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Representative example for Millennium Visa/MasterCard Impresja: Annual Percentage Rate (APR) is 14.19%; total amount of credit (net of debt-financed costs): PLN 5 000; total amount due: PLN 5 408.49; variable interest rate 10%; total cost of credit: PLN 408.49 (including: sum of monthly fees for the credit card PLN 87.89; interest PLN 320.60), assuming that the granted credit limit is disbursed outright in the full amount as a non-cash transaction and is repaid in 12 equal monthly instalments of PLN 450.71. The calculation was made as of 18.12.2018 on a representative example.

The Bank evaluates the applicant’s credit capacity on a case-by-case basis each time prior to granting a credit card; if requirements regarding credit capacity are not met the Bank will not sign a credit card agreement. The card offers optional, paid insurance "Assistance Impresja". Fees, interest rate and other details are contained in the Price List – Credit Cards, Regulations on Credit Cards Issued by Bank Millennium SA, Terms and conditions of Moneyback sales bonus for purchases with Millennium Mastercard Impresja credit card,Terms and conditions of Moneyback sales bonus for purchases with Millennium Visa Impresja credit card, terms of insurance “Assistance Impresja Package”, Product Sheet – Assistance Impresja Package – available in the Bank’s branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium by calling 801 331 331.

In the “You can do more with a credit card” promotion a holder of the main credit card (except Millennium MasterCard World Elite/Elite VIP credit cards) (“the Card”) who submitted an application for issuing the Card from 2 January 2019 to 28 February 2019 (“promotion period”), shall have the monthly card fee waived in each of the 12 calendar months, in which he made at least one non-cash transaction counting from the date of issuing the Card. Additionally promotion participants who apply for the Card during the promotion period in Millenet or the Mobile App, sign the Card Agreement and use it to make non-cash transactions (also by BLIK) in the total amount of at least PLN 200 in each of two consecutive periods indicated in the Promotion Regulations, may receive a bonus of PLN 200. The first 2000 Participants, who apply for the Card during the promotion period and then satisfy the above bonus eligibility criteria, shall be eligible for the bonus. Promotion Regulations are available on www.bankmillennium.pl

Representative example for Cash Loan with “Winter promotion” promotion: Annual Percentage Rate (APR) is 7.68%, total loan amount (net of loan-financed costs): PLN 15 000; total amount due: PLN 18 000; fixed interest rate 7.42%; total cost of the loan: PLN 3000 (including: fee: 0% (PLN 0); interest PLN 3000; additional services PLN 0 (including: fee for Konto 360° PLN 0 provided that externally-sourced monthly turnover is PLN 1 000 minimum and at least 1 payment is made in a month with the debit card/by BLIK; otherwise the monthly fee for the payment account is PLN 8), 60 monthly equal instalments of PLN 300; first instalment due after 30 days from disbursement of the money. The calculation was made as of 4.12.2018 on a representative example.

The “Winter promotion” promotion is valid from 08.12.2018 till 31.03.2019 and applies to uninsured cash loans granted for the period of 60 months with amount to be disbursed under the agreement PLN 5000 or PLN 10 000 or PLN 15 000 or PLN 20 000. The promotion is available to Customers who do not have a cash or consolidation loan in the Bank at the time of submitting the publication. The promotion: may not be combined with other promotions concerning cash loans; it can be taken only once during its validity and it does not cover loans for repayment of other credit products. Detailed terms and conditions of the Promotion are contained in “Winter promotion” Promotion Regulations available in Millennium branches and on www.bankmillennium.pl.

Details concerning principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A. Fees, commissions and interest rate are charged in accordance with the Cash Loan Price List. The documents mentioned above are available in Millennium branches and on www.bankmillennium.pl. The Bank evaluates the Applicant’s credit capacity and worthiness on a case-by-case basis prior to granting the Loan; in justified cases it may refuse to grant it.

The Promotion involves the waiver of handling fee in case of purchasing category A participation units in Millennium TFI investment funds and runs from 01.12.2018 till 31.03.2019.

The rate in promotional offer is 0% fee excluding Equity subfund; Global Equity subfund; Dynamic Cups subfund for which the rate in the promotional offer is 0.1%.

All and any information contained in this COMMERCIAL PUBLICATION is 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 23rd 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 (KII), not on the basis of the abbreviated description contained herein.

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.