Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 78

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 78
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 the mergers or any of the other transactions contemplated by the merger agreement or
making the completion of the merger illegal; (vii) subject to certain exceptions, the accuracy of the representations and warranties of the other party; (viii) the prior performance in all material respects by the other party of the
obligations required to be performed by it at or prior to the closing date; and (ix) receipt by each party of an opinion from its counsel to the effect that Comerica’s merger with and into Fifth Third will qualify as a
“reorganization” within the meaning of Section 368(a) of the Code.

These conditions to the closing may not be fulfilled in a timely
manner or at all, and, accordingly, the first merger may not be completed. In addition, the parties can mutually decide to terminate the merger agreement at any time, before or after shareholder or stockholder, as applicable, adoption or approval,
as applicable, or Fifth Third or Comerica may elect to terminate the merger agreement in certain other circumstances. See “The Merger Agreement — Termination of the MergerAgreement” beginning on page 133.

Failure to complete the first merger could negatively impact Fifth Third or Comerica.

If the first merger is not completed for any reason, including as a result of either Fifth Third voting shareholders failing to approve the Fifth Third stock
issuance proposal or Comerica stockholders failing to adopt the Comerica

53

merger proposal, there may be various adverse consequences and Fifth Third and/or Comerica may experience negative reactions from the financial markets and from their respective customers and
employees. For example, Fifth Third’s or Comerica’s businesses may have been impacted adversely by the failure to pursue other beneficial opportunities due to the focus of management on the first merger and other transactions
contemplated by the merger agreement or the limitations of the merger agreement, without realizing any of the anticipated benefits of completing the first merger and such other transactions. Fifth Third and/or Comerica also could be subject to
litigation related to any failure to complete the first merger or to proceedings commenced against Fifth Third or Comerica to perform their respective obligations under the merger agreement. If the merger agreement is terminated under certain
circumstances, either Fifth Third or Comerica may be required to pay a termination fee of $500,000,000 to the other party.

Additionally, each of Fifth
Third and Comerica has incurred and will incur substantial expenses in