Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 184

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 184
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     | related party transactions; |

| • |     | inapplicability of state takeover statutes; |

| • |     | absence of action or awareness of any circumstance that would prevent the (i) 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; |

| • |     | opinions from each party’s respective financial advisor(s); |

| • |     | the accuracy of information supplied for inclusion in this joint proxy statement/prospectus and other similar 
 documents;                                                                                                    |

| • |     | insurance matters; and |

| • |     | no other representations and warranties. |

123

The merger agreement contains additional representations and warranties made by Comerica with respect to:

| • |     | environmental matters; |

| • |     | real property; |

| • |     | intellectual property; |

| • |     | loan portfolio matters; |

| • |     | broker-dealer subsidiaries; and |

| • |     | insurance subsidiaries. |

Certain representations and warranties of Fifth Third and Comerica are qualified as to “materiality” or “material adverse effect.” For purposes of the merger agreement, a “material adverse effect,” when used in reference to either Fifth Third, Comerica or the surviving entity, means any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on (1) the business, properties, assets, liabilities, results of operations or financial condition of such party and its subsidiaries taken as a whole or (2) the ability of such party to timely consummate the transactions contemplated by the merger agreement. However, with respect to clause (1), a material adverse effect will not be deemed to include the impact of:

| • |     | changes, after the date of the merger agreement, in U.S. GAAP or applicable regulatory accounting requirements; |

| • |     | changes, after the date of the merger agreement, in laws, rules or regulations of general applicability to                                   
 companies in the industries in which such party and its subsidiaries operate, or interpretations thereof by courts or governmental entities; |

| • |     | changes, after the date of the merger agreement, in global, national or regional political conditions (including