FFB | Smart Banking Solutions | First Financial Bank

Smart Banking Solutions Video Series
	Protect Yourself Against Identity Theft Episode 10 - July 2010 Reports about consumers who have had their credit ratings or even their lives wrecked by identity theft are very popular in the news media. While these incidents thankfully are rare, they also are very real.
	Take control of your finances with on-the-go banking Episode 9 - June 2010 From managing a successful career to organizing a hectic family schedule, most people are busier than ever before. As we continue to see signs of a reenergized economy, many of us are looking for ways to balance our busy lives with fast and easy ways to take control of our finances.
	Find mortgage solutions that fit your lifestyle Episode 8 - May 2010 Home sales are picking up in the Midwest and across the country. Whether you are looking to upsize, downsize or buy your first home, making the decision to invest in a home can be an exciting and sometimes overwhelming experience.
	Take Charge of Your Retirement Planning Episode 7 - April With hopes of spending more time with family or a dream of traveling the world, many wonder if they can still make their retirement plans a reality. The financial impact of the recent recession will redefine the way many of us prepare for and build our retirement savings.
	Rebuild Your Savings for the Future Episode 6 - March Many Americans are regaining their footing as they work through challenges presented by the weak economy in the last few years. Periods of unemployment, underperforming investments and unanticipated expenses have contributed to substantially smaller nest eggs for many individuals and families.
	Sensible Holiday Spending Episode 5 - October The holidays are just around the corner and there’s no better time than now to establish your holiday spending plan. Not sure where to start? Take advantage of some of the services your bank has to offer to help make this year’s shopping experience an enjoyable one.
	Simple Ways to Manage Your Money Online Episode 4 - August The Internet has made our lives easier in many ways, including the way we manage our finances. Online banking provides security, convenience, and can even save you money.
<	Smart Credit Solutions Episode 3 - July Smart borrowing can help you accomplish your goals, build your credit history, and is often part of a good financial planning process.
	Smart Ways to Grow Your Savings Episode 2 - June Whether it’s buying a car or a house, planning for a renovation or taking the family on a much-needed vacation, a solid savings plan will help you get there.
	Getting the Most from Your Bank Episode 1 - May President and CEO, Claude E. Davis discusses how you can earn more with all the extras at First Financial Bank.

Smart Credit Solutions

Smart borrowing can help you accomplish your goals, build your credit history, and is often part of a good financial planning process. Whether you’re looking at remodeling or buying a new home, car or other big ticket item now is a good time to borrow. Interest rates are low and safe and secure banks, like First Financial, are still lending to clients.

Borrowing options that make sense
Auto loans. Traditional auto loans are making a comeback. A traditional auto loan is a great way to purchase a new or used vehicle, and it allows you to select the payment terms that fit your budget.

Home Equity Loans. The equity you have in your home can be a powerful tool in managing your financial situation. A home equity loan usually offers convenience, the attraction of lower rates, and often, tax benefits.

First Financial Bank offers an Equity Lock option that provides the best of both worlds. It provides a fixed rate home equity loan and a line of credit all in one; so you can use a portion of the loan as you need it and lock in the remaining balance at a specific rate.

Mortgages. Current interest rates are still low, making this a good time to get a mortgage. First Financial continues to provide many options for clients including FHA, VA, variable and fixed rate loans.

Your personal banker can help
When considering a loan, it’s beneficial to meet with your personal banker and ask the right questions to find out what’s available to you. Your bank will look at your employment history, how you’ve managed your credit in the past and what types of other expenses you currently have in order to determine what you can afford.

As a responsible borrower, there are many things you need to consider before getting a loan, including: making sure your loan payments are sustainable and manageable over time, taking care of all necessities before purchasing luxury items, and making sure it fits in with your family’s overall financial plan.

Contact a First Financial Banker today to get started and evaluate your borrowing options or visit us online to find the best banking center location for you.

1-877-322-9530
www.bankatfirst.com