This is a conditional credit approval only – it is not a final credit approval. All programs, rates, approvals, issuance of purchase order, and funding are subject to validation of First-Citizens Bank & Trust Company underwriting criteria, satisfactory completion of all necessary due diligence (including "know-your-customer" due diligence), execution and delivery of appropriate legal documentation and final credit approval, and are subject to change at any time. Speed and performance are subject to applicant's local connectivity and other factors outside First-Citizens Bank & Trust Company's control.