Investor Presentaiton

Indicative terms & conditions Issuer Ranking Repayment of Principal Target Market Maturity Targeted Nominal Amount of the Issue Denomination Interest Rate Minimum Subscription Amount Reference Interest Rate Risk Premium Joint Lead Managers and Bookrunners Orderbook Listing Clearing and Settlement Governing Law Expected Timing Documentation Reference Document INA-INDUSTRIJA NAFTE, d.d. Non-subordinated and unsecured bond Bullet, at maturity Professional investors and eligible counterparties 5 years Up to HRK 2,000,000,000 HRK 1,000,000 Fixed, semi-annual coupon interest payment HRK 1,000,000 Bid yield of the HRK bond RHMF-O-26CA maturing on 14 December 2026 Will be published in the Public invitation for subscription Erste&Steiermärkische Bank d.d., Privredna Banka Zagreb d.d. and Raiffeisenbank Austria d.d. "Pot orderbook" Official Market of the Zagreb Stock Exchange Central Depository and Clearing Company Inc. ("CDCC") Law of Republic of Croatia December 2021 Simplifed Prospectus for Public Offering and Listing of the Notes („Prospectus") Prospectus was approved by HANFA, by its resolution, classification no.: UP/I 976-02/21-01/08, record no.: 326-01-60-62-21-10 on 10 November 2021: and it is available at the websites of the Zagreb Stock Exchange and the Issuer on 11 November 2021 28

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