International Disclosures
First-Citizens Bank & Trust Company, as well as its divisions, subsidiaries, and affiliates (together, First Citizens), are US financial institutions and provide products and services to non-US clients on a cross-border basis from the United States of America.
First Citizens is not licensed or regulated as a bank or any other type of financial institution outside of the United States of America. First Citizens does not offer, make available and/or provide any products or services, nor does it carry on business of any sort, in or from within any country outside of the United States of America. Rather, First Citizens conducts such activities with non-US clients on a cross-border basis from the United States of America. This communication does not constitute an invitation to effect any transaction with, or to make use of any products or services provided by, First Citizens.
First Citizens products and services may not be available to all customers. The laws and regulations of your country or countries of organization, operation, and/or residence could impact the offer, availability, and/or provision of First Citizens products or services.
General Marketing Disclosures
British Virgin Islands
First Citizens is not intending, and is not licensed or registered, to conduct business in, from or within the British Virgin Islands. This content is not intended for use by persons in the British Virgin Islands.
Canada
First Citizens is not licensed or regulated as a bank or any other type of financial institution in Canada. Except for CIT Rail, First Citizens does not offer, make available and/or provide any products or services, nor does it carry on business of any sort, in or from within Canada.
Cayman Islands
First Citizens is not licensed or regulated as a bank or any other type of financial institution in the Cayman Islands. First Citizens does not offer, make available and/or provide any products or services, nor does it carry on business of any sort, in or from within the Cayman Islands.
Israel
First Citizens is not licensed or regulated as a bank or any other type of financial institution in Israel. First Citizens does not offer, make available and/or provide any products or services, nor does it carry on business of any sort, in or from within Israel.
Mexico
First Citizens is not licensed or regulated as a bank or any other type of financial institution in Mexico. Except for CIT Rail, First Citizens does not offer, make available and/or provide any products or services, nor does it carry on business of any sort, in or from within Mexico.
United Kingdom
This content does not constitute an invitation or inducement to engage in investment activity under section 21 of the UK Financial Services and Markets Act 2000. In particular, it does not constitute an invitation to affect any transaction with, or to make use of any services provided by, First-Citizens Bank & Trust Company or any of its affiliates.
This content is directed only at persons outside of the United Kingdom (UK) or those inside the UK to whom it may lawfully be directed (as set out within the Financial Services and Markets Act 2000 (Financial Promotions) Order 2001 (the FPO)). This content must not be acted upon by persons in the UK, except those to whom this may lawfully be directed in accordance with the FPO.
Product-Specific Marketing Disclosures
Deposit Products
Products include deposit accounts and other products or services related thereto.
United Kingdom
The deposit-taker is First-Citizens Bank & Trust Company (First Citizens Bank), which is chartered by and has its principal place of business in the state of North Carolina, United States of America. First Citizens Bank is regulated by the North Carolina Commission of Banks and is a member of the US Federal Deposit Insurance Corporation (FDIC). Deposits with First Citizens Bank are FDIC-insured up to US$250,000 per depositor for each account ownership category. First Citizens Bank's total stockholders' equity was US$22.2 billion as of December 31, 2025.
Investment Products
Products include (but are not limited to) any product involving a security, derivatives, and investment advice and/or asset management.
Canada
SVB Asset Management (SAM) is not registered in any Canadian province. SAM's head office is located in San Francisco, California, United States of America and all of its assets are located outside of Canada. Accordingly, you may have difficulty in enforcing your legal rights against SAM.
SAM's agents for service are as follows:
Alberta
Blake, Cassels & Graydon LLP
ATTN: Don McLeod, Partner
855-2nd Street S.W.
Suite 3500, Bankers Hall East Tower
Calgary, AB, CA T29 4J8
British Columbia
Blakes Vancouver Services, Inc.
ATTN: Jeffrey Merrick
1133 Melville Street
Suite 3500, The Stack
Vancouver, BC, CA V6E 4E5
Ontario
Blakes Extra-Provincial Services, Inc.
ATTN: Tim Phillips
Commerce Court West
Suite 4000, 199 Bay Street
Toronto, ON, CA M5L 1A9
United Kingdom
This communication is directed at "high net worth companies (etc.)" in accordance with Article 49 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001/544 and that any investment or investment activity to which it relates is available only to such persons or will be engaged in only with such persons, and persons who are not "high net worth companies (etc.)" within the meaning of that provision should not rely on this communication.
