BPCE - 2020 Universal Registration Document

LEGAL INFORMATION

STATUTORY AUDITORS’ SPECIAL REPORT ON RELATED-PARTY AGREEMENTS AND COMMITMENTS

Collateral remuneration agreement between BPCE and the Caisses d’Epargne Joint directors concerned on the applicable date: Yves Toublanc, Chairman of the Supervisory Board of CNCE and Chairman of the Steering and Supervisory Board of CE Rhône Alpes, Jean Arondel, a member of the Supervisory Board of CNCE and Chairman of the Steering and Supervisory Board of CE Loire-Centre, Jean-Charles Boulanger, a member of the Supervisory Board of CNCE and Chairman of the Steering and Supervisory Board of CE Aquitaine Poitou-Charentes, Jean-ClaudeCette, a member of the SupervisoryBoard of CNCE and Chairman of the Steering and Supervisory Board of CE Provence-Alpes-Corse, Francis Henry, a member of the Supervisory Board of CNCE and Chairman of the Steering and Supervisory Board of CE Lorraine Champagne-Ardenne,Philippe Lamblin, a member of the Supervisory Board of CNCE and Chairman of the Steering and Supervisory Board of CE Nord France Europe, Pierre Mackiewicz, a member of the Supervisory Board of CNCE and Chairman of the Steering and Supervisory Board of CE Côte d’Azur, Bernard Roux, a member of the Supervisory Board of CNCE and Chairman of the Steering and Supervisory Board of CE Midi-Pyrénées, Pierre Valentin, a member of the Supervisory Board and Chairman of the Steering and Supervisory Board of CE Languedoc-Roussillon, Maurice Bourrigaud, a member of the Supervisory Board of CNCE and Chairman of the Management Board of CE d’Auvergne et du Limousin, Joël Chassard, a member of the Supervisory Board of CNCE and Chairman of the Management Board of CE Normandie, Bernard Comolet, Vice-Chairmanof the Supervisory Board of CNCE and Chairman of the Management Board of CE Ile-de-France,Alain Denizot, a member of the SupervisoryBoard of CNCE and Chairman of the Management Board of CE Picardie, Jean-PierreDeramecourt,a member of the Supervisory Board of CNCE and Chairman of the Management Board of CE d’Alsace, Alain Maire, a member of the Supervisory Board of CNCE and Chairman of the Management Board of CE Bourgogne Franche-Comté, Philippe Monéta, a member of the Supervisory Board of CNCE and Chairman of CE Loire Drôme Ardèche and Didier Patault, a member of the Supervisory Board of CNCE and Chairman of the Management Board of CE Bretagne Pays de Loire. CNCE and the Caisses d’Epargne have implemented, and may continue to implement in the future, with the Banque de France, GCE group refinancing arrangements involving the direct or indirect use of assets belonging to the Caisses d’Epargne. CNCE and the Caisses d'Epargne wished to define the terms and conditions under which the Caisses d'Epargnewill receive a minimum financial commission in exchange for transferring assets eligible for ECB Monetary Policy Operations and not otherwise eligible for specific remunerationas securities lending or repo transactions. The agreement is entered into for three years and is renewable automatically for another three-year period, unless terminated in advance. At its meeting of June 24, 2009, the CNCE Supervisory Board authorized CNCE to sign this collateral remuneration agreement with each of the Caisses d’Epargne. This transaction resulted in the recognition of an expense of €2,925,380.61 on BPCE’s 2020 financial statements. Collateral remuneration agreement between BPCE and the Banques Populaires Joint directors concerned on the applicable date: Gérard Bellemon, a member of the Supervisory Board of BPCE and

Chairman of the Board of Directors of Banque Populaire Val de France, Thierry Cahn, a member of the Supervisory Board of BPCE and Chairman of the Board of Directors of Banque Populaire d’Alsace, Pierre Desvergnes, a member of the Supervisory Board of BPCE and Chairman of the Board of Directors of CASDEN Banque Populaire, Stève Gentili, a member of the Supervisory Board of BPCE and Chairman of the Board of Directors of BRED, Jean Criton, a member of the Supervisory Board of BPCE and Managing Director of Banque Populaire Rives de Paris and Bernard Jeannin, a member of the Supervisory Board of BPCE and Managing Director of Banque Populaire Bourgogne Franche-Comté. BPCE and the Banques Populaires have implemented, and may continue to implement in the future, with the Banque de France, Groupe BPCE refinancing arrangements involving the direct or indirect use of assets belonging to the Banques Populaires. BPCE and the Banques Populaires wished to define the terms and conditions under which the Banques Populaires will receive a minimum financial commission in exchange for transferring assets eligible for ECB Monetary Policy Operations and not otherwise eligible for specific remunerationas securities lending or repo transactions. The purpose of the collateral remuneration agreement is to determine the bases for calculation and payment under which the Banque Populaire will receive a payment from BPCE in return for directly or indirectly transferring assets that are eligible for ECB Monetary Policy Operations. At its meeting of February 24, 2010, the Supervisory Board authorized BPCE to sign this collateral remuneration agreement with each of the Banques Populaires. It was entered into on July 15, 2010 for an indefinite period. This transaction resulted in the recognition of an expense of €1,459,566.83 on BPCE’s 2020 financial statements. AGREEMENTS WITH NATIXIS AND ITS SUBSIDIARIES Framework partnership agreement between BPCE, Natixis Assurances, BPCE Assurances, Covéa Coopérations, MAAF Assurances, Covéa Protection Juridique and BPCE IARD Joint directors concerned on the applicable date: François Riahi, member of the Management Board of BPCE, Chief Executive Officer of Natixis and Chairman of the Board of Directors of Natixis Assurances. This framework agreement focuses on insurance of professional risks for customers of the Caisses d’Epargne and Banques Populaires. This agreement was entered into for five years from January 1, 2020 and can be renewed for successive five-year periods. The Supervisory Board of BPCE believed that entering into this framework partnership agreement was in BPCE’s interest, specifically in light of the strategic rationale behind planned operations and the financial terms proposed. At its meeting of March 28, 2019, the Supervisory Board authorized the signing of the framework partnership agreement (and its appendices) between BPCE, Natixis Assurances, BPCE Assurances, Covéa Coopérations, MAAF Assurances, Covéa Protection Juridique and BPCE IARD. This agreement had no impact on BPCE’s 2020 financial statements.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE