Book size: 4400; First Pay: 2026-07-18; Registration: Reg S Only; Comments: EUR1.25bn 5.5yr cpn fxd 2.75% at 99.994, yld 2.753%. Spread: MS+23. OBL 2.5% 04/31 35.1+bps (@100.46 - HR 103%). LEI: 969500C9913Z7PKUGB44;

Reoffer: Long 5yr: MS+23bp / 99.994 / 2.753% Benchmark: Long 5yr: OBL 2.5% 16-Apr-31 @ 100.46 / B+35.1 / HR 103% Final Books: > €4.4bn. Peak book > €4.9bn. Launched: Long 5yr: €1.25bn @ MS+23bp - Books over €4.9bn Guidance: Long 5yr: MS+32a Issuer: Crédit Agricole Home Loan SFH LEI: 969500C9913Z7PKUGB44 Type: Obligations de Financement de l'Habitat - ECB Eligible – ECBC Covered Bond Label (Premium)/CRR Compliant-10% RW Exp. Ratings: Aaa/AAA/AAA (Moody’s/Standard & Poor's/Fitch) Form of the Covered Bonds: Reg S Bearer Dematerialised Covered Bonds Issue Size: €1.25bn Settlement: 18-Feb-26 (T+7) Maturity: 18-Jul-31 – Long 5yr soft bullet Extended Maturity Date: 18-Jul-32 Coupon: 2.75% Fixed Annual, Short First payable on 18-Jul-26, Act/Act ICMA Reoffer: m/s+23bps / 2.753% yld / 99.994 Benchmark: OBL 2.5% 16-Apr-31 35.1+bps (@100.46 - HR 103%) List/Law/Denoms: Paris / French / EUR 100k+100k ISIN: FR0014016606 Documentation: The terms set out in this Term Sheet are subject entirely to the terms and conditions set forth in the final terms (referred to in this Term Sheet as the "Final Terms") and the base prospectus dated 19-Feb-25 and any supplement thereto, in connection with the Euro 50,000,000,000 Covered Bonds (the "Base Prospectus", together with the Final Terms, the "Covered Bonds Documentation"). EU MiFID II / UK MiFIR Target Market: Professional clients/ECPs-Only (each as defined according to EU MiFID II and/or in the COBS and the UK MiFIR as applicable) . Fees: The Banks will be paid a fee by the Issuer in respect of the placement of the securities. Details of the fee may be made available on request to investors participating in the transaction. Global Coordinator: Crédit Agricole CIB Joint Bookrunners: Crédit Agricole CIB (B&D), CIBC, Erste Group, ING, IMI - Intesa Sanpaolo , Nordea and SEB Timing: Priced - TOE 14.38UKT / FTT 14.50UKT Advertisement: Base Prospectus dated 19-Feb-25 as supplemented is available on the following https://www.credit-agricole.com/en/finance/debt-and-ratings/wholesale-bonds-issues/ca-home-loan-sfh-covered-bonds