FIRST FINANCIAL BANK PRICING INFORMATION ADDENDUM 

ANNUAL PERCENTAGE RATE (APR):  The APR for Purchases is the Prime Rate plus 6.74% or 8.74%. The 
APR for Cash Advances is the Prime Rate plus 6.74% or 8.74%. These APRs will vary with the market 
based on the Prime Rate. 

PAYING INTEREST:  Your due date is at least 27 days after the close of each billing cycle. We will not 
charge you any interest on purchases if you pay your entire balance by the due date each month. We 
will begin charging interest on cash advances on the transaction date. 

BALANCE COMPUTATION METHOD:  We use a method called average daily balance (including new 
purchases). 

CASH ADVANCE FEE:  None 

FOREIGN TRANSACTION FEE:  None 

LATE PAYMENT FEE:  Up to $35 

RETURNED PAYMENT FEE:  Up to $35 

TERMS AND CONDITIONS 

These Terms and Conditions (“Agreement”), the accompanying Summary of Credit Terms (“Summary”), 
any replacement Summary we provide to you, the card carrier we send with any credit card we issue on 
your account (“Card”), any documents accompanying your Card and the application you signed or 
otherwise submitted govern the use of your credit card account (“Account”).  The Summary, card carrier, 
accompanying documents, and application are part of and incorporated into this Agreement.  “You,” and 
“your” mean any person who signed or otherwise accepted an application for credit that we approved and 
anyone else such person permits to use the Card.  “We,” “us,” and “our,” mean First Financial Bank, N.A., 
Hamilton, Ohio, and its successors or assignees. 

If you have a secured Card, as a condition of approval or continuation of this Account, we have required 
you to maintain a Collateral Account and give us a security interest in that Collateral Account under a 
separate Secured Credit Card Collateral Account Agreement. 

1.  Use of Account.   

a. 

In General.  You can use your Account to (i) buy or lease goods and obtain services or 

insurance (“Purchases”) wherever the Card is honored, (ii) get instant cash loans by presenting your Card 
at any financial institution that accepts the Card or using special checks (“Convenience Checks”) or other 
means we may provide from time to time (“Cash Advances”) and (iii) transfer balances you owe to other 
creditors using means we may provide from time to time (“Balance Transfers”).  Except as otherwise 
provided in a Balance Transfer offer, Balance Transfers will be Cash Advances under this Agreement.  
You will owe us for all Purchases, Cash Advances and Balance Transfers charged by the use of the Card 
or Account, plus any other fees and costs (“Debits”) to your Account made under the terms Sections 8 
and 9 of this Agreement, plus any Interest, all payable in U.S. dollars and as required by this Agreement.  

 
 
 
 
 
 
 
The Card shall remain our property and we may at any time revoke its use and demand its immediate 
surrender pursuant to Section 11 of this Agreement.  You agree not to use your Card or Account for any 
transaction that may be illegal, or any transaction in connection with Internet gambling. 

b. 

Convenience Checks.  If we provide you with Convenience Checks, each Convenience 
Check may be used only by the person(s) whose name(s) is/are printed on it and must be completed and 
signed by such person(s) in the same manner as a regular personal check.  You may not use a 
Convenience Check to pay any amount owed to us or any entity now or hereafter affiliated with us 
through common ownership or control.  We do not have to pay (and may return unpaid) any Convenience 
Check if: 

•  The amount of the check would exceed your available Credit Line; 
•  We receive it after its expiration date; 
•  You are in default under this Agreement; 
•  Your Account is suspended or cancelled; 
•  The Convenience Check is postdated or stale.  This means the date you put on the Convenience 
Check is a date which is either (1) later than the date we get it or (2) more than six months before 
the date we get it; or  

•  You did not fully complete and/or sign the Convenience Check. 

If we pay a Convenience Check anyway, you still have to pay us the amount of that Convenience Check 
and any applicable interest or fees. 

You can ask us to stop payment on a Convenience Check.  Write us at 225 Pictoria Dr, Suite 800 – Card 
Services, Cincinnati, Ohio 45246 or call us at 1-800-221-8890.  If you call, you must confirm your stop 
payment request in writing within 14 days.  We cannot guarantee stop payment on Convenience Checks.  
We will not owe you anything if we fail to stop payment. 

We will not return paid Convenience Checks to you.  We will not certify any Convenience Check. 

2.  Credit Line.  Your Credit Line is listed on the documents accompanying your Card.  Your Credit Line 
may be changed from time to time and your current Credit Line will be listed on your monthly billing 
statement. 

3.  Statements and Payments.  If you have a balance on your Account, we will send you a monthly 
statement that will show, separately, your Purchases/Debits balance, your Cash Advance balance, your 
Balance Transfer balance, interest charges, the Minimum Payment due and the date the payment is due.  
You can pay all of your outstanding balance on your Account at any time, but you must make at least a 
Minimum Payment calculated as set forth in the Summary on or before the payment due date, which will 
be at least 27 days after the close of each billing cycle.  We will apply payments up to the required 
Minimum Payment received on your Account to the balances due on your Account in any order we select, 
subject to any limitations of applicable law.  We will apply any amounts in excess of the required 
Minimum Payment in accordance with applicable law. 

4.  Balance Subject to Interest.  We will calculate interest for each type of balance on your Account 
each cycle by multiplying the applicable daily or monthly periodic rate (as described in Sections 6 and 7 
below) by the balance subject to the interest rate (“Interest”) and, if your periodic rate is daily, the number 
of days in the billing cycle.  The balance subject to Interest for each type of balance is the “average daily 
balance” of your Account.  To get the average daily balance for each type of balance we (i) take the 
beginning balance of your Account each day, (ii) add any new transactions and Debits and (iii) subtract 
any payments, credits and unpaid Interest.  This gives us the daily balance.  Then, we add up all the daily 
balances for the billing cycle and divide the total by the number of days in the billing cycle.  This gives us 
the average daily balance. 

5.  When Interest Begins.  If you pay your entire balance (or a portion thereof) of new Purchases/Debits 
and any previously billed Interest for Cash Advances and Balance Transfers on or before the payment 

 
 
 
 
 
 
 
 
 
 
due date on the first statement showing the new Purchases/Debits, we will not charge Interest on such 
Purchases/Debits or such portions thereof, as applicable.  Otherwise, we will begin charging Interest on 
Purchases/Debits and Cash Advances and Balance Transfers on the date of the transaction (or, at our 
option, a later date).  There is no grace period for Cash Advances or Balance Transfers. 

6.  Periodic Rates.  The periodic rate or rates used to calculate Interest on your Account each billing 
cycle will be the Annual Percentage Rate (“APR”) divided by 12 (if your periodic rate is monthly) or 365 (if 
your periodic rate is daily).  Different periodic rates may apply to Purchases/Debits, Cash Advances and 
Balance Transfers.  The periodic rate(s) and corresponding APR(s) for your Account are set forth in the 
Summary or any Balance Transfer offer we may make. 

7.  Variable Rates.  If you have a variable rate account, the monthly periodic rate for each billing cycle 
will be the sum of (i) the Prime Interest Rate (“Index”) as quoted in the Money Rates Table of The Wall 
Street Journal on the 10th business day of the previous month and (ii) the Margin set forth in the 
Summary or Balance Transfer offer.  Any changes to the Index will be effective on the first day of the next 
billing cycle and will apply to new Purchases/Debits, Cash Advances and Balance Transfers and to the 
outstanding balance of your Account.  The APR may increase as often as each month if the Index 
increases.  If any APR increases, the amount of Interest and the Minimum Payment may increase.  If The 
Wall Street Journal ceases publication, we will select a new index and notify you of the change. 

8.  Fees.  We may charge the following fees. 

•  Annual Fee.  If applicable to your Account, we will charge you an Annual Fee at Account opening 
and each year thereafter on your anniversary date in the amount set forth in the Summary.  

•  Balance Transfer Fee.  Except as otherwise provided in any Balance Transfer offer, for any 

Balance Transfer, we will charge you a fee in the amount set forth in the Summary. 

•  Cash Advance Fee.  For any Cash Advance, we will charge you a fee in the amount set forth in 
the Summary.  This fee applies to all Cash Advances, including those made inside any bank 
lobby or at an ATM machine. 

•  Foreign Transaction Fee.  For any transaction you make outside the U.S. or in a currency other 
than U.S. dollars  including exchanges , we will charge you a fee in the amount set forth in the 
Summary. 

•  Late Payment Fee.  If we do not receive your Minimum Payment by six (6) days after the 

payment due date, we will charge a Late Payment Fee in the amount set forth in the Summary.  
The Late Payment Fee will be $25 ($35 if a payment is late again within six billing cycles) or the 
Minimum Payment due when the payment was late, whichever is less. 

•  Returned Payment Fee.  If any check or any instrument given for payment on the Account is 

dishonored for any reason, we will charge a Returned Payment Fee in the amount set forth in the 
Summary.  The Returned Payment Fee will be $25 ($35 if a payment is returned again within six 
billing cycles) or the Minimum Payment due immediately before the payment was returned, 
whichever is less. 

•  Returned Convenience Check Fee.  If we don’t pay a Convenience Check, we may charge a 

fee of $10, subject to any restrictions of applicable law.   

•  Stop Payment Fee.  If you ask us to stop payment on a Convenience Check, we may charge a 

fee of up to $10, whether or not we actually stop payment, subject to any restrictions of applicable 
law. 

 
 
 
 
 
 
 
 
 
 
 
 
9.  Default.  You will be in default if you (i) fail to make any required payment on your Account or any 
other account with us when due, (ii) die, (iii) file bankruptcy or become insolvent, (iv) exceed your Credit 
Line without permission or (v) have given us any false, misleading or incomplete information or signature.  
Following your default, we may exercise any rights the law allows, including, but not limited to, the rights 
to (i) reduce your Credit Line, (ii) suspend or cancel your Account, (iii) accelerate payment of all amounts 
owing on your Account (that is, we may declare all amounts owing on your Account to be due and 
payable immediately or according to such accelerated payment schedule as we require) and/or (iv) bring 
an action to collect amounts owed.  Unless required by law, we may take any of these actions without 
notice to you.  If we have to refer collection of the Account to an attorney or have to determine the non-
dischargeability of the debt in bankruptcy court, you will be responsible for our reasonable attorneys’ fees 
and any court costs, if allowed by law.  If we accelerate payment of your Account, the unpaid principal 
balance of your Account will bear interest until it is paid in full at a rate equal to the APR in effect on the 
date of acceleration and that APR will not vary with the market. 

10.  Lost or Stolen Cards.  The Card is not transferable.  If you notice the loss or theft of your Card or a 
possible unauthorized use of your Card, you should write to us immediately at 225 Pictoria Dr, Suite 800 
– Card Services, Cincinnati, Ohio 45246 or call us at 1-800-221-8890.  You will not be liable for any 
unauthorized use that occurs after you notify us.  You may, however, be liable for unauthorized use that 
occurs before your notice to us.  In any case, your liability will not exceed $50.  You may not use the Card 
or any other Cards in your possession with the same Account number after you have notified us, even if 
you get the Card back. 

11.  Cancellation.  You may cancel your Account at any time by notifying us, in writing, and returning the 
Card cut in half.  We may cancel or suspend your Account at any time and for any reason.  If we cancel 
your Account, you will destroy the Card by cutting it in half and will give it to us or our agent, or mail it to 
us.  If the Account is cancelled or suspended, you will pay us the amount you owe us as required by this 
Agreement. 

Use of the Account after notice of its cancellation or suspension is fraudulent and may subject you to 
legal proceedings. 

12.  Liability.  You will be liable individually and together for all Purchases, Cash Advances and Balance 
Transfers any of you make using the Card or Account and any Interest and Debits incurred under this 
Agreement. 

13.  Irregular Payments.  We can accept late payments or partial payments, or checks and money 
orders marked with “Payment in Full” or similar language, without losing any of our rights under this 
Agreement.  No payment will operate as an accord and satisfaction without our prior written approval.  All 
written communications concerning disputed amounts, including any check or other payment instrument 
that indicates that the payment constitutes “payment in full” of the amount owed or that is tendered with 
other conditions or limitations or as full satisfaction of a disputed amount, must be mailed or delivered to 
225 Pictoria Dr, Suite 800 – Card Services, Cincinnati, Ohio 45246. 

14.  Foreign Transactions.  The credit card association will convert any transaction in foreign currency 
into U.S. dollars using an exchange rate for the applicable central processing date that is (i) selected by 
the association from the range of rates available in wholesale currency markets, which rate may vary from 
the rate the association receives, or (ii) the government-mandated rate. 

15.  Information Sharing.  We may provide your personal data to credit card associations for the 
purpose of providing emergency cash and emergency card replacement services. 

16.  Credit Reports.  If you believe that we have inaccurate information about you or may report or have 
reported inaccurate information about you to a consumer reporting agency, you may notify us at 225 
Pictoria Dr, Suite 800 – Card Services, Cincinnati, Ohio 45246.  In doing so, please identify the 
inaccurate information and tell us why you believe it is inaccurate.  If you have a copy of the report that 
includes the inaccurate information, please send a copy of the report to us as well. 

 
 
 
 
 
 
 
 
17.  Waiver.  We won’t be considered to have waived our rights under this Agreement if we delay 
enforcing them. 

18.  Changes in Terms.  Subject to the limitations of applicable law, we may at any time change, add to, 
or delete any of the terms and conditions in this Agreement, including, but not limited to, Interest rates 
and fees and this Changes in Terms provision.  Such changes may be based, in whole or in part, upon 
factors including, but not limited to, anti-fraud policies and procedures, your record of making timely 
payments and staying within the established Credit Line on your Account with us, your credit score, and 
information contained in your credit report.  We will give you notice of any change, addition, or deletion as 
required by applicable law.  As of the effective date, the changed terms will apply to new 
Purchases/Debits, Cash Advances and Balance Transfers and to the outstanding balances of your 
Account, to the extent permitted by applicable law. 

19.  Governing Law.  This Agreement will be governed by federal law applicable to a national bank and, 
to the extent not preempted by federal law, the laws of the state of Ohio without regard to its conflicts of 
law provisions.  We have accepted this Agreement in the state of Ohio. 

20.  Special Offers.  From time to time, we may offer special promotions that have some terms that are 
different from the terms in this Agreement.  We will tell you the terms when we make the offer.  If you 
accept the offer, you agree to those terms.  Except where the special terms are different, the terms in this 
Agreement continue to apply to such offers. The terms in this Agreement also continue to apply to 
transactions that are not made under a special offer. 

21.  Severability.  In the event that any provision of this Agreement is determined to be invalid or 
unenforceable for any reason, the remaining provisions will remain in effect. 

22.  Entire Agreement; Interpretation.  This Agreement constitutes the final expression of the credit 
agreement between you and us relating to your Account.  The headings used in this Agreement are for 
the convenience of reference only and are not intended to define or describe the scope or intent of any 
portion of the Agreement. 

BILLING RIGHTS NOTICE 

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement 

If you think there is an error on your statement, write to us at the address listed on your bill. 

You may also contact us on the Web:  www.bankatfirst.com. 
In your letter, give us the following information: 
•  Account information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 

• 

Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake. 
You must contact us: 
•  Within 60 days after the error appeared on your statement. 

• 

At least 3 business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong. 
You must notify us of any potential errors in writing or electronically. You may call us, but if you do we 

are not required to investigate any potential errors and you may have to pay the amount in question. 

 
 
 
 
 
 
 
 
What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 
1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also 

tell you if we have already corrected the error.  

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we 

believe the bill is correct. 

While we investigate whether or not there has been an error: 

• 

We cannot try to collect any amount in question, or report you as delinquent on 

that amount. 

• 

The charge in question may remain on your statement, and we may continue to 

charge you interest on that amount.  

• 

While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance. 

• 

We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 

If we made a mistake: You will not have to pay the amount in question or any 

interest or other fees related to that amount.  

• 

If we do not believe there was a mistake: You will have to pay the amount in 

question, along with applicable interest and fees. We will send you a statement of the amount 
that you owe and the date payment is due. We may then report you as delinquent if you do 
not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 

telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
you as delinquent, and we must let those organizations know when the matter has been settled between 
us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 

question, even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and 
you have tried in good faith to correct the problem with the merchant, you may have the right not to pay 
the remaining amount due on the purchase.  

To use this right, all of the following must be true: 
1.  The purchase must have made in your home state or within 100 miles of your current mailing 
address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if 
your purchase was based on an advertisement we mailed to you, or if we own the company that sold you 
the goods or services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from 

an ATM or with a check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or 
electronically at the address listed on your bill or on the Web at www.bankatfirst.com. 

While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you 
do not pay, we may report you as delinquent. 
YOUR SIGNATURE:  Your signature, including any electronic or digital signature, on any Application or 
on any sales slip or other evidence of indebtedness on your Account represents your signature on this 
Agreement.   

OUR SIGNATURE: 

Alan B. Druso 
First Vice President 

First Financial Bank, N.A., Hamilton, Ohio 

Date Oct. 1, 2013 

____________________ 

SUMMARY OF CREDIT TERMS 

INTEREST RATE AND INTEREST CHARGES 

Annual Percentage Rate (APR) for Purchases:  9.99% or 11.99% 

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) for Cash Advances:  9.99% or 11.99% 

This APR will vary with the market based on the Prime Rate. 

Paying Interest:  Your due date is at least 27 days after the close of each billing cycle. We will not charge 
you any interest on purchases if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the transaction date. 

For Credit Card Tips from the Federal Reserve Board:  To learn more about factors to consider when 
applying for or using a credit card, visit the website of the Federal Reserve Board at 
http://www.FederalReserve.gov/CreditCard. 

FEES 

Annual Fees:  $0.00 

Transaction Fees 

* 

* 

Cash Advance:  None 

Foreign Transaction:  None 

Penalty Fees 

* 

* 

Returned Payment:  Up to $35 

Late Payment:  Up to $35 

 
 
 
 
 
 
How will we calculate your balance?:  We use a method called "average daily balance (including new 
purchases)." See your account agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is 
povided in your account agreement. 

Margin, Maximum APR and Periodic Rate with Corresponding APR: 

: Purchase Margin 6.74% or 8.74% 
: Purchases Periodic Rate .8325% or .9991% (corresponding APR of 9.99% or 11.99%) 
: Maximum Purchase APR 25.00% 
: Cash Margin 6.74% or 8.74% 
: Cash Advances Periodic Rate .8325% or .9991% (corresponding APR of 9.99% or 11.99%) 
: Maximum Cash APR 25.00% 

Minimum Payment Due:  The sum of (1) any amount over your Credit Line and (2) the greater of $10 or 
2% of your Account balance. 

This Summary of Credit Terms is part of the Terms and Conditions governing your Account. Please read 
it carefully and keep it for your records.