Group 1 - The Issuer, BPCE SFH, has issued €1,000,000,000 of 3.199% Fixed Rate Notes due on 28 October 2034, which can be extended as Floating Rate Notes from October 2034 to October 2035 [1][6][7] - The Notes are part of a €65,000,000,000 Euro Medium Term Note Programme for the issuance of obligations de financement de l'habitat and other privileged notes [1][6] - The maturity provisions of the Notes will be amended effective from 1 September 2025, as agreed by the unanimous consent of the Noteholders [2][7] Group 2 - The Notes are not intended for retail investors in the European Economic Area (EEA) and no key information document has been prepared for such investors [4] - The Notes have been rated AAA by S&P Global Ratings, indicating a strong capacity to meet financial commitments [23][24] - The estimated net proceeds from the issuance of the Notes are €1,000,000,000 [26]

Group 1 - The issuer, BPCE SFH, has launched a €1,000,000,000 issuance of 3.115% Fixed Rate Notes due on 28 October 2033, which can be extended as Floating Rate Notes until October 2034 [7][24]. - The Notes are part of a larger €65,000,000,000 Euro Medium Term Note Programme aimed at financing housing obligations and other privileged notes [1][7]. - The issuance received approval from the French Autorité des marchés financiers (AMF) under the Base Prospectus dated 7 May 2024 [2][11]. Group 2 - The maturity provisions of the Notes will be amended effective from 1 September 2025, as agreed by the unanimous consent of the Noteholders [3][8]. - The Notes are not intended for retail investors in the European Economic Area (EEA), and no key information document has been prepared for such investors [5][9]. - The Notes have been rated AAA by S&P Global Ratings, indicating a strong capacity of the issuer to meet its financial commitments [24]. Group 3 - The estimated net proceeds from the issuance are €1,000,000,000, which will be used as outlined in the Base Prospectus [26]. - The interest rate for the Notes is set at 3.115% per annum, payable annually in arrears [15][27]. - The Notes will be listed and admitted to trading on Euronext Paris, with an application for trading made by the issuer [24].