Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 75

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 75
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 other transactions contemplated by the merger agreement are consummated. If Fifth Third and Comerica are unable to retain key employees,
including management, who are critical to the successful integration and future operations of the companies, Fifth Third and Comerica could face disruptions in

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their operations, loss of existing customers, loss of key information, expertise or know-how and unanticipated additional recruitment costs. In addition,
if key employees terminate their employment, Fifth Third’s business activities may be adversely affected and management’s attention may be diverted from successfully integrating Fifth Third and Comerica to hiring suitable replacements,
all of which may cause Fifth Third’s business to suffer. In addition, Fifth Third and Comerica may not be able to locate or retain suitable replacements for any key employees who leave either company. For more information, see “The Mergers — Governance of Fifth Third After the Mergers” beginning on page 115.

Regulatory approvals may not be received, may take longer than expected or may impose conditions that are not presently anticipated or that could have an adverse effect on Fifth Third following the first merger.

Before the mergers and the bank mergers may be completed, various approvals, consents and non-objections must be
obtained from the Federal Reserve Board, the OCC and various other bank regulatory, antitrust, insurance and other authorities in and outside the United States. In determining whether to grant these approvals, such regulatory authorities consider a
variety of factors, including the regulatory standing of each party and the factors described under “The Mergers-Regulatory Approvals” beginning on page 116. These approvals could be delayed or not obtained at all, including
due to: an adverse development in either party’s regulatory standing or in any other factors considered by regulators when granting such approvals; governmental, political or community group inquiries, investigations or opposition; or changes
in legislation or the political environment generally.

The approvals that are granted may impose terms and conditions, limitations, obligations or costs,
or place restrictions on the conduct of Fifth Third’s business or require changes to the terms of the transactions contemplated by the merger agreement. There can be no assurance that regulators will not impose any such conditions,
limitations, obligations or restrictions and that such conditions, limitations, obligations or restrictions will not have the effect of delaying the completion of any of the transactions contemplated by the merger agreement, imposing additional
material costs on or materially limiting the revenues of Fifth Third following the first merger or otherwise reduce the anticipated benefits of the mergers and bank