First Financial Network, Inc.

NOTICE

Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof.

COPYRIGHT © 2004 First Financial Network, Inc. ALL RIGHTS RESERVED. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by First Financial Network, Inc. unless otherwise indicated.

USE OF INFORMATION AND MATERIALS

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of First Financial Network, Inc.'s web sites and systems including but not limited to unauthorized entry into First Financial Network, Inc.'s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by First Financial Network, Inc.

LINKS

This site may contain links to web sites controlled or offered by third parties (non-affiliates of First Financial Network, Inc.). First Financial Network, Inc. hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, First Financial Network, Inc. does not endorse or recommend any products or services offered or information contained at that web site, nor is First Financial Network, Inc. liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of First Financial Network, Inc. and the third party website may provide less security than the First Financial Network, Inc. site.

NO WARRANTY

The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". First Financial Network, Inc. does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

LIMITATION OF LIABILITY

In no event will First Financial Network, Inc. be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if First Financial Network, Inc., or representatives thereof, are advised of the possibility of such damages, losses or expenses.

SUBMISSIONS

All information submitted to First Financial Network, Inc. via this site shall be deemed and remain the property of First Financial Network, Inc. and First Financial Network, Inc. shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides First Financial Network, Inc. through this site. First Financial Network, Inc. shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the First Financial Network, Inc. entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing First Financial Network, Inc.'s responsibilities and obligations to customers in accordance with the First Financial Network, Inc. Privacy Promise for Consumers.

AVAILABILITY

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

ADDITIONAL TERMS

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

GOVERNING LAW

Use of this site shall be governed by all applicable federal laws of the United States of America and the laws of the State of Oklahoma.