Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 10

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 10
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, a “senior notes interest payment date”). |

| Business Day Convention |

| If any scheduled senior notes fixed rate interest payment date is not a Business Day (as defined herein), payment of principal and interest will be postponed to the next day that is a Business Day, but interest on that 
 payment will not accrue during the period from and after the originally scheduled senior notes fixed rate interest payment date.                                                                                           |

| If any scheduled senior notes floating rate interest payment date (other than the senior notes maturity date) falls on a day that is not a Business Day, then such senior notes floating rate interest payment date will be                           
 postponed to the next succeeding Business Day unless such day falls in the next succeeding calendar month, in which case such senior notes floating rate interest payment date will be accelerated to the immediately preceding Business Day, and, in 
 each such case, the amounts payable on such Business Day will include interest accrued to (but excluding) such Business Day.                                                                                                                          |

| If the senior notes maturity date or date of redemption of the senior notes is not a Business Day, we will pay interest and principal on the next succeeding Business Day, but interest on that payment will not accrue 
 during the period from and after the senior notes maturity date or date of redemption.                                                                                                                                  |

| Record Date | The fifteenth calendar day (whether or not a Business Day) preceding the related senior notes interest payment date. |

| Day Count Convention | Fixed rate period: 360-day year consisting of twelve 30-day months. |

| Floating rate period: 360-day year and the actual number of days elapsed. The amount of interest accrued on the senior notes for each floating rate interest period will be                                                         
 computed by multiplying (i) the outstanding principal amount of the senior notes by (ii) the product of (a) the interest rate for that interest period multiplied by (b) the quotient of the actual number of calendar days in that 
 interest period divided by 360.                                                                                                                                                                                                     |

| Indenture | The senior notes offered by this prospectus supplement will be issued by BancShares under a senior indenture between us and U.S. Bank Trust Company, 
 National Association, as trustee (the “Trustee”), to                                                                                                 |

S-3

| be dated as of March  , 2025 (the “Senior Base Indenture”), as supplemented by a first supplemental indenture between us and the Trustee, to be dated as of March   , 2025 
 (the “