Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 76

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 76
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 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 EU 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 EU 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 any Relevant Member State 
 other than qualified investors, as that term is defined in the EU 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 any Relevant Member State other than qualified investors, the offer of those depositary shares to it is not treated under the EU 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 any Relevant Member State of the EEA means the communication in any form and by any means of sufficient information on the terms of the offer and the depositary shares to be offered so as to enable an investor to decide to purchase or subscribe for the depositary shares. United Kingdom This prospectus supplement has been prepared on the basis that any offer of depositary shares in the United Kingdom (“UK”) will be made pursuant to an exemption under the Financial Services and Markets Act 2000 (as S-48

amended, the “FSMA”) and the UK Prospectus Regulation from the requirement to publish a prospectus for offers of the depositary shares. Accordingly, any person making or intending to make an offer in the UK of depositary shares which are the subject of this prospectus supplement and the accompanying prospectus may only do so in circumstances in which no obligation arises for us or any of the underwriters to publish a prospectus pursuant to section 85 of the FSMA or supplement a prospectus pursuant to Article 23 of the UK Prospectus Regulation, in each case, in relation to such offer. Neither we nor the underwriters have authorized,