The promotion runs from 01.02.2025 to 31.01.2026 included and consists in reducing the handling fee on orders for the purchase of category A participation units for standard registers of Millennium FIO and Millennium SFIO sub-funds. In the case of purchase orders placed via Millenet or the Mobile Application, the handling fee in the promotional offer is 0%. The promotional offer applies to individual Clients, Prestige and Private Banking. The reduced rates do not apply to orders for purchase on registers in Savings Plans i.e. CPI, PSO, PI Maluch. The mere confirmation of an order using mobile authorisation does not constitute placing an order via Millenet or the Mobile Application.

Investing in funds involves the risk of loss as well as the obligation to pay handling fees and income tax. The fund does not guarantee attainment of the investment target or a specific investment result. The net value of assets of the funds is highly volatile due to the composition of the investment portfolio. Securities constituting more than 35% of assets of Millennium Funds (except Millennium SFIO) may be issued, guaranteed or underwritten by the State Treasury, NBP, US Government, European Central Bank or European Investment Bank.

The indicated rates of return of funds are based on historical data and do not constitute a guarantee of attaining similar results in the future. An individual net rate of return of a fund participant depends on the date of sale and repurchase of participation units as well as administrative fees and income tax paid.

Prior to making this investment one should carefully read information about the funds, including financial data and description of risk factors, which are contained in the prospectuses and Key Information for Investors (KII), available together with the funds’ schedule of fees in branches of Bank Millennium, in the offices of Millennium TFI SA and on the website http://www.millenniumtfi.pl link opens in a new window.

Money invested in the product is not protected by Banking Guarantee Fund link opens in a new window.

Source: Analizy Online S.A. and Transfer Agents cooperating with the Bank.

Financial transactions involve risk presented in “Description of Risk Involved with Financial Instruments and Products for Private Persons in Bank Millennium S.A.", available in branches and on the Bank’s website www.bankmillennium.pl.

Investing in funds involves risk of a loss as well as the obligation to pay handling fees and income tax. The Fund does not guarantee attainment of the investment goal or a specific investment result. The net value of funds’ assets is highly volatile due to the composition of the investment portfolio. In cases, in which the Fund’s Articles of Association provide for the possibility of investing more than 35% of a Subfund’s assets in securities - the issuer, surety or guarantor of these securities may only be the State Treasury, NBP, US government, European Central Bank or the European Investment Bank.

Investment Fund – is an entity with legal personality operating under the Act of 27 May 2004 on investment funds and management of alternative investment funds. An investment fund’s sole operation consists in investing monies collected publicly or privately in securities, money market instruments, and other property rights stipulated in the Act.

In return for payments into the fund investors receive participation units. Their number shows proportional share held by the investor in the investment fund assets. In specified time intervals the fund determines the value of participation units i.e. calculates „net value of fund's assets" assigned to a single participation unit. For this purpose, the fund determines the value of its investment portfolio and divides it by the number of participation units allocated to all participants. The value of participation unitmay change on each valuation day.

• sector risk,
• credit risk,
• risk of short-term price changes,
• FX risk,
• risk of non-admission of the issuer’s securities to trading on the regulated market,
• liquidity risk,
• tax risk,
• legal risk,
• settlement risk,
• market risk,
• interest rate risk,
• loss-of-capital risk,
• risk involved with concentration of assets or markets,
• amount of fees,
• product complexity.

Prior to making an investment the information about funds should be read, including financial data and description of risk factors, which are contained in Prospectuses and in Key Information for Investors (KID), available together with the Funds’ fees table in Bank Millennium branches, in the offices of Millennium TFI as well as online at www.millenniumtfi.pl.

Conclusion by the customer of transactions involving financial instruments is the basis for consideration that the customer has read the terms and conditions of the transaction as well as the related risk and has accepted them.

Monies invested in investment funds are not protected by the Banking Guarantee Fund, in keeping with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring.

All and any information contained in this commercial publicationis for information purposes only and does not constitute an offer, or a recommendation or an invitation addressed to anyone (or any group of persons whatsoever) to conclude a transaction involving the financial instruments presented herein. In particular the information contained in this publication does not constitute an offer in the meaning of the Civil Code of 23 April 1964 nor is it a service of investment, financial, tax, legal or any other advice. Any investment decision should be taken on the basis of information contained in Prospectuses and in Key Information for Investors (KID), not on the basis of the abbreviated description contained herein.

Dissemination, distribution and trading of some financial products may be subject to restrictions with respect to certain persons and countries, in keeping with relevant legislation. It is for the customer to demonstrate legal capacity and authority to invest in the financial instrument. Offering and trading of financial instruments may be done only in compliance with relevant legal regulations.

Information contained in this publication shall be made available to the recipient on an exclusive basis. The recipient is not authorised to copy or send and make the information available in whole or in part in any other way to third parties (except its sending to professional advisors) without the Bank’s prior written consent.

MiFID (Markets in Financial Instruments Directive) is the European Directive concerning the market of financial instruments and products, which sets down a uniform legal framework for banks, brokerage houses as well as other brokerage operators in the European Union as well as in Iceland, Norway and Lichtenstein.

The MiFID Directive aims to enhance and harmonise Client protection in banks, increasing consistency and transparency of the operation of banks as well as increasing competitiveness on the financial instruments market.