Company: FITBI
Filing Date: 2025-11-05
Form Type: S-4
Source: 0001193125-25-267273
Chunk: 230

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-05
Form: S-4
Chunk 230
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encing on or after the First Reset Date, the “five-year treasury rate” with respect to any reset determination date will be:

| • |     | The average of the yields on actively traded U.S. treasury securities adjusted to constant maturity, for                                                                                                                           
 five-year maturities, for the five business days appearing under the caption “Treasury Constant Maturities—Nominal” (or any successor caption or heading) in the most recently published statistical release designated H.15 Daily 
 Update (the “H.15”) or any successor publication which is published by the Federal Reserve as of 5:00 p.m. (Eastern Time), as determined by the calculation agent in its sole discretion.                                          |

| • |     | If there are no such published yields on actively traded U.S. treasury securities adjusted to constant maturity (nominal/non-inflation-indexed), for five-year maturities, then the rate will be determined by the calculation agent in its sole discretion by interpolation between the average of the yields on actively traded U.S. 
 treasury securities adjusted to constant maturity for two series of actively traded U.S. treasury securities, (A) one maturing as close as possible to, but earlier than, the reset date following the next succeeding reset determination date, and                                                                                   
 (B) the other maturing as close as possible to, but later than, the reset date following the next succeeding reset determination date, in each case for the five business days appearing (or, if fewer than five business days appear, such number                                                                                     
 of business days appearing) in the H.15 as of 5:00 p.m. (Eastern Time).                                                                                                                                                                                                                                                                |

Notwithstanding the foregoing, if Fifth Third, in its sole discretion, determines on or prior to the relevant reset determination date that the five-year treasury rate cannot be determined in the manner then applicable for such rate (which, as of the date of original issuance of the new Fifth Third preferred stock, is pursuant to the methods described in the bulleted clauses above), Fifth Third may, in its sole discretion, designate an unaffiliated agent or advisor, which may include an unaffiliated underwriter for the offering of the depositary shares or any affiliate of any such underwriter (the “Designee”), to determine whether there is an industry-accepted successor rate to the then-applicable base rate (which, as of the date of original issuance of the new Fifth Third preferred stock, is the initial base rate). If the Designee determines that there is