First Citizens Rewards^® Visa^® Card with No Annual Fee

Earning Points

At the Base Rewards Tier, you will earn 1 point for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases.

At the Base Rewards Tier, cardholders may earn up to 10,000 points per calendar month. Points earned are available for redemption for a 3 year term. After the three year term, points expire and can no longer be redeemed. Points expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Points

Each point is worth $.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. All rewards redemptions can be made through the First Citizens Rewards Center by telephone or via the Program website. Some limitations apply.

You may redeem points back into other First Citizens banking products:

• Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
• Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed via the Program website, however a statement credit back to your First Citizens Card can also be redeemed via the First Citizens Rewards Call Center. The redemptions will post within 2-8 business days. No First Citizens Card or Mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

Redemptions are also available for retail gift cards and certificates, donations and merchandise.

You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at firstctizensrewards.com at log in.

Program Rules are subject to change or cancellation without notice.

2,500 New Enrollment Bonus

The new enrollment bonus offer is available at account opening to new cardholders in the Accelerated Rewards Tier of the First Citizens Rewards® credit card or existing cardholders who upgrade to the Accelerated Rewards Tier. Not valid with any other promotional offers.

Earning Points

At the Accelerated Rewards Tier, you will earn 1.5 points for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases. There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Redeeming Points

Each point is worth $.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. Some limitations may apply.

You may redeem points back into other First Citizens banking products:

• Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
• Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed via the Program website, however a statement credit back to your First Citizens Card can also be redeemed via the First Citizens Rewards Call Center. The redemptions will post within 2-8 business days. No First Citizens Card or Mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

Cardholders in the Accelerated Rewards Tier may redeem 50,000 points for one continental flight when the flight is booked at least 21 days in advance and includes a Saturday night stay. This reward is only available for redemption on coach tickets priced below $1,000.00. Tickets priced above $1,000.00 are not eligible for this reward.

Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise.

You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at firstctizensrewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Earning Reward Dollars

With Cash Back Rewards, you will earn 1 reward dollar for each $100 net dollars you spend for net retail purchases (gross retail purchases less any returns or credits). Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point. Reward dollars will be deducted from the available rewards account balance for all returned purchases.

There is no monthly earnings cap. Reward dollars earned are available for redemption for 3 years. Reward dollars expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Reward Dollars

Each reward dollars is worth $1, which means that $100 reward dollars equals $100 in redemption value. Redemptions start as low as $25 rewards dollars.

You may redeem reward dollars back into other First Citizens banking products:

• Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
• Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed via the Program website, however a statement credit back to your First Citizens Card can also be redeemed via the First Citizens Rewards Call Center. The redemptions will post within 2-8 business days. No First Citizens Card or Mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

You may redeem rewards dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.

You may use reward dollars for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at firstctizensrewards.com at log in.

Program Rules are subject to change or cancellation without notice.