YOU SHOULD READ THE FOLLOWING INFORMATION CAREFULLY BEFORE USING THIS SITE. Your use of this site constitutes your acknowledgment and agreement to the following terms. If you do not agree to these terms, you are instructed to exit the site and not use it.

OWNERSHIP OF MATERIALS

This site has been prepared by and is owned and operated by First Commonwealth, Inc. and its affiliates and subsidiaries (referred to hereafter collectively as "First Commonwealth"). You may copy documents published by First Commonwealth on this website for non-commercial use only. Any copy of these documents that you make, whether electronic, mechanical, or otherwise, must retain all copyright and other proprietary notices. Revision or modification of the material contained on this website or use of this material for any other purpose is a violation of First Commonwealth’s copyright, service mark and other proprietary rights and is strictly prohibited.

LIMITATION OF LIABILITY

Under no circumstances shall First Commonwealth or any of its affiliates or subsidiaries be liable for any direct, indirect, special, consequential or punitive damages that may result from the use of, or the inability to use, the information or material on this website. You specifically acknowledge and agree that First Commonwealth is not liable for any conduct of any user. If you are dissatisfied with any of the information contained on this website or with any of the terms and conditions of use of this website, your sole and exclusive remedy is to discontinue using this site.

DISCLAIMER

THE INFORMATION OF THIS WEBSITE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Some jurisdictions may not allow the exclusion of these implied warranties in which event, the exclusions listed above are limited to those permitted under the law.

The material contained in this website is for informational purposes only. The information on the website may contain inaccuracies or errors and may be changed or updated from time to time without notice. First Commonwealth undertakes no obligation to update information presented on this website, so information contained on the website may be out of date at any given time. First Commonwealth may also make improvements or changes in the products or programs described in this information at any time without notice. To obtain additional information, you are instructed to either write to First Commonwealth at 444 N. Wells Street, Suite 600, Chicago, Illinois, 60610, or call at 312/644-1800.

From time to time, First Commonwealth may provide links to Internet sites maintained by unaffiliated third parties and may provide third-party materials on this website. Neither First Commonwealth nor any of its affiliates or subsidiaries operates or controls any information, products or services on such third-party sites. The third-party materials contained in or accessed through this site are provided "AS IS" and without warranties of any kind, either expressed or implied. First Commonwealth does not warrant or make any representations regarding the use or the results of the use of the third-party materials in terms of their correctness, accuracy, timeliness, reliability or otherwise.

Certain information contained on this website related to financial performance or results of operations constitute "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward -looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance, or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Such factors include, among others, increased competition in the markets in which First Commonwealth operates; changes in regulation affecting First Commonwealth; changes in utilization of services; changes in arrangements relating to payments to providers; the level of First Commonwealth’s indemnity/PPO enrollment and the related indemnity/PPO risk of indemnity/PPO plans; the ability to integrate and successfully operate acquired businesses and the risks associated with such businesses; the possible need for, and ability to obtain if needed, financing on acceptable terms to finance First Commonwealth’s growth strategy; the ability of First Commonwealth to operate within the limitation imposed by any such financing arrangements; and other factors which are referenced or incorporated by reference in the Annual Report, a copy of which may be obtained by contacting investor relations at First Commonwealth, or First Commonwealth’s filings with the Securities and Exchange Commission.

USE OF THIRD-PARTY INFORMATION

Any information received by First Commonwealth from third parties, including questions, comments or suggestions regarding the content of this website or any other aspect of the business of First Commonwealth, will be deemed non-confidential. First Commonwealth will have no obligation of any kind with respect to such information and will have the right to reproduce, use, disclose or distribute the information to others without limitation. Do not post or transmit any unlawful, threatening, libelous, defamatory, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense or violate any law.

From time to time this website may contain references to trademarks or service marks owned by entities which are not affiliated with First Commonwealth.