Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit card: Annual Percentage Rate (APR) is 10.33%, total loan amount (net of debt-financed costs): PLN 10 000,00, total amount due: PLN 10,601.25, variable interest rate 7.2%; total cost of the loan: PLN 601.25 (including: sum of monthly credit card fees PLN 142.89, interest PLN 458.36), with the assumption that the approved credit limit is used up outright in the full amount as a cashless transaction and is repaid in 12 equal monthly instalments of PLN 883.43. The calculation was made as of 29.05.2020 on a representative example. Participants in “Listopad z kartą kredytową Mastercard Millennium” (November with Mastercard Millennium credit card) promotion (hereinafter: “Promotion”) who from 1 November to 30 November 2020 (“Promotion Period”) submit in Millenet or the Mobile App a contact request or a credit application for a Millennium Mastercard Impresja or Millennium Mastercard or Millennium Mastercard Gold credit card, sign the Card agreement with a minimum credit limit of PLN 3000 (Millennium Mastercard Impresja, Millennium Mastercard) or PLN 5000 (Millennium Mastercard Gold) and use it to make cashless transactions (including optionally by BLIK) in the total amount of at least PLN 350 in each of four consecutive months specified in “Listopad z kartą kredytową Mastercard Millennium” Promotion Regulations, may get a Gift card to Allegro in an electronic form worth PLN 200 (hereinafter: “the Reward”). Participants who in the period from 1 January 2018 had or have any main credit card of the Bank, or had their instruction concerning resignation from any main credit card of the Bank in processing at the Bank shall be not eligible for the Reward. 10,000 Participants, who are the first during the Promotion Period to apply for contact or the Card, shall be eligible for the Reward. Card applications, which may qualify for the Reward, may be submitted until the pool of 10,000 applications is exhausted, however not longer than until 30 November 2020. The Bank will inform promptly that the pool has been exhausted at https://www.bankmillennium.pl/klienci-indywidualni/karty-platnicze/karty-kredytowe/millennium-visa-mastercard-gold. Promotion Regulations are available at www.bankmillennium.pl (Support/Price lists and regulations/Payment cards bookmark). The principles for using the gift card are defined in Regulamin Kart Podarunkowych Allegro (Allegro Gift Card Regulations) available at allegro.pl. 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 cashless 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 and charges, interest rate and other details are contained in the Regulations on Credit Cards Issued by Bank Millennium S.A., Price List – credit cards – available in the Bank branches and at www.bankmillennium.pl. Offer details are also available in TeleMillennium at 801 331 331 (calls charged at rates set by your service provider).