Erebor Bank, National Association, In Organization

Erebor Bank, National Association, In Organization Community Reinvestment Act Strategic Plan (the "CRA Strategic Plan") The Community Reinvestment Act ("CRA") requires a bank that seeks to implement a CRA Strategic Plan to publish notice of the CRA Strategic Plan and solicit formal written public comment for at least a 30-day period. In conformance with this requirement, Erebor Bank, National Association (In Organization) ("Bank") hereby provides notice to the public of its initial draft CRA Strategic Plan, and its plan to submit a CRA Strategic Plan to the Office of the Comptroller of the Currency ("OCC"). Written comments from the public concerning the CRA Strategic Plan are encouraged. Individuals may request to review the CRA Strategic Plan. To obtain a copy of the Bank's initial draft CRA Strategic Plan at no charge to the requesting party, individuals may request a copy by email at cra@erebor.so, by telephone at (614) 259-7339, or by mail at 20 West 22nd Street, Suite 509, New York, NY 10010. All written comments regarding the CRA Strategic Plan should be directed to the Bank at the email or address listed above. Written comments submitted by email or postmarked by mail on or before January 11, 2026 will be reviewed and considered, after which date the CRA Strategic Plan will be submitted to the OCC. The Bank will incorporate suggestions to the CRA Strategic Plan at its discretion. December 12 2025 LWOO0416275