The condition for opening Konto Oszczędnościowe Walutowe is to have a current account in PLN and a current account in EUR or USD. Fees and rules on keeping current accounts in PLN, EUR and USD as well as Konto Oszczędnościowe Walutowe are provided in General Regulations on Provision of Banking Services to Individuals in Bank Millennium S.A. and in the Price List -Fees and Commissions. The interest rate on Konto Oszczędnościowe Walutowe is stipulated in the Price List -Interest Rates; in accordance with this Price List the first internal transfer from Konto Oszczędnościowe Walutowe in a calendar month shall be free-of-charge while the second and subsequent ones shall be charged EUR/USD 1. The above regulations are available in Millennium branches and on www.bankmillennium.pl.

Funds deposited on accounts in the Bank, the total value of which funds does not exceed the equivalent of 100,000 EUR, irrespective of the number of accounts held in the Bank, are protected by Banking Guarantee Fund, in keeping with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring (Journal of Laws2016.996). Eligible for protection are deposits and receivables of entities indicated in art. 20 of the a/m Act.