NATIXIS // 2021 Universal Registration Document

LEGAL AND GENERAL INFORMATION Statutory Auditors’ special report on related-party agreements

BPCE, a Banque Palatine and Natixis director, as represented by Marguerite Bérard-Andrieu on the Natixis Board of Directors Sylvie Garcelon, a Banque Palatine and Natixis director The expenses recognized by Natixis in respect of this agreement amounted to €345,000.00 for fiscal year 2021. Memorandum of Understanding 5. and agreements relating to the new partnership agreements between the CNP group and Groupe BPCE At its meeting of August 6, 2013, the Board of Directors gave François Pérol a mandate to set up an insurance division at Natixis, and to enter into negotiations with CNP Assurances in order for the life insurance business generated by the Group to be brought in-house at Natixis Assurances. The negotiations conducted with CNP between October 2013 and July 2014 resulted in the determinationof the fundamentalprinciples for the future partnership between BPCE, Natixis, and CNP, which were authorized by the Board of Directors on July 31, 2014. The discussions with CNP continued, and initially resulted in a master memorandum of agreement between CNP Assurances, BPCE, and Natixis, which was authorized by the Board of Directors on November 4, 2014, and then in a Memorandumof Understanding, as well as in various specific agreements referred to in that protocol (“the New Partnership Agreements”), which were authorized by the Board of Directors on February 18, 2015, and where the main provisions are as follows: Memorandum of Understanding between 5.1 CNP Assurances, BPCE and Natixis The aim of this agreement is to: acknowledge the non-renewal of the Current Agreements; V determine, organize, and manage the contractual package formed V by the New Partnership Agreements, for which the Memorandum of Understanding is the umbrella agreement; determine the term of the New Partnership Agreements, namely V seven years as from January 1, 2016. At the end of this 7-year period, BPCE will be able to either extend the new partnership agreements for a period of 3 years as from January 1, 2023, or to purchase CNP’s insurance deposit inventory. BPCE will have the option of acquiring the existing portfolio as of December 31, 2020 and CNP the option, in 2020 and 2022, of notifying BPCE of its desire to initiate discussions with a view to such sale; determine and organize the operation of the Partnership V Monitoring Committee (and of any potential sub-committees set up by the latter); and more broadly, organize and manage the relations between the V Parties under the Renewed Partnership. Corporate officers concerned on the day of the transaction: François Pérol, Chairman of the Management Board of BPCE, Chairman of the Board of Directors of Natixis and a member of the Board of Directors of CNP Assurances; Laurent Mignon, Chief ExecutiveOfficer of Natixis and a member of the Management Board of BPCE; Daniel Karyotis, a member of the Management Board of BPCE and permanent representativeof BPCE at Natixis; Alain Condaminas,a member of the SupervisoryBoard of BPCE and a member of the Board of Directors of Natixis; Catherine Halberstadt, a member of the Supervisory Board of BPCE and a member of the Board of Directors of Natixis; Didier Patault, a member of the Supervisory Board of BPCE and a member of the Board of Directors of Natixis; Thierry Cahn, a member of the Supervisory Board of BPCE and a member of the Board of Directors of Natixis; and Pierre Valentin, a member of the Supervisory Board of BPCEand a member of the Board of Directors of Natixis. This agreement had no financial impact in 2021.

Corporate officers concerned on the day of the transaction: Laurent Mignon, Chairman of the Management Board of BPCE and Chairman of the Board of Directors of Natixis; Catherine Halberstadt, a member of the Management Board of BPCE and permanent representative of BPCE at Natixis; Bernard Dupouy, a member of the Supervisory Board of BPCE and a member of the Board of Directors of Natixis; Thierry Cahn, a member of the Supervisory Board of BPCE and a member of the Board of Directors of Natixis; and Françoise Lemalle, a member of the Supervisory Board of BPCE and a member of the Board of Directors of Natixis. Corporate officers interested to the transaction: Alain Condaminas, Chief Executive Officer of Banque Populaire Occitane and a member of the Board of Directors of Natixis; Christophe Pinault, Chairman of the Management Board of Caisse d’Epargne et de Prévoyance Bretagne Pays de Loire and a member of the Board of Directors of Natixis; Sylvie Garcelon, Chief Executive Officer of Casden Banque Populaire and a member of the Board of Directors of Natixis; Philippe Sueur, a member of the Steering and Supervisory Board of Caisse d’Epargne Ile-de-France and a member of the Board of Directors of Natixis; and Nicole Etchegoïnberry, Chairwoman of the Management Board of Caisse d’Epargne Loire-Centreand a member of the Board of Directors of Natixis. In December 2021, Natixis was called as a guaranteeand paid BPCE, in respect of damages, a total amount of €9,075,038.91 (€8,955,687.00 for the tax receivable and €119,351.91 for procedural costs). Compensation agreement between 4. Natixis and Banque Palatine and amendment to the agreement On February 10, 2016, the Board of Directors authorized the signing of a compensationagreement between Natixis and Banque Palatine designed to offset particular additional costs sustained by Banque Palatine in connection with the transfer of the investment services provided to its clients to Natixis EuroTitres and Caceis, and previously provided by a service provider outside Groupe BPCE. This agreement allows Natixis EuroTitres and Caceis to benefit from additional activity related to services rendered to Banque Palatine clients under the pricing conditions applicable to the services of Groupe BPCE entities. This agreement was approved by the May 24, 2016 General Shareholders’ Meeting. Corporate officers concerned on the day the compensation agreement was signed: BPCE, a Banque Palatine and Natixis director, as representedby Daniel Karyotis on the Natixis Board of Directors; Michel Grass, Banque Palatine and Natixis director On February 9, 2017, the Board of Directors authorized the signing of an amendment to the compensationagreementbetweenNatixis and Banque Palatine originally signed on February 10, 2016, designed to offset particular additional costs sustained by Banque Palatine in connection with the transfer of the investment services provided to its clients to Natixis EuroTitres and Caceis, and previously provided by a service provider outside Groupe BPCE. This amendment changed the amount of Natixis’ compensation in order to take into account an additional cost that was not anticipated by the parties when the agreement was signed. The Board of Directors of Natixis considered that the agreement allows Natixis (EuroTitres department) to benefit from additional activity related to services rendered to Banque Palatine clients under the pricing conditions applicable to the services of Groupe BPCE entities. This amendment was rejected by the May 23, 2017 General Shareholders’ Meeting. Corporate officers concerned on the day the amendment to the compensation agreement was signed:

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021