A representative example for the Overdraft in a personal account with “Limit w koncie z prowizją 0% - 11 edycja” promotion: Annual Percentage Rate (APR) is 17.81%, total credit amount (without credit financed costs): PLN 3 551.00 total amount to be paid: PLN 4 136.92, variable interest rate 16.50%, total credit cost of: PLN 585.92 (including: 0% commission (PLN 0.00), interest PLN 585.92), 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 September 8th, 2025 on a representative example. The Promotion “Limit w koncie z prowizją 0% -11edycja” lasts until January 23rd, 2026. We make it available to customers who do not have an overdraft with us in the period of 7 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% - 11 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 until 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). 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 3 000.

Representative example of overdraft limit (overdraft facility) without promotion: Annual Percentage Rate (APR) is 18.25%, total credit amount (without credit financed costs): PLN 3 551.00 total amount to be paid: PLN 4 149.36 variable interest rate 16.50% total credit cost: PLN 598.36 (including: fee 0.35% (PLN 12.45), interest PLN 585.92), lending term: 12 months, throughout the term limit is fully utilized, monthly interest payment, repayment of principal amount in a single tranche at maturity. The calculation as of September 8th, 2025 on a representative example. Detailed information authorized overdraft limit, including information on set-up fee and interest rate are described in the Regulations, General Rules of provision of banking services for individuals customers in Bank Millennium SA 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 until 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 3 000.

Representative example of overdraft limit (overdraft facility) increase: Annual Percentage Rate (APR) is 19.65% total credit amount (without credit financed costs): PLN 8 861.00 total amount to be paid: PLN 10 449.88 variable interest rate 16.50% , total credit cost: PLN 1 588.88 (including: fee 1.43% (PLN 126.81), interest PLN 1 462.06), lending term: 12 months, throughout the term limit is fully utilized, monthly interest payment, repayment of principal amount in a single tranche at maturity. The calculation as of September 8th,2025 on a representative example. Detailed information authorized overdraft limit, including information on set-up fee and interest rate are described in the Regulations, General Rules of provision of banking services for individuals customers in Bank Millennium SA 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 until 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). 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 3 000.