Terms and Conditions and Use of Information Included on this Web Site

Thank you for visiting Bankatfirst.com. First Financial Bancorp and its subsidiaries (collectively, "Bancorp") regularly review and update this Web site (the "Site") in order to provide timely and accurate information to users of the Site. Despite these efforts, it is impossible to completely ensure that the information contained on the Site is correct. The text, graphics and other information published on the Site may include technical inaccuracies or typographical errors. As such, Bancorp does not accept any responsibility or liability for any actions taken as a result of accessing the Site. In addition, Bancorp assumes no responsibility for errors or omissions in the materials on the Site.

Intellectual Property Rights
The materials contained on the Site, including without limitation, text, graphics, charts, photographs, and logos are copyrighted materials owned by Bancorp. Federal Law prohibits the unauthorized copying and reproduction of the materials contained or accessed on the Site. You may download, use, and copy the materials found on Bancorp Web sites for your personal, non-commercial use only, provided that all copies that you make of the material must bear any copyright, trademark or other proprietary notice located on the Site which pertain to the material being copied. Except as authorized in this paragraph, you are not being granted a license under any copyright, trademark, patent or other intellectual property right in the material or the products, services, processes or technology described therein. All such rights are retained by Bancorp, its subsidiaries, and/or any third party owner of such rights. You may not create framed links to Bancorp Web sites without express written permission from Bancorp.
Bancorp names and logos and all related product and service names, design marks and slogans are the trademarks or service marks of Bancorp. You are not authorized to use any Bancorp name or mark in any advertising, publicity or in any other commercial manner without the prior written consent of Bancorp.

How We May Use Information You Provide to Us
Do not send us any confidential or proprietary information. Any feedback, data, answers, questions, comments, suggestions, ideas, or the like which you send to us will be treated as being non-confidential and nonproprietary and you agree that any such information you choose to provide may be reproduced, used, and distributed by us for any purpose without restriction.

Endorsements
All product and service marks contained herein that are not Bancorp marks are the trademarks of their respective owners. References that we make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not necessarily constitute or imply our endorsement, sponsorship, or recommendation of the third party, information, product, or service.

Warranties
While Bancorp has been careful in compiling the information and believes it to be complete and accurate, Bancorp cannot and does not guarantee that it is error free or that it will always be completely current. Accordingly, the visitor understands that the Site is provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
IN NO EVENT SHALL BANCORP BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, USE, OR DATA WHETHER BROUGHT IN CONTRACT OR TORT, ARISING OUT OF OR CONNECTED WITH ANY BANCORP WEB SITE
OR THE USE, RELIANCE UPON OR PERFORMANCE OF ANY MATERIAL CONTAINED IN OR ACCESSED FROM ANY BANCORP WEB SITE.

Privacy Policy
This is how Bancorp will handle information we learn about you from your visit to our Site. The information we receive depends upon what you do when visiting our Site. If you visit our Site to read or download information, we collect and store only the following information about you: the name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account); the date and time you access our Site; and the Internet address of the Web site from which you linked directly to our Site. We use the information we collect to measure the number of visitors to the different sections of our Site, and to help us make our Site more useful to visitors.

You also may decide to send us personally identifying information (name, address, telephone number, facsimile number, email address, social security number), for example, in an electronic mail message. We may use personally identifying information from you to respond to your inquiries or for other internal business purposes, but we do not sell or rent that information to third parties. You should be aware, however, that others may access such information and use it, though any such use would be without our consent. We want to be very clear: We will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information to us.

Information other than personally identifying information provided to Bancorp by you will not be treated as confidential. Do not send or post anything that you deem confidential or proprietary. Any feedback, data, answers, questions, comments, suggestions, ideas, or the like which you send to us may be used by Bancorp or its affiliates for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Bancorp is free to use, without any compensation to you, any ideas, concepts, know-how or techniques contained in any communication you send to the Site for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products and/or services using such information.

Please be advised that Bancorp is unable to promise that any information or materials that you transmit to Bancorp via your electronic mail system or the Site will remain confidential

Cautionary Statement
In addition to historical information, this Site contains certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These statements involve a number of risks and uncertainties. Any forward-looking statements made by Bancorp herein and in future reports and statements are not guarantees of future performance. Actual results may differ materially from those in forward-looking statements as a result of various factors including, but not limited to, those referred to below.

Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to, the ability of Bancorp to implement its strategic plan, the strength of the local economies in which operations are conducted, the effects of and changes in policies and laws of regulatory agencies, inflation, and interest rates. For further discussion of certain factors that may cause such forward-looking statements to differ materially from actual results, refer to Bancorp's most recent Form 10-K and other public documents filed with the SEC. These documents are available on this website and on the SEC's website at www.sec.gov.

Jurisdiction and Complete Agreement
These legal notices are governed by the internal substantive laws of the State of Ohio. You expressly agree that sole and exclusive jurisdiction for any claim involving Bancorp, its officers, directors, employees, agents, licensors, suppliers, contributors and editors, or any related subsidiary, shall be in the appropriate state or federal court located in the State of Ohio.
Bancorp Web sites are operated from a site in the State of Ohio, United States of America. We make no representation that materials found at our sites are appropriate or available for use in other locations. If you access our sites from other locations, you are responsible for compliance with local laws.

Except as expressly provided in a particular legal notice on the Site, these terms and conditions, and any amendments thereof, constitute the entire agreement between you and Bancorp with respect to the use of Bancorp's Web site.

If any provision of these legal notices is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these legal notices, which shall remain in full force and effect. No waiver of any of the legal notices shall be deemed a waiver of any other legal notice.

Thank you for agreeing to the terms of use. If you have any questions regarding the terms of use, please contact our legal department at legal.department@bankatfirst.com