Dividend Reinvestment & Share Purchase Plan

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FIRST FINANCIAL BANCORP. (NASDAQ - FFBC)  

Shareholders can participate in a Dividend Reinvestment Plan and may elect to have cash dividends automatically reinvested in additional common shares, may purchase additional common shares by making optional cash payments, or may do both.

Below are several commonly asked questions and answers relating to the Dividend Reinvestment and Share Purchase Plan:

Who is eligible?
Any holder of record of 25 shares or more.

How will the program benefit me?
In place of receiving your dividends as you do now, we will, on your behalf, reinvest your cash dividend payments and purchase additional First Financial Bancorp shares in your name. Also, an optional feature of the plan permits you to make cash payments (minimum $100 – maximum $5,000 per quarter) for the purchase of additional shares.

Will there be a cost for participating in the plan?
Yes. The cost of service for each participant in the program will be $3.00 each quarter, for a total of $12.00 annually. There are other fees assessed for special requests such as $5.00 for each certificate requested, $7.50 for each deposit into the participant's plan account of shares held directly by the participant, and any applicable brokerage commission or other costs incurred by the administrator when the participant directs the administrator to sell the common shares held in the participant's plan account.

How will I know the number of shares I hold?
Following each purchase of additional shares, a statement of your account will be mailed to you at your address of record.

What if I join, but later decide I prefer receiving my dividends by check or direct deposit?
Participation in the plan is voluntary and may be terminated at any time. There could be, however, certain time restraints regarding the processing of a termination request should it fall on or near a dividend record date.

What if I have other questions about the plan?
Our plan is administered on our behalf by Registrar and Transfer Company, Dividend Reinvestment Department, 10 Commerce Drive, Cranford, New Jersey 07016. Please contact them with any questions you may have. The toll-free number is 1-800-368-5948, extension 7770.

Who can I contact at First Financial Bancorp if I have questions about the plan?
You should contact First Financial Bancorp Investor Relations / Shareholder Relations.

Investors and Shareholder Relations
513-979-5837

How do I participate in the plan?
Before enrolling in the plan, you should review the Dividend Reinvestment and Stock Purchase Plan Prospectus. To enroll in the plan, you will need to complete and submit a Dividend Reinvestment and Stock Purchase Plan Authorization Card.

Direct Deposit of Dividends
You can receive your cash dividends faster by having them electronically deposited directly to your checking or savings account at your local bank. Your dividends are available on the dividend payment date. To have your dividends electronically deposited in your bank account, please complete and submit a Direct Deposit of Dividends form.

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