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 S&P 500 Quality Aristocrats UCITS ETF ("Fund") a sub-fund of SSGA SPDR ETFs Europe I plc Share Class: State Street SPDR S&P 500 Quality Aristocrats UCITS ETF (ACC) (ISIN IE000FJJZA01) State Street SPDR S&P 500 Quality Aristocrats 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

of the Prospectus, primarily in the securities of the Index, at all times in This Fund is an open-ended investment company with variable capitalaccordance with the Investment Restrictions set forth in the Prospectus. which was incorporated in Ireland on 5 January 2011 under registration The Investment Manager and/or Sub-Investment Manager also may, in number 493329 and is authorised by the Central Bank of Ireland as aexceptional circumstances, invest in securities not included in the Index UCITS. but that it believes closely reflect the risk and distribution characteristicsof securities of the Index. The equity securities in which the Fund invests Term

will be primarily listed or traded on Recognised Markets in accordance The Company is an open-ended public limited company incorporated for

with the limits set out in the UCITS Regulations. Details of the Fund's an unlimited period. However, it may be dissolved at any time by a portfolio and the indicative net asset value per Share for the Fund are resolution passed at a general meeting of Shareholders adopted in

available on the Website daily. compliance with applicable laws.

The Fund may use financial derivative instruments (that is, financial This Fund has no maturity date. However, it may be terminated and

contracts whose prices are dependent on one or more underlying liquidated by the decision of the Board under specific conditions set forthassets) in order to manage the portfolio efficiently. in the Prospectus.Save in exceptional circumstances, the Fund will generally only issue Objectives and redeem shares to certain institutional investors. However, shares of Investment objective The investment objective of the Fund is to track

the Fund may be purchased or sold through brokers on one or more the U.S. equity market performance of large cap equity securities. stock exchanges. The Fund trades on these stock exchanges at marketprices which may fluctuate throughout the day. Market prices may be The Fund seeks to track the performance of the S&P 500 Quality FCFgreater or less than the daily net asset value of the Fund. Aristocrats Index (the "Index") as closely as possible.The Fund's maximum exposure to securities lending as a percentage of The Fund is an index tracking fund (also known as a passively managedits Net Asset Value will not exceed 40%. fund).Shareholders may redeem shares on any UK business day (other than Investment policies The Fund invests primarily in securities included indays on which relevant financial markets are closed for business and/or the Index. The Index measures the performance of U.S. companiesthe day preceding any such day provided that a list of such closed exhibiting higher quality characteristics relative to the overall companiesmarket days will be published for the Fund on www.ssga.com); and any in the S&P 500 Index (the "Parent Index"). In order to be considered toother day at the Directors' discretion (acting reasonably) provided exhibit higher quality characteristics, securities in the Parent Index mustShareholders are notified in advance of any such days. first satisfy the multiple consecutive years of positive free cash flow ("FCF") criteria. Then, for the remaining securities, the top 100 securities

Any income earned by the Fund will be retained and reflected in an with the highest "Quality Score" (based on 5-year average FCF margin

increase in the value of the shares. and 5-year average FCF return on invested capital, as described below))The Shares of the USD Class are issued in U.S. Dollar. are selected as Index constituents.Index Source: The Index is a trademark of S&P Global Inc., or its The first step in calculating the "Quality Score" is to calculate, as of theaffiliates, and have been licensed for use by S&P Dow Jones Indices Index rebalancing reference date, the two fundamental ratios below forLLC ("S&P") and sub-licensed for use to State Street Investment each security in the Index universe. They are defined as follows:Management ("State Street"). The Fund is not sponsored, endorsed, • FCF Margin = FCF / Revenuesold or promoted by S&P, its affiliates, or its third party licensors. Please • Return on invested capital ("FCF ROIC") = FCF / (Total Debt + Totalsee the Prospectus for the full index disclaimer. Equity) Where: Intended retail investor • FCF = Net Cash Flow from Operating Activities - Capital Expenditures.This Fund is intended for investors who plan to stay invested for at least The second step is to calculate the five-year average for both FCF 5 years and are prepared to take on a medium-high level of risk of loss Margin and FCF ROIC. Where there is a missing value, the five-year to their original capital in order to get a higher potential return. It is average is calculated by taking a simple average of the remaining

designed to form part of a portfolio of investments. values. Index constituents are weighted based on the product of floated-adjust Practical information market capitalisation and Quality Score. Index constituents may on Depositary The Fund depositary is State Street Custodial Services occasion be rebalanced more often than the Index Rebalance (Ireland) Limited. Frequency, if required by the Index methodology, including for example Further information A copy of the Prospectus and latest annual and where corporate actions such as mergers or acquisitions affect semi-annual financial report in English and the latest Net Asset Value components of the Index. Please refer to the Index methodology for per Share are available free of charge upon request from www.ssga.com more details of Quality Score. or by writing to the Fund Manager, State Street Global Advisors Europe The Investment Manager and/or Sub-Investment Manager, on behalf of Limited, 78 Sir John Rogerson's Quay, Dublin 2, Ireland. the Fund, will invest using the replication strategy as further described in the "Investment Objectives and Policies – Index Tracking Funds" section 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 4 out of 7, which is a medium risk

category.

Lower riskHigher risk

This rates the potential losses from future performance at a medium

level, and poor market conditions could impact the capacity of State

Street Global Advisors Europe Limited to pay you.

1 2 3 4 5 6 7

Be aware of currency risk. You may receive payments in a different

The risk indicator assumes you keep the product for 5 years.currency, so the performance of your investment will be impacted by the

exchange rate between the two currencies. This risk is not considered in

the indicator shown above. The risk category above shows how likely the fund is to lose moneyBesides the risks included in the risk indicator, other risks may affect the because of movements in the markets or because we are not able to pay fund performance. Please refer to the Fund Prospectus, available free of you. The Fund's risk category is not guaranteed and may change in the charge at www.ssga.com. 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 2024 and October 2025. Moderate: this type of scenario occurred for an investment between February 2016 and February 2021. Favourable: this type of scenario occurred for an investment between March 2020 and March 2025.Recommended holding period

5 years

Example Investment

10,000 USD

if you exit after

5 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 3,410 USD3,010 USD

Average return each year-65.9%

-21.4%UnfavourableWhat you might get back after costs 8,080 USD12,160 USD

Average return each year-19.2%

4.0%ModerateWhat you might get back after costs 11,880 USD

22,590 USD

Average return each year18.8%17.7%Favourable

What you might get back after costs 15,270 USD

26,550 USD

Average return each year52.7%21.6%

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 after5 years if you exit after

(recommended

Example Investment 10,000 USD

1 yearholding period)

Total Costs

25 USD 288 USD

Annual cost impact*

0.3%

0.3% 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 18.0% before costs and 17.7% 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

0.25% of the value of your investment per year. This is based on a

25 USD

administrative or operating combination of estimated and actual costs.

costs

Transaction costs

0.00% The impact of the costs of us buying and selling underlying0 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: 5 years This Fund is designed for longer term investments; you should be prepared to stay invested for at least 5 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 You can download the past performance over the last 1 years from our website at www.ssga.com. 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