INTERNATIONAL PAPER SOLUTIONS

dding an additional pretax percentage to their existing deferral rates necessary to equal 8 % total contributions. Salaried employees were added to re-enrollment for July 1, 2025. Company Matching Contributions —The Company matches in cash all participant contributions at 70 % on the first 4 % of compensation contributed to the Plan and 50 % on the next 4 % of compensation contributed to the Plan. Retirement Savings Account —The Company makes a Retirement Savings Account (“RSA”) contribution for employees equal to 3 % of compensation for employees under 40, 4 % for employees 40 through 49, 5 % for employees 50 through 54, and 6 % for employees 55 and above. Rollover Contributions —The Plan is authorized to accept rollover contributions and direct trust-to-trust transfers of cash amounts wh

es and administrative expenses. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vested account. Vesting —Participants are immediately vested in their participant contributions and rollover contributions, plus earnings thereon. Participants become 100 % vested in Company matching contributions and RSA contributions, plus earnings thereon, after three years of service. Participants also are fully vested in amounts contributed by the Company, plus earnings thereon, upon attainment of age 65 , termination of employment due to death or disability, or termination of employment due to permanent closure or sale of an employee’s work facility. Forfeited balances of terminated participants are used to reduce future Company contributions. Note

salaried employee, or a non-bargained hourly employee at a designated location, and is employed on a non-temporary basis. Participation in the Plan is voluntary. New employees are automatically enrolled in the Plan 45 days from the date they become eligible to participate, unless they otherwise decline participation. Participant Contributions —Participant contributions may be made as before-tax, after-tax or Roth 401(k) contributions, or in any combination, and are subject to certain Internal Revenue Code (the “Code”) limitations. The maximum rate of participant contributions is 85 % of annual compensation as defined by the Plan. Effective January 1, 2024, employees who are automatically enrolled contribute at the rate of 8 % of compensation, which is automatically increased by 1 % each ye

s 28,599 Total investment income 639,527 Interest income on notes receivable from participant loans 5,413 Total additions 916,083 DEDUCTIONS: Benefits paid to participants 624,101 Administrative expenses 2,267 Total deductions 626,368 NET INCREASE IN NET ASSETS BEFORE TRANSFERS 289,715 Transfers, net (Note 8) ( 361,180 ) NET DECREASE IN NET ASSETS ( 71,465 ) NET ASSETS AVAILABLE FOR BENEFITS: Beginning of year 4,993,470 End of year $ 4,922,005 See notes to financial statements. 3 INTERNATIONAL PAPER COMPANY SALARIED SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS AS OF DECEMBER 31, 2025 AND 2024 AND YEAR ENDED DECEMBER 31, 2025 NOTE 1 - DESCRIPTION OF THE PLAN The following description of the International Paper Company Salaried Savings Plan (the “Plan”) provides only general information about