Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 74

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 74
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 and prices by the time the first merger is completed. The opinions do not speak as of any date other than the dates of those
opinions.

Combining Fifth Third and Comerica may be more difficult, costly or time consuming than expected and Fifth Third and Comerica may fail to realize the anticipated benefits of the first merger.

The success of the transaction will depend, in part, on the ability to realize the
anticipated cost savings from combining the businesses of Fifth Third and Comerica. To realize the anticipated benefits and cost savings from the first merger, Fifth Third and Comerica must integrate and combine their businesses in a manner that
permits those cost savings to be realized, without adversely affecting current revenues and future growth. If Fifth Third and Comerica are not able to successfully achieve these objectives, the anticipated benefits of the first merger may not be
realized fully or at all or may take longer to realize than expected. For more information, see “Unaudited Pro Forma Condensed Combined Financial Information” beginning on page 32.

An inability to realize the full extent of the anticipated benefits of the first merger, as well as any delays encountered in the integration process, could
have an adverse effect upon the revenues, levels of expenses and operating results of the combined company, which may adversely affect the value of Fifth Third common stock after the completion of the first merger.

It is possible that the integration process could result in the loss of key employees, the disruption of each company’s ongoing businesses or
inconsistencies in standards, controls, procedures and policies that adversely affect the companies’ ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of
the first merger and other transactions contemplated by the merger agreement. Integration efforts between the two companies may also divert management attention and resources. These integration matters could have an adverse effect on each of Fifth
Third and Comerica during this transition period and for an undetermined period after completion of the first merger on Fifth Third.

Fifth Third may be unable to retain Fifth Third and/or Comerica personnel successfully after the first merger is completed.

The success of the transaction
will depend in part on Fifth Third’s ability to retain the talents and dedication of key employees currently employed by Fifth Third and Comerica. It is possible that certain of these employees may decide not to remain with Fifth Third or
Comerica, as applicable, while the first merger is pending or with Fifth Third after the first merger and