NOTICE OF APPLICATION FOR FORMATION OF BANK HOLDING COMPANY

NOTICE OF APPLICATION FOR FORMATION OF BANK HOLDING COMPANY OppFi Inc., Chicago, Illinois, has applied to the Board of Governors of the Federal Reserve System for permission to become a bank holding company by acquiring BNCCORP, Inc., Bismarck, North Dakota 58502, and thereby indirectly acquiring BNC National Bank, with its main office in Glendale, Arizona 85308. Following the acquisition, BNC National Bank is expected to merge with and into OppFi Interim Bank, National Association, a temporary interim national bank to be formed to facilitate the proposed transaction, with BNC National Bank to continue as the resulting bank. The resulting bank's main office will be in Salt Lake City, Utah. The Federal Reserve considers a number of factors in deciding whether to approve the application/notice including the record of performance of banks we own in helping to meet local credit needs. You are invited to submit comments in writing on this application/notice to Christopher Koopmans, Senior Vice President Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, IL 60604. The comment period will not end before July 31, 2026 and may be somewhat longer. The Board's procedures for processing applications/notices may be found at 12 C.F.R. Part 262. Procedures for processing protested applications/notices may be found at 12 C.F.R. 262.25. To obtain a copy of the Federal Reserve Board's procedures, or if you need more information about how to submit your comments on the application/notice, contact Suchi Saxena, Community Affairs Officer and Vice President, Community Development, at (312) 322-4357; to request a copy of an application, contact Christopher Koopmans at (312) 322-8119. The Federal Reserve will consider your comments and any request for a public meeting or formal hearing on the application/notice if they are received in writing by the Reserve Bank on or before the last day of the comment period. July 1 2026 LAZS0547948