A representative example for a loan in promotion for selected employees from the financial and insurance sector: Annual Percentage Rate (APR) is 10.7%, total loan amount (without credited costs): PLN 71 410.41, total amount to be paid: PLN 100 735.14, fixed interest rate 10.25%, total cost of the credit: PLN 29 324.73 (including: 0% commission (PLN 0), interest PLN 29 324.73), 85 equal monthly installments in the amount of PLN 1 185.12, the first installment payable after one month from the date of loan disbursement. We made the calculation on July 26th 2025 on a representative example. The offer lasts from July 26 th 2025 until October 24th 2025.

Detailed rules and conditions according to which we grant loans are described in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A., Promotion Regulations for selected persons employed in the financial and insurance sector - 23 edition. Detailed rules for providing insurance cover under the Protected Loan insurance by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are included in the Terms and Conditions of the Protected Loan Insurance and the Product Card - Insurance Protected Loan. You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl.

Before we grant you a loan, we assess your credit capacity and creditworthiness each time. In justified cases, we may not grant you a loan.