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Bank Handlowy w Warszawie S.A. Offer „Citigold Private Client - Twój klucz do bankowości prywatnej. Konto z lokatą 6,1% - edycja II" is valid until July 8, 2025 for the first 30 Participants who will conclude a Deposit Product Agreement with the Bank, open a Citigold Private Client Personal Account on its basis and meet the conditions described in the Terms and Conditions of the Offer. As part of the Offer, the Participant may open a 6-month Welcome Deposit with an interest rate of 6.1% per annum up to PLN 2 million and a 3-month Additional Deposit with an interest rate of 6% per annum up to PLN 2.2 million. The Offer is addressed to new clients who, by the end of the first calendar month following the month in which the Account was opened, will have a daily balance of at least PLN 4,200,000 on the accounts offered by the Bank.The Offer is not available to persons who had a personal or savings account with the Bank after June 30, 2023 (applicable also to all Joint Account Holders or persons who were authorized Representatives to the account). Detailed conditions for receiving the rewards with a full list of exclusions are included in the Terms and Conditions of the Offer available on the Bank's website in the tab “Documents”. Please be informed that offers with the same or similar terms may be repeated in the future.

Detailed information on fees and commissions for the Citigold and Citigold Private Client Personal Accounts is available in the Table of Fees and Commissions: Accounts and overdraft in the payment account Credit Line for Individual Clients on the Bank’s website in the Documents tab. Bank Account Terms and Conditions are available on the Bank’s website in the “Documents” tab. The Bank may introduce offers on the same or similar terms and conditions in the future.

Bank Account Terms and Condtions, Table of Fees and Commissions: Accounts and Credit Line for Individual Clients are on the Bank's website in the documents tab.

The highest score in the private banking ranking by Forbes 2020 of 27/02/2020 (source: website forbes.pl).

First place in the Best for Digital in Poland category in the Euromoney Global Private Banking Awards 2023 of March 30, 2023 (source: euromoney.com).

The Executive Lounge service is available at the biggest airports in Poland (in Warsaw, Poznań, Gdańsk, Cracow, Wrocław and Katowice). It is available with the Citigold Lounge Pass card – its holder can enter a lounge twice a month free of charge (two passes for the card holder or one pass for the card holder with an accompanying person). Any subsequent visits or visits of Clients with a lower balance than required are payable as per the applicable Table of Fees and Commissions: The Card is available to the Clients who have a Citigold or Citigold Private Client account, maintain an average monthly balance of at least PLN 300,000 and have been issued a World Elite™ Debit Mastercard® card.

Citi Handlowy and the Citi logo are registered trademarks of entities from the Citigroup Inc. group.

Bank Handlowy w Warszawie S.A. with its registered office in Warsaw, at ul. Senatorska 16, 00-923 Warsaw, entered in the register of entrepreneurs of the National Court Register by the District Court for the Capital City of Warsaw in Warsaw, XII Commercial Department of the National Court Register under number KRS 000 000 1538; Tax Identification Number NIP 526-030-02-91; share capital of PLN 522.638.400 fully paid-up. Citi and Citi Handlowy are registered and licensed trademarks of Citigroup Inc. Citigroup Inc. and its subsidiaries have also right to other trademarks used here in. This material is for informational purposes only and dose not constitute an offer in the meaning of article 66 of the Civil Code.