Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 70

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 70
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, or other similar instruments; |

| • |     | all obligations in respect of letters of credit, security purchase facilities, or bankers acceptances or similar 
 instruments (or reimbursement obligations with respect thereto);                                                 |

| • |     | all obligations to pay the deferred purchase price of property or services, except trade accounts payable arising 
 in the ordinary course of business;                                                                               |

| • |     | indebtedness secured by any mortgage, pledge, lien, charge, encumbrance, or any security interest existing on 
 property owned by BancShares;                                                                                 |

| • |     | obligations associated with derivative products including, but not limited to, interest rate and currency future                                                                                                                                          
 or exchange contracts, foreign exchange contracts, swap agreements (including interest rate and foreign exchange rate swap agreements), cap agreements, floor agreements, collar agreements, options, interest rate future or option contracts, commodity 
 contracts, and similar arrangements;                                                                                                                                                                                                                      |

| • |     | purchase money debt and similar obligations; |

| • |     | obligations to general creditors of BancShares; |

S-43

| • |     | a deferred obligation of, or any such obligation, directly or indirectly guaranteed by, BancShares which                                                                      
 obligation is incurred 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.                                                                                              |

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 subordinated notes, or ranks pari passu with the subordinated 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 subordinated notes