Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. Profit Sharing Plan.

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1 day from one I felt rewarded for my efforts. Employee Benefits Take Advantage of Competitive Benefits At Fifth Third Bank, we want to create an environment where you will want to stay and build your career. From Day One, you ll experience the many advantages of joining our team. We offer a variety of outstanding benefits that help you plan for your future while meeting your needs today. WEALTH ACCUMULATION Profit Sharing Plan Through your efforts, you help build a better future for Fifth Third Bank. The Bank then shares a portion of its profits with eligible employees in the form of the Profit Sharing plan. Those employed on the last day of the plan year (December 3) may be eligible to receive a contribution to their Profit Sharing account. Fifth Third Bank s contribution is based on the Bank meeting or exceeding financial goals. The contribution is based on your Profit Sharing eligible salary from January to December 3. Profit Sharing becomes 00 percent vested after three years of employment. 40(k) Plan In preparation for your future, all employees are eligible to defer up to 50 percent of eligible earnings, subject to IRS limitations, to the 40(k) Plan after 30 days of employment. Fifth Third Bank will match 00 percent of the first 4 percent deferred on a pre-tax or Roth 40(k) basis, per pay period. The Bank s match becomes 00 percent vested after three years of employment. Employee Stock Purchase Plan You are eligible to purchase Fifth Third Bank stock through payroll deductions starting with your first paycheck. The stock purchase plan match is immediately 00 percent vested. Fifth Third Bank matches all employee contributions to the plan at 5 percent. You may contribute up to 0 percent of Benefits Salary,* not to exceed $26,000 per calendar year.

2 Vision Insurance Fifth Third Bank offers vision insurance through EyeMed Vision Care to eligible employees after a 30-day waiting period. You may select any provider for services; however, the plan pays higher benefits if you receive services from a participating network provider. Covered services include: eye exams, eyeglasses, contact lenses, and discounts for LASIK Vision Plan Employee $3.82 Employee+ $7.25 Family $0.64 and PRK vision correction procedures. The per-pay premiums are listed above. Bank-Provided Life Insurance Fifth Third Bank provides life and accidental death and dismemberment insurance coverage to all full-time and eligible part-time employees. Coverage begins after 30 days of service. Full-time employees receive coverage of one-time their Benefits Salary,* up to a maximum of $ million. Eligible part-time employees receive coverage of $0,000. Supplemental Life Insurance Fifth Third Bank offers full-time employees the option to purchase supplemental life insurance coverage of up to five times their Benefits Salary* (maximum $ million) after a 30-day waiting period. If you choose to participate in supplemental life insurance, you are eligible to purchase coverage for your eligible dependents. Voluntary Personal Accident Insurance After 30 days of service, all full-time and eligible part-time employees may purchase voluntary personal accident insurance. This insurance provides benefits in the event of accidental death and provides dismemberment benefits in the event of a loss of limb. Coverage can be purchased from $25,000 to $250,000. Coverage for a spouse/same-gender domestic partner and eligible dependents also may be purchased. Disability Insurance Fifth Third Bank provides Short-Term Disability (STD) benefits to eligible full-time and part-time employees. Coverage begins after 30 days of service. Long-Term Disability (LTD) benefits are provided to eligible full-time employees after one year of service. Full-time employees have the option of purchasing LTD coverage during their first year of employment HEALTH SAVINGS ACCOUNT (HSA) The HSA is an optional individual account, if participating in the high-deductible health plan, which may be used to pay for current or future health care expenses on a tax-advantaged basis. Features of the HSA include: The ability to pay for health care expenses tax-free Place your contributions in investments that can earn additional funds to pay expenses Take your account with you if you change jobs And save now for future health care expenses FLEXIBLE SPENDING ACCOUNTS (FSA) Fifth Third Bank offers eligible employees five FSAs: Health Care FSA (maximum $2,500/year) Limited Purpose FSA (maximum $2,500/year) Dependent Day Care FSA (maximum $5,000/year) Parking FSA (maximum $245/month) Mass Transit FSA (maximum $245/month) FSAs allow employees to defer money on a pre-tax basis for out-of-pocket expenses. Fifth Third Bank reserves the right to terminate or change plans at any time. As always, the Plan Documents, not this summary, are controlling. Part-time employees must work more than 20 hours per week to be eligible for benefits. *Benefits Salary is a calculation that is used when referring to health and wellness benefits. To learn more, please speak with a recruiter.

3 BENEFIT CHOICE DOLLARS In addition to the portion of your benefits that are Bank-paid, Fifth Third Bank provides Benefit Choice Dollars to further offset your outof-pocket benefit costs or to take as additional cash compensation. Benefit Choice Dollars are granted to eligible employees after 30 days of employment, and are paid in each pay cycle. Eligible employees receive 4 percent of their Benefits Salary,* up to $4,000 per year. INSURANCE Health Insurance Fifth Third Bank offers medical coverage to eligible employees after a 30-day waiting period. Employees are offered an HSP (a high-deductible health plan with the option to contribute to a Health Savings Account), EPO and PPO. The HSP and PPO plans do not require the selection of a primary care physician and offer the flexibility of in-network and out-of-network benefits. Under the EPO, you must use an in-network service provider to receive benefits. All plans offer 00 percent coverage for preventive services received through in-network providers. The per-pay premiums for each plan are detailed in the adjacent chart. Spousal Contribution Employees who have a non-fifth Third Bank employed spouse or same-gender domestic partner on their medical coverage, and the spouse or same-gender domestic partner has subsidized medical coverage available through his or her employer, will be required to make an additional $50 per pay period contribution for medical coverage. Because your spouse or same-gender domestic partner was offered this benefit through his or her own employer, Fifth Third Bank requires an additional contribution to offset the additional cost to our plans. Full-Time Employees Part-Time Employees Health Insurance Plan Employee Employee+ Family HSP $48.98 $98.23 $53.23 EPO $7.25 $44.05 $224.7 PPO $00. $9.88 $268.8 HSP $78.53 $57.50 $ EPO $99.73 $20.66 $33.80 PPO $44.22 $ $ Dental Insurance Fifth Third Bank offers dental insurance through Delta Dental to eligible employees after a 30-day waiting period. You are able to choose between different levels of coverage offered through the Basic Plan and Premium Plan options. The Basic Plan provides coverage for preventive and basic services, while the Premium Plan option also provides coverage for major dental services 2 (root canals, crowns, etc.). When you seek non-covered dental services from an in-network provider, you still receive the same discounted rate as you would for covered services. The per-pay premiums for each plan are detailed in the adjacent chart. DentaI Plan Employee Employee+ Family Basic $6.73 $2.95 $28.46 Premium $3.50 $25.38 $47.82 Part-time employees must work more than 20 hours per week to be eligible for benefits. Fifth Third Bank reserves the right to terminate or change plans at any time. As always, the Plan Documents, not this summary, are controlling. 2 There is a 2-month waiting period for certain services. *Benefits Salary is a calculation that is used when referring to health and wellness benefits. To learn more, please speak with a recruiter.

4 SUMMARY OF MEDICAL BENEFITS EPO PPO HSP Priority EPO United HealthCare and Anthem BCBS (In-Network Only) United HealthCare and Anthem BCBS (In-Network = 90%) (Out-of-Network = 70%) (Health Savings Plan) United HealthCare (In-Network = 90%) (Out-of-Network = 70%) *Grand Rapids & NW Michigan (In-Network Only) Office Visits (PCP) $20 co-payment / then 00% Lab/Diagnostic = $20 co-payment / then 00% Lab/Diagnostic = Preventive Care 00% no deductible In-network: 00% no deductible Out-of-network: 70% after deductible In-network: 00% no deductible Out-of-network: 70% after deductible 00% no deductible Specialist Visit $20 co-payment / then 00% after deductible Lab/Diagnostic = Hospital-Inpatient & Outpatient Feature Urgent Care $50 co-payment / then $50 co-payment / then $50 co-payment / then Prescription Drugs $0 / $30 / $ x co-payment for a 90-day supply $0 / $30 / $ x co-payment for a 90-day supply $0 / $ x co-payment for a 90-day supply Deductible $400 Single / $800 Family $500 Single / $,000 Family $,000 Single / $2,000 Family In-Network or $,500 Single / $3,000 Family 3,4 $400 Single / $800 Family Out-of-Pocket Maximum $2,500 Single / $5,000 Family 2 $3,000 Single / $6,000 Family 2 $2,500 Single / $5,000 Family 2 $2,500 Single / $5,000 Family $6,000 Single / $2,000 Family 2 $5,000 Single / $0,000 Family 2 In-network and out-of-network deductibles are met separately. 2 Out-of-pocket maximums include deductibles and certain co-payments (excludes prescription drug co-payments). 3 HSP deductible applies to In-network and Out-of-network services. 4 The individual deductible does not apply to family coverage under the HSP Plan. The total $3,000 annual family deductible must be met before benefits are paid. The information above is not all-inclusive and is intended for summary purposes only. For more detailed information, please contact the customer service unit of the plan of your choice. Plan eligibility is based on your geographic location. For your specific plan eligibility and for more details, please speak with your recruiter. Health Insurance Provider UHC EPO, Anthem PPO and UHC HSP Anthem EPO, UHC PPO and UHC HSP Priority EPO, Anthem PPO and UHC HSP Geographic Area Florida, Illinois, Kentucky, Ohio, Tennessee, Georgia, Employees in all other states not mentioned below Indiana, Michigan*, Pennsylvania, West Virginia, North Carolina Grand Rapids, Michigan

5 TIME AWAY FROM WORK Vacation Full-time and eligible part-time employees accrue vacation from their date of hire according to this schedule: Employees starting mid-year will accrue a prorated amount of vacation their first year based on the number of pay periods remaining in that year. Job Grade and Below Years of Service < Vacation Time 2 weeks 3 weeks + day + day + day + day 4 weeks 5 weeks Vacation Purchase Plan Eligible employees also have the option of purchasing one to five days of additional vacation. Vacation purchase elections may only be made during annual Benefits Open Enrollment for the following calendar year. Job Grade 2 through Job Grade 4, Bands G and T and 50 (no band) Years of Service up to Vacation Time 3 weeks + day + day + day + day 4 weeks 5 weeks Sick Time Full-time employees accrue 2.5 hours of sick time each pay period, up to 56 hours per year. Part-time employees accrue.77 hours each pay period, up to 20 hours of sick time per year. At the end of each calendar year, any unused sick time is forfeited. Job Bands A-F and Grade 50 with Bands P-S Years of Service up to Vacation Time 4 weeks 5 weeks OTHER BENEFITS Education Assistance Fifth Third Bank offers tuition reimbursement to full- and part-time employees, up to $5,250 and $2,500 per calendar year, respectively. Reimbursements are forgiven one year from the completion of the course. Fifth Third Bank also is proud to offer its employees other benefits such as: Discounts on Bank products (checking accounts, loans, credit cards, etc.) Voluntary Products (Long-Term Care, Auto/Home, Pet Insurance and Critical Illness) Employee Assistance Program Educational Gift Match Adoption Reimbursement Employee Discounts with participating merchants If you have any questions or need more information about Fifth Third Bank s employee benefits program, please contact your Fifth Third Bank recruiter or visit and view the Benefits page in the Why Fifth Third Bank section. Part-time employees must work more than 20 hours per week to be eligible for benefits.

6 Fifth Third Bank Member FDIC. Equal Housing Lender Fifth Third Bank is proud to be an affirmative action/equal opportunity employer. M/F/D/V /3

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