content_image/262979.jpg content_image/262982.jpg content_image/262983.jpg
<img src='content_image/262979.jpg'>

## 2010 AN FINAN ANNUAL REP NCIAL CONT PORT TENTS 

<img src='content_image/262982.jpg'>

## N Notes to Consolid dated Financial S Statements 

<img src='content_image/262983.jpg'>

## FO ORWARD-LOO OKING STATE EMENTS 

Th 19 risk bu exp “re cau eco com oth (6) gro (10 be Th the Th sha Th inf gen his report may contain 33, as amended, and ks and uncertainties. usiness of Fifth Third pected to,” “is anticip emain,” or similar exp use future results to d onomic conditions an mpany do business, a her economic conditi ) Fifth Third’s ability owth; (8) changes an 0) competitive pressur required by the Fina hird, one or more acq e recently enacted Do hird’s stock price; (16 areholders’ ownership hird; (21) loss of inco formation through th neration and retention n forward-looking sta Rule 175 promulgate This report may con d Bancorp and/or the pated,” “estimate,” “ pressions, or future or differ materially from nd weakening in the e are less favorable than ons; (4) changes in th to maintain required nd trends in capital res among depository ancial Accounting Sta quired entities and/or odd-Frank Wall Stree 6) ability to attract a p of Fifth Third; (19) ome from any sale o he use of computer s n, funding and liquidi atements about Fifth ed thereunder, and Se ntain certain forward e combined company “forecast,” “projected r conditional verbs su  historical performan conomy, specifically t n expected; (2) deterio he interest rate enviro d capital levels and ad markets; (9) problem y institutions increase andards Board (FASB the combined compa et Reform and Consu and retain key person effects of accounting or potential sale of b systems and telecomm ty. Third Bancorp and/o ection 21E of the Sec d-looking statements y including statement d,” “intends to,” or m uch as “will,” “would, nce and these forward the real estate market orating credit quality; ( onment reduce interes dequate sources of fu ms encountered by l significantly; (11) effe B) or other regulatory any or the businesses umer Protection Act ( nnel; (17) ability to r g or financial results o businesses that could munications network or the company as co curities Exchange Act with respect to the ts preceded by, follow may include other sim ,” “should,” “could,” d-looking statements. t, either nationally or i (3) political developm st margins; (5) prepay unding and liquidity; ( larger or similar fina ects of critical accoun y agencies; (13) legisl in which Fifth Third (Dodd-Frank Act); (1 receive dividends fro of one or more acquir have an adverse eff ks; and (23) the impa ombined acquired ent t of 1934, as amende financial condition, r wed by or that includ milar words or phrase “might,” “can,” or si Factors that might ca in the states in which ments, wars or other ho yment speeds, loan ori (7) maintaining capita ancial institutions ma nting policies and judg ative or regulatory ch , one or more acquire 14) ability to maintain om its subsidiaries; (1 red entities; (20) diffi fect on Fifth Third’s act of reputational ris tities within the mean ed, and Rule 3b-6 pro results of operations, de the words or phras es such as “believes,” imilar verbs. There ar ause such a difference Fifth Third, one or m ostilities may disrupt igination and sale vol al requirements may l ay adversely affect t gments; (12) changes i hanges or actions, or ed entities and/or the n favorable ratings fro 18) potentially dilutiv culties in separating F earnings and future sk created by these d ning of Section 27A o omulgated thereunder  plans, objectives, fu ses such as “will likel ” “plans,” “trend,” “o re a number of impor e include, but are not more acquired entities or increase volatility i lumes, charge-offs an limit Fifth Third’s op the banking industry in accounting policies  significant litigation, e combined company om rating agencies; (1 ve effect of future ac Fifth Third Processin  growth; (22) ability developments on suc of the Securities Act o r, that involve inheren uture performance an ly result,” “may,” “ar objective,” “continue, rtant factors that coul t limited to: (1) gener s and/or the combine in securities markets o nd loan loss provision perations and potentia y and/or Fifth Third s or procedures as ma , adversely affect Fift are engaged, includin 15) fluctuation of Fift cquisitions on curren g Solutions from Fift to secure confidentia ch matters as busines of nt nd re ,” ld al ed or ns; al d; ay th ng th nt th al ss 

