The two suits can be divided either 4 and 1 or 3 and 2. Let’s look at the 4/1 split first. There are 4 suits to choose from for the one with 4 cards, and 3 left for the one with 1 card. There are combin(13,4)=715 ways to choose 4 ranks out of 13. There are 13 ways to choose a single rank. So there are 4×3×715×13=111,540 ways to have a 4/1 split between the two suits. By similar logic there are 4×3×combin(13,3)×combin(13,2)=267,696 ways to have a 3/2 split. So the overall probability is (111540+267696)/combin(52,5) = 14.59%.