Bank Merger Act Application: Public Notice Notice is hereby given that First-Citizens Bank & Trust Company ("FCB"), a North Carolina chartered bank and wholly-owned subsidiary of First Citizens BancShares, Inc., headquartered in Raleigh, North Carolina, has filed an Interagency Bank Merger Act Application ("Application") with the Federal Deposit Insurance Corporation ("FDIC") to acquire 138 branches, and purchase certain assets and assume certain liabilities associated with such branches, from BMO Bank National Association ("BMO Bank"), located in the states of North Dakota, South Dakota, Wyoming, Nebraska, Kansas, Missouri, Oklahoma, Idaho, Minnesota, Oregon, and Illinois ("Proposed Transaction"). It is contemplated that all of the branches to be acquired under the Proposed Transaction, as identified in the Application, will be operated as branches of FCB immediately after the closing of the Proposed Transaction. BMO Bank, headquartered in Chicago, Illinois, is a national bank and wholly owned subsidiary of BMO Financial Corp., headquartered in Chicago, Illinois, which is the intermediate holding company of Bank of Montreal. Bank of Montreal is a foreign financial holding company based in Toronto, Ontario, Canada. Any person wishing to comment on this Application may file his or her comments in writing with the Regional Director of the FDIC at its regional office located at 10 10th Street NE, Suite 800, Atlanta, GA 30309-3849 not later than January 7, 2026. The non-confidential portions of the Application are on file at the above regional office and are available for public inspection during regular business hours. Photocopies of the non-confidential portion of the Application file will be made available upon request. IPL0296186 Dec 7,21,Jan 4 2026