Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 189

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 189
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erica, and that would not impose any material restriction on, or create any adverse precedent that would be material to, the business of it or its subsidiaries, Fifth Third or the 
 surviving entity following consummation of the first merger;                                                                                                                                                                                      |

| • |     | take any action or knowingly fail to take any action where such action or failure to act could reasonably be                                                                                                      
 expected to prevent (i) the first merger or the bank mergers from qualifying as a “reorganization” within the meaning of Section 368(a) of the Code and (ii) the second merger from qualifying as a “liquidation” 
 as described in Section 332 of the Code;                                                                                                                                                                          |

| • |     | amend its articles of incorporation, its bylaws or comparable governing documents of its subsidiaries that are 
 “significant subsidiaries” within the meaning of Rule 1-02 of Regulation S-X of the SEC;                       |

| • |     | other than in prior consultation with Fifth Third, materially restructure or materially change its investment                                                             
 securities or derivatives portfolio or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported; |

126

| • |     | implement or adopt any change in its accounting principles or methods, other than as required by U.S. GAAP; |

| • |     | enter into any new line of business or, other than in the ordinary course of business (which may include                                                                                                                                                 
 partnering with third parties in origination, flow, servicing and other capacities) consistent with past practice, change in any material respect its lending, investment, underwriting, risk and asset liability management and other banking and       
 operating, securitization and servicing policies (including any change in the maximum ratio or similar limits as a percentage of its capital exposure applicable with respect to its loan portfolio, any segment thereof or individual loans), except as 
 required by applicable law, regulation or policies imposed by any governmental entity;                                                                                                                                                                   |

| • |     | merge or consolidate itself or any of its subsidiaries with any other person, or restructure, reorganize or 
 completely or partially liquidate or dissolve any of its subsidiaries;                                      |

| • |     | make (other than in the ordinary course of business), change or revoke any material tax election, change an                                                                                                                                              
 annual tax accounting period, adopt or change any material tax accounting method, file any material amended tax return, enter into any closing agreement or similar agreement with a tax authority with respect