First Citizens Bancorporation, Inc. (Bancorporation) is a two-bank financial holding company whose principal subsidiaries are First Citizens Bank and Trust Company, Inc. (First Citizens) and The Exchange Bank of South Carolina, Inc. (Exchange) (collectively Banks). First Citizens offers an array of commercial and retail banking services through its 171 offices in 107 communities in South Carolina and 21 offices in 17 communities in Georgia. It provides a range of financial services, including deposit acceptance, corporate cash management, discount brokerage, individual retirement account (IRA) plans, trust services and secured and unsecured loans. Trust services provide estate planning, estate and trust administration, IRA trust and personal investment, and pension and profit sharing administration. The Bank also originates and services mortgage loans and provides financing for small businesses.