HARBOR CITY RESEARCH, INC.

of operations. Defined Contribution Plan The Company has defined contribution plans under which eligible employees may contribute up to the maximum amount as provided by law. The Company matches a portion of these employee contributions and contributed $ 31.5 million, $ 30.9 million and $ 28.8 million in 2025, 2024 and 2023 respectively. Advertising Expense Advertising costs are expensed as incurred. Advertising expense was $ 9.8 million in 2025, $ 11.4 million in 2024 and $ 10.9 million in 2023. Stock-based Compensation Stock-based compensation cost is measured at the grant date based on the fair value of the award and is recognized as expense over the requisite service period, which generally represents the vesting period. In addition, the Company issues awards with performance targets

6,918 659,217 646,301 (32,299) (4.9) 12,916 2.0 Corporate 55,696 36,131 36,780 19,565 N/M (649) N/M Total 4,144,599 4,061,370 3,746,124 83,229 2.0 315,246 8.4 Selling, General and Administrative Expenses (3) : Environmental Services 387,529 371,263 346,791 16,266 4.4 24,472 7.1 Safety-Kleen Sustainability Solutions 72,989 78,575 78,089 (5,586) (7.1) 486 0.6 Corporate 255,781 261,810 225,578 (6,029) (2.3) 36,232 16.1 Total 716,299 711,648 650,458 4,651 0.7 61,190 9.4 Adjusted EBITDA: Environmental Services 1,343,776 1,267,462 1,101,608 76,314 6.0 165,854 15.1 Safety-Kleen Sustainability Solutions 137,454 147,006 172,873 (9,552) (6.5) (25,867) (15.0) Corporate (311,291) (297,534) (261,911) (13,757) (4.6) (35,623) (13.6) Total $ 1,169,939 $ 1,116,934 $ 1,012,570 $ 53,005 4.7% $ 104,364 10.3%

an investment option, all contributions are invested in an age-based default fund (based upon the participant's age), as defined in the Plan agreement. Vesting - Participants are immediately vested in all contributions, the employer match, and earnings thereon when they are made to the Plan. Fully Benefit-Responsive Investment Contracts - This investment is a general account product offered through a group annuity contract and the participant's principal and interest are fully guaranteed by the entire general account assets of the insurance company. Participant transfers may be restricted for up to 30 days in the event of excessive participant trading. If the Plan Sponsor chooses a book value payout for termination, participant transfer restrictions will apply until the money is paid to t

tions from participants 4,196,234 5,519,500 Net appreciation in fair value of investments 11,605,773 Total additions 18,011,021 Deductions: Benefits paid to participants 6,186,546 Administrative expenses 17,384 Total deductions 6,203,930 Net increase 11,807,091 Net assets available for benefits: Beginning of year 96,175,537 End of year $ 107,982,628 The accompanying notes are an integral part of these financial statements. 4 City Holding Company 401(k) Plan and Trust Notes to Financial Statements Note 1. Description of Plan The following description of the City Holding Company 401(k) Plan and Trust (the “Plan”) provides only general information. Participants should refer to the plan document for a complete description of the Plan's provisions. General - The Plan is a defined contribution s

ed in the appropriate investment funds in accordance with the participants’ directions and the Plan’s provisions. 7 Table of Contents Employer contributions - The Company may make matching contributions as defined in the Plan. In 2025, the Company matched 50 % of each eligible participant’s salary deferral contribution (excluding catch-up contributions and after-tax contributions) up to a maximum of the first 6 % of the participant’s eligible compensation, on a per-payroll-period basis. If a participant who was an active employee on the last day of the plan year did not receive the full 50 % Company match, the Company provided a year end “true up” contribution to provide such participants with the 50 % that they would have received had the timing of their contributions not limited the Comp

utions. No additional discretionary matching contributions or discretionary profit sharing contributions were made for the year ended December 31, 2025. Vesting - Participants are immediately vested in their entire account, including employer matching, additional discretionary matching, and discretionary profit sharing contributions (if any). Participant accounts - Each participant’s account is credited with the participant’s contributions, Plan earnings or losses in funds selected by the participant, and an allocation of the Company’s contribution, if any. Allocation of the Company’s contribution is based on participant contributions and / or compensation, as defined in the Plan. In the event that the participant fails to make an investment election, participant contributions and Company

nt reduction in either taxable or after-tax compensation (in the form of pretax, Roth or after-tax contributions). New hires that do not make an affirmative election otherwise are automatically enrolled in the Plan with a taxable compensation deferral rate of 6 % on a pre-tax basis. Participants are permitted to designate their contributions as Roth contributions subject to current taxation as wages but which, together with earnings, would be nontaxable when distributed from the Plan, and participants may elect to have certain vested assets held on an after-tax and pre-tax basis converted to be considered designated Roth contributions. Contributions withheld are invested in accordance with the participants’ directions. Participants are also allowed to make rollover contributions of amounts

07,716 Employer’s 37,847,922 Rollovers 16,604,696 186,560,334 Total additions 1,022,404,439 Deductions from net assets attributed to: Withdrawals and distributions ( 262,519,081 ) Administrative expenses ( 751,057 ) Total deductions ( 263,270,138 ) Net increase in net assets 759,134,301 Net assets available for benefits: Beginning of year 2,830,979,711 End of year $ 3,590,114,012 See notes to financial statements 5 Table of Contents SAVINGS PLUS PLAN, LAM RESEARCH 401(k) NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2025 and 2024 NOTE 1 - THE PLAN AND ITS SIGNIFICANT ACCOUNTING POLICIES General - The following description of the Savings Plus Plan, Lam Research 401(k) (the “Plan”) provides only general information about the Plan in the form existing on December 31, 2025. Readers should refer t