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Fifth Third Bank | All Rights Reserved
Cautionary statement
This report contains statements that we believe are “forward-looking statements” within
the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated
thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated
thereunder. These statements relate to our financial condition, results of operations, plans,
objectives, future performance or business. They usually can be identified by the use of
forward-looking language such as “will likely result,” “may,” “are expected to,” “is anticipated,” “estimate,” “forecast,”
“projected,” “intends to,” or may include other similar words or phrases such as
“believes,” “plans,” “trend,” “objective,” “continue,” “remain,” or similar
expressions, or future or conditional verbs such as “will,” “would,”
“should,” “could,” “might,” “can,” or similar verbs. You should not place undue
reliance on these statements, as they are subject to risks and uncertainties, including but not
limited to the risk factors set forth in our most recent Annual Report on Form 10-K. When
considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as
any cautionary statements we may make. Moreover, you should treat these statements as speaking only as
of the date they are made and based only on information then actually known to us.
There are a number of important factors that could cause future results to differ materially
from historical performance and these forward-looking statements. Factors that might cause
such a difference include, but are not limited to: (1) general economic conditions and weakening in the
economy, specifically the real estate market, either nationally or in the states in which Fifth Third,
one or more acquired entities and/or the combined company do business, are less favorable than
expected; (2) deteriorating credit quality; (3) political developments, wars or other hostilities may
disrupt or increase volatility in securities markets or other economic conditions; (4) changes in the
interest rate environment reduce interest margins; (5) prepayment speeds, loan origination and
sale volumes, charge-offs and loan loss provisions; (6) Fifth Third’s ability to maintain required capital
levels and adequate sources of funding and liquidity; (7) maintaining capital requirements may limit
Fifth Third’s operations and potential growth; (8) changes and trends in capital markets;
(9) problems encountered by larger or similar financial institutions may adversely affect the banking industry
and/or Fifth Third (10) competitive pressures among depository institutions increase significantly;
(11) effects of critical accounting policies and judgments; (12) changes in accounting policies
or procedures as may be required by the Financial Accounting Standards Board (FASB) or other
regulatory agencies; (13) legislative or regulatory changes or actions, or significant litigation,
adversely affect Fifth Third, one or more acquired entities and/or the combined company or the
businesses in which Fifth Third, one or more acquired entities and/or the combined company are
engaged, including the recently enacted Dodd-Frank Wall Street Reform and Consumer Protection Act;
(14) ability to maintain favorable ratings from rating agencies; (15) fluctuation of Fifth
Third’s stock price; (16) ability to attract and retain key personnel; (17) ability to receive dividends from its
subsidiaries; (18) potentially dilutive effect of future acquisitions on current shareholders’
ownership of Fifth Third; (19) effects of accounting or financial results of one or more
acquired entities; (20) difficulties in separating Fifth Third Processing Solutions from Fifth Third; (21) loss of income
from any sale or potential sale of businesses that could have an adverse effect on Fifth Third’s
earnings and future growth;(22) ability to secure confidential information through the use of
computer systems and telecommunications networks; and (23) the impact of reputational risk created by
these developments on such matters as business generation and retention, funding and liquidity.
You should refer to our periodic and current reports filed with the Securities and Exchange
Commission, or “SEC,” for further information on other factors, which could cause
actual results to be significantly different from those expressed or implied by these forward-looking statements. | 
