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Notice of Application to Form Bank Holding Companies and Acquire a Bank OakNorth UK Holdings Limited (“UK Topco”), a United Kingdom-based private limited company; OakNorth Holdings Limited (“Jerseyco”), a Jersey-registered private company headquartered in St. Helier, Jersey; OakNorth Interim Holdings Limited (“Bank Holdco”), a United Kingdom-based private limited company; and OakNorth U.S. Holdings LLC (“US Holdco”), a Delaware-based limited liability company have applied to the Federal Reserve Board for permission to become bank holding companies and acquire a bank. UK Topco, Jerseyco, Bank Holdco and US Holdco intend to acquire control of Community Unity Bank (“CUB”), Birmingham, Michigan, and OakNorth Interim Bank, National Association (“Interim Bank”), an interim bank with its main office in Birmingham, Michigan, that will be newly chartered to facilitate the transaction. CUB will merge with and into Interim Bank, with Interim Bank continuing as the surviving bank (the “Bank Merger”). Upon consummation of the Bank Merger, Interim Bank will be renamed “OakNorth Bank, National Association.” OakNorth Bank, National Association’s main office will be in Birmingham, Michigan. The Federal Reserve considers a number of factors in deciding whether to approve the application 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 to Colette A. Fried, Assistant Vice President Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, IL 60604. Comments may also be submitted to comments.applications@chi.frb.org. The comment period will not end before Thursday, June 25, 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 Colette A. Fried at (312) 322-6846. The Federal Reserve will consider your comments and any request for a public meeting or formal hearing on the application if they are received in writing by the Reserve Bank on or before the last day of the comment period.