Representative example of overdraft limit (overdraft facility) with “Limit w koncie osobistym z prowizją 0%” promotion: Annual Percentage Rate (APR) is 7,46%, total credit amount (without credit financed costs): PLN 3928,43 total amount to be paid: PLN 4 211,28 variable interest rate 7,2%, total credit cost: PLN 282,85(including: fee 0.00% (PLN 0), interest PLN 282,85, additional services PLN 0, including: insurance PLN 0, PLN 0 – fee for Konto 360° account, in case of booking minimum 1000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to PLN 8, lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The above has been calculated as on 29.05.2020 on a representative example.

Promotion "Limit w koncie osobistym z prowizją 0%" is valid till 28th February 2021 and applies to clients who currently do not have and for the past 4 months have not had Bank Millennium Overdraft. Detailed information on the promotion and on the authorised overdraft limit, including information on set-up fee and interest rate, is provided in "Limit w koncie osobistym z prowizją 0%” promotion Regulations, General Rules of provision of banking services to individuals in Bank Millennium SA and in Service Price List - loan commissions, fees and interest rates. Detailed information on the personal accounts and cards to account can be found in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. The aforementioned documents are available in Bank branches and on www.bankmillennium.pl. Interest on overdraft used shall be collected every monthly settlement cycle for the following period: from the last day of the previous month until the last-but-one day of the current month. If the personal account overdraft was used for up to any 7 days in the monthly settlement cycle, interest shall not be accrued (this applies to personal account overdrafts up to PLN 150 000). If the overdraft was used for more than 7 days, interest shall be accrued for all the days of the overdraft and the accrued interest shall be collected on the last business day of the month.

Prior to granting of the overdraft limit, the bank, each time, performs assessment of creditworthiness and credit capacity of an Applicant and, in justified cases, has the right to refuse granting of the limit. Minimum overdraft limit is PLN 500.

Representative example of overdraft limit (overdraft facility) without promotion: anual Percentage Rate (APR) is 7.98%, total credit amount (without credit financed costs): PLN 3928,43, total amount to be paid: PLN : 4 229,56 variable interest rate 7,2%, total credit cost: PLN 301,13 (including: 0,47% (PLN 18,28), interest PLN 282,85 additional services PLN 0, including: PLN 0 - fee for Konto 360° account, in case of booking minimum 1000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to PLN 8, lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The calculation was made as of 29.05.2020 on a representative example.

Detailed information authorised overdraft limit, including information on set-up fee and interest rate, is provided in Regulations, General Rules of provision of banking services to individuals in Bank Millennium SA and in Service Price List - loan commissions, fees and interest rates. Detailed information on the personal accounts and cards to account can be found in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. The aforementioned documents are available in Bank branches and on www.bankmillennium.pl. Interest on overdraft used shall be collected every monthly settlement cycle for the following period: from the last day of the previous month until the last-but-one day of the current month. If the personal account overdraft was used for up to any 7 days in the monthly settlement cycle, interest shall not be accrued (this applies to personal account overdrafts up to PLN 150 000). If the overdraft was used for more than 7 days, interest shall be accrued for all the days of the overdraft and the accrued interest shall be collected on the last business day of the month.

Representative example of overdraft limit (overdraft facility) increase: Annual Percentage Rate (APR) is 8,82%, total credit amount (without credit financed costs): PLN 12 698,15 total amount to be paid: PLN : 13 765,73 zł, variable interest rate 7,2%, total credit cost: PLN 1 067,58 (including: 1,21% (PLN 153,31), interest PLN 914,27 additional services PLN 0, including: PLN 0 - fee for Konto 360° account, in case of booking minimum 1 000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to PLN 8), lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The calculation was made as of 29.05.2020 on a representative example.