An Application to Organize a National Bank Has Been Filed on November 13, 2025 with the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation The organizers, identified below, intending to organize and operate an insured national bank according to the provisions of the National Bank Act and the Federal Deposit Insurance Act, as amended, submit an application to the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation (FDIC) for permission to organize an insured national bank, and propose as follows: 1. That the main office of the national bank will be located in the city of Eagle, Ada County, Idaho. 2. That the national bank will have the following title: VALT Bank, N.A. Organizers John R. Elmore, Lawrence, Kansas R. Ross Carey, Lake Oswego, Oregon Matthew M. Gediman, Boise, Idaho Kim E. Hoyt, Salem, Oregon Dana R. Johnson, Timnath, Colorado Edward M. Chuang, Los Angeles, California John P. Peckham, Scottsdale, Arizona VALT Investor Group Inc., Denver, Colorado Any person desiring to comment on this application may do so by submitting written comments within 30 days following the date of publication of this notice to the Director for Licensing, Office of the Comptroller of the Currency, Independence Plaza, 1050 17th St., Suite 1500, Denver, CO 80265, or by emailing LicensingPublicComments@occ.treas.gov. A person who wishes to view the public file should submit a request to the Director for Licensing, Office of the Comptroller of the Currency, Independence Plaza, 1050 17th St., Suite 1500, Denver, CO 80265, or by emailing Licensing@occ.treas.gov. The public may find information regarding this application, including the date of the end of the public comment period, in the OCC Weekly Bulletin at www.occ.gov. Any person wishing to comment on this application may also file comments in writing with the Regional Director of the FDIC, 25 Jessie Street at Ecker Square, Suite 2300, San Francisco, California 94105, within 30 days following the date of publication of this notice. The non-confidential portions of the application are on file at the regional office and available for public inspection during regular business hours. Photocopies of the non-confidential portion of the application file will be made available upon request. IPL0290896 Nov 15-16 2025