This is a marketing communication.

The organizer of the “Invest in Tomorrow” Lottery is TFI PZU SA. The Lottery runs from November 17, 2025, to April 28, 2026. The duration of the Lottery includes the complaint period. The terms and conditions of the Lottery are described in the Rules available at in.pzu.pl.

A participant in the Lottery may win more than one prize by taking part in more than one draw. In each draw, a participant may be selected twice, except in the final draw, where the registers of the winner of the grand prize will not participate in the draw for standard prizes.

This is a marketing communication. Before making any final investment decisions, please review the inPZU FIO (Fund) prospectus, PZU FIO Parasolowy (Fund) prospectus, the Key Information Document (KID), and the IKZE/IKE Program Terms and Conditions for the inPZU FIO fund. Investments in investment funds involve investment risk. Neither Fund nor TFI PZU SA guarantees that you will achieve your intended investment objective or obtain a specific investment result. There is a risk of losing the funds you have invested. The net asset value of the Subfunds may be highly volatile due to the composition of the investment portfolio. Past performance of the Fund does not guarantee or promise future results. Information about the Fund and a detailed description of risk factors can be found in the prospectus at pzu.pl. KIDs are available at points of sale and redemption of participation units and at in.pzu.pl. The prospectus and KID are in Polish. The investment involves acquiring participation units of the Fund, not the assets owned by the Fund. Index subfunds are managed passively, while lifecycle subfunds are managed actively.