<SUBMISSION>
<ACCESSION-NUMBER>0001144204-08-071565
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>3
<PERIOD>20081230
<ITEMS>7.01
<ITEMS>9.01
<FILING-DATE>20081230
<DATE-OF-FILING-DATE-CHANGE>20081230
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>FIRST FINANCIAL BANCORP /OH/
<CIK>0000708955
<ASSIGNED-SIC>6021
<IRS-NUMBER>311042001
<STATE-OF-INCORPORATION>OH
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-12379
<FILM-NUMBER>081276017
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>4000 SMITH ROAD
<CITY>CINCINNATI
<STATE>OH
<ZIP>45209
<PHONE>5139795782
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>4000 SMITH ROAD
<CITY>CINCINNATI
<STATE>OH
<ZIP>45209
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v135907_8k.htm
<TEXT>
<html>
  <head>
    <title></title>

    </head>
    <body bgcolor="#ffffff" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
    <div>
      <hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="4">
      <hr style="MARGIN-TOP: -10px; COLOR: #000000" noshade size="1">
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SECURITIES
AND EXCHANGE COMMISSION</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Washington,
D.C.&#160;&#160;20549</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">FORM
8-K</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CURRENT
REPORT</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">PURSUANT
TO SECTION 13 OR 15(d) OF THE</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SECURITIES
EXCHANGE ACT OF 1934</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date of
Report (Date of earliest event reported): December 30, 2008</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">FIRST
FINANCIAL BANCORP.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Exact
name of registrant as specified in its charter)</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>&#160;</div>
    <div>
      <div align="center">
        <table cellpadding="0" cellspacing="0" width="100%">
            <tr>
              <td valign="top" width="33%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Ohio</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(State
      or other jurisdiction</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">of
      incorporation)</font></div>
              </td>
              <td valign="top" width="33%" style="TEXT-ALIGN: center">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0-12379</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Commission
      File Number)</font></div>
              </td>
              <td valign="top" width="33%" style="TEXT-ALIGN: center">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">31-1042001</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(IRS
      Employer</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Identification
      No.)</font></div>
                <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
              </td>
            </tr>
            <tr>
              <td valign="top" width="33%" style="TEXT-ALIGN: center">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4000
      Smith Road</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Cincinnati,
      Ohio</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Address
      of principal executive offices)</font></div>
              </td>
              <td valign="top" width="33%" style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
              <td valign="top" width="33%" style="TEXT-ALIGN: center">
                <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">45209</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Zip
      Code)</font></div>
              </td>
            </tr>
        </table>
      </div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Registrant&#8217;s
telephone number, including area code:&#160;&#160;(513) 979-5837</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Check the
appropriate box below if the Form 8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions (see General Instruction A.2. below):</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
            <tr valign="top">
              <td align="right" style="WIDTH: 27pt">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">r</font></font></div>
              </td>
              <td align="left">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR
      230.425)</font></div>
              </td>
            </tr>
        </table>
      </div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
            <tr valign="top">
              <td align="right" style="WIDTH: 27pt">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">r</font></font></div>
              </td>
              <td align="left">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)</font></div>
              </td>
            </tr>
        </table>
      </div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">
      <table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 27pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
            <td align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
          </tr>
          <tr valign="top">
            <td align="right" style="WIDTH: 27pt">
              <div style="DISPLAY: block; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-FAMILY: wingdings">r</font></font></div>
            </td>
            <td align="left">
              <div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Pre-commencement
      communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b))</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
            <tr valign="top">
              <td align="right" style="WIDTH: 27pt">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">r</font></font></div>
              </td>
              <td align="left">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pre-commencement
      communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c))</font></div>
              </td>
            </tr>
        </table>
      </div>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div>
      <hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="1">
      <hr style="MARGIN-TOP: -13px; COLOR: #000000" noshade size="4">
    </div>
    <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
      <div id="FTR">
        <div id="GLFTR" style="WIDTH: 100%" align="left">
        </div>
      </div>
      <div id="PN" style="PAGE-BREAK-AFTER: always">
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
        </div>
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
          <hr style="COLOR: black" noshade size="2">
        </div>
      </div>
      <div id="HDR">
        <div id="GLHDR" style="WIDTH: 100%" align="right">
        </div>
      </div>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">
      <div align="center">
        <table bgcolor="white" cellpadding="0" cellspacing="0" width="100%">
            <tr>
              <td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Form 8-K</font></font></td>
              <td width="50%">
                <div style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">First Financial
      Bancorp.</font></font></div>
              </td>
            </tr>
            <tr>
              <td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              <td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
            </tr>
        </table>
      </div>
      <div>&#160;</div>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
            <tr valign="top">
              <td align="right" style="WIDTH: 81pt">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
      7.01</font></div>
              </td>
              <td align="left">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Regulation
      FD Disclosure.</font></div>
              </td>
            </tr>
        </table>
      </div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
December 30, 2008, First Financial Bancorp. issued a press release announcing
updated credit quality guidance to address its expectations for increased
unemployment levels and declining economic conditions over the next several
quarters.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">A copy of
the press release is attached as Exhibit 99.1.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">First
Financial Bancorp does not intend for this Item&#160;7.01 or Exhibit&#160;99.1
to be treated as &#8220;filed&#8221; for purposes of the Securities Exchange Act of 1934, as
amended, or incorporated by reference into its filings under the Securities Act
of 1933, as amended.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">
      <table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 81pt">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
      9.01</font></div>
            </td>
            <td align="left">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibits.</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
following exhibit shall not be deemed to be &#8220;filed&#8221; for purposes of the
Securities Exchange Act of 1934, as amended.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 108pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(c)&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibit:</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">99.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;First
Financial Bancorp. Press Release dated December 30, 2008.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
      <div id="FTR">
        <div id="GLFTR" style="WIDTH: 100%" align="left">
        </div>
      </div>
      <div id="PN" style="PAGE-BREAK-AFTER: always">
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
        </div>
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
          <hr style="COLOR: black" noshade size="2">
        </div>
      </div>
      <div id="HDR">
        <div id="GLHDR" style="WIDTH: 100%" align="right">
        </div>
      </div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SIGNATURES</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Pursuant to the requirements of the
Securities Exchange Act of 1934, the registrant has duly caused this report to
be signed on its behalf by the undersigned hereunto duly
authorized.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">
      <div>
        <div align="left">
          <table border="0" cellpadding="0" cellspacing="0" width="100%">
              <tr>
                <td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td colspan="2" valign="top" width="38%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">FIRST FINANCIAL
      BANCORP.</font></font></td>
                <td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
              <tr>
                <td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td colspan="2" valign="top" width="38%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
              <tr>
                <td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
              <tr>
                <td align="left" valign="top" width="50%" style="BORDER-BOTTOM: #ffffff solid">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Date:
      December 30, 2008</font></div>
                </td>
                <td valign="top" width="3%" style="BORDER-BOTTOM: #ffffff solid">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">By:
      </font></div>
                </td>
                <td align="left" nowrap valign="top" width="35%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">/s/&#160;J.
      Franklin Hall</font></td>
                <td valign="top" width="12%" style="BORDER-BOTTOM: #ffffff solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
              <tr>
                <td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td align="left" nowrap valign="bottom" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">J.
      Franklin Hall</font></td>
                <td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
              <tr>
                <td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Executive&#160;Vice
      President and Chief Financial Officer</font></td>
                <td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
              <tr>
                <td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
          </table>
        </div>
      </div>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
      <div id="FTR">
        <div id="GLFTR" style="WIDTH: 100%" align="left">
        </div>
      </div>
      <div id="PN" style="PAGE-BREAK-AFTER: always">
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
        </div>
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
          <hr style="COLOR: black" noshade size="2">
        </div>
      </div>
      <div id="HDR">
        <div id="GLHDR" style="WIDTH: 100%" align="right">
        </div>
      </div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">
        <div align="center">
          <table bgcolor="white" cellpadding="0" cellspacing="0" width="100%">
              <tr>
                <td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Form 8-K</font></font></td>
                <td width="50%">
                  <div style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">First Financial
      Bancorp.</font></font></div>
                </td>
              </tr>
              <tr>
                <td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                <td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              </tr>
          </table>
        </div>
        <div>&#160;</div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: center" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibit
Index</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: center" align="justify">&#160;</div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
    <div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
            <table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
                <tr valign="top">
                  <td align="right" style="WIDTH: 108pt">
                    <div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Exhibit
      No.&#160;</font></font></div>
                  </td>
                  <td align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Description</font></font></td>
                </tr>
                <tr valign="top">
                  <td align="right" style="WIDTH: 108pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                  <td align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
                </tr>
                <tr valign="top">
                  <td align="right" style="WIDTH: 108pt">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">99.1&#160;</font></div>
                  </td>
                  <td align="left">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">First
      Financial Bancorp. Press Release dated December 30,
  2008.</font></div>
                  </td>
                </tr>
            </table>
          </div>
        </div>
      </div>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>v135907_ex99-1.htm
<TEXT>
<html>
  <head>
    <title></title>

    </head>
    <body bgcolor="#ffffff" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="3">Exhibit
99.1</font></font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><img src="header.jpg" alt=""></font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">First
Financial Bancorp Announces Anticipated Increase in Fourth Quarter Loan Loss
Reserve to Address Increased Economic Stress</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Cincinnati,
Ohio &#8211; December 30, 2008 -- First Financial Bancorp (Nasdaq: FFBC) announced
updated credit quality guidance today to address its expectations for increased
unemployment levels and declining economic conditions over the next several
quarters.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Fourth
      quarter 2008 provision for loan and lease loss expense is expected to be
      between $10.0 million and $10.5 million, which is approximately 200% of
      expected fourth quarter 2008 net charge-offs. The incremental provision
      expense is expected to be approximately $0.13 per diluted share higher
      when compared with the third quarter of
2008.</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Fourth
      quarter 2008 net charge-offs are estimated to be between $4.5 million and
      $5.5 million resulting in full-year 2008 total net charge-offs between
      $12.0 and $13.0 million, or 0.45% to 0.50% of average loans and leases.
      This is an increase from previous full-year 2008 guidance, which was at
      the higher end of 0.30% to 0.40% of average loans and leases. Charge-offs
      in the fourth quarter will be impacted by the resolution of two large and
      previously identified problem commercial credits which will have an
      estimated impact on the full-year 2008 charge-off level of approximately 8
      basis points.</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Nonperforming
      loans at December 31, 2008 are expected to be between $18.5 million and
      $19.5 million, or 0.70% and 0.75% of total loans, with the allowance for
      loan and lease losses as a percent of nonperforming loans expected to be
      between 190% and 200%. Loan workouts and the resolution of problem credits
      are taking longer than previously experienced and when combined with the
      weakening economy will result in nonperforming loans increasing at a
      faster pace than historical levels.</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Claude
Davis, First Financial Bancorp&#8217;s President and Chief Executive Officer
commented, &#8220;We believe increasing the loan loss reserve is a prudent action at
this time in order to manage our credit risk and to protect the company in this
difficult economic environment. Consumers and businesses are under increasing
stress as a result of the contracting economy, depreciating real estate values
and the prospects of higher unemployment. Although it is taking longer to
resolve problem credits, we remain diligent in the management of our asset
resolution activities.&#8221;</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8220;We
continue to believe that we are well-positioned to handle the challenging
economic environment,&#8221; added Mr. Davis. &#8220;Although nonperforming loans are higher
than previous levels, they are still favorable relative to industry and peer
levels and our reserve coverage ratio for nonperforming loans remains strong.
After taking into account both this action and the receipt of our recent capital
proceeds, our September 30, 2008 pro forma tier 1 capital ratio would have been
12.39%, well above the regulatory minimum level, and our pro forma tangible
capital ratio would have been 9.06%.&#8221;</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
      <div id="FTR">
        <div id="GLFTR" style="WIDTH: 100%" align="left">
        </div>
      </div>
      <div id="PN" style="PAGE-BREAK-AFTER: always">
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
        </div>
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
          <hr style="COLOR: black" noshade size="2">
        </div>
      </div>
      <div id="HDR">
        <div id="GLHDR" style="WIDTH: 100%" align="right">
        </div>
      </div>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Forward-Looking
Statements</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This news
release should be read in conjunction with the consolidated financial
statements, notes and tables in First Financial Bancorp&#8217;s most recent Form 10-Q
filing dated September 30, 2008, and its Annual Report on Form 10-K for the year
ended December 31, 2007. Management&#8217;s analysis contains forward-looking
statements that are provided to assist in the understanding of anticipated
future financial performance. However, such performance involves risk and
uncertainties that may cause actual results to differ materially. Factors that
could cause actual results to differ from those discussed in the forward-looking
statements include, but are not limited to, management&#8217;s ability to effectively
execute its business plan; the risk that the strength of the United States
economy in general and the strength of the local economies in which First
Financial conducts operations may be different from expected, resulting in,
among other things, a deterioration in credit quality or a reduced demand for
credit, including the resultant effect on First Financial&#8217;s loan portfolio and
allowance for loan and lease losses; the ability of financial institutions to
access sources of liquidity at a reasonable cost; the effects of and changes in
policies and laws of regulatory agencies, inflation, and interest rates;
technology changes; mergers and acquisitions; the effect of changes in
accounting policies and practices; adverse changes in the securities markets;
the cost and effects of litigation and of unexpected or adverse outcomes in such
litigation; and First Financial&#8217;s success at managing the risks involved in the
foregoing. For further discussion of certain factors that may cause such
forward-looking statements to differ materially from actual results, refer to
the 2007 Form 10-K and other public documents filed with the SEC. These
documents are available at no cost within the investor relations section of
First Financial&#8217;s website at <font style="DISPLAY: inline; TEXT-DECORATION: underline">www.bankatfirst.com</font>
and on the SEC's website at <font style="DISPLAY: inline; TEXT-DECORATION: underline">www.sec.gov</font>.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">About
First Financial Bancorp</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">First
Financial Bancorp is a Cincinnati, Ohio based bank holding company with $3.5
billion in assets. Its banking subsidiary, First Financial Bank, N.A., founded
in 1863, provides retail and commercial banking products and services, and
investment and insurance products through its 81 retail banking locations in
Ohio, Kentucky and Indiana. The bank&#8217;s wealth management division, First
Financial Wealth Resource Group, provides investment management, traditional
trust, brokerage, private banking, and insurance services, and has approximately
$1.9 billion in assets under management. Additional information about the
company, including its products, services, and banking locations, is available
at <font style="DISPLAY: inline; TEXT-DECORATION: underline">www.bankatfirst.com</font>.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Additional
Information</font></div>
    <div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">
            <tr>
              <td align="left" valign="top" width="34%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline">Investors/Analysts</font></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Patti
      Forsythe</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Vice
      President, Investor Relations</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">513-979-5837</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline">patti.forsythe@bankatfirst.com</font></font></div>
              </td>
              <td align="left" valign="top" width="43%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline">Media</font></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Cheryl
      Lipp</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">First
      Vice President, Marketing Director</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">513-979-5797</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline">cheryl.lipp@bankatfirst.com</font></font></div>
              </td>
            </tr>
        </table>
      </div>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>header.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 header.jpg
M_]C_X``02D9)1@`!`0$`8`!@``#_VP!#``@&!@<&!0@'!P<)"0@*#!0-#`L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+#`Q-#0T'R<Y/3@R/"XS-#+_
MVP!#`0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P``1"`!I`N`#`2(``A$!`Q$!_\0`
M'P```04!`0$!`0$```````````$"`P0%!@<("0H+_\0`M1```@$#`P($`P4%
M!`0```%]`0(#``01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T?`D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$!
M`0$!`0````````$"`P0%!@<("0H+_\0`M1$``@$"!`0#!`<%!`0``0)W``$"
M`Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H`#`,!``(1`Q$`/P#WZBBB@`HH
MHH`****`*NI7\&E:7=ZC=,5M[2%YY2!DA%4L>._`KX^\6?$_Q-XJU&YE?4[J
MTL9"5CLK>9DC5,\!@#\QZ<G]*]\^+7Q'T?PYIVI>%[RVOGOM2TJ7R9(40QKY
M@>-=Q+`CD'.`>*^4*`+=A8:A?2,=.M+JX>$>8QMXV<H!_$<#CZU]0_`FQU5/
M!3ZIJFIWUT;Z4K!!<S,ZP)&S+\H/W26W9^BUYM\)OBSH/@3PM=:7JEIJ4T\M
MZ]PK6L:,H4HBX.YU.<H>WI7M<?Q*T%O`"^,YQ=6VF.66-)D7S78.4VA58@DD
M'OT&3@4`=A17RA\0OC-K'BR>6STF6?3=%9=OD@@23<GEV'(S_=!QZYKZ&^)&
MJWNB?#W6-2TZ<P7D$2M%*`"5.]1T((Z$T`=317QU_P`+B\?_`/0QS?\`?B+_
M`.)I5^,?C]6!'B*7(.>8(C_[)0!]B45\JZ!\?/&&GZFDNKW$>JV><20-#'$V
M/5611@_7/2OI3PUXDTWQ9H<&K:5-YEO+P5.-\;=T<`G##T^AZ$4`:U%>+?%;
MXSR>';RX\/>'!C5(B!<7CJK)#P#A`<AFYP<C`Z<GIXMJ'Q.\;ZG*))_$^HHW
MI;2^0/RCVB@#[2HKXML/B?XWTU]T'B?47.<_Z1+YX_*3=7N'PB\=>,_%EAJ$
MFK007%C;!@-1($3^9MSL"JNU\<$_=QGJ>!0![%17QU_PN+Q__P!#'-_WXB_^
M)H_X7%X__P"ACF_[\1?_`!-`'V+17QU_PN+Q_P#]#'-_WXB_^)KU3X'>+?%G
MB[7M3DUG5Y+NQL[91Y;1HH\QV^4Y4#LK_G0![C1110`4444`%%%%`!1110`4
M444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!11
M10`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%
M`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110!Y!\9/
MAE_PDWVOQ7_:_P!F_LS2G_T7[-O\SR_,D^_O&,[L=#C&>:^8*^WO'?\`R3WQ
M+_V"KK_T4U?$-`'I_P`./@__`,+`\/7&J_V[]@\F[:V\K[)YN<(C;L[U_OXQ
MCM7?_%7P[%X2^!.G:%#-YZVEW&IEV;=['>S'&3C))XR:T?V<?^2>W_\`V%9/
M_1456OV@_P#DF@_Z_HOY-0!\K5]D_%W_`))5K_\`UP7_`-#6OC:OLGXN_P#)
M*M?_`.N"_P#H:T`?&U?57C34_A</"&J8E\,SW#6LJ6ZVBP2RB0H0NS:"5.<?
M-V]17RK71>+O!&N>"=06TUBUVK(,Q7$66BE]0K8'([CJ/H02`<[7U'^SM;RP
M_#FYDD0JDVI2R1D_Q+Y<:Y'XJP_"O#_AIX>\.>*?$\>DZ_?7MJT_%L+<(JR,
M`259VSM)P``%.2<9!QG[&M[>&TMHK:VB2*")`D<:+A54#``'84`?">KK>+K5
M^NH[OMPN)!<;CD^9N.[)^N:[7X5_$/3O`-_=RW^C"\^TA0MS%M\Z$#.0N1R#
MQD9'W1UKV'XE_!6+QAJ4^N:1?"UU:;8)8[@DPR[0%!R`2AV@=B#@<#DUY%K?
MP/\`'&C+O2PAU&,#)>QEWX]MK!6/X"@#V.?XC_"3Q28?[6:QEGD^11?Z<Q:/
M/'W]A"]N=W&.M>B:)IVDZ=H=K::+#;1Z8(P81!@HZD?>R/O9Z[N<YSDU\-7M
MC>:;>26E_:SVMS'C?#/&4=<C(RIY'!!_&O4_@'XJU+3_`!K!X<1P^G:D9&DC
M;^!TB9@Z^A.P`^HQZ"@#Z-_X1?P__P!`+3/_``$C_P`*^+O%<:0^,-;CC14C
M2_G5548"@2-@`>E?<]?#7B[_`)'77O\`L(W'_HQJ`/>/V?=&TO4?`5]-?:;9
MW,HU.10\\"N0/*B.,D=.3^=>Q66EZ?IN_P"P6%K:^9C?Y$*INQG&<#GJ?SKR
MO]G'_DGM_P#]A63_`-%15Z_0`4444`%%%%`!1110`4444`%%%%`!1110`444
M4`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110
M`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!
M1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`<_X[_Y)[XE_P"P5=?^
MBFKXAK[SU33X-7TF]TVYW?9[R![>78<':ZE3@^N#7FO_``SYX)_O:G_X$C_X
MF@"K^SC_`,D]O_\`L*R?^BHJM?M!_P#)-!_U_1?R:NU\'^#M+\$:3+INDF<V
M\LYN&\]]QW%54\X'&%%/\6>$]-\9Z,-*U4SBV$JR_N7VMN&<<X/K0!\/5]D_
M%W_DE6O_`/7!?_0UKG_^&?/!/][4_P#P)'_Q->AZ_H=IXDT*ZT>_,@M;I0LG
MEMM;`(/!_"@#X3KZ_P#C'X8_X2?X>7@1]L^G9OX_ESOV(V5_%2?QQ63_`,,^
M>"?[VI_^!(_^)KU1E5T*.H96&"",@B@#X%AFDMYXYX7:.6-@Z.IP58'((K[#
M\+_$BQU[X<7/BR:+R?L,<GVR`'[LB+N*J3UR"I'^]CJ*Q[KX!^";J[FN-E_%
MYKL_EQ3A43)SA1MX`["M_P`+_#/0?"<-[;V37<]G>ILGM+R02PO[E"N,XX^E
M`'A,'[0/B^'6Y[M_LL]A)(2EC)$H$29.%#J`Q(XY.>G2NG7]IE@@#^$@6QR1
MJ.`3]/*KT'7_`(,^"=>RQTL:?+C'F:<1#Z?PX*=O[M<__P`,X^$/^@EKG_?^
M'_XU0!\]>+?$EQXN\47NNW4,<,UTRDQQYVJ%4*!S[**]6^`G@"_EUF+QA>*]
MO:6P=;167!G9D*EA_L@,>>Y^AKTK0?@EX)T*3S6T^34I1T;4'$H'_```A_$&
MO0(((K:"."")(H8E"1QQJ%5%`P``.``.U`$E?#7B[_D==>_["-Q_Z,:ON6O,
MK_X$^#]2U*ZOIVU'SKF9YI-MP`-S$DX^7U-`&;^SC_R3V_\`^PK)_P"BHJ]?
MKG_!_@[2_!&DRZ;I)G-O+.;AO/?<=Q55/.!QA1704`%%%%`!1110`4444`%%
M%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`444
M4`%%%%`!1110`4444`%%%%`!1110`5@>+=1U6STV"VT.))-4OYQ;0,^-L/RL
MS2L#U"JI..YP.];]8]QX?AO?$2ZK>3&XCBMC;PV;H#$A9@S28.<N=H&>,#CO
M0!6@\5Q?8=&-Q:2_VAJ8=!:0,K[)XT+2Q;B0,J5<9)`RM26GB[3-12V_LXS7
M<UP)66W1-DBB)Q'(6#E0-K$#D\]LU1M/`MK8Z_!J,%[.L$%[+>PV>!Y<;RQ-
M&X7T4[BV/7/K2V'@M-(NH[[3KW;>H;H;YXO,0I/,)F4J&4Y#`8.>F<@YX`+$
M7BV&[UO3+&SLYYH;Z*Z<W!_=F)H)$C=2C8;AF.?H,;L\.T#Q`+O2M/:]6=)I
M;`7+W$L85)-H7S&XZ8+#J!D'(R.:2W\+FUO]+O4U&66>S^U"1IXPWFBXD623
M[NW:0RC;UP."#UJY%H-NNF6VGR.TD$-BUB0>-Z%54D^^$_6@!DOB6RMK>>>\
MCN+5(K22]'G189X4`+L%&3QN7*D!N1Q5BXUBVLM%GU:^66TM((VED,J?,J+S
MN*KD].<=?4`\5E6W@ZUAL[R!EL5>>T>T$]M8)#+L<`,68?>/`/&T9'3IC=OK
M47UA<6C/L$T;1EMBO@$8^ZP(/T((H`R=1\22V$ND1G2+HOJ%Z;1D=T5HCY3R
M9ZD-D)V..N2",&Y#K<$\Y5(+D0B=K<7#Q[4,BL5*\_-]X$!L;2<8)R,XZ>##
M%%:F"^2&:UOUOH8XK?;:Q$1-%L2+=\JE69B`WWR6[XJ>S\(6=EJ9N5BL9(_M
M$ER#)8H9P[.7P)1_"">/ER`!\U`!8^-](OK'3[]!=16.HR)!:W,T!19)7)"I
M@_,,X.&("G@!B2*TM1UJVTZ\M;(QS3WUVKM;VT*9:0)C>=Q(50-PY8CJ`,DX
MKC/!?AV75OA]X26\U*5K*VBM;Z.)4`<R)AT5GZ&,''`4'Y1\W7/7:GHLEYJM
MCJMK>M;7ME'+%&&0/%(DFS<'7()YC4C##!'<<4`5X?%NG7=PMM9)<7=V3<*;
M>)`&1X&1958L0H(,B]\'/!(QG0TW5K36-(BU33F:XMID+QD*49L9&,-C!R".
M<5EZ1X1M=(U;^TTN))+J0W4DY(`622X:%F('8#R%51DX'4D\U?\`#^C1^']#
MM]+AE>5(-V'<`$[F+=OK0!S6F>-+K4=7T9OL-TD>I:,+Y+&,(Y+%HSN#Y``"
MN1\Q7/ID@5KCQIHTR*]G)->+]C2_D,$1/E6S@E9&SCL#\@R_HIHT/PLNC3V,
MAN_.^PZ>-.MQY>T^2"NTL<G+?(,D8!]!6/;?#+3;)(/(DBEE6QAL)&O+2.<,
MD8(#JK#Y9,'KROJIH`Z'4O%&DZ7X8'B.XN&;2RD4BS1QEBRR%0A"@9YW"G1:
M_`^HMILMM=0:AY#7*6TB`F6(,%+*RDI]Y@,%@1D$@`YKGOB-8QV_PSDL(&,,
M<<UC#&T2JA0"YA`*@#:,=@!@>E:-]X4GU6\-]?:JQN5@-O$D$.R`(98Y6#H6
M9GWF)58;@&3(P,YH`LCQ/%(;B*"PNI+JUN(X+JW)C5H&DV%<G=M.5<,-I/H<
M&LK3/&2176H)JQG2(:Q_9\,IC4K$[+&4B;;SDE_O8(YY:I]*\%QZ+!J0T^6S
MMI;ZX@N-D%EY=O$T>W[L8;H=@)^;J2?:IIO!\-SIUQ;37;;[G4HM2D>-`H\Q
M&C;`!)X)C'<G!ZT`6_$6OOH/]F[;"2[^VWL=I\DBKL+9YYZGCI^HJ)_&&EQQ
MSW+^>MA;W/V2>]:/;%'-Y@CV<G<?G(7<JE?]K@XLZ_HG]MV]HJW!MYK.[CNX
M7V;UWH3@,N1D')Z$'WK+G\%BYTVZTB;49'TF[NVO)H3&!)O:;SF17!P(R_8J
M3@D;N00`;NHZG#IOV82))))<S>1#''C+OM9\<D`?*C'D]O6J+^*],CCU1Y#.
MG]EV27UTKPE62-U=AP>=V$;(ZC%6-<T>/6;6&&2.RD\F83*+RT%P@8`C.TD$
M$9X(((^F16%>>`UN+*^M8M5N(QJ.G1:?>RLH>218U9596)X)WMNR&R.FT\T`
M;XUJW>]GMHHYIA;2K#<2QKE(7*JP5N<]'4D@$`'DCFLY/&VC-I!U@M<KI+`&
M*]^SNR2_.$PH4%\[B`,J-V<KN'-6(M!>TO[Z6SNDBM=0N!<W<+0[F9]B(=K9
M`4%47(()Y.",\9?_``@D4GA0>%I]3N'TB)$2`!$\Y=CJZ[G(*MM*@`;0,<'=
MUH`NW7C+2["9;:]$]M>R/$D5K(H\R3S698\8)4;BC]2,8YQD5<CUZ*6Z2VCL
M[QI]JR31E%5H$9F0,P)&02CXV[N!GH03E/X(LI+:='M](WRE`4&DQ>4ZJ20)
M%.2W)SPPZ#`'.5;P:K06T9N;=GB$@$[V@,L`=RY^SONS%C.!DL`$3C@Y`.IH
MHHH`****`"BBB@`HKG?''B.#PMX1U'49+N*VN!!(MF9>CS^6S(H'<DKT]J\Q
MT#59U^&%WJFE?$*1];D%I)>RZO<F:&Q9F.44%3LW9(/#9V@<=@#W"BL/6_&/
MAWPY*\6KZM;VDJ0?:#'(3O,>[;D*.3R",#)JKJ7Q#\)://:0W^NVL$MVBR1*
M<D[6&59L#Y`1W;%`'345YSK_`,6M)T7QMI>BBZL9+&X0M=W?G?\`'O\`+N3I
MP0P(Q]:[Q]1LX]+;4WN$6Q6$W!G)^41[=V[Z8YH`M45XOX)\1P>)O'VM7]QX
MSNQ<17UQ#I6F)<$6LT"QL%D:+^(;?FX(Y7-=KX6\2Q6/@+2+_P`3>)-/NIKF
M1H/[0C8+#,Y=]J@[5&0%P>!RI^M`'9T5A^'O&/A_Q6URNAZG%>-;$"8(K*5R
M2`?F`R.#R.*I0?$?P=<Z\FBP>(+.2_D8(B*259B<!0^-I8GC&<T`=317/:QX
M[\+Z`]Y'J>M6UO+9E!/$26=2XRHV@$DD<\`\5HP:[I-SHBZU%J-L=,:/S/M1
MD`C"]R2>F.AST-`&A17'2^-M(\2>&-<D\+^(+,7EI:2/Y\BL%MSM.'8,,[1C
MK@CV/0V%\7:7X>\'Z3J'B77;/S)K.)GN4.1<N4!9XU`!8$\\+T/04`=317!>
M.O$L%_\`"+5];\.ZHQ3RAY-U:R,C*1(`<$8(/45T/@R>:Z\"^'KBXEDFGETR
MV>221BS.QB4DDGDDGG-`&Y17CG@CX@6.C3^*W\5>(75!K<L%JMS*\I503\J+
MR0HXZ#`XKT]_$>BQZ!_;K:G:C2MN[[7Y@\O&=O7USQCUXH`U**PO#WC+P[XK
M\X:)JL%XT)_>(N59>V=K`''OTJC'\3/!<M]9V47B*SDGO#MA5"6!.[:`2!A2
M3V)&:`.KHK&\0^+-!\*VRSZWJ<%FC_<5R6=_7:@!8]>PH?Q9H$?AY=??5[1=
M*8';=&0;&.2,#U.01CKD4`;-%8WA[Q9H7BNWDGT/4X;U(L>8$R&3.<;E(!&<
M'J.Q]*H1?$;P?/-'%#K]G([Q23*%)/R1JS.Q..``K'GT-`'445R,GQ1\$13V
MD+>)++==Y\HJ2R]<?,P&$Y_O$5UJLKH'1@RL,@@Y!%`"T444`%%%%`!1110`
M4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1
M110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%
M%`!1110`4444`%%%%`!1110`4444`%%%%`!1110!SGC^&*;X>^(O-B239IER
MZ[E!VL(FP1Z'WKS'Q5;00_LQV<D4,<;RVED9&1`"YW)U/?J:]QHH`\TO]+L-
M4_:$@%_:0W*V_AH31+,@8*XN2H;!XSAC^=<)\29X]"\5>)I=&UJSAFFCLTO=
M%OK!'6Z4(JQK"2IW`#!(`7![\#'T-4;V\$LL<LD,;R1_<=E!*_0]J`/#O%=Y
M;V7B_P"'/B7Q!81V5I+99OV^S$1QRM%]QA@D8)Z'D`>U>VVSVM[IT,D`22TG
MB#(-N%:-AQP>V#TJ2>W@NH_+N(8Y4SG;(H89^AJ0``8`P!0!Y9\-;.U63Q[(
M+:$21:_>I&P091>F`>PKCM/MH+WX+?#2UN8EEMY_$\4<L;C(=6GN`01Z$&OH
M2B@#R*]M;70_V@HIM-T]5+>'7G>"V0*9G#.``!W(11^`KRNZU[4]9\)6$EQK
M^GE1JJ2?V%9:='$;3#8\UF"@J,G&><[P,YR!]8U&D$,<CR1Q1J[\NRJ`6^I[
MT`>7Z%HVFZG\=?'%Q?64%S);P6:1><@<*'@7=@'C)"@9],CN:\VNM%=OASJ5
MK9:;<W>G6'C:9I[:U1G98$B`)XY``XSGN*^G:*`/+)O$?@SQ!X/\:MX5BB\Z
M/0W^TRQ6IA4KY4NQ>0,D?-V[CKCCD]5\2:MIZ_#K2[:]L=$M7T*"9=;NK-9?
M)<PD,BLX(&0J@@8/SC/%>]Q00P*5AB2-2<D(H`)]>*)H(KB/RYHDD3.=KJ",
M_0T`?.&G&3_A7?Q0$EQ)<$SPMYSV@M3)EOO^4.$W<'Z8->Y^!/\`DGOAK_L%
M6O\`Z*6N@HH`^=?"&M^#M!USQM/XHTUF:?4+J-+N6V,L4J!B3`O4!SUQQD$9
M/`JO9:CJ_ASX3:C<Z;IS6VD:EK@:Q:_@\Y+&WW`K(ZE6XW*@!(/()'.,_1TT
M$-PH6:))%!#`.H(!'0\]Z<Z+(A1U#*PP589!H`\4^'E[<7_QDFFNO$T'B&7_
M`(1X@WD%JL"+_I"?(-H`;'7=[X[5SQT32S^RL-2_L^V^W"3S?M'ECS-WVOR\
M[NOW/E^E?1D<:0QK'$BHBC"JHP`/84Z@#PJYN;#P]\6++7/&4$DFE7&DP1Z;
M>O"TD-L_E@,K8&,D^8?XL;P>`<A?$TNC30>!/$EEILH\!VEQ*\MM';L!`^\X
ME=!_#N!/?/(P=V#[C-#%<1-%-&DD;=4=00?P-*44H4*@H1C;CC'I0!XQHEUH
MOB?XU:=K'@NPD6QLX)DU6^B@,4,Q9"$&#C+;L=0"<9Y`S61\-M+L/^%!>*-1
M^Q0&],%^/M!C!D`%O@`-U`P3P/4^IKWV*&*",1PQI&@Z*B@`?@*H>(=,?6O#
M6JZ5'(L3WMG-;+(PR%+H5R1[9H`^>O"WB+P39_!J[T>^T[_B?7<$Z(&LRSW<
MK,XB:-\'A>%SQ@J>,]?<?AY9W]A\/-!M=2#+=QV:!D<$,@Q\JD$`@A<`CL13
M?`_A)?"O@_2]&NV@O+BQ,I6<1]"\C/\`+GD?>`_"NHH`****`"BBB@`HHHH`
M****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`H
MHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BB
MB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****
M`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`
M****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`H
MHHH`****`"BBB@`KSO1]7^(GB&P.I6$GA:*U>XGBC2>"X+@1RO'SA\9^3/%>
MB5R7PT_Y$>#_`*_+W_TJEH`K^7\4/^?GPA_X#W/_`,71Y?Q0_P"?GPA_X#W/
M_P`77:T4`<5Y?Q0_Y^?"'_@/<_\`Q='E_%#_`)^?"'_@/<__`!==K10!Q7E_
M%#_GY\(?^`]S_P#%T>7\4/\`GY\(?^`]S_\`%UVM%`'%>7\4/^?GPA_X#W/_
M`,71Y?Q0_P"?GPA_X#W/_P`77:T4`<5Y?Q0_Y^?"'_@/<_\`Q='E_%#_`)^?
M"'_@/<__`!==K10!Q7E_%#_GY\(?^`]S_P#%T>7\4/\`GY\(?^`]S_\`%UVM
M%`'%>7\4/^?GPA_X#W/_`,71Y?Q0_P"?GPA_X#W/_P`77:T4`<5Y?Q0_Y^?"
M'_@/<_\`Q='E_%#_`)^?"'_@/<__`!==K10!Q7E_%#_GY\(?^`]S_P#%T>7\
M4/\`GY\(?^`]S_\`%UVM%`'%>7\4/^?GPA_X#W/_`,71Y?Q0_P"?GPA_X#W/
M_P`77:T4`<5Y?Q0_Y^?"'_@/<_\`Q='E_%#_`)^?"'_@/<__`!==K10!Q7E_
M%#_GY\(?^`]S_P#%T>7\4/\`GY\(?^`]S_\`%UVM%`'%>7\4/^?GPA_X#W/_
M`,74UFGQ&%];F^N/"IM/,7SQ!!<"0IGYMI+XW8SC/&:Z^B@`HKX!HH`^_J*^
M`:*`/OZBO@&B@#[^HKX!HH`^_J*^`:*`/OZBO@&B@#[^HKX!HH`^_J*^`:*`
M/OZBO@&B@#[^HKX!HH`^_J*^`:*`/OZBO@&B@#[^HKX!HH`^_J*^`:*`/OZB
MO@&B@#[^HKX!HH`^_J*^`:*`/OZBO@&B@#[^HKX!HH`^_J*^`:*`/OZBO@&B
M@#[^HKX!HH`^_J*^`:*`/OZBO@&B@#[^HKX!HH`^_J*^`:*`/OZBO@&B@#[^
MHKX!HH`^_J*^`:*`/OZBO@&B@#[^HKX!HH`^_J*^`:*`/OZN2^&G_(CP?]?E
M[_Z52U\75]?_``2_Y)#H7_;Q_P"CY*`._HHHH`****`"BBB@`HHHH`****`"
BBBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`__V3\_
`
end
</TEXT>
</DOCUMENT>
</SUBMISSION>
