In addition to the current report No 4/2025 of 25 June 2025, in thescope of item 12 and 13, the Management Board of PKO Bank HipotecznyS.A. with its registered office in Warsaw provides information about:

1) The total costs which were included in the issuance costs dividedinto the following categories:a) costs of preparing and conductingthe offer: PLN 3 626 370.65,b) costs of remuneration of theunderwriters (within the meaning of art. 4 sec. 12) and 13) of thePolish Act dated 29 July 2005 on the public offering and conditions ofintroduction of the financial instruments into the organized tradingsystem and on public companies): N/A,c) costs of prospectuspreparation including advisory costs: the cost applies to all offers ofcovered bonds carried out under the Programme and is not allocated toindividual issuesd) costs of promotion: PLN 0.

Total expenses mentioned above paid for subscriptions of bonds amountedto PLN 3 626 370.65 gross (VAT included).

Methods of settling costs in accounting books and the manner of theirrecognition in the issuer's financial statements: costs included in thecosts of issue of a given series of covered bonds are included in thevaluation at the amortized cost of the financial instrument and then aresettled in the maturity period of the given issue in interest costsusing an effective interest rate.

2) The average cost of subscription per one subscribed covered bond: PLN725.27.