CHASE HEATING AND COOLING INC

may not exceed the applicable statutory limit. In addition, Participants who are age 50 or older are permitted to make additional Contributions known as “catch-up” contributions. Matching contributions Generally, except as discussed below, each contributing employer (“Contributing Employer”) makes an annual matching contribution ("Matching Contribution") on behalf of each Participant who has completed one year of service in an amount equal to 100 % of the Participant’s pre-tax and/or Roth 401(k) Contributions up to 5 % of eligible compensation – provided that the Participant is employed by JPMorgan Chase at the end of the calendar year, unless certain specified conditions are met. Participants whose total annual cash compensation is $ 350,000 to $ 999,999 are eligible for Matching Contrib

ed benefits A Participant who terminates employment may elect to receive the value of his or her vested benefit under the Plan. In the event of the death of a married Participant, fully vested benefits will be distributed to the Participant’s spouse or to another beneficiary if the spouse previously consented. An unmarried Participant may designate anyone as his or her beneficiary. If there is no spouse or living beneficiary on the date of the Participant’s death, the value of the vested benefit is distributed to the Participant’s estate. A terminated Participant whose vested account balance under the Plan (including loans) is $ 1,000 or more may elect to: (1) receive a lump sum payment, (2) obtain a rollover payment to an IRA (traditional or Roth) or another employer’s qualified plan, (3)

well as employees who are classified as intern, seasonal, or temporary, are eligible to participate after completing one year of service. Newly eligible and rehired employees are automatically enrolled in the Plan at a 5 % before-tax contribution rate on ongoing compensation (base salary/regular pay and any non-annual cash incentive compensation) unless they otherwise enroll themselves or opt out of the Plan within their first 31 days of eligibility ( 3 % rate prior to January 1, 2025). Further, unless the employees elect a different rate, for employees who are automatically enrolled, their contribution rate is automatically increased annually by 1 % until they reach a before-tax contribution rate of 10 % . Unless another investment election is chosen, Participant contributions are invest

acked securities sold short at fair value 2,266,572 2,177,263 Total liabilities at fair value 2,905,882 2,699,765 Payable for investments purchased 586,181,301 537,463,018 Accrued administrative expenses 2,282,522 2,240,713 Other 1,944,755 1,880,713 Total liabilities 593,314,460 544,284,209 Net assets available for benefits $ 61,516,155,510 $ 52,369,173,291 The accompanying notes to financial statements are an integral part of these statements. 4 JPMORGAN CHASE 401(k) SAVINGS PLAN Statements of Changes in Net Assets Available For Benefits Year ended December 31, 2025 2024 Additions: Contributions: Participants $ 1,850,973,142 $ 1,709,701,770 Employers 1,410,253,989 1,261,974,961 Rollovers 332,588,682 386,997,353 Total contributions 3,593,815,813 3,358,674,084 Investment income: Dividend in