Bond BPCe 1.6% ( FR0013154523 ) in EUR

BPCe

100 % ⇌

France

FR0013154523 ( in EUR )

1.6% per year ( payment 1 time a year)

21/04/2031

Prospectus brochure of the bond BPCE FR0013154523 en EUR 1.6%, maturity 21/04/2031

21/04/2026 ( In 215 days )

BPCE is France's second-largest banking group, a cooperative network formed from the merger of the Banques Populaires and Caisses d'Epargne, providing a comprehensive range of retail banking, asset management, and insurance services.

The Bond issued by BPCe ( France ) , in EUR, with the ISIN code FR0013154523, pays a coupon of 1.6% per year.
The coupons are paid 1 time per year and the Bond maturity is 21/04/2031

Final Terms dated 19 April 2016

BPCE

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

SERIES NO: 2016-17
TRANCHE NO: 1
EUR 30,000,000 1.60 per cent. Notes due 21 April 2031 (the "Notes")

Dealer

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 18 November 2015 which received visa n°15-588 from the Autorité des
marchés financiers (the "AMF") on 18 November 2015 and the Base Prospectus Supplements dated 29 February
2016 and 5 April 2016 which received visa n°16-062 and n°16-118 from the AMF on 29 February 2016 and 5
April 2016 (the "Supplements") which together constitute a base prospectus for the purposes of the Prospectus
Directive (Directive 2003/71/EC), as amended (the "Prospectus Directive").
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:
2016-17
(ii)
Tranche Number:
1
3. Specified Currency or Currencies:
Euro ("EUR")
4. Aggregate Nominal Amount:

(i)
Series:
EUR 30,000,000
(ii)
Tranche:
EUR 30,000,000
5. Issue Price:
100.00 per cent. of the Aggregate Nominal Amount
6. Specified Denomination(s):
EUR 100,000
7. (i)
Issue Date:
21 April 2016

(ii)
Interest Commencement Date:
Issue Date
8. Interest Basis:
1.60 per cent. Fixed Rate
(further particulars specified below)
9. Maturity Date:
21 April 2031
10. Redemption Basis:
Subject to any purchase and cancellation or early
redemption, the Notes will be redeemed on the Maturity
Date at 100 per cent. of their nominal amount
11. Change of Interest Basis:
Not Applicable
12. Put/Call Options:
Not Applicable
13. (i) Status of the Notes:
Senior Notes
2

(ii) Dates of the corporate authorisations Decision of the Directoire of the Issuer 27 April 2015 and
for issuance of Notes obtained:
decision of Mr. Jean-Philippe Berthaut, Head of Group
Funding, dated 12 April 2016
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
14. Fixed Rate Note Provisions
Applicable
(i)
Rate of Interest:
1.60 per cent. per annum payable in arrear on each Interest
Payment Date
(ii) Resettable:
Not Applicable
(iii) Interest Payment Dates:
21 April in each year commencing on 21 April 2017 to and
including the Maturity Date.
(iv) Fixed Coupon Amount:
EUR 1,600 per Note of EUR 100,000 Specified
Denomination
(v)
Day Count Fraction:
Actual/Actual (ICMA)
(vi) Determination Dates:
21 April in each year
(vii) Payments on Non-Business Days
As per Conditions
15. Floating Rate Note Provisions
Not Applicable
16. Zero Coupon Note Provisions
Not Applicable
17. Inflation Linked Interest Note Provisions
Not Applicable
PROVISIONS RELATING TO REDEMPTION
18. Call Option
Not Applicable
19. Put Option
Not Applicable
20. Final Redemption Amount of each Note
EUR 100,000 per Note of EUR 100,000 Specified
Denomination
Inflation Linked Notes Provisions relating
to the Final Redemption Amount:
Not Applicable
21. Early Redemption Amount

(i)
Early Redemption Amount(s) of each
Note payable on redemption for
taxation reasons (Condition 6(h)), for
illegality (Condition 6(k)) or on event
of default in the case of the Senior EUR 100,000 per Note of EUR 100,000 Specified
Notes (Condition 9):
Denomination
(ii)
Redemption for taxation reasons
permitted on days others than Interest
Payment Dates (Condition 6(h)):
Yes
(iii) Unmatured Coupons to become void
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upon early redemption (Materialised
Bearer Notes only) (Condition 7(f)):
Not Applicable
GENERAL PROVISIONS APPLICABLE TO THE NOTES
22. 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
23. Financial Centre(s):
Not Applicable
24. Talons for future Coupons or Receipts to be Not Applicable
attached to Definitive Notes (and dates on
which such Talons mature):
25. Details relating to Instalment Notes: amount Not Applicable
of each instalment, date on which each
payment is to be made:
26. Redenomination provisions:
Not Applicable
27. Purchase in accordance with Article L.213-1 Applicable
A and D.213-1 A of the French Code
monétaire et financier:
28. Consolidation provisions:
Not Applicable
29. Masse:
Contractual Masse shall apply
Name and address of the Representative:
MCM AVOCAT, Selarl d'avocats interbarreaux inscrite au
Barreau de Paris
10, rue de Sèze
75009 Paris
France
Represented by Maître Antoine Lachenaud, Co-gérant
associé

Name and address of the alternate Representative:
Maître Philippe Maisonneuve
Avocat
10, rue de Sèze
75009 Paris
France
The Representative will receive a remuneration of Euro
2,000 (excluding VAT) per year.
4

RESPONSIBILITY
The Issuer accepts responsibility for the information contained in these Final Terms.
Signed on behalf of BPCE

Duly represented by: Jean-Philippe Berthaut, Head of Group Funding

5

PART B OTHER INFORMATION
1. LISTING AND ADMISSION TO TRADING
(i) Listing and Admission to trading:
Application has been made by the Issuer (or on its behalf) for
the Notes to be listed and admitted to trading on Euronext Paris
with effect from the Issue Date.
(ii) Estimate of total expenses related EUR 7,600
to admission to trading:
2. RATINGS
Ratings:
The Notes to be issued are expected to be rated:
S & P: A
S&P is established in the European Union and registered under
Regulation (EC) No 1060/2009 as amended.
3. NOTIFICATION
Not Applicable
4. INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE
"Save as discussed in "Subscription and Sale", so far as the Issuer is aware, no person involved in the offer
of the Notes has an interest material to the offer.
5. YIELD
Indication of yield:
1.60 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.
6. OPERATIONAL INFORMATION
ISIN:
FR0013154523
Common Code:
139773900
Depositaries:

(i)
Euroclear France to act as Central
Depositary:
Yes
(ii)
Common Depositary for Euroclear
and Clearstream Luxembourg:
No
Any
clearing
system(s)
other
than
Euroclear and Clearstream, Luxembourg
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and the relevant identification number(s):
Not Applicable
Delivery:
Delivery against of payment
Names and addresses of additional Paying

Agent(s) (if any):
Not Applicable
7.
DISTRIBUTION

(i)
Method of distribution:
Non-syndicated

(ii) If syndicated:

(iii) If non-syndicated, name and
DZ BANK AG Deutsche Zentral-Genossenschaftsbank,
address of Dealer:
Frankfurt am Main

(iv) US Selling Restrictions
Reg. S Compliance Category 2 applies to the Notes; TEFRA
(Categories of potential
not applicable
investors to which the Notes are
offered):

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