Investor Presentaiton

Consumer Services and Retail INA PAY CC NA PAY 17/2020 Application launch PLATITE IZ VOZILA I B2B Available only for INA Card business users I 1,100 registered users with assigned card PLATITE NA BLAGAJNI 14 Piscenje transakce Lokace Source: Company reports, 31 December 2020 NA Kartin 000 Key achievements 8,758 | transactions in 2020 1,460 | transactions monthly INA LOYALTY 19/2020 Program launch | 160,000 Registered customers at the end of 2020 I Availability Can be used on all retail locations in Croatia Availability I Can be used on all retail locations in Croatia 419 I business partners has registered service with assigned card REGISTRATION TYPE OF INA LOYALTY MEMBERS ■77% DIGITAL ■ 23% PAPER 21

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