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PROCEDURE FOR GRANTING REPRESENTATION AND EXERCISING VOTING RIGHTS BY ELECTRONIC MEANS AT THE SHAREHOLDERS ORDINARY GENERAL MEETING MARCH 2020 OF BANKIA, S.A.

Right to attend

Shareholders that hold or represent at least 500 shares registered in the name of the shareholder or, if applicable, the represented person, in the corresponding registers five days prior to the date scheduled for the Meeting shall have the right to attend the General Meeting.

Shareholders that are in arrears regarding called up capital shall have the right to attend general meetings, provided that they hold at least 500 shares, although they shall not have the right to vote. The number of shares that they hold shall be deducted from the company's share capital for the purposes of calculating the quorum.

Attendance at the general meeting shall require the corresponding nominative card of attendance, which shall be issued based on the list of shareholders that have this right.

Representation via electronic means

Shareholders that do not attend the meeting may appoint another person to be their proxy, who does not need to be a shareholder. Proxies may be appointed electronically via the corresponding system on this website, which may be accessed once this procedure has been read and accepted.

Shareholders that wish to use this proxy procedure must accredit their identity by means of a current electronic DNI or a recognised electronic certificate, which has not been revoked, issued by the Royal Mint (FNMT), in accordance with Law 59/2003 of 19 December on electronic signatures.

Representatives that attend the meeting must accredit their identity in the same way as attending shareholders. Representatives may only exercise their proxy duties and vote by being physically present at the meeting. All electronic proxies (except those made in favour of the Chairman, directors or the Secretary of the meeting) must be printed and presented together with an identification document by the appointed representatives to the personnel in charge of the shareholder register at the location and on the day of the General Meeting, during the two hours prior to the scheduled start time.

Voting via electronic means

Shareholders may exercise their voting right without being present at the General Meeting, by using the corresponding system on this website, which may be accessed once this procedure has been read and accepted.

Shareholders that cast their vote electronically shall be considered to be present at the meeting for the purpose of constituting the Meeting.

Shareholders that wish to use this voting procedure must accredit their identity by means of a current electronic DNI or a recognised electronic certificate, which has not been revoked, issued by the Royal Mint (FNMT), in accordance with Law 59/2003 of 19 December on electronic signatures.

Common rules on exercising the rights to representation and vote via electronic means

  1. 1.- Attendance card

Bankia reserves the right to compare the information provided by each shareholder with the information provided by IBERCLEAR, the institution responsible for maintaining the register of Bankia shares. In the event of differences between the number of shares reported by the shareholder granting a proxy or casting a vote via electronic means, and the number that appears in the book entry registers reported by IBERCLEAR, the number of shares stated by IBERCLEAR shall be deemed to be correct for the purposes of the quorum and voting.

  1. 2.- Legal persons

In the case of shareholders that are legal persons, Bankia reserves the right to request evidence of the sufficiency and validity of the authority of the individuals representing these shareholders.

  1. 3.- Responsibility for custody of the electronic certificate and devices that create electronic signatures

Shareholders are solely responsible for the diligent use of their electronic DNIs, their electronic signature data and custody of the electronic certificate for exercising their rights to representation or remote voting via electronic means.

Shareholders that use electronic signatures shall be responsible for proving that the electronic certificate used has not been revoked or suspended, nor has it expired or is unusable in any other way at the moment that the electronic signature is generated.

  1. 4.- Service availability

Bankia reserves the right to amend, suspend, cancel or restrict the electronic voting and proxy mechanisms prior to the meeting, when required or forced to do so for technical or security reasons.

Bankia shall not be liable for any losses caused to shareholders as a result of faults, overloads, line failures, connection failures, or any other incident of an identical or similar nature, which are beyond Bankia's control and may hinder the use of the electronic voting and proxy mechanisms prior to the meeting.

Data protection

Personal data that shareholders or shareholders' representatives submit to Bankia to exercise their rights to information, attendance, proxy representation and voting at the General Meeting or that may be provided by banking institutions and securities dealers and brokers in which shareholders' shares are held, via IBERCLEAR, will be processed in order to manage the development, compliance and control of the shareholder relationship, and if appropriate, any representation may exist. All personal data that is included on the nominative card of attendance, proxy and remote voting is required and obligatory to be able to exercise the right to attendance, proxy and voting. If this requirement is not duly fulfilled, Bankia may not exercise the aforementioned actions.

Shareholders will be responsible for obtaining the consent of the representative that they may appoint, if such a proxy is obtained, so that their personal data may be processed by Bankia for the aforementioned purposes.

In addition, for the purposes established in Organic Law 15/1999 of 13 December on Personal Data Protection, the shareholders or shareholders' representatives are hereby informed that this data will be included in an automated file owned by Bankia in respect of which shareholders or shareholders' representatives may exercise their right to access, rectify, cancel and oppose the holding of this data, at any given time, sending their request in writing, with proof of their identity, to the e-mail address protecciondedatos@bankia.com or to the following postal address, Apartado de correos nº 61076, Madrid 28080, marking the envelope "LOPD-derechos ARCO-Accionistas".

Contact

If you have any enquiries or questions please contact the Office for the General Meeting 2020 (Tel. +34 91 602 46 75 and +34 91 787 75 75), from Monday to Friday, 8:00 to 22:00.

EXTRAORDINARY MEASURES TO ALLOW SHAREHOLDERS AND PROXIES TO EXERCISE THEIR RIGHTS REMOTELY AT THE GENERAL MEETING AND ALSO TO ATTEND THE MEETING REMOTELY