Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 34

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 34
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 a manner adverse to the 
 holders of the Notes; or                                                                                    |

| • |     | modify any of the provisions of the Subordinated Indenture relating to the execution of supplemental indentures                                                                                                                                 
 with the consent of holders of the Notes which are discussed herein or modify any provisions relating to the waiver by holders of the Notes of past defaults and covenants, except to increase any required percentage or to provide that other 
 provisions of the Subordinated Indenture cannot be modified or waived without the consent of the holder of each outstanding Note affected thereby.                                                                                              |

In addition, the holders of a majority in aggregate principal amount of the outstanding Notes may, on behalf of all holders of the Notes, waive compliance by us with terms, conditions, and provisions of the Subordinated Indenture, as well as any past default and the consequences of the default, other than any default in the payment of principal or interest or any breach in respect of a covenant or provision that cannot be modified or amended without the consent of the holder of each outstanding Note. In addition, we and the Trustee may modify and amend the Subordinated Indenture without the consent of any holders of Notes for any of the following purposes:

| • |     | to evidence the succession of another person to BancShares as obligor under the Subordinated Indenture; |

| • |     | to add to the covenants of BancShares or events of default for the benefit of the holders of the Notes or to                                                                                                                  
 surrender any right or power conferred upon BancShares in the Subordinated Indenture or to make any change that does not adversely affect any holder’s legal rights under the Subordinated Indenture in any material respect; |

| • |     | to add to, change, or eliminate any provisions of the Subordinated Indenture, if the addition, change, or                                                                                 
 elimination becomes effective only when there are no debt securities outstanding of any series issued under the Subordinated Indenture that are entitled to the benefit of the provision; |

| • |     | to establish the form or terms of the Notes; |

| • |     | to cure any ambiguity or omission or correct any defect or inconsistency in the Subordinated Indenture, or to                              
 conform the text of the Subordinated Indenture or the Notes to the description of the Notes in the prospectus supplement relating thereto; |

| • |     | to evidence the acceptance of appointment by a successor trustee; |

| • |     | to effect or