Document:

ex101codeofconduct

CODE OF CONDUCT    

 

                           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         

 

               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.              

 

            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           

 

         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!        

 

         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.                    

 

         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.     

 

         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”.               

 

         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.     

 

         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.                  

 

         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.             

 

         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.                    

 

         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.     

 

         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.                     

 

         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.        

 

         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.                  

 

         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.        

 

         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.               

 

         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.        

 

         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;                  

 

         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.        

 

         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;                    

 

         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.            

 

         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.                  

 

         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.                 

 

         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;                  

 

         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.        

 

         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.                     

 

         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.        

 

         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.                    

 

         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.        

 

         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.                     

 

         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.           

 

         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.                  

 

         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.        

 

         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.                

 

         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.           

 

         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.                    

 

         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.           

 

         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.               

 

         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.           

 

         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.                  

 

         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.           

 

         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.               

 

         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.        

 

         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.                  

 

         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.        

 

         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.                

 

         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.           

 

         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 2012Ex 10.2 CEO and CFO Code of Ethics

EXHIBIT 10.2

CODE OF ETHICS FOR
THE CEO AND SENIOR FINANCIAL OFFICERS

This Code of Ethics applies to First Financial Bancorp's Chief Executive Officer, (“CEO”) and all Senior Financial Officers, including the Company's Chief Financial Officer (“CFO), principal accounting officer, controller and such other financial officers as the Audit Committee of the Board of Directors may from time to time designate (each a “Senior Financial Officer”).  First Financial Bancorp. has a Code of Business Conduct and Ethics applicable to all directors, officers and employees of the Company and its subsidiaries (collectively referred to as “Associates”).  The purpose of this Code of Ethics is to promote ethical conduct and compliance with the law, particularly as related to the maintenance of the Company's financial books and records and the preparation of its financial statements.  This Code of Ethics supplements the Code of Conduct and does not replace the Code of Conduct established for all Associates generally. 

 In addition to the Code of Conduct, the CEO and Senior Financial Officers are subject to the following additional specific policies:

1.  The CEO and all Senior Financial Officers are responsible for full, fair, accurate, timely and understandable disclosure in the periodic reports required to be filed by the Company with the Securities and Exchange Commission.  Accordingly, it is the responsibility of the CEO and each Senior Financial Officer promptly to bring to the attention of the Disclosure Committee any material information of which he or she may become aware that affects the disclosures made by the Company in its public filings.
2.  The CEO and each Senior Financial Officer shall promptly bring to the attention of the Audit Committee any information he or she may have concerning (a) significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and (b) any fraud, whether or not material, that involves management or other Associates who have a significant role in the registrant's internal control over financial reporting.
3.  The CEO and each Senior Financial Officer shall promptly bring to the attention of the general counsel or the CEO and to the Audit Committee any information that he or she may have concerning any violation of the Company's Code of Conduct or these additional policies.
4.  The CEO and each Senior Financial Officer shall promptly bring to the attention of the general counsel or the CEO and to the Audit Committee any information he or she may have concerning evidence of a material violation of the securities or other laws, rules or regulations applicable to the Company and the operation of its business, by the Company or any agent thereof.

ACKNOWLEDGMENT
By signing below, I acknowledge that I have received a copy of the First Financial Bancorp Code of Conduct as well as the Code of Ethics for the CEO and Senior Financial Officers.  I acknowledge that I have read the Code of Conduct and the Code of Ethics for the CEO and Senior Financial Officers and that I understand each document's contents.  I understand that a violation of either of these Codes may result in disciplinary action up to and including the termination of my employment with First Financial Bancorp.

______________________________
Signature

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Printed Name

______________________________
Title

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Date

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