FIRST NEIGHBORHOOD BANK

ued under the Plan cannot exceed 400,000 shares of common stock. Shares available for issuance at February 28, 2026 were 188,269 . Certent, Inc. is the record keeper for the Plan. Administrative expenses of the Plan are paid by the Company. Plan Year The Plan year begins on March 1 and ends on February 28 (or February 29 in the case of a leap year). ​ Eligibility An employee of the Company or any Participating Subsidiary is eligible to participate in the Plan if the employee has been continuously employed by the Company or any Participating Subsidiary for at least 90 days (except that any bona fide leave of absence will not render a participant so long as the leave does not exceed three months or, if longer than three months, the individual’s right to reemployment is provided by statute or

Unless otherwise provided in a collective bargaining agreement, FE makes a matching contribution of 50 % on the first 6 % of eligible compensation contributed by an employee. All employer matching contributions are provided as shares in FE common stock, except for certain IBEW Local 777 participants whose matching contributions are made in cash. Catch-up contributions are not eligible for matching contributions. The number of shares of FE common stock contributed to each participant is based on the market price of FE common stock as of the end of each pay period. Plan participants may diversify matching contributions held in FE common stock at any time, subject to certain limitations. Participant Accounts Individual accounts are maintained for each Plan participant. Each participant’s acc

nion may participate to the extent permitted by their respective collective bargaining agreement. Unless otherwise provided in a collective bargaining agreement, new employees are automatically enrolled in the Plan with a deemed election to contribute, on a pre-tax basis, 6 % of eligible earnings for each payroll period with automatic increases of 1 % each April until the employee contribution rate reaches 10 %. Automatic enrollment and annual increases can be changed by Plan participants at any time. Plan participants who do not make an affirmative election as to the investment of his or her contributions shall have his or her contributions invested in the age appropriate LifePath Portfolio Fund made available to all Plan participants. A LifePath Portfolio Fund is an investment alternativ

es receivable from participants 58,601,839 56,461,860 Due from brokers 405,358 582,369 Total receivables 59,841,463 57,840,542 Total assets 4,224,641,028 3,921,527,319 Liabilities Administrative expenses payable 438,761 456,062 Due to brokers 696,846 2,306,444 Total liabilities 1,135,607 2,762,506 Net assets available for benefits $ 4,223,505,421 $ 3,918,764,813 The accompanying notes are an integral part of these financial statements. 3 FirstEnergy Corp. Savings Plan Statement of Changes in Net Assets Available for Benefits ___________________________________________________________________________________________________________________________________ For the Year Ended December 31, 2025 Additions: Contributions: Employer $ 40,249,813 Participant 159,459,017 Total contributions 199,708,

hat time. Employees hired prior to the Restructuring of the Plans who elected to continue participation in their respective Pension Plan are eligible to make deferrals and receive employer matching contributions in accordance with the Legacy 401(k) Plan. Under the Legacy 401(k) Plan, FCB matches participants’ deferrals in an amount equal to 100 % of the first 3 %, and 50 % of the next 3 %, of the participant's compensation that he or she defers, up to and including a maximum matching contribution of 4.5 % of the participant’s eligible compensation. Employees hired prior to the Restructuring of the Plans who elected to participate in an “enhanced” 401(k) plan (now, the FCB 401(k) Plan) and associates hired or rehired after the Restructuring of the Plans (including former CIT and Silicon Val

outh Pension Plan”), and a plan assumed upon completion of the CIT Merger (the “CIT Pension Plan”). Participants in the FCB Pension Plan and First-Citizens South Pension Plan were fully vested after five years of service. Retirement benefits are based on years of service and highest annual compensation for five consecutive years during the last ten years of employment. The FCB Pension Plan and First-Citizens South Pension Plan were closed to new participants as of April 1, 2007 and September 1, 2007, respectively. On the CIT Merger Date, BancShares assumed the CIT Pension Plan which is also closed to new participants. There were no discretionary contributions made to the Pension Plans during 2025 or 2024. BancShares makes contributions to the Pension Plans in amounts between the minimum re