Société Générale Capital Market Finance S.A.

Société Générale Capital Market Finance S.A. is a special-purpose issuer within the Société Générale group, set up as a public limited company (société anonyme) under Luxembourg law to access wholesale markets and distribute structured investment products. The entity’s core activity is the issuance of notes, certificates, and warrants under the group’s base prospectuses (including EMTN and warrant programs), with proceeds typically applied to back-to-back hedging or intra-group funding, resulting in a largely matched balance sheet and minimal standalone operating profile. Securities issued by this vehicle are generally guaranteed by Société Générale, so investors are primarily exposed to the credit risk of the French parent and to the terms of any guarantee; where securities are rated, ratings often align with the guarantor’s senior unsecured profile, and the issuer itself may be unrated. Documentation is standardized, with risk factors covering market, credit, liquidity, operational and model risks, product complexity (barriers, leverage, autocall, currency exposure), calculation-agent discretion, early redemption and adjustment mechanics, as well as resolution and bail‑in risk at the level of the guarantor under EU banking resolution frameworks. Listings are commonly sought on European exchanges such as the Luxembourg Stock Exchange, with settlement through Euroclear and Clearstream and distribution to both institutional and retail channels, subject to local offering restrictions and KID/PRIIPs requirements where applicable. The vehicle publishes audited annual financial statements and program updates; reported results reflect the margin between issuance and hedging arrangements rather than independent revenue generation. Secondary market liquidity, if any, is typically supported by the group on a best-efforts basis and can vary by product and market conditions. Investors should rely on the final terms and the relevant base prospectus for payoff specifics, fees, taxation, and governing law, and should assess exposures in light of changes to the Société Générale group’s credit profile and regulatory environment.