GLOSSARY OF TERMS Fifth Third Bancorp provides the following list of acronyms as a tool for the reader. The acronyms identified below are used in Management’s  Discussion & Analysis of Financial Condition & Results of Operations, the Consolidated Financial Statements and in the Notes to  Consolidated Financial Statements. ALCO:  Asset Liability Management Committee  ALLL:  Allowance for Loan and Lease Losses  ARM:  Adjustable Rate Mortgage ASC:  Accounting Standards Codification  BOLI:  Bank Owned Life Insurance  bp:  Basis Point(s)  C&I:  Commercial and Industrial  CARD:  Card Accountability, Responsibility and Disclosure CDC:  Fifth Third Community Development Corporation  CPP:  Capital Purchase Program  DCF:  Discounted Cash Flow  DIF:  Deposit Insurance Fund  EESA:  Emergency Economic Stabilization Act of 2008  ERISA:  Employee Retirement Income Security Act  ERM:  Enterprise Risk Management  ERMC:  Enterprise Risk Management Committee  EVE:  Economic Value of Equity  FASB:  Financial Accounting Standards Board  FDIC:  Federal Deposit Insurance Corporation  FHLB:  Federal Home Loan Bank  FHLMC:  Federal Home Loan Mortgage Corporation  FICO:  Fair Isaac Corporation (credit rating)  FNMA:  Federal National Mortgage Association  FRB:  Federal Reserve Bank  FTAM:  Fifth Third Asset Management, Inc. FTE:  Fully Taxable Equivalent FTP:  Funds Transfer Pricing  FTPS:  Fifth Third Processing Solutions  FTS:  Fifth Third Securities GNMA:  Government National Mortgage Association  IPO:  Initial Public Offering  IRS:  Internal Revenue Service  LAPA:  Liquid Asset Purchase Agreement  LIBOR:  London InterBank Offered Rate  LTV:  Loan-to-Value  MD&A:  Management’s Discussion & Analysis of Financial  Condition and Results of Operations  MSR:  Mortgage Servicing Right  NII:  Net Interest Income  OCI:  Other Comprehensive Income  OREO:  Other Real Estate Owned  OTTI:  Other-Than-Temporary Impairment  PMI:  Private Mortgage Insurance  QSPE:  Qualifying Special-Purpose Entity  RSA:  Restricted Stock Award  SAR:  Stock Appreciation Right  SEC:  United States Securities and Exchange Commission  SCAP:  Supervisory Capital Assessment Program  TAG:  Transaction Account Guarantee TARP:  Troubled Asset Relief Program  TLGP:  Temporary Liquidity Guarantee Program  TDR:  Troubled Debt Restructuring  TSA:  Transition Service Agreement  U.S. : United States of America  U.S. GAAP:  Accounting principles generally accepted in the  United States of America  VIE:  Variable Interest Entity  VRDN:  Variable Rate Demand Note  14 Fifth Third Bancorp 