b'Financial Independence: Strength Today, Stability TomorrowFinancial independence allows CHHS to make decisions locallybased on whats best for our patients and communities. Its what enables us to remain mission-driven, not market-driven. By maintaining strong financial performance, we ensure that care stays local, accessible, and compassionate while supporting continued investment in our people, programs, and facilities. Simply put, financial independence means your health system is strong, stable, and here to stay.Our Commitment in ActionFinancialSustaining strength to serve: In Fiscal Year 2025, CHHS achieved a 3.4 % operating margin, surpassing the budget target for the fiscal year. This financial health reflects disciplined expense management, operational efficiency, and a steadfast focus on patient-centered care. Strong credit ratingsAA- from Fitch and A+ from S&Paffirm our systems Independence long-term stability and independence. Over the past five years, weve strategically invested $77.6 million from operating cash flow while reducing debt and pension liabilities. This stewardship ensures that every dollar earned supports our missionfunding the care, technology, and workforce that directly benefit our patients and communities. Removing barriers to care: Financial hardship should never prevent someone from getting the care they need. CHHS has simplified access to financial assistance with new tools that determine eligibility automaticallyeliminating paperwork and delays. For patients, that means faster approvals and peace of mind. For our health system, it improves efficiency and reduces bad debtallowing us to direct more resources toward providing charity care and improving community health.StandardPhilanthropy in action: Generosity from our community continues to strengthen CHHSs mission. This year, we raised & Poors (S&P) more than $4 millionexceeding our $3.4 million goalto support initiatives including the renovation of The Family CREDIT RATING AGENCYgranted its Place, enhancements to the Payson Center for Cancer Care, and investments in innovation at the Cardiovascular Institute. A + Philanthropy fuels progress, expands access, and ensures we can continue caring for our patients with excellence and compassionas we build a healthier future together.CREDIT RATINGfor Concord Hospital Financial independence means security for our patients and peace of mind for our communities. It means knowing care Health System The rating outlookdecisions are made here, by people who understand and care about New Hampshire. Through sound management, is stable. innovation, and generosity, CHHS remains strong and sustainableso we can keep our promise of clinical and service excellence for every patient, every time.56 CONCORD HOSPITAL HEALTH SYSTEM |Financial Independence'