structure and representation rules. börja lära sig		dokumenty założycielskie
Power and authority Legal and corporate capacity to enter into and perform agreements. E.g., The Borrower has the power and authority to sign the loan agreement. börja lära sig		uprawnienia i kompetencje
No limit exceeded The transaction does not breach internal or legal limits. E.g., The borrowing does not exceed corporate powers. börja lära sig		brak przekroczenia uprawnień
Authorisations Required approvals or permits. E.g., Board resolutions, licenses, or regulatory consents. börja lära sig		zezwolenia / zgody
Admissible in evidence Legally acceptable in court. E.g., The agreement is admissible in evidence in Poland. börja lära sig		dopuszczalne jako dowód
Legal Reservations Standard legal limitations on enforceability. E.g., Subject to insolvency or enforcement laws. börja lära sig		ograniczenia prawne
Deduction or withholding for Tax Withholding tax applied to payments. E.g., No tax deduction is required under Polish law. börja lära sig		potrącenie lub pobór podatku
Stamp duty Tax on legal documents. E.g., Stamp duty applies to powers of attorney. börja lära sig		opłata skarbowa
Filing / recording / enrolling Legal formalities for enforceability. E.g., Mortgages must be registered in the land register. börja lära sig		złożenie / rejestracja / wpis
Pledge registry / share register Official registers for security interests. E.g., Pledges must be registered. börja lära sig		rejestr zastawów / rejestr udziałów
Event of Default A breach of contract triggering lender rights. E.g., Non-payment or breach of covenants. börja lära sig		przypadek naruszenia
Reasonably likely A realistic and foreseeable possibility. E.g., No default is reasonably likely to occur. börja lära sig		uzasadnione ryzyko
Utilisation Drawing funds under the loan facility. E.g., No default will result from any Utilisation. börja lära sig		wykorzystanie
Grace period A time window to remedy a breach before it becomes a default. E.g., A missed payment may become a default after the grace period. börja lära sig		okres karencji
Termination event A situation allowing a party to terminate a contract. E.g., Cross-default clauses often define termination events. börja lära sig		zdarzenie uprawniające do rozwiązania umowy
Misleading in any material respect Information that could mislead a lender in making a decision. E.g., Omitting a major tenant default. börja lära sig		wprowadzające w błąd w istotnym zakresie
Valuer Independent expert who assesses property value. E.g., The Valuer relied on Borrower’s data. börja lära sig		rzeczoznawca
Legal Due Diligence Report Legal analysis of the Borrower or project. E.g., Lawyers prepare this report for the Lenders. börja lära sig		raport z badania prawnego
Withheld or omitted Failure to disclose relevant information. E.g., The Borrower must not withhold material facts. börja lära sig		zatajenie lub pominięcie
Financial projections Forecasts of future financial performance. E.g., Based on reasonable assumptions. börja lära sig		prognozy finansowe
Generally accepted accounting principles (GAAP) Standardy stosowane przy sporządzaniu sprawozdań finansowych. E.g., Polish GAAP or IFRS. börja lära sig		powszechnie przyjęte zasady rachunkowości
Fairly represent Accurately reflect the financial condition. E.g., The statements fairly represent the Borrower’s operations. börja lära sig		rzetelnie przedstawiać
Material adverse change (MAC) A significant deterioration in financial or business condition. E.g., No MAC has occurred since the last financials. börja lära sig		istotna negatywna zmiana
Consistently applied Accounting policies used uniformly over time. E.g., No change in depreciation method. börja lära sig		stosowane w sposób spójny
pari passu A legal term meaning that obligations rank equally in priority of payment. börja lära sig		równorzędny / na równi
unsecured creditor A creditor who does not have collateral backing their claim. börja lära sig		wierzyciel niezabezpieczony
unsubordinated creditor A creditor whose claims are not ranked below others in case of insolvency. börja lära sig		wierzyciel niepodporządkowany
mandatorily preferred by law Obligations that are given priority by law, such as tax debts. börja lära sig		ustawowo uprzywilejowany
Material Adverse Effect A significant negative change in the borrower's financial or legal condition. börja lära sig		istotnie negatywny wpływ
Environmental Claim A legal action related to environmental damage or non-compliance. börja lära sig		roszczenie środowiskowe
Environmental Law Regulations governing pollution, waste, and environmental protection. börja lära sig		prawo środowiskowe
Environmental Permit An official authorization to carry out activities affecting the environment. börja lära sig		pozwolenie środowiskowe
hazardous substance A material that poses risks to health or the environment. börja lära sig		substancja niebezpieczna
ordinary course of operating Routine business activities carried out in normal operations. börja lära sig		zwykły tryb działalności
to the best of its knowledge A phrase limiting liability based on known information at the time. börja lära sig		według najlepszej wiedzy
carried on any business To engage in commercial or operational activities. börja lära sig		prowadzić działalność
consistent with In line with or not contradicting the terms of another document. börja lära sig		zgodny z
interest in property A legal or beneficial right to own or use a property. börja lära sig		udział w nieruchomości
beneficial ownership Ownership that provides the benefits of property even if not in name. börja lära sig		faktyczne posiadanie
unlimited liability A situation where an entity is fully liable for its debts. börja lära sig		nieograniczona odpowiedzialność
material liabilities Significant financial obligations that may affect solvency. börja lära sig		istotne zobowiązania
contingent liability A potential obligation depending on a future event. börja lära sig		zobowiązanie warunkowe
ordinary course of business Regular, routine operations of a company. börja lära sig		zwykły tryb działalności
aggregate amount The total sum of all items combined. börja lära sig		łączna kwota
Agent A party appointed to manage financial transactions on behalf of lenders. börja lära sig		agent
Existing Accounts Bank accounts already approved and in use by the Borrower. börja lära sig		istniejące rachunki
duly and punctually Properly and on time, in accordance with legal or contractual obligations. börja lära sig		należycie i terminowo
discharged To pay off or settle a financial obligation. börja lära sig		uregulowany / spłacony
Taxes imposed upon Taxes legally levied on a person or entity. börja lära sig		podatki nałożone na
incurring interest or penalties Becoming liable for additional charges due to late payment. börja lära sig		naliczanie odsetek lub kar
contested in good faith Disputed honestly and with legitimate reasons. börja lära sig		kwestionowany w dobrej wierze
appropriate means Legal or procedural methods suitable for the situation. börja lära sig		odpowiednie środki
validly made request A formally submitted and legally acceptable application. börja lära sig		prawidłowo złożony wniosek
Tax returns Official documents filed with tax authorities reporting income and taxes owed. börja lära sig		zeznania podatkowe
claims asserted Legal demands or accusations made against a party. börja lära sig		roszczenia zgłoszone
reasonably likely A realistic possibility based on known facts or circumstances. börja lära sig		uzasadnione prawdopodobieństwo
valid title A legally recognized ownership right to an asset. börja lära sig		ważny tytuł prawny
Transaction Security Assets pledged to secure the obligations under the finance documents. börja lära sig		zabezpieczenie transakcyjne
encumbrance A legal claim or restriction on a property, such as a lien or easement. börja lära sig		obciążenie
easement A right to use part of a property for a specific purpose (e.g., utility access). börja lära sig		służebność
Land and Mortgage Registers Official public records of property ownership and encumbrances. börja lära sig		księgi wieczyste
subsidence The gradual sinking of land, which can damage buildings. börja lära sig		osiadanie gruntu
material damage Significant physical harm that affects the value or usability of an asset. börja lära sig		istotne uszkodzenie
structural defect A flaw in the building’s structure that may compromise safety or value. börja lära sig		wada konstrukcyjna
good faith Acting honestly and without intent to deceive. börja lära sig		dobra wiara
impede To obstruct or hinder progress or use. börja lära sig		utrudniać
mortgage A legal charge over property to secure a loan. börja lära sig		hipoteka
Security A legal right over assets to secure repayment of a loan. börja lära sig		zabezpieczenie
Negative pledge A clause preventing the borrower from creating additional security interests. börja lära sig		zakaz ustanawiania zabezpieczeń
first ranking priority The highest level of priority in case of enforcement or liquidation. börja lära sig		pierwszeństwo w kolejności zaspokojenia
pari passu ranking Equal ranking with other creditors or security holders. börja lära sig		równorzędna kolejność zaspokojenia
share capital The total value of shares issued by a company. börja lära sig		kapitał zakładowy
fully paid Shares for which the full purchase price has been paid. börja lära sig		w pełni opłacony
option to purchase A contractual right to buy shares at a future date. börja lära sig		opcja zakupu
Constitutional Documents Legal documents that define the structure and rules of a company (e.g., articles of association). börja lära sig		dokumenty założycielskie
restrict or inhibit To prevent or make difficult the execution of certain actions. börja lära sig		ograniczać lub utrudniać
enforcement of the Security The process of realizing the value of security in case of default. börja lära sig		wykonanie zabezpieczenia
owns and controls Has legal ownership and decision-making authority. börja lära sig		posiada i kontroluje
insolvent Unable to pay debts as they become due. börja lära sig		niewypłacalny
threatened with insolvency At risk of becoming insolvent based on financial condition. börja lära sig		zagrożony niewypłacalnością
Transaction Document Any agreement related to the financing transaction. börja lära sig		dokument transakcyjny
winding-up The process of closing a company and distributing its assets. börja lära sig		likwidacja
dissolution Legal termination of a company’s existence. börja lära sig		rozwiązanie
restructuring / reorganisation Changing the structure or operations of a company to improve viability. börja lära sig		restrukturyzacja / reorganizacja
liquidation Selling assets to pay off debts, often in insolvency. börja lära sig		upadłość / likwidacja
receiver / administrator / trustee A person appointed to manage a company’s assets during insolvency. börja lära sig		syndyk / zarządca / powiernik
foreign bankruptcy proceedings Insolvency processes initiated in another jurisdiction. börja lära sig		zagraniczne postępowania upadłościowe
rescheduling / refinancing Adjusting payment terms or replacing debt with new financing. börja lära sig		zmiana harmonogramu / refinansowanie
Obligor A party that has obligations under the finance documents. börja lära sig		zobowiązany
immunity from suit Legal protection preventing a party from being sued. börja lära sig		immunitet od pozwu
execution / attachment Legal processes to enforce a judgment or secure assets. börja lära sig		egzekucja / zajęcie
legal process Any formal legal action or proceeding. börja lära sig		procedura prawna
Authorisation Official permission required by law or regulation. börja lära sig		zezwolenie / zgoda
Building Permit Legal approval to begin construction. börja lära sig		pozwolenie na budowę
Environmental Permit Authorization to carry out activities affecting the environment. börja lära sig		pozwolenie środowiskowe
transferred to Legally assigned or moved to another party. börja lära sig		przeniesione na
Project Documents Contracts and materials defining the scope and terms of a development project. börja lära sig		dokumenty projektowe
material amendments Significant modifications that affect the substance of a document. börja lära sig		istotne zmiany
Agent A party representing the lenders and overseeing compliance. börja lära sig		agent
Intellectual Property Creations of the mind, such as designs, inventions, and trademarks. börja lära sig		własność intelektualna
legal and beneficial owner A person who holds legal title and enjoys the benefits of ownership. börja lära sig		właściciel prawny i faktyczny
licence Permission to use intellectual property under agreed terms. börja lära sig		licencja
Final Completion Date The date by which the project must be fully completed. börja lära sig		data ostatecznego zakończenia
infringe To violate someone’s legal rights, especially intellectual property. börja lära sig		naruszać
challenge to validity A legal dispute questioning whether a right or document is legally enforceable. börja lära sig		zakwestionowanie ważności
Required Equity Contribution The amount of equity the borrower must invest in the project. börja lära sig		wymagany wkład kapitałowy
Subordinated Loan A loan that ranks below other debts in case of liquidation. börja lära sig		pożyczka podporządkowana
Material Adverse Effect A significant negative change in financial or legal condition. börja lära sig		istotnie negatywny wpływ
Original Financial Statements The initial financial reports used as a reference point in the agreement. börja lära sig		pierwotne sprawozdania finansowe
Repeating Representations Representations that are deemed to be repeated at regular intervals (e.g., interest payment dates). börja lära sig		powtarzalne oświadczenia
deemed to be repeated Considered as restated without needing a new formal declaration. börja lära sig		uznawane za ponownie złożone
Interest Payment Date The scheduled date on which interest is due under the loan agreement. börja lära sig		dzień płatności odsetek
without undue delay As soon as reasonably possible, without unnecessary postponement. börja lära sig		bez zbędnej zwłoki
no longer true or valid A statement that has become incorrect or inapplicable due to changed circumstances. börja lära sig		już nieprawdziwe lub nieważne
Currency indemnity Compensation for losses due to currency conversion. E.g., The Borrower must cover FX losses if payment is made in the wrong currency. börja lära sig		odszkodowanie walutowe
Receivable Amount due to be received. E.g., The receivable is denominated in EUR. börja lära sig		należność
Conversion rate Exchange rate used to convert currencies. E.g., Based on the Lender’s internal rate. börja lära sig		kurs przeliczeniowy
Court enforcement proceedings Legal process to recover debt. E.g., Payment obtained through court enforcement. börja lära sig		postępowanie egzekucyjne
Hedge Documents Contracts for financial hedging (e.g., swaps). E.g., Currency indemnity does not apply to Hedge Documents. börja lära sig		dokumenty zabezpieczające
Other indemnities Compensation for specific costs not covered elsewhere. E.g., Costs due to Event of Default. börja lära sig		inne odszkodowania
Event of Default A breach of contract triggering lender rights. E.g., Non-payment or covenant breach. börja lära sig		przypadek naruszenia
Utilisation Request A formal request to draw funds. E.g., The Borrower submitted a Utilisation Request. börja lära sig		zlecenie wykorzystania
Prepayment notice Notice from the Borrower to repay early. E.g., Costs arise if the Borrower fails to prepay as notified. börja lära sig		zawiadomienie o przedterminowej spłacie
Documented costs Costs supported by evidence. E.g., Legal fees, funding costs, etc. börja lära sig		udokumentowane koszty
Indemnity to the Agent Compensation for losses or costs incurred by the Agent. E.g., The Borrower must indemnify the Agent for investigation costs. börja lära sig		odszkodowanie na rzecz Agenta
Reasonably believes Based on objective, rational judgment. E.g., The Agent reasonably believes a Default occurred. börja lära sig		uzasadnienie uważa
Properly documented cost Cost supported by evidence (e.g., invoices). E.g., Legal fees must be properly documented. börja lära sig		należycie udokumentowany koszt
Instruction A directive or order given to the Agent. E.g., The Agent relied on an instruction from the Borrower. börja lära sig		instrukcja
Mitigation Steps to reduce or avoid negative consequences. E.g., The Lender may transfer obligations to mitigate costs. börja lära sig		działania ograniczające
Affiliate A company related by ownership or control. E.g., Rights may be transferred to an Affiliate. börja lära sig		jednostka powiązana
Limitation of liability Restriction on obligations or liability. E.g., The Lender is not obliged to mitigate if it would be prejudicial. börja lära sig		ograniczenie odpowiedzialności
Prejudicial Likely to cause harm or disadvantage. E.g., The Lender may refuse mitigation if it is prejudicial. börja lära sig		szkodliwy / niekorzystny
Reasonably incurred Costs that are fair and justifiable. E.g., The Borrower must reimburse reasonably incurred expenses. börja lära sig		poniesione w uzasadniony sposób
Transaction expenses External costs related to preparing and executing the loan. E.g., Legal and notary fees. börja lära sig		koszty transakcyjne
Perfection Legal process of making a security interest enforceable. E.g., Registration of mortgage. börja lära sig		ustanowienie (zabezpieczeń)
Legal Due Diligence Report Legal review of the project or borrower. E.g., Required before first disbursement. börja lära sig		raport z badania prawnego
Separately pre-agreed Agreed in advance between parties. E.g., Costs must be pre-agreed to be reimbursed. börja lära sig		uprzednio uzgodnione
Amendment A modification to the terms of the agreement. E.g., The Borrower requested an amendment to the repayment schedule. börja lära sig		zmiana (umowy)
Waiver A formal relinquishment of a contractual right. E.g., A waiver of a financial covenant. börja lära sig		zrzeczenie się prawa
Consent Formal approval by the Lenders or Agent. E.g., Consent to release a security. börja lära sig		zgoda
Duly documented Supported by proper evidence (e.g., invoices). E.g., Only duly documented costs are reimbursed. börja lära sig		należycie udokumentowany
Pre-agreed Agreed in advance between parties. E.g., Costs must be pre-agreed to be reimbursed. börja lära sig		uprzednio uzgodniony
Representation and Warranty A formal statement of fact made by the Borrower. E.g., The Borrower represents it is duly incorporated. börja lära sig		oświadczenie i zapewnienie
Duly incorporated Legally formed under applicable law. E.g., A limited liability company under Polish law. börja lära sig		należycie zarejestrowany
Centre of Main Interests (COMI) The main place of business for insolvency purposes. E.g., COMI is in Poland. börja lära sig		centrum interesów gospodarczych
Establishment A place of operations in another jurisdiction. E.g., The Borrower has no establishment outside Poland. börja lära sig		zakład
Regulation (EU) 2015/848 EU regulation on cross-border insolvency proceedings. E.g., Defines COMI and establishment. börja lära sig		rozporządzenie UE 2015/848
Gross-up Increasing a payment to offset tax deductions. E.g., The Borrower must gross-up payments to ensure the Lender receives the full amount. börja lära sig		bruttowanie
Tax Deduction Withholding tax required by law. E.g., If a tax deduction applies, the Borrower must gross-up. börja lära sig		potrącenie podatkowe
Net amount Amount received after deductions. E.g., The Lender must receive the net amount as if no tax was withheld. börja lära sig		kwota netto
Pursuant to provisions of law As required by applicable legislation. E.g., Tax deductions may be required pursuant to law. börja lära sig		zgodnie z przepisami prawa
Indemnities Obligations to compensate for losses or damages. E.g., The Borrower shall indemnify the Lender for any tax-related losses. börja lära sig		odszkodowania
Qualifying Lender A lender that meets tax treaty or domestic law conditions to receive payments without withholding. E.g., No gross-up applies if the Lender is not a Qualifying Lender. börja lära sig		kwalifikowany kredytodawca
Treaty Lender A lender entitled to tax benefits under a double tax treaty. E.g., A Treaty Lender must provide tax documents. börja lära sig		kredytodawca traktatowy
Published practice or concession Official tax authority guidance or relief. E.g., Changes in published practice may affect gross-up obligations. börja lära sig		opublikowana praktyka lub ulga
Procedural formalities Administrative steps to obtain tax exemption. E.g., Filing forms to avoid withholding tax. börja lära sig		formalności proceduralne
Stamp duty A tax on legal documents. E.g., The Borrower must reimburse stamp duties. börja lära sig		opłata skarbowa
Registration fees Fees for registering legal documents. E.g., Payable in connection with security documents. börja lära sig		opłaty rejestracyjne
VAT (Value Added Tax) Tax on goods and services. E.g., VAT may apply if tax law changes. börja lära sig		podatek VAT
Exclusive of VAT Not including VAT. E.g., All amounts are deemed exclusive of VAT. börja lära sig		netto (bez VAT)
Reimbursement Repayment of expenses. E.g., The Borrower shall reimburse the Lender for VAT on costs. börja lära sig		zwrot kosztów
Not entitled to deduction Cannot recover VAT. E.g., VAT is payable if the Lender is not entitled to deduction. börja lära sig		bez prawa do odliczenia
Increased Costs Additional costs due to legal or regulatory changes. E.g., The Borrower must reimburse Increased Costs. börja lära sig		zwiększone koszty
Basel III / CRD IV International banking regulations on capital and liquidity. E.g., New Basel III rules may increase costs. börja lära sig		Bazylea III / CRD IV
Proportionally Allocated based on share or exposure. E.g., Costs are calculated proportionally if affecting a class of loans. börja lära sig		proporcjonalnie
Compliance Adhering to laws or regulations. E.g., Costs incurred due to compliance with new rules. börja lära sig		zgodność / przestrzeganie
Demand by the Agent Formal request for payment. E.g., The Borrower must pay within 10 days of the Agent’s demand. börja lära sig		żądanie Agenta

Umowa kredytowa 3

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