A representative example for the Overdraft in a personal account with “Limit w koncie z prowizją 0% - VI edycja” promotion: Annual Percentage Rate (APR) is 22,54%, total credit amount (without credit financed costs): PLN 3 578,00 total amount to be paid: PLN 4 311,49, variable interest rate 20,50%, total credit cost of: PLN 733,49 (including: 0% commission (PLN 0.00), interest PLN 733.49), lending term: 12 months, throughout the term limit is fully utilized, monthly interest payments, repayment of principal amount in a single tranche at maturity. The calculation as of February 1st,2023 on a representative example.

The Promotion “Limit w koncie z prowizją 0% - VI edycja” lasts until July 28th, 2023. We make it available to customers who do not have an overdraft with us in the period of 6 months before submitting the application. Details, conditions and rules for granting the Overdraft in the account in the promotion are described in the Regulations of the promotion “Limit w koncie z prowizją 0% - VI edycja”, General Regulations for the provision of banking services for individual customers in Bank Millennium S.A. and in Service Price List – loan commissions, fees and interest rates on credit products. Detailed information on the personal accounts and cards to account are described in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl. Interest for using overdraft in the personal account is charged in monthly settlement cycles, for the following period: from the last day of the previous month untill the last- but- one day of the current month. If you use the overdraft in the personal account for up to any 7 days in the monthly settlement cycle, we will not charge you with interest ( this applies to Limits in the Personal Account in the amount up to PLN 150 000,00). If you use the Limit in your personal account for more than 7 days, we will charge you interest for all days of using the Limit, and we will collect the accrued interest on the last business day of the month.

Before we grant you an overdraft limit, we assess your creditworthiness each time. In justified cases, we may not grant you the Limit in your personal account. The minimum overdraft limit in the personal account is PLN 500.

Representative example of overdraft limit (overdraft facility) without promotion: annual Percentage Rate (APR) is 22,55%, total credit amount (without credit financed costs): PLN 3899,00 total amount to be paid: PLN 4698,68 variable interest rate 20,50% total credit cost: PLN 799,68 (including: fee 0,39% (15,20 zł), interest PLN 799,30), 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 22.10.2022 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. 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) increase: Annual Percentage Rate (APR) is 22,55% total credit amount (without credit financed costs): PLN 10 421,00 total amount to be paid: PLN 12 558,46 variable interest rate 20,50% , total credit cost: PLN 2137,46 (including: 1,15% (PLN 119,76), interest PLN 2136,30), 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 22.10.2022 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. 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.