Social Media Terms of Use

The Terms and Conditions for Engaging with First Citizens Bank on Social Media

July 2026

These Terms of Use ("Terms") serve as an agreement between you and First Citizens Bank & Trust Company, and its parent, subsidiaries and affiliates, as those terms are defined in Section 23A of the Federal Reserve Act, ("First Citizens Bank", "we", "us" or "our") for interacting with First Citizens Bank through its pages on selected social media networking websites (each, a "Website" and collectively, the "Websites") on which we post these Terms. By using any of the Websites you agree to these Terms and our Privacy Statement.

When interacting with First Citizens Bank on any Website, we expect you to act in a courteous and respectful manner toward us and other users. We are available to answer your questions Monday through Friday from 9 am to 5 pm ET. First Citizens Bank requires that you adhere to the following standards when engaging with us through any of our Websites:

  • Help us in maintaining the privacy of your confidential information. Please do not publicly post any of your specific account details or other personal information, including contact information or personal identification items. We may ask you to provide, via a private message on our social media page, your name and telephone number for our customer service team to contact you for assistance. You may decline to provide your contact information and instead call 888-323-4732 or visit us in a branch for service-related questions or concerns. Please note: We will never ask you to provide your account information (e.g., account number, credit/debit card number, PIN code, etc.), User-ID, password, responses to security questions, or any other sensitive categories of information (e.g., social security number or driver's license number) and/or ask you to confirm any such information through social media Websites.
  • Only post comments that reflect the original topic of our social media post or the purpose of the social media page. Comments centered on selling a product or service or posted to drive traffic to a particular website for personal, political, or monetary gain will be removed at the discretion of First Citizens Bank.
  • If you post comments or publish any content on our social media page, you hereby represent and warrant to us that you either own all right, title and interest in and to such Content, or you possess sufficient rights, approvals, licenses, consents and permissions as are necessary to post such comments or publish such Content to the social media Website.
  • Be respectful within the social media community. Abusive, harmful, offensive, discriminatory or unlawful posts or comments, and profanity will be removed at the discretion of First Citizens Bank. Such disallowed posts and comments include, without limitation, content that relates to or references: (A) firearms, explosives, or weapons, or instructions on how to assemble or otherwise make any of the same; (B) content that may be unsuitable for or harmful to children under the age of thirteen (13); (C) pornography, sexually explicit adult entertainment, prostitution or escort services or products; (D) controlled substances or pharmaceuticals; (E) fraudulent, counterfeit or stolen products or services or pirated computer programs; (F) registered or unregistered securities; (G) illegal or unlawful content, products or services; (H) promotion(s) of hate and bigotry, act(s) of violence or terrorism, or commission(s) of crimes or illegal activities; (I) products or services from a U.S. embargoed or blacklisted country, individual or entity; (J) content which reasonably could be deemed to be libelous, defamatory, scandalous, threatening or harassing; (K) content which violates or misappropriates any third party intellectual property, moral, privacy or other right; (L) other content that First Citizens Bank reasonably believes might damage our brand or reputation; and/or (M) content which could cause First Citizens Bank to violate any law or regulation.
  • You understand and acknowledge that you are responsible for any comments, posts or content that you submit or contribute to the Website and you, not First Citizens Bank, have full responsibility for such comment, post or content, including its legality, reliability, accuracy, and appropriateness. We are not responsible for or liable to any third party for any comment, post or content or the accuracy of any comments, posts or content posted by you or any other user of the Website.
  • Comments on threatened or actual litigation are prohibited. Please do not comment on threatened or actual litigation, or disputes, between you and any other person or entity. If you have concerns about an issue, please email us at Social@FirstCitizens.com.

Any and all activities which are harmful to, inconsistent with, or disruptive of the Websites and the beneficial use and enjoyment of the Websites by us and our other users are prohibited. Accordingly, you hereby agree not to: (A) send spam or otherwise duplicative or unsolicited messages in violation of applicable laws; (B) perform or facilitate any act which, directly or indirectly, causes to be transmitted to, uploaded by or downloaded by, any other user any "junk mail", "spam", "chain letters", "pyramid schemes", or any other like form of solicitation; (C) perform or facilitate any act which, directly or indirectly, causes to be transmitted to, uploaded or downloaded by, the Website or any other user any software viruses, worms, Trojan horses, time bombs, trap doors or any other computer code, files or programs or repetitive requests for information designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (D) perform or facilitate any act which interferes with or disrupts the Websites or servers or networks connected to the Websites; (E) contact any other user or any individual who has asked not to be contacted; (F) harass, stalk or otherwise disturb any individual participating on the Websites; and/or (G) impersonate any person or entity or falsely state or misrepresent your affiliation with another person or entity, including, without limitation, First Citizens Bank. Facebook, Instagram, X, YouTube and other websites are owned by third parties unaffiliated with First Citizens Bank. First Citizens Bank is not responsible for the privacy or security policies at these sites or other third-party sites that may be linked to from within them and does not assume liability for any personal damage incurred by the use of said sites. We encourage you to carefully review the privacy policies and terms of use of such third-party sites before engaging with them. First Citizens Bank does not endorse and is not responsible for any ads, content, products, advice, opinions, recommendations or other material of third-party sites that may be promoted through advertising within Social Media properties. Any relationship, exchange of data or other interaction between you and a third party, and/or any purchase, download or use by you of any of the third party links or advertisements (each, a “Third Party Interaction”), is solely between you and such third party, and you hereby release and hold First Citizens Bank harmless from, and will look to such third party with regard to, any claims relating to or arising out of a Third Party Interaction. First Citizens Bank is not a party to, has no involvement or interest in, makes no representation, warranty or guaranty with respect to, and has no obligation in connection with, any communication, transaction, interaction, dispute or any relation whatsoever between you and any third party through any Website; including, but not limited to, interactions related to payment and delivery of items and services, and any other terms, conditions, warranties or representations associated with such Third Party Interactions. If you believe in good faith that First Citizens Bank social content infringes your copyright, you (or your agent) may send First Citizens Bank a notice requesting us to remove the material or block access to it. Details on notices and counter-notices are available by reporting ethical concerns to us or on the Copyright Office site at .

First Citizens Bank reserves the right to change these guidelines at any time at its sole discretion.

Any post, comment or content that you publish to the site will be considered non-confidential and non-proprietary. By submitting any comments for posting to this Website, you also give us the right to edit your comments, to store them for archival purposes, and to republish them without compensation to you or any other person.

We reserve the right to take appropriate legal action, including without limitation, referral to law enforcement with respect to any illegal activities on any Website or discussed or posted about on any Website.

If you have a question about this Website, please email us at Social@FirstCitizens.com. If you believe that someone is abusing this Website or violating these Terms, please contact us at Social@FirstCitizens.com.

Forward-Looking Statements

This communication contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans and future performance of First Citizens and CIT. Words such as "anticipates, " "believes," "estimates," "expects," "forecasts," "intends," "plans, " "projects," "targets," "designed," "could," "may," "should," "will" or other similar words and expressions are intended to identify these forward-looking statements. These forward-looking statements are based on First Citizens' and CIT's current expectations and assumptions regarding First Citizens' and CIT's businesses, the economy, and other future conditions.

Because forward-looking statements relate to future results and occurrences, they are subject to inherent risks, uncertainties, changes in circumstances and other factors that are difficult to predict. Many possible events or factors could affect First Citizens' and/or CIT's future financial results and performance and could cause the actual results, performance or achievements of First Citizens and/or CIT to differ materially from any anticipated results expressed or implied by such forward-looking statements. Such risks and uncertainties include, among others, (1) the risk that the cost savings, any revenue synergies and other anticipated benefits of the proposed merger may not be realized or may take longer than anticipated to be realized, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the condition of the economy and competitive factors in areas where First Citizens and CIT do business, (2) disruption to the parties' businesses as a result of the announcement and pendency of the proposed merger and diversion of management's attention from ongoing business operations and opportunities, (3) the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the definitive merger agreement between First Citizens and CIT, (4) the risk that the integration of First Citizens' and CIT's operations will be materially delayed or will be more costly or difficult than expected or that First Citizens and CIT are otherwise unable to successfully integrate their businesses, (5) the outcome of any legal proceedings that may be or have been instituted against First Citizens and/or CIT, (6) the failure to obtain required governmental approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the proposed transaction), (7) reputational risk and potential adverse reactions of First Citizens' and/or CIT's customers, suppliers, employees or other business partners, including those resulting from the announcement or completion of the proposed merger, (8) the failure of any of the closing conditions in the definitive merger agreement to be satisfied on a timely basis or at all, (9) delays in closing the proposed merger, (10) the possibility that the proposed merger may be more expensive to complete than anticipated, including as a result of unexpected factors or events, (11) the dilution caused by First Citizens' issuance of additional shares of its capital stock in connection with the proposed merger, (12) general competitive, economic, political and market conditions, (13) other factors that may affect future results of CIT and/or First Citizens including changes in asset quality and credit risk, the inability to sustain revenue and earnings growth, changes in interest rates and capital markets, inflation, customer borrowing, repayment, investment and deposit practices, the impact, extent and timing of technological changes, capital management activities, and other actions of the Federal Reserve Board and legislative and regulatory actions and reforms, and (14) the impact of the global COVID-19 pandemic on First Citizens' and/or CIT's businesses, the ability to complete the proposed merger and/or any of the other foregoing risks.

Except to the extent required by applicable law or regulation, each of First Citizens and CIT disclaims any obligation to update such factors or to publicly announce the results of any revisions to any of the forward-looking statements included herein to reflect future events or developments. Further information regarding First Citizens, CIT and factors which could affect the forward-looking statements contained herein can be found in First Citizens' Annual Report on Form 10-K for the fiscal year ended December 31, 2019, its Quarterly Reports on Form 10-Q for the periods ended March 31, 2020, June 30, 2020 and September 30, 2020, and its other filings with the Securities and Exchange Commission (the "SEC"), and in CIT's Annual Report on Form 10-K for the fiscal year ended December 31, 2019, its Quarterly Reports on Form 10-Q for the periods ended March 31, 2020, June 30, 2020 and September 30, 2020, and its other filings with the SEC.

Important Information about the Merger and Where to Find It

In connection with the proposed merger between First Citizens and CIT, First Citizens filed with the SEC a registration statement on Form S-4 (File No. 333-250131), as amended on December 21, 2020, to register the shares of First Citizens' capital stock that will be issued to CIT's stockholders in connection with the proposed transaction. The registration statement includes a joint proxy statement of First Citizens and CIT that also constitutes a prospectus of First Citizens. The registration statement was declared effective by the SEC on December 23, 2020, and the definitive joint proxy statement/prospectus was mailed to CIT's and First Citizens' stockholders of record as of the close of business on or about December 30, 2020. First Citizens and CIT held their respective special meeting of stockholders on February 9, 2021.

INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4 AND THE JOINT PROXY STATEMENT/PROSPECTUS INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 (AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED TRANSACTION OR INCORPORATED BY REFERENCE INTO THE JOINT PROXY STATEMENT/PROSPECTUS) BECAUSE SUCH DOCUMENTS CONTAIN IMPORTANT INFORMATION REGARDING FIRST CITIZENS, CIT, THE PROPOSED MERGER AND RELATED MATTERS.

Investors and security holders may obtain free copies of these documents and other documents filed with the SEC by First Citizens or CIT through the website maintained by the SEC at or from First Citizens at its website, www.firstcitizens.com, or from CIT at its website, . Documents filed with the SEC by First Citizens will be available free of charge by accessing the "Investor Relations" page of First Citizens' website at www.firstcitizens.com or, alternatively, by directing a request by telephone or mail to First Citizens BancShares, Inc., Mail Code: FCC-22, PO Box 27131, Raleigh, North Carolina 27611-7131, 919-716-7000, and documents filed with the SEC by CIT will be available free of charge by accessing CIT's website at under the tab "About Us," and then under the heading "Investor Relations" or, alternatively, by directing a request by telephone or mail to CIT Group Inc., One CIT Drive, Livingston, New Jersey 07039, 866-542-4847.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third-party website.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

First Citizens Bank is a Member FDIC.