Investor Presentaiton

CAJA RURAL DE NAVARRA SUSTAINABILITY BOND FRAMEWORK Overview Caja Rural de Navarra's Sustainable Covered Bond at a glance: This document should not be distributed in the United States or to U.S. persons as defined in Regulation S of the U.S. Securities Act of 1933, as amended Public Sustainability Bond Framework that is fully compliant with the ICMA's Sustainability Bond Guidelines and the Green Bond Principles 2018, Social Bond Principles 2018 and Sustainability Bond Guidelines 2018. The The Green Bond Principles Social Bond Principles ⚫High quality second party opinion provided by Sustainalytics². SUSTAINALYTICS •High quality sustainable asset pool has been identified, with a simple structure and with an additional information provided to investors (use of proceeds on the pool), as well as a regular audited annual impact reporting³ of the Sustainable Bond as part of the Issuer's annual audited report. A transparent and robust project evaluation and selection process including several categories with clear eligibility criteria and additional exclusionary criteria. Previous Sustainable Bond issuances, targeting SRI investors: • CRUNAV 0.625 12/01/23 • • CRUNAV Float 06/21/22 • CRUNAV 0.875 05/08/25 Caja Rural de Navarra is committed to improve its sustainable framework since its inception, and as such, 'Building Energy Efficiency' has been added as a new criterion. Source: 1- Sustainability Bond Framework. 2 - Second Party Opinion (Sustainalytics). 3 Sustainability Impact Report. 2020 Credit and Sustainability Framework CRN 30

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