Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 41

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 41
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 paying agent, or trustee as registered
holders of the securities entitled to the benefits of the Subordinated Indenture. Beneficial owners that are not participants will be permitted to exercise their rights only indirectly through and according to the procedures of participants and, if
applicable, indirect participants.

To facilitate subsequent transfers, all securities deposited by direct participants with DTC are
registered in the name of DTC’s partnership nominee, Cede & Co., or such other name as may be requested by an authorized representative of DTC. The deposit of securities with DTC and their registration in the name of Cede &
Co. or such other DTC nominee do not effect any change in beneficial ownership. DTC has no knowledge of the actual beneficial owners of the securities; DTC’s records reflect only the identity of the direct participants to whose

accounts the securities are credited, which may or may not be the beneficial owners. The direct and indirect participants will remain responsible for keeping
account of their holdings on behalf of their customers.

Conveyance of redemption notices and other communications by DTC to direct
participants, by direct participants to indirect participants, and by direct and indirect participants to beneficial owners will be governed by arrangements among them, subject to any statutory or regulatory requirements as may be in effect from
time to time. If less than all of the securities of any class are being redeemed, then DTC will determine the amount of the interest of each direct participant to be redeemed in accordance with its then current procedures.

Neither DTC nor Cede & Co. (nor any other DTC nominee) will consent or vote with respect to any securities unless authorized by a
direct participant in accordance with DTC’s procedures. Under its usual procedures, DTC mails an omnibus proxy to the issuer as soon as possible after the record date. The omnibus proxy assigns Cede & Co.’s consenting or voting
rights to those direct participants to whose accounts securities are credited on the record date (identified in a listing attached to the omnibus proxy).

DTC may discontinue providing its services as securities Depositary with respect to the Notes at any time by giving reasonable notice to the
issuer or its agent. Under these circumstances, in the event that a successor securities Depositary is not obtained, certificates for the Notes are required to be printed and delivered. We may decide to discontinue the use of the system of
book-entry-only transfers through DTC (or a successor securities Depositary). In that event, certificates for the Notes will be printed and