Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 37

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 37
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| • |     | amend, alter, or repeal the provisions of our certificate of incorporation, including the certificate of                                                                                                           
 designation, whether by merger, consolidation, or otherwise, so as to materially and adversely affect the special powers, preferences, privileges, or rights of the Series D Preferred Stock, taken as a whole; or |

| • |     | consummate a binding share exchange or reclassification involving the Series D Preferred Stock, or complete the                                                                                                                                    
 sale, conveyance, exchange, or transfer of all or substantially all of our assets or business or consolidate with or merge into any other corporation, unless, in each case, the shares of the Series D Preferred Stock (i) remain outstanding or  
 (ii) are converted into or exchanged for preference securities of the surviving entity or any entity controlling such surviving entity and such new preference securities have powers, preferences, privileges, and rights that are not materially 
 less favorable to the holders thereof than the powers, preferences, privileges, and rights of the Series D Preferred Stock, taken as a whole.                                                                                                      |

When determining the application of the voting rights described in this section, the authorization, creation, and issuance, or an increase in the authorized or issued amount, of junior stock or any class or series of capital stock that by its terms expressly provides that it ranks on parity with the Series D Preferred Stock with respect to the payment of dividends (whether such dividends are cumulative or non-cumulative)and as to distributions upon our liquidation, dissolution, or winding-up,or any securities convertible into or exchangeable or exercisable for junior stock or any class or series of capital stock, will not be deemed to materially and adversely affect the special powers, preferences, privileges, or rights, and will not require the affirmative vote or consent of, the holders of any outstanding shares of Series D Preferred Stock. The foregoing voting provisions will not apply if, at or prior to the time when the act with respect to which such vote would otherwise be required will be effected, all outstanding shares of Series D Preferred Stock will have been redeemed or called for redemption upon proper notice and sufficient funds will have been set aside by us for the benefit of the holders of the Series D Preferred Stock to effect such redemption. Depositary Broadridge Corporate Issuer Solutions, LLC will be the depositary for the depositary shares. Transfer Agent, Registrar, and Paying Agent Broadridge Corporate Issuer Solutions, LLC will act as the transfer agent, registrar and paying agent for the Series D Preferred Stock. Calculation