• payments for goods and services purchased at points of sales with Visa/MasterCard logo,
• payments for goods and services purchased without physical use of the card (for instance, in case of telephone, mail or online orders),
• cash withdrawals at banks and ATMs with Visa/MasterCard logo.

All the card operations are settled on an on-going basis on the account to which the card was issued. If the transaction currency is different from the currency of the account, then the currency is converted in accordance with the principles described in detail in the Regulations on charge card issuance and use for Corporate Banking Customers at Bank Millennium S.A.

Charge card is settled within the settlement cycle. Customer can choose one out of three settlement cycles and, depending on the selected settlement cycle, from one to three options of card repayment dates. Depending on the option selected by the Customer, the Customer's settlement account is debited with the amount of the total card debt automatically on the following dates:

• 6 days after closing weekly settlement cycle or
• 6 or 13 days after closing bi-weekly settlement cycle or
• 6, 13 or 19 days after closing monthly settlement cycle.

The amount of the total card debt is the amount that covers the value of the transactions made with the card and settled by the Bank in a given settlement cycle and fees and commissions related to the card use, due to the Bank, less repayments made on the card account. The amount of the card debt debits automatically the account identified by the Customer in his charge card application.

Customer may repay earlier the utilised card limit in part or in full. Funds booked on the card account are immediately available for re-use. It means that through earlier repayment the Customer may immediately increase the balance of funds available for card payments. Number of the account for earlier repayment of the charge card is presented on a detailed list of transactions sent after completion of the settlement cycle.

Customer receives information about his card transactions, total debt as well as card repayment date in the form of a collective list of transactions performed on all the cards and additionally in the form of separate detailed transaction lists for each card.

• over the phone at +48 22 598 41 14 – 24/7 service or
• at any Bank Millennium's outlet.

3D Secure service ensures the highest security levels for remote transactions, i.e. transactions without physical card presentation. 3D Secure transactions are executed with use of additional security in the form of authorisation with single SMS P@sswords. When making card payment, for instance, in an online shop, the Bank may send a single-use, secure SMS P@ssword to the mobile phone number defined by the card user with request to enter it on a dedicated and secured website. All the financial data are then transferred to a secure authentication server, where the card used is verified.

3D-Secure service may be used by each Bank Millennium's Corporate Banking Customer with active payment card issued by the Bank, upon prior definition of the mobile phone number for this service. This number may be defined:

• in the Millenet online banking system or
• via TeleMillennium: 801 31 31 31 (for fixed line phones) or +48 22 598 41 61 (when calling from mobile phones or from outside of Poland) – select the language of the service and then option „Change or assignment of the mobile phone number for 3D Secure service".

• theft of cash withdrawn from ATM or enforced cash withdrawal,
• unauthorised use in case of card theft or loss – insurance up to 150 EUR* covers transactions made even up to 72 hours prior to card cancellation,
• destruction, loss or damage to the product purchased with the card,
• purchase of product with the card at a price higher than that identified in another printed offer,
• loss of the wallet,
• difficulties or inconveniences in travel (for instance, baggage loss or delay, flight delay), provided the travel is paid for with the card.
• personal accidents,
• baggage loss or delay,
• flight delay,
• delivery of substitute documents,

provided the travel is paid for with the card.

* PLN equivalent at the NBP's average rate in force as at the day of the transaction.