NOTICE OF BANK MERGER ACT APPLICATION   Notice is hereby given that application has been made to the Federal Deposit Insurance Corporation (the “FDIC”) for approval for Comenity Bank, a Delaware chartered bank with its main office located at One Righter Parkway, Suite 100, Wilmington, DE 19803, to merge with and into Comenity Capital Bank, a Utah industrial bank with its main office located at 12921 South Vista Station Boulevard, Suite 100, Draper, UT 84020, with Comenity Capital Bank as the surviving institution. Neither Comenity Capital Bank nor Comenity Bank operates any branches.   It is contemplated that the main office of Comenity Capital Bank will continue to be operated, and the main office of Comenity Bank will be closed.   This notice is published pursuant to Section 18(c) of the Federal Deposit Insurance Act, 12 U.S.C. 1828(c), and 12 CFR 303.65.   Any person wishing to comment on this application may file his or her comments in writing to the Regional Director of the FDIC at its regional office, 350 Fifth Avenue, Suite 1200, New York, NY 10118-0110, not later than January 16, 2025. The non-confidential portions of the application are on file at the FDIC regional office and are available for public inspection during regular business hours. Photocopies of the non-confidential portion of the application file will be made available upon request. NJ-12/17/25, 12/29/25, 1/11/26