EDGAR 10-K Filing

Company CIK: 1405332
Filing Year: 2022
Filename: 1405332_10-K_2022_0001193125-22-086470.json

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ITEM 1. BUSINESS
Item 1.
Business
(b)

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ITEM 1A. RISK FACTORS
Item 1A.
Risk Factors
(c)
Item 2.
Properties
(d)
Item 3.
Legal Proceedings

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ITEM 1B. UNRESOLVED STAFF COMMENTS
Item 1B. Unresolved Staff Comments.
Not applicable.

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ITEM 2. PROPERTIES

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ITEM 3. LEGAL PROCEEDINGS

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ITEM 4. MINE SAFETY DISCLOSURE
Item 4. [Reserved.]
PART II
THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE WITH GENERAL INSTRUCTION J TO FORM 10-K:

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ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY
Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

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ITEM 6. SELECTED FINANCIAL DATA
Item 6. [Reserved]

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ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

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ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
Item 7A. Quantitative and Qualitative Disclosures about Market Risk

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ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
Item 8. Financial Statements and Supplementary Data

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ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

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ITEM 9A. CONTROLS AND PROCEDURES
Item 9A. Controls and Procedures

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ITEM 9B. OTHER INFORMATION
Item 9B. Other Information.
None.
PART III
THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE WITH GENERAL INSTRUCTION J TO FORM 10-K:

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ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
Item 10. Directors, Executive Officers and Corporate Governance

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ITEM 11. EXECUTIVE COMPENSATION
Item 11. Executive Compensation

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ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

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ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
Item 13. Certain Relationships and Related Transactions, and Director Independence

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ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES
Item 14. Principal Accountant Fees and Services
PART IV

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ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES
Item 15. Exhibits And Financial Statement Schedules.
(a)
(1)
Not Applicable.
(2)
Not Applicable.
(3)
The exhibits filed in response to Item 601 of Regulation S-K are listed in Item 15(b) below.
(b)
The exhibits filed in response to Item 601 of Regulation S-K are listed below and either included or incorporated by reference as indicated:
EXHIBIT INDEX
Exhibit 3.1
Certificate of Formation for Fifth Third Holdings Funding, LLC (“Fifth Third Funding”) (filed as Exhibit 3.1 to Form SF-3 of Fifth Third Funding, filed on May 16, 2016 (No. 333-211395)).*
Exhibit 3.2
Limited Liability Company Agreement of Fifth Third Funding (filed as Exhibit 3.2 to Form SF-3 of Fifth Third Funding, filed on May 16, 2016 (No. 333-211395)).*
Exhibit 4.1
Indenture, dated as of May 8, 2019, between the Issuing Entity and Wilmington Trust, National Association, as indenture trustee (the “Indenture Trustee”) (filed as Exhibit 4.1 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 10.1
Receivables Sale Agreement, dated as of May 8, 2019, between Fifth Third, as seller, and Fifth Third Holdings, LLC, as purchaser (filed as Exhibit 10.1 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 10.2
Purchase Agreement, dated as of May 8, 2019, between Fifth Third Holdings, LLC, as seller, and Fifth Third Funding, as purchaser (filed as Exhibit 10.2 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 10.3
Sale Agreement, dated as of May 8, 2019, between Fifth Third Funding, as seller, and the Issuing Entity, as purchaser (filed as Exhibit 10.3 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 10.4
Servicing Agreement, dated as of May 8, 2019, among Fifth Third, as servicer, the Issuing Entity and the Indenture Trustee (filed as Exhibit 10.4 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 10.5
Administration Agreement, dated as of May 8, 2019, among Fifth Third, the Issuing Entity and the Indenture Trustee (filed as Exhibit 10.5 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 10.6
Amended and Restated Trust Agreement, dated as May 8, 2019, among Fifth Third Funding, The Bank of New York Mellon, not in its individual capacity but solely as owner trustee for the Issuing Entity (the “Owner Trustee”), and BNY Mellon Trust Of Delaware, as Delaware trustee (filed as Exhibit 10.6 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 10.7
Asset Representations Review Agreement, dated as of May 8, 2019, among the Issuing Entity, Fifth Third, as servicer, and Clayton Fixed Income Services LLC, as asset representations reviewer (filed as Exhibit 10.7 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on May 9, 2019).*
Exhibit 31.1
Certification of the senior officer in charge of securitization of Fifth Third Funding, as depositor, pursuant to Rule 15d-14(d).
Exhibit 33.1
Report on Assessment of Compliance with Servicing Criteria of Fifth Third Bank, National Association.
Exhibit 33.2
Report on Assessment of Compliance with Servicing Criteria of the Indenture Trustee.
Exhibit 34.1
Attestation Report on Assessment of Compliance with Servicing Criteria of Deloitte and Touche LLP on behalf of Fifth Third.
Exhibit 34.2
Attestation Report on Assessment of Compliance with Servicing Criteria of PricewaterhouseCoopers LLP on behalf of the Indenture Trustee.
Exhibit 35.1
Servicing Compliance Statement of Fifth Third.
* Incorporated by reference.
(c) None.