Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 78

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 78
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 or selling the depositary shares or otherwise making them available to retail investors in the UK, has been prepared and therefore offering or selling the depositary shares or otherwise making them available to any retail investor in the UK may be unlawful under the UK PRIIPs Regulation. Each underwriter has represented and agreed that it has not made and will not make an offer of depositary shares that are the subject of the offering contemplated by this prospectus supplement to the public in the UK, except that it may make an offer of such depositary shares to the public in the UK to any legal entity which is a qualified investor as defined in the UK Prospectus Regulation, provided that no such offer of depositary shares will require BancShares or any underwriters to publish a prospectus pursuant to Section 85 of the FSMA or Article 3 of the UK Prospectus Regulation or supplement a prospectus pursuant to Article 23 of the Prospectus Regulation. Each person in the UK who receives any communication in respect of, or who acquires any depositary shares under, the offers to the public contemplated in this prospectus supplement, or to whom the depositary shares are otherwise made available, will be deemed to have represented, warranted, acknowledged and agreed to and with each underwriter and BancShares that it and any person on whose behalf it acquires depositary shares is:

| (a) | a qualified investor within the meaning of Article 2(e) of the UK Prospectus Regulation; and |

| (b) | in the case of any depositary shares acquired by it as a financial intermediary, as that term is used in                                                                                                                        
 Article 5(1) of the UK Prospectus Regulation, (i) the depositary shares acquired by it in the offer have not been acquired on behalf of, nor have they been acquired with a view to their offer or resale to, persons in the UK |

S-49

| other than qualified investors, as that term is defined in the UK Prospectus Regulation, or in circumstances in which the prior consent of the underwriters has been given to the offer or resale;                                                   
 or (ii) where depositary shares have been acquired by it on behalf of persons in the UK other than qualified investors, the offer of those depositary shares to it is not treated under the FSMA or the UK Prospectus Regulation as having been made 
 to such persons.                                                                                                                                                                                                                                     |

In this section, the expression “offer of depositary shares” to the public in relation to any depositary shares in the