Disclosures

Terms of Use

THESE TERMS OF USE GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THIS WEBSITE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by First Financial Bank for the sole purpose of conveying information about First Financial Bank's products and services and to allow communication between First Financial Bank and its customers. Nothing contained in any page on this website takes the place of First Financial Bank's agreements and disclosures that govern its products and services. If any information on the website conflicts with that in First Financial Bank's agreements and disclosures, the agreements and disclosures will control.

Banking Online

This website is an online financial services website offering a variety of content, products and services. First Financial Bank grants to you, for your personal or internal business purposes only, a nonexclusive, limited and revocable right to access and use this website. You agree not to use this website for any other purpose, including commercial purposes, such as co-branding, framing or linking, without First Financial Bank's prior written consent.

You agree not to use this website for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

Fees

General access to this website will be provided to you free of charge. However, you may incur fees if you use or obtain some of the products or services available through this website. To learn more about such fees, please refer to the specific terms and conditions applicable to each product or service.

Equipment

You are responsible for obtaining, installing, maintaining, and operating all computer hardware, software, and internet access services necessary to use or access any aspect of this website. First Financial Bank will not be responsible for any errors or problems that arise from the malfunction or failure of your hardware, software, or any internet access services.

Limitation of Access

We may terminate, suspend or limit your access privileges to this website's Online Banking feature, in whole or in part, in our sole discretion, at any time without prior notice.

Account Information and Password Protection

To prevent unauthorized access to your accounts and to prevent unauthorized use of this website's Online Banking feature, you agree to protect and keep confidential your User ID, PIN, Password, or other means of accessing your accounts to any person not authorized to access your accounts. The loss, theft, or unauthorized use of your User ID, PIN, and Password could cause you to lose some or all of the money in your accounts. If you disclose your User ID, PIN and/or Password to any person(s) or entity, you assume all risks and losses associated with such disclosure. If you permit any other person(s) or entity to use this website's Online Banking feature or to access or use your User ID, PIN, Password, or other means to access your accounts, you are responsible for any transactions and activities authorized from your accounts. If you believe someone may attempt to use or has used this website's Online Banking feature without your permission, or that any other unauthorized use of your User ID, PIN, and Password or security breach has occurred, you agree to immediately notify us by calling (870) 863-7000 during normal customer service hours. Unauthorized account access is prohibited and violators will be prosecuted.

Copyright and Trademark Notices

The images, text, screens, and web pages appearing on First Financial Bank's website and other websites affiliated with us or others, are protected by copyright laws. You agree not to copy, display, distribute, download, license, sub-license, modify, publish, repost, reproduce, reuse, sell, transmit, or otherwise use for public or commercial purposes, the information and materials contained in this website (except as provided in agreement) without our express written permission. Unless otherwise noted, all other trademarks, service marks, and logos used on this website are the trademarks, service marks or logos of First Financial Bank, or others as indicated.

Warranties Disclaimer

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF ONLINE BANKING IS AT YOUR SOLE RISK AND THAT THE SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THIS WEBSITE, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT FIRST FINANCIAL BANK MAKES NO WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, FIRST FINANCIAL BANK DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ONLINE BANKING AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THIS WEBSITE.

Site Links

This website contains links to other third party websites. First Financial Bank is not responsible for, nor does control, the content, products, or services provided by linked sites. First Financial Bank does not endorse or guarantee the products, information or recommendations provided by linked sites, and is not liable for any failure of products or services advertised on those sites. In addition, each third party site may provide less security than First Financial Bank and have a privacy policy different than that of First Financial Bank. Your access, use and reliance upon such content, products or services is at your own risk.

Choice of Law/Successors

These Terms of Use and its enforcement shall be governed by the laws of the State of Arkansas, without regard to any choice of law provision, and shall inure to the benefit of our successors and assigns, whether by merger, consolidation, or otherwise. The account(s) accessed via this website's Online Banking feature shall be governed by laws of the applicable account agreements.

Indemnity

You acknowledge and agree that you are personally responsible for your conduct while using this website and agree to indemnify and hold First Financial Bank and its affiliates and their officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys' fees) that we may incur in connection with a third party claim or otherwise, in relation to your use of this website or your violation of these Terms of Use or the rights of any third party.

Risk of Loss

In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction(s) that you initiated, that were in the process of completing, or that were completed shortly before a system failure or interruption should be verified by you through means other than online to ensure the accuracy and completeness of such transaction(s). You assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s) so affected.

Miscellaneous Terms

Unless otherwise prohibited by law, any communication or material you transmit to us via this website or internet electronic mail is on a non-confidential basis and we may use such communication or material for any purpose consistent with our Privacy Policy, including reproduction, publication, broadcast and posting.

This agreement may be changed from time to time. All users agree to be subject to this agreement as it changes from time to time.