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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 from the separation of
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. | 
