Individuals - Accounts, loans, mortgage credits, cards, deposits - Bank Millennium

For individual travel insurance products, the insurance coverage is provided by STU ERGO Hestia SA with headquarters in Sopot. For the detailed terms and conditions of insurance protection and complete list of exemptions and limitations of the insurer′s liability, see Travel Insurance Terms and Conditions for Bank Millennium Clients and Product Cards for travel insurance on the website www.bankmillennium.pl.

The insurance agreement is concluded by the Client with insurer through Bank Millennium SA (hereinafter referred to as the “Bank”), operating as an insurance agent. The Bank has been entered to the register of insurance agents kept by the Polish Financial Supervision Authority, under number 11162860/A. The travel insurance is addressed to the Bank′s clients who hold current account or credit card together with active access to the Bank’s Millenet online banking or Mobile Application. The baggage insurance, sports equipment insurance, extreme sports coverage, chronic illness coverage and car assistance cannot be purchased as a separate product and may be purchased only together with the aforementioned insurance package.

Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit cards:\nAnnual Percentage Rate (APR) is 15.24%, total loan amount (net of debt-financed costs): PLN 10,000,00, total amount due: PLN 10 883.13; variable interest rate 11,5%; total cost of the loan: PLN 883.13 (including: sum of monthly credit card fees PLN 142.89; interest PLN 740,24), with the assumption that the approved credit limit is used-up outright in the full amount as a non-cash transaction and is repaid in 12 equal monthly instalments of PLN 906.92. The calculation was made as of 5.01.2022 on a representative example.

Participants in the “Nowy rok z kartą kredytową Visa” (New Year with Visa credit card) promotion (hereinafter “Promotion”) who from 10 January to 28 February 2022 (“Promotion Period”) submit in Millenet or the Mobile App a contact request or a credit application (hereinafter “Application”) for a Millennium Visa Impresja or Millennium Visa Gold credit card (“the Card”), agree to receive commercial information and sign the Card agreement may get a digital code worth PLN 150 (hereinafter “Reward”) to be used through eKarta podarunkowa (eGift Card) in the Goodie app at Circle K fuel stations. The Reward shall be due for each period of three months specified in the “Nowy rok z kartą kredytową Visa” Promotion Regulations (hereinafter “Promotion Regulations”), in which the Participant makes non-cash transactions with the card (also optionally with use of BLIK Mobile payments linked to the credit card account) in the total amount of at least PLN 350 in each month. During the promotion one Participant may receive a maximum of two Rewards. Participants who during the period from 1 January 2021 had or have any main credit card of the Bank, or were pending processing in the Bank of instructions regarding resignation from any main credit card, shall not be eligible for the Reward. 10,000 Participants who are the first during the Promotion Period to submit their Application shall be eligible for the Reward. The Applications, which may qualify for the Reward, may be submitted until the pool of 10,000 Applications is exhausted, however not longer than until 28 February 2022. The Bank will inform promptly that the pool has been exhausted on https://www.bankmillennium.pl/klienci-indywidualni/karty-platnicze/karty-kredytowe/millennium-visa-mastercard-gold. Promotion Regulations are available on www.bankmillennium.pl (Support/Price lists and regulations/Payment cards bookmark).

Every holder of a Card issued during the Promotion Period, will have the monthly card fee waived in each of 12 consecutive calendar months, in which he made at least one non-cash transaction with the Card counting from the date the Card was issued.

Before granting a credit card the Bank evaluates the Applicant’s credit capacity and worthiness on a case-by-case basis; in justified cases it may refuse to grant the card. Fees, interest rate as well as other details are provided in the Regulations on Credit Cards Issued by Bank Millennium SA, Price List - Credit Cards - available in the Bank’s branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium at 801 331 331 (calls charged at operator’s tariffs).

Insurance cover is provided under individual motor insurance by STU ERGO Hestia SA with head office in Sopot. For detailed terms and conditions of insurance cover as well as the full list of Insurer’s liability exclusions and limitations see Terms and Conditions of Motor Insurance for Customers of Bank Millennium, Product Cards concerning the motor insurance and insurance product information documents, respectively, available on www.bankmillennium.pl.

The Insurance Agreement shall be concluded by the Customer with the Insurer via Bank Millennium SA (hereinafter: “the Bank”), acting in the capacity of insurance agent. The Bank is listed under No. 11162860/A in the Register of Insurance Agents kept by Polish Financial Supervision Authority (www.knf.gov.pl). Detailed information about the Bank’s activity as insurance agent required by the Act on insurance distribution, including fee information, principles for filing claims and complaints, and out-of-court settlement of disputes can be found in the Product Cards concerning this motor insurance, including Insurance Agent information.

Motor insurance is offered to the Bank’s customers who have a current account or credit card in the Bank together with active access to Millenet internet banking or to the Bank’s Mobile App. The motor insurance offering is not available for vehicles used for commercial purposes, leased vehicles and vehicles with the steering wheel on the right hand side. AC (comprehensive) insurance, Assistance, NNW (casualty) and Window glass insurance cannot be purchased as stand-alone products and may be bought only together with OC (third-party liability) insurance. Messages, including text (SMS) and PUSH messages, sent and made available by the Bank to promote motor insurance constitute marketing information.

Representative example of overdraft limit (overdraft facility) with “Limit w koncie osobistym z prowizją 0% - III edycja” promotion: Annual Percentage Rate (APR) is 12,12%, total credit amount (without credit financed costs): PLN 4968,87 total amount to be paid: PLN 5540,29 variable interest rate 11,5%, total credit cost: PLN 571,42 (including: fee 0.00% (PLN 0), interest PLN 571,42, additional services PLN 0, including: insurance PLN 0, PLN 0 – fee for Konto 360° account, in case of booking minimum 1000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to PLN 8, lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The above has been calculated as on 05.01.2022 on a representative example.

Promotion “Limit w koncie osobistym z prowizją 0%- III edycja” is valid till 04th of February 2022 and applies to clients who currently do not have and for the past 5 months have not had Bank Millennium Overdraft. Detailed information on the promotion and on the authorised overdraft limit, including information on set-up fee and interest rate, is provided in “Limit w koncie osobistym z prowizją 0% - III edycja” promotion Regulations, General Rules of provision of banking services to individuals in Bank Millennium SA and in Service Price List - loan commissions, fees and interest rates. Detailed information on the personal accounts and cards to account can be found in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. The aforementioned documents are available in Bank branches and on www.bankmillennium.pl. Interest on overdraft used shall be collected every monthly settlement cycle for the following period: from the last day of the previous month until the last-but-one day of the current month. If the personal account overdraft was used for up to any 7 days in the monthly settlement cycle, interest shall not be accrued (this applies to personal account overdrafts up to PLN 150 000). If the overdraft was used for more than 7 days, interest shall be accrued for all the days of the overdraft and the accrued interest shall be collected on the last business day of the month.

Detailed information authorised overdraft limit, including information on set-up fee and interest rate, is provided in Regulations, General Rules of provision of banking services to individuals in Bank Millennium SA and in Service Price List - loan commissions, fees and interest rates. Detailed information on the personal accounts and cards to account can be found in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. The aforementioned documents are available in Bank branches and on www.bankmillennium.pl. Interest on overdraft used shall be collected every monthly settlement cycle for the following period: from the last day of the previous month until the last-but-one day of the current month. If the personal account overdraft was used for up to any 7 days in the monthly settlement cycle, interest shall not be accrued (this applies to personal account overdrafts up to PLN 150 000). If the overdraft was used for more than 7 days, interest shall be accrued for all the days of the overdraft and the accrued interest shall be collected on the last business day of the month.

Prior to granting of the overdraft limit, the bank, each time, performs assessment of creditworthiness and credit capacity of an Applicant and, in justified cases, has the right to refuse granting of the limit. Minimum overdraft limit is PLN 500.

Representative example and legal notice Representative example for a Cash Loan with “New winter promotion”: The Actual Annual Interest Rate (APR) is 13,92%, total loan amount (without credited costs): PLN 15,000, total amount to be paid: PLN 20,526.50, fixed interest rate 5.99%, total cost of the loan: PLN 5,526.50 (including: 0% commission (PLN 0.00), interest PLN 2,826.50, additional services PLN 2,700.00, including: insurance PLN 2,700,00 , 0 - fee for Konto 360 ° account in the case of at least PLN 1000 external inflows and at least 1 payment by card to the account / BLIK per month, otherwise the monthly fee for maintaining a payment account is PLN 8), 60 monthly installments equal to PLN 342.11, the first installment payable 30 days after releasing the funds. The calculation was made on November 22th, 2021 on a representative example.

The “New winter promotion” lasts until March, 11th 2022 and applies to insured cash loans granted for a period of 60 months with the amount to be paid under the contract in the amount of PLN 5,000 or PLN 10,000, or PLN 15,000, or 20 000 PLN. The Promotion is available to customers under 65 years old who have not had a cash loan or consolidation loan at the Bank in the last 12 months, counting from the date of application, will declare 999 PLN a net income transfer to their ROR at the Bank, conclude an insurance contract with the Safe Loan option 1 through the Bank and indicate the Bank as a beneficiary of insurance benefits in the event of the Borrower’s death. An additional condition is the consent to receive commercial information via electronic channels and consent to the processing of contact details by the Bank for the purpose of providing information by the Bank regarding products and services of companies cooperating with the Bank. The promotion cannot be combined with any other cash loan promotions. Detailed terms of the Promotion are included in the Regulations “New winter promotion”.

Details on the rules for granting loans are included in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. Standard fees, commissions and interest are charged in accordance with the Cash Loan Price List. Detailed rules for granting insurance cover under the Safe Loan Insurance Option 1 by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are included in the Safe Loan Insurance Terms and Conditions and in the Product Card - Safe Loan Insurance (available to persons who are under 65 on the date of concluding the insurance contract). The above-mentioned documents are available in the Bank’s branches and on the website www.bankmillennium.pl The Bank assesses the applicant’s creditworthiness and each time before granting a loan; in justified cases, it may refuse to grant it.

The “Zyskaj 100 zł z Kontem 360° Junior” promotion lasts from 09.11.2021 until 31.01.2022, unless the limit of 30 000 accounts is exhausted earlier. In the promotion you can get a reward in the form of a goodie gift eCard worth PLN 50. The condition of receiving such reward is to open a Konto 360° Junior account with a Konto Oszczędnościowe Profit account for your own minor child via the Millenet electronic banking system or mobile app by 31.01.2022 and by 28.02.2022 to satisfy following conditions: in the case of a Konto 360° Junior account opened for a child under 7 years of age it is required to deposit at least PLN 100 on the newly opened Konto 360°Junior account and in the case of a Konto 360° Junior account opened for a child aged above 7 - to deposit at least PLN 100 on the newly opened Konto 360°Junior account, to make at least 1 transaction with the account’s debit card or by Blik or pay-by-phone facility, as well as activate the mobile app and give marketing consent on behalf of your child. The reward will be sent by 31.03.2022. Detailed terms and conditions of participation are in the Regulations of the “Zyskaj 100 zł z Kontem 360° Junior” Promotion available from Millennium branches and on www.bankmillennium.pl. How to use the eCard is described in detail in “Gift Card Regulations for goodie Customers” available on the goodie.pl website in the Regulations section.\n\nWaiver of fees for the debit card issued to Konto 360° Junior account for clients above 13 years of age and cash withdrawals from ATMs in case of at least 1 payment with the debit card or by BLIK in the previous month. The fee for issuance of the debit card to Konto 360° Junior account for clients between 7 and 13 years of age is PLN 15.\n\nDomestic transfers in PLN (transfers to another domestic bank) via Millenet and the mobile app are free of charge. An ATM cash withdrawal in foreign currency shall be converted to PLN, which involves an additional margin stipulated in the Price List for Debit Cards. ATM operators abroad may charge fees for cash withdrawals. The fees are beyond the control of the Bank and do not constitute its revenue.\n\nDetails of Konto 360° Junior account are contained in the General Regulations on Provision of Banking Services to Individuals in Bank Millennium SA and the price lists relating to fees and commissions, interest rates, debit cards as well as BLIK Mobile Payments, available in the Bank’s branches and on www.bankmillennium.pl.\n\nKonto 360° Junior is kept for persons aged under 18. The statutory representative and the account owner after turning 14 may dispose of funds accumulated on the account within the monthly limit specified in General Regulations on Provision of Banking Services to Individuals in Bank Millennium S.A. Upon request of the statutory representative the Bank enables the minor aged 7-13 to dispose of funds accumulated on the bank account with use of a debit card or mobile app to a limited extent only for the purpose of making minor daily matters (reduced transaction limits apply).

Investing in mutual funds involves risk of loss as well as the obligation to pay fees and tax. The Fund does not guarantee the investment objective or specific investment result. The value of net assets of Millennium Funds is or may be characterised by high volatility due to the composition of investment portfolios.

Description of risks involved with investing in individual Millennium SFIO Sub-funds available in Program Inwestycyjny Przyszłość+, is provided in Key Information for Investors and in the Prospectus of Millennium SFIO. Terms and conditions of participation in Program Inwestycyjny Przyszłość+, including information about related fees, are stipulated in the Program Inwestycyjny Przyszłość+ Regulations. The a/m documents are available in branches of Bank Millennium, on the Bank′s website www.bankmillennium.pl and on the website of Towarzystwo Millennium TFI S.A. www.millenniumtfi.pl.

An investment in mutual funds is not protected by the Bank Guarantee Fund, in accordance with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring

Account for 0 PLN for 2 years and even 1800 PLN in promotion

Detailed terms and conditions of the “1800 zł dla Twojej działalności gospodarczej” promotion (“the Promotion”) are stipulated in “1800 zł dla Twojej działalności gospodarczej” Promotion Regulations available in the Bank’s branches and on www.bankmillennium.pl

The promotion is targeted at entrepreneurs understood to mean sole traders registered in Centralna Ewidencja i Informacja o Działalności Gospodarczej (Central Business Activity Records and Information) (“Promotion Participants”).

The promotion shall be valid from 01.12.2021 to 31.03.2022

6,000 Promotion Participants, who are the first during the Promotion to open a Konto Mój Biznes account (“the Account”) in Millenet or the Mobile App, or on the portal of Bank Millennium SA, submitting the application online www.bankmillennium.pl/wniosek-o-konto-firmowe, shall be eligible for the reward (“Bonus”). If there is no possibility to open the Account in the a/m way you may fill-out the contact form on the Bank’s portal www.bankmillennium.pl/wniosek-o-konto-firmowe selecting the Branch track and open the Account in any branch of the Bank.

As a Promotion Participant you will receive a single Bonus of a maximum of 1800 PLN if you satisfy participation requirements stipulated in § 3 of the Regulations and meet the promotion rules described § 4 sect. 3 of the Regulations. A separate Bonus shall be accrued for each activity in the following way:

a) up to 600 PLN as 10% refund (max. 100 PLN per month) for a payment to ZUS in each of 6 calendar months counted from the next calendar month after opening the Account,

b) up to 600 PLN as 10% refund (max. 100 PLN per month) from non-cash transactions made with the Millennium Visa Mój Biznes debit card on petrol stations US in each of 6 subsequent calendar months counted from the next calendar month after opening the Account,

c) 600 PLN The Promotion Participant concludes a lease contract with Millennium Leasing Sp. z o.o. on a financing amount of at least 30 000 PLN until end of May 2022, or if the Promotion Participant concludes in a Millennium branch a Cooperation Agreement (regarding a payment terminal) and also at the latest until end of May 2022 ensures inflows of at least 1 000 PLN to the Account from settlement of transactions in the payment terminal, under the a/m Cooperation Agreement

The Bonus described above in pt. a)-b) shall be paid only to the Account opened by the Promotion Participant during the Promotion period in monthly periods, not later than until the end of the calendar month, after which the Bonus was accrued. Meanwhile the Bonus described in pt. c) shall be paid to the Account opened in the Promotion period not later than by 31.07.2022. In either case the Bonus will be paid if by the day of payment of the particular Bonus the Promotion Participant does not dissolve, terminate or withdraw from the Agreement on the Account, signed during the Promotion period and does not withdraw the approvals described in the Regulations § 3 sect. 1 pt. 4.

Additionally in the “Zyskaj z kontem dla Biznesu” promotion during 24 months the fee for keeping Konto Mój Biznes account shall be 0 PLN, for Konto Biznes it shall be 9 PLN, for an FX account 0 PLN, the annual fee for a Millennium VISA Business credit card shall be 0 PLN. The a/m Promotion is available to entities, which were not party to an agreement on a settlement account in PLN for Biznes Customers in 2020. Concluding at least a Konto Mój Biznes or Konto Biznes account in PLN shall be deemed as joining the Promotion. The “Zyskaj z kontem dla Biznesu” Promotion is valid from 01.01.2021 until its end, about which the Bank shall inform on the website www.bankmillennium.pl/biznes/rachunki-biezace. Details are stipulated in “Zyskaj z kontem dla Biznesu” Promotion Regulations available in the Bank’s branches and on www.bankmillennium.pl

Detailed principles of keeping business accounts, information about fees and interest rate are stipulated in Terms and Conditions of Opening and Keeping Bank Accounts for Biznes Customers in Bank Millennium S.A., Price List respectively, said documents being available in the Bank’s branches and on www.bankmillennium.pl

Representative example for Millennium Visa/MasterCard Impresja credit card:\nAnnual Percentage Rate (APR) is 14,98%, total loan amount (net of debt-financed costs): PLN 6 700.00; total amount due: PLN 7 283.85 ; variable interest rate 11,5%; total cost of the loan: PLN 583.85 (including: sum of monthly credit card fees PLN 87.89; interest PLN 495,96), with the assumption that the approved credit limit is used-up outright in the full amount as a non-cash transaction and is repaid in 12 equal monthly instalments of PLN 606.98. The calculation was made as of 5.01.2022 on a representative example.

Participants in the “Nowy rok z kartą kredytową Visa” (New Year with Visa credit card) promotion (hereinafter “Promotion”) who from 10 January to 28 February 2022 (“Promotion Period”) submit in Millenet or the Mobile App a contact request or a credit application (hereinafter “Application”) for a Millennium Visa Impresja or Millennium Visa Gold credit card (“the Card”), agree to receive commercial information and sign the Card agreement may get a digital code worth PLN 150 (hereinafter “Reward”) to be used through eKarta podarunkowa (eGift Card) in the Goodie app at Circle K fuel stations. The Reward shall be due for each period of three months specified in the “Nowy rok z kartą kredytową Visa” Promotion Regulations (hereinafter “Promotion Regulations”), in which the Participant makes non-cash transactions with the card (also optionally with use of BLIK Mobile payments linked to the credit card account) in the total amount of at least PLN 350 in each month. During the promotion one Participant may receive a maximum of two Rewards. Participants who during the period from 1 January 2020 had or have any main credit card of the Bank, or were pending processing in the Bank of instructions regarding resignation from any main credit card, shall not be eligible for the Reward. 10,000 Participants who are the first during the Promotion Period to submit their Application shall be eligible for the Reward. The Applications, which may qualify for the Reward, may be submitted until the pool of 10,000 Applications is exhausted, however not longer than until 28 February 2022. The Bank will inform promptly that the pool has been exhausted on www.bankmillennium.pl/klienci-indywidualni/karty-platnicze/karty-kredytowe/millennium-impresja. Promotion Regulations are available on www.bankmillennium.pl (Support/Price lists and regulations/Payment cards bookmark).

Every holder of a Card issued during the Promotion Period, will have the monthly card fee waived in each of 12 consecutive calendar months, in which he made at least one non-cash transaction with the Card counting from the date the Card was issued.

The organiser of the “Moneyback dla kart Impresja” Programme, which is from 01.01.2021 till 31.12.2021 is Bank Millennium S.A. The Programme is targeted at holders of “Millennium Visa Impresja” and/or “Millennium Mastercard Impresja” cards issued under agreements: concluded till 30.04.2013 or from 11.11.2019, or to which after 28.11.2020 an annex was concluded amending provisions regarding rules on interest rate on the Card Account. Programme rules are contained in the “Moneyback dla kart Impresja” Programme Regulations.

Details regarding the functioning and use of the “goodie” shopping platform ( including Goodie eGift Cards), which is under administration by Millennium Goodie Sp. z o.o., are available on the goodie.pl website.

Before granting a credit card the Bank evaluates the Applicant’s credit capacity and worthiness on a case-by-case basis; in justified cases it may refuse to grant the card. Fees, interest rate as well as other details are provided in the Price List - Credit Cards, Price List - BLIK Mobile Payments, Regulations on Credit Cards Issued by Bank Millennium SA, Regulations on “Moneyback dla kart Impresja” Programme, available in Millennium branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium by calling 801 331 331 (calls charged at operators’ tariffs).

Account for 0 PLN for 2 years and even 1800 PLN in promotion

Detailed terms and conditions of the “1800 zł dla Twojej działalności gospodarczej” promotion (“the Promotion”) are stipulated in “1800 zł dla Twojej działalności gospodarczej” Promotion Regulations available in the Bank’s branches and on www.bankmillennium.pl

The promotion is targeted at entrepreneurs understood to mean sole traders registered in Centralna Ewidencja i Informacja o Działalności Gospodarczej (Central Business Activity Records and Information) (“Promotion Participants”).

The promotion shall be valid from 01.12.2021 to 31.03.2022

6,000 Promotion Participants, who are the first during the Promotion to open a Konto Mój Biznes account (“the Account”) in Millenet or the Mobile App, or on the portal of Bank Millennium SA, submitting the application online www.bankmillennium.pl/wniosek-o-konto-firmowe, shall be eligible for the reward (“Bonus”). If there is no possibility to open the Account in the a/m way you may fill-out the contact form on the Bank’s portal www.bankmillennium.pl/wniosek-o-konto-firmowe selecting the Branch track and open the Account in any branch of the Bank.

As a Promotion Participant you will receive a single Bonus of a maximum of 1800 PLN if you satisfy participation requirements stipulated in § 3 of the Regulations and meet the promotion rules described § 4 sect. 3 of the Regulations. A separate Bonus shall be accrued for each activity in the following way:

a) up to 600 PLN as 10% refund (max. 100 PLN per month) for a payment to ZUS in each of 6 calendar months counted from the next calendar month after opening the Account,

b) up to 600 PLN as 10% refund (max. 100 PLN per month) from non-cash transactions made with the Millennium Visa Mój Biznes debit card on petrol stations US in each of 6 subsequent calendar months counted from the next calendar month after opening the Account,

c) 600 PLN The Promotion Participant concludes a lease contract with Millennium Leasing Sp. z o.o. on a financing amount of at least 30 000 PLN until end of May 2022, or if the Promotion Participant concludes in a Millennium branch a Cooperation Agreement (regarding a payment terminal) and also at the latest until end of May 2022 ensures inflows of at least 1 000 PLN to the Account from settlement of transactions in the payment terminal, under the a/m Cooperation Agreement

The Bonus described above in pt. a)-b) shall be paid only to the Account opened by the Promotion Participant during the Promotion period in monthly periods, not later than until the end of the calendar month, after which the Bonus was accrued. Meanwhile the Bonus described in pt. c) shall be paid to the Account opened in the Promotion period not later than by 31.07.2022. In either case the Bonus will be paid if by the day of payment of the particular Bonus the Promotion Participant does not dissolve, terminate or withdraw from the Agreement on the Account, signed during the Promotion period and does not withdraw the approvals described in the Regulations § 3 sect. 1 pt. 4.

Additionally in the “Zyskaj z kontem dla Biznesu” promotion during 24 months the fee for keeping Konto Mój Biznes account shall be 0 PLN, for Konto Biznes it shall be 9 PLN, for an FX account 0 PLN, the annual fee for a Millennium VISA Business credit card shall be 0 PLN. The a/m Promotion is available to entities, which were not party to an agreement on a settlement account in PLN for Biznes Customers in 2020. Concluding at least a Konto Mój Biznes or Konto Biznes account in PLN shall be deemed as joining the Promotion. The “Zyskaj z kontem dla Biznesu” Promotion is valid from 01.01.2021 until its end, about which the Bank shall inform on the website www.bankmillennium.pl/biznes/rachunki-biezace. Details are stipulated in “Zyskaj z kontem dla Biznesu” Promotion Regulations available in the Bank’s branches and on www.bankmillennium.pl

Detailed principles of keeping business accounts, information about fees and interest rate are stipulated in Terms and Conditions of Opening and Keeping Bank Accounts for Biznes Customers in Bank Millennium S.A., Price List respectively, said documents being available in the Bank’s branches and on www.bankmillennium.pl

Representative example and legal notice Representative example for a Cash Loan with “New winter promotion”: The Actual Annual Interest Rate (APR) is 13,92%, total loan amount (without credited costs): PLN 15,000, total amount to be paid: PLN 20,526.50, fixed interest rate 5.99%, total cost of the loan: PLN 5,526.50 (including: 0% commission (PLN 0.00), interest PLN 2,826.50, additional services PLN 2,700.00, including: insurance PLN 2,700,00 , 0 - fee for Konto 360 ° account in the case of at least PLN 1000 external inflows and at least 1 payment by card to the account / BLIK per month, otherwise the monthly fee for maintaining a payment account is PLN 8), 60 monthly installments equal to PLN 342.11, the first installment payable 30 days after releasing the funds. The calculation was made on November 22th, 2021 on a representative example.

The “New winter promotion” lasts until March, 11th 2022 and applies to insured cash loans granted for a period of 60 months with the amount to be paid under the contract in the amount of PLN 5,000 or PLN 10,000, or PLN 15,000, or 20 000 PLN. The Promotion is available to customers under 65 years old who have not had a cash loan or consolidation loan at the Bank in the last 12 months, counting from the date of application, will declare 999 PLN a net income transfer to their ROR at the Bank, conclude an insurance contract with the Safe Loan option 1 through the Bank and indicate the Bank as a beneficiary of insurance benefits in the event of the Borrower’s death. An additional condition is the consent to receive commercial information via electronic channels and consent to the processing of contact details by the Bank for the purpose of providing information by the Bank regarding products and services of companies cooperating with the Bank. The promotion cannot be combined with any other cash loan promotions. Detailed terms of the Promotion are included in the Regulations “New winter promotion”.

Details on the rules for granting loans are included in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. Standard fees, commissions and interest are charged in accordance with the Cash Loan Price List. Detailed rules for granting insurance cover under the Safe Loan Insurance Option 1 by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are included in the Safe Loan Insurance Terms and Conditions and in the Product Card - Safe Loan Insurance (available to persons who are under 65 on the date of concluding the insurance contract). The above-mentioned documents are available in the Bank’s branches and on the website www.bankmillennium.pl The Bank assesses the applicant’s creditworthiness and each time before granting a loan; in justified cases, it may refuse to grant it.