EQUAL CREDIT OPPORTUNITY ACT NOTICE

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington DC 20006.

If your Application is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Credit Department c/o First-Citizens Bank & Trust Company, P.O. Box 550599, Jacksonville, FL 32255, telephone number (904) 380-9283 within 60 days from the date we notify you of our decision. We will send you a written statement of the reasons for the denial within 30 days of receiving your request for the statement.

USA PATRIOT Act Notice

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity opening an account or establishing a credit relationship with the financial institution, and key individuals who own or control a legal entity (i.e., the beneficial owners). Requiring these disclosures helps law enforcement investigate and prosecute these crimes. This requirement applies to First-Citizens Bank & Trust Company.

What this means for you: If you are an individual, when you open an account or apply for credit, we will ask for your name, address, date of birth, social security number ( SSN is used for identification purposes only, unless authorizing personal credit review for a guaranty ), and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents. If you are a business or entity, we will ask for information about your entity, including its tax identification number, address, and documents evidencing legal incorporation, formation or existence. We may also request information about your owners, directors and executive officers, and guarantors.