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Investor Presentaiton

La Banque Postale Home Loan SFH: legal framework A STRONG LEGAL FRAMEWORK AND ADVANTAGEOUS TREATMENT FOR INVESTORS INVESTOR INFORMATION: A DEDICATED WEBSITE - - - - - - - LBP Home Loan SFH is a French credit institution, wholly owned by LBP, licensed by the French banking and insurance supervisor (ACPR) Minimum contractual over-collateralisation (OC) of 8.1% versus legally required minimum of 5%, using the same weightings Under CRD IV/CRR (article 129) and LCR delegated act, covered bonds with minimum size of €500m rated AA- or better are eligible for inclusion in level 1B for LCR and benefit from a 10% RW Covered bonds are secured by a segregated asset pool and a preferential legal claim for covered bond investors Absolute seniority for repayment purposes, no early redemption or acceleration Regulated covered bonds are exempt from bail-in (BRRD) Compliant with European Covered Bond Premium Label expectations LBP Home Loan SFH LA BANQUE POSTALE Main information on La Banque Postale Home Loan SFH .115 rue de Sèvres - 75006 Paris - France • Credit institution approved by the French Prudential and Resolution Authority (ACPR) • Paris Trade and Companies Registry: 522 047 570 • Limited company with Executive and Supervisory Boards 100 % of the capital is owned by La Banque Postale Specific controller: Cailliau Dedouit and Associates Statutory Auditors: KPMG - Mazars ECBC Label to ensure full transparency of the asset pool B COVERED BOND LABEL. HTT INVESTOR PRESENTATION - SEPTEMBER 2023 34
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