Key Information Document Purpose This document provides you with key information about this investment product. It is not marketing material. The information is required by law to help you understand the nature, risks, costs, potential gains and losses of this product and to help you compare it with other products. Terms not defined herein are as defined in the Prospectus. Product State Street SPDR Bloomberg 1-5 Year U.S. Corporate Bond UCITS ETF ("Fund") a sub-fund of SSGA SPDR ETFs Europe I plc Share Class: State Street SPDR Bloomberg 1-5 Year U.S. Corporate Bond UCITS ETF (Acc) (ISIN IE0002H3JQ66) State Street SPDR Bloomberg 1-5 Year U.S. Corporate Bond UCITS ETF is authorised in Ireland and regulated by the Central Bank of Ireland. This Fund is managed by State Street Global Advisors Europe Limited ("Fund Manager"), which is authorised in Ireland and supervised by the Central Bank of Ireland. For more information on this product, please refer to www.ssga.com Accurate as of: 19 February 2026 What is this product? Type with the limits set out in the UCITS Regulations. Details of the Fund's This Fund is an open-ended investment company with variable capital portfolio and the indicative net asset value per share for the Fund are which was incorporated in Ireland on 5 January 2011 under registration available on the Website daily. number 493329 and is authorised by the Central Bank of Ireland as a The Fund may use financial derivative instruments (that is, financial UCITS. contracts whose prices are dependent on one or more underlying assets) in order to manage the portfolio efficiently. Term The Company is an open-ended public limited company incorporated for Save in exceptional circumstances, the Fund will generally only issue an unlimited period. However, it may be dissolved at any time by a and redeem shares to certain institutional investors. However, shares of resolution passed at a general meeting of Shareholders adopted inthe Fund may be purchased or sold through brokers on one or more compliance with applicable laws. stock exchanges. The Fund trades on these stock exchanges at market This Fund has no maturity date. However, it may be terminated andprices which may fluctuate throughout the day. Market prices may be liquidated by the decision of the Board under specific conditions set forth greater or less than the daily net asset value of the Fund. in the Prospectus. The Fund's maximum exposure to securities lending as a percentage of its Net Asset Value will not exceed 70%. Objectives The Shares of the USD Class are issued in U.S. Dollar. Investment objective The investment objective of the Fund is to seek to track the performance of the short and medium-dated, fixed-rate, Any income earned by the Fund will be retained and reflected in an investment-grade U.S. Dollar-denominated corporate bond market. increase in the value of the shares. Investment policies The investment policy of the Fund is to track theShareholders may redeem shares on any UK business day (other than performance of the Index (or any other index determined by the days on which relevant financial markets are closed for business and/or Directors from time to time to track substantially the same market asthe day preceding any such day provided that a list of such closed the Index) as closely as possible, while seeking to minimise as far as market days will be published for the Fund on www.ssga.com); and any possible the tracking difference between the Fund's performance and other day at the Directors' discretion (acting reasonably) provided that of the Index. The Index is designed to track the USD-denominated, Shareholders are notified in advance of any such days. fixed-rate, investment grade corporate bonds market. Based on theIndex Source: The Index is the intellectual property of the Index Bloomberg US Corporate Index (the "US Corporate Index"), the Index provider. The Fund is not sponsored or endorsed by the Index provider. selects the securities from the US Corporate Index that have between The Index provider does not provide any warranty or accept any liability one and up to, but not including, five years remaining until maturity, in relation to any error relating to the Index, including any error in respect regardless of optionality such as the ability to be called, put or of the quality, accuracy or completeness of Index data, and does not converted. The Index invests in securities that are investment grade (as guarantee that the Index will be in line with the described Index defined by the Index methodology) fixed-rate, taxable corporate bondsmethodology. Please see the Prospectus for the full index disclaimer. with 1-5 year maturities. It includes USD denominated securities publicly issued by US and non-US industrial, utility and financial issuers. Index Intended retail investor constituents may on occasion be rebalanced more often than the Index This Fund is intended for investors who plan to stay invested for at least Rebalance Frequency, if required by the Index methodology, including 3 years and are prepared to take on a medium-high level of risk of loss for example where corporate actions such as mergers or acquisitions to their original capital in order to get a higher potential return. It is affect components of the Index. The Investment Manager and/or Sub- designed to form part of a portfolio of investments. Investment Managers, on behalf of the Fund, will invest using the stratified sampling strategy as further described in the "Investment Practical information Objectives and Policies – Index Tracking Funds" section of the Depositary The Fund depositary is State Street Custodial Services Prospectus, primarily in the securities of the Index, at all times in(Ireland) Limited. accordance with the Investment Restrictions set forth in the Prospectus. Further information A copy of the Prospectus and latest annual and The Investment Manager and/or Sub-Investment Managers also may, in semi-annual financial report in English and the latest Net Asset Value exceptional circumstances, invest in securities not included in the Indexper Share are available free of charge upon request from www.ssga.com but that it believes closely reflect the risk and distribution characteristics or by writing to the Fund Manager, State Street Global Advisors Europe of securities of the Index. The bond securities in which the Fund investsLimited, 78 Sir John Rogerson's Quay, Dublin 2, Ireland. will be primarily listed or traded on Recognised Markets in accordance Page 1/3 | Key Information Document | 19 February 2026 What are the risks and what could I get in return? Risks We have classified this product as 2 out of 7, which is a low risk category. This rates the potential losses from future performance at a low level, and Lower riskHigher risk poor market conditions are very unlikely to impact the capacity of State Street Global Advisors Europe Limited to pay you. Be aware of currency risk. You may receive payments in a different 1 2 3 4 5 6 7 currency, so the performance of your investment will be impacted by the The risk indicator assumes you keep the product for 3 years.exchange rate between the two currencies. This risk is not considered in the indicator shown above. Besides the risks included in the risk indicator, other risks may affect the The risk category above shows how likely the fund is to lose moneyfund performance. Please refer to the Fund Prospectus, available free of because of movements in the markets or because we are not able to pay charge at www.ssga.com. you. The Fund's risk category is not guaranteed and may change in the future. Performance scenarios The figures shown include all the costs of the Fund other than the costs that you may need to pay to your advisor, distributor or other intermediary. The figures do not take into account your personal tax situation, which may also affect your return. What you will get from this product depends on future market performance. Market developments in the future are uncertain and cannot be accurately predicted. The unfavourable, moderate, and favourable scenarios shown are illustrations using the worst, average, and best performance of the product over the last 10 years. Markets could develop very differently in the future. The stress scenario shows what you might get back in extreme market circumstances. Unfavourable: this type of scenario occurred for an investment between October 2020 and October 2023. Moderate: this type of scenario occurred for an investment between February 2016 and February 2019. Favourable: this type of scenario occurred for an investment between October 2022 and October 2025.Recommended holding period 3 years Example Investment 10,000 USD if you exit after 3 years if you exit after (recommended Scenarios 1 year holding period)Minimum There is no minimum guaranteed return. You could lose some or all of your investment.Stress What you might get back after costs 8,940 USD8,920 USD Average return each year-10.6% -3.7%UnfavourableWhat you might get back after costs 9,190 USD9,660 USD Average return each year-8.1%-1.1%ModerateWhat you might get back after costs 10,320 USD 10,760 USD Average return each year3.2% 2.5%Favourable What you might get back after costs 10,970 USD 12,060 USD Average return each year9.7% 6.4% What happens if the Fund Manager is unable to pay out? The Manager is responsible for administration and management of the Company, and does not typically hold assets of the Company (assets that can be held by a depositary are, in line with applicable regulations, held with a depositary in its custody network). The Manager, as the manufacturer of this product has no obligation to pay out since the product design does not contemplate any such payment being made. However, investors may suffer loss if the Company or the depositary is unable to pay out. What are the costs? The person advising on or selling you this product may charge you other costs. If so, this person will provide you with information about these costs and how they affect your investment. Costs over time The tables show the amounts that are taken from your investment to cover different types of costs. These amounts depend on how much you invest and how long you hold the Fund. The amounts shown here are illustrations based on a specific investment amount, taking into consideration different holding periods. We have assumed: Q in the first year you would get back the amount that you invested (0% annual return). For the other holding periods we have assumed the productperforms as shown in the moderate scenario, Q 10,000 USD is invested. Page 2/3 | Key Information Document | 19 February 2026 if you exit after3 years if you exit after (recommended Example Investment 10,000 USD 1 yearholding period) Total Costs 11 USD 36 USD Annual cost impact* 0.1% 0.1% each year (*) This illustrates how costs reduce your return each year over the holding period. For example it shows that if you exit at the recommended holding period your average return per year is projected to be 2.6% before costs and 2.5% after costs. Composition of costsAnnual cost impact if you One-off costs upon entry or exit exit after 1 year Entry costs 0.00% The impact of the costs you pay when entering your investment. This0 USD is the most you will pay, and you could pay less. The impact of costs are already included in the price. This includes the costs of distribution of your product. Exit costs 0.00% The Impact of the costs of exiting your investment when it matures.0 USDAnnual cost impact if you Ongoing costs taken each yearexit after 1 year Management fees and other 0.08% of the value of your investment per year. This is based on a 8 USD administrative or operating combination of estimated and actual costs. costs Transaction costs 0.03% The impact of the costs of us buying and selling underlying3 USD investments for the product.Annual cost impact if you Incidental costs taken under specific conditions exit after 1 year Performance feesThere is no performance fee for this Fund. 0 USD How long should I hold it and can I take money out early? Recommended holding period: 3 years This Fund is designed for longer term investments; you should be prepared to stay invested for at least 3 years. However, you can redeem your investment without penalty at any time during this period, or hold the investment longer. Redemptions are possible on every working day; with a payments timeline as outlined in the Fund Supplement and/or Prospectus. The price for the day, reflecting the actual value of the Fund, is set each day after the valuation point, and published on our website www.ssga.com. How can I complain? If you have a complaint about the Fund or the Manager, you can find more details about how to complain and the Manager's complaint handling policy in the "Contact Us" section of the website at: www.ssga.com. Other relevant information Cost, performance and risk The cost, performance and risk calculations included in this key information document follow the methodology prescribed by EU rules. Note that the performance scenarios calculated above are derived exclusively from the past performance of the Fund's share price and that past performance is not a guide to future returns. Therefore, your investment may be at risk and you may not get back the returns illustrated. Investors should not base their investment decisions solely upon the scenarios shown. Performance scenarios You can request previous performance scenarios updated on a monthly basis by emailing Fund_data_services@ssga.com. Past performance There is insufficient performance data available to provide a chart of annual past performance. ETF Information: As the shares are listed on the stock exchange, you may buy or sell shares in the product, without penalty, on any normal business day. Please contact your broker, financial adviser or distributor for information on any costs and charges relating to the sale of the shares. ETF Shares purchased on the secondary market cannot usually be sold directly back to the Company. In exceptional circumstances, whether as a result of disruptions in the secondary market or otherwise, investors who have acquired ETF Shares on the secondary market are entitled to apply to the Company in writing to have the ETF Shares in question registered in their own name, to enable them to access the redemption facilities described in the Prospectus. Page 3/3 | Key Information Document | 19 February 2026