Company: FCNCB
Filing Date: 2025-03-07
Form Type: 424B5
Source: 0001193125-25-049895
Chunk: 97

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-07
Form: 424B5
Chunk 97
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 to and accepted by them, subject to approval of legal matters by their counsel, including the validity of the notes, and other conditions contained in the underwriting agreement, such as the receipt by the underwriters of officer’s certificates and legal opinions. The underwriters reserve the right to withdraw, cancel or modify offers to the public and to reject orders in whole or in part. The underwriters expect to deliver the notes in book-entry form only through the facilities of DTC for the accounts of its participants, including Clearstream and Euroclear, as operator of the Euroclear System, against payment in New York, New York on or about March 12, 2025, which is the fourth business day following the date of the pricing of the notes (such settlement cycle being referred to as “T+4”). Under Rule 15c6-1promulgated under the Exchange Act, trades in the secondary market generally are required to settle in one business day unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade notes prior to the day before the settlement date will be required, by virtue of the fact that the notes initially will settle in T+4, to specify alternative settlement arrangements to prevent a failed settlement. Such purchasers should consult their own advisors. Underwriting Discounts The representatives have advised us that the underwriters propose initially to offer the senior notes to the public at the public offering price set forth on the cover page of this prospectus supplement and to certain dealers at such price less a concession not in excess of 0.225% of the principal amount of the senior notes. In addition, the underwriters may allow, and those selected dealers may re-allow,a concession of up to 0.125% of the principal amount of the senior notes, to certain other dealers. After the initial offering, the public offering price, concession or any other term of the offering may be changed. The representatives have advised us that the underwriters propose initially to offer the subordinated notes to the public at the public offering price set forth on the cover page of this prospectus supplement and to certain dealers at such price less a concession not in excess of 0.250% of the principal amount of the subordinated notes. S-62

In addition, the underwriters may allow, and those selected dealers may re-allow, a concession of up to 0.200% of the principal amount of the subordinated
notes, to certain other dealers. After the initial offering, the public offering price, concession or