Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 42

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 42
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 to constitute each series, which number may be increased or decreased                                      
 (but not below the number of shares then outstanding) from time to time by our board of directors unless otherwise provided by the board of directors; |

| • |     | the dividend rate (or method of determining such rate), if any; any conditions on which and times at which                                                                                                                                           
 dividends are payable; any preferences over or relation which such dividends shall bear to the dividends payable on any other class or classes, or any other series, of capital stock, including the preferred stock; whether such dividends will be 
 cumulative or non-cumulative; and whether the shares will be participating or nonparticipating with other shares with respect to dividends;                                                                                                          |

| • |     | whether shares within a series will be redeemable (at the option of the corporation or the holders of such shares                                                                                                                                         
 or both, or upon the happening of a specified event), and, if so, the redemption prices (or the method of determining such prices) and the conditions and times upon which redemption may take place and whether for cash, property, or rights, including 
 securities of the corporation or of another corporation;                                                                                                                                                                                                  |

| • |     | the terms and amount of any sinking, retirement, or purchase fund; |

| • |     | the conversion or exchange rights (at the option of the corporation or the holders of such shares or both, or                                                        
 upon the happening of a specified event), if any, including the conversion or exchange times, prices, rates, adjustments, and other terms of conversion or exchange; |

| • |     | the voting rights, if any, of the holders of shares of each series; |

| • |     | any restrictions on the issuance or reissuance of additional shares of the Preferred Stock; |

| • |     | the rights of the holders upon voluntary or involuntary liquidation, dissolution, or winding up of the affairs of                                                                                                                                  
 BancShares; any preferences over any other class or classes, or any other series, of capital stock, including preferred stock; and whether the shares will be participating or nonparticipating with other shares with respect to distributions of 
 BancShares’ assets upon liquidation, dissolution, or winding up of the affairs of BancShares;                                                                                                                                                      |

| • |     | any limitations or restrictions on transfer; and |

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| • |     | such other powers, rights, and preferences, if any, for the benefit of the holders of, or other