Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 38

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 38
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 have delivered to the Trustee an officers’ certificate and an opinion of counsel, each stating that such                                                                                                                 
 consolidation, merger, conveyance, transfer, or lease and such supplemental indenture comply with this covenant and that all conditions precedent herein provided for relating to such transaction have been complied with. |

Further Issues If no event of default has occurred and is continuing with respect to the Notes, we may, from time to time, without notice to or the consent of the holders of the Notes, create and issue additional subordinated notes under the Subordinated Indenture ranking equally with the Notes and with identical terms in all respects (or in all respects except for the offering price, the payment of interest accruing prior to the issue date of such further subordinated notes and the first payment of interest following the issue date of such additional subordinated notes) in order that such additional subordinated notes may be consolidated and form a single series with the Notes and have the same terms as to status, redemption, or otherwise as the Notes; provided, however, that a separate CUSIP number will be issued for any such additional subordinated notes unless such additional subordinated notes are fungible with the Notes for U.S. federal income tax purposes, subject to the procedures of the DTC. In addition, we may, from time to time, create and issue other series of subordinated debt securities under the Subordinated Indenture having different terms than the Notes. Determinations and Decisions We are expressly authorized to make certain determinations, decisions, and elections under the terms of the Notes. Any determination, decision, or election that may be made by us under the terms of the Notes, including any determination with respect to a rate or adjustment or of the occurrence or non-occurrenceof an event, circumstance, or date and any decision to take or refrain from taking any action or any selection:

| • |     | will be conclusive and binding on the holders of the Notes and the Trustee absent manifest error; |

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| • |     | if made by us, will be made in our sole discretion; and |

| • |     | notwithstanding anything to the contrary in the Subordinated Indenture, shall become effective without consent 
 from the holders of the Notes or the Trustee.                                                                  |

The Subordinated Indenture provides that the Trustee will have no liability relating to any delay caused by our failure to timely or appropriately determine the rate of interest borne by the Notes. Calculation Agent Initially we have appointed U.S