Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 74

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 74
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 all purposes, absent manifest error. Neither the Trustee nor the calculation agent shall be responsible for or have any responsibility to determine or make any calculations in connection with any redemption. Notice of any redemption will be mailed or electronically delivered (or otherwise transmitted in accordance with DTC’s procedures) to each holder of subordinated notes to be redeemed (with a copy to the Trustee) at least 5 days but not more than 60 days before the redemption date. Unless we default in payment of the redemption price, on and after the redemption date interest will cease to accrue on the subordinated notes or portions thereof called for redemption. In the case of a partial redemption, selection of the subordinated notes for redemption will be made pro rata, by lot or by such other method as the trustee in its sole discretion deems appropriate and fair; provided that, for so long as the subordinated notes are held by DTC (or another depositary), any redemption of the subordinated notes shall be effected in accordance with the policies and procedures of the depositary. The subordinated notes may not otherwise be redeemed prior to the subordinated notes maturity date. Events of Default; Notices of Default If any of the following occurs and is continuing, the principal and interest in respect of the subordinated notes will automatically, and without any declaration or other action on the part of the Trustee or any holder, become immediately due and payable:

| • |     | pursuant to or within the meaning of any bankruptcy law, we (i) commence a voluntary case, (ii) consent                                                                                                                                
 to the entry of an order for relief against us in an involuntary case, (iii) consent to the appointment of a custodian of us or for all or substantially all of our property, or (iv) make a general assignment for the benefit of our 
 creditors;                                                                                                                                                                                                                             |

| • |     | a court of competent jurisdiction enters an order or decree under any bankruptcy law that (i) is for relief                                                                                                                                   
 against us in an involuntary case, (ii) appoints a custodian for us or for all or substantially all of our property, or (iii) orders our liquidation, and in any such case the order or decree remains unstayed and in effect for 60 days; or |

| • |     | we are placed into receivership in a proceeding under the “orderly liquidation authority” provisions of 
 the Dodd-Frank Wall Street Reform and Consumer Protection Act.                                          |

The subordinated notes and Subordinated Indent