Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 80

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 80
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 the case of a potential acquisition of Comerica, it were prepared to pay consideration with a higher per share price to Comerica stockholders than what is contemplated in
the merger agreement, or might result in a potential competing acquirer proposing to pay a lower per share price to acquire Fifth Third or Comerica than it might otherwise have proposed to pay. For more information, see “The Merger Agreement — Agreement Not to Solicit Other Offers” and “The Merger Agreement — Shareholder and Stockholder Meetings and Recommendation of Comerica’s and Fifth Third’s Boards of Directors”
beginning on pages 132 and 131, respectively.

54

The shares of Fifth Third common stock to be received by holders of Comerica common stock as a result of the first merger will have different rights from the shares of Comerica common stock.

In the first merger, holders of Comerica common stock
will become holders of Fifth Third common stock and their rights as shareholders will be governed by Ohio law and the governing documents of Fifth Third. The rights associated with Fifth Third common stock are different from the rights associated
with Comerica common stock. See “Comparison of Shareholders’ and Stockholders’ Rights” beginning on page 162 for a discussion of the different rights associated with Fifth Third common stock.

Fifth Third and Comerica will incur transaction and integration costs in connection with the first merger.

Fifth Third and Comerica have incurred and expect to incur significant, non-recurring costs in connection with
negotiating the merger agreement and closing the first merger. In addition, Fifth Third will incur integration costs following the completion of the first merger as Fifth Third and Comerica integrate their businesses, including facilities and
systems consolidation costs and employment-related costs. Fifth Third will also dedicate significant resources toward meeting the higher regulatory and supervisory standards applicable to Category III bank holding companies, a classification that is
not applicable to Fifth Third today, but will be applicable to Fifth Third following the closing. For more information, see “Unaudited Pro Forma Condensed Combined Financial Information” beginning on page 32.

There can be no assurances that the expected benefits and efficiencies related to the integration of the businesses will be realized to offset these
transaction and integration costs over time. Fifth Third and Comerica may also incur additional costs to maintain employee morale and to retain key employees. Fifth Third and Comerica will also incur significant legal, financial advisory,
accounting, banking and consulting fees, fees relating to regulatory