Navigator Holdings Ltd.

August 2026 Secured Term Loan. On August 13, 2026, the Company and certain of its subsidiaries entered into a $47.9 million secured term loan (the “August 2026 Secured Term Loan”) with Nordea Bank Abp NUF to refinance in full the amounts outstanding under the Company’s February 2025 secured term loan facility. The August 2026 Secured Term Loan consists of three tranches secured by the vessels Navig ator Hyperion, Navigator Titanand Navigator Vesta, with borrowings under each tranche limited to 55% of the fair market value of the applicable vessel. The August 2026 Secured Term Loan is fully amortizing through quarterly repayments and bears interest at a rate equal to Comp SOFR plus 150 basis points. The facility matures 60 months after the utilization date and, in any event, no later than August 14, 2031. As of September 30, 2026, the amount outstanding under the facility was $45.5 million.

February 2025 Secured Term Loan. On February 7, 2025, the Company entered into a $74.6 million Secured Term Loan (the “February 2025 Secured Term Loan”) with Nordea Bank Abp, to partially finance the purchase price of the three Purchased Vessels. The February 2025 Facility was non-amortizing, carried interest at a rate of Term SOFR plus 180 basis points and matured after 18 months. A repayment of $26.7 million was made on August 12, 2026, and on August 13, 2026, the remainder of the February 2025 Secured Term Loan was refinanced in a total amount of $47.9 million with the Company and certain of its subsidiaries entering into the August 2026 Secured Term Loan and as a result, the February 2025 Secured Term Loan was fully repaid and all security granted under the facility by the Company over the three Purchased Vessels was released.

July 2026 Post-Delivery Secured Term Loan. On July 31, 2026, the Company and certain of its subsidiaries as part of the Amon Joint Venture (as defined below) entered into a $121.8 million secured term loan (the “July 2026 Post-Delivery Secured Term Loan”) with ING Bank N.V., London Branch, Société Générale and Oversea-Chinese Banking Corporation Limited to finance from delivery, up to 70% of the shipyard cost of two newbuild 51,530 cubic-meter capacity ammonia-fueled, ice-class, liquefied ammonia carriers Navigator Amundsen and Navigator Archer (the "Two Ammonia Newbuild Vessels"). All pre-delivery payments under the shipbuilding contracts until delivery of the vessels will be paid by the Company and certain of its subsidiaries as part of the Amon Joint Venture from cash on hand. The July 2026 Post-Delivery Secured Term Loan is amortizing with a balloon payment of $85.3 million, and bears interest at a rate of Term SOFR plus 135 basis points. The July 2026 Post-Delivery Secured Term Loan is expected to be drawn on delivery of each vessel, and matures at the earlier of 72 months after delivery of each vessel or March 12, 2035 (Ship Tranche A) and July 12, 2035 (Ship Tranche B). As of September 30, 2026, the facility was undrawn.

June 2026 Pre-Delivery Secured Term Loan. On June 18, 2026, the Company and certain of its subsidiaries entered into a$164.6 million secured pre-delivery term loan (the “June 2026 Pre-Delivery Secured Term Loan”) with BNP Paribas (acting through its Tokyo Branch) as lead lender to finance up to 80% of the pre-delivery installments to the shipyard for two of the Company’s Four Ethylene Newbuild Vessels (as defined below), Navigator Polaris and Navigator Proxima. The Company will use cash on hand to pay the remainder of the pre-delivery construction costs. The June 2026 Pre-Delivery Secured Term Loan is non-amortizing with a bullet repayment of $164.6 million, and bears interest at a rate of Term SOFR plus 160 basis points. The June 2026 Pre-Delivery Secured Term Loan is designed to be refinanced by the June 2026 JOLCO Financing (see below) and matures at the earlier of the refinancing of the vessels under the June 2026 JOLCO Financing, delivery of the second vessel (anticipated to be in June 2027), or April 27, 2028. As of September 30, 2026, the June 2026 Pre-Delivery Secured Term

Loan was partially drawn in the amount of $65.9 million to recoup 80% of all pre-delivery installments paid to the shipyard for the two vessels to date.

June 2026 JOLCO Financing. On June 18, 2026, the Company obtained committed Japanese Operating Lease with Call Option ("JOLCO") financing of $205.8 million to refinance the June 2026 Pre-Delivery Secured Term Loan and provide long-term post-delivery financing for two of the Company’s Four Ethylene Newbuild Vessels (as defined below), Navigator Polaris and Navigator Proxima. The Company has effective break options after 5 years and 8.5 years and the full tenor of the June 2026 JOLCO Financing is 15 years. Under the terms of the arrangement, upon delivery of the vessels expected in December 2026 and June 2027 respectively, the Company will draw on the JOLCO arrangements and is currently expected to make quarterly payments of approximately $2.1 million per vessel. As of September 30, 2026, the June 2026 JOLCO Financing was undrawn. Throughout the June 2026 JOLCO Financing, the Company will at all times retain responsibility for the commercial and technical operation of the two vessels, including crewing, maintenance, insurance and ship management. Access to the June 2026 JOLCO Financing remains subject only to customary conditions precedent and closing procedures at or around the time of delivery of each of the two vessels.

Revolving Credit Facilities. The Company repaid amounts under three of its revolving credit facilities: on August 25, 2026, the Company repaid $28.5 million, being the available revolving credit portion of its $111.8 million December 2022 Term Loan and Revolving Credit Facility, on September 24, 2026, the Company repaid $62.9 million, being the available revolving credit portion of its $147.6 million August 2024 Term Loan and Revolving Credit Facility and on September 24, 2026 repaid $65.3 million, being the available revolving credit portion of its $300 million May 2025 Secured Term Loan and Revolving Credit Facility. At September 30, 2026, the Company had $156.7 million available but undrawn revolving credit under its various revolving facilities.