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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 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 Vantiv, LLC, formerly 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. | 
