The past year has required strength and resilience from so many. It has also shown that the work we do at JPMorgan Chase matters. For the customers and clients of the Firm, our work is impactful in good times—and is particularly important through challenging times. We strive to be resilient to crisis and to weather the pressure of each day while making strides toward our long-term eforts at sustainable growth and bring- ing value to our shareholders. For over 200 years, JPMorgan Chase has worked to help our employees, customers and communities turn their aspirations into realities. Our longstanding commitment to integrity, fair- ness and responsibility continues to guide our work today as we help to power the global economy. We recognize the signifcant economic and societal opportuni- ties associated with a successful transition to a low-carbon economy. In 2022, we continued to act on our goal to align our fnancing of key sectors—Oil & Gas, Electric Power and Auto Manufacturing—with the goals of the Paris Agreement, and have established three new sectoral goals for Iron & Steel, Cement and Aviation. We are targeting $1 trillion by the end of 2030—as part of an overall $2.5 trillion sustainable development target—to advance renewable energy and other innovative technologies. And we are minimizing the environ- mental impact of our physical operations across thousands of branches, as well as our data centers and corporate ofces. Our business is stronger when our economy is more inclusive. We are striving to advance economic inclusion around the world, including our eforts to help close the racial wealth gap among Black, Hispanic and Latino communities in the U.S. through the Firm’s $30 billion Racial Equity Commitment. Our commitment to advancing racial equity in the U.S. is a long- term journey for the Firm, and we are already thinking of what comes after the fve-year mark. Our people drive our success, and it is through their ingenu- ity, excellence and integrity that we seek to build a prosper- ous business. We are investing in the future of the workplace, focusing on well-being and frm culture, and embarking on construction of our new global headquarters in Manhattan, planned to be a zero-emissions building with state-of-the-art space for our employees. Our work has seldom been more challenging, or more important, than the last several years. JPMorgan Chase employees, over 290,000 of us, persevere with a grace and fortitude that makes me proud. In this year’s ESG report, I invite you to read about the work we do to remain resilient and forge meaningful progress.