Communication with the Board

First Citizens BancShares’ shareholders are encouraged to communicate with the Board of Directors, or with individual directors, regarding their concerns, complaints and other matters pertinent to BancShares’ business.  Shareholders should send their communications in writing as follows:

By mail:	First Citizens BancShares, Inc. Attention:  Corporate Secretary Post Office Box 27131 (Mail Code FCC22) Raleigh, N.C.  27611
By email:	Contact Us

Each communication should indicate whether it is intended for the Board as a whole, for the Chairman of a committee of the Board, or for one or more individual members of the Board.  Except as described below, all written communications from shareholders received as described above will be reviewed by the Secretary of the corporation and forwarded to the directors for whom they appear to be intended.  In his or her review of communications received, the Corporation’s Secretary may cull out communications that he or she considers in the exercise of his or her judgment to be “junk” mail, spam, solicitation materials, or communications not relevant to the business affairs of the First Citizens BancShares or its subsidiaries.  Communications that are directed to the Board or individual directors and that involve specific complaints from a customer of First-Citizens Bank & Trust Company ("First Citizens"), IronStone Bank ("IronStone") or one of their subsidiaries, relating to the customer's deposit, loan or other financial relationship or transactions will be forwarded to the head of the department or division of the Corporation, First Citizens or IronStone that is most closely associated with the subject of the customer's communication, with a copy of the communication to be sent to the Chairman of the Audit and Compliance Committee to be dealt with as he or she considers appropriate and, if the customer's communication indicates that it is intended for a particular director, then also to that director.