Full Description

Fifth Third Bancorp (the Bancorp) is a diversified financial services company. As of December 31, 2008, the Bancorp operated 18 affiliates with 1,307 full-service banking centers, including 92 Bank Mart locations open seven days a week inside select grocery stores and 2,341 Jeanie automated teller machines (ATMs) in the midwestern and southeastern regions of the United States. The Bancorp operates through five business segments: Commercial Banking, Branch Banking, Consumer Lending, Fifth Third Processing Solutions (FTPS) and Investment Advisors. On June 6, 2008, Fifth Third Bancorp completed the acquisition of First Charter Corporation.

Commercial Banking

Commercial Banking offers banking, cash management and financial services to large and middle-market businesses, government and professional customers. In addition to the traditional lending and depository offerings, Commercial Banking products and services include, among others, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing and syndicated finance.

Branch Banking

Branch Banking provides a range of deposit and loan and lease products to individuals and small businesses through 1,307 full-service banking centers. Branch Banking offers depository and loan products, such as checking and savings accounts, home equity lines of credit, credit cards and loans for automobile and other personal financing needs, as well as products designed to meet the specific needs of small businesses, including cash management services.

Consumer Lending

Consumer Lending includes the Bancorp’s mortgage and home equity lending activities and other indirect lending activities. Mortgage and home equity lending activities include the origination, retention and servicing of mortgage and home equity loans or lines of credit, sales and securitizations of those loans or pools of loans or lines of credit and all associated hedging activities. Other indirect lending activities include loans to consumers through mortgage brokers, automobile dealers and federal and private student education loans.

Processing Solutions

FTPS provides electronic funds transfer, debit, credit and merchant transaction processing. FTPS operates the Jeanie ATM network and provides other data processing services to affiliated and unaffiliated customers.

Investment Advisors

Investment Advisors provides a range of investment alternatives for individuals, companies and not-for-profit organizations. The Bancorp’s primary services include investments, private banking, trust, asset management, retirement plans and custody. Fifth Third Securities, Inc., an indirect wholly owned subsidiary of the Bancorp, offers full-service retail brokerage services to individual clients and broker dealer services to the institutional marketplace. Fifth Third Asset Management, Inc., an indirect wholly owned subsidiary of the Bancorp, provides asset management services and also advises the Bancorp’s family of mutual funds.