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Disclaimer

1st Financial Bank

Print Date : 01-13-2016 -

Enrollment of Internet Banking

Review the agreement below and then click on "I Agree" or "I Disagree" at the end of the agreement.

I. Introduction

This Internet Banking Agreement ("Internet Banking Agreement") for accessing your accounts via First Financial Bank explains the terms and conditions governing the following online services: banking, bill pay and other banking services offered through First Financial Bank. By using the Internet Banking Services you agree to abide by the terms and conditions of this Internet Banking Agreement. This Internet Banking Agreement will be governed by and interpreted in accordance with all applicable federal laws and regulations. The following rules will apply to the extent there is no applicable federal law or regulation. The terms "we," "us," "our," and "Bank" refer to First Financial Bank. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and federal banking holidays.

Internet Banking Services can be used to access certain Bank accounts through First Financial Bank. The terms and conditions of the applicable Deposit Account Agreements and Disclosures for each of your Bank accounts (your "Account Disclosure Statement") as well as your other agreements with the Bank, such as those you entered into for loans, continue to apply notwithstanding anything to the contrary in this Internet Banking Agreement.

You are being provided this agreement and disclosure electronically. This agreement provides that in the future you may be provided other disclosures electronically. By agreeing to the terms and conditions of this agreement, you agree to the electronic transmission of this agreement and other information relating to this agreement in the future.

II. Accessing Your Bank Accounts through First Financial Bank internet Banking Requirements

In order to use the Internet Banking Service, you need a computer (in this Agreement, your computer and the related equipment are referred to together as your "Computer") with a web browser (either Firefox 3.0 or higher, Microsoft Internet Explorer 7.0 or higher), an eligible account, an Internet Banking user ID and Password.

You are responsible for installation, maintenance and operation of your Computer, browser and the software. The Bank is not responsible for any errors or faiures from any malfunction of your computer, the browser or the software. The Bank is also not responsible for any Computer virus or related problems that may be associated with the use of an online system.

First Financial Bank's Internet Banking can be used to access only Bank accounts for which you are authorized to access. We undertake no obligation to monitor transactions through the Bank's Internet Banking to determine that they are made on behalf of the account holder.

Electronic Mail (E-mail)

Sending E-mail through First Financial Bank is a secure way to communicate with the Bank. First Financial Bank has provided an E-mail form for you to ask questions about your account(s) or give comments on your banking service. These E-mail forms are accessible after you sign on with your password to a secure session of First Financial Bank. To ensure the security of your account nformation, we recommend that you use only this E-mail form when asking specific questions about your account(s). Internet Banking cannot be used to initiate new accounts. Call (205) 428-8472 for more information.

C. New Services

First Financial Bank may, from time to time, introduce new Internet Banking Services. We shall update this Internet Banking Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Internet Banking Agreement.

D. Benefits of Using First Financial Bank Internet Banking

Through First Financial Bank Internet Banking, you can manage your eligible accounts from your home or office on your personal computer. You can use First Financial Bank Internet Banking to:

III. Terms and Conditions

The first time you access your Bank accounts through First Financial Bank Internet Banking confirms your agreement to be bound by all the terms and conditions of this Internet Banking Agreement and acknowledges your

receipt and understanding of this disclosure.

A. Your Online Password

Your user ID and online Password will give you access to your Bank accounts through First Financial Bank. This password can be changed within First Financial Bank's Internet Banking from the hange Password screen. We recommend that you change your password regularly. We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password and account data confidential.

B. Our Liability

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, the Bank, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser),or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall the service providers or we be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Internet Banking Services, or Internet browser or access software.

INDEMNIFICATION. Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs your Eligible Bank Account, if you are an owner of an Eligible Bank Account you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments, attorney fees, costs, interest, and expenses arising out of or in any way connected with an Eligible Bank Account or the performance of an Internet Banking Service. This indemnification is provided without regard to whether our claim for indemnification is due to the use of the Internet Banking Service by you or your authorized representative.

C. Hours of Accessibility

You can access your Bank accounts through First Financial Bank Internet Banking seven days a week, 24 hours a day. However, at certain times, some or all of First Financial Bank Internet Banking may not be available due to system maintenance. During these times, you may use the touch-tone telephone service, a First Financial Bank ATM or a branch to conduct your transactions.

A funds transfer initiated through First Financial Bank Internet Banking before 6 PM (Eastern Time) on a business day is posted to your account the same day. All transfers completed after 6 PM (Eastern Time) on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.
First Financial Bank business hours are Monday through Friday, 9 AM through 5 PM, except for banking holidays.
"Banking holidays" shall mean all federal banking holidays.

D. Additional Terms and Conditions

an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

IV. General Terms

Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Internet Banking Agreement. When changes are made to any fees, charges, or other material terms we will update this Internet Banking Agreement, and either send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Schedule of Fees.

8. Other General Terms

C. Severability

If any section, sentence, clause or phrase of this Agreement is held to be invalid or unconstitutional by any Court of Competent jurisdiction, then said holding shall in no way affect the validity of the remaining portions of this Agreement.

D. Data Recording

When you access Internet Banking to conduct transactions, the information you enter may be recorded. By using Internet Banking, you consent to such recording.

E. No Signature Required

When using Internet Banking to conduct transactions, you agree that the Financial Institution may debit your account to complete the transactions, or honor debits you have not signed.

F. Disclosure of Account Information

We will disclose information to third parties about your account or transfers you made:

G. Charges

You will not be charged for the "view accounts", or "transfer funds" features of First Financial Bank's Internet Banking. NOTE: Your accounts and loan accounts are still subject to the fees, charges, balance requirements, etc. articulated in the Deposit Agreement and Loan Agreenment.

H. Alterations and Amendments

The terms of this Agreement, applicable fees, and service charges may be altered or amended by First Financial Bank from time to time. In such event, the Bank shall send notice to you either at your address as it appears on First Financial Bank's records or by online notice through Internet Banking. Any continuation of Internet Banking after the Bank sends you a notice of change will constitute your agreement to such changes(s). Further, the Bank may, from time to time, revise or update the Bank's program, services, and/or related material(s) rendering such prior versions obsolete. Consequently, First Financial Bank reserves the right to terminate this Agreement as to all such prior versions of the Bank's programs, services, and/or related material(s) and limit access to First Financial Bank's more recent versions and updates.

Address Changes

J. Termination or Discontinuation

The use of Internet Banking does not require enrollment on your behalf; therefore, termination of Internet Banking by you is done by not accessing or using the Service. However, any transaction or payments you have previously authorized will be completed as instructed. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

K. Payee Limitation

The Bank reserves the right to impose a frequency or dollar limit on or refuse to make any payment you have directed. The Bank is obligated to notify you promptly if it decides to refuse to complete you payment instruction. This notification is not required if you attempt to make payments which are prohibited under this Agreement.

L. Disputes

In the event of a dispute regarding Internet Banking, you and First Financial Bank agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Bank, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Bank relating to the subject matter of this Agreement. If there is a conflict between what one of the Bank's employees says and the terms of this Agreement, the terms of this Agreement have final control.

Assignment

You may not assign this Agreement to any other party. First Financial Bank may assign this Agreement to any present or Future, directly or indirectly, affiliated company. First Financial Bank may also assign or delegate certain of its Rights and responsibilities under this Agreement to independent contractors or other third parties.

N. No Waiver

The Financial Institution shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by First Financial Bank. No delay or omission on the part of the Bank in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

0. Captions

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

P. Governing Law

This Agreement shall be governed by the laws of the jurisdiction in which First Financial Bank is located and by applicable Federal laws and regulations.

Q. Federal Disclosure

You agree to accept this disclosure online rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you.

V. Protecting Your Account

Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call First Financial Bank Customer Service at (205) 428-8472. For more information, see Section B "Unauthorized Transactions in Your Bank Accounts".

Protecting Personal Information - In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Online Password - The password that is used by you to gain access to Internet Banking Services through First Financial Bank should be kept confidential. For your protection we recommend that you change your online password regularly. We recommend that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, change your password at once and notify First Financial Bank Customer Service at once at (205) 428-8472.

Unauthorized Transactions in Your Bank Accounts

Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call Customer Service at (205) 428-8472.

If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your online password without your permission to access a Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.

Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the paper or online statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.

Acceptance

This Internet Banking Agreement ("Personal Account Internet Banking Agreement") for accessing your account via First Financial Bank Internet Banking explains the terms and conditions governing the following online services: banking, bill pay and other banking services offered through First Financial Bank. By using the Internet Banking Services you agree to abide by the terms and conditions of this Internet Banking Agreement.

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© 1st Financial Bank 2016

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