SERVICES OFFERED BY FIRST FINANCIAL BANK, N.A. 2018

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Griffin Stewart
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1 SERVICES OFFERED BY FIRST FINANCIAL BANK, N.A First Financial Bank s products and services are standardized across the company. All branches have access to the same product offerings all at the same price. Branches also offer notary services, balance assistance, re-pinning debit cards, online banking and mobile banking troubleshooting and account printouts at no charge to the customer. Many locations have bilingual staff who can help. Specific products and services are listed below. Product information may also be obtained at FFIN.COM. PERSONAL 1. Checking a. First Checking/Free with estatement Account with no service charge offering a debit card, online and mobile banking with bill pay, and electronic statements at no charge. b. Interest Checking c. Heritage Checking Product for customers 62 and over including a debit card with ATM refunds, online and mobile banking including bill pay, check order annually at no charge and pays interest. d. WOW! Checking The Bank s primary checking option. Offers debit card, online banking, mobile banking and bill pay, along with estatement, other discounts and offers. Monthly service charge can be reduced to $0 with debit card activity. e. Premier Checking Checking account with debit card, online banking, mobile banking, bill pay and estatements at no charge. Services include money orders, cashier checks, notary services and branded checks also at no charge. The account pays interest and includes a monthly service charge if a minimum balance of $10,000 is not maintained. f. Bounceback Checking Checking account offered to individuals with paid charge-off checking account, offering an ATM card, online and mobile banking with a small monthly maintenance fee. 2. Savings a. Traditional b. Kid s c. Health Savings Accounts (HSA) Accounts authorized by the Federal government for qualifying consumers to pay certain medical expenses. 3. CDs & IRAs a. Personal CDs b. Traditional IRA c. Roth IRA

2 4. Personal Broker Services (offered through First Financial Investment Advisors) a. Products 1. Mutual Funds 2. US Government Securities 3. Corporate Bonds 4. Municipal Bonds 5. Individual Stocks 6. Unit Investment Trusts (UITs) Plans 8. Fixed Annuities 9. Variable Annuities 10. Brokered CDs 11. Money Markets 12. Long Term Care Insurance 13. Life Insurance 14. Online Trading b. Services 1. College Planning 2. Retirement Planning 3. Portfolio Planning 4. Portfolio Evaluation 5. Asset Allocation Plan 5. Mortgage Loans a. FHA b. VA c. Texas Vet d. Conventional e. USDA f. Second Liens g. Investment Properties h. Bridge Loans i. Construction Loans j. Home Improvement k. Low to Moderate Income l. Adjustable Rate Mortgages (ARMs) 6. Consumer Credit Cards 7. Auto Loans 8. Recreational Loans 9. Home Equity Loans and Home Equity Lines of Credit 10. Personal Loans and Private Lines of Credit

3 11. CD Secured Loans 12. Mobile Banking a. Picture Pay b. View Account Balances and Transactions c. Transfer Funds and Make Loan Payments d. View Front and Back Images of Paid Checks e. Locate nearby ATMs and Branches f. Set Account Nicknames and Display Preferences g. Deposit Checks Using Mobile Check Deposit up to $2500/item h. Debit Card On/Off Privileges i. Security Alerts j. Auto-Login and PIN Login k. Versions available for Android/iPhone/iPad 13. Debit Card Services a. Text Alerts b. Custom Card Designer c. Go Global Universal ATM card with the ability to send money worldwide. Funds can be monitored though both online and mobile banking and does not require an FFB account. It is offered with no monthly maintenance fee and provides free monthly statements. d. Access to any Stripes Convenience Store ATM with no service charge. 14. Online Banking with Bill Pay 15. ATMs with Deposit-Taking Capability 16. Phone Center 17. Domestic and International Wire Transfer TREASURY MANAGEMENT 1. Business Online Banking 2. ACH Origination 3. Cash Concentration 4. Check Fraud Prevention 5. Direct Deposit 6. Overnight Investments 7. Remote Deposit 8. Payroll Cards 9. Merchant Services

4 BUSINESS BANKING 1. Checking a. Business Basic Checking b. Business Basic Plus Checking c. Business Account Analysis Checking d. Business Interest Checking e. Business Money Market 2. Savings a. Business Savings b. Employee Health Savings Accounts 3. Business Online Banking a. View account balances, account details and specific transaction information b. View and download transaction history and account statements c. Transfer funds between linked First Financial Accounts (Real-Time, Scheduled, Recurring) d. Stop Payment e. Send and receive secure communications f. Pay bills to any merchant or individual with a US address g. Receive automated activity and security alerts via voice, SMS, or 4. Business Mobile Banking a. View Account Balances and Transactions b. Transfer Funds and Make Loan Payments c. Create Domestic Wires d. Account and Security Alerts e. Locate nearby ATMs and Branches f. Set Account and Display Preferences Approve, Cancel or View All Transactions g. Send and View Secure Messages h. Versions available for Android/iPhone/iPad 5. Commercial Loans a. Working Capital Loans b. Agriculture Loans c. Equipment Loans d. Floor Plan Loans e. Commercial Real Estate Loans f. Residential Construction Loans g. Letters of Credit 6. Retail Finance four programs to provide businesses an opportunity to offer financing for goods and services at no- or low-interest installment contracts. 7. Professional Services a. Personal Loans b. Working Capital Loans c. Partnership Buy-In Loans d. Equipment Loans e. Real Estate Loans f. Debt Consolidation Loans

5 8. Business Banking Services a. Business Online Banking b. Zero Balance Accounts c. Cash Concentration d. Overnight Investments 9. ACH Services a. Direct Deposit b. Direct Payments c. Block/Filter Capability 10. Payroll Cards offered by employers for employees who may not qualify for deposit accounts 11. Domestic and International Wire Transfers with Token Credentials 12. Remote Deposit 13. Business Credit Cards 14. Credit Card Services 15. Lockbox Services 16. Positive Pay 17. Statement on CD TRUST & WEALTH MANAGEMENT 1. Trust Management 2. Estate Management 3. Investment Management 4. Oil & Gas Management 5. Real Estate & Property Management a. Residential/Commercial Management b. Farm & Ranch Management c. Wind Energy Leasing 6. Company Retirement Planning a. Profit Sharing Plan b. 401(k) Plans c. Simplified Employee Pension Plan (SEP) d. IRA Rollover

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