First Citizens Bank

Medical Coverage

• PPO and HMO-type plans available based on location
• Associates may elect coverage for dependents
• Associate premiums can be paid pre-tax
• Coverage begins on the first of the month following one full month of employment

Dental Coverage

• Associate premiums can be paid pre-tax
• Coverage begins on the first of the month following one full month of employment

Vision Plan Benefits: Stand-alone vision plan

• Coverage for eye exams, glasses or contact lenses
• Discounts for laser surgery

Short-Term Disability Benefits

• Coverage provided by the bank
• Up to twelve-week benefit duration after a seven calendar day elimination period
• Pays 100 percent of salary for the first four weeks and 60 percent for the remaining eight weeks

Long-Term Disability Benefits

• Bank-paid Base benefit equal to 40% of monthly earnings
• Voluntary Associate Buy-up of additional 26.7%, for a total benefit equal to 66.7%
• Guaranteed approval for both base and buy-up (subject to plan's pre-existing clause)
• Benefits begin after 90 consecutive days of disability (coordinates with STD)

Long-Term Care Insurance

• Coverage available to associates and family members
• Plan covers costs of nursing homes, assisted living facilities and home health care services
• Choose from multiple plan designs
• Premiums based on group rates
• Coverage is portable

401K Plan

• Daily valuation plan
• Associates may contribute up to 100 percent of pay not to exceed IRS maximum
• Eligible to participate the first of the month following one full month of employment
• "Catch-up" contributions are allowed
• Bank matches first six percent of associate contributions at 100 percent (after one year of service)
• Bank automatically contributes three percent of your annual compensation at year end (after one year of service)
• Associate may choose from 17 investment fund options, or a combination of options
• Qualified rollovers available
• Loans available

Basic Life Insurance

• One-time annual salary provided by the bank
• Coverage is portable

Basic Accidental Death and Dismemberment (AD&D)

• One-time annual salary provided by the bank

Dependent Life Insurance

• Spouse coverage available up to 50 percent of associate coverage
• Dependent children coverage available up to $10,000 for each child

Supplemental Life Insurance

• Additional life insurance available to associates for up to four times annual base salary

Supplemental Accident Death and Dismemberment (AD&D) Insurance

• Additional AD&D insurance available up to $250,000 for associates and dependents

Travel Accident Insurance

• Coverage provided by the bank
• Coverage for an additional $200,000 when traveling on bank business

Health Care Flexible Spending Account

• Option to contribute on a pre-tax basis
• Weekly reimbursement of eligible health care expenses paid to associates from the account

Dependent Care Flexible Spending Account

• Option to contribute on a pre-tax basis
• Monthly reimbursement of eligible dependent day care expenses paid to associates from the account

Paid Time Off and Holidays

• Paid Time Off based on length of service and job classification
• Holidays based on the Federal Reserve schedule

Employee Assistance Program

• Confidential counseling assistance and information resources for associates and their families
• Assistance with issues relating to childcare, eldercare, legal matters, financial topics, etc.

Checking and Savings Accounts

• Service charges waived on two employee Checking With Interest Accounts
• Free personalized checks for both accounts
• Service charges waived on one regular savings account

Checkline Reserve

• Protects accounts from overdrafts

Associate Credit

• Associates may apply for one of the following with no annual fee: Visa or Visa GOLD
• Consumer loans available at preferred interest rates
• Associates must meet normal credit qualification guidelines
• Mortgage loans and home equity loans may be available at a discount

Safe Deposit Box

• Safe deposit boxes (standard 3" x 5") available free of charge
• Larger boxes available at a discount

Traveler's Checks and Money Orders

• Traveler's checks free at all branches
• Two free money orders per month

Trust Services

• Services available at reduced fees