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 UCITS ETF ("Fund") a sub-fund of SSGA SPDR ETFs Europe I plc Share Class: State Street SPDR S&P 500 GBP Hdg UCITS ETF (Dist) (ISIN IE00BYYW2S15) State Street SPDR S&P 500 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 Save in exceptional circumstances, the Fund will generally only This Fund is an open-ended investment company with variableissue and redeem shares to certain institutional investors. However, capital which was incorporated in Ireland on 5 January 2011 under shares of the Fund may be purchased or sold through brokers on registration number 493329 and is authorised by the Central Bank ofone or more stock exchanges. The Fund trades on these stock Ireland as a UCITS.exchanges at market prices which may fluctuate throughout the day.Market prices may be greater or less than the daily net asset value Term of the Fund. The Company is an open-ended public limited companyThe Fund's maximum exposure to securities lending as a incorporated for an unlimited period. However, it may be dissolved percentage of its Net Asset Value will not exceed 40%. at any time by a resolution passed at a general meeting ofThe Shares of the GBP Class are issued in Pound Sterling. Shareholders adopted in compliance with applicable laws. This Fund has no maturity date. However, it may be terminated and Shareholders may redeem shares on any UK business day (other liquidated by the decision of the Board under specific conditions set than days on which relevant financial markets are closed for forth in the Prospectus. business and/or the day preceding any such day provided that alist of such closed market days will be published for the Fund on Objectives www.ssga.com); and any other day at the Directors' discretion Investment objective The objective of the Fund is to track the U.S.(acting reasonably) provided Shareholders are notified in advance equity market performance of large cap equity securities. of any such days. The Fund seeks to track the performance of the S&P 500 Index (the Any income earned by the Fund will be paid to shareholders in "Index") as closely as possible. respect of the shares. The Fund is an index tracking fund (also known as a passively Index Source: The Index is a trademark of S&P Global Inc., or its managed fund). affiliates, and have been licensed for use by S&P Dow Jones Investment policies The Fund invests primarily in securities Indices LLC ("S&P") and sub-licensed for use to State Street included in the Index. These securities include the top 500Investment Management ("State Street"). The Fund is not companies in the U.S. equity market. The Fund seeks to hold allsponsored, endorsed, sold or promoted by S&P, its affiliates, or its the securities of the Index with the approximate weightings as in that third party licensors. Please see the Prospectus for the full index Index. disclaimer. Although the Index is generally well diversified, to enable the Fund Intended retail investor to track the Index accurately, the Fund will make use of the This Fund is intended for investors who plan to stay invested for at increased diversification limits available under the UCITS least 5 years and are prepared to take on a medium-high level of Regulations, which permit it to hold positions in individual risk of loss to their original capital in order to get a higher potential constituents of the Index issued by the same body of up to 20% of return. It is designed to form part of a portfolio of investments. the Fund's net asset value. The Fund will use a replication strategy to create a near mirror-Practical information image of the Index. In limited circumstances the Fund may purchase Depositary The Fund depositary is State Street Custodial Services securities that are not included in the Index. (Ireland) Limited. This GBP Hedged Class is made available to reduce exchange rateFurther information A copy of the Prospectus and latest annual fluctuations between the currency of this Share Class and the and semi-annual financial report in English and the latest Net Asset currency in which the underlying assets of the Fund areValue per Share are available free of charge upon request from denominated. The Share Class will be hedged back to GBP andwww.ssga.com or by writing to the Fund Manager, State Street consequently should more closely track the corresponding hedgedGlobal Advisors Europe Limited, 78 Sir John Rogerson's Quay, version of the Index (S&P 500 Index). Dublin 2, Ireland. The Fund may use financial derivative instruments (that is, financial contracts whose prices are dependent on one or more underlying assets) in order to manage the portfolio efficiently. 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 4 out of 7, which is a medium risk category. Lower risk Higher 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 23456 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 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 September 2024 and October 2025. Moderate: this type of scenario occurred for an investment between February 2017 and February 2022. Favourable: this type of scenario occurred for an investment between October 2016 and October 2021. Recommended holding period 5 years Example Investment 10,000 GBP 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 costs3,080 GBP 2,920 GBP Average return each year -69.2% -21.8% Unfavourable What you might get back after costs8,160 GBP 12,000 GBP Average return each year -18.4% 3.7% Moderate What you might get back after costs11,570 GBP 19,910 GBP Average return each year 15.7% 14.8% Favourable What you might get back after costs15,580 GBP 23,350 GBP Average return each year 55.8% 18.5% 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 GBP is invested. Page 2/3 | Key Information Document | 19 February 2026 if you exit after 5 years if you exit after (recommended Example Investment 10,000 GBP 1 year holding period) Total Costs 6 GBP 60 GBP 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 14.9% before costs and 14.8% 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 GBPis 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 GBP 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 GBP administrative or operating combination of estimated and actual costs. costs Transaction costs 0.01% The impact of the costs of us buying and selling underlying 1 GBPinvestments 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 GBP 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 requestpreviousperformance 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. 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