HFBC HopFed Bancorp Inc

If you hold any HopFed shares through a bank, broker, or other nominee, you will need to follow the instructions of the bank, broker, or other nominee to make your election. Be sure to follow the instructions of your bank, broker, or other nominee carefully, as they may impose an earlier election deadline and/or procedures different from those described above. You should contact your bank, broker, or other nominee if you have any questions regarding their instructions. Please note, if you do not make a valid election on or before the Election Deadline, you will have no control over the type of merger consideration you will receive. Your shares of HopFed common stock will be considered “non-election” shares and will be converted into the right to receive the Stock Consideration, the Cash Consideration, or a combination of the Stock and Cash Consideration depending on the elections made by other HopFed stockholders and the allocation provisions in the Merger Agreement. Further description of the Merger and Merger Agreement is included in the Proxy Statement/Prospectus. If you have not received or have misplaced your copy of the Proxy Statement/Prospectus (or any portion thereof), copies are available, free of charge, on HopFed’s website at www.bankwithheritage.com or from the information agent (see below). You may also obtain free copies of the Proxy Statement/Prospectus and other documents that are filed with or furnished to the Securities and Exchange Commission (“SEC”) by HopFed and First Financial through the website maintained by the SEC at www.sec.gov. The information contained in the Proxy Statement/Prospectus is current as of June 12, 2019, and does not reflect subsequent developments. However, the Proxy Statement/Prospectus incorporates by reference subsequent filings with the SEC by HopFed and First Financial. You should rely only on the information contained in or incorporated by reference in the Proxy Statement/Prospectus. We have not authorized anyone to provide you with information that is different from what is contained in or incorporated by reference in those documents. You are encouraged to read the Merger Agreement, Proxy Statement/Prospectus (including the annexes and information incorporated reference), and all of the election materials, carefully and in their entirety before making your election. If you have any questions or need assistance, please contact the information agent in connection with the election process as follows: D.F. King & Co., Inc. 48 Wall Street – 22nd Floor New York, NY 10005 Telephone: 800-290-6427 Your submission of an Election Form does NOT constitute a vote on the Merger Agreement. In order to vote your HopFed shares on the Merger Agreement, you must complete, sign, date, and return the proxy card included with the Proxy Statement/Prospectus, or vote through the Internet or by telephone, or attend the special meeting of HopFed stockholders described in the Proxy Statement/Prospectus and vote in person at the meeting. Thank you for your prompt attention to this important matter. Norman L. Lowery President and Chief Executive Officer First Financial Corporation John E. Peck President and Chief Executive Officer HopFed Bancorp, Inc.

CERTIFICATION AND SIGNATURE(S) The undersigned represents and warrants that I (we) have full power and authority to complete and deliver this Election Form, to make the election set forth above, and to deliver for surrender and cancellation the shares of HopFed common stock described above. The undersigned represents and warrants that the shares of HopFed common stock described above are free and clear of all liens, restrictions, charges, and encumbrances and are not subject to any adverse claim. If the Exchange Agent requests, the undersigned agrees to execute and deliver any additional documents necessary or desirable to complete the exchange of the shares of HopFed common stock described above for the merger consideration. All authority that the undersigned confers by this Election Form will survive my (our) death or incapacity, and all of my (our) or its obligations hereunder will be binding on my (our) or its heirs, personal representatives, successors, and/or assigns. The undersigned acknowledges that this Election Form, together all other necessary documentation, will not be deemed delivered until the foregoing is actually received by the Exchange Agent. Until then, the risk of loss and title to the shares of HopFed common stock surrendered will not pass to the Exchange Agent. The undersigned acknowledges receipt of the Proxy Statement/Prospectus. BOX C SIGNATURE(S) GUARANTEED (IF REQUIRED) (See Instructions 8 and 9) Unless the shares are tendered by the registered holder(s) of the common stock and Box D is not completed or are for the account of an Eligible Institution (as defined in the instructions), signatures must be guaranteed. (See Instructions 8 and 9) Authorized Signature Name of Firm Address of Firm – Please Print BOX B YOU MUST SIGN BELOW. Also: Sign and provide your tax ID number on the enclosed IRS Form W-9. SIGNATURE(S) REQUIRED Signature(s) of Registered Holder(s) or Agent Must be signed by the registered holder(s) EXACTLY as name(s) appear(s) on stock certificate(s) or book-entry account. If signature is by a trustee, executor, administrator, guardian, attorney-in-fact, officer of an entity, or other person acting in a fiduciary or representative capacity, please set forth full title. (See Instruction 7) Signature of Registered Holder Signature of Registered Holder Title, if any Date: , 2019 Telephone No.:

IMPORTANT TAX INFORMATION FAILURE TO COMPLETE THE ENCLOSED IRS FORM W-9 MAY RESULT IN BACKUP WITHHOLDING OF A SUBSTANTIAL PERCENTAGE OF ANY PAYMENT OR DISTRIBUTIONS MADE TO YOU PURSUANT TO THE MERGER (See Instruction 14) Under U.S. Federal income tax law, a non-exempt stockholder that is a U.S. person is required to provide the Exchange Agent with such stockholder’s correct Taxpayer Identification Number (“TIN”) and certify that such stockholder is not subject to backup withholding by completing an IRS Form W-9, a copy of which is included herewith. If the shares(s) being surrendered are in more than one name or are not in the name of the actual owner, consult the enclosed IRS Form W-9 instructions for additional guidance on which number to report. Failure to provide the information on the form may subject the surrendering stockholder to federal backup withholding tax at the applicable rate on the payment of any cash. If the Exchange Agent is not provided with a TIN before payment is made, the Exchange Agent will withhold at the applicable rate on all payments to such surrendering stockholders of any cash due in exchange for their former shares of HopFed common stock. Please review the enclosed instructions to IRS Form W -9 for additional details on what TIN to give the Exchange Agent. If the stockholder does not provide the Exchange Agent with the correct TIN, the stockholder may be subject to a penalty imposed by the IRS. To prevent backup withholding, stockholders that are not U.S. persons should use the appropriate IRS Form W-8, which may be obtained from the Exchange Agent or on the IRS’ website (https://www.irs.gov/). Certain stockholders may be exempt recipients not subject to these backup withholding requirements. To avoid possible erroneous backup withholding, exempt U.S. persons, while not required to file IRS Form W -9, should complete and return the IRS Form W-9. If a TIN has not been issued to a surrendering stockholder and such stockholder has applied for a number or intends to apply for a number in the near future, such stockholder must write “Applied For” in the space for the TIN on the enclosed IRS Form W-9. If a TIN has been applied for and the Exchange Agent is not provided with a TIN before payment is made, backup withholding will apply to all payments to such surrendering stockholders of any cash due for their former shares. Please review the instructions included on the enclosed IRS Form W-9 for additional information. Failure to complete the IRS Form W-9 or the appropriate IRS Form W-8, as applicable, will not, by itself, cause your stock certificate(s) to be deemed invalidly transferred, but may require the Exchange Agent to backup withhold, at the applicable backup withholding rate, on any payments of cash made pursuant to the Merger. Backup withholding is not an additional federal income tax. Rather, the federal income tax liability of a person subject to backup withholding will be reduced by the amount of tax withheld. If withholding results in the overpayment of taxes, a refund may generally be obtained from the IRS, provided that the required information is timely furnished to the IRS. Neither First Financial, HopFed, the Exchange Agent, nor the Information Agent will be liable for any overpayment of taxes. You should consult your own tax advisor regarding (i) your qualifications for exemption from backup withholding, (ii) the procedure for obtaining the exemption, and (iii) the applicable backup withholding rate. IN ORDER FOR YOUR ELECTION TO BE EFFECTIVE, YOU MUST SUBMIT A PROPERLY COMPLETED IRS FORM W-9 OR APPROPRIATE IRS FORM W-8, AS APPLICABLE, WITH YOUR ELECTION FORM WHICH IS RECEIVED BY THE EXCHANGE AGENT ON OR BEFORE THE ELECTION DEADLINE.

INSTRUCTIONS TO ELECTION FORM 1.Election; Election Deadline; Delivery. This Election Form is being delivered in connection with the Merger Agreement. A copy of the Merger Agreement in included as Annex A to the Proxy Statement/Prospectus. If you were a holder of HopFed common stock as of the close of business on May 30, 2019, the record date for the special meeting of HopFed stockholders which is being held on July 23, 2019 to vote upon, among other thing, the adoption of the Merger Agreement (the “Record Date”), you should have received by now (or your bank, broker, or other nominee should have made available to you) a copy of the Proxy Statement/Prospectus. If you were not a holder of HopFed common stock on the Record Date, but have acquired shares prior to the Election Deadline, or you have not received or have misplaced your copy of the Proxy Statement/Prospectus (or any portion thereof), copies are available, free of charge, on HopFed’s website at www.bankwithheritage.com or from the Information Agent (see Instruction 16). You may also obtain free copies of the Proxy Statement/Prospectus and other documents that are filed with or furnished to the Securities and Exchange Commission (“SEC”) by HopFed and First Financial through the website maintained by the SEC at www.sec.gov. The information contained in the Proxy Statement/Prospectus is current as of June 12, 2019, and does not reflect subsequent developments. However, the Proxy Statement/Prospectus incorporates by reference subsequent filings with the SEC by HopFed and First Financial. You should rely only on the information contained in or incorporated by reference in the Proxy Statement/Prospectus. We have not authorized anyone to provide you with information that is different from what is contained in or incorporated by reference in those documents. For a full discussion of the Merger and the election procedures, see the Merger Agreement and the Proxy Statement/Prospectus. You are encouraged to read the Merger Agreement, Proxy Statement/Prospectus (including the annexes and information incorporated reference), and all of the election materials, carefully and in their entirety before making your election. To be effective, an Election Form, properly completed and signed, and, with respect to certificated shares, together with the stock certificate(s) representing your shares of HopFed common stock (or, if applicable, a properly completed and signed Notice of Guaranteed Delivery), and a completed IRS Form W-9 or the appropriate IRS Form W-8, as applicable, and any other documentation reasonably required by the Exchange Agent, must be received by the Exchange Agent, at the below address, on or before the Election Deadline, which is 5:00 p.m., Eastern Time, on July 23, 2019. HopFed stockholders who hold their shares in electronic book-entry form do not need to include any stock certificate(s) with their Election Form. If you hold your shares through a bank, broker, or other nominee, you may be subject to an earlier deadline and should seek instruction from your bank, broker, or other nominee. If delivering by mail, hand, or courier: American Stock Transfer & Trust Company, LLC Operations Center Attn: Reorganization Department 6201 15th Avenue Brooklyn, New York 11219 If you have any questions concerning the election procedures or if you need additional information, please contact the Information Agent as provided below (see Instruction 16). Do not send any election materials or documents to First Financial, HopFed, or any other person, or with your proxy card as they will not be forwarded to the Exchange Agent. You may choose any method to deliver your election materials or documents; however, you assume all risk of non-delivery. If you choose to use the mail, we recommend that you use registered mail, return receipt requested, and that you properly insure all stock certificates. Delivery of stock certificates will be considered effective, and risk of loss and title to stock certificates will pass, only when those stock certificates are actually received by the Exchange Agent. If you are surrendering your HopFed common stock via Notice of Guaranteed Delivery, see Instruction 11 below.

2.Description of Shares. Insert in Box A the stock certificate number(s) of the HopFed common stock that you are surrendering herewith and, regardless of the form in which shares are held, the number of shares of HopFed common stock being surrendered. If the space provided is insufficient, attach a separate sheet listing this information. 3.Election Options. On the page entitled “Election,” indicate whether you would prefer to receive, in exchange for your shares of HopFed common stock, the Stock Consideration, the Cash Consideration, or a combination of the Stock and Cash Consideration. Alternatively, you may indicate that you have no preference as to the form of merger consideration that you will receive. Mark only one selection. Notwithstanding your election, all elections submitted by HopFed stockholders are subject to the allocation provisions specified in the Merger Agreement which provide for a targeted aggregate split of 50% of shares of HopFed common stock being exchanged for the Stock Consideration and 50% of shares of HopFed common stock being exchanged for the Cash Consideration. The Merger Agreement further provides an allocation mechanism depending on whether the Stock Consideration is oversubscribed or undersubscribed. Therefore, you may receive First Financial common stock and/or cash in an amount that is not consistent with your election, depending upon the elections of other HopFed stockholders. HopFed stockholders who are deemed to have made a non-election will receive the Stock Consideration, the Cash Consideration, or a combination of the Stock and Cash Consideration depending on the elections made by other HopFed stockholders and the allocation provisions in the Merger Agreement. Neither First Financial, HopFed, the Exchange Agent, nor the Information Agent makes any recommendation about whether a HopFed stockholder should elect to receive the Stock Consideration, the Cash Consideration, or a combination of the Stock and Cash Consideration. Each HopFed stockholder must make their own decision about the election. 4.Revocation or Change of Election; Transfer After Making an Election. You may revoke your election at any time prior to the Election Deadline, and you may either resubmit a new election or simply withdraw your prior election. If you wish to change an election, you must resubmit an Election Form, so long as the resubmitte d Election Form is received on or before the Election Deadline. If you wish to withdraw your election, you must provide written notice of withdrawal to the Exchange Agent on or before the Election Deadline. In the event of a withdrawal of an election, the Exchange Agent will, upon receiving a written request from you, return the stock certificate(s) representing shares of HopFed common stock (or the Notice of Guaranteed Delivery), and you will be deemed not to have made an election and your shares of HopFed common stock will be treated as non-election shares unless you resubmit another Election Form in accordance with the election procedures. If you desire to transfer any shares of HopFed common stock as to which a valid election has been made, you will be required to first revoke your election. In addition, any purchaser of your shares would acquire shares as to which no election had been made, and would have to make a new election as to those shares. 5.Surrender of Stock Certificates. For any election contained herein to be effective, this Election Form must be accompanied by the stock certificate(s) representing your shares of HopFed common stock (or, if applicable, a properly completed and signed Notice of Guaranteed Delivery - see Instruction 11) and any required accompanying evidences of authority. 6.Termination of Merger. All Election Forms will be void and of no effect if the Merger Agreement is terminated. The Exchange Agent will promptly return stock certificates representing shares of HopFed common stock after being notified of such termination. Stock certificates representing shares of HopFed common stock held directly by HopFed stockholders will be returned by registered mail. The Exchange Agent will use commercially reasonable efforts to cooperate with HopFed and HopFed stockholders to facilitate return of stock certificates in the event of termination of the Merger Agreement, but return of stock certificates other than by registered mail will only be made at the expense, written direction, and risk of HopFed stockholders, accompanied by a pre-paid, pre-addressed return courier envelope sent to the Exchange Agent. 7.Signatures. The signature (or signatures, in the case of stock certificates or book-entry accounts owned by two or more joint holders) on the Election Form should correspond exactly with the name(s) as written on the face of the stock certificate(s) or book-entry account unless the shares of HopFed common stock described on the Election Form have been assigned by the registered holder(s), in which event the Election Form should be signed in exactly the same form as the name of the last transferee endorsed on the stock certificate(s) or indicated on the stock power(s) accompanying the stock certificate(s). If this Election Form is signed by a person(s) other than the registered holder(s) of the stock certificate(s) listed, the stock certificate(s) must be endorsed or accompanied by appropriate stock power(s), in either case signed by the registered holder(s) in the name(s) that appears on the stock certificate(s), and the

signature(s) appearing on such endorsement(s) or stock power(s) and on the Election Form must be guaranteed by an Eligible Institution (as defined below). If the Election Form is signed by a trustee, executor, administrator, guardian, officer of an entity, attorney-in-fact, or by any other person acting in a representative or fiduciary capacity, the person signing must give such person’s full title in such capacity, and appropriate evidence of authority to act in such capacity must be forwarded to the Exchange Agent with the Election Form. If any shares of HopFed common stock are registered in different names on several stock certificates or book-entry accounts, it will be necessary to complete, sign, and submit as many separate Election Forms as there are different registrations. 8.Guarantee of Signatures. No signature guarantee is required on the Election Form if (a)(i) the Election Form is signed by the registered holder(s) of the shares surrendered and (ii) such registered holder(s) has not completed Box D entitled “Special Issuance/Payment Instructions” or (b) such shares are surrendered for the account of a firm that is a bank, broker, dealer, credit union, savings association, or other entity which is a member in good standing of the Securities Transfer Agents’ Medallion Program (each, an “Eligible Institution”). In all other cases, all signatures on the Election Form must be guaranteed by an Eligible Institution. 9.Special Issuance/Payment Instructions. If shares of First Financial common stock are to be registered in and/or a check is to be made payable to the order of a name other than exactly the name(s) that appear(s) on the stock certificate(s) or book-entry account representing shares of HopFed common stock being submitted herewith, indicate the name(s) and address in Box D entitled “Special Issuance/Payment Instructions.” In such case, stock certificate(s) submitted herewith must be endorsed or accompanied by appropriate stock power(s), in either case signed by the registered holder(s) in the name(s) that appear on the stock certificate(s), and the signature(s) appearing on such endorsement(s) or stock power(s) and on the Election Form must be guaranteed by an Eligible Institution. If Box D entitled “Special Issuance/Payment Instructions” is completed, then signature(s) on the Election Form must be guaranteed by an Eligible Institution. 10. Special Delivery Instructions. If shares of First Financial common stock and/or check is to be delivered to an address other than the one set forth on the front of the Election Form, indicate the address in Box E ent itled “Special Delivery Instructions.” 11. Notice of Guaranteed Delivery. If your HopFed stock certificate(s) cannot be delivered to the Exchange Agent by the Election Deadline, you may still submit an election by properly completing and duly executing the enclosed Notice of Guaranteed Delivery and returning it, along with an Election Form and other required documentation, to the Exchange Agent prior to the Election Deadline. The undersigned hereby acknowledges that if the stock certificate(s) is not delivered to the Exchange Agent on or before 5:00 p.m., Eastern Time, on the third NASDAQ Stock Market trading day after the Election Deadline, the election made on the Election Form will not be valid and the undersigned’s shares will be deemed to be non-election shares. 12. Resolution of Disputes. The Exchange Agent shall have reasonable discretion to determine whether any election, revocation, or change has been properly or timely made and to disregard immaterial defects in any Election Form, and any good faith decisions of the Exchange Agent regarding such matters shall be binding and conclusive. Neither First Financial, HopFed, the Exchange Agent, nor the Information Agent shall be under any obligation to notify any person of any defect in an Election Form. 13. Lost, Stolen, or Destroyed Certificates. If you are unable to locate a HopFed stock certificate, the Exchange Agent will send you additional documentation that you must complete in order to exchange your lost, stolen, or destroyed certificates. There may be a fee to replace lost certificates. You should contact the Exchange Agent as follows with respect to lost, stolen, or destroyed certificates: American Stock Transfer & Trust Company, LLC 6201 15th Avenue Brooklyn, NY 11219 Telephone: (877) 248-6417 or (718) 921-8317 14. IRS Form W-9. Under U.S. federal income tax law, the Exchange Agent is required to file a report with the IRS disclosing certain cash payments it makes to holders of HopFed common stock. Unless an exemption applies, you must provide the Exchange Agent with your correct TIN and make a certification on IRS Form W-9 (or the appropriate IRS Form W-8, as applicable) to avoid “backup withholding” of federal income tax on any cash received in connection

with the Merger. An IRS Form W-9 is enclosed with the Election Form (the appropriate IRS Form W-8 may be obtained from the Exchange Agent or on the IRS’ website (https://www.irs.gov/)). In order for your election to be effective, you must submit a properly completed IRS Form W-9 or appropriate IRS Form W-8, as applicable, with your Election Form which is received by the Exchange Agent on or before the Election Deadline. Please see the section entitled “Important Tax Information” and the instructions included on IRS Form W-9 for additional information. 15. Stock Transfer Taxes. It will be a condition to the issuance of any shares of First Financial common stock and/or check in any name(s) other than the name(s) in which the surrendered certificate(s) or book-entry account for shares of HopFed common stock is (are) registered that the person(s) requesting the issuance of such shares and/or check either pay to the Exchange Agent any transfer or other taxes required by reason of such issuance, or establish to the satisfaction of the Exchange Agent that such tax has been paid or is not applicable. 16. Questions and Requests for Information or Assistance. If you have any questions concerning the election procedures or if you need additional information, please contact the Information Agent as follows: D.F. King & Co., Inc. 48 Wall Street – 22nd Floor New York, NY 10005 Telephone: 800-290-6427

requester. Do not TIN, later. or Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me); and 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and 3. I am a U.S. citizen or other U.S. person (defined below); and 4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the instructions for Part II, later. U.S. person  Date  General Instructions Section references are to the Internal Revenue Code unless otherwise noted. Future developments. For the latest information about developments related to Form W-9 and its instructions, such as legislation enacted after they were published, go to www.irs.gov/FormW9. Purpose of Form An individual or entity (Form W-9 requester) who is required to file an information return with the IRS must obtain your correct taxpayer identification number (TIN) which may be your social security number (SSN), individual taxpayer identification number (ITIN), adoption taxpayer identification number (ATIN), or employer identification number (EIN), to report on an information return the amount paid to you, or other amount reportable on an information return. Examples of information returns include, but are not limited to, the following. • Form 1099-INT (interest earned or paid) • Form 1099-DIV (dividends, including those from stocks or mutual funds) • Form 1099-MISC (various types of income, prizes, awards, or gross proceeds) • Form 1099-B (stock or mutual fund sales and certain other transactions by brokers) • Form 1099-S (proceeds from real estate transactions) • Form 1099-K (merchant card and third party network transactions) • Form 1098 (home mortgage interest), 1098-E (student loan interest), 1098-T (tuition) • Form 1099-C (canceled debt) • Form 1099-A (acquisition or abandonment of secured property) Use Form W-9 only if you are a U.S. person (including a resident alien), to provide your correct TIN. If you do not return Form W-9 to the requester with a TIN, you might be subject to backup withholding. See What is backup withholding, later. Form W-9 (Rev. 10-2018) Cat. No. 10231X Sign Here Signature of Note: If the account is in more than one name, see the instructions for line 1. Also see What Name and Number To Give the Requester for guidelines on whose number to enter. Employer identification number – Part II Certification Form W-9 (Rev. October 2018) Department of the Treasury Internal Revenue Service Request for Taxpayer Identification Number and Certification  Go to www.irs.gov/FormW9 for instructions and the latest information. Give Form to the send to the IRS. Print or type. See Specific Instructions on page 3. 1 Name (as shown on your income tax return). Name is required on this line; do not leave this line blank. 2 Business name/disregarded entity name, if different from above 3 Check appropriate box for federal tax classification of the person whose name is entered on line 1. Check only one of the following seven boxes. Individual/sole proprietor or C Corporation S Corporation PartnershipTrust/estate single-member LLC Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=Partnership)  Note: Check the appropriate box in the line above for the tax classification of the single-member owner. Do not check LLC if the LLC is classified as a single-member LLC that is disregarded from the owner unless the owner of the LLC is another LLC that is not disregarded from the owner for U.S. federal tax purposes. Otherwise, a single-member LLC that is disregarded from the owner should check the appropriate box for the tax classification of its owner. 4 Exemptions (codes apply only to certain entities, not individuals; see instructions on page 3): Exempt payee code (if any) Exemption from FATCA reporting code (if any) (Applies to accounts maintained outside the U.S.) Other (see instructions)  5 Address (number, street, and apt. or suite no.) See instructions. Requester’s name and address (optional) 6 City, state, and ZIP code 7 List account number(s) here (optional) Part I Taxpayer Identification Number (TIN) Enter your TIN in the appropriate box. The TIN provided must match the name given on line 1 to avoid backup withholding. For individuals, this is generally your social security number (SSN). However, for a resident alien, sole proprietor, or disregarded entity, see the instructions for Part I, later. For other entities, it is your employer identification number (EIN). If you do not have a number, see How to get a Social security number – –

Page 5 Form W-9 (Rev. 10-2018) 1. Interest, dividend, and barter exchange accounts opened before 1984 and broker accounts considered active during 1983. You must give your correct TIN, but you do not have to sign the certification. 2. Interest, dividend, broker, and barter exchange accounts opened after 1983 and broker accounts considered inactive during 1983. You must sign the certification or backup withholding will apply. If you are subject to backup withholding and you are merely providing your correct TIN to the requester, you must cross out item 2 in the certification before signing the form. 3. Real estate transactions. You must sign the certification. You may cross out item 2 of the certification. 4. Other payments. You must give your correct TIN, but you do not have to sign the certification unless you have been notified that you have previously given an incorrect TIN. “Other payments” include payments made in the course of the requester’s trade or business for rents, royalties, goods (other than bills for merchandise), medical and health care services (including payments to corporations), payments to a nonemployee for services, payments made in settlement of payment card and third party network transactions, payments to certain fishing boat crew members and fishermen, and gross proceeds paid to attorneys (including payments to corporations). 5. Mortgage interest paid by you, acquisition or abandonment of secured property, cancellation of debt, qualified tuition program payments (under section 529), ABLE accounts (under section 529A), IRA, Coverdell ESA, Archer MSA or HSA contributions or distributions, and pension distributions. You must give your correct TIN, but you do not have to sign the certification. What Name and Number To Give the Requester 1 List first and circle the name of the person whose number you furnish. If only one person on a joint account has an SSN, that person’s number must be furnished. 2 Circle the minor’s name and furnish the minor’s SSN. 3 You must show your individual name and you may also enter your business or DBA name on the “Business name/disregarded entity” name line. You may use either your SSN or EIN (if you have one), but the IRS encourages you to use your SSN. 4 List first and circle the name of the trust, estate, or pension trust. (Do not furnish the TIN of the personal representative or trustee unless the legal entity itself is not designated in the account title.) Also see Special rules for partnerships, earlier. *Note: The grantor also must provide a Form W-9 to trustee of trust. Note: If no name is circled when more than one name is listed, the number will be considered to be that of the first name listed. Secure Your Tax Records From Identity Theft Identity theft occurs when someone uses your personal information such as your name, SSN, or other identifying information, without your permission, to commit fraud or other crimes. An identity thief may use your SSN to get a job or may file a tax return using your SSN to receive a refund. To reduce your risk: • Protect your SSN, • Ensure your employer is protecting your SSN, and • Be careful when choosing a tax preparer. If your tax records are affected by identity theft and you receive a notice from the IRS, respond right away to the name and phone number printed on the IRS notice or letter. If your tax records are not currently affected by identity theft but you think you are at risk due to a lost or stolen purse or wallet, questionable credit card activity or credit report, contact the IRS Identity Theft Hotline at 1-800-908-4490 or submit Form 14039. For more information, see Pub. 5027, Identity Theft Information for Taxpayers. Victims of identity theft who are experiencing economic harm or a systemic problem, or are seeking help in resolving tax problems that have not been resolved through normal channels, may be eligible for Taxpayer Advocate Service (TAS) assistance. You can reach TAS by calling the TAS toll-free case intake line at 1-877-777-4778 or TTY/TDD 1-800-829-4059. Protect yourself from suspicious emails or phishing schemes. Phishing is the creation and use of email and websites designed to mimic legitimate business emails and websites. The most common act is sending an email to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. For this type of account: Give name and SSN of: 1. Individual 2. Two or more individuals (joint account) other than an account maintained by an FFI 3. Two or more U.S. persons (joint account maintained by an FFI) 4. Custodial account of a minor (Uniform Gift to Minors Act) 5. a. The usual revocable savings trust (grantor is also trustee) b. So-called trust account that is not a legal or valid trust under state law 6. Sole proprietorship or disregarded entity owned by an individual 7. Grantor trust filing under Optional Form 1099 Filing Method 1 (see Regulations section 1.671-4(b)(2)(i) (A)) The individual The actual owner of the account or, if combined funds, the first individual on the account1 Each holder of the account The minor2 The grantor-trustee1 The actual owner1 The owner3 The grantor* For this type of account: Give name and EIN of: 8. Disregarded entity not owned by an individual 9. A valid trust, estate, or pension trust 10. Corporation or LLC electing corporate status on Form 8832 or Form 2553 11. Association, club, religious, charitable, educational, or other tax-exempt organization 12. Partnership or multi-member LLC 13. A broker or registered nominee The owner Legal entity4 The corporation The organization The partnership The broker or nominee For this type of account: Give name and EIN of: 14. Account with the Department of Agriculture in the name of a public entity (such as a state or local government, school district, or prison) that receives agricultural program payments 15. Grantor trust filing under the Form 1041 Filing Method or the Optional Form 1099 Filing Method 2 (see Regulations section 1.671-4(b)(2)(i)(B)) The public entity The trust

Page 6 Form W-9 (Rev. 10-2018) The IRS does not initiate contacts with taxpayers via emails. Also, the IRS does not request personal detailed information through email or ask taxpayers for the PIN numbers, passwords, or similar secret access information for their credit card, bank, or other financial accounts. If you receive an unsolicited email claiming to be from the IRS, forward this message to phishing@irs.gov. You may also report misuse of the IRS name, logo, or other IRS property to the Treasury Inspector General for Tax Administration (TIGTA) at 1-800-366-4484. You can forward suspicious emails to the Federal Trade Commission at spam@uce.gov or report them at www.ftc.gov/complaint. You can contact the FTC at www.ftc.gov/idtheft or 877-IDTHEFT (877-438-4338). If you have been the victim of identity theft, see www.IdentityTheft.gov and Pub. 5027. Visit www.irs.gov/IdentityTheft to learn more about identity theft and how to reduce your risk. Privacy Act Notice Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons (including federal agencies) who are required to file information returns with the IRS to report interest, dividends, or certain other income paid to you; mortgage interest you paid; the acquisition or abandonment of secured property; the cancellation of debt; or contributions you made to an IRA, Archer MSA, or HSA. The person collecting this form uses the information on the form to file information returns with the IRS, reporting the above information. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation and to cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering their laws. The information also may be disclosed to other countries under a treaty, to federal and state agencies to enforce civil and criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You must provide your TIN whether or not you are required to file a tax return. Under section 3406, payers must generally withhold a percentage of taxable interest, dividend, and certain other payments to a payee who does not give a TIN to the payer. Certain penalties may also apply for providing false or fraudulent information.

NOTICE OF GUARANTEED DELIVERY (not to be used for signature guarantee) for Common Stock, $0.01 Par Value Per Share of HopFed Bancorp, Inc. This form must be used to guarantee delivery of shares of common stock of HopFed Bancorp, Inc. (“HopFed”) to American Stock Transfer & Trust Company, LLC, the exchange agent in connection with the merger of HopFed with and into First Financial Corporation (“First Financial”), pursuant to the Agreement and Plan of Merger (“Merger Agreement”), dated January 7, 2019, by and between HopFed and First Financial (the “Exchange Agent”), if your HopFed stock certificate(s) cannot be delivered to the Exchange Agent on or before 5:00 p.m., Eastern Time, on July 23, 2019 (the “Election Deadline”). This form, when properly completed and duly executed, may be delivered by mail, hand, or courier, to the Exchange Agent, as follows: If delivering by mail, hand, or courier: American Stock Transfer & Trust Company, LLC Operations Center Attn: Reorganization Department 6201 15th Avenue Brooklyn, New York 11219 Delivery of this form to an address other than as set forth above will not constitute a valid delivery. This form is not to be used to guarantee signatures. If a signature on the accompanying Election Form and Letter of Transmittal (“Election Form”) is required to be guaranteed, the signature guarantee must appear in the applicable space provided on the Election Form. If you have any questions regarding these materials, please contact the information agent in connection with the election process as follows: D.F. King & Co., Inc. 48 Wall Street – 22nd Floor New York, NY 10005 Telephone: 800-290-6427

GUARANTEE OF DELIVERY The undersigned, a bank, broker, dealer, credit union, savings association, or other entity which is a member in good standing of the Securities Transfer Agents’ Medallion Program or any other “eligible guarantor institution” (as such term is defined in Rule 17Ad-15 under the Securities Exchange Act of 1934, as amended (each, an “Eligible Guarantor Institution”)), hereby guarantees the delivery to the Exchange Agent of the Shares surrendered hereby, in proper form for transfer no later than the Guaranteed Delivery Deadline. The Eligible Guarantor Institution that completes this form must communicate the guarantee to the Exchange Agent on or before the Election Deadline and must deliver the stock certificate(s) representing the Shares to the Exchange Agent on or before than the Guaranteed Delivery Deadline. Failure to do so could result in a financial loss to such Eligible Guarantor Institution. Authorized Signature: Name: Title: Name of Firm: Address: Telephone Number: Date:

Important Additional Information About the Merger In connection with the proposed merger of HopFed Bancorp, Inc. (“HopFed”) with and into First Financial Corporation (“First Financial”), First Financial has filed a registration statement on Form S-4 with the Securities and Exchange Commission (“SEC”) (filed on April 11, 2019 and amended on June 6, 2019; declared effective on June 11, 2019), which includes a proxy statement of HopFed and a prospectus of First Financial, and each party will file other documents regarding the proposed merger with the SEC. A definitive proxy statement/prospectus will also be sent to the HopFed stockholders entitled to vote at the special meeting relating to the proposed merger. HopFed commenced mailing of the definitive proxy statement/prospectus on or about June 18, 2019. Before making any voting or investment decision, HopFed stockholders are urged to carefully read the entire registration statement and proxy statement/prospectus and any other relevant documents filed with the SEC (when they become available), including any amendments or supplements thereto and any documents incorporated by reference therein, because they do or will contain important information about the proposed merger. The registration statement and proxy statement/prospectus and any other relevant documents filed with the SEC (when they become available) and any other documents filed by First Financial or HopFed with the SEC, may be obtained free of charge at the SEC’s website at www.sec.gov. In addition, these documents filed by First Financial may be obtained free of charge at the “Investor Relations” section of First Financial’s website at www.first-online.com and the documents filed by HopFed may be obtained free of charge at the “Investor Relations” section of HopFed’s website at www.bankwithheritage.com. Alternatively, these documents can be obtained free of charge from First Financial upon written request to First Financial Corporation, Attention: Rodger A. McHargue, Chief Financial Officer and Secretary, One First Financial Plaza, P.O. Box 540, Terre Haute, Indiana 47808 or by calling (812) 238-6000 or from HopFed upon written request to HopFed Bancorp, Inc., Attention: Michael Woolfolk, Secretary, P.O. Box 537, Hopkinsville, Kentucky 42241 or by calling (270) 887-8400. This communication shall not constitute an offer to sell or the solicitation of an offer to buy securities nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. This communication is also not a solicitation of any vote in any jurisdiction pursuant to the proposed merger or otherwise. No offer of securities or solicitation will be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended. This communication is not a substitute for the proxy statement/prospectus that was filed with the SEC. Proxy Solicitation First Financial, HopFed, and their directors, executive officers, and certain other persons may be deemed, under SEC rules, to be participants in the solicitation of proxies from HopFed’s stockholders in connection with the proposed merger. Information regarding the interests of such individuals in the proposed merger is included in the registration statement and the proxy statement/prospectus. You may obtain information about First Financial’s executive officers and directors in First Financial’s definitive proxy statement for its 2019 annual meeting of shareholders, which was filed with the SEC on March 14, 2019. You may obtain information about HopFed’s executive officers and directors in HopFed’s Annual Report on Form 10-K for the year ended December 31, 2018, as amended, which was filed with the SEC on April 3, 2019. To the extent holdings of such participants in First Financial’s or HopFed’s respective securities are not reported, or have changed since the amounts described in the previously mentioned documents, such changes have been reflected on Initial Statements of Beneficial Ownership on Form 3 or Statements of Change in Ownership on Form 4 filed with the SEC. Free copies of these documents may be obtained as described above. Forward-Looking Statements Certain statements contained in this communication, which are not statements of historical fact, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include, but are not limited to, certain plans, expectations, goals, projections, and benefits relating to the proposed merger between First Financial and HopFed, which are subject to numerous assumptions, risks, and uncertainties.