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 Europe Quality Aristocrats UCITS ETF ("Fund") a sub-fund of SSGA SPDR ETFs Europe I plc Share Class: State Street SPDR S&P Europe Quality Aristocrats UCITS ETF (Acc) (ISIN IE000ZEOCR03) State Street SPDR S&P Europe 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 The Investment Manager and/or Sub-Investment Manager also may, in This Fund is an open-ended investment company with variable capitalexceptional circumstances, invest in securities not included in the Index which was incorporated in Ireland on 5 January 2011 under registration but that it believes closely reflect the risk and distribution characteristics number 493329 and is authorised by the Central Bank of Ireland as aof securities of the Index. The equity securities in which the Fund invests UCITS. will be primarily listed or traded on Recognised Markets in accordancewith the limits set out in the UCITS Regulations. Details of the Fund's Term portfolio and the indicative net asset value per Share for the Fund are The Company is an open-ended public limited company incorporated for available on the Website daily. an unlimited period. However, it may be dissolved at any time by a The Fund may use financial derivative instruments (that is, financial resolution passed at a general meeting of Shareholders adopted in contracts whose prices are dependent on one or more underlying compliance with applicable laws. assets) in order to manage the portfolio efficiently.Save in exceptional This Fund has no maturity date. However, it may be terminated and circumstances, the Fund will generally only issue and redeem shares to liquidated by the decision of the Board under specific conditions set forthcertain institutional investors. However, shares of the Fund may be in the Prospectus. purchased or sold through brokers on one or more stock exchanges. Objectives The Fund trades on these stock exchanges at market prices which mayfluctuate throughout the day. Market prices may be greater or less than Investment objective The investment objective of the Fund is to trackthe daily net asset value of the Fund.The Fund's maximum exposure to the performance of large and mid-sized equities of Developed Markets insecurities lending as a percentage of its Net Asset Value will not exceed Europe.40%. 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 thedays 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 asmarket days will be published for the Fund on www.ssga.com); and any possible the tracking difference between the Fund's performance andother day at the Directors' discretion (acting reasonably) provided that of the Index.Shareholders are notified in advance of any such days. The Index measures the performance of European companies exhibiting higher quality characteristics relative to the overall companies in theAny income earned by the Fund will be retained and reflected in an S&P Europe LargeMidCap Index (the 'Parent Index'), excluding increase in the value of the shares. companies in Emerging Markets in Europe. In order to be considered to The Shares of the EUR Class are issued in Euro. exhibit higher quality characteristics, securities in the Parent Index mustIndex Source: The Index is a trademark of S&P Global Inc., or its first satisfy the multiple consecutive years of positive free cash flowaffiliates, and have been licensed for use by S&P Dow Jones Indices ("FCF") criteria.LLC ("S&P") and sub-licensed for use to State Street Investment Index constituents are weighted based on the product of floated-adjustManagement ("State Street"). The Fund is not sponsored, endorsed, market capitalisation and Quality Score. Index constituents may onsold or promoted by S&P, its affiliates, or its third party licensors. Please occasion be rebalanced more often than the Index Rebalancesee the Prospectus for the full index disclaimer. Frequency, if required by the Index methodology, including for example where corporate actions such as mergers or acquisitions affect Intended retail investor components of the Index. Please refer to the Index methodology for This Fund is intended for investors who plan to stay invested for at least more details of Quality Score. 5 years and are prepared to take on a medium-high level of risk of loss Although the Index is generally well diversified, because of the market it to their original capital in order to get a higher potential return. It is reflects it may, depending on market conditions, contain constituents designed to form part of a portfolio of investments. issued by the same body that may represent more than 10% of the Index. In order for the Fund to track the Index accurately, the Fund will Practical information make use of the increased diversification limits available under Depositary The Fund depositary is State Street Custodial Services Regulation 71 of the UCITS Regulations. These limits permit the Fund (Ireland) Limited. to hold positions in individual constituents of the Index issued by theFurther information A copy of the Prospectus and latest annual and same body of up to 20% of the Fund's Net Asset Value. semi-annual financial report in English and the latest Net Asset Value The Investment Manager and/or Sub-Investment Manager, on behalf of per Share are available free of charge upon request from www.ssga.com the Fund, will invest using the replication strategy as further described in or by writing to the Fund Manager, State Street Global Advisors Europe the "Investment Objectives and Policies – Index Tracking Funds" sectionLimited, 78 Sir John Rogerson's Quay, Dublin 2, Ireland. of the Prospectus, primarily in the securities of the Index, at all times in accordance with the Investment Restrictions set forth in the Prospectus. 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 August 2024 and October 2025. Moderate: this type of scenario occurred for an investment between August 2018 and August 2023. Favourable: this type of scenario occurred for an investment between December 2018 and December 2023.Recommended holding period 5 years Example Investment 10,000 EUR 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 4,520 EUR4,120 EUR Average return each year-54.8% -16.3%UnfavourableWhat you might get back after costs 8,700 EUR9,900 EUR Average return each year-13.0% -0.2%ModerateWhat you might get back after costs 10,840 EUR 15,780 EUR Average return each year8.4% 9.5%Favourable What you might get back after costs 13,720 EUR 18,320 EUR Average return each year37.2%12.9% 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 EUR 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 EUR 1 yearholding period) Total Costs 31 EUR 247 EUR 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 9.8% before costs and 9.5% 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 EUR 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 EURAnnual 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 EUR administrative or operating combination of estimated and actual costs. costs Transaction costs 0.06% The impact of the costs of us buying and selling underlying6 EUR 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 EUR 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 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