Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 26

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 26
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 the existing subordinated notes, $400 million of subordinated notes issued or assumed by First Citizens Bank, $51 million of senior unsecured notes issued or assumed by First Citizens Bank, $36.53 billion of other borrowings, including the $35.99 billion Purchase Money Note, and $9.20 billion of other liabilities. Except for the approximately $750 million of the existing subordinated notes (which ranks equally in right of payment and upon our liquidation to the Notes), all of these liabilities are contractually, effectively, or structurally senior to the Notes. “Senior Indebtedness” means, without duplication, the principal, premium, if any, unpaid interest (including interest accruing on or after the filing of any petition in bankruptcy or for reorganization relating to BancShares, whether or not a claim for post-filing interest is allowed in such proceeding), fees, charges, expenses, reimbursement, and indemnification obligations, and all other amounts payable under or in respect of the following indebtedness of BancShares, whether any such indebtedness exists as of the date of the Subordinated Indenture or is created, incurred or assumed after such date:

| • |     | all obligations for borrowed money; |

| • |     | all obligations evidenced by debentures, notes, debt securities, 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; |

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