Millennium MasterCard World Signia

CARD DESCRIPTION

Millennium MasterCard World Signia credit card is above all a convenient and practical payment
instrument which can be used to pay for goods and services in millions of retail outlets in Poland
and worldwide. Travelling abroad you do not have to worry about currency exchange because all
card transactions are cleared in Polish zlotys.

Millennium MasterCard World Signia also provides easy access to cash. If needed you can get a cash advance in
the local currency in any cash machine bearing the MasterCard symbol or in a bank which is a MasterCard association
member.

People who like online shopping from the comfort of their home can also pay with their card.

The card supports PayPass^TM functionality which permits making contactless payments for any amount, without
the need to confirm them with a PIN number or signature up to PLN 50. This is the quickest and most convenient
way to pay for minor shopping.

Detailed information is available in Bank Millennium Financial Centres, by calling the Private Banking
Line 801 115 115 or the fixed line number +48 22 598 40 41 (for international or mobile calls).

PROGRAMS

WORLD MASTERCARD REWARDS PROGRAMME

World MasterCard Rewards is a special programme for holders of the unique Millennium MasterCard World Signia
card. Each payment with the card gives an additional benefit to its holder. From the activation of the card after
each cashless transaction points are automatically added to the holder's individual account in the programme.

After logging on to the World MasterCard Rewards platform or calling the Private Banking Line you can check the
number of accumulated points and redeem them for air tickets or other benefits. Link to the platform is here.

To bring the programme participants closer to the interesting rewards points can also be got by paying with the
Millennium World Debit MasterCard card. Also points for payments with use of the supplementary card issued to
Millennium MasterCard World Signia basic card made by the programme participant's relatives are also added.

A special offer remains valid until end of June 2012. What is needed is to gather 20,000 points
to order a ticket for a European flight. Details are available in the Regulations, available from
Private Banking Relationship Managers in Financial Centres and here.

WORLD SIGNIA PARTNER PROGRAMME EUROPE

World Signia Partner Programme Europe is a special programme of privileges for holders of the prestigious Millennium
MasterCard World Signia card offering rebates and special deals worldwide. It provides a wide range of unique
benefits offered by the most renowned R&R partners. Also the best car rental companies are available. Holders
of the Millennium MasterCard World Signia credit card have a broad range of best services and privileges at their
disposal.

Examples of benefits available from selected hotels:

• higher standard room if available,
• earlier check-in,
• late check-out,
• guarantee of room availability,
• priority check-in.

Examples of benefits in selected car rental companies:

• free-of-charge car upgrade,
• preferential prices,
• free-of-charge car rental for a one-way drive,
• Fast Track line service.

Partners:

• hotel chains: Accor Global Hotels, Carlson Global Hotels (access code available at Private Banking Advisor),
  Global Hotel Alliance, Mandarin Oriental Global Hotels, Fairmont Hotels, Raffles Hotels, Swissotel,
• car rental: Avis (access code available at Private Banking Advisor), Hertz,
• plane rental: Oxford Jets (phone number where you can make reservations and obtain required information
  is available at the Private Banking Advisor).

PRIORITY PASS PROGRAMME

The Priority Pass Programme is an international pass to over 600 exclusive lounges at airports in over 100 countries
worldwide. A valid Priority Pass card gives its holders and their guests access to selected airport lounges and the
availability of various amenities and services regardless of travelling class and airline which provides the flight.

A named Priority Pass card is issued free-of-charge to holders of the Millennium MasterCard World Signia credit card.
The Bank will also not charge membership fees or fees for using the airport lounges. The Priority Pass card remains
valid for 3 years just as the Millennium MasterCard World Signia credit card. Before the end of its validity the card will
be automatically renewed and delivered by the Relationship Manager.

In case of loss or theft of the Priority Pass card this must be promptly reported to the Bank.

A list of available lounges, amenities and services as well as rules of the Priority Pass Programme are described on
the Priority Pass Programme website at www.prioritypass.com.

PACKAGES

INSURANCE PACKAGES

The insurance package gives holders of the Millennium MasterCard World Signia  credit card a feeling of security in
every situation in Poland and abroad. Availability of insurance cover is notwithstanding use of the card, while the
insurance covers both the card holder and his/her family members.

ASSISTANCE PACKAGE

The Millennium MasterCard World Signia  credit card holder is covered by the assistance package, which can
provide i.a. such services as:

TRAVEL ASSISTANCE:

• information about travel preparations (visas, passports, vaccinations, customs regulations, VAT rates, etc.),
• unforeseen repatriation,
• forwarding urgent messages,
• administration assistance,
• cash advance,
• baggage recovery and delivery,
• delivery of replacement personal items.

MEDICAL ASSISTANCE:

• doctor's visit,
• covering costs of medical treatment abroad,
• medical evacuation/repatriation,
• repatriation after medical treatment,
• a visit connected with an accident or sudden illness,
• hotel room during convalescence,
• repatriation of remains,
• return of children left unattended,
• medical monitoring of the insured person's next-of-kin,
• delivery of essential pharmaceuticals.

In the assistance services package experienced consultants provide assistance on the phone in many everyday
situations. Available 7/24, they provide support during private and business travel, in Poland and abroad, i.a.
when organising leisure activities or assistance in case of card loss abroad. A detailed description of assistance
rules is available here or from a Private Banking Advisor.

To get the assistance just call the Private Banking Line 801 115 115 or + 48 22 598 40 41
(mobile and international calls).

CONCIERGE PACKAGE

The holder of a Millennium MasterCard World Signia  credit card is covered by the concierge package, which can
provide such services as:

• booking air tickets and providing information concerning flights (upon the Customer's requests seats will be
  booked on a plane and tickets will be delivered),
• rent-a-car booking and information,
• car and chauffeur hire,
• providing information and advice about the travel destination,
• providing information concerning golf courses (upon the Customer's request golf course booking can be
  made),
• R&R booking and information,
• event tickets booking,
• hotel booking and information,
• news,
• restaurant table booking.

In the concierge package experienced consultants are available on the phone to help you in various everyday
situations, 24 hours a day, 7 days a week.

To use the services just call the Private Banking Line 801 115 115 or + 48 22 598 40 41 (for
mobile and international calls). A detailed description of concierge service rules is available
at Private Banking Advisor.