Bond BPCe 2.825% ( FR0011334366 ) in EUR

Issuer BPCe
Market price 100 %  ⇌ 
Country  France
ISIN code  FR0011334366 ( in EUR )
Interest rate 2.825% per year ( payment 1 time a year)
Maturity 27/09/2021 - Bond has expired



Prospectus brochure of the bond BPCE FR0011334366 in EUR 2.825%, expired


Minimal amount /
Total amount /
Detailed description BPCE is a French banking group formed by the merger of several regional banking networks, primarily operating through its two main subsidiaries, Banque Populaire and Caisse d'Epargne.

This financial instrument, an obligation identified by ISIN FR0011334366 and issued by BPCE, a major French cooperative banking group formed from the merger of Groupe Caisse d'Épargne and Groupe Banque Populaire, has successfully reached its scheduled maturity on September 27, 2021, having been fully redeemed at its par value of 100% in EUR; this French-issued bond provided investors with an annual interest rate of 2.825% throughout its lifecycle, concluding with its complete repayment.








Final Terms dated 26 September 2012



BPCE
Euro 40,000,000,000
Euro Medium Term Note Programme
for the issue of Notes

SERIES NO: 2012-39
TRANCHE NO: 1
EUR 10,000,000 2.825 per cent. Notes due 28 September 2021


DZ BANK AG




















PART A ­ CONTRACTUAL TERMS
Terms used herein shall be deemed to be defined as such for the purposes of the Conditions (the
"Conditions") set forth in the Base Prospectus dated 17 November 2011 which received visa n°11-536
from the Autorité des marchés financiers (the "AMF") on 17 November 2011 and the Base Prospectus
Supplements dated 25 January 2012, 24 February 2012, 3 April 2012, 11 May 2012, 21 May 2012, 15
June 2012, 9 August 2012 and 31 August 2012 which together constitute a base prospectus for the
purposes of the Prospectus Directive (Directive 2003/71/EC) (the "Prospectus Directive") as amended
(which includes the amendments made by Directive 2010/73/EU (the "2010 PD Amending
Prospectus Directive") to the extent that such amendments have been implemented in a Member
State of the European Economic Area).
This document constitutes the Final Terms of the Notes described herein for the purposes of Article
5.4 of the Prospectus Directive and must be read in conjunction with such Base Prospectus as so
supplemented. Full information on the Issuer and the offer of the Notes is only available on the basis
of the combination of these Final Terms and the Base Prospectus as so supplemented. The Base
Prospectus and the Base Prospectus Supplements are available for viewing at the office of the Fiscal
Agent or each of the Paying Agents and on the website of the AMF (www.amf-france.org) and copies
may be obtained from BPCE, 50 avenue Pierre Mendès-France, 75013 Paris, France.

1. Issuer:
BPCE
2. (i) Series Number:
2012-39
(ii) Tranche Number:
1
3. Specified Currency or Currencies:
Euro ("EUR")
4. Aggregate Nominal Amount of Notes

admitted to trading:
(i)
Series:
EUR 10,000,000
(ii)
Tranche:
EUR 10,000,000
5. Issue Price:
100.00 per cent. of the Aggregate Nominal Amount
6. Specified Denomination(s):
EUR 100,000
7. (i)
Issue Date:
28 September 2012

(ii)
Interest Commencement Date:
Issue Date
8. Interest Basis:
2.825 per cent. Fixed Rate
(further particulars specified below)
9. Maturity Date:
28 September 2021
10. Redemption/Payment Basis:
Redemption at par
11. Change of Interest or Redemption/
Not Applicable
Payment Basis:

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12. Put/Call Options:
Not Applicable
13. (i) Status of the Notes:
Unsubordinated Notes
(ii) Dates
of
the
corporate Decision of the Directoire of the Issuer dated 04 June
authorisations for issuance of Notes 2012 and of Mr. Roland Charbonnel, Director Group
obtained:
Funding and Investor Relations dated 20 September
2012.
14. Method of distribution:
Non-syndicated
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
15. Fixed Rate Note Provisions
Applicable
(i)
Rate of Interest:
2.825 per cent. per annum payable annually in arrear
(ii)
Interest Payment Date(s):
28 September in each year / not adjusted
(iii) Fixed Coupon Amount:
EUR 2,825 per EUR 100,000 in Nominal Amount
(iv) Broken Amount(s):
Not Applicable
(v)
Day Count Fraction (Condition
Actual/Actual (ICMA)
5(a)):
(vi) Determination Dates:
28 September in each year
(vii) Other terms relating to the method Not Applicable
of calculating interest for Fixed
Rate Notes:
16. Floating Rate Note Provisions
Not Applicable
17. Zero Coupon Note Provisions
Not Applicable
18. Index-Linked
Interest
Note/other Not Applicable
variable-linked interest Note Provisions

19. Dual Currency Note Provisions
Not Applicable
PROVISIONS RELATING TO REDEMPTION
20. Call Option
Not Applicable
21. Put Option
Not Applicable
22. Final Redemption Amount of each Note
EUR 100,000 per Note of EUR 100,000 Specified
Denomination
23. Early Redemption Amount

(i)
Early Redemption Amount(s) of
each Note payable on redemption
for taxation reasons (Condition
6(f)), for illegality (Condition 6(j)) or
on event of default (Condition 9) or

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other early redemption and/or the
method of calculating the same (if
required or if different from that set
out in the Conditions):
As set out in the Conditions
(ii)
Redemption for taxation reasons
permitted on days others than
Interest
Payment
Dates
(Condition 6(f)):
No
(iii) Unmatured Coupons to become
void
upon
early
redemption
(Materialised Bearer Notes only)
(Condition 7(f)):
Not Applicable
GENERAL PROVISIONS APPLICABLE TO THE NOTES
24. Form of Notes:
Dematerialised Notes
(i)
Form of Dematerialised Notes:
Bearer form (au porteur)
(ii)
Registration Agent:
Not Applicable
(iii) Temporary Global Certificate:
Not Applicable
(iv) Applicable TEFRA exemption:
Not Applicable
25. Financial Centre(s) or other special

provisions relating to Payment Dates:
TARGET
26. Talons for future Coupons or Receipts to
be attached to Definitive Notes (and
dates on which such Talons mature):
Not Applicable
27. Details relating to Partly Paid Notes:
amount of each payment comprising the
Issue Price and date on which each
payment
is
to
be
made
and
consequences (if any) of failure to pay:
Not Applicable
28. Details relating to Instalment Notes:
amount of each instalment, date on
which each payment is to be made:
Not Applicable
29. Redenomination, renominalisation and Not Applicable
reconventioning provisions:
30. Consolidation provisions:
Not Applicable
31. Masse:
Applicable

The initial Representative will be:
BNP Paribas Securities Services
Global Corporate Trust

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Les Grands Moulins de Pantin
9 rue du Débarcadère
93500 PANTIN
France
represented by Mr. Sylvain THOMAZO

The alternate Representative will be:
Sandrine D'HAUSSY
69 avenue Gambetta
94100 Saint Maur des Fossés
France

32. Other final terms:
Not Applicable
DISTRIBUTION

33. (i) If syndicated, names of Managers:
Not Applicable
(ii) Stabilising Manager(s) (if any):
Not Applicable
34. If non-syndicated, name and address of
Dealer:
DZ BANK AG Deutsche Zentral-
Genossenschaftsbank, Frankfurt am Main
Platz der Republik
60265 Frankfurt am Main
Germany
35. Additional selling restrictions:
Not Applicable
36. Commission and concession:
Not Applcable
GENERAL

37. The aggregate principal amount of

Notes issued has been translated into

Euro at the rate of [·] producing a sum
Not Applicable
of:

PURPOSE OF FINAL TERMS
These Final Terms comprise the final terms required for issue and admission to trading on Euronext
Paris of the Notes described herein pursuant to the Euro 40,000,000,000 Euro Medium Term Note
Programme of BPCE.
RESPONSIBILITY
The Issuer accepts responsibility for the information contained in these Final Terms.
Signed on behalf of BPCE
Duly represented by: Roland Charbonnel, Director Group Funding and Investor Relations

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PART B ­ OTHER INFORMATION
1.
RISK FACTORS
Not applicable
2.
LISTING AND ADMISSION TO TRADING

(i) Listing:
Euronext Paris
(ii) Admission to trading:
Application has been made by the Issuer (or on its behalf)
for the Notes to be admitted to trading on Euronext Paris
with effect from 28 September 2012.
(iii) Estimate of total expenses

related to admission to
EUR 4,900
trading:
3.
RATINGS
Not Applicable
Ratings:
4.
NOTIFICATION
Not Applicable
5.
INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE
So far as the Issuer is aware, no person involved in the offer of the Notes has an interest
material to the offer.
6.
Fixed Rate Notes only ­ YIELD
Indication of yield:
2.825 per cent. per annum
The yield is calculated at the Issue Date on the basis of the
Issue Price. It is not an indication of future yield.
7.
OPERATIONAL INFORMATION
ISIN Code:
FR0011334366
Common Code:
083495111
Depositaries:

(i)
Euroclear France to act as
Central Depositary:
Yes
(ii)
Common Depositary for
Euroclear and Clearstream

6


Luxembourg:
No
Any clearing system(s) other than Not Applicable
Euroclear
and
Clearstream,
Luxembourg and the relevant
identification number(s):
Delivery:
Delivery free of payment
Names and addresses of

additional Paying Agent(s) (if any):
Not Applicable



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