0001193125-25-052974 Sample Contracts

FIRST CITIZENS BANCSHARES, INC. Issuer And U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION Trustee INDENTURE Dated as of March 12, 2025 SENIOR DEBT SECURITIES
Indenture • March 12th, 2025 • First Citizens Bancshares Inc /De/ • State commercial banks

INDENTURE dated as of March 12, 2025, between FIRST CITIZENS BANCSHARES, INC., a Delaware corporation (the “Company”), having its principal office at 4300 Six Forks Road, Raleigh, North Carolina 27609, and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America, in its capacity as trustee hereunder (the “Trustee”), having a corporate trust office at 214 North Tryon Street, 27th Floor, Charlotte, NC 28202.

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FIRST CITIZENS BANCSHARES, INC. Issuer And Trustee SECOND SUPPLEMENTAL INDENTURE Dated as of March 12, 2025 to the Indenture Dated as of March 4, 2020 Subordinated Notes due 2040
Second Supplemental Indenture • March 12th, 2025 • First Citizens Bancshares Inc /De/ • State commercial banks • New York

SECOND SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of March 12, 2025, between FIRST CITIZENS BANCSHARES, INC., a Delaware corporation (the “Company”), and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America, as trustee (“Trustee”).

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FIRST CITIZENS BANCSHARES, INC. Issuer And Trustee FIRST SUPPLEMENTAL INDENTURE Dated as of March 12, 2025 to the Indenture Dated as of March 12, 2025 Senior Notes due 2031
First Supplemental Indenture • March 12th, 2025 • First Citizens Bancshares Inc /De/ • State commercial banks • New York

FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of March 12, 2025, between FIRST CITIZENS BANCSHARES, INC., a Delaware corporation (the “Company”), and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America, as trustee (“Trustee”).

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