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Investor Presentaiton

LA BANQUE POSTALE HOME LOAN SFH: LEGAL FRAMEWORK STRUCTURE OVERVIEW NAMENSSCHULDVERSCHREIBUNGEN DOCUMENTATION Collateral Collateralised Loans La Banque Postale (Borrower) Cover Pool (French Home Loans) Principal and Interest La Banque Postale Home Loan SFH (Covered Bonds Issuer) Collateralised loans Covered Bonds (OH) Public Issuances Private Issuances Covered Bonds Proceeds LA BANQUE POSTALE Investor presentation / December 2021 COVER POOL In June 2014, La Banque Postale established a programme for the issuance of German registered covered bonds, known as Namensschuldverschreibungen or "N-bonds". Investors in the N-bonds benefit from strong protection with an absolute priority claim over the SFH's assets (including the cover pool), by law. They are ranked pari passu with the SFH's other bondholders. The N-bonds are registered covered bonds governed by German law. 71
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