Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 48

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 48
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”) with respect to the mergers and the approval of the Office of the Comptroller of the Currency (the “OCC”) with respect to the bank mergers and the approval of the Texas Department of Banking. The initial submission of these regulatory applications occurred on October 28, 2025. Although neither Fifth Third nor Comerica knows of any reason why it cannot obtain these regulatory approvals in a timely manner, Fifth Third and Comerica cannot be certain when or if they will be obtained, or that the granting of these regulatory approvals will not involve the imposition of conditions on the completion of the mergers or the bank mergers.

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Expected Timing of the First Merger Fifth Third and Comerica expect to consummate the first merger during the first quarter of 2026. However, neither Fifth Third nor Comerica can predict the actual date on which the first merger will be completed, or if the first merger will be completed at all, because completion is subject to conditions and factors outside the control of both companies. Fifth Third must first obtain the approval of Fifth Third voting shareholders for the Fifth Third stock issuance proposal, and Comerica must first obtain the adoption of the holders of Comerica common stock for the Comerica merger proposal. Fifth Third and Comerica must also obtain necessary regulatory approvals and satisfy certain other closing conditions. Fifth Third and Comerica expect the first merger to be completed promptly once Fifth Third and Comerica have obtained their respective shareholders’ or stockholders’, as applicable, approvals noted above, have obtained necessary regulatory approvals, and have satisfied the other closing conditions. The mergers will become effective at the time specified in the certificates of merger to be filed with the Ohio Secretary of State and the Delaware Secretary of State. Subject to the terms and conditions set forth in the merger agreement, unless otherwise mutually agreed upon by the duly authorized officers of Fifth Third and Comerica, the parties shall cause the effective time of the first merger to occur on the first (1st) business day of the month following the satisfaction or waiver of all the conditions set forth in the merger agreement (other than those conditions that by their nature are to be satisfied at the closing, but subject to the satisfaction or waiver of those conditions at the closing), provided that, (i) if the termination date of the merger agreement would occur on or after the third (3rd) business day following such satisfaction or waiver but before the first (1st) business day on which the closing would otherwise occur, then the