Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 27

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 27
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 in connection with the acquisition of any business, properties, or assets not evidenced by a note or similar instrument given in connection therewith; |

| • |     | all obligations of the type referred to in the foregoing list of other persons or entities for the payment of                                                                                                                             
 which BancShares is responsible or liable as obligor, guarantor, or otherwise, whether or not classified as a liability on a balance sheet prepared in accordance with generally accepted accounting principles in the United States; and |

| • |     | any renewals, amendments, deferrals, supplements, extensions, refundings, or replacements of any of the 
 foregoing.                                                                                              |

S-15

Senior Indebtedness excludes:

| • |     | any indebtedness, obligation, or liability referred to in the list above as to which, in the instrument creating                                                                                                           
 or evidencing the same or pursuant to which the same is outstanding, it is provided that such indebtedness, obligation, or liability is not superior in right of payment to the Notes, or ranks pari passu with the Notes; |

| • |     | any such indebtedness, obligation, or liability which is subordinated to indebtedness of BancShares to 
 substantially the same extent as, or to a greater extent than, the Notes are subordinated;             |

| • |     | any indebtedness to a subsidiary of BancShares; |

| • |     | any trade account payables in the ordinary course of business; and |

| • |     | the Notes. |

Notwithstanding the foregoing, if the Federal Reserve (or other applicable regulatory agency or authority) promulgates any rule or issues any interpretation that defines general creditor(s), the main purpose of which is to establish criteria for determining whether the subordinated debt of a financial or bank holding company is to be included in its capital, then the term “general creditors” as used in the definition of “Senior Indebtedness” in the Subordinated Indenture will have the meaning as described in that rule or interpretation. Upon the liquidation, dissolution, winding up, or reorganization of BancShares, we must pay to the holders of all Senior Indebtedness the full amounts of principal of, premium, interest, and any other amounts owing on, that Senior Indebtedness before any payment is made on the Notes. If, after we have made those payments on our Senior Indebtedness there are amounts available for payment on the Notes, then we may make any payment on the Notes.