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🟢 New in Current Filing Severity9/10Det 9

Following completion of the Comerica Merger, Fifth Third may be subject to business uncertainties that could adversely affect Fifth Third’s business and operations.

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As a result of the Comerica Merger, existing customers, suppliers and other business partners of Fifth Third and of Comerica could decide to no longer do business with Fifth Third, reducing its anticipated benefits. Employee attrition could delay or disrupt the integration process. A loss of key personnel or material erosion of employee morale could have a materially adverse effect on Fifth Third’s ability to meet customer expectations, thereby adversely affecting business and results of operations. The failure to retain members of Fifth Third’s management team and other key personnel could also impair its ability to execute its strategy and implement operational initiatives, thereby having a material adverse effect on its financial condition and results of operation. It is possible that the integration process could result in the disruption of Fifth Third’s ongoing businesses or cause inconsistencies in standards, controls, procedures and policies that adversely affect the ability of Fifth Third to maintain relationships with customers and employees or to achieve anticipated benefits of the Comerica Merger. 39 Fifth Third Bancorp 39 Fifth Third Bancorp 39 Fifth Third Bancorp Table of Contents Table of Contents

🟡 Modified Fifth Third’s business is dependent on the availability and performance of operational and information technology systems, including those provided by third-party service providers. Interruptions or failures could materially adversely affect operations. 🔒

🟢 New in Current Filing Severe weather events may impact Fifth Third’s loan portfolio and operations. 🔒

🟢 New in Current Filing Fifth Third expects to incur substantial expenses related to the Comerica Merger and to the integration of Comerica. 🔒

🟢 New in Current Filing Fifth Third may fail to realize all of the anticipated benefits of the Comerica Merger, or those benefits may take longer to realize than expected due to factors that may be outside Fifth Third’s or Comerica’s control. Fifth Third may also encounter significant difficulties in integrating Comerica. 🔒

🟢 New in Current Filing Fifth Third’s future results may suffer if Fifth Third does not effectively manage its expanded operations following the Comerica Merger. 🔒

🟡 Modified Fifth Third and its service providers are exposed to cybersecurity risks, including risk of cyber-attacks and other information security breaches, which create both operational and reputational risk for the Bank and its customers across all lines of business. 🔒

🔴 No Match in Current Filing The effects of global physical climate risks, severe weather events or health emergencies may have an effect on the performance of Fifth Third’s loan portfolios, thereby adversely impacting its results of operations. 🔒

🔴 No Match in Current Filing Societal responses to climate change could adversely affect Fifth Third’s business and performance, including indirectly through impacts on Fifth Third’s customers. 🔒

🔴 No Match in Current Filing Bank failures may create significant market volatility and regulatory uncertainty which could have a material adverse effect on Fifth Third’s business and financial condition. 🔒

🟡 Modified Fifth Third may experience losses related to fraud, theft or violence. 🔒

🟡 Modified Fifth Third is subject to extensive governmental regulation which could adversely impact Fifth Third or the businesses in which Fifth Third is engaged. 🔒

🟡 Modified New technological advancements, such as AI, may subject Fifth Third to additional risks. 🔒

🔴 No Match in Current Filing Fifth Third may have more credit risk and higher credit losses to the extent loans are concentrated by exposure to individual borrowers or the location or industry of borrowers or collateral. 🔒

🔴 No Match in Current Filing Fifth Third may experience operational disruption from the effects of climate change. 🔒

🔴 No Match in Current Filing Fifth Third may be required to repurchase residential mortgage loans or reimburse investors and others as a result of breaches in contractual representations and warranties. 🔒

🔴 No Match in Current Filing Fifth Third could face serious negative consequences if its third-party service providers, business partners, customers or investments fail to comply with applicable laws, rules or regulations. 🔒

🔴 No Match in Current Filing Fifth Third has businesses other than banking that are subject to a variety of risks. 🔒

🟡 Modified Global and domestic political, social, economic and public health uncertainties and changes may adversely affect Fifth Third. 🔒

🟡 Modified Changes in interest rates could affect Fifth Third’s income and cash flows. 🔒

🟡 Modified Changes in the market could impact Fifth Third’s mortgage banking business. 🔒

🟡 Modified Fifth Third is subject to environmental, social and governance risks that could adversely affect its reputation, the trading price of its common stock and/or its business, operations and earnings. 🔒

🟡 Modified Fifth Third and/or the holders of its securities could be adversely affected by unfavorable ratings from rating agencies. 🔒

🟡 Modified Fifth Third is subject to various regulatory requirements that may limit its operations and potential growth. 🔒

🟡 Modified If Fifth Third does not respond to intense competition and rapid changes in the financial services industry or otherwise adapt to changing customer preferences, its financial performance may suffer. 🔒

🟡 Modified Deteriorating credit quality has adversely impacted Fifth Third in the past and may adversely impact Fifth Third in the future. 🔒

🟡 Modified Damage to Fifth Third’s reputation could harm its business. 🔒

🟡 Modified Deposit insurance premiums levied against the Bank could increase. 🔒

🟡 Modified Fifth Third may sell certain businesses or investments but such sales may not yield desired gains or equity increases. Additionally, lost income from these sales could have an adverse effect on its future earnings and growth. 🔒

🟡 Modified Inability to refinance in public or private capital markets could cause a default that impacts Fifth Third borrowers. 🔒

🟡 Modified Difficulties in identifying suitable acquisition or investment opportunities, integrating acquisitions, or evaluating or entering into strategic investments and relationships may hinder Fifth Third from achieving the expected benefits from these acquisitions, investments or relationships. 🔒

🟡 Modified Changes in accounting standards or interpretations could impact Fifth Third’s reported financial condition and earnings. 🔒

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