The “Marzysz czy spełniasz” (Dream or make it happen) Promotion applies to cash loans granted for a period from 6 to 36 months when the amount to be disbursed under the agreement does not exceed PLN 20,000. One of the conditions of eligibility for the Promotion is to conclude a Bezpieczna Pożyczka insurance agreement and to identify the Bank as beneficiary of the death benefit as well as making an assignment to the Bank of rights under this agreement. The Promotion is available to Clients who during the last 12 months up to the day of filing an application were not a party to an agreement on cash loan in the Bank. The Promotion does not apply to loans assigned for repayment of other credit products. The Promotion shall not be combined with other promotions concerning cash loans and with the offering for persons transferring their salary or net income. The Promotion can be had only once during its period. Detailed terms and conditions of the Promotion are stipulated in “Marzysz czy spełniasz” Promotion Regulations, available in the Bank’s branches and on www.bankmillennium.pl. The Promotion is valid from 3 June to 30 September 2017. The Promotion will become available via Millenet and the current Mobile App not later than on 1 August 2017.

Details concerning the principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A. Fees, commissions and interest are charged as per the Cash Loan Price List. Detailed principles of granting insurance cover under Bezpieczna Pożyczka insurance by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are stipulated in Bezpieczna Pożyczka Insurance Terms and Conditions as well as in Product Sheet - Bezpieczna Pożyczka Insurance. The above-mentioned documents are available in the Bank’s branches and on www.bankmillennium.pl. Prior to granting the loan the Bank evaluates the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified cases the Bank may refuse to grant the loan.

Representative example for Cash Loan with Marzysz czy spełniasz Promotion: Annual Percentage Rate (APR) is 23.16%; total loan amount (net of debt-financed costs): PLN 4,668; total amount due: PLN 5,850.89; fixed interest rate 4.99%; total cost of the loan: PLN 1,182.89 (including: commission 9.99% (PLN 466.33); interest PLN 316.08; additional services PLN 400.48, including insurance PLN 400.48); 26 monthly equal instalments of PLN 225.03. The calculation was made as of 01.05.2017 on a representative example.