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CODE OF CONDUCT

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Fellow Associates, At First Financial, nothing is more important to our mission
and our business than the trust our clients put in us. Integrity is the
cornerstone of our culture, and all of us share a personal responsibility to
exemplify our principles of uncompromising ethics, respect, responsibility, and
good citizenship. We will succeed by putting values first. We must rely on your
sense of personal integrity to protect and enhance our reputation and ask that
you seek appropriate guidance whenever necessary. Basing your decisions on our
Company values will also lead you to do the right thing, especially in those
circumstances where you cannot seek guidance or confirmation. Harm to our
reputation affects the entire Company and is enduring. Any actual or perceived
ethical transgression, no matter how isolated or minor, can substantially damage
our reputation. Doing the right thing is key to our success! We expect each of
you to understand and comply with this Code of Conduct, and all other policies
that apply to you, both in letter and in spirit. Please take the time to review
this Code of Conduct and other elements of the values first Program. These tools
are designed to help you put values first. Sincerely, Claude E. Davis President
and CEO

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Mission Statements Our Mission We will exceed our clients’ expectations and
satisfy their financial needs by building long-term relationships using a
client-centered, value-added approach. Our Values Integrity. We steadfastly
adhere to ethical principles and professional standards. Respect. We value the
diversity and individuality of each associate and client. Responsiveness. We
readily react to the needs and deadlines of our clients and co-workers.
Commitment. We are committed to doing whatever we can to meet the needs of our
clients and other stakeholders. Leadership. We believe that leadership should be
encouraged and demonstrated at every level in our Company. Excellence. Our
business decisions and our service to every stakeholder should reflect the
highest standards. values first and Code of Conduct Mission The values first
program and the Code of Conduct are designed to establish and encourage a
Company culture based on the highest ethical principles that pervades throughout
every office, level and function of the Company. These will guide our day to day
decisions and activities in accordance with our Company values.

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Table of Contents Living values first and Living by the Code of Conduct
.......................................... 1 How the Code Works
................................................................................................
2 To Whom Does the Code Apply?
.......................................................................... 2
Making Good Decisions
.......................................................................................
3 Reporting Code of Conduct Violations and Sharing Concerns About Misconduct . 5
Non-Retaliation
....................................................................................................
9 Investigations
......................................................................................................
10 Where Do I Turn for Assistance; Help and Resources
...................................... 10 Your Responsibilities as an Associate
................................................................... 11 Special
Responsibilities of Leadership
.................................................................... 12 Training
and Acknowledgment
...............................................................................
13 Waivers and Exceptions to the Code of Conduct
................................................... 14 Our Responsibilities to
All
......................................................................................
15 Non-Discrimination and Equal Opportunity
............................................................ 15 Protection of
Confidential Information
.................................................................... 15 Fair
Dealing and Competition
.................................................................................
18 Compliance with Laws and Regulations
................................................................. 19 Our
Responsibilities to the Company
.................................................................... 22
Protecting Company Assets
...................................................................................
22 Conflicts of Interest
................................................................................................
24 Personal Financial Affairs
......................................................................................
27 Gifts and Entertainment
.........................................................................................
28 Outside Activities
...................................................................................................
29 Political Contributions and Activities
....................................................................... 31
Corporate Opportunities
.........................................................................................
33 Accuracy of Records and Information Reporting
..................................................... 33 Effectively Manage Risk
and Lead in Risk Control ................................................. 35
Business Expenses
................................................................................................
36 Our Responsibilities to Our Associates
................................................................ 37 Diversity
and Equal Opportunity
............................................................................. 37
Discrimination and Harassment
............................................................................. 38
Personal Conduct
..................................................................................................
40 Workplace Safety and Health
.................................................................................
40 Our Responsibilities to the Market and Our Shareholders
................................... 42 Insider Trading
.......................................................................................................
42 Disclosure
..............................................................................................................
45 Media and Shareholder Inquiries
........................................................................... 45
Our Responsibilities to the Community
................................................................ 46 Community
Reinvestment
......................................................................................
46 Charitable Conduct and Donations
........................................................................ 46

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1 Living values first and Living by the Code of Conduct First Financial Bancorp
and First Financial Bank, and all related affiliates and subsidiaries
(collectively “First Financial” or the “Company”), are committed to living and
conducting business according to our core Company values and living values
first. While Integrity is first among our core Company values, all of our core
values are engaged in the values first program. The values first program
identifies our approach to creating a culture based on the highest ethical
principles that pervades throughout every office, level and function of the
Company to guide our day to day decisions and activities in accordance with our
Company values. Living values first at First Financial means basing your
decisions and actions on your values to guide you to do what is right for
yourself, our stakeholders and the Company. The Code of Conduct is the pillar of
the values first program. This Code of Conduct: Is designed to help you
understand First Financial’s commitment to living values first; Provides
guidance, identifies resources and helps you understand First Financial’s
expectations of a values-based culture; Doing the right thing is key to our
success!

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2 Includes certain questions and answers about issues that commonly arise, but
does not address every situation you may face; and Together with other
components of the values first program, will give you the tools to help guide
you in making ethical decisions in line with First Financial’ s Values. We
believe living values first sets us apart from our competitors. The Code of
Conduct identifies our commitment to our Values and our responsibilities to our
stakeholders, including our clients, our shareholders, our fellow associates,
our regulators, and our community. How the Code Works To Whom Does the Code
Apply? The Code applies to all associates, officers, and directors of First
Financial. Outside consultants, contractors, and agents used by First Financial
are encouraged to abide by the Code of Conduct and may be required to comply
with specific codes or policies established for their particular situations when
performing services for First Financial. This Code represents the values first
ethical foundation to which everyone is expected to live. Depending upon your
individual role or position, you may also be subject to more stringent or more
specific policies or standards. For example, the Chief Executive Officer and
Chief Financial Officer, as well as certain other executive officers, are
subject to the Code of Ethics for the Chief Executive Officer and Senior
Financial Officers.

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3 You may also have certain professional responsibilities or obligations with
respect to specific licenses you hold. Similarly, many First Financial
associates are subject to ethical and conduct standards stemming from fiduciary
obligations and fiduciary positions. Applicable local or federal law may also
dictate certain courses of action. If you believe there is a conflict between
the Code and any other policy or standard you are expected to comply with, you
should comply with the most restrictive standard. Making Good Decisions
Situations that involve ethical questions are often complex, and it may be
difficult to clearly identify the right choice of action. It is similarly
difficult to express definitively whether something is right or wrong in many
situations. You are expected to carefully weigh the various factors and reach a
rational, well-reasoned, and ethically sound decision. When faced with these
situations or decisions, there are several questions you should ask yourself
before making a decision or taking action: Do I have the necessary facts and
information? Have I identified and considered the alternatives? Is the decision
legal? Is the decision ethical? Does the action comply with values first, the
Code of Conduct, the Company values, and any other directives? Q: I participate
in a sales program. A colleague recently told me of a way that will boost my
sales results. It is not specifically mentioned in the list of prohibited
activities but it doesn’t feel right. What should I do? A: Apply the decision
tools in this Code of Conduct and the values first materials and listen to your
own instincts! If you are not certain if it is right or if you feel others are
not living by the Code of Conduct, please discuss the matter with your manager.

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4 How does my decision affect each of our stakeholders: clients, shareholders,
associates, regulators, and the community? How would others perceive my decision
and can it be explained and defended? What would happen if my decision and the
rationale behind it became front page news? How would it reflect on me and on
First Financial? What would happen if everyone made the same decision? Is this
sustainable in the long term or is it a short term benefit (with possible
long-term negative consequences)? Should I consult with my manager, my Talent
Management partner, Legal, or Audit before acting? And what do I expect their
guidance would be? If you are uncertain as to the proper course, you should seek
guidance from your manager or appropriate representatives from the Talent
Management, Legal, or Audit departments. Additional information about where to
turn for advice can be found on the values first page of the intranet as well as
in the section of this Code titled “Where Do I Turn for Assistance; Help and
Resources”.

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5 Reporting Code of Conduct Violations and Sharing Concerns About Misconduct Not
only are you expected to live values first in your own conduct, you are expected
to help ensure that others within First Financial are doing likewise. Reporting
violations of the Code, violations of law or other misconduct, or sharing
concerns you have about the actions of others, is critical to First Financial’s
success and its ability to protect its assets and reputation. You are obligated
to report any misconduct or any violations or suspected violations of this Code,
applicable law, or any other applicable policy or standard. You may be held
responsible for not reporting misconduct, violations, or suspected violations if
you knew or should have known of the matter. Even if you are not sure if a
violation or misconduct has occurred or will occur, you should report it! We
have set up several different channels for you to report violations or share
concerns about misconduct. Any of these channels are available to you, and you
are encouraged to use the channel that best suits your situation. Call the
Toll-free Ethics First Hotline The Ethics First Hotline number is 866-291-2909
and can be used at any time, day or night. The Ethics First Hotline is operated
by an independent third-party reporting service, Ethicspoint, Inc., that will
forward the information to the Audit Committee, Chief Internal Auditor and
Corporate General Counsel for appropriate action. The Ethics First Hotline
allows you to remain completely anonymous if you so choose. Q. I am suspicious
that dishonest conduct may be occurring in my department. I would like to gather
more facts before I report it. How is the best way to proceed? A. You should
report it to your manager or through one of the other means identified in the
Code immediately so a determination can be made on how best to proceed.

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6 The Ethics First Hotline does not use caller-ID or other devices that identify
you or trace your number. If you do choose to identify yourself, you may still
request that your identity be kept confidential to the extent possible as
described below. Go Online to the Ethics First Hotline web-based reporting
system The web-based Ethics First Hotline system is operated by an independent
third-party reporting service, Ethicspoint, Inc., and allows you to remain
completely anonymous if you choose to do so. This system may be accessed through
the intranet at Important Links – Ethics First Hotline/Whistleblower or through
the values first intranet page. You may also access this system directly at
www.ethicsatfirst.com. If you do choose to identify yourself, you may still
request that your identity be kept confidential to the extent possible as
described below. E-mail one of the Co-Managers of the Ethics First Hotline
system via email You may also email: Matthew Burgess, Chief Internal Auditor at
matthew.burgess@ bankatfirst.com; or Greg Gehlmann, Corporate General Counsel at
greg.gehlmann@bankatfirst.com. Any email you send from your work or personal
accounts is not expected to provide anonymity. You may, however, request that
your identity be kept confidential to the extent possible.

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7 Correspond directly with the Audit Committee of the Board of Directors or with
one of the Co- Managers of the Ethics First Hotline system through US mail This
reporting channel allows you to remain anonymous or request that your identity
remain confidential to the extent possible. Correspondence sent to the below
post office box is only accessible by one of the three persons indicated. You
may send written correspondence to the attention of any of the following: Audit
Committee Chair – Confidential Chief Internal Auditor – Confidential Corporate
General Counsel – Confidential You may also send correspondence to the attention
of the Ethics First Hotline, in which case a copy will be routed to each of the
three individuals above. The correspondence should be sent to the following
address: First Financial Bancorp. Attn: [insert one of the titles above] P.O.
Box 234 Hamilton, Ohio 45012-0234 Q. I am processing a transaction and the
documentation appears to have been altered. I’m not sure there has been any
misconduct and I don’t want to get anyone in trouble if my suspicions are not
accurate. What do I do? A. You should report your concern as long as you have a
good faith belief that there has been misconduct. After your report has been
made, an investigation will be conducted by appropriate personnel to determine
whether misconduct has occurred.

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8 Discuss the situation with your Talent Management Partner, an attorney within
the Legal Department, or a representative of the Audit Department. Depending on
the situation, representatives of these areas of the Company may be able to more
personally address your concerns. While anonymity may not be possible, you may
request that your identity be kept confidential to the extent possible. Discuss
the situation with your manager or with higher levels of management within your
business unit. You are encouraged to report violations or share concerns about
misconduct with your manager or more senior management within your business
line. In many situations, your manager may be attuned to the situation or
particular issue. However, there may be situations that are not appropriate to
discuss with your supervisor or where you wish to remain anonymous. In these
situations, you should use one of the other channels available. A report of a
violation, potential violation, or other mis- conduct made using any of these
channels will be reviewed and investigated thoroughly by the Company. If you
have chosen not to remain anonymous, you may still ask that your identity be
kept confidential to the extent possible.

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9 If you request that your identity remain confidential to the extent possible,
we will take all reasonable steps to make certain that your identity is only
shared on a need-to-know basis and only to the extent necessary to complete an
adequate investigation or review, or to comply with applicable law or other
legal obligations. Non-Retaliation We strictly prohibit retaliation, in any
form, against anyone who makes a good faith effort to report any misconduct or
any violations or suspected violations of this Code, applicable law, or any
other applicable policy or standard. Your good faith report of misconduct or a
suspected violation, or your participation in an investigation, cannot be the
basis for any adverse employment action, including termination, demotion, loss
of benefits, threats, harassment, or discrimination. Any retaliation against an
employee who in good faith raises an issue or makes a report of misconduct or
any violation or suspected violation of this Code, applicable law or any other
applicable policy or standard, is itself a violation of this Code and should be
reported to the Corporate General Counsel or through one of the channels
identified above. Reporting in good faith does not mean that you have to be
right when you raise a concern or that the investigation must reach the
conclusion that misconduct has occurred. Reporting in good faith means you have
to believe that the information you are providing is accurate. Making a report
without good faith, or with malicious intent, can be extremely harmful to the
Company’s operations and its associates. Making a report without good faith will
itself be considered a violation of this Code. Q. My manager typically does
nothing when concerns about potential misconduct are brought to her attention,
and I believe she has made things difficult for associates who have raised
issues. I have concerns about the actions of another associate and don’t know
where to turn. A. Speak up. Our Code of Conduct says that you should report
misconduct of which you are aware and that you can do so without fear of
retaliation for good- faith reporting. You should also report any retaliation
you perceive.

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10 Investigations First Financial takes all reports of possible misconduct or
violations seriously. We will investigate the matter thoroughly and, if
appropriate, take corrective action. Any information you provide will be handled
discreetly and shared only with those who will be investigating and resolving
the matter, as well as any other party who we may have an obligation to inform,
such as our regulators in certain situations. Where Do I Turn for Assistance;
Help and Resources This Code and information concerning the values first
program, including the Ethics First Hotline, are available on the Company’s
intranet site through the values first link. The values first program and this
Code provide guidelines to help you make appropriate decisions. We will provide
decision tools, questions to ask yourself, and various scenarios and examples to
help guide your decision making. If you are uncertain as to the proper course of
action to take, you should seek guidance from your manager or appropriate
representatives from the Talent Management, Legal, or Audit Departments.
Specific contact information for these departments can be found at the values
first intranet site. Representatives of these departments, in addition to your
own manager, are open-door resources to you.

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11 Your Responsibilities as an Associate First and foremost, it is your
responsibility to understand and adhere to the Code of Conduct, both in letter
and in spirit. You are also responsible for understanding and abiding by all
other Company policies that affect your position. Your responsibilities include:
Acting in an ethical and professional manner at all times when performing your
duties for First Financial. Promptly reporting or raising concerns about any
actual or suspected misconduct or violation of this Code, other Company policy
or applicable law. Promptly reporting any circumstance where you feel you are
being told to do something unethical or illegal. We rely on you to make good
decisions and help preserve the ethical standards and values first culture of
First Financial. No one, at any level, has the authority to tell you to do
something unethical or illegal. Never asking or suggesting that any associate,
officer, director, client or other business partner do something that would be
prohibited by this Code. Q. My business unit sets various goals that we are
asked to achieve. I sometimes feel pressured to violate the Code of Conduct to
achieve these goals. Is this acceptable? A. No. While successful businesses set
high goals and employees strive to achieve them, you should never violate the
Code of Conduct or First Financial policies to achieve them.

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12 Raising issues and making reports of actual or suspected misconduct or
violation of this Code, other Company policy or applicable law in good faith.
Cooperating and providing honest and accurate information in any investigation
conducted by the Company, as well as any audit, regulatory exam, legal
proceeding, or similar activity. Completing required Code of Conduct and values
first training in a timely manner. Special Responsibilities of Leadership If you
are in a leadership position, you have additional and heightened
responsibilities. You are expected to: Be a role model of living values first
and be a resource to your reports concerning how to follow the Code, other
policies and applicable law in their daily work. Proactively prevent, identify
and report misconduct within your group.

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13 Create and encourage a work environment where ethical conduct is valued and
recognized and where associates feel comfortable asking questions and raising
concerns. Not encourage or direct associates to achieve business results at the
expense of ethical behavior or compliance with the Code. Listen carefully to any
questions or concerns related to the Code or certain conduct that are raised by
your group. Answer any questions and respond appropriately. If you need help or
if the concern requires investigation, contact the Legal, Talent Management,
Corporate Fraud or Audit Departments. Investigations are conducted and managed
by the preceding departments and while your assistance and cooperation are
required, it is not your role to conduct an investigation. Training and
Acknowledgment All associates are required to acknowledge the Code of Conduct
upon hiring and at any other time as requested by the Corporate General Counsel.
All associates are required to complete training on the Code of Conduct at least
annually and at any other interval required by the Corporate General Counsel. Q.
I am a manager and I would like to start discussions about ethical behavior
during a team meeting. What resources can I use? A. Start with the Company’s
core values and use any of the materials available at the values first intranet
page. You might ask your direct reports to provide examples of behavior that
support those values and examples that do not. Once initiated, the conversation
will be productive and lively. The most important thing is that you’ve
introduced the topic for discussion – a good example of leadership.

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14 Waivers and Exceptions to the Code of Conduct Waivers of the Code, or the
approval of certain actions or situations referenced in this Code, should be
rare, but may be appropriate in certain cases, including conflicts of interest
or use of Company assets. Any waiver or exception must be requested by you in
writing and submitted to the executive vice president who leads your business
unit. Any approval or waiver that is granted by an executive vice president must
be in writing and a copy must be given to the Corporate General Counsel. If you
are an executive officer or a director, any waiver or exception must be approved
by the Audit Committee. Any approved waiver or exception to the Code of Conduct
must be renewed at least annually and may be revoked at any time.

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15 Our Responsibilities to All Non-Discrimination and Equal Opportunity It is
our policy not to discriminate in any of our business or employment matters
against any individual in violation of federal, state, and local laws as it
relates to age, race, color, religion, national origin, sex, marital status,
pregnancy, gender, disability, sexual orientation, genetic information,
veteran/military service, or any other characteristic protected by law. We do
not tolerate any discrimination or harassment, and you should immediately report
any concerns about suspected discrimination or harassment. Protection of
Confidential Information You are required to safeguard and maintain the
confidentiality of Confidential Information entrusted to you by us, our
customers or vendors, except when disclosure is authorized by the Legal
Department or required by applicable law or regulation. “Confidential
Information” includes all nonpublic information that: (i) might be of use to
competitors; (ii) could be harmful to us or our customers, if disclosed; and
(iii) information that vendors and customers have entrusted to us. Q. A close
friend works for a competitor of ours. We sometimes talk about the challenges we
have in marketing certain products and bounce ideas off one another. Is there a
problem with this? A. Yes. You are discussing confidential information that
belongs to the Company. You may also be violating anti- trust or anti-
competitive laws. Do not talk about these types of matters with your friend,
family members or anyone outside of the Company.

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16 Some examples of Confidential Information include, but are not limited to,
the following: Pricing policies and information; Business or strategic operating
plans and outlooks; Nonpublic financial information about us or our customers,
business partners, and vendors; New product, brand or marketing studies,
developments, plans, or forecasts; Customer data, including contact details,
specifications, and preferences; Contracts and agreements, including agreement
terms such as expiration dates, any exclusivity provisions, and financial
conditions; Competitive intelligence that you or our third party business
partners or consultants make or compile on our behalf; Employee, client,
business partner, and vendor lists with or without associated contact
information; Software or computer programs; Merger, acquisition, or divesture
plans, whether successful or not;

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17 Personnel plans or major management changes; and Internal communications such
as webcasts, audio transmissions of conference calls, memoranda to staff, and
transcripts or minutes of Company meetings. Your obligation to preserve
Confidential Information continues even after your association with us ends. All
associates are expected to follow Company policies concerning the proper storage
and disposal of such information. Before disclosing Confidential Information:
Seek advice from the Legal Department to ensure you are permitted to do so under
applicable law and Company policies and procedures; Disclose it only to those
who are authorized to receive it and who have a need to know the information to
perform their jobs; Limit what you share to the amount actually required to
achieve the stated business purpose; and Obtain a confidentiality agreement if
the Company is sharing information with someone outside of the Company. Q. We
are hiring a new vendor who might need to see confidential customer information.
What do I need to do? A. Customer information can only be shared in accordance
with applicable law. The Company’s vendor management program addresses the
process required to become a fully approved vendor, including any requirements
concerning confidentiality agreements.

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18 Customer Information. You may access customer information only for business
purposes and must protect the confidentiality and security of that information
at all times. You should be familiar with the Company’s privacy notice to
customers and consumers, which details how the Company protects personal
information and the circumstances under which the Company may share that
information. Company Information. You must keep confidential and secure any
nonpublic information about First Financial. Additionally, certain company
information should only be shared within the Company with other associates who
have a “need to know” the information to perform their duties. Ask your manager
for more information if you have any questions about sharing Company information
on a “need to know” basis. Associate Information. You must keep confidential and
secure any information the Company has about its associates. Fair Dealing and
Competition We seek to outperform our competition fairly and honestly and each
of you is expected to deal fairly with clients, competitors, vendors and other
associates. In order to meet this objective, you must: Always award contracts
and purchase goods and services solely in accordance with the Vendor Management
Program and in the best interest of First Financial;

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19 Not take unfair advantage of anyone through manipulations, concealment, abuse
of confidential information, misrepresentation of facts or any other unfair
practice; and Not give or accept bribes, kickbacks, or self-interested promises
from a current or prospective client or vendor. Additional related information
can be found in the Code of Conduct sections concerning Conflicts of Interest
and Gifts and Entertainment. Compliance with Laws and Regulations First
Financial operates in a highly regulated environment and under intense scrutiny
by our regulators, our clients, and the general public. We will comply with all
relevant laws and regulations. It is important that we maintain a positive and
effective working relationship with our regulators. You must cooperate with our
regulators and respond to requests for information in a complete and timely
manner. You should feel free to bring concerns directly to the Legal Department,
the Risk Management Department, or the Audit Department. As a financial
institution, there are numerous laws, rules and regulations that govern our
business. Any violation of these laws, rules or regulations could jeopardize our
business and our reputation. You must not take any action, either personally or
on our behalf, which violates any applicable laws, regulations or internal
policies. Q. I have a potential new business client who plans to leave their
current bank due to issues involving fees. Some of First Financial’ s fees that
will apply are similar to those fees of the other bank. I don’t think the client
realizes this and I do not want to lose this opportunity. What should I do? A.
Have an open discussion about the fees to avoid any confusion and surprises by
the client. Your openness and honesty about the fees may be our competitive
edge.

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20 While we don’t expect you to be a legal expert, you are expected to
understand and comply with the laws, rules and regulations that are applicable
to your job or position, and you should also know when to seek advice from your
manager, the Legal Department, or the Risk Management Department. Fraud,
dishonesty or criminal conduct will not be tolerated. As appropriate for your
job responsibilities and position, you should: Learn about the laws, rules and
regulations that affect what you do at First Financial; Consult with the Legal
Department if you have any questions about the applicability, existence or
interpretation of any law, rule or regulation; Take mandatory compliance
training; and Attend periodic training and seek to keep informed about any
relevant legal or regulatory developments. We have established multiple policies
and procedures that address laws and regulations that apply to First Financial.
You are expected to comply, both in letter and in spirit, with all of these
policies, procedures, laws and regulations. It is not practicable to identify
here all the laws and regulations to which we are subject, and the following are
just a sample. U.S. Foreign Corrupt Practices Act First Financial is prohibited
from giving anything of value, directly or indirectly, to officials of foreign
governments or foreign political candidates in order to obtain or retain
business. You are strictly prohibited from making illegal payments to government
officials of any country.

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21 Economic Sanction Regulations The U.S. Treasury’s Office of Foreign Assets
Control (OFAC) prohibits financial institutions from providing financial
services to certain foreign governments or individuals. Additionally, assets of
these governments or individuals may be required to be frozen by First
Financial. Payments and Gifts to U.S. Government Personnel There are a multitude
of laws and regulations concerning business gratuities that may be accepted by
U.S. government personnel. The promise, offer or delivery of a gift, favor or
other gratuity to an official or employee of the U.S. government is prohibited
and may also be a criminal offense. State and local governments may have similar
rules that you are required to follow. Bank Secrecy Act and Anti-Money
Laundering Regulations The Bank Secrecy Act and Anti-Money Laundering
Regulations are designed to prevent money laundering and terrorist financing.
These laws require, in addition to other items, that First Financial implement
certain policies and procedures regarding customer identification, report
instances of suspicious activity in a timely manner, and properly maintain
certain records.

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22 Our Responsibilities to the Company Protecting Company Assets Company assets
are highly valuable and are meant only for business use. You have a
responsibility to protect and safeguard these assets from loss, theft,
carelessness, misuse, damage, and waste in order to preserve their value.
Examples of our assets include, but are not limited to: Computer systems,
equipment and technology (including laptops, tablets and mobile devices);
Phones, copiers, scanners and fax machines; Confidential information, including
customer information; Business, marketing and service plans; Intellectual
property, such as trade secrets, patents, trademarks and copyrights; Software
codes and licenses, ideas, concepts, content and inventions; Customer
information, salary information and any unpublished financial data and reports;

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23 Office supplies, furniture and equipment; and The First Financial name,
various brand names and logos. Company assets also include all memos, notes,
lists, records and other documents (in paper and/or electronic format) that you
or any of our third party business partners or consultants make or compile
relating to our business. You should use Company assets appropriately for
legitimate and authorized business purposes. You should not access systems or
information unless you’ve been authorized and enabled to do so, and the extent
of your access must be consistent with the scope of your authorization. Company
assets should never be used for illegal activities. We allow and permit limited
and occasional personal use of our e- mail, messaging, the internet and phones
if the use is not excessive, does not interfere with work responsibilities, and
otherwise does not violate this Code or other applicable policies.
Misappropriation of Company assets is a breach of your duty to us and may be an
act of fraud against us. Taking property from our facilities without permission
is regarded as theft. In addition, carelessness or waste of our assets may also
be a breach of your duty to us. If you become aware of loss, theft, misuse,
damage, or waste of our assets, or if you have any questions about your proper
use of these assets, you should speak with your manager. If you leave our
employment, or upon our request, you must return any and all of our assets in
your possession. Q. The Company uses certain financial modeling software that I
think my friend’s business could really benefit from. I would like to ask an
associate who works with this software frequently to use it to help my friend.
A. This would be an inappropriate use of Company assets both with respect to the
software and the associate’s time. Even though these circumstances may not seem
to impact the Company’s use of the software, it is still not appropriate and may
be prohibited by the terms of the software license.

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24 Conflicts of Interest We expect that you will act in the best interests of
First Financial and avoid conflicts of interest by making reasoned and impartial
decisions. A conflict of interest may arise whenever a personal interest
interferes with (or even appears to interfere with) the Company’s interests. A
conflict of interest can also arise when you take an action or have an interest
that makes it difficult for you to perform your work objectively and
effectively. While we respect your right to manage your personal business and
investments, you should place the Company’s interest in any business transaction
ahead of any personal interest or gain. Conflicts of interest may also arise
when you or your family members receive improper personal benefits as a result
of your relationship with us. Loans and other transactions to you or any party
related to you may create conflicts of interest. You are not permitted to
process or approve any transactions between the Company and yourself or any
party related to you.

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25 A related party means: Any of your family members, other relatives, or close
friends; Members of your household, including roommates and other unrelated
individuals; Any organization of which you or any of your family members are a
sole proprietor, controlling shareholder, director, trustee, executive officer,
or partner; or Any trust or other estate in which you or your family members
have a substantial beneficial interest, or for which you or your family members
serve as trustee or in a similar capacity. For example, due to the potential
conflicts of interest, you are not permitted to: Process transactions involving
accounts for which you are an authorized signer; Approve extensions of credit to
yourself or to family members; or Authorize the use of a family member’s
business to provide services to us. This is not intended to be a complete list
of examples. Other similar transactions may create a conflict of interest. Q. My
brother has a catering company that specializes in corporate events. Can I help
him get business from First Financial? A. You can introduce him to persons that
coordinate corporate events or meals, but then you must remove yourself from the
conversation. You should also disclose your relationship and conflict to that
group. You cannot do anything to influence our decision about engaging your
brother to provide services, and you can’t be involved in our dealings with your
brother or his business.

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26 It is almost always a conflict of interest for you to work or volunteer
simultaneously for a competitor, customer, or vendor of ours. You are not
allowed to work for a competitor as an employee, consultant, or board member.
You should never use your employment or position with us for personal advantage,
or seek special terms or price concessions for your personal benefit from
customers or vendors of ours. Conflicts of interest and related party
transactions involving directors and executive officers must be reviewed by the
Audit Committee of the Board of Directors. Extensions of credit from First
Financial to executive officers, directors, their related interests and other
insiders identified by law are subject to various dollar and other limits, and
may be required to be approved by or reported to the Corporate General Counsel
or the Board of Directors. Conflicts of interest are prohibited as a matter of
our policy, and they must be avoided unless it can be shown that: (a) you or
your related interest would receive no unfair advantages by virtue of your
position with us, and (b) the Company is in no way disadvantaged by the
transaction. Conflicts of interest may not always be clear-cut. If you have a
question, you should consult with your manager or the Company’s Corporate
General Counsel. If you become aware of an actual or a potential conflict of
interest, you should bring it to the attention of your manager or other
appropriate personnel by following the procedures described in this Code.

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27 Personal Financial Affairs As a financial institution, our business depends
on public confidence in our ability to help manage the financial affairs of
others. In general, your personal finances are private. However, because you
represent us, it is important that you manage your personal finances properly
and in a prudent manner. Also, you must transact all personal financial business
with us following the same procedures that are used by clients and from the
“client side” of the window or desk. You are not allowed to handle or approve
your own transactions, transactions on accounts over which you have any
ownership interest, control or signing authority, or transactions for family
members. You may not approve overdrafts or reverse or waive fees or service
charges for: Your own accounts; Accounts in which you have an interest; Accounts
of family members, other relatives and close friends; Accounts of members of
your household, including roommates and other unrelated individuals; or Accounts
of companies or organizations controlled by you, your family members, other
relatives and close friends. Q. My roommate has asked me to get a fee on her
account waived. It is a fee we normally waive upon request. Can I waive the fee
in the system? A. No. You should ask your roommate to contact the Client Service
Center or an associate at the sales center to inquire about waiving the fee.

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28 Gifts and Entertainment We encourage you to develop strong relationships with
our clients, vendors and others with whom the Company does business, however you
should only do this in a manner that does not create or appear to create a
conflict of interest. A conflict of interest may arise when you provide or
receive gifts or entertainment. Such activities must be legal and should not be
frequent, excessive, or extravagant. You must not accept or provide
entertainment to or from current or prospective clients or vendors unless it is
for a valid business purpose and provides an opportunity for a meaningful
business conversation. You should not participate in any activity that could
embarrass or reflect poorly on the Company. The acceptance of even a
well-intentioned gift or offer of entertainment may present a conflict of
interest, cloud your judgment when making a decision for the company, or create
the appearance of a conflict of interest, and can be misinterpreted as an
attempt by the donor to improperly influence the recipient’s behavior. In some
situations, the acceptance of any gift from a client will be inappropriate
regardless of the intent of the person giving the gift. These situations include
trustee and fiduciary relationships and any situation where the gift could be
interpreted as taking advantage of the relationship with the client or where it
is prohibited by law.

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29 You should seek the prior approval of your manager if you are offered any
gift or entertainment that exceeds $100 or you are not certain is appropriate in
light of this Code. If you are a director or executive officer, you should seek
the advice or prior approval of the Corporate General Counsel if you are
uncertain about the appropriateness of a gift or entertainment or if the gift or
entertainment exceeds $250. You should also seek prior approval if the aggregate
of all gifts and/or entertainment in one year from the same person or company
exceeds the above amounts. It is also important to remember that giving gifts,
just like receiving gifts, can harm the Company’s reputation by creating an
appearance of impropriety. In some situations, giving gifts or favors can also
violate the law. There are strict laws restricting gifts to any government
officials, and you should follow all applicable laws and regulations. These
restrictions are not intended to apply to gifts or entertainment based on family
relationships where the circumstances make it clear that it is the relationship
– rather than our business – that is the motivating factor for giving the gift.
Outside Activities We encourage you to participate in outside activities,
provided these do not interfere with the performance of your job with First
Financial. Working outside of First Financial or serving as a director of
another company may create a conflict of interest. Being a director or serving
on a standing committee or advisory board of some organizations, including
government agencies, also may create a conflict, whether the position is
compensated or not. Outside activities that compete with our business or present
a conflict or potential conflict of interest are not permitted. Q. I have been
asked to sit on the board of directors for a non-profit organization. Can I
accept the appointment? A. Probably. You must notify your manager first to
ensure that the activities do not create a conflict of interest with your job.

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30 Before agreeing to work outside of First Financial or joining the board of a
charity or non-profit organization, you should assess whether it would have the
potential to be a conflict of interest, depending on the nature of the position
and your involvement. You should inform and obtain the approval of your manager
before you: Pursue additional employment outside of First Financial; Engage in
an independent business venture; Perform services for another business
organization; Become an officer, director, owner, partner or controlling
shareholder of any business or organization; or Run for or accept appointment to
any political office. Directors and executive officers should not engage in the
above activities without first notifying the Corporate General Counsel, who will
determine whether securing approval from the Audit Committee of the Board of
Directors is necessary. You must not pursue such outside business activities and
relationships using Company assets (including but not limited to physical space,
supplies, communications methods or time) or allow any outside business, civic
or charitable activities to interfere with your job performance. You must not
act on behalf of or appear to represent the Company in any transaction outside
of your role and responsibilities with us. It is important that you and the
Company work together to avoid any basis for criticism or misunderstandings.

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31 Political Contributions and Activities We respect your right to engage in
personal political activity; however, you must be sure any such activity: Is
lawful; Does not use Company time or resources; and Does not subject the Company
to inappropriate risk, including reputational risk. Any volunteer activity must
be done on your own time and cannot be done, or appear to be done, as a
representative of First Financial. You may make personal political
contributions, within applicable legal limits, to political candidates,
political parties, political action committees, and other entities that make
political expenditures. You may not: Engage in political campaign fundraising or
solicitation activities for your own political interest on Company premises; or
Commit First Financial to make any political contribution at any time, whether
it is money, facilities or volunteering employee services, including buying
tickets to political dinners or other political fundraising events. Q. A former
colleague is running as a candidate for a local government position and has
asked me to support her campaign with a personal financial contribution. Is this
okay? A. We respect the right of our employees to personally support political
or charitable activities as long as this support is not associated with the
Company or uses Company assets. Therefore, you are free to personally support
your former colleague’s campaign.

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32 Subject to certain exceptions, it is against the law for the Company to make
any contribution or expenditure or to provide any service (except usual and
customary banking services) or anything of value in connection with any election
to any political office, or in connection with any primary election or political
convention or caucus held to select candidates for any political office. This
prohibition applies to all federal, state, and local elections, political
conventions, and caucuses. Under no circumstance may you solicit other
associates to make political contributions or volunteer their time for a
political purpose. Any legally permissible political contributions or
activities, including lobbying or communicating with elected officials, for or
on behalf of First Financial must be pre-approved by the Chief Executive Officer
and must comply with all legal requirements.

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33 Corporate Opportunities You owe a duty to First Financial to advance our
interests to the best of your abilities. You may not take advantage of
opportunities that rightfully belong to First Financial. For example, you may
not: Take personal advantage of opportunities that are discovered through the
use of Company property, information or position; Use corporate property,
information or position for personal gain; Personally receive a commission or
fee for a transaction you have conducted for First Financial; Divert business
from First Financial, or Compete with First Financial directly or indirectly.
Accuracy of Records and Information Reporting We require honest and accurate
recording and reporting of information in order to make responsible business
decisions. You must ensure that complete and accurate financial and accounting
records, that are not misleading, exist at all times. Internal controls and
procedures must be closely followed so that all transactions are properly
documented, recorded and reported. Q. A friend was looking for a loan to start a
business. I referred him to one of our loan officers. He was successful in
obtaining the loan from us and now would like to thank me for the referral by
paying me a referral fee. Is this okay? A. No, you are not allowed to accept a
fee or gift personally for any transactions you referred to us or for work you
perform for a client.

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34 Specifically, this means that: All of your books, records and accounts –
including time sheets, sales records, invoices, bills and expense reports – must
be complete, accurate and reliable. You must never falsify any document or
distort the facts relating to a particular transaction. Unrecorded or “off the
books” funds or assets should not be maintained unless permitted by applicable
law or regulation. Financial records that reflect our activities and
transactions should be maintained in accordance with our accounting policies and
procedures and in compliance with applicable standards, laws and regulations.
Transactions are to be recorded in a timely manner and supported by appropriate
documentation. Business records and communications often become public and you
should avoid exaggeration, derogatory remarks, guesswork, or inappropriate
characterizations of people and companies that can be misunderstood. This
applies equally to e-mail, internal memos, and formal reports.

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35 Records should always be retained or destroyed according to our Records
Management Policy. We are each responsible for identifying and reporting any
concerns about the Company’s business records, accounting, internal controls or
other audit matters. Any complaints or concerns regarding accounting, internal
accounting controls, audit matters, or recordkeeping must be reported
immediately as described in the section of this Code titled Reporting Code of
Conduct Violations and Sharing Concerns about Misconduct. Effectively Manage
Risk and Lead in Risk Control Risk management is an important aspect of our
corporate culture and values and an integral part of achieving our objectives.
We are called upon daily to make decisions that impact our business risk.
Managers are expected to set the tone of accountability for their teams. Each of
you is expected to identify, assess, manage, and appropriately escalate risks
associated with your job responsibilities. You are accountable for debating
risk- related issues, escalating concerns, taking a stand, and making sound
judgments about the risk/reward tradeoffs of business decisions. Q. In order to
meet a project deadline, I worked overtime one evening. My manager wants me to
record only my regular hours for that day and will give me time off on another
day equal to the overtime hours. What should I do? A. Even though your manager
may mean well, inaccurately recording hours worked is a policy and legal
violation. You are responsible for reporting accurate and complete information.

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36 You should take an open, candid and fact-based approach to discussing risk
issues, making all relevant facts and information available, so that we can
consider all possible options and make decisions. You are also responsible for
promptly communicating and escalating matters to management that may cause risk
or potential harm to us, such as operational problems, inappropriate conduct,
policy violations, illegal activities, or other risks. You should always act to
protect our interests and the interests of our shareholders and other
stakeholders. Business Expenses You must report your business expenses
accurately and in a timely manner. Business credit cards must not be used for
any purpose other than appropriate business expenses as outlined in our
Accounting Policy. If you are not sure whether a certain expense is legitimate,
you should ask your manager. You may not approve your own expenses or request
approval of those expenses by anyone who reports directly or indirectly to you.
Approval of expenses must be obtained from your manager, in accordance with our
policies.

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37 Our Responsibilities to Our Associates Diversity and Equal Opportunity We
strongly encourage diverse viewpoints and creative minds. We believe that by
respect and appreciation for diversity we are contributing to our growth and
your growth. It is our policy not to discriminate against any individual in
violation of federal, state, or local laws as it relates to age, race, color,
religion, national origin, sex, marital status, pregnancy, gender, disability,
sexual orientation, genetic information, veteran/military service, or any other
characteristic protected by law. As an equal opportunity employer and in order
to provide equal employment and advancement opportunities to all individuals,
employment decisions at First Financial will be based on merit, qualifications
and abilities. Equal employment opportunity is not only good practice, it’s the
law and it applies to all areas of employment, including recruitment, selection,
hiring, training, transfer, promotion, demotion, termination, compensation, and
benefits. Q: I’ve overheard another manager intimidating one of his employees
with derogatory language, but the employee refuses to report his behavior. Is
there anything I can do? A. If you’re comfortable doing so, encourage the
employee to seek help from their Talent Management Partner. If you observe the
behavior continuing, you should contact your Talent Management Partner yourself.
Upholding the Code means sharing concerns, even though it may be easier to look
the other way.

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38 Discrimination and Harassment We strive to maintain a workplace that fosters
mutual associate respect and promotes productive working relationships.
Discrimination or harassment in any form is not only harmful to the associate(s)
toward whom it is directed, it is damaging to the work environment and may be
illegal. We prohibit discrimination and/or harassment of any kind including that
which is sexual, racial or religious in nature or is related to anyone’s gender,
color, national origin, age, sexual orientation, disability or veteran/military
status, genetic information, or any other legally protected class. We do not
tolerate unlawful discrimination or harassment of any kind in the workplace.
Additionally, in order to provide a respectful, productive and professional
workplace, conduct that does not violate the law, but that is inappropriate in
the workplace, is also prohibited. This policy applies to all associates
throughout the Company and all individuals who may have contact with any
associates of this Company, including but not limited to vendors and clients.

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39 Examples of conduct that is not acceptable include but are not limited to:
Unwelcome advances or physical contact; Unwelcome or offensive jokes or
innuendos; Offensive flirtation or propositions; Inappropriate comments about an
individual’s sex, race or other protected characteristic; Display of offensive
objects or pictures; Obscene gestures; Derogatory comments that involve
discriminatory treatment of a legally protected class; Any conduct that has the
effect of interfering with a person’s work performance or creates an
intimidating, hostile, or offensive work environment; or Conduct of a sexual
nature that requires submission as a condition of employment, promotion or other
benefit. Q. I sometimes receive e-mails from friends outside of the Company that
I find amusing, but others may think are offensive. What should I do with these?
A. Even if the e-mails do not offend you, you should delete them and not show or
send them to anyone – including sending it to yourself at another e- mail
address. Advise your friends that it would be prudent not to send these types of
e-mails to your work e-mail address.

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40 If you believe that you or another associate, client, or vendor is being
harassed or discriminated against, you must report the incident to your Talent
Management Partner. If you are uncomfortable reporting it to that individual,
you must report the incident using one of the methods described in the section
of this Code titled “Reporting Code of Conduct Violations and Sharing Concerns
about Misconduct”. Any manager to whom such a report is made must report the
incident to their Talent Management Partner or to the Corporate General Counsel.
Personal Conduct In the spirit of our Company values, you are expected to treat
and interact with your fellow associates, clients, vendors and members of the
community with Integrity, Respect, Responsiveness, Commitment, Leadership and
Excellence. We look to you to live values first. Workplace Safety and Health
Your safety and health while on the job is among our highest priorities.
Policies and procedures have been established to ensure you are provided an
appropriate work environment. These policies and procedures ensure there is an
appropriate means of reporting any safety concerns you may have and tell you
what to do in the event of an injury or illness on the job. It is your
responsibility to know and understand these policies and procedures and to
report any unsafe work conditions.

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41 The use of illegal drugs, reporting to work under the influence of alcohol,
and the abuse of legal prescription pharmaceuticals are violations of state and
federal laws. These activities can have severe health and personal consequences.
These activities also diminish the safety of all associates and visitors and can
damage the reputation of the Company in certain situations. These abuses account
for tremendous losses in efficiency, attendance, and costs of Company-provided
health care. For these reasons, the Company has adopted a zero tolerance drug
and alcohol policy. With this policy, it is the intention of the Company to use
every lawful means to establish and maintain a drug and alcohol free workplace.
The policy addresses illegal drugs and the unauthorized use of legal drugs, such
as expired prescriptions, or other substances that are controlled or outlawed,
are not obtainable by lawful methods, or are legally obtainable but were not
obtained in a lawful manner. Q: Is there somewhere I can go for help or
counseling related to alcohol or drugs? A: If you believe you have an issue with
alcoholism or drug use (or if you are experiencing other difficult personal
issues), we encourage you to use the Employee Assistance Program.

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42 Our Responsibilities to the Market and Our Shareholders Insider Trading You
must not buy, sell, recommend or trade in First Financial Bancorp securities
while in possession of material nonpublic information about the Company.
Nonpublic information is information that is not generally known or available to
the investing public. It is not considered public until First Financial releases
the information through a press release, securities filing, distribution to
shareholders, website posting, widely reported media coverage, or other official
First Financial public communication. All nonpublic information about First
Financial should be considered confidential and you have a duty to avoid using
it for profit or to avoid a loss, as well as a duty not to disclose it to
others. Breaching this duty of confidentiality is a violation of the law and can
result in severe penalties. Disclosing any material nonpublic information to
other persons, including relatives and friends who might trade on the
information or disclose it to others, is considered “tipping” and is also
strictly prohibited.

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43 Information about the financial performance of First Financial that has not
been publicly released is a common example of material nonpublic information.
The information can be either positive or negative information about the
Company. Listed below are examples of material nonpublic information: Changes to
our business operations, projections or strategic plans Mergers, acquisitions
Restructuring Possible sale of assets or subsidiaries Significant change to a
major client, contract, product or service Introduction of a major product or
service Securities offerings or repurchases as well as a declared stock split or
a change in our dividend amounts Executive management or Board of Director
changes Changes in accounting methods Lawsuits, government or regulatory
investigations Q. I overheard some associates talking about an upcoming
announcement about First Financial. The information could affect the stock
price. Since I was planning to buy some First Financial stock, can I go ahead
with my plan even though the information has not been released to the public? A.
No. You must not buy the stock until the information is released to the public.
In addition, you may not pass the information to anyone else until the
information is made public.

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44 Material nonpublic information may also include information about a client,
vendor, or other company that does business with First Financial, or that is
negotiating a significant transaction or agreement with First Financial. You are
similarly prohibited from conducting any transaction in the stock of any third
party about whom you have material nonpublic information. You also may not share
this information with anyone else. Contact the Corporate General Counsel if you
need guidance as to whether information you have is material or nonpublic or any
other concerns about insider trading before conducting any transactions in First
Financial shares of stock. Your obligations described in this section also apply
to any changes into or out of your FFBC Stock Fund in the First Financial
Bancorp 401(k) Savings Plan. Certain associates are subject to certain
additional requirements and may be restricted from engaging in any transaction
in First Financial shares of stock except during certain “open-window” periods.
If you are subject to these additional requirements and restrictions, you will
be notified by the Corporate General Counsel. Please review First Financial’s
Insider Trading Policy for more information about insider trading, what it
means, and what activities are prohibited.

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45 Disclosure First Financial has a responsibility to ensure full, fair,
accurate, timely, and understandable disclosure in reports and documents filed
or submitted to the U.S. Securities and Exchange Commission and stock exchanges,
as well as other public communications made by the Company. If you are involved
in preparing or providing information for the Company’s public disclosures, you
have a duty to ensure disclosures and information is in compliance with the
Company’s Disclosure Policy. Media and Shareholder Inquiries It is imperative
that we advance and protect First Financial and the brand by releasing
information to the public in a consistent manner. There are professionals at the
Company who are trained and qualified to release information to the public. It
is critical for compliance and accuracy of the information that only authorized
associates speak on behalf of the Company. You have a duty and responsibility to
refer all inquiries from the media relating to First Financial to the designated
Investor Relations or Communications Department representative. If you are not
authorized to speak on behalf of First Financial, any request you receive for
information from an outside person must be forwarded immediately to the
appropriate department. Q. A shareholder is inquiring about a rumor he recently
heard about First Financial and is anxious to find out if it is true. Even
though I know the information to be false, should I refer him to the investor
relations representative? A. Yes. You have a duty to direct him to the investor
relations representative to ensure shareholder inquiries are handled in a
consistent manner.

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46 Our Responsibilities to the Community Community Reinvestment We are committed
to ensuring that low and moderate income and minority individuals and
communities have access to the services and programs they need to build
financial stability and create healthy neighborhoods. We continuously seek
opportunities that support our community reinvestment activities. Charitable
Conduct and Donations We support the communities in which we operate through
various charitable donations and volunteer services when appropriate
opportunities arise. While other areas may be considered, specific target areas
for these activities include: Economic development programs that attract new
business and nurture enterprise development zones; Education programs that focus
on financial literacy or that support the economically disadvantaged, and
Neighborhood development programs that focus on neighborhood revitalization or
affordable housing initiatives. Charitable contribution opportunities are
considered and approved by senior management of First Financial. You should not
make any commitments concerning charitable contributions prior to receiving the
appropriate approvals. Doing the right thing is key to our success! Adopted:
October 2012

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