0000887919-12-000009 Sample Contracts

Katrina Whitt Vice President of Human Resources Premier Financial Bancorp, Inc. Huntington, WV 25702 Dear Katrina,
Securities Purchase Agreement • March 30th, 2012 • Premier Financial Bancorp Inc • State commercial banks

As you may be aware, Premier Financial Bancorp, Inc. (the “Company”) has entered into a Securities Purchase Agreement (the “Participation Agreement”), with the United States Department of Treasury (“Treasury”) that provides for the Company’s participation in the Treasury’s TARP Capital Purchase Program (the “CPP”).

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