▸ Adverse external events outside of our control, such as natural disasters, acts of war or terrorism, new public health issues, could impact our business operations.· · · · ● 1 ▸ Failure to attract and/or retain key employees could impact our business operations.· · · · ● 1 ▸ Failure to keep pace or successfully adopt new technologies could adversely affect the results of our operations.· · · · ● 1 ▸ Local economic factors may adversely affect our business and the results of our operations.· · · · ● 1 ▸ Regulations related to information security, data protection and data privacy could expose us to regulatory risks, civil liabilities and increase our costs.· · · · ● 1 ▸ The Presidential Administration’s regulatory agenda could result in substantial impact to our regulatory compliance procedures and operations.· · · · ● 1 ▸ The regulations under which we operate are subject to change, which could result in restrictions and requirements that could detrimentally impact the results of our operations.· · · · ● 1 ▸ We operate in a highly regulated industry and compliance with regulations and/or regulatory actions could impact the results of our operations.· · · · ● 1 ▸ Weakness in the economy and governmental policies, whether or not adopted in response to economic conditions such as inflation, may adversely affect us.· · · · ● 1 ▸ Weakness in the secondary market for residential mortgage loans could affect our financial condition and results of operations.· · · · ● 1 ▸ In August 2019, First Financial acquired Bannockburn, which engages in various capital markets activities as part of its matched book business encompassing foreign exchange, interest rate, and commodity hedging transactions.· · · ● ● 2 rw ▸ Our financial condition, results of operations, and stock price may be negatively impacted by unrelated bank failures and negative depositor and/or investor confidence in depository institutions.· · · ● ● 2 rw ▸ Our loan portfolio and investments in mortgage-backed securities consist of a significant number of loans secured by real estate and other assets, the value of which can be affected by national and local market conditions.· · · ● ● 2 rw ▸ Increasing scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to our environmental, social and governance practices may impose additional costs on us or expose us to new or additional risks.· ● ● ● ● 4 ▸ Although we have implemented procedures we believe will reduce the potential effects of changes in interest rates on our results of operations, these procedures may not always be successful. In addition, any substantial or prolonged change in· · · ● · 1 ▸ Potential acquisitions may disrupt our business and dilute shareholder value, and we may not be able to successfully consummate or integrate such acquisitions.· · ● ● · 2 ▸ The economic impact of COVID-19 or any other pandemic could adversely affect our business, financial condition, liquidity, and results of operations.· · ● · · 1 ▸ The London Interbank Offered Rate (LIBOR) is used extensively in the United States and globally as a reference rate for various commercial and financial contracts, including adjustable rate mortgages, corporate debt, interest rate swaps and other· ● · · · 1 ▸ Any merger or acquisition opportunity that we decide to pursue will ultimately be subject to regulatory approval or other closing conditions. We may expend substantial time and resources pursuing potential acquisitions which may not be● · · · · 1 ▸ Consumers may decide not to use banks to complete their financial transactions, or deposit funds electronically with banks having no branches within our market area, which could affect net income.● ● ● ● · 4 ▸ Declining values of real estate, increases in unemployment, insurance market disruptions and the related effects on local economies may increase our credit losses, which could negatively affect our financial results.● ● ● · · 3 rw ▸ Our accounting policies and processes are critical to how we report our financial condition and results of operations.They require management to make estimates about matters that are uncertain.● ● ● · · 3 ▸ Our foreign exchange business is largely dependent upon a small number of large clients and market volatility.● ● ● · · 3 rw ▸ Regulatory actions could impact our ability to compete for new business, constrain our ability to fund our liquidity needs and increase the cost of our services.● ● ● ● · 4 rw ▸ The COVID-19 pandemic is adversely affecting our business, customers, employees, and third-party service providers, and the adverse impacts on our business, financial position, results of operations, and prospects could be significant.● ● · · · 2 rw ▸ We may be impacted by the transition from LIBOR as a reference rate.● ● ● · · 3 ▸ Weakness in the economy and in the real estate market, including specific weakness within our geographic footprint, may affect us, including requiring us to record additional loan loss provision or to charge off loans.● ● ● ● · 4 ▸ Weakness in the secondary market for residential mortgage loans could affect us.● ● ● ● · 4 rw ▸ A reduction in our credit rating could affect us or the holders of our securities.● ● ● ● ● 5 ▸ Changes in market interest rates or financial markets could affect our revenues and expenses, the value of assets and obligations, and the availability and cost of capital or liquidity.● ● ● ● ● 5 rw ▸ Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.● ● ● ● ● 5 ▸ Changes in tax laws could affect our performance.● ● ● ● ● 5 ▸ Clients could pursue alternatives to bank deposits, causing us to lose a relatively inexpensive source of funding.● ● ● ● ● 5 ▸ Competition in the financial services industry is intense and could result in our losing business and/or experiencing reduced margins.● ● ● ● ● 5 rw ▸ Disruptions in our ability to access capital markets on desirable terms may affect our capital resources, liquidity and business.● ● ● ● ● 5 ▸ Maintaining or increasing market share depends on market acceptance and regulatory approval of new products and services.● ● ● ● ● 5 ▸ Negative public opinion could damage our reputation and impact business operations and revenues.● ● ● ● ● 5 ▸ Our allowance for credit losses may prove to be insufficient to absorb losses in our loan portfolio.● ● ● ● ● 5 ▸ Our disclosure controls and procedures may not prevent or detect all errors or acts of fraud.● ● ● ● ● 5 ▸ Our financial instruments carried at fair value expose us to certain market risks.● ● ● ● ● 5 ▸ Our liquidity is dependent upon our ability to receive dividends from our subsidiaries, which accounts for most of our revenue and could affect our ability to pay dividends, and we may be unable to provide liquidity from other sources.● ● ● ● ● 5 rw ▸ Our revenues derived from investment securities may be volatile and subject to a variety of risks.● ● ● ● ● 5 ▸ Our wealth management business subjects us to a variety of investment and market risks.● ● ● ● ● 5 ▸ Projections for new business initiatives and strategies may prove inaccurate.● ● ● ● ● 5 ▸ group Risks Related to Economic and Market Conditions● ● ● ● ● 5 ▸ group Risks Related to Our Business● ● ● ● ● 5 ▸ group Risks Related to the Legal and Regulatory Environment● ● ● ● ● 5 ▸ Significant or sustained declines in our current market capitalization could impact the carrying value of our goodwill.● ● ● ● ● 5 ▸ The fiscal and monetary policies of the United States government and its agencies could have an effect on our earnings.● ● ● ● ● 5 ▸ The information that we use in managing our credit risk may be inaccurate or incomplete, which may result in an increased risk of default and otherwise have an effect on our business, results of operations and financial condition.● ● ● ● ● 5 ▸ Unauthorized use or disclosure of sensitive or confidential client or customer information, whether through a breach of our computer systems or otherwise, or other breaches in the security of our systems could harm our business.● ● ● ● ● 5 rw ▸ We continue to evaluate these risks on an ongoing basis.● ● ● ● ● 5 rw ▸ We may not pay dividends on our common shares.● ● ● ● ● 5 ▸ We rely on other companies to provide key components of our business infrastructure, creating risks of failures or disruptions by such companies and cybersecurity incidents which may involve our customers’ information.● ● ● ● ● 5 rw ▸ We rely on our systems, employees and certain counterparties, and certain failures or actions could affect our operations.● ● ● ● ● 5 rw ▸ Weaknesses of other financial institutions could affect us.● ● ● ● ● 5 
