Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 231

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 231
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 such an industry-accepted successor rate, then the “five-yeartreasury rate” shall be such successor rate and, in that case, the Designee may then determine and adjust the business day convention, the definition of business day and the reset determination date to be used and 151

any other relevant methodology for determining or otherwise calculating such successor rate, including any adjustment factor needed to make such successor rate comparable to the then-applicable base rate in each case, in a manner that is consistent with industry-accepted practices for the use of such successor rate. If Fifth Third, in its sole discretion, does not designate a Designee or if the Designee determines that there is no industry-accepted successor rate to then-applicable base rate, then the five-year treasury rate will be the same rate determined for the prior reset determination date or, if this sentence is applicable with respect to the first reset determination date, a rate equal to the initial fixed rate. Fifth Third generally will be able to pay dividends and distributions upon liquidation, dissolution or winding up only out of assets legally available for such payment (after satisfaction of all claims for indebtedness and other non-equity claims). Additionally, dividends on the new Fifth Third preferred stock will be subject to the satisfaction of conditions set forth in the capital adequacy guidelines or regulations of the Federal Reserve (or any successor bank regulatory authority that may become our applicable federal banking agency) applicable to dividends on the new Fifth Third preferred stock, if any. Dividend Stopper During each dividend period while the new Fifth Third preferred stock is outstanding, unless the full dividends for the immediately preceding dividend period on all outstanding shares of new Fifth Third preferred stock have been declared and paid or declared and a sum sufficient for the payment thereof has been set aside:

| • |     | No dividend will be declared or paid or set aside for payment, and no distribution will be declared or made or                                                                                                                          
 set aside for payment, on any junior stock, other than (i) a dividend payable solely in the junior stock, or (ii) any dividend in connection with the implementation of a shareholders’ rights plan, or the redemption or repurchase of 
 any rights under such plan;                                                                                                                                                                                                             |

| • |     | No shares of junior stock will be repurchased, redeemed or otherwise acquired for consideration by Fifth Third,                                                                                                                                  
 directly or indirectly, (nor will any monies be paid to or made available for a sinking fund for the redemption of any such securities by Fifth Third) other than (i) as a