Summary Annual Report on Form 10-K

The Chairman's Letter to Shareholders, the 2008 Annual Report on Form 10-K and 2009 Proxy Statement are formatted in Adobe® Acrobat®. To view this document, you need the Adobe Acrobat Reader. If you do not have the Adobe Acrobat Reader installed, you can download it from Adobe's Web site.

• Chairman's Letter to Shareholders
• 2008 Annual Report on Form 10-K
• 2009 Proxy Statement

To obtain printed copies of these documents, write us at the address below.

First Citizens Bank
Corporate Communications
Mail Code: FCC-17
P.O. Box 27131
Raleigh, N.C., 27611-7131