QUESTIONS & ANSWERS

Saint-Gobain PEG is a share purchase plan for current employees. It includes an employee shareholder operation to enable you to become a shareholder of Saint-Gobain, either directly or indirectly depending on local legislation, at preferential conditions, notably thanks to a discount (20% in 2025) on the share price. Saint-Gobain has proposed this operation every year since 1988.

Preferential subscription price

Saint-Gobain employees get a discount (20% in 2025), i.e. a 20% reduction on the reference price of the Saint-Gobain share.

A contribution from your employer.

The employer’s contribution is a payment made by your company in addition to your own payment.

Possible dividends, determined every year at the General Meeting.

Saint-Gobain pays management costs

Saint-Gobain pays all financial and administrative costs of investments made by subscribers. You only pay commission of [0.084%] on any reimbursements when you release all or some of your assets.

The funds invested will not be available until the end of a lock-in period. The lock-in period is 5 years. However, there are cases of so-called early redemption, subject to certain circumstances enumerated exhaustively by regulations, that permit the release of your assets before the end of the lock-in period. The list of these early redemption cases is provided in the legal documents concerning the PEG in your country.

Shares are subscribed at a discount (20% in 2025) compared with the reference price of the Saint-Gobain share.

The reference price is determined according to French legislation on savings plans and corresponds to the average of the 20 stock market prices (opening prices) preceding the date of setting the price.

If I am in a country outside the euro zone, how will the exchange rate affect my investment?
You subscribe in your local currency, based on the Euro exchange rate set a few days before the subscription price is set.

The reference price is determined according to French legislation on savings plans and corresponds to the average of the 20 stock market prices (opening prices) preceding the date of setting the price.

If I am in a country outside the euro zone, how will the exchange rate affect my investment?
You subscribe in your local currency, based on the Euro exchange rate set a few days before the subscription price is set.

Thus, if the value of the Euro has increased with respect to your currency, the value of your investment in your currency will increase. However, if the value of the Euro has decreased with respect to your currency, the value of your investment in your currency will decrease, and you will suffer a capital loss on your personal contribution.

Note: throughout the investment period, the value of your investment will vary according to exchange rate fluctuations between the Euro and your currency.

If you hold shares directly, you will be paid dividends directly. They will be re-invested in the Saint-Gobain PEG Monde CMF if you subscribed via the CMF, thus increasing the number of CMF shares you own.

All personnel of Saint-Gobain and its subsidiaries

• in the companies proposing the PEG,
• with a permanent or fixed term employment contract,
• with at least 3 months’ total seniority at the date of the end of subscription.

Employees having left the Group before the start of the subscription period may not make further payments to the PEG.

Summary:

You have two options to pay for your subscription: ​​​
Option 1:  ​​
The amount of your contribution will be deducted from​​ your paycheque on a post-tax basis from May through November 2025, or a longer period until the subscription is paid in full.​​​​​
Option 2: ​​
Pay via a one-time Lump sum payment.  Contact your PEG representative for payment details.​​​

The maximum amount you can invest is 25% of your gross annual base salary compensation for 2024 or your 2025 annualized base salary compensation rate. This cap applies to your individual contribution to the Employee Offering.

For the purposes of calculating your gross annual compensation, you should only include your base salary. Further, the employer’s matching contribution should not be taken into account when calculating your total contribution in the Employee Offering.

You are responsible for determining your 2024 base salary or your 2025 annualized base salary compensation rate, subject to confirmation by Saint-Gobain as to reasonableness. Your subscription may not exceed 25% of your gross annual remuneration for the year of subscription.

Contact your PEG representative (link to contacts)

The PEG representative (with the possibility of delegation) will be approved at the collection site; he/she can regenerate and send out access codes.

Log on to the www.amundi-ee.com/account account site by clicking:

“Access your account” / Access to Employee Share Ownership Plan, then select your language

Follow the procedure: “I forgot my identifier” and “I forgot my password”.

Some events, defined by regulations, enable early redemption of your assets.

Redemption is not automatic:

With a few exceptions, a single event can only result in a single early payment, concerning all or some of the rights eligible for early redemption, at your choice.

Only the assets on your account on the date of the operative event can be redeemed early, except in the case of death and assignment of the holder’s employment contract.

Early redemption cases for your country are listed in the legal document concerning the PEG in your country.

AMUNDI ÉPARGNE SALARIALE ET RETRAITE is the Account Holder and Share Keeper (TCCP) of all funds proposed within the Group savings plan applicable within the Saint-Gobain Group.

AMUNDI is the employee investment portfolio manager for the MCP invested in Saint-Gobain shares.

Via Internet: To access your employee savings account and news on the company savings: www.amundi-ee.com/account / Access to Employee Share Ownership Plan / choose your language

This site enables secure consultation and on-line management of your account. You can place orders on your available assets.

It also allows you to send a message to Amundi using secure messaging.

You will receive, either electronically (for e-service subscribers) or by post:

• An operation notification after any purchase request,
• A summary notification of operations carried out at the end of [June] (sent in [July]),
• An account statement summarising the situation of your assets on the last stock market date of the year (sent in [January]).

Remember to update your personal contact details with Amundi Epargne Salariale et Retraite by downloading and filling in the correspondence form on the website: www.amundi-ee.com/account

This correspondence form should be posted to:

AMUNDI ÉPARGNE SALARIALE ET RETRAITE - 26956 Valence Cedex 9 - France

Subscribe to e-services on the website www.amundi-ee.com/account / Access to Employee Share Ownership Plan, then choose your language:

• Provide your email address
  Your annual account statement and all other documents will be available for download and on-line consultation. The e-statement is automatically archived on www.amundi-ee.com/account and its printed version has the same legal value as a paper statement. Amundi Epargne Salariale et Retraite informs you via email of the availability of e-statements.
• Provide your mobile number
  If you lose your password, it can be sent to your mobile.

If the member dies, his/her heirs cannot continue to hold the account of the deceased.

A list of contacts per Business Unit can be found on the “Contacts” page.

Monitoring and management control of the funds in which you place your assets are entrusted to the PEG Monde CMF Supervisory Board. The Supervisory Board comprises elected representatives of employee shareholders and representatives of the member companies, who are appointed by these companies.

The CMF Supervisory Board examines the fund’s financial and administrative management reports every year.

The fund’s Supervisory Board comprises:

• One member per geographic zone, who is both employee and holder of shares, representing current holders of shares and former employees of the member companies, directly elected by holders of shares;
  and
• One member per geographic zone representing the Saint-Gobain Group, appointed by Senior Management.

The term of the mandate is five financial years.

The Supervisory Board meets at least once a year to examine the management report and annual accounts of the fund, to examine the financial, administrative and accounting management and to adopt the annual report. It exercises the voting rights attached to the shares owned by the CMF.

This depends on how your Saint-Gobain shares are held. If you subscribed directly, then yes, you can exercise your voting right directly at the General Meeting. If you subscribed via the “Saint-Gobain PEG Monde” CMF, the CMF Supervisory Board will appoint a representative to exercise the voting rights attached to the shares held by the CMF at Saint-Gobain General Meetings.

To following the Group on the stock market, you can download the Saint-Gobain Shareholder application.