Alternative Dispute Resolution

If you wish to submit a complaint or grievance to Millennium bcp, you may do so through one of the following channels:

1. Through an online form.
2. On the website www.millenniumbcp.pt, after logging into your account, via the Banco Mail option and indicating "Complaint" in the subject line.
3. By calling Millennium bcp's Contact Center at:
   
   • 91 827 24 24 • 93 522 24 24 • 96 599 24 24 (call to national mobile network)
   • (+351) 21 005 24 24 (call to national landline network)
   Personalized service available 24 hours a day.
   The cost of the call depends on the rate agreed with your telecommunications provider.
4. By searching for and using the email address of your local branch under Where We Are.
5. Through the Customer Ombudsman using the contact form.

You must identify yourself by providing your full name and tax identification number (NIF).

Your complaint or grievance may be submitted in Portuguese, Spanish or English.

In the context of the marketing of banking products and services whose value does not exceed the jurisdictional limit of first-instance courts (€5,000), the Client (consumer) has the right to submit any dispute to arbitration promoted by a legally authorized Consumer Arbitration Center, without prejudice to the right of access to the competent judicial courts.

Entities providing alternative consumer dispute resolution form part of the Consumer Arbitration Network.

The list and contact details of these entities are available from the Directorate-General for Consumers on the Consumer Portal.

For disputes relating to products or services contracted online, you may also use the European Online Dispute Resolution (ODR) Platform.

Millennium bcp is a member of the following Arbitration Centers for Consumer Disputes for matters related to payment services:

• Centro de Arbitragem de Conflitos de Consumo de Lisboa
• Centro de Informação de Consumo e Arbitragem do Porto (CICAP)

For resolving any disputes arising from or related to the formation, execution, and/or termination of insurance contracts, Millennium bcp, acting as an insurance intermediary, is a member of the following Arbitration Center:

• CIMPAS - Mediation and Arbitration Service of the Insurance Information, Mediation, and Arbitration Center.

Millennium bcp has entered into an agreement with the CMVM (Portuguese Securities Market Commission) allowing the use of alternative dispute resolution mechanisms when the dispute concerns financial intermediation activities involving non-professional investors, and the complaint has not been fully resolved following submission to both the Bank and the CMVM.

The recognized resolution entities are:

• Centro de Arbitragem de Conflitos de Consumo da Região de Coimbra
• Centro de Arbitragem de Conflitos de Consumo de Lisboa
• Centro de Arbitragem de Conflitos de Consumo de Ave, Tâmega e Sousa
• Centro de Informação de Consumo e Arbitragem do Porto (CICAP)
• Centro de Informação, Mediação e Arbitragem de Consumo - Tribunal Arbitral de Consumo
• Centro de Informação, Mediação e Arbitragem do Algarve
• Centro Nacional de Informação e Arbitragem de Conflitos de Consumo