In general, $$P(\text{event happens}) = 1 - P(\text{event doesn't happen}).$$
Here, the opposite (complement) of "at least one chip is defective" is "all four chips are not defective." This gives the first line of the solution.
To compute the probability of "all four chips are not defective," you use the [tacit] assumption that the defectiveness of each chip being independent of other chips, to obtain $$P(\text{all 4 chips not defective}) = P(\text{chip not defective}) \cdot P(\text{chip not defective}) \cdot P(\text{chip not defective}) \cdot P(\text{chip not defective}) = (0.98)^4.$$