Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 70

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 70
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; (8) risks related to management and oversight of the expanded business and operations of the combined company following the closing of
the proposed first merger; (9) the risk that the integration of each party’s operations will be materially delayed or will be more costly or difficult than expected or that the parties are otherwise unable to successfully integrate each
party’s businesses into the other’s businesses; (10) the possibility that the first merger may be more expensive to complete than anticipated, including as a result of unexpected factors or events; (11) reputational risk and
potential adverse reactions of Comerica or Fifth Third customers, employees, vendors, contractors or other business partners, including those resulting from the announcement or completion of the first merger; (12) the dilution caused by Fifth
Third’s issuance of additional shares of its common stock in connection with the first merger; (13) an adverse change in the condition of Comerica or Fifth Third; (14) the extent to which Comerica’s or Fifth Third’s
businesses perform consistent with management’s expectations; (15) Comerica’s and Fifth Third’s ability to take advantage

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of growth opportunities and implement targeted initiatives in the timeframe and on the terms currently expected; (16) the inability to sustain revenue and earnings growth; (17) the
execution and efficacy of recent strategic investments; (18) the timing and impact of transitioning Comerica’s Direct Express network to Fifth Third; (19) the impact of macroeconomic factors, such as changes in general economic
conditions and monetary and fiscal policy, particularly on interest rates and the rate of inflation; (20) changes in customer behavior; (21) unfavorable developments concerning credit quality; (22) declines in the businesses or
industries of Comerica’s or Fifth Third’s customers; (23) the possibility that the combined company is subject to additional regulatory requirements as a result of the proposed first merger or expansion of the combined
company’s business operations following the proposed first merger; (24) general competitive, political and market conditions and other factors that may affect future results of Comerica and Fifth Third including changes in asset quality
and credit risk; (25) security risks, including cybersecurity and data privacy risks, and capital markets; (26) inflation; (27) the impact, extent and timing of technological changes; (28) capital management activities;
(29) competitive product and pricing pressures; (30) the outcomes of legal and regulatory proceedings and related financial services industry matters