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 1-3 Year U.S. Treasury Bond UCITS ETF ("Fund") a sub-fund of SSGA SPDR ETFs Europe I plc Share Class: State Street SPDR Bloomberg 1-3 Year U.S. Treasury Bond UCITS ETF (Acc) (ISIN IE000ZMFFPP4) State Street SPDR Bloomberg 1-3 Year U.S. Treasury 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? Typebusiness and/or the day preceding any such day provided that a This Fund is an open-ended investment company with variable list of such closed market days will be published for the Fund on capital which was incorporated in Ireland on 5 January 2011 under www.ssga.com); and any other day at the Directors' discretion registration number 493329 and is authorised by the Central Bank of (acting reasonably) provided Shareholders are notified in advance Ireland as a UCITS. of any such days. Any income earned by the Fund will be retained and reflected in an Termincrease in the value of the shares. The Company is an open-ended public limited company The Shares of the USD Class are issued in U.S. Dollar. incorporated for an unlimited period. However, it may be dissolved at any time by a resolution passed at a general meeting of Index Source: Bloomberg Index Services Limited. BLOOMBERG® Shareholders adopted in compliance with applicable laws.is a trademark and service mark of Bloomberg Finance L.P. and its This Fund has no maturity date. However, it may be terminated and affiliates (collectively "Bloomberg"). Bloomberg or Bloomberg's liquidated by the decision of the Board under specific conditions set licensors own all proprietary rights in the Bloomberg Indices. forth in the Prospectus.Neither Bloomberg nor Bloomberg's licensors approves or endorses this material, or guarantees the accuracy or Objectives completeness of any information herein, or makes any warranty, Investment objective The investment objective of the Fund is to express or implied, as to the results to be obtained therefrom and, to seek to track the performance of the short-dated U.S. Treasury bond the maximum extent allowed by law, neither shall have any liability market. or responsibility for injury or damages arising in connection The Fund is an index tracking fund (also known as a passively therewith. managed fund). Index Source: The Index is the intellectual property of the Index Investment policies The Fund invests primarily in securitiesprovider. The Fund is not sponsored or endorsed by the Index included in the Index. These securities will include public provider. The Index provider does not provide any warranty or (government) obligations of the U.S. Treasury with a maturity accept any liability in relation to any error relating to the Index, between 1 and up to (but not including) 3 years. As it may be including any error in respect of the quality, accuracy or difficult to purchase all securities in the Index efficiently, in seeking completeness of Index data, and does not guarantee that the Index to track the performance of the Index the Fund will use a a stratified will be in line with the described Index methodology. Please see the sampling strategy to build a representative portfolio. Consequently,Prospectus for the full index disclaimer. the Fund will typically hold only a subset of the securities included in the Index. In limited circumstances the Fund may purchase Intended retail investor securities that are not included in the Index. This Fund is intended for investors who plan to stay invested for at least 3 years and are prepared to take on a medium-high level of The Fund may use financial derivative instruments (that is, financial risk of loss to their original capital in order to get a higher potential contracts whose prices are dependent on one or more underlying return. It is designed to form part of a portfolio of investments. assets) in order to manage the portfolio efficiently. Save in exceptional circumstances, the Fund will generally only Practical information issue and redeem shares to certain institutional investors. However,Depositary The Fund depositary is State Street Custodial Services shares of the Fund may be purchased or sold through brokers on (Ireland) Limited. one or more stock exchanges. The Fund trades on these stock Further information A copy of the Prospectus and latest annual exchanges at market prices which may fluctuate throughout the day. and semi-annual financial report in English and the latest Net Asset Market prices may be greater or less than the daily net asset value Value per Share are available free of charge upon request from of the Fund.www.ssga.com or by writing to the Fund Manager, State Street The Fund's maximum exposure to securities lending as a Global Advisors Europe Limited, 78 Sir John Rogerson's Quay, percentage of its Net Asset Value will not exceed 70%. Dublin 2, Ireland. Shareholders may redeem shares on any UK business day (other than days on which relevant financial markets are closed for Page 1/3 | Key Information Document | 19 February 2026 What are the risks and what could I get in return? RisksWe have classified this product as 2 out of 7, which is a low risk category. Lower risk Higher risk This rates the potential losses from future performance at a low level, and poor market conditions are very unlikely to impact the capacity of State Street Global Advisors Europe Limited to pay you.1 23456 7 Be aware of currency risk. You may receive payments in a different The risk indicator assumes you keep the product for 3 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 money because of movements in the markets or because we are not able toBesides the risks included in the risk indicator, other risks may affect pay you. The Fund's risk category is not guaranteed and may change the fund performance. Please refer to the Fund Prospectus, available in the future. free of charge at www.ssga.com. 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 June 2020 and June 2023. Moderate: this type of scenario occurred for an investment between November 2021 and November 2024. 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 costs8,770 USD 9,080 USD Average return each year -12.3% -3.2% Unfavourable What you might get back after costs9,480 USD 9,630 USD Average return each year -5.2% -1.3% Moderate What you might get back after costs10,080 USD 10,360 USD Average return each year 0.8% 1.2% Favourable What you might get back after costs10,670 USD 11,390 USD Average return each year 6.7% 4.4% 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: Qin the first year you would get back the amount that you invested (0% annual return). For the other holding periods we have assumed the product performs as shown in the moderate scenario, Q10,000 USD is invested. Page 2/3 | Key Information Document | 19 February 2026 if you exit after 3 years if you exit after (recommended Example Investment 10,000 USD 1 year holding period) Total Costs 8 USD 24 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 1.3% before costs and 1.2% after costs. Composition of costs Annual cost impact if you One-off costs upon entry or exitexit after 1 year Entry costs 0.00% The impact of the costs you pay when entering your investment. This 0 USDis the most you will pay, and you could pay less. The impact of costs arealready included in the price. This includes the costs of distribution of yourproduct. Exit costs0.00% The Impact of the costs of exiting your investment when it matures. 0 USD Annual cost impact if you Ongoing costs taken each year exit after 1 year Management fees and other 0.05% of the value of your investment per year. This is based on a5 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 underlying 3 USDinvestments for the product. Annual cost impact if you Incidental costs taken under specific conditionsexit after 1 year Performance fees There 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 medium to 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 canrequestpreviousperformance scenariosupdated ona 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. Page 3/3 | Key Information Document | 19 February 2026