Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit cards: Annual Percentage Rate (APR) is 25.96%, total loan amount (net of debt-financed costs): PLN 10 000.00 total amount due: PLN 11 493.60; variable interest rate 20.5%; total cost of the loan: PLN 1 493.60 (including: sum of monthly credit card fees PLN 142.89; interest PLN 1 350.71), 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 957.80. The calculation was made as of 08/09/2022 on a representative example.

Current and future holders of Visa credit cards issued and serviced by Bank Millennium, based in Warsaw, are allowed to participate in the “Z kartą kredytową Visa w Banku Millennium” lottery (hereinafter “Lottery”). Engagement in the lottery requires the following, between the 23.09.2022 and 05.01.2023, registration on the website www.visa.pl/millenniumvisa, transaction with a value of at least PLN 0.01 using the credit card submitted in the lottery. The total amount of prizes in the lottery is 241. Therefore weekly draws of prizes will be conducted as well as the draw of the main prize in the form of the electric car Audi Q4 e-tron. A detailed description of the prizes and drawing dates are available in the lottery statute on www.visa.pl/millenniumvisa and www.uniqueone.pl/pl/regulaminy. The lottery is organized by Unique One Sp. z o.o. based in Warsaw.

The special offer titled “Płatność kartą kredytową Visa” is organized by Bank Millennium S.A. The offer is aimed at Visa credit cards holders that are available to individual customers, whose contract has been concluded from 23/09/2022 to 05/01/2023. Each holder of a Visa credit card who signs a contract from 23.09.2022 to 05.01.2023 will be exempt from the card service fee (monthly fee) if at least one non-cash transaction will be made within 12 calendar months from the date of issuing the card.

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).