Document:

EX-10.1

 Exhibit 10.1 
 FIFTH THIRD BANCORP 
 UNFUNDED DEFERRED COMPENSATION PLAN 

FOR NON-EMPLOYEE DIRECTORS 
 (as amended and restated effective as of June 1, 2013) 

 FIFTH THIRD BANCORP 

UNFUNDED DEFERRED COMPENSATION PLAN 
 FOR NON-EMPLOYEE DIRECTORS 
 (as amended and restated effective as of
June 1, 2013) 
 ARTICLE I – INTRODUCTION AND SECTION 409A COMPLIANCE 

 

	1.1	Amendment and Restatement. Fifth Third Bancorp most recently amended and restated the Fifth Third Bancorp Unfunded Deferred Compensation Plan for Non-Employee
Directors effective January 1, 2009, by an amendment executed on December 18, 2008. Fifth Third Bancorp hereby again amends and restates the Plan effective June 1, 2013. 

 

	1.2	Transition Rules under Section 409A. In accordance with Paragraph 7.3, the Committee allowed new payment elections under Article VII in 2005 which, for
purposes of, Article VII shall be treated as a Participant’s timely initial election under Paragraph 7.2(a) and not as a change in election under Paragraph 7.2(c). Any such election shall be administered by the Committee in its sole and
absolute discretion and in compliance with Internal Revenue Service Notice 2005-1 and any other applicable legal authority. 

 ARTICLE II – DEFINITIONS 
  

	2.1	“Account” shall mean the account established by a Company as a book reserve to reflect the amounts credited to a Participant under this Plan. A
Participant’s Account under the Plan may include one or more of the following subaccounts: 

  

	 	(a)	Deferred Compensation Account. 

  

	 	(b)	Predecessor Plan Account. 

  

	2.2	“Beneficiary” shall mean the person or persons entitled to receive the distributions, if any, payable under the Plan upon or after a Participant’s
death, to such person or persons as such Participant’s Beneficiary. Each Participant may designate a Beneficiary by filing the proper form with the Committee. A Participant may designate one or more contingent Beneficiaries to receive any
distributions after the death of a prior Beneficiary. A designation shall be effective upon said filing, provided that it is so filed during such Participant’s lifetime, and may be changed from time to time by the Participant. If there is no
designated Beneficiary to receive any amount that becomes payable to a Beneficiary, then the Participant’s Beneficiary shall be the estate of the last to die of the Participant and any properly designated Beneficiaries.

 Effective July 15, 2013, Beneficiary designations may only be made online at the website and in accordance
with procedures established by the Committee. Effective July 15, 2013, any prior Beneficiary designations that were not made online at the website and in 

 
accordance with the procedures established by the Committee on or after July 7, 2013, shall be disregarded and shall be null and void. If a Participant does not complete a Beneficiary
designation on or after July 7, 2013 online at the website and in accordance with the procedures established by the Committee, such Participant shall be treated as if he has not designated any Beneficiary, in which case the Participant’s
estate shall be his Beneficiary. 
  

	2.3	“Claims Review Committee” shall mean the committee established by the Committee for purposes of administering the claims and claim review procedures
under the Plan. 

  

	2.4	“Code” shall mean the Internal Revenue Code of 1986, as amended at the particular time applicable. A reference to a section of the Code shall include
said section and any comparable section or sections of any future legislation that amends, supplements or supersedes said section. 

  

	2.5	“Committee” shall mean The Fifth Third Bank Pension, Profit Sharing and Medical Plan Committee which is responsible for the administration of this Plan
in accordance with the provisions of the Plan as set forth in this document. A reference to the Committee includes its delegate. 

  

	2.6	“Company” shall mean Fifth Third Bancorp and any subsidiary of Fifth Third Bancorp or any successor or assignee of any of them.

  

	2.7	“Compensation” shall mean the amount which is paid in cash or which would otherwise be paid in cash but for a deferral election hereunder, to a
Director for his or her services as a Director or as a member of a Committee of the Board of Directors, including fees for attending meetings. 

  

	2.8	“Deferred Compensation Account” shall mean the account established by a Company as a book reserve to reflect the amounts deferred by a Participant
under Paragraph 4.1, as adjusted by earnings (and losses) under Article VI and as reduced by distributions under Article VII and Article VIII. 

  

	2.9	“Director” shall mean an individual who is not an employee of a Company, and who is either a member of the Board of Directors of Fifth Third Bancorp or
a member of a Fifth Third Bank Charter Board or Affiliate Board. 

  

	2.10	“Effective Date” shall mean June 1, 2013. 

  

	2.11	“Open Enrollment Period” shall mean such period no more than thirty (30) days in length prescribed by the Committee, closing no later than the
last day of the Plan Year immediately preceding the Plan Year for which elections to defer Compensation under Article IV are permitted. 

  
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	2.12	“Participant” shall mean any of the following: 

  

	 	(a)	any Director who satisfies the eligibility requirements of Article III and who receives an allocation to his Deferred Compensation Account under Article IV, as well as
any former Director who has a Deferred Compensation Account under the Plan; or 

  

	 	(b)	any person who has a Predecessor Plan Account attributable to his services as a non-employee member of a board of directors covered by a Predecessor Plan.

  

	2.13	“Plan” shall mean the Fifth Third Bancorp Unfunded Deferred Compensation Plan for Non-Employee Directors, as described in this instrument, and as may
be amended, thereafter. 

  

	2.14	“Plan Year” shall mean the calendar year. 

  

	2.15	“Predecessor Plan” shall mean any other nonqualified deferred compensation plan designated by the Committee. Each Predecessor Plan was completely
amended and restated into this Plan. 

  

	2.16	“Predecessor Plan Account” shall mean an account established by the Company as a book reserve to reflect amounts credited hereunder with respect to a
Predecessor Plan, as adjusted by earnings (and losses) under Article VI and as reduced by distributions under Article VII and Article VIII. A Participant’s Predecessor Plan Account may include one or more of the following subaccounts:

  

	 	(a)	Old Kent Elective. 

  

	 	(b)	Old Kent Mandatory. 

  

	 	(c)	FNB Florida Director. 

  

	 	(d)	First Charter NQDC. 

  

	 	(e)	First Charter Opt Plan. 

  

	 	(f)	Directors Plan B. 

  

	2.17	 “Separation from Service” shall mean the termination of employment with all Companies and ceasing to serve as a Director of all
Companies. Whether a termination of employment and cessation of serving as a Director has occurred shall be determined based on whether the facts and circumstances indicate that the Company and Director reasonably anticipate that no further services
would be performed after a certain date or that the level of bona fide services would permanently decrease to no more than 20 percent of the average level of bona fide services performed over the immediately preceding 36-month period (or the full
period of service if the Director has been a Director of a Company less than 36 months). A Director is not treated as having 

  
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terminated employment or ceasing to serve as a Director while he is on military leave, sick leave or other bona fide leave of absence if the period of such leave does not exceed six months, or if
longer, so long as the individual retains a right to reemployment under an applicable statute or by contract. The determination of whether a Separation of Service has occurred shall be based on applicable regulations and other applicable legal
authority under section 409A of the Code. 

 ARTICLE III – ELIGIBILITY AND PARTICIPATION 

 

	3.1	Each individual who is a Director on the first day of an Open Enrollment Period may elect to defer Compensation for services performed during the ensuing Plan Year to
which the Open Enrollment Period relates, in accordance with Article IV. 

 An individual who is not a Director on
the first day of an Open Enrollment Period but who later becomes a Director shall not be eligible to elect to defer Compensation until the first day of the next Open Enrollment Period with respect to which he is still a Director (for the Plan Year
to which such next Open Enrollment Period relates). 
 ARTICLE IV – ELECTION TO DEFER COMPENSATION 

 

	4.1	Each Director eligible under Article III may elect to have fifty percent (50%) or more of his Compensation for services performed during a Plan Year deferred and
credited with earnings in accordance with the terms and conditions of the Plan. 

  

	4.2	An eligible Director desiring to exercise an election under Paragraph 4.1 for a Plan Year shall notify the Committee each Plan Year of his deferral election during the
Open Enrollment Period established by the Committee for such Plan Year. Such notice must be binding and must be in accordance with the procedures established by the Committee during the Open Enrollment Period. 

 

	4.3	A deferral election shall be effective for the entire Plan Year (but not for any future Plan Year) to which it relates and may not be modified or terminated for that
Plan Year. 

  

	4.4	The Compensation otherwise payable to the Participant during the Plan Year shall be reduced by the amount of the Participant’s election under Paragraph 4.1. Such
amounts shall be credited to the Participant’s Deferred Compensation Account at the time his Compensation is so reduced. 

 ARTICLE V – PARTICIPANT’S INTEREST 
  

	5.1	 Unsecured Creditor. No Participant or his designated Beneficiary shall acquire any property interest in his Account or any other assets of any
Company, their rights being limited to receiving from the Company deferred payments as set forth in this Plan and these rights are conditioned upon continued compliance with the terms and conditions of this Plan. To the extent that any Participant
or Beneficiary acquires a right to receive 

  
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benefits under this Plan, such right shall be no greater than the right of any unsecured general creditor of the Company. 

ARTICLE VI – CREDITING OF EARNINGS 
  

	6.1	General. There shall be credited to the Account of each Participant an additional amount of earnings (or losses) determined under this Article VI.

  

	6.2	Investment Elections. Each Participant shall elect to have earnings (or losses) credited to his Account from among various investment benchmarks the Committee
determines to establish for this purpose. One of such investment benchmarks shall be the Fifth Third Stock Fund. 

Such an election shall be made in such manner as the Committee shall direct. 

The Committee may prescribe rules including rules which limit the frequency of changes to elections, prescribe times for making elections,
regulate the amount or increment a Participant may allocate to a particular investment benchmark, require or allow an election (or election change) to relate only to future allocations, require an election to apply consistently to all subaccounts
and provide for the investment of an Account of a Participant who fails to make an election. 
  

	6.3	Rate of Return Benchmarks. The Committee shall determine the rate of return for the Fifth Third Stock Fund, as well as each of the other investment benchmarks
selected by the Committee under Paragraph 6.2 above. 

  

	6.4	Crediting. The Participant’s Account shall be increased or decreased as if it had earned the rate of return corresponding to the Participant’s
investment election. The time and method of such crediting and the recordkeeping methodologies used shall be determined in the sole and absolute discretion of the Committee. 

 

	6.5	2013 Transition Rules. After May 31, 2013, the Treasury Bill investment election previously available under the Plan shall no longer be available. Amounts
that were subject to that investment election as of May 31, 2013, shall thereafter be subject to the money market investment election (the money market fund shall be one of the investment benchmarks the Committee shall make available under
Paragraph 6.2), unless and until the Participant elects different investment benchmarks available as provided in Paragraph 6.2. 

 ARTICLE VII – PLAN BENEFITS 
  

	7.1	 Distributions. In accordance with the election procedures in Paragraph 7.2, a Participant may elect to have the amounts represented by the
Participant’s Account paid (or commence to be paid) as of the first business day of August of the Plan Year immediately following the Plan Year in which the Participant ceases to be a Director and has a Separation from Service, or the first
business day of August of any subsequent year, but 

  
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not later than the first business day of August of the tenth Plan Year following the Plan Year in which the Participant ceases to be a Director and has a Separation from Service. In accordance
with the election procedures in Paragraph 7.2, a Participant may elect to have such amounts paid in one of the following forms: 

  

	 	(a)	single lump sum cash distribution; or 

  

	 	(b)	annual cash installments, the last payment of which is no later than the first business day of August of the tenth Plan Year following the Plan Year in which the
Participant ceases to be a Director and has a Separation from Service. 

 If installment payments are in effect,
the Participant’s Account shall continue to be credited with earnings (or losses) under Article VI until fully paid. 
 Notwithstanding the foregoing or Paragraph 7.3 (a) or (b), in the event the Participant’s Account does not exceed $25,000 as of any December 31st after the Participant has ceased to be a Director and has a
Separation from Service, then any payment election by a Participant shall be disregarded. In such a case, the Account (or remaining balance thereof) shall be paid in a single lump sum cash distribution as of the first business day of August
following such December 31st (even if the payment
would exceed $25,000 at that time). 
  

	7.2	Election Procedures. 

  

	 	(a)	A Participant who wishes to make an initial election referred to in Paragraph 7.1 must do so within the first Open Enrollment Period applicable to him under Article
III. 

 Any such election shall be effective immediately. 

As provided in Paragraph 1.2, a payment election in 2005 under Internal Revenue Service Notice 2005-1 shall be considered a timely initial
election. 
  

	 	(b)	If a Participant does not make a timely initial election concerning the commencement date and payment schedule of benefits under Paragraph 7.2(a), then, except as
provided in (c) below, payment shall be made as of the first business day of August of the Plan Year immediately following the Plan Year in which he cases to be a Director and has a Separation from Service, in a single lump sum cash
distribution. 

  

	 	(c)	 A Participant may make or change an election after the deadline established in (a) above at any time in order to defer payment for a period of not
less than five years from the date payment would otherwise begin (but not to accelerate any payment). Payment shall be made in accordance with any such election only if the Participant ceases to be a Director and has a Separation from Service at
least one year following the date of the election. Otherwise, the payment shall be made 

  
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in accordance with the election (if any) in effect immediately prior to the changed election, or in accordance with (b) above if no such election is in effect. 

 

	 	(d)	Elections shall be made in accordance with the rules and procedures established by the Committee. 

 

	7.3	Transition Rules. 

  

	 	(a)	 Terminated Participants Not in Pay Status. A Participant who ceased being a Director in 2005 or earlier, but who, as of a date in 2005
determined by the Committee, had not received or commenced receiving payments of his Account, shall be subject to the payment provisions of Paragraph 7.1, and any prior payment elections shall be of no force or effect. As provided in Paragraph 1.2,
such a Participant had the opportunity to complete a new election by a date in 2005 determined by the Committee. Such a Participant who did not properly complete and return such an election by such date received a single lump sum distribution of his
entire Account as of August 1, 2006. Notwithstanding the foregoing, if such a Participant’s Account as of a date in 2005 determined by the Committee was not greater than $10,000, then he received a single lump sum distribution of his
entire Account in 2005. In the event the Participant’s Account does not exceed $25,000 as of any
December 31st, then any payment election shall be
disregarded. In such a case, the Account (or remaining balance thereof) shall be paid in a single lump sum distribution as of the first business day of August following such December 31st (even if such Account exceeds $25,000 at that time). 

 

	 	(b)	Directors in 2005. A Participant who was a Director as of a date in 2005 determined by the Committee shall be subject to the payment provisions of Paragraph 7.1
and any elections prior to that date shall be of no force or effect. As provided in Paragraph 1.2, such a Participant had the opportunity to complete a new election by a date in 2005 determined by the Committee. Any such election shall be treated as
an initial election under Paragraph 7.2(a). Such a Participant who did not make a timely election shall be treated the same as provided for in Paragraph 7.2(b) and 7.2(c) for Participants who do not make timely initial elections.

  

	7.4	Facility of Payment. A payment required to be made hereunder on or as of a specified date may be made in a reasonable period after such date for administrative
convenience, provided the payment is made in the same taxable year as the specified date. 

 ARTICLE VIII –
DEATH 
  

	8.1	 If a Participant dies before commencing payment of the amounts represented by the Participant’s Account, then the Participant’s Account,
shall be paid to the Participant’s Beneficiary in a single lump sum cash distribution as soon as reasonably possible after the Committee is notified of the Participant’s death and in all events not more than ninety

  
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(90) days following the Participant’s death. If the Participant has already commenced receiving the amounts represented by the Participant’s Account in the installment payment form, the
installment payments shall continue to be paid to the Participant’s Beneficiary in cash. 

 ARTICLE IX
– NON-ASSIGNABLE/NON-ATTACHMENT 
  

	9.1	Except as required by law, no right of the Participant or designated Beneficiary to receive payments under this Plan shall be subject to anticipation, commutation,
alienation, sale, assignment, encumbrance, charge, pledge, or hypothecation or to execution, attachment, levy or similar process or assignment by operation of law and any attempt, voluntary or involuntary, to effect any such action shall be null and
void and of no effect. 

 ARTICLE X – ADMINISTRATION 

 

	10.1	Administration. In addition to the powers which are expressly provided in the Plan, the Committee shall have the power and authority in its sole, absolute and
uncontrolled discretion to control and manage the operation and administration of the Plan and shall have all powers necessary to accomplish these purposes including, but not limited to the following: 

 

	 	(a)	the power to determine who is a Participant; 

  

	 	(b)	the power to determine allocations, balances, and nonforfeitable percentages with respect to Participant’s Accounts; 

 

	 	(c)	the power to determine when, to whom, in what amount, and in what form distributions are to be made; and 

 

	 	(d)	such powers as are necessary, appropriate or desirable to enable it to perform its responsibilities, including the power to interpret the Plan, establish rules,
regulations and forms with respect thereto. 

 Benefits under this Plan will be paid only if the Committee decides
in its discretion that the applicant is entitled to them. 
  

	10.2	409 A of the Code. This Plan is intended to satisfy the applicable requirements of section 409 A of the Code and shall be interpreted accordingly.

 ARTICLE XI – CONSOLIDATION OR MERGER 

 

	11.1	 In the event that Fifth Third Bancorp or any entity (resulting from any merger or consolidation or which shall be a purchaser or transferee so referred
to), shall at any time be merged or consolidated into or with any other entity or entities, or in the event that substantially all of the assets of Fifth Third Bancorp or any such entity shall be sold or otherwise transferred to another entity, the
provisions of this Plan shall be binding upon 

  
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and shall inure to the benefit of the continuing entity or the entity resulting from such merger or consolidation or the entity to which such assets shall be sold or transferred. Except as
provided in the preceding sentence, this Plan shall not be assignable by Fifth Third Bancorp or by any entity referred to in such preceding sentence. 

 ARTICLE XII – AMENDMENT OR TERMINATION 
  

	12.1	Amendment. Fifth Third Bancorp reserves the right to amend the Plan. Any amendment of the Plan shall be by action of the Committee or by the Chairman of the
Committee. If an amendment is being made by said Committee, it must be approved by a majority of the members of the Committee as constituted at the time of adoption of the amendment. Any amendment may be given retroactive effect as determined by
said Committee or Chairman. Any amendment may, without limitation, (a) affect a Participant whether or not currently serving as a Director or in pay status, and (b) affect or modify Participant elections and payment methods. An amendment
may be evidenced in such manner as said Committee or Chairman shall determine. If the amendment is approved by said Committee, such evidence may include (but shall not be limited to) a written resolution signed by a majority of the members of the
Committee or minutes of a meeting of the Committee reflecting approval by a majority of the members. 

  

	12.2	Termination. Fifth Third Bancorp reserves the right to terminate the Plan. Any termination of the Plan shall be by action of the Committee. Any termination must
be approved by a majority of the members of said Committee as constituted at the time of adoption of the termination; and any such termination may be given retroactive effect as determined by said Committee. Any termination may, without limitation,
(a) affect a Participant whether or not currently serving as a Director or in pay status, and (b) affect or modify Participant elections and payment methods. A termination may be evidenced in such manner as said Committee shall determine,
and such evidence may include (but shall not be limited to) a written resolution signed by a majority of the members of the Committee or minutes of a meeting of the Committee reflecting approval by a majority of the members.

 ARTICLE XIII – CLAIMS 

 

	13.1	Initial Claims Procedure. 

  

	 	(a)	Claim. In order to present a complaint regarding the nonpayment of a Plan benefit or a portion thereof (a “Claim”), a Participant or Beneficiary under
the Plan (a “Claimant”) or his duly authorized representative must file such Claim by mailing or delivering a writing stating such Claim to the department, officer, or employee responsible for employee benefit matters of the Company. Upon
such receipt of a Claim, the Claims Review Committee shall furnish to the Claimant a written acknowledgment which shall inform such Claimant of the time limit set forth in (b)(i) below and of the effect, pursuant to (b)(iii) below, of failure to
decide the Claim within such time limit. 

  
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	 	(b)	Initial Decision. 

  

	 	(i)	Time Limit. The Claims Review Committee shall decide upon a Claim within a reasonable period of time after receipt of such Claim; provided, however, that such
period shall in no event exceed 90 days, unless special circumstances require an extension of time for processing. If such an extension of time for processing is required, then the Claimant shall, prior to the termination of the initial 90-day
period, be furnished a written notice indicating such special circumstances and the date by which the Claims Review Committee expects to render a decision. In no event shall an extension exceed a period of 90 days from the end of the initial period.

  

	 	(ii)	Notice of Denial. If the Claim is wholly or partially denied, then the Claims Review Committee shall furnish to the Claimant, within the time limit applicable
under (i) above, a written notice setting forth in a manner calculated to be understood by the Claimant: 

  

	 	(A)	the specific reason or reasons for such denial; 

  

	 	(B)	specific reference to the pertinent Plan provisions on which such denial is based; 

 

	 	(C)	a description of any additional material or information necessary for such Claimant to perfect his Claim and an explanation of why such material or information is
necessary; and 

  

	 	(D)	appropriate information as to the steps to be taken if such Claimant wishes to submit his Claim for review pursuant to Paragraph 13.2, including notice of the time
limits set forth in subsection 13.2(b)(ii). 

  

	 	(iii)	Deemed Denial for Purposes of Review. If a Claim is not granted and if, despite the provisions of (i) and (ii) above, notice of the denial of a Claim
is not furnished within the time limit applicable under (i) above, then the Claimant may deem such Claim denied and may request a review of such deemed denial pursuant to the provisions of Paragraph 13.2. 

 

	13.2	Claim Review Procedure. 

  

	 	(a)	Claimant’s Rights. If a Claim is wholly or partially denied under Paragraph 13.1, then the Claimant or his duly authorized representative shall have the
following rights: 

  

	 	(i)	to obtain, subject to (b) below, a full and fair review by the Claims Review Committee; 

  
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	 	(ii)	to review pertinent documents; and 

  

	 	(iii)	to submit issues and comments in writing. 

  

	 	(b)	Request for Review. 

  

	 	(i)	Filing. To obtain a review pursuant to (a) above, a Claimant entitled to such a review or his duly authorized representative shall, subject to
(ii) below, mail or deliver a written request for such a review (a “Request for Review”) to the department, officer, or employee responsible for employee benefit matters of the Company. 

 

	 	(ii)	Time Limits for Requesting a Review. A Request for Review must be mailed or delivered within 60 days after receipt by the Claimant of written notice of the
denial of the Claim. 

  

	 	(iii)	Acknowledgment. Upon such receipt of a Request for Review, the Claims Review Committee shall furnish to the Claimant a written acknowledgment which shall inform
such Claimant of the time limit set forth in (c)(i) below and of the effect, pursuant to (c)(iii) below, of failure to furnish a decision on review within such time limit. 

 

	 	(c)	Decision on Review. 

  

	 	(i)	Time Limit. 

  

	 	(A)	General. If, pursuant to (b) above, a review is requested, then, except as otherwise provided in (B) below, the Claims Review Committee or its delegate
(but only if such delegate has been given the authority to make a final decision on the Claim) shall make a decision promptly and no later than 60 days after receipt of the Request for Review; except that, if special circumstances require an
extension of time for processing, then the decision shall be made as soon as possible but not later than 120 days after receipt of the Request for Review. The Claims Review Committee must furnish the Claimant written notice of any extension prior to
its commencement. 

  

	 	(B)	 Regularly Scheduled Meetings. Anything to the contrary in (A) above notwithstanding, if the Claims Review Committee holds regularly
scheduled meetings at least quarterly, then its decision on review shall be made no later than the date of the meeting which immediately follows the receipt of the Request for Review; provided, however, if such Request for Review is received within
30 days preceding the date of such meeting, then such decision on review shall be made no later than the date of the second meeting which follows such receipt; and provided further that, if special

  
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circumstances require a further extension of time for processing, and if the Claimant is furnished written notice of such extension prior to its commencement, then such decision on review shall
be rendered no later than the third meeting which follows such receipt. 

  

	 	(ii)	Notice of Decision. The Claims Review Committee or its delegate shall furnish to the Claimant, within the time limit applicable under (i) above, a written
notice setting forth in a manner calculated to be understood by the Claimant: 

  

	 	(A)	the specific reason or reasons for the decision on review; 

  

	 	(B)	specific reference to the pertinent Plan provisions on which the decision on review is based; and 

 

	 	(C)	a statement that the Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information
relevant to the Claimant’s claim for benefits. 

  

	 	(iii)	Deemed Denial. If, despite the provisions of (i) and (ii) above, the decision on review is not furnished within the time limit applicable under
(i) above, then the Claimant shall be deemed to have exhausted his remedies under the Plan and he may deem the Claim to have been denied on review. 

 The Claims Review Committee shall have the sole, absolute and uncontrolled discretion to decide all claims under the initial claims procedure and under the claims review procedure, and its decisions shall
be binding on all parties. 
  

	13.3	Required Exhaustion of Administrative Remedies. Before a Participant may file a lawsuit regarding the Plan or benefits under the Plan, the Participant must first
use the Initial Claims Procedure and the Claim Review Procedure (including the requirement of a timely request for review) described above. 

 ARTICLE XIV – MISCELLANEOUS 
  

	14.1	No Enlargement of Employment Rights. Neither this Plan, nor any action of Fifth Third Bancorp, a Company or the Committee, nor any election to defer Compensation
hereunder shall be held or construed to confer on any person any legal right to be continued as a Director of Fifth Third Bancorp, or any Company. 

  

	14.2	 Withholdings. Fifth Third Bancorp shall have the right to deduct from a Participant’s Account and/or any payments due a Participant or
Beneficiary under the Plan any and all 

  
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taxes determined by the Committee to be applicable with respect to such benefits. In the discretion of the Committee, Fifth Third Bancorp may accept payment by the Participant (or Beneficiary) of
the amount of any applicable taxes in lieu of deducting such amount from the Participant’s Account or payments due under the Plan. 

  

	14.3	Entire Agreement. This Plan document constitutes the entire agreement between the Company and any Participant (or Beneficiary), and supersedes all other prior
agreements, undertakings, both written and oral, with respect to the subject matter hereof. This Plan document may not be amended orally or by any course or purported course of dealing, but only by an amendment in accordance with Paragraph 12.1
specifically identified within its text as a Plan amendment. Written communications and descriptions not specifically identified within their text as amendments, shall not constitute amendments and shall have no interpretive or controlling effect on
the interpretation of this Plan. Oral communications shall not constitute amendments and shall have no interpretation or controlling effect on the interpretation of this Plan. 

 

	14.4	No Guarantee of Tax Consequences. The Participant (or Beneficiary) shall be responsible for all taxes with respect to his benefit hereunder. Neither Fifth Third
Bancorp nor any Company guarantees any particular tax consequences. This includes, without limitation, any taxes, interest or penalties imposed by, or with respect to, section 409A of the Code. 

 

	14.5	Governing Law. The provisions of the Plan shall be governed and construed in accordance with the laws of the State of Ohio, except its conflict of law rules.

 IN WITNESS WHEREOF, Fifth Third Bancorp has caused this Plan to be executed this 2nd day of July, 2013. 

 

			
	FIFTH THIRD BANCORP
		
	By:	 	/s/ Teresa J. Tanner
		 	Teresa Tanner, Chairman of The Fifth Third Bank Pension, Profit Sharing and Medical Plan Committee

  
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 Exhibit 10.2 

 
 

 
 Stock Appreciation Right Award Agreement 

[Participant Name] 
 It is my
pleasure to inform you that you are hereby granted an award of stock appreciation rights (“SARs”) subject to the terms and conditions of this Award and the terms of the Fifth Third Bancorp 2011 Incentive Compensation Plan (the
“Plan”), approved by shareholders in 2011: 
  

			
	Date of Grant	  	[Grant Date]
	Total Number of SARs Granted	  	[Number of Shares Granted]
	Grant Date Price Per Share of Stock	  	[Grant Price]
	Expiration Date	  	[Expiration Date]

 These stock appreciation rights will vest and become exercisable in four equal annual installments on the
first, second, third, and fourth anniversaries of the grant date, so long as the adjusted return on tangible common equity (ROTCE) performance threshold for Fifth Third Bancorp as determined by the Human Capital and Compensation Committee for the
fiscal year ended immediately prior to such anniversary date meets or exceeds 2%. If the ROTCE for the fiscal year ended immediately prior to an anniversary date is less than 2%, then the annual installment of the award that otherwise was supposed
to vest on that anniversary date will not vest and will be forfeited. 
 Upon exercise, you will be entitled to a payment in the
form of shares of stock with a fair market value equal to the fair market value of a share of stock at the date of exercise in excess of the grant date price per share of stock, multiplied by the number of SARs exercised. 

In order to be eligible for the retirement provisions of this award as described in Section 12.4 of the Plan, you must be at least
60 years of age and have completed 10 or more years of service with the Company at the time of your retirement. 
 Any bonus,
commission, or other compensation, including but not limited to payments made to you under the Fifth Third Bancorp 2011 Incentive Compensation Plan received is subject to recovery, or “clawback” by the Company for a period of 3 years (or
such longer period as may be required by law) if the payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria, or as otherwise required by law. In addition, all executive
compensation plans are automatically amended as necessary to comply with the requirements and/or limitations under the American Recovery and Reinvestment Act, or any other laws, rules, regulations, or regulatory agreements up to and including a
revocation of this award. 
 If you accept the terms of this Award, you will be deemed to have consented to all of the terms and
conditions of this Award and of the Plan, except as modified hereby, including the terms of the Confidential Information and Non-Solicitation Agreement located on the following pages. In the event of any conflict between the terms of this Award and
the Plan, the terms of this Award shall control. 
 This Award will expire by its own terms unless accepted within 60 days.

  

					
	For Fifth Third Bancorp:	 		 	
			
	/s/ Kevin T. Kabat	 		 	[Grant Date]
	Kevin T. Kabat	 		 	
	Vice Chairman & CEO	 		 	
			
	[Acceptance Date]	 		 	

 CONFIDENTIAL INFORMATION AND NON-SOLICITATION AGREEMENT 

This Confidential Information and Non-Solicitation Agreement (“Agreement”) is made by and between Fifth Third Bancorp (which
includes its subsidiaries and/or affiliated entities, hereinafter collectively referred to as “the Company”) and the undersigned Employee. 
 RECITALS 
 A. The Company is a diversified financial services company that
operates four main businesses - Commercial Banking, Branch Banking, Consumer Lending, and Investment Advisors. 
 B. The Company
has informed Employee that the execution of this Agreement, being in the best interests of the Company, is a condition of employment of the Employee or, in the case of an existing employee, to the continued employment of the Employee by the Company.

 NOW, THEREFORE, in consideration of the Recitals and the mutual covenants contained herein, it is mutually agreed as follows:

 AGREEMENT 

SECTION 1. COVENANT NOT TO USE CONFIDENTIAL INFORMATION 
 A. As a necessary function of Employee’s employment with the Company, Employee will have access to, use, receive, and otherwise acquire various kinds of customer, business, and technical information
relating to the Company’s business that is of a confidential nature to the Company, whether or not such information is specifically labeled as “confidential. Employee agrees that such confidential information includes, for example, the
following: 
 Current, prospective and former customer names and information, including but not limited to contact, financial and
account information; product information; compensation plans and arrangements, including incentive compensation plans; performance specifications; pricing, profit margin, and other financial information; product specifications; vendor information;
Company training, reference and/or educational materials; Company forecasts/plans/pipelines; objectives and strategies; quality control and/or compliance standards; business referrals, suppliers, and customer lists; unpublished works of any nature
whether or not copyrightable; business plans; Company research and/or development materials relating to the Company’s business; information contained in pending patent applications; inventions, technical improvements, and ideas; and all other
information and knowledge in whatever form used or useful in management, marketing, purchasing, finance, or operations of the Company’s business and any compilation of such information and all other similar information used by the Company that
is not available to those outside of the Company (hereinafter collectively referred to as “Confidential Information”) 
 B. Employee
also understands that he or she will occupy a position of confidence and trust with respect to the Company’s Confidential Information during his or her employment. Employee acknowledges and agrees that such Confidential Information is not
generally known outside of the Company, that the Company has taken measures to guard the secrecy of its Confidential Information, that such information is extremely valuable and an essential asset of the Company’s business, and that such
information, if disclosed without authorization to a third party or used by Employee for purposes other than conducting the Company business would cause irreparable harm to the Company and/or its customers. 

C. Employee further agrees that, during Employee’s employment with the Company and following his or her termination for whatever reason, Employee
will not disclose or use, directly or indirectly, or authorize or permit anyone under his or her direction to disclose to anyone, any Confidential Information of the Company that he or she obtains during the course of his or her employment relating
to or otherwise concerning the business of the Company, whether or not acquired, originated, or developed in whole or in part by Employee. 
 D.
The obligations set forth herein shall not apply to any trade secrets or Confidential Information that has become generally known to competitors of the Company through no act or omission of Employee, nor shall the obligations set forth herein apply
to disclosures made pursuant to the Sarbanes-Oxley Act of 2002. However, Employee agrees that after termination of employment he or she will not compile pieces of information from several sources and assemble them together in any manner in an
attempt to circumvent a violation of his or her confidentiality obligations to the Company or attempt to demonstrate thereby that any of the Confidential Information is in the public domain. 
 SECTION II. COVENANT PROHIBITING COMPETITION AND SOLICITATION OF CUSTOMERS 

Confidential Information of the Company gained by Employee during employment is developed by the Company through substantial expenditures
of time, effort, and financial resources, and constitutes valuable and unique property of the Company. Employee acknowledges, understands, and agrees that the foregoing makes it necessary for the protection of the Company’s business that
Employee does not divert business of the Company’s customers from the Company and that he or she maintain the confidentiality and integrity of Confidential Information. Therefore, Employee agrees that during his or her employment and for a
period of one (1) year thereafter he or she will not: 
 (a) Enter into an ownership, consulting or employment arrangement
with, or render services for, any individual or entity rendering services or handling products competitive with the Company in any geographic region or territory in which I worked or for which I had responsibility during the twenty-four
(24) month period preceding my departure from the Company; 
 (b) Directly or indirectly solicit, divert, entice or take
away any customers, business or prospective business with whom he or she had contact, involvement or responsibility during his or her employment with the Company, or attempt to do so for the sale of any product or service that competes with a
product or service offered by the Company; 
 (c) Directly or indirectly solicit, divert, entice or take away any potential
customer identified, selected or targeted by the Company with whom he or she had contact, involvement or responsibility during his or her employment with the Company, or attempt to do so for the sale of any product or service that competes with a
product or service offered by the Company; or 
 (c) Accept or provide assistance in the accepting of (including, but not
limited to, providing any service, information or assistance or other facilitation or other involvement) business or orders from customers or any potential customers of the Company with whom he or she has had contact, involvement, or responsibility
on behalf of any third party or otherwise for his or her own benefit. 
 Nothing contained in this Section shall preclude
Employee from accepting employment with or creating his or her own company, firm, or business that competes with the Company so long as his or her activities do not violate any of the terms of this Agreement. 

 SECTION III. COVENANT NOT TO SOLICIT EMPLOYEES 

Employee agrees that during his or her employment with the Company and for a period of one (1) year thereafter he or she will not
directly or indirectly solicit, induce, confer or discuss with any employee of the Company or attempt to solicit, induce, confer or discuss with any employee of the Company the prospect of leaving the employ of the Company or the subject of
employment by some other person or organization. Employee further agrees that during his or her employment with the Company and for a period of one (1) year thereafter he or she will not directly or indirectly hire or attempt to hire any
employee of the Company. 
 SECTION IV. EMPLOYEE WARRANTIES 
 Employee represents and warrants that his or her employment with the Company and the performance of this Agreement will not violate any express or implied obligation to any former employer or other party.
Employee further represents that he or she has not brought with him or her and will not use or disclose during his or her employment with the Company any information, documents, or materials subject to any legally enforceable restrictions or
obligations as to confidentiality or secrecy. Furthermore, Employee shall not make any agreements with or commitments to any person, firm, or corporation that would prevent, restrict, or hinder the performance of Employee’s duties and
obligations under this Agreement. In addition, Employee agrees that he or she shall share a copy of this Agreement with any subsequent employer in order to ensure that there is no violation hereof, and Employee consents to the Company sharing a copy
of this Agreement with any such employer. 
 SECTION V. OTHER PROVISIONS 
 A. Extension In The Event Of Breach: Any breach by Employee of any of the restrictions contained in Sections II -IV of this Agreement shall extend the term of this Agreement by the period of the
breach. The commitments made in this Agreement will survive termination of employment with the Company. 
 B. Governing Law: This
Agreement and all the rights, duties and remedies of the parties hereunder shall be governed by the laws of the state in which is located the office of the Company at which Employee is based. The Company shall have the right to specifically enforce
the covenants contained in this Agreement, in addition to any other legal, equitable (including specifically, but not limited to temporary restraining orders or preliminary or permanent injunctive relief) or other remedies as may be available to the
Company for my breach of any such covenants. 
 C. Severability: If any provision of this Agreement is declared invalid or unenforceable,
such provision shall be deemed modified to the extent necessary and possible to render it valid and enforceable. 
 D.
Waiver/Modification: No waiver or modification of this Agreement will be valid unless in writing and duly executed by the party against whom enforcement is sought. Failure of the Company to enforce any provision of this Agreement shall not be
construed as a waiver of such provision or of the right of the Company thereafter to enforce each and every provision. 
 E. At-Will Nature
Of Employment: I understand that nothing in this Agreement requires me to continue employment with the Company for any particular length of time or requires that the Company continue to employ me for any particular length of time. 

F. Successors/Assigns: The terms and provisions of this Agreement shall be binding on and inure to the benefit of the successors and assigns of
the Company (including but not limited to any corporate successor of The Company) and Employee’s heirs, executors and personal representatives. As part of this provision, Employee understands and agrees that should Employee become employed by
another entity owned or otherwise affiliated with Fifth Third Bancorp (such as its subsidiaries, divisions or unincorporated affiliates), the obligations of this Agreement follow Employee to such other entity automatically and without further
action, and that entity becomes the “Company” within the meaning of this Agreement. 
 G. Obligation To Comply With Other Laws:
The duties Employee owes the Company under this Agreement shall be deemed to include federal, state and common law obligations of employees to their employers. This Agreement is intended, amongst other things, to supplement the provisions of state
trade secret law and duties Employee owes the Company under common law, including but not limited to the duty of loyalty, and does not in any way supersede any of the obligations or duties Employee otherwise owe the Company. 

H. Obligation To Comply With Other Agreements: This Agreement is in addition to and not in lieu of other non-solicitation, non-disclosure, and
non-competition obligations Employee may owe to the Company. 
 I. Attorney’s Fees: If the Company must enforce any of its rights
under this Agreement through legal proceedings, Employee agrees to reimburse the Company for all reasonable costs, expenses, and attorney’s fees incurred by it in connection with the enforcement of its rights. 

J. Injunctive Relief: Employee acknowledges that should Employee violate any of the provisions of this Agreement, the Company will suffer
irreparable harm and not have adequate an adequate remedy at law. Accordingly, Employee agrees that the Company may seek injunctive relief to restrain any such violation, as well as equitable relief, in a court of competent jurisdiction. 

K. Counterparts: This Agreement may be signed in counterparts. 
 THE PARTIES HERETO ACKNOWLEDGE THAT THEY HAVE READ THIS AGREEMENT, UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS. They further acknowledge that they have exercised due diligence in reviewing this
Agreement, and that each has had adequate opportunity to consult with legal counsel or other advisors to the extent that each deemed such consultation necessary.

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