<SEC-DOCUMENT>0001571049-17-007081.txt : 20170728
<SEC-HEADER>0001571049-17-007081.hdr.sgml : 20170728
<ACCEPTANCE-DATETIME>20170728170710
ACCESSION NUMBER:		0001571049-17-007081
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20170728
DATE AS OF CHANGE:		20170728

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST FINANCIAL BANCORP /OH/
		CENTRAL INDEX KEY:			0000708955
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				311042001
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-219554
		FILM NUMBER:		17990786

	BUSINESS ADDRESS:	
		STREET 1:		255 EAST FIFTH STREET
		STREET 2:		SUITE 800
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45202
		BUSINESS PHONE:		8773229530

	MAIL ADDRESS:	
		STREET 1:		255 EAST FIFTH STREET
		STREET 2:		SUITE 800
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45202
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>t1702211-424b5.htm
<DESCRIPTION>PROSPECTUS SUPPLEMENT
<TEXT>
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    <title>t1702211-424b5 - none - 1.6375905s</title>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-bottom:49.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">CALCULATION OF REGISTRATION FEE </div>
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            <td style="border-bottom:3px double #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="13">&#8203;</td>
            <td style="padding:0pt;border-bottom:3px double #000000; width:0pt;">&#8203;</td>
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          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.083pt 0pt 2.167pt 0pt; width:303.36pt;text-align:left;">
              <div style="white-space:nowrap;">Title of each class of securities to be registered </div>
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            <td style="padding:0pt;border-bottom:1px solid #000000; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.083pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">Proposed maximum <br >aggregate offering price </div>
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            <td style="padding:0pt;border-bottom:1px solid #000000; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #000000; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.083pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">Amount of <br >registration fee </div>
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            <td style="padding:0pt;border-bottom:1px solid #000000; width:0pt;">&#8203;</td>
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            <td style="border-bottom:3px double #000000;padding:3.25pt 0pt 2pt 0pt; width:303.36pt;text-align:left;">
              <div style="white-space:nowrap;">Common Shares, without par value </div>
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            <td style="padding:0pt;border-bottom:3px double #000000; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:3px double #000000; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.75pt;width:0pt;border-bottom:3px double #000000;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2pt 0pt;border-bottom:3px double #000000; min-width:5.25pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2pt 0pt;border-bottom:3px double #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">100,000,000</td>
            <td style="padding:0pt;padding-left:11.75pt;width:0pt;border-bottom:3px double #000000;">&#8203;</td>
            <td style="padding:0pt;border-bottom:3px double #000000; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:3px double #000000; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.7pt;width:0pt;border-bottom:3px double #000000;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2pt 0pt;border-bottom:3px double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2pt 0pt;border-bottom:3px double #000000; min-width:7.5pt; text-align:right; white-space:nowrap;">(1<font style="position:absolute;">)(2)</font></td>
            <td style="padding:0pt;padding-left:20.7pt;width:0pt;border-bottom:3px double #000000;">&#8203;</td>
            <td style="padding:0pt;border-bottom:3px double #000000; width:0pt;">&#8203;</td>
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            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
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        <div style=" float:left; line-height:12pt; margin-top:11.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">(1)<br ></div>
        <div style=" float:left; margin-top:11.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:435.5pt;">Calculated in accordance with Rule 457(r) and Rule 457(o) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), based on the maximum aggregate offering price. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">(2)<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:435.5pt;">In accordance with Rule 415(a)(6) under the Securities Act, this prospectus supplement includes unsold shares of First Financial Bancorp. common stock having an aggregate offering amount of $100,000,000 that were previously registered on Registration Statement No. 333-197771 filed on July&#160;31, 2014 and a prospectus supplement relating thereto filed on March&#160;3, 2017. Pursuant to Rule 415(a)(6), the filing fee of&#8201; $11,590 previously paid by First Financial Bancorp. with respect to such unsold shares of First Financial Bancorp. common stock is being carried forward, and, accordingly, no registration fee is due hereunder. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="clear:both;font-size:0pt;">&#8203;</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:28pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="width:456pt;">
          <div style="text-align:right; line-height:10pt;">&#8202;Filed pursuant to Rule 424(b)(5)&#8203;</div>
        </div>
        <div style="text-align:right; width:456pt; line-height:10pt;">&#8202;Registration No. 333-219554&#8203;</div>
        <div style="margin-top:1pt; width:456pt; line-height:10.5pt;">PROSPECTUS SUPPLEMENT <br >(To Prospectus dated July&#160;28, 2017) </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:15pt;font-size:14pt;">$100,000,000 </div>
        <div style="position:relative;z-index:-1;margin-top:6pt; text-align:center; width:456pt;">
          <img src="lg_firstfinbancorp.jpg" alt="[MISSING IMAGE: lg_firstfinbancorp.jpg]" height="103" width="245" >
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:17pt;font-size:16pt;">FIRST FINANCIAL BANCORP. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:15pt;font-size:14pt;">Common Shares</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;font-weight:normal;">On March&#160;3, 2017, we entered into a distribution agreement with Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221; or &#8220;sales agent&#8221;) relating to common shares, without par value (the &#8220;Common Shares&#8221;), of First Financial Bancorp. (&#8220;First Financial&#8221;), offered by this prospectus supplement and the accompanying prospectus. In accordance with the terms of the distribution agreement, we may offer and sell Common Shares having aggregate sales proceeds of up to $100,000,000 from time to time through the sales agent, provided, that in no event shall the aggregate number of Common Shares offered and sold under the offerings conducted pursuant to this prospectus supplement exceed 5,000,000 Common Shares. Under the distribution agreement, we may also sell Common Shares directly to Raymond James. Sales of the Common Shares, if any, will be made by means of ordinary brokers&#8217; transactions on NASDAQ Global Select Market at market prices, in block transactions or as otherwise agreed with the sales agent. We will pay Raymond James a commission equal to 2.0% of the gross sales price per Common Share for any Common Shares sold through it under the distribution agreement, including an expense reimbursement of up to $100,000. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;font-weight:normal;">The sales agent is not required to sell any specific number or dollar amount of Common Shares, but, subject to the terms and conditions of the distribution agreement and unless otherwise agreed by the sales agent and us, the sales agent will use its commercially reasonable efforts to sell the Common Shares offered as our agent. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;font-weight:normal;">The Common Shares are listed on NASDAQ Global Select Market under the symbol &#8220;FFBC.&#8221; On July&#160;27, 2017, the closing price for the Common Shares was $25.35. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Investing in our Common Shares involves risks. See &#8220;<font style="text-transform:uppercase;">Risk Factors</font>&#8221; beginning on page <a href="#tRF">S-5</a> of this prospectus supplement, the accompanying prospectus and in the documents incorporated by reference herein for a discussion of factors you should carefully consider before buying Common Shares. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Neither the Securities and Exchange Commission, nor any state securities commission nor any bank regulatory agency has approved or disapproved of these securities or passed upon the accuracy or adequacy of this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal offense. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">These securities are not deposits or accounts or other obligations of any of our bank or non-bank subsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System or any other governmental or regulatory agency or instrumentality. </div>
        <div style="margin-top:18.49pt; text-align:center; width:456pt;">
          <div style="margin-left: 34.21%; margin-right: 34.21%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:17.39pt; text-align:center; width:456pt; line-height:17pt;font-family:Arial, Helvetica, sans-serif;font-size:16pt;">RAYMOND JAMES</div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;">The date of this prospectus supplement is July&#160;28, 2017</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="TOC">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">TABLE OF CONTENTS </div>
        <table style="width:456pt;height:539pt;margin-top:7pt;border-collapse: collapse;">
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 2pt 0pt; width:414pt;">Prospectus Supplement</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:16.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#tATPS">ABOUT THIS PROSPECTUS SUPPLEMENT</a></div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:16.5pt 0pt 2.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:16.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#tATPS">S-1</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#tPSS">PROSPECTUS SUPPLEMENT SUMMARY</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#tPSS">S-2</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#tSNRFLS">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#tSNRFLS">S-4</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#tRF">RISK FACTORS</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#tRF">S-5</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#tUOP">USE OF PROCEEDS</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#tUOP">S-7</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#tPOD">PLAN OF DISTRIBUTION</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#tPOD">S-8</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;"><a href="#tEXP">EXPERTS</a></td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#tEXP">S-9</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#tLM">LEGAL MATTERS</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:16.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bATP">1</a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bFLS">2</a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bWYCFMI">3</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bIBR">3</a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bFFB">4</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bRF">4</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bROETFC">5</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bUOP">5</a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bDODS">6</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bDOCS">14</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bDODS2">17</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bDOW">21</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bDOR">22</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bDOSPC">23</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bDOU">24</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bPOD">24</a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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              <div style="white-space:nowrap;"><a href="#bLM">LEGAL MATTERS</a></div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.5pt 0pt 2.5pt 0pt; width:414pt;text-align:left;"><a href="#bEXP">EXPERTS</a></td>
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            <td style="padding:4.5pt 0pt 2.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;"><a href="#bEXP">26</a></td>
            <td style="padding:0pt;padding-left:7.96pt;width:0pt;">&#8203;</td>
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        <div style="text-indent:20pt; margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">You should rely only on the information contained or incorporated by reference in this prospectus supplement, the accompanying prospectus or any related free writing prospectus that we may provide to you. We have not, and the sales agent has not, authorized anyone to provide you with information that is different. This document may only be used where it is legal to sell these securities. You should not assume that any information contained in or incorporated by reference in this prospectus supplement or the accompanying prospectus is accurate as of any date other than the respective dates thereof. </div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-i</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
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        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">It is important for you to read and consider all of the information contained in this prospectus supplement, the accompanying prospectus and the information incorporated by reference herein and therein before making an investment decision. Please carefully read this prospectus supplement, the accompanying prospectus and the information contained in the documents referred to under the heading &#8220;<font style="text-transform:uppercase;">Where You Can Find More Information</font>.&#8221;</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;font-weight:normal;">S-ii</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tATPS">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">ABOUT THIS PROSPECTUS SUPPLEMENT </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">This prospectus supplement is part of a registration statement that we filed with the Securities and Exchange Commission, or the SEC, using a &#8220;shelf&#8221; registration process. Under this prospectus supplement, and the accompanying base prospectus, we may offer our Common Shares having an aggregate offering price of up to $100,000,000 from time to time at prices and on terms to be determined by market conditions at the time of the offering. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We provide information to you about this offering of our Common Shares in two separate documents that are bound together: (1) this prospectus supplement, which describes the specific details regarding this offering; and (2) the accompanying base prospectus, which provides general information, some of which may not apply to this offering. Generally, when we refer to this &#8220;prospectus,&#8221; we are referring to both documents combined. If information in this prospectus supplement is inconsistent with the accompanying base prospectus, you should rely on this prospectus supplement. However, if any statement in one of these documents is inconsistent with a statement in another document having a later date, for example, a document incorporated by reference in this prospectus supplement, the statement in the document having the later date modifies or supersedes the earlier statement as our business, financial condition, results of operations and prospects may have changed since the earlier dates. You should also read and consider the additional information under the captions &#8220;<font style="font-weight:bold;">WHERE YOU CAN FIND MORE INFORMATION</font>&#8221; and &#8220;<font style="font-weight:bold;">INFORMATION INCORPORATED BY REFERENCE</font>&#8221; in this prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In making your investment decision, you should rely only on the information contained or incorporated by reference in this prospectus supplement, in the accompanying base prospectus and in any free writing prospectus with respect to this offering filed by us with the SEC. We have not, and Raymond James has not, authorized any other person to provide you with different information. If anyone provides you with different or inconsistent information you should not rely on it. You should assume that the information appearing in this prospectus supplement, the accompanying base prospectus, any free writing prospectus with respect to this offering filed by us with the SEC and the documents incorporated by reference herein and therein is accurate only as of their respective dates. Our business, financial condition, results of operations and prospects may have changed since those dates. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We are offering to sell Common Shares only in jurisdictions where offers and sales are permitted. The distribution of this prospectus supplement and the accompanying base prospectus and the offering of the Common Shares in certain jurisdictions may be restricted by law. Persons outside the United States who come into possession of this prospectus supplement and the accompanying base prospectus must inform themselves about, and observe any restrictions relating to, the offering of the Common Shares and the distribution of this prospectus supplement and the accompanying base prospectus outside the United States. This prospectus supplement and the accompanying base prospectus do not constitute, and may not be used in connection with, an offer to sell, or a solicitation of an offer to buy, any securities offered by this prospectus supplement and the accompanying base prospectus by any person in any jurisdiction in which it is unlawful for such person to make such an offer or solicitation. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The words &#8220;First Financial Bancorp.,&#8221; &#8220;First Financial,&#8221; &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;our,&#8221; &#8220;ours&#8221; and &#8220;us&#8221; as used herein refer to First Financial Bancorp. and its subsidiaries, unless otherwise stated.</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-1</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tPSS">&#8203;</a></div>
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          <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">PROSPECTUS SUPPLEMENT SUMMARY </div>
          <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;font-style:italic;">You should read the following summary in conjunction with the more detailed information contained in this prospectus supplement and in the accompanying prospectus, including the information incorporated by reference in each. To the extent the following information is inconsistent with the information in the accompanying prospectus, you should rely on the following information. You should pay special attention to the &#8220;<font style="font-style:normal;font-weight:bold;text-transform:uppercase;">Risk Factors</font>&#8221; section beginning on page <a href="#tRF">S-5</a> of this prospectus supplement, &#8220;Item 1A. Risk Factors&#8221; in Part I of our Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2016, which is incorporated by reference herein, and the risks described in the other documents incorporated by reference herein to determine whether an investment in Common Shares is appropriate for you.</div>
          <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">FIRST FINANCIAL BANCORP. </div>
          <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">First Financial Bancorp. is a mid-sized, regional bank holding company formed in 1982 under the laws of the State of Ohio and registered under the Bank Holding Company Act of 1956, as amended. First Financial engages in the business of commercial banking and other banking and banking-related activities through its wholly owned subsidiary, First Financial Bank (the &#8220;Bank&#8221;), which was founded in 1863. Effective December&#160;30, 2016, the Bank converted its charter to an Ohio state chartered bank from a nationally chartered bank. </div>
          <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The range of banking services provided by First Financial to individuals and businesses includes commercial lending, real estate lending, and consumer financing. Real estate loans are loans secured by a mortgage lien on the real property of the borrower, which may either be residential property (one to four family residential housing units) or commercial property (owner-occupied and/or investor income producing real estate, such as apartments, shopping centers, or office buildings). Risk of loss related to lending activities is managed by adherence to standard loan policies that establish certain levels of performance prior to the extension of a loan to the borrower. In addition, First Financial offers deposit products that include interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for commercial customers. A full range of trust and wealth management services is also provided through First Financial&#8217;s Wealth Management division. </div>
          <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">First Financial&#8217;s goal is to develop a competitive advantage through a local market focus, building long-term relationships with clients and helping them reach greater levels of financial success. First Financial serves a combination of metropolitan and non-metropolitan markets in Ohio, Indiana and Kentucky through its full-service banking centers, and provides financing to franchise owners and the financial services industry throughout the United States. First Financial&#8217;s market selection process is based upon a number of factors, but markets are primarily chosen for their potential for growth, long-term profitability, and customer reach. First Financial&#8217;s investment in non-metropolitan markets has historically provided stable, low-cost funding sources and remains an important part of the Bank&#8217;s core funding base. </div>
          <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">As of June&#160;30, 2017, First Financial had approximately $8.7 billion in total assets, $5.83 billion in loans, $6.5 billion in deposits and $898 million in shareholders&#8217; equity, and First Financial Bank had 102 banking centers (61 in Ohio, 37 in Indiana and 4 in Kentucky) and 124 ATM centers (72 in Ohio, 48 in Indiana and 4 in Kentucky). First Financial and its subsidiaries had 1,505 full-time and part-time employees at June&#160;30, 2017. </div>
          <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our principal executive offices are located at 255 East Fifth Street, Suite 700, Cincinnati, Ohio 45202, and our telephone number is (877) 322-9530. We maintain a website at <font style="font-style:italic;">www.bankatfirst.com</font> where general information about us is available. The information on our website is not a part of, and is not incorporated into, this prospectus supplement or the accompanying prospectus. <br ></div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-2</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
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          <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">The Offering </div>
          <div style="width:152pt;">
            <div style="margin-top:6pt; line-height:12pt;">Issuer </div>
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          <div style="margin-left:176pt; margin-top:-12pt; width:280pt; line-height:12pt;">First Financial Bancorp. </div>
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            <div style="margin-top:6pt; line-height:12pt;">Common Shares offered </div>
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          <div style="margin-left:176pt; margin-top:-12pt; width:280pt; line-height:12pt;">Common Shares having aggregate sales proceeds of up to $100,000,000. All of the Common Shares that are the subject of this offering will be issued from Common Shares that we hold as treasury shares. The aggregate number of Common Shares offered and sold pursuant to this prospectus supplement will not exceed 5,000,000. </div>
          <div style="width:152pt;">
            <div style="margin-top:6pt; line-height:12pt;">Manner of offering </div>
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          <div style="margin-left:176pt; margin-top:-12pt; width:280pt; line-height:12pt;">&#8220;At-the-market&#8221; offering that may be made from time to time through Raymond James. See &#8220;Plan of Distribution&#8221; on <a href="#tPOD">page&#160;S-8</a> of this prospectus supplement. </div>
          <div style="width:152pt;">
            <div style="margin-top:6pt; line-height:12pt;">Dividends </div>
          </div>
          <div style="margin-left:176pt; margin-top:-12pt; width:280pt; line-height:12pt;">We currently pay quarterly dividends on Common Shares. We paid a quarterly cash dividend of&#8201; $0.17 per Common Share on April&#160;3, 2017 and July&#160;3, 2017. Our Board of Directors has also authorized a dividend of&#8201; $0.17 per common share for the next regularly scheduled dividend, payable on October&#160;2, 2017 to holders of record as of September&#160;2, 2017. The declaration and payment of future dividends on our Common Shares will be at the discretion of our Board of Directors. Our dividend payments may be changed, reduced or eliminated altogether. See &#8220;<font style="font-weight:bold;text-transform:uppercase;">Risk Factors</font>&#8221; beginning on page <a href="#tRF">5</a> of this prospectus supplement, &#8220;Item 1A. Risk Factors&#8221; in Part I of our Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2016, which is incorporated by reference herein, and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus for information regarding restrictions on our ability to pay dividends on Common Shares. </div>
          <div style="width:152pt;">
            <div style="margin-top:6pt; line-height:12pt;">Use of proceeds </div>
          </div>
          <div style="margin-left:176pt; margin-top:-12pt; width:280pt; line-height:12pt;">We intend to use the net proceeds from this offering for general corporate purposes, which may include but are not limited to working capital, capital expenditures, investments in or loans to our subsidiaries, acquisition opportunities, payment and refinancing of debt, including outstanding short-term indebtedness, if any, and satisfaction of other obligations. </div>
          <div style="width:152pt;">
            <div style="margin-top:6pt; line-height:12pt;">Risk factors </div>
          </div>
          <div style="margin-left:176pt; margin-top:-12pt; width:280pt; line-height:12pt;">See &#8220;<font style="font-weight:bold;text-transform:uppercase;">Risk Factors</font>&#8221; beginning on page <a href="#tRF">5</a> of this prospectus supplement, &#8220;Item 1A. Risk Factors&#8221; in Part I of our Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2016, which is incorporated by reference herein, and the risks described in the other documents incorporated by reference herein and other information included or incorporated by reference in this prospectus supplement for a discussion of factors you should carefully consider before buying Common Shares. </div>
          <div style="width:152pt;">
            <div style="margin-left:10pt; text-indent:-10pt; margin-top:6pt; line-height:12pt;">NASDAQ Global Select Market symbol </div>
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          <div style="margin-left:176pt; margin-top:-12pt; width:280pt; line-height:12pt;">FFBC<br ></div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-3</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tSNRFLS">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">This prospectus supplement contains or incorporates by reference certain statements that are not statements of historical fact, but, rather, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, the statements specifically identified as forward-looking statements within this prospectus supplement. Examples of forward-looking statements include: (i) projections of income or expense, earnings per share, the payment or non-payment of dividends, capital structure and other financial items; (ii) statements of our plans and objectives or our management or Board of Directors, including those relating to products or services; (iii) statements of future economic performance; and (iv) statements of assumptions underlying such statements. Words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;intends,&#8221; &#8220;targeted&#8221; and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying those statements. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The Private Securities Litigation Reform Act of 1995 provides a &#8220;safe harbor&#8221; for forward-looking statements to encourage companies to provide prospective information so long as those statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those discussed in the forward-looking statements. We desire to take advantage of the &#8220;safe harbor&#8221; provisions of the Private Securities Litigation Reform Act of 1995. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Forward-looking statements involve risks and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various factors and possible events, including those factors and events identified (i) in &#8220;Item 1A. Risk Factors&#8221; of the Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2016 and (ii) in the &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; section of First Financial&#8217;s 2016 Annual Report (included within Exhibit 13 to the Annual Report on Form 10-K). </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Forward-looking statements speak only as of the date on which they are made, and, except as may be required by law, we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events. All subsequent written and oral forward-looking statements attributable to us or any person acting on our behalf are qualified in their entirety by the foregoing cautionary statements. You are advised, however, to consult any further disclosures we make on related subjects in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K filed with or furnished to the SEC. Also note that we provide cautionary discussion of risks, uncertainties and possibly inaccurate assumptions relevant to our business in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K incorporated by reference herein and in prospectus supplements, pricing supplements and other offering materials. These are factors that, individually or in the aggregate, management believes could cause our actual results to differ materially from expected and historical results. We note these factors for investors as permitted by the Private Securities Litigation Reform Act of 1995. You should understand that it is not possible to predict or identify all such factors. Consequently, you should not consider such disclosures to be a complete discussion of all potential risks or uncertainties.</div>
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      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-4</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tRF">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">RISK FACTORS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;font-style:italic;">An investment in our Common Shares involves risks. You should carefully consider the following risk factors and other information contained in this prospectus supplement and the accompanying prospectus, including the information incorporated by reference in each, before making an investment decision. Certain risks related to us and our business are described in &#8220;Item 1A. Risk Factors&#8221; in Part I of our Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2016. The risks discussed below also include forward-looking statements, and our actual results may differ materially from those discussed in these forward-looking statements. Risks and uncertainties not presently known to us or that we currently deem immaterial also may impair our business operations. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">The Common Shares offered under this prospectus supplement and the accompanying prospectus may be sold in &#8220;at-the-market&#8221; offerings, and investors who buy shares at different times will likely pay different prices. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Investors who purchase shares under this prospectus supplement and the accompanying prospectus at different times will likely pay different prices, and so may experience different outcomes in their investment results. We will have discretion, subject to market demand, to vary the timing, prices, and numbers of shares sold, and there is no minimum or maximum sales price. Investors may experience declines in the value of their shares as a result of share sales made at prices lower than the prices they paid. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">The actual number of shares we will issue under the distribution agreement, at any one time or in total, is uncertain. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Subject to certain limitations in the distribution agreement and compliance with applicable law, we and Raymond James may mutually agree to sell Common Shares pursuant to a transaction notice at any time throughout the term of the distribution agreement. The number of shares that are sold by Raymond James after agreement on the terms of such transaction notice will fluctuate based on the market price of the Common Shares during the sales period and limits we set with Raymond James. Because the price per share of each share sold will fluctuate based on the market price of our Common Shares during the sales period, it is not possible at this stage to predict the number of shares that will ultimately be issued. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">Our Common Shares represent equity interests in First Financial Bancorp. and are subordinate to all of our existing and future indebtedness. Regulatory, statutory and contractual restrictions may limit or prevent us from paying dividends on our Common Shares and there is no limitation on the amount of indebtedness we and our subsidiaries may incur in the future. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our Common Shares are equity interests in First Financial Bancorp. and do not constitute indebtedness. As such, our Common Shares rank junior to all of our indebtedness and to other non-equity claims with respect to assets available to satisfy claims on First Financial, including in a liquidation of First Financial. Additionally, unlike indebtedness, for which principal and interest are customarily payable on specified due dates, in the case of our Common Shares: (1) dividends are payable only when, as and if authorized and declared by our Board of Directors and depend on, among other things, our results of operations, financial condition, debt service requirements, other cash needs and any other factors our Board of Directors deems relevant; and (2) as an Ohio corporation, we are subject to restrictions under Ohio law on payments of dividends out of lawfully available funds. Accordingly, our ability to declare and pay dividends on our Common Shares may be restricted. See the discussion under the caption <font style="font-weight:bold;">&#8220;</font><font style="font-weight:bold;text-transform:uppercase;">Description of Common Shares</font><font style="font-weight:bold;"> &#8212; Dividends.&#8221;</font></div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our Common Shares do not limit the amount of debt or other obligations we may incur in the future. Accordingly, we may incur substantial amounts of additional debt and other obligations that will rank senior to our Common Shares or to which the Common Shares will be structurally subordinated. </div>
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      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-5</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">The trading price of our Common Shares may fluctuate significantly and this may make it difficult for you to resell the Common Shares when you want or at prices you find attractive. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The trading price of our Common Shares will likely continue to fluctuate in response to a number of factors, most of which are beyond our control. The trading price of our Common Shares may also be affected by conditions that generally affect the financial markets, including potential volatility of the trading markets. These conditions may result in: (1) fluctuations in the trading prices of shares generally and, in turn, our Common Shares; and (2) sales of substantial amounts of our Common Shares in the market, in each case that could be unrelated or disproportionate to changes in our operating performance. These broad market fluctuations may adversely affect the trading price of our Common Shares. A significant decline in our share price could result in substantial losses for shareholders and could lead to costly and disruptive securities litigation. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">There may be future sales of additional Common Shares or preferred shares or other dilution of our equity, which may adversely affect the trading price of our Common Shares. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We are not restricted from issuing additional Common Shares or preferred shares, including any securities that are convertible into or exchangeable for, or that represent the right to receive, Common Shares or preferred shares or any substantially similar securities. The per share trading price of our Common Shares could decline as a result of sales by us of a large number of Common Shares or preferred shares or similar securities in the market or the perception that such sales could occur. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">We have broad discretion in the use of the net proceeds from this offering and may allocate the net proceeds in ways that you and other shareholders may not approve. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our management has broad discretion in the use of the net proceeds, including for any of the purposes described in the section entitled &#8220;<font style="font-weight:bold;">Use of Proceeds</font>,&#8221; and you will not have the opportunity as part of your investment decision to assess whether the net proceeds are being used appropriately. Because of the number and variability of factors that will determine our use of the net proceeds from this offering, their ultimate use may vary substantially from their currently intended use. The failure of our management to use these funds effectively could have a material adverse effect on our business and cause the market price of our Common Shares to decline. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">We are a holding company and depend on our subsidiaries for dividends, distributions and other payments. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">As a bank holding company, we are a legal entity separate and distinct from First Financial Bank and other subsidiaries and affiliates. Our principal source of funds to pay dividends on our Common Shares and service our debt is dividends from these subsidiaries. Various federal and state statutory provisions and regulations limit the amount of dividends that our banking and other subsidiaries may pay to us without regulatory approval. Our banking subsidiaries generally may not, without prior regulatory approval, pay a dividend in an amount greater than their undivided profits. The Federal Reserve Board has issued a policy statement that provides that bank holding companies should generally only pay dividends out of current operating earnings. Further, the ability of First Financial Bank to pay dividends in the future is currently influenced, and could be further influenced, by bank regulatory policies and capital guidelines and may restrict our ability to declare and pay dividends. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In addition, if any of our subsidiaries becomes insolvent, the direct creditors of that subsidiary will have a prior claim on its assets. Our rights and the rights of our creditors will be subject to that prior claim, unless we are also a direct creditor of that subsidiary. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;">Anti-takeover provisions could negatively impact our shareholders. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Provisions of Ohio law and our Articles of Incorporation, as amended (&#8220;Articles&#8221;), could make it more difficult for a third party to acquire control of us or have the effect of discouraging a third party from attempting to acquire control of us.</div>
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      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-6</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tUOP">&#8203;</a></div>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">USE OF PROCEEDS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We intend to use the net proceeds from the offerings pursuant to this prospectus supplement for general corporate purposes, which may include but are not limited to working capital, capital expenditures, investments in or loans to our subsidiaries, acquisition opportunities, payment and refinancing of debt, including outstanding short-term indebtedness, if any, and satisfaction of other obligations. We believe that the additional tangible common equity capital that would be represented by the net proceeds will provide us with greater flexibility to utilize and deploy our capital resources. The precise amounts and timing of the application of proceeds will depend on the funding requirements of First Financial and our subsidiaries.</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-7</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tPOD">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">PLAN OF DISTRIBUTION </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We have entered into a distribution agreement under which we may issue and sell our Common Shares having an aggregate sales price of up to $100,000,000 from time to time through Raymond James as our sales agent. Sales of the our Common Shares, if any, may be made by means of ordinary brokers&#8217; transactions on the NASDAQ Global Select Market or otherwise at market prices, in block transactions or as otherwise agreed with Raymond James. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Raymond James, as sales agent, is not required to sell any specific number or dollar amount of Common Shares but will use commercially reasonable efforts to solicit offers to purchase the Common Shares upon entering into a transaction notice with us that will specify the number of Common Shares to be sold and such other matters as may be agreed upon by us and Raymond James. Subject to the terms and conditions of the distribution agreement, Raymond James will use commercially reasonable efforts to sell on our behalf all of the designated Common Shares pursuant to the terms agreed to with us, which terms will include the number of Common Shares to be offered and any minimum price below which sales may not be made. The obligation of Raymond James under the distribution agreement to sell shares pursuant to any transaction notice is subject to a number of conditions, which Raymond James reserves the right to waive in its sole discretion. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Raymond James, in its capacity as sales agent, may arrange for or make sales at the market in the existing trading market for our Common Shares, including sales made to or through a market maker or through an electronic communications network, or in any other manner that may be deemed to be an &#8220;at-the-market&#8221; offering as defined in Rule 415 promulgated under the Securities Act. If agreed to in a transaction notice, we may also sell Common Shares to Raymond James as principal, at a purchase price agreed upon by Raymond James and us. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will pay Raymond James a commission equal to 2.0% of the gross sales price of any such shares sold through it as sales agent, or purchased by it as principal, as set forth in the distribution agreement. The remaining sales proceeds, after deducting any transaction fees imposed by any governmental or self-regulatory organization in connection with the sales, will equal our net proceeds for the sale of the Common Shares. We have also agreed to reimburse Raymond James for its out-of-pocket expenses, up to $100,000 of fees and expenses, as provided in the distribution agreement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Settlement for sales of Common Shares will occur on the third business day following the date on which any sales are made (or an earlier day if an earlier day becomes the industry practice for regular way trading) in return for payment of the net proceeds to us. There is no arrangement for funds to be received in an escrow, trust or similar arrangement. We will report at least quarterly the number of Common Shares sold through Raymond James, as agent, in at-the-market offerings, the net proceeds to us and the compensation paid by us to Raymond James in connection with such sales. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">During the purchase date referenced in an executed transaction notice, we will not (i) offer, pledge, announce the intention to sell, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase or otherwise transfer or dispose of, directly or indirectly, any of our Common Shares or any securities convertible into or exercisable or exchangeable for such shares or (ii) enter into any swap or other agreement that transfers, in whole or in part, any of the economic consequences of ownership of such shares, whether any such transaction described in clause (i) or (ii) above is to be settled by delivery of Common Shares or such other securities, in cash or otherwise, without the prior written consent of Raymond James, other than the shares to be sold pursuant to the distribution agreement and shares issued upon the exercise or conversion of any of our securities, convertible securities, options or rights outstanding at the beginning of such period or any grants of options or awards or securities issued pursuant to existing stock-based compensation plans.</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-8</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tEXP">&#8203;</a><a name="tLM">&#8203;</a><a name="tWYCFMI">&#8203;</a><a name="tIIBR">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">EXPERTS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The consolidated financial statements of First Financial as of December&#160;31, 2016, and for the year then ended incorporated in this prospectus supplement by reference to our Annual Report on Form 10-K for the year ended December&#160;31, 2016 have been so incorporated in reliance on the report of Crowe Horwath LLP, independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The consolidated financial statements of First Financial as of December&#160;31, 2015 and 2014 and for the years then ended incorporated in this prospectus supplement by reference to our Annual Report on Form 10-K for the year ended December&#160;31, 2016 were audited by Ernst &amp; Young LLP, an independent registered public accounting firm, as set forth in their report thereon and are so incorporated herein in reliance upon such report given on the authority of such firm as experts in accounting and auditing. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">LEGAL MATTERS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The legality of the Common Shares being offered by this prospectus supplement is being passed upon for First Financial by the law firm of Vorys, Sater, Seymour and Pease LLP, Cincinnati, Ohio. As of July&#160;26, 2017, Vorys, Sater, Seymour and Pease LLP attorneys, together with members of their immediate families, owned an aggregate of 8,930 of our Common Shares. Certain legal matters will be passed upon by Morrison &amp; Foerster LLP, New York, New York for the sales agent. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">WHERE YOU CAN FIND MORE INFORMATION </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We file annual, quarterly and current reports, proxy statements and other information with the SEC. The reports, proxy statements and other information that we file with the SEC are available to the public from the SEC&#8217;s Internet site at <font style="font-style:italic;">http://www.sec.gov</font>. Copies of certain information filed by us with the SEC are also available through our Internet site at <font style="font-style:italic;">http://www.bankatfirst.com</font>. The information on the SEC Internet site and on our Internet site is not a part of this prospectus supplement. You may also read and copy any document we file with the SEC by visiting the SEC&#8217;s Public Reference Room in Washington, D.C. The SEC&#8217;s address in Washington, D.C. is 100 F Street N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for information on the operation of the Public Reference Room. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">INFORMATION INCORPORATED BY REFERENCE </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The SEC allows us to &#8220;incorporate by reference&#8221; into this prospectus supplement information that we file with the SEC. This means that we can disclose important information to you by referring you to those documents. Any information we incorporate in this manner is considered part of this prospectus supplement except to the extent updated and superseded by information contained in or incorporated by reference into this prospectus supplement. Except as otherwise noted below, we incorporate by reference the following documents that we have filed with the SEC under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;): </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">our Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2016; </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">our Quarterly Report on Form 10-Q for the quarter ended March&#160;31, 2017; </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">our Current Reports on Form 8-K filed on January&#160;3, 2017, January&#160;20, 2017, February&#160;6, 2017, March&#160;3, 2017, March&#160;9, 2017, March&#160;30, 2017, April&#160;20, 2017, May&#160;9, 2017, May&#160;24, 2017, July&#160;25, 2017, and July 27, 2017; and </div>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the description of our Common Shares which is contained in our Registration Statement on Form S-3 (File No. 333-197771) filed with the SEC on July&#160;31, 2014, together with any subsequent registration statement or report filed for the purpose of updating such description. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-9</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In addition, we also incorporate by reference all documents subsequently filed by us with the SEC pursuant to Section 13(a), 13(c), 14 and 15(d) of the Exchange Act after the date of this prospectus supplement and prior to the filing of a post-effective amendment that indicates that all securities offered have been sold or that deregisters all securities then remaining unsold. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Pursuant to General Instruction B of Form 8-K, any information furnished pursuant to &#8220;Item 2.02. Results of Operations and Financial Condition&#8221;, or &#8220;Item 7.01. Regulation FD Disclosure&#8221; of Form 8-K is not deemed to be &#8220;filed&#8221; for purposes of Section 18 of the Exchange Act, and we are not incorporating by reference any information furnished pursuant to Item 2.02 or Item 7.01 of Form 8-K (including exhibits filed on such form that are related to such items) into this prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Statements contained in this prospectus supplement as to the contents of any contract, agreement or other document referred to in this prospectus supplement do not purport to be complete, and, where reference is made to the particular provisions of that contract, agreement or other document, those references are qualified in all respects by reference to all of the provisions contained in that contract, agreement or other document. Any statement contained in a document incorporated by reference, or deemed to be incorporated by reference, into this prospectus supplement will be deemed to be modified or superseded for purposes of this prospectus supplement to the extent that a statement contained herein or in any other subsequently filed document which also is incorporated by reference in this prospectus supplement modifies or supersedes that statement. Any such statement so modified or superseded will not be deemed, except as so modified or superseded, to constitute a part of this prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will provide without charge, upon written or oral request, a copy of any or all of the documents that are incorporated by reference into this prospectus supplement (other than exhibits, unless they are specifically incorporated by reference in the documents) and a copy of any or all other contracts, agreements or documents which are referred to in this prospectus supplement. Requests should be directed to: </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;">First Financial Bancorp. <br >255 East Fifth Street, Suite 2900 <br >Cincinnati, OH 45202 <br >Telephone: (877) 322-9530 <br >Attention: Investor Relations</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">S-10</div>
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        <div style="margin-top:12pt; width:456pt; line-height:11pt;">PROSPECTUS </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:15pt;font-size:14pt;">First Financial Bancorp. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:13pt;font-size:12pt;">Debt Securities <br >Common Shares <br >Preferred Shares <br >Depositary Shares <br >Warrants <br >Rights <br >Stock Purchase Contracts <br >Units </div>
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          <div style="margin-left: 38.158%; margin-right: 38.158%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="text-indent:20pt; margin-top:7.19pt; width:456pt; line-height:12pt;font-weight:normal;">The securities listed above may be offered and sold by us from time to time in one or more separate offerings, in amounts, at prices and on other terms to be determined at the time of an offering. We may offer the securities independently or together in any combination for sale directly to purchasers or through underwriters, dealers or agents to be designated at a future date. The specific terms and manner of offering of these securities will be provided in supplements to this prospectus. You should read this prospectus and the applicable prospectus supplement carefully before you invest in the securities described in the applicable prospectus supplement. This prospectus may not be used to consummate sales of securities unless accompanied by a prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;font-weight:normal;">First Financial Bancorp.&#8217;s common shares are traded on the NASDAQ Global Select Market under the symbol &#8220;FFBC.&#8221; </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">You should read this prospectus and any supplements carefully before you invest. Investing in our securities involves a high degree of risk. See the section entitled &#8220;Risk Factors,&#8221; on page <a href="#bRF">4</a> of this prospectus and in the documents we file with the Securities and Exchange Commission that are incorporated in this prospectus by reference for certain risks and uncertainties you should consider. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Neither the Securities and Exchange Commission, nor any state securities commission or bank regulatory agency, has approved or disapproved of these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Any securities offered by this prospectus and any accompanying prospectus supplement will be our equity securities or unsecured obligations and will not be deposits or accounts or other obligations of any of our bank or non-bank subsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation, The Board of Governors of the Federal Reserve System or any other governmental or regulatory agency or instrumentality. </div>
        <div style="margin-top:11.88pt; text-align:center; width:456pt;">
          <div style="margin-left: 38.158%; margin-right: 38.158%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:176.39pt; text-align:center; width:456pt; line-height:12pt;font-weight:normal;">The date of this prospectus is July&#160;28, 2017.</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="TOC2">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">TABLE OF CONTENTS </div>
        <table style="width:456pt;height:265pt;margin-top:7pt;border-collapse: collapse;">
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bATP">About This Prospectus</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bATP">1</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bFLS">Forward-Looking Statements </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bFLS">2</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bWYCFMI">Where You Can Find More Information</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bWYCFMI">3</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bIBR">Incorporation By Reference </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bIBR">3</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bFFB">First Financial Bancorp </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bFFB">4</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bRF">Risk Factors</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bRF">4</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bROETFC">Ratio Of Earnings To Fixed Charges </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bROETFC">5</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bUOP">Use Of Proceeds </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bUOP">5</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bDODS">Description Of Debt Securities </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bDODS">6</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bDOCS">Description Of Capital Stock </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bDOCS">14</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bDODS2">Description Of Depositary Shares </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bDODS2">17</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bDOW">Description Of Warrants</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bDOW">21</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bDOR">Description Of Rights </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bDOR">22</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bDOSPC">Description Of Stock Purchase Contracts </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bDOSPC">23</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bDOU">Description Of Units </a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bDOU">24</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bPOD">Plan Of Distribution</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bPOD">24</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;">
              <div style="white-space:nowrap;"><a href="#bLM">Legal Matters</a></div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bLM">26</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414pt;text-align:left;"><a href="#bEXP">Experts</a></td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;"><a href="#bEXP">26</a></td>
            <td style="padding:0pt;padding-left:10pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">i</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bATP">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">ABOUT THIS PROSPECTUS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">This prospectus is a part of a registration statement that we have filed with the Securities and Exchange Commission (&#8220;SEC&#8221;) using a &#8220;shelf&#8221; registration process. Under this shelf registration statement, we may, from time to time, offer any combination of the securities described in this prospectus in one or more separate offerings. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">This prospectus describes the general terms of the securities we may offer and the general manner in which we may offer the securities. Each time we offer securities under this prospectus, we will provide a prospectus supplement that will describe the specific terms of the securities offered and the specific manner in which we will offer the securities. A prospectus supplement may include a discussion of any risk factors or other special considerations applicable to those securities or to us. The prospectus supplement may also add, update or change information contained in this prospectus. If there is any inconsistency between the information in this prospectus and the applicable prospectus supplement, you should rely on the information in the applicable prospectus supplement. You should carefully read both this prospectus and the applicable prospectus supplement, together with the information described under the headings &#8220;<font style="font-weight:bold;">Where You Can Find More Information</font>&#8221; and &#8220;<font style="font-weight:bold;">Incorporation By Reference</font>,&#8221; before deciding whether to invest in any of our securities. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">You should rely only on the information contained or incorporated by reference in this prospectus and the applicable prospectus supplement. We have not authorized anyone to provide you with additional or different information. If anyone provides you with different, additional or inconsistent information, you should not rely on it. This prospectus is not an offer to sell these securities, and it is not soliciting an offer to buy these securities, in any jurisdiction where it is not permitted. You should not assume that the information in this prospectus or the applicable prospectus supplement or any document incorporated by reference is accurate as of any date other than the dates of the applicable documents. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Unless the context requires otherwise, references to &#8220;First Financial Bancorp.,&#8221; &#8220;First Financial,&#8221; the &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;our,&#8221; &#8220;ours&#8221; and &#8220;us&#8221; are to First Financial Bancorp. and its subsidiaries. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Unless otherwise indicated, currency amounts in this prospectus and in any applicable prospectus supplement are stated in United States dollars. <br ></div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">1</div>
      </div>
      <hr >
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bFLS">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">FORWARD-LOOKING STATEMENTS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">This prospectus and the documents incorporated herein by reference may contain certain statements that are not statements of historical fact, but, rather, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, the statements specifically identified as forward-looking statements within this prospectus. Examples of forward-looking statements include: (i) projections of income or expense, earnings per share, the payment or non-payment of dividends, capital structure and other financial items; (ii) statements of our plans and objectives or our management or Board of Directors, including those relating to products or services; (iii) statements of future economic performance; and (iv) statements of assumptions underlying such statements. Words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;intends,&#8221; &#8220;targeted&#8221; and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying those statements. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The Private Securities Litigation Reform Act of 1995 provides a &#8220;safe harbor&#8221; for forward-looking statements to encourage companies to provide prospective information so long as those statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those discussed in the forward-looking statements. We desire to take advantage of the &#8220;safe harbor&#8221; provisions of the Private Securities Litigation Reform Act of 1995. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Forward-looking statements involve risks and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various factors and possible events, including those factors and events identified (i) in &#8220;Item 1A. Risk Factors&#8221; of the Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2016 and (ii) in the &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; section of First Financial&#8217;s 2016 Annual Report (included within Exhibit 13 to the Annual Report on Form 10-K). </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Forward-looking statements speak only as of the date on which they are made, and, except as may be required by law, we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events. All subsequent written and oral forward-looking statements attributable to us or any person acting on our behalf are qualified in their entirety by the foregoing cautionary statements. You are advised, however, to consult any further disclosures we make on related subjects in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K filed with or furnished to the SEC. Also note that we provide cautionary discussion of risks, uncertainties and possibly inaccurate assumptions relevant to our business in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K incorporated by reference herein and in prospectus supplements, pricing supplements and other offering materials. These are factors that, individually or in the aggregate, management believes could cause our actual results to differ materially from expected and historical results. We note these factors for investors as permitted by the Private Securities Litigation Reform Act of 1995. You should understand that it is not possible to predict or identify all such factors. Consequently, you should not consider such disclosures to be a complete discussion of all potential risks or uncertainties. <br ></div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">2</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bWYCFMI">&#8203;</a><a name="bIBR">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">WHERE YOU CAN FIND MORE INFORMATION </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">This prospectus is part of a registration statement on Form S-3 that we filed with the SEC registering the securities that may be offered hereunder. As permitted by SEC rules, this prospectus does not contain all of the information we have included in the registration statement. A copy of the registration statement can be obtained at the address set forth below. You should read the registration statement for more information about our securities and us. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We are subject to the reporting requirements of the Exchange Act and file annual, quarterly and current reports, proxy statements and other information with the SEC. You may read and copy any document that we file with the SEC at the SEC&#8217;s public reference room at 100 F Street, N.E., Washington, D.C. 20549. You can request copies of these documents, upon payment of a duplicating fee, by writing to the SEC. Please call the SEC at 1-800-SEC-0330 for further information on the public reference room. The SEC also maintains a website that contains reports, proxy and information statements and other information regarding issuers, like us, who file electronically with the SEC. The address of the SEC&#8217;s website is <font style="font-style:italic;">www.sec.gov</font>. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our website address is <font style="font-style:italic;">www.bankatfirst.com</font>. We make available, free of charge, on or through our website, our annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K that are filed with or furnished to the SEC, and amendments to those reports, as soon as reasonably practicable after we electronically file such reports with, or furnish them to, the SEC. The contents of our website are not part of this prospectus, and the reference to our website does not constitute incorporation by reference in this prospectus of the information contained at that website. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">INCORPORATION BY REFERENCE </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The SEC allows us to &#8220;incorporate by reference&#8221; information in this prospectus. This means that we can disclose important information to you by referring you to another document filed separately with the SEC. The following documents that we have filed with the SEC are incorporated by reference in, and considered a part of, this prospectus: </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.18pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.18pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">our Annual Report on Form 10-K for the year ended December&#160;31, 2016; </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.18pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.18pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">our Quarterly Report on Form 10-Q for the quarter ended March&#160;31, 2017; </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">our Current Reports on Form 8-K filed with the SEC on January&#160;3, 2017, January&#160;20, 2017, February&#160;6, 2017, March&#160;3, 2017, March&#160;9, 2017, March&#160;30, 2017, April&#160;20, 2017, May&#160;9, 2017, May&#160;24, 2017, July&#160;25, 2017, and July 27, 2017; and </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.38pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.38pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the description of our common shares, without par value, contained in our Registration Statement on Form S-3 (File No. 333-197771) filed with the SEC on July&#160;31, 2014, or contained in any subsequent amendment or report filed for the purpose of updating such description. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We are also incorporating by reference in this prospectus all documents (other than current reports furnished under Item 2.02 or Item 7.01 of Form 8-K and exhibits filed on such form that are related to such items) that we file with the SEC pursuant to Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act after the date of this prospectus and prior to the termination or completion of any offering of securities under this prospectus and all applicable prospectus supplements. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will provide to each person to whom this prospectus is delivered, upon written or oral request and without charge, any of the above documents that are incorporated by reference in this prospectus (including any exhibits that are specifically incorporated by reference in such documents). Requests should be directed to: </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;">First Financial Bancorp. <br >255 East Fifth Street <br >Suite 2900 <br >Cincinnati, Ohio 45202 <br >Telephone: (877) 322-9530 <br >Attention: Investor Relations </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">3</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bFFB">&#8203;</a><a name="bRF">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">Any statement contained in this prospectus or in a document incorporated by reference in this prospectus will be deemed to be modified or superseded for purposes of this prospectus to the extent that a statement contained in the applicable prospectus supplement or any other subsequently filed document that is deemed to be incorporated by reference in this prospectus modifies or supersedes such statement. Any statement so modified or superseded will not be deemed, except as so modified or superseded, to constitute a part of this prospectus. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">FIRST FINANCIAL BANCORP. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We are an approximately $8.7 billion bank holding company headquartered in Cincinnati, Ohio. As of June&#160;30, 2017, First Financial, through its subsidiaries, operates primarily in Ohio, Indiana and Kentucky. These subsidiaries include a commercial bank, First Financial Bank (&#8220;First Financial Bank&#8221; or the &#8220;Bank&#8221;), with 102 banking centers and 124 ATMs as of June&#160;30, 2017. We provide banking and financial services products to business and retail clients through four lines of business: commercial and private banking, retail banking, investment commercial real estate and commercial finance. Commercial finance provides equipment and leasehold improvement financing for franchisees in the quick service and casual dining restaurant sector and commission-based financing, primarily to insurance agents and brokers, throughout the United States. Commercial and private banking includes wealth management, which provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had $2.6 billion in assets under management as of June&#160;30, 2017. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our principal executive offices are located at 255 East Fifth Street, Suite 700, Cincinnati, Ohio 45202, and our telephone number is (877) 322-9530. We maintain a website at <font style="font-style:italic;">www.bankatfirst.com</font> where general information about us is available. The information on our website is not a part of, and is not incorporated into, this prospectus or any applicable prospectus supplement. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">RISK FACTORS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Investing in our securities involves a high degree of risk. Before you decide to invest in our securities, you should carefully consider and evaluate all of the information included and incorporated by reference in this prospectus, including the risk factors incorporated herein by reference from our most recent Annual Report on Form 10-K, as updated by our subsequent Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and other filings with the SEC, as well as the risk factors set forth under the &#8220;<font style="font-weight:bold;">Risk Factors</font>&#8221; heading in any applicable prospectus supplement. In addition to those risk factors, there may be additional risks and uncertainties of which management is not aware or focused on or that management deems immaterial. It is possible that our business, financial condition, liquidity or results of operations could be materially adversely affected by any of these risks. In addition, see &#8220;<font style="font-weight:bold;">Forward-Looking Statements</font>&#8221; above for a description of certain risks and uncertainties associated with our business. The market or trading price of our securities could decline due to any of these risks and uncertainties, and you may lose all or a part of your investment. <br ></div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">4</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bROETFC">&#8203;</a><a name="bUOP">&#8203;</a></div>
      <div style="margin-top:46pt;height:660pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">RATIO OF EARNINGS TO FIXED CHARGES </div>
        <div style="margin-left:20pt; margin-top:6pt; width:436pt; line-height:12pt;">Our consolidated ratio of earnings to fixed charges for each of the periods indicated is as follows: </div>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">Three Months Ended <br >March&#160;31, </div>
            </td>
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            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:0pt;" colspan="28">
              <div style="white-space:nowrap; text-align:center;">Year Ended December&#160;31, </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:200.71pt;text-align:left;">&#8203;</td>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">2017 </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">2016 </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">2016 </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">2015 </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">2014 </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">2013 </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">2012 </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:200.71pt;">Ratio of earnings to fixed charges</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:200.71pt;text-align:left;">
              <div style="white-space:nowrap;">Excluding interest on deposits </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">5.34</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">11.96</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">13.26</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">30.32</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">31.84</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">19.56</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">36.00</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:right;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:200.71pt;text-align:left;">
              <div style="white-space:nowrap;">Including interest on deposits </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">2.30</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">4.60</td>
            <td style="padding:0pt;padding-left:4.335pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">4.93</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">5.77</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">5.94</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">5.00</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">4.76</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:16.99pt; width:456pt; line-height:12pt;">For the purpose of computing the ratios of earnings to fixed charges, earnings consist of consolidated income before income tax expense and fixed charges. Fixed charges exclude interest on uncertain tax positions which is classified with income tax expense in the consolidated financial statements. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">USE OF PROCEEDS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We intend to use the net proceeds from the sales of the securities that may be offered under this prospectus as set forth in the applicable prospectus supplement.</div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">5</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bDODS">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">DESCRIPTION OF DEBT SECURITIES </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">For purposes of this section, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer only to First Financial and not its subsidiaries. The following description of the debt securities sets forth certain general terms that may apply to the debt securities that we may offer under this prospectus. The debt securities may be issued as senior debt securities or subordinated debt securities. Unless otherwise specified in the applicable prospectus supplement, we may issue senior debt securities under a senior indenture (the &#8220;senior indenture&#8221;), which we will enter into with a trustee to be named in the senior indenture. Prior to issuing any debt securities under such senior indenture, we will select the trustee for the senior indenture (the &#8220;senior indenture trustee&#8221;) relating to the issuance of senior debt securities, qualify the senior indenture trustee under the Trust Indenture Act and execute such senior indenture. We also may issue subordinated debt securities in one or more series under the Subordinated Indenture, dated April&#160;25, 2015 (the &#8220;subordinated indenture&#8221;), between First Financial and Wells Fargo Bank, National Association (&#8220;Wells Fargo&#8221;), and the related supplemental indenture for such subordinated debt securities. Each of the senior indenture trustee and Wells Fargo is referred to as the &#8220;indenture trustee,&#8221; unless otherwise specified. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The senior indenture and subordinated indenture are sometimes collectively referred to as the &#8220;indentures&#8221; and individually referred to as an &#8220;indenture,&#8221; and the senior debt securities and the subordinated debt securities are sometimes referred to as the &#8220;debt securities.&#8221; The indentures are subject to and governed by the Trust Indenture Act of 1939, as amended (the &#8220;Trust Indenture Act&#8221;). The form of senior indenture and the subordinated indenture are incorporated by reference in the registration statement of which this prospectus is a part. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The following summary of the terms of the indentures is subject to, and qualified in its entirety by reference to, the indentures, which contain the full legal text of the matters described in this section, and the description of the specific terms of the debt securities in the applicable prospectus supplement. The following summary is not complete. You should read all of the provisions of the indentures, including the definitions of certain terms. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Since we are a holding company, our right, and accordingly, the right of our creditors and shareholders, including the holders of the securities offered by this prospectus and any prospectus supplement, to participate in any distribution of assets of any of our subsidiaries upon its liquidation, reorganization or similar proceeding is subject to the prior claims of creditors of that subsidiary, except to the extent that our claims as a creditor of the subsidiary may be recognized. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Terms of the Securities </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The debt securities will not be secured by any of our assets. All of the debt securities issued under each of the indentures will rank equally and ratably with any additional debt securities issued under the same indenture. The subordinated debt securities will be subordinated as described below under the heading &#8220;<font style="font-weight:bold;">Subordination</font>.&#8221; </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The indentures give us broad authority to set the particular terms of each series of debt securities, including the right to modify certain of the terms contained in the applicable indenture. We will describe the specific terms of a series of debt securities and the extent, if any, to which the specific terms of the debt securities modify the terms of the applicable indenture in the prospectus supplement relating to the debt securities. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Neither the indentures nor the debt securities limit or otherwise restrict the amounts of other indebtedness that we may incur, or the amount of other securities that we may issue. The indentures do not limit the principal amount of any particular series of debt securities. Each prospectus supplement will specify the particular terms of the debt securities being offered, including the following, as may be applicable:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the title of the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.38pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.38pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the principal amount being offered and, if a series, the total amount authorized and the total amount outstanding;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.39pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.39pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any limit on the aggregate principal amount of the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">6</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the priority of payments on the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the issue price or prices (which may be expressed as a percentage of the aggregate principal amount) of the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the date or dates, or the method of determining the dates, on which the debt securities will mature;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the interest rate or rates of the debt securities, or the method of determining those rates;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the interest payment dates, the dates on which payment of any interest will begin and the regular record dates;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">if other than the entire principal amount, the portion of the principal amount of the debt securities that will be payable if the maturity date of the debt securities is accelerated;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any event of default applicable to the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any covenants included for the benefit of the holders of the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">provisions, if any, restricting the declaration of dividends or requiring the maintenance of any asset ratio or the creation or maintenance of reserves;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">provisions relating to modification of the terms of the debt securities or the rights of holders of the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">provisions, if any, restricting the incurrence of additional debt or the issuance of additional securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">restrictions, if any, on transfer, sale or other assignment of the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">whether the debt securities will be issuable in temporary or permanent global form and, if so, the identity of the depositary for such global security, or the manner in which any interest payable on a temporary or permanent global security will be paid;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any terms relating to the conversion of the debt securities into our common shares or preferred shares, including, without limitation, the time and place at which such debt securities may be converted, the conversion price and any adjustments to the conversion price and any other provisions that may be applicable;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any sinking fund or similar provisions applicable to the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any mandatory or optional redemption, repurchase or repayment provisions applicable to the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the denomination or denominations in which the debt securities are authorized to be issued;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">with respect to the senior indenture, whether any of the debt securities will be issued in bearer form and, if so, any limitations on issuance of such bearer securities (including exchanges for registered securities of the same series);</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">information describing any book-entry features of the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">whether any of the debt securities will be issued as &#8220;original issue discount&#8221; securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the place of payment on the debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">each office or agency where the debt securities may be presented for registration of transfer, exchange or conversion;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the method of determining the amount of any payments on the securities which are linked to an index or determined by a formula;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">if other than United States dollars, the currency or currencies in which payments on the debt securities will be payable, and whether the holder may elect payment to be made in a different currency;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">with respect to the senior indenture, the identity of the senior indenture trustee;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">7</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the nature of any material relationship between us or our affiliates and the trustee named in the indenture, the percentage of debt securities of a series necessary to require such trustee to take action, and what indemnification such trustee may require before proceeding to take action;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the identity of any registrar and/or paying agent;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any defeasance of certain obligations by us pertaining to the series of debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">a discussion of any material United States federal income tax considerations applicable to the debt securities; and</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any other terms, preferences, rights or limitations of, or restrictions on, the debt securities, including any terms that may be required by us or advisable under applicable laws or regulations or in connection with the marketing of the debt securities. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Some of our debt securities may be issued as &#8220;original issue discount&#8221; securities. Original issue discount securities bear no interest or bear interest at below-market rates and will be sold at a discount below their stated principal amount. The prospectus supplement will also contain any special tax, accounting or other information relating to original issue discount securities or relating to certain other kinds of securities that may be offered, including securities linked to an index. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Acceleration of Maturity </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">If an event of default with respect to any outstanding series of debt securities occurs and is continuing, the indenture trustee or the holders of at least 25% in principal amount of the outstanding debt securities of that series may declare the principal amount due and payable immediately by providing written notice of such acceleration to us, and, if notice is given by the holders instead of the indenture trustee, to the indenture trustee. Under the subordinated indenture, all outstanding subordinated debt securities will become immediately due and payable, only upon the following events of default:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">a decree or order is entered against us in an involuntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official is appointed for us, certain of our subsidiary banks, or a substantial part of our property, or a receiver or similar official is appointed by a court or a bank regulatory authority, or a court or administrative order is entered for the winding-up or liquidation of our affairs or those of certain of our subsidiary banks, and such decree or order remains unstayed and in effect for 60 consecutive days; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">We (a) commence a voluntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or consent to the entry of an order for relief in an involuntary case under any such law, (b) consent to the appointment of or taking possession by a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official of us, certain of our subsidiary banks or for any substantial part of our property, (c) make any general assignment for the benefit of creditors, (d) fail generally to pay our debts as they become due or (e) take any corporate action in furtherance of any of the foregoing. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Subject to certain conditions, the declaration of acceleration may be rescinded, and past defaults (except uncured payment defaults and certain other specified defaults) may be waived, by the holders of not less than a majority of the principal amount of debt securities of that series. You should refer to the prospectus supplement relating to each series of debt securities for the particular provisions relating to acceleration of maturity upon the occurrence and continuation of an event of default. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Registration and Transfer </div>
        <div style="margin-left:20pt; margin-top:6pt; width:436pt; line-height:12pt;">We will issue the subordinated debt securities in registered form only, without coupons. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Each series of senior debt securities will also be issued in registered form only, without coupons, unless otherwise indicated in the applicable prospectus supplement. The senior indenture allows us to issue the securities in bearer form, or in both registered and bearer form. Any securities issued in bearer form will </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">8</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">have interest coupons attached, unless they are issued as zero coupon securities. Securities in bearer form will not be offered, sold, resold or delivered in connection with their original issuance in the United States or to any United States person other than to offices of certain United States financial institutions located outside the United States. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Unless otherwise indicated in the applicable prospectus supplement, the debt securities we are offering will be issued in denominations of&#8201; $1,000 or an integral multiple of&#8201; $1,000. No service charge will be made for any transfer or exchange of the debt securities, but we may require payment of an amount sufficient to cover any tax or other governmental charge payable in connection with a transfer or exchange. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Payment and Paying Agent </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will pay principal, interest and any premium on fully registered debt securities in the designated currency or currency unit at the office of a designated paying agent. At our option, payment of interest on fully registered debt securities may also be made by check mailed to the persons in whose names the debt securities are registered on the days specified in the indentures or any prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">With respect to senior debt securities issued in bearer form, we will pay principal, interest and any premium on such bearer senior debt securities in the designated currency or currency unit at the office of a designated paying agent or agents outside of the United States. Payments will be made at the offices of the paying agent in the United States only if the designated currency is United States dollars and payment outside of the United States is illegal or effectively precluded. If any amount payable on a debt security or coupon remains unclaimed at the end of two years after such amount became due and payable, the paying agent will release any unclaimed amounts, and the holder of the debt security or coupon will look only to us for payment. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Global Securities </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The debt securities of a series may be issued in whole or in part in the form of one or more global certificates (&#8220;Global Securities&#8221;) that will be deposited with a depositary to be identified in the applicable prospectus supplement. Global Securities may be issued in either temporary or permanent form. Global Securities representing subordinated debt securities must be issued in registered form only, whereas Global Securities representing senior debt securities may be issued in registered or bearer form. Global Securities in bearer form will be deposited with a depositary outside the United States. Unless and until it is exchanged in whole or in part for individual certificates evidencing senior debt securities in definitive form represented thereby, a bearer Global Security may not be transferred except as a whole by the depositary to a nominee of that depositary or by a nominee of that depositary to a depositary or another nominee of that depositary. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The specific terms of the depositary arrangements for each series of debt securities will be described in the applicable prospectus supplement. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Modification and Waiver </div>
        <div style="margin-left:20pt; margin-top:12pt; width:436pt; line-height:11pt;font-style:italic;">Modification with Consent of the Holders </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Each indenture provides that modifications and amendments may be made by us and the indenture trustee with the consent of the holders of a majority in principal amount of the outstanding debt securities of each series affected by the amendment or modification. However, no modification or amendment may, without the consent of each holder affected:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">change the stated maturity date of the debt security;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">reduce the principal amount, any rate of interest, or any additional amounts in respect of any debt security;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">with respect to senior debt securities, reduce the amount of any premium payable upon the redemption of any senior debt security;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">9</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">change the time or place of payment, currency or currencies in which any debt security or any premium or interest thereon is payable;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">impair the holders&#8217; rights to institute suit for the enforcement of any payment on or after the maturity or stated maturity date, as applicable, of any debt security or, in the case of redemption or repayment, as applicable, on or after the redemption date or repayment date;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">reduce the percentage in principal amount of the outstanding debt securities required to consent to any modification, amendment or waiver under the indenture;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.39pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.39pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">modify, except under limited circumstances, any provision of the applicable indenture relating to modification and amendment of the indenture, waiver of compliance with conditions and defaults thereunder or the right of a majority of holders to take action under the applicable indenture;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">adversely affect any rights of conversion;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">in the case of the subordinated indenture, alter the provisions regarding subordination of the subordinated debt securities, in any way that would be adverse to the holders of those securities; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.59pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.59pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">reduce the principal amount of original issue discount debt securities which could be declared due and payable upon an acceleration of their maturity. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In addition to the above, no modification or amendment to the subordinated indenture or the rights of holders of subordinated debt securities may, without the consent of each holder of such subordinated debt securities affected:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">change the maturity date of the principal of the subordinated debt security;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">change the computation of the principal amount of the subordinated debt security on any date;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.59pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.59pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">modify, except under limited circumstances, the right of a holder of subordinated debt securities to receive payments of the principal, premium, interest or any additional amounts due with respect to such subordinated debt securities on the maturity or stated maturity date (or the redemption date, in the case of redemption) and to institute suit for the enforcement of any payment thereof;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">modify any provisions of the subordinated indenture with respect to the subordination of any security in a manner adverse to the capital treatment of the subordinated debt securities, except to clarify ambiguities or to meet certain regulatory requirements; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">modify or affect in any manner adverse to the holders of subordinated debt securities the terms and conditions of our obligation to punctually pay the principal of or premium or interest on the subordinated debt securities when due. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:12pt; width:436pt; line-height:11pt;font-style:italic;">Waiver of Compliance or Default </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The holders of a majority in principal amount of the outstanding debt securities of any series may waive compliance by us and the indenture trustee with certain provisions of the indentures. The holders of a majority in principal amount of the outstanding debt securities of any series may waive any past default under the applicable indenture with respect to that series, except a default in the payment of the principal, or any premium, interest, or additional amounts payable on a debt security of that series or in respect of a covenant or provision which under the terms of the applicable indenture cannot be modified or amended, without the consent of each affected holder. </div>
        <div style="margin-left:20pt; margin-top:12pt; width:436pt; line-height:11pt;font-style:italic;">Modification of Senior Debt Securities without Consent </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">With the senior indenture trustee, we may modify and amend any senior indenture without the consent of any holder of senior debt securities for any of the following purposes:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.59pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.59pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to name a successor entity to us;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to add to our covenants for the benefit of the holders of all or any series of senior debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">10</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to add to the events of default;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to add to, delete from or revise the conditions, limitations and restrictions on the authorized amount, terms or purposes of issue, authentication and delivery of senior debt securities, as set forth in the applicable indenture;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to establish the form or terms of senior debt securities of any series and any related coupons;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to provide for the acceptance of appointment by a successor senior indenture trustee;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to make provision for the conversion rights of the holders of the senior debt securities in certain events;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to cure any ambiguity, defect or inconsistency in the applicable indenture, provided that such action is not inconsistent with the provisions of that indenture and does not adversely affect the interests of the applicable holders; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to modify, eliminate or add to the provisions of any indenture to conform our or the senior indenture trustee&#8217;s obligations under the applicable indenture to the Trust Indenture Act. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:12pt; width:436pt; line-height:11pt;font-style:italic;">Modification of Subordinated Debt Securities without Consent </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Together with Wells Fargo, we may modify and amend any subordinated indenture without the consent of any holder of subordinated debt securities for any of the following purposes:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to name a successor entity to us;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to provide for the acceptance of an additional successor trustee with respect to one or more series of subordinated debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to add to our covenants and agreements for the benefit of the holders of all or any series of subordinated debt securities or to surrender any right or power conferred on us by the subordinated indenture, provided that such action shall not adversely affect the interests of the holders of outstanding subordinated securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to add or eliminate the events of default;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to cure any ambiguity, defect or inconsistency in the subordinated indenture, or make any other provisions with respect to matters or questions arising under the subordinated indenture, provided such other provisions do not adversely affect the interests of the holders of outstanding subordinated debt securities in any material respect;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to secure the subordinated debt securities or add obligors;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to establish any form or terms, or to provide for the issuance, of any series of subordinated debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to provide for the issuance of subordinated debt securities in uncertificated form to replace certificated subordinated debt securities of any series;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to qualify or maintain qualification of the subordinated indenture under the Trust Indenture Act; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to comply with the rules and regulations of any securities exchange or automated quotation system on which any of the subordinated debt securities may be listed or traded. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Calculation of Outstanding Debt Securities </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">To calculate whether the holders of a sufficient principal amount of the outstanding securities have given any request, demand, authorization, direction, notice, consent or waiver under any indenture:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">in the case of original issue discount securities, the principal amount that may be included in the calculation is the amount of principal that would be declared to be due and payable upon a declaration of acceleration according to the terms of that original issue discount security as of the date of the calculation; and</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">11</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any debt securities owned by us, or owned by any other obligor of the debt securities or any affiliate of ours or of any other obligor, should be disregarded and deemed not to be outstanding for purposes of the calculation. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Additional Provisions </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Other than the duty to act with the required standard of care during an event of default, the indenture trustee is not obligated to exercise any of its rights or powers under the applicable indenture at the request or direction of any of the holders of the debt securities, unless the holders have offered the indenture trustee reasonable indemnification. Each indenture provides that the holders of a majority in principal amount of outstanding debt securities of any series may, in certain circumstances, direct the time, method and place of conducting any proceeding for any remedy available to the indenture trustee, or exercising any trust or other power conferred on the indenture trustee. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">No holder of a debt security of any series will have the right to institute any proceeding for any remedy under the applicable indenture, unless:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.39pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.39pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the holder has provided the indenture trustee with written notice of a continuing event of default regarding the holder&#8217;s series of debt securities;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.38pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.38pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the holders of at least 25% in principal amount of the outstanding debt securities of a series have made a written request to the indenture trustee, and offered indemnity or security, as applicable, satisfactory to the indenture trustee, to institute a proceeding for remedy;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.39pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.39pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the indenture trustee has failed to institute the proceeding within 60 days after its receipt of such notice, request and offer of indemnity or security, as applicable; and</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.39pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.39pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the indenture trustee has not received any direction during such 60-day period inconsistent with such request from the holders of a majority in principal amount of the outstanding debt securities of that series. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">However, the holder of any debt security will have an absolute and unconditional right to receive payment of the principal, any premium, any interest or any additional amounts in respect of such debt security on or after the date expressed in such debt security and to institute suit for the enforcement of any such payment. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We are required to file annually with the indenture trustee a certificate of no default, or specifying any default that exists. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Conversion Rights for Senior Debt Securities </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will set forth in the applicable prospectus supplement the terms on which senior debt securities of any series may be convertible. The subordinated indenture does not provide for conversion of the subordinated debt securities. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Events of Default </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The following will be events of default under the senior indenture with respect to the senior debt securities of a series:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.58pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.58pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to pay any interest or any additional amounts on any senior debt security of that series when due, and continuance of such default for 30 days;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.59pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.59pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to pay principal of, or any premium on, any senior debt security of that series when due;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.58pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.58pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to deposit any sinking fund payment for a senior debt security of that series when due;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.59pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:8.59pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to perform any of our other covenants or warranties in the senior indenture or senior debt securities (other than a covenant or warranty included in that indenture solely for the benefit of a different series of senior debt securities), which has continued for 90 days after written notice as provided in the senior indenture;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">12</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">acceleration of indebtedness in a principal amount in excess of&#8201; $25,000,000 for money borrowed by us, and the acceleration is not annulled, or the indebtedness is not discharged, within a specified period after written notice is given according to the senior indenture;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">certain events in bankruptcy, insolvency or reorganization of us or the Bank; and</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any other event of default regarding that series of senior debt securities. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The following will be events of default under the subordinated indenture with respect to the subordinated debt securities of a series unless such event is inapplicable to a particular series or is deleted or modified with respect to such series in the applicable resolution of our Board of Directors or supplemental indenture under which such series is issued:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to pay any interest on or any additional amounts payable with respect of any subordinated debt security of that series when due, and continuance of such default for 30 days;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to pay the principal of, or any premium on, any subordinated debt security of that series when due upon maturity or upon redemption, and continuance of such default for 30 days;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to deposit any sinking fund payment for a subordinated debt security of that series when due;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">failure to perform or breach of our covenants or warranties in the subordinated indenture or the subordinated debt securities (except with respect to those covenants and warranties specifically addressed in the subordinated indenture or expressly included solely for the benefit of a series of subordinated debt securities other than such series) and continuance of such failure or breach for 90 days after notice to us of such failure or breach by Wells Fargo or the holders of at least 25% in principal amount of the outstanding debt securities of that series;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">certain events in bankruptcy, insolvency or reorganization of us or the Bank; and</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any other event of default regarding that series of subordinated debt securities. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In the event of a default in the payment of interest or principal, the holders of senior indebtedness will be entitled to be paid in full before any payment can be made to holders of subordinated debt securities. However, a holder of a subordinated debt security (or Wells Fargo or any identified trustee under the applicable subordinated indenture on behalf of all of the holders of the affected series) may, subject to certain limitations and conditions, seek to enforce overdue payments of interest or principal on the subordinated debt securities. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Subordination </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The senior debt securities will be unsecured and will rank equally among themselves and with all of our unsubordinated debt or other unsecured debt, if any. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The subordinated debt securities will be unsecured and will be subordinate and junior in right of payment, to the extent and in the manner set forth below, to the prior payment in full of all of the Company&#8217;s senior indebtedness, as more fully described in the applicable prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">If any of the following circumstances has occurred, payment in full of all principal, premium, if any, and interest must be made or provided for with respect to all outstanding senior indebtedness before we can make any payment or distribution of principal, premium, if any, or interest on the subordinated debt securities:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any insolvency, bankruptcy, receivership, liquidation, reorganization or other similar proceeding relating to us or to our property has been commenced;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any voluntary liquidation, dissolution or other winding up relating to us has been commenced, whether or not such event involves our insolvency or bankruptcy;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">13</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bDOCS">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any of our subordinated debt securities of any series is declared or otherwise becomes due and payable before its maturity date upon the occurrence of a specified event of default in the subordinated indenture, provided that such declaration has not been rescinded or annulled as provided in the subordinated indenture; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.81pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:3.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any default with respect to senior indebtedness which permits its holders to accelerate the maturity of the senior indebtedness has occurred and is continuing, and either (a) notice of such default has been given to us and to the indenture trustee and judicial proceedings are commenced in respect of such default within 180 days after notice in the case of a default in the payment of principal or interest, or within 90 days after notice in the case of any other default, or (b) any judicial proceeding is pending with respect to any such default. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">DESCRIPTION OF CAPITAL STOCK </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">For purposes of this section, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer only to First Financial and not its subsidiaries. The following summary describes the material features of our capital stock. This summary is subject to, and qualified in its entirety by reference to, our Amended and Restated Articles of Incorporation, as amended (&#8220;Articles&#8221;), and our Amended and Restated Regulations, as amended (&#8220;Regulations&#8221;), each of which is filed as an exhibit to the registration statement of which this prospectus is a part. You should refer to, and read this summary together with, our Articles and Regulations to review all of the terms of our capital stock. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Authorized Capital Stock </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our authorized capital stock consists of 160,000,000 common shares, without par value (&#8220;common shares&#8221;) and 10,000,000 preferred shares, with or without par value as determined by the Board (&#8220;preferred shares&#8221;). As of July&#160;24, 2017, 68,730,731 of our common shares were issued, 62,142,112 of our common shares were outstanding, 6,588,619 of our common shares were held by us in treasury, and none of our preferred shares were issued or outstanding. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Common Shares </div>
        <div style="margin-left:20pt; margin-top:6pt; width:436pt; line-height:12pt;">Holders of our common shares are entitled to:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.82pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:3.82pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">cast one vote for each common share held of record on all matters submitted to a vote of shareholders;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.81pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:3.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">receive dividends when, as and if declared by our board of directors from funds legally available therefor, subject to the rights of holders of preferred shares, if any; and</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.61pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:3.61pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">share ratably in our net assets legally available to our shareholders in the event of our liquidation, dissolution or winding up, after provision for the distribution of any preferential amounts to the holders of preferred shares, if any. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Holders of our common shares have no preemptive, subscription, preference, redemption, conversion, exchange or cumulative voting rights. The rights, preferences and privileges of the holders of our common shares are subject to, and may be adversely affected by, the rights, preferences and privileges of holders of any preferred shares that we may designate and issue in the future. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Subject to compliance with applicable federal and state securities laws, our common shares may be transferred without any restrictions or limitations. The transfer agent and registrar for our common shares is Registrar and Transfer Company. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our common shares are listed on the NASDAQ Global Select Market under the symbol &#8220;FFBC&#8221;. Our outstanding common shares are, and any common shares that we issue under this prospectus and any applicable prospectus supplement will be, when issued, fully paid and nonassessable. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Preferred Shares </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our Articles authorize the Board to issue, without any further vote or action by our shareholders, subject to certain limitations prescribed by law and the rules and regulations of any stock exchange on which our securities may be listed, up to an aggregate of 10,000,000 preferred shares in one or more series. </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">14</div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Subject to the limitations described in the next paragraph, the Board is also authorized to determine and fix the powers, designations, preferences and relative, participating, optional, conversion and other special rights of each series of preferred shares issued from time to time, and the qualifications, limitations and restrictions thereof, including the designation and authorized number of each series, dividend rights, voting rights, conversion rights, redemption and exchange rights, sinking fund requirements and liquidation rights. The Board may increase or decrease the number of shares of any series of preferred shares before or after the issue of that series, but not below the number of shares of such series then outstanding. If the number of preferred shares of any series is so decreased, the shares constituting such decrease will resume the status of authorized but unissued shares. Under Ohio law, the authority of a board to establish the par value of preferred shares is not settled even if such authority is provided in the corporation&#8217;s articles. Consequently, our preferred shares will be issued without par value unless the Board determines to issue preferred shares with par value after having been advised by counsel that it has the authority to do so. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The Articles provide that the voting rights of each preferred share are limited to no more than one vote per share when voting as a class with the common shares, and the preferred shares will not vote as a separate class or series except as required by Ohio law. The Board has represented that it will not issue, without prior shareholder approval, any series of preferred shares for any defensive or anti-takeover purpose, for the purpose of implementing a shareholder rights plan, or with features specifically intended to make any attempted acquisition of the Company more difficult or costly. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The Board will fix the powers, designations, preferences and relative, participating, optional, conversion and other special rights of each series of preferred shares that we offer under this prospectus and any applicable prospectus supplement, and the qualifications, limitations and restrictions of such series, in a certificate of amendment to our Articles relating to that series. We will file as an exhibit to the registration statement of which this prospectus is a part, or incorporate by reference therein from another report that we file with the SEC, the form of any certificate of amendment to our Articles that describes the terms of the series of preferred shares that we are offering before the issuance of the related series of preferred shares. We will also describe in the applicable prospectus supplement the terms of the series of preferred shares being offered. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The Board may authorize the issuance of preferred shares with voting, conversion or other rights that could adversely affect the voting power or other rights of the holders of our common shares. The issuance of preferred shares could have the effect of decreasing the market price of our common shares, restricting our ability to repurchase outstanding common shares, decreasing the amount of earnings and assets available for distribution to holders of our common shares and creating restrictions upon the payment and amount of dividends and other distributions to holders of our common shares. The issuance of preferred shares also could have the effect of delaying, deterring or preventing a change in control of us without further action by our shareholders. When we issue preferred shares under this prospectus and the applicable prospectus supplement, such preferred shares will be fully paid and nonassessable. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">As described below under &#8220;<font style="font-weight:bold;">Description of Depositary Shares</font>,&#8221; we may, at our option, with respect to any series of preferred shares, elect to offer fractional interests in preferred shares, and provide for the issuance of depositary receipts representing depositary shares, each of which will represent a fractional interest of a share of a particular series of preferred shares. The fractional interest will be specified in the prospectus supplement relating to a particular series of preferred shares. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The transfer agent for any series of preferred shares that we may offer under this prospectus will be named and described in the prospectus supplement for that series. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Anti-Takeover Effects of Certain Provisions of our Articles of Incorporation and Ohio Law </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Our Articles contain certain provisions that make it more difficult to acquire control of us by means of a tender offer, open market purchase, a proxy fight or otherwise. These provisions are designed to encourage persons seeking to acquire control of us to negotiate with our Board. We believe that, as a general rule, the interests of our shareholders would be best served if any change in control results from negotiations with our Board. The following provisions of our Articles and Ohio law might have the effect of delaying, deterring or preventing a change in control of us and would operate only with respect to an extraordinary corporate transaction, such as a merger, reorganization, tender offer, sale or transfer of assets or liquidation involving the Company and certain persons described below. </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">15</div>
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The Ohio General Corporation Law provides that the approval of two-thirds of the voting power of a corporation is required to effect mergers and similar transactions, to adopt amendments to the articles of incorporation of a corporation and to take certain other significant actions. Although under Ohio law the articles of incorporation of a corporation may permit such actions to be taken by a vote that is less than two-thirds (but not less than a majority), our Articles do not contain such a provision. The two-thirds voting requirement tends to make approval of such matters, including further amendments to the Articles, relatively difficult, and a vote of the holders of in excess of one-third of our outstanding common shares would be sufficient to prevent implementation of any of the corporate actions mentioned above. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Ohio Revised Code Section 1701.831 is a &#8220;control share acquisition&#8221; statute. The control share acquisition statute basically provides that any person acquiring shares of an &#8220;issuing public corporation&#8221; (which definition we meet) in any of the following three ownership ranges must seek and obtain shareholder approval of the acquisition transaction that first puts such ownership within each such range: (i) more than 20% but less than 33<font style=" position:relative; bottom:2.66pt;font-size:7pt;">1</font>&#8725;<font style="font-size:7pt;">3</font>%; (ii) 33<font style=" position:relative; bottom:2.66pt;font-size:7pt;">1</font>&#8725;<font style="font-size:7pt;">3</font>% but not more than 50%; and (iii) more than 50%. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The purpose of the control share acquisition statute is to give shareholders of Ohio corporations a reasonable opportunity to express their views on a proposed shift in control, thereby reducing the coercion inherent in an unfriendly takeover. The provisions of the control share acquisition statute grant to our shareholders the assurance that they will have adequate time to evaluate the proposal of the acquiring person, that they will be permitted to vote on the issue of authorizing the acquiring person&#8217;s purchase in the same manner and with the same proxy information that would be available to them if a proposed merger of the Company were before them and, most importantly, that the interests of all shareholders will be taken into account in connection with such vote and the probability will be increased that they will be treated equally regarding the price to be offered for their common shares if the purchase is approved. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The control share acquisition statute applies not only to traditional offers but also to open market purchases, privately negotiated transactions and original issuances by an Ohio corporation, whether friendly or unfriendly. The procedural requirements of the control share acquisition statute could render approval of any control share acquisition difficult because it must be authorized at a special meeting of shareholders, at which a quorum is present, by the affirmative vote of the majority of the voting power represented and by a majority of the portion of such voting power, excluding interested shares. Any corporate defense against persons seeking to acquire control may have the effect of discouraging or preventing offers which some shareholders might find financially attractive. On the other hand, the need on the part of the acquiring person to convince our shareholders of the value and validity of the offer may cause such offer to be more financially attractive in order to gain shareholder approval. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Ohio Revised Code Chapter 1704 is a &#8220;merger moratorium&#8221; statute. The merger moratorium statute provides that, unless a corporation&#8217;s articles of incorporation or regulations otherwise provide, an &#8220;issuing public corporation&#8221; (which definition we meet) may not engage in a &#8220;Chapter 1704 transaction&#8221; for three years following the date on which a person acquires more than 10% of the voting power in the election of directors of the issuing corporation, unless the Chapter 1704 transaction is approved by the corporation&#8217;s board of directors prior to such transaction. A person who acquires such voting power is an &#8220;interested shareholder,&#8221; and &#8220;Chapter 1704 transactions&#8221; involve a broad range of transactions, including mergers, consolidations, combinations, liquidations, recapitalizations and other transactions between an issuing public corporation and an interested shareholder if such transactions involve 5% of the assets or shares of the issuing public corporation or 10% of its earning power. After the initial three year moratorium, Chapter 1704 prohibits such transactions absent approval by disinterested shareholders or the transaction meeting certain statutorily defined fair price provisions. One significant effect of Chapter 1704 is to encourage a person to negotiate with a corporation&#8217;s board of directors prior to becoming an interested shareholder. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Ohio also has enacted Ohio Revised Code Section 1707.043, which provides that a person who announces a control bid must disgorge profits realized by that person upon the sale of any equity securities within 18 months of the announcement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In addition, Section 1701.59 of the Ohio Revised Code provides that, in determining what a director reasonably believes to be in the best interests of the corporation, such director may consider, in addition to the interests of the corporation&#8217;s shareholders, any of the interests of the corporation&#8217;s employees, suppliers, </div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">16</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bDODS2">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">creditors and customers, the economy of the State of Ohio and the United States, community and societal considerations and the long-term as well as the short-term interests in the corporation and its shareholders, including the possibility that these interests may be best served by the continued independence of the corporation. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The overall effect of these statutes may be to render more difficult or discourage the removal of incumbent management or the assumption of effective control by other persons. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">DESCRIPTION OF DEPOSITARY SHARES </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">For purposes of this section, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer only to First Financial and not to its subsidiaries. The following description of the depositary shares representing our preferred shares sets forth certain general terms that may apply to the depositary shares that we may offer under this prospectus. The specific terms of the depositary shares and the related deposit agreement and depositary receipts will be described in the applicable prospectus supplement relating to those depositary shares. We will file forms of the applicable deposit agreement and the depositary receipts as exhibits to the registration statement of which this prospectus is a part or as exhibits to one or more reports that we file with the SEC that are incorporated by reference therein. The specific terms of the depositary shares and the related deposit agreement and depositary receipts as described in the applicable prospectus supplement will supplement and, if applicable, may modify or replace the general terms described in this prospectus. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">General </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may, at our option, elect to offer fractional preferred shares, rather than full preferred shares. If we exercise this option, we will issue depositary receipts for depositary shares, each of which will represent a fractional interest of a share of a particular series of preferred shares, as specified in the applicable prospectus supplement. We will deposit with a depositary (the &#8220;preferred stock depositary&#8221;) preferred shares of each series represented by depositary shares and enter into a deposit agreement with the preferred stock depositary and holders from time to time of the depositary receipts issued by the preferred stock depositary which evidence the depositary shares. Subject to the terms of the deposit agreement, each owner of a depositary receipt will be entitled, in proportion to the holder&#8217;s fractional interest in the preferred shares, to all the rights and preferences of the series of the preferred shares represented by the depositary shares (including dividend, voting, conversion, redemption and liquidation rights). The depositary shares will be evidenced by depositary receipts issued pursuant to the deposit agreement. Depositary receipts will be issued to those persons purchasing the fractional preferred shares in accordance with the terms of the deposit agreement as described in the applicable prospectus supplement. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Dividends and Other Distributions </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The preferred stock depositary will distribute all cash dividends or other cash distributions received in respect of the preferred shares underlying the depositary shares to the record holders of depositary receipts in proportion to the number of the depositary receipts owned by the holders. The relevant record date for depositary shares will be the same date as the record date for the preferred shares. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In the event of a distribution other than in cash, the preferred stock depositary will distribute property received by it to the record holders of depositary receipts in proportion to the number of the depositary receipts owned by the holders. If the preferred stock depositary determines that it is not feasible to make such distribution, the preferred stock depositary may, with our approval, adopt another method for the distribution, including selling the property and distributing the net proceeds from the sale to the holders. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">If we offer to the holders of a series of preferred shares represented by the depositary shares any rights, preferences or privileges to subscribe for or purchase any securities, or any other rights, preferences or privileges, the preferred stock depositary will make such rights, preferences or privileges available to the record holders of depositary shares either by the issue of warrants representing such rights, preferences or privileges or by such other method as approved by the preferred stock depositary and us. If the preferred stock depositary determines that such action is not lawful or feasible or if it is instructed by a holder that such holder does not want to exercise such rights, preferences or privileges, it may (with our approval in any </div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">17</div>
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        <div style="width:456pt; line-height:12pt;">case when the preferred stock depositary has determined that it is not feasible to make such rights, preferences or privileges available) sell such rights, preferences or privileges and distribute the net proceeds from such sale to the holders of depositary shares entitled to such proceeds. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Withdrawal </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Preferred shares represented by depositary shares may be withdrawn from the depositary arrangement upon surrender of depositary receipts at the principal office of the preferred stock depositary and upon payment of the taxes, charges and fees provided for in the deposit agreement. Subject to the terms of the deposit agreement, the holder of depositary receipts will receive the appropriate number of preferred shares and any money or property represented by such depositary shares. Only whole preferred shares may be withdrawn; if a holder holds an amount of depositary shares in excess of whole preferred shares, the preferred stock depositary will deliver along with the withdrawn preferred shares a new depositary receipt evidencing the excess number of depositary shares. Except as described in the deposit agreement, holders of withdrawn preferred shares will not be entitled to redeposit such preferred shares or to receive depositary shares for such preferred shares. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Redemption </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">If we redeem preferred shares held by the preferred stock depositary, the preferred stock depositary will concurrently redeem the number of depositary shares representing the preferred shares so redeemed (provided that we have paid the applicable redemption price for the preferred shares to be redeemed plus an amount equal to any accrued and unpaid dividends to the date fixed for redemption). The redemption price per depositary share will be equal to the redemption price and any other amounts per share payable on the preferred shares multiplied by the fraction of a preferred share represented by one depositary share. If fewer than all the outstanding depositary shares are to be redeemed, the depositary shares to be redeemed will be selected by lot or pro rata (as nearly as may be practicable without creating fractional depositary shares) or as otherwise determined by us. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">After the date fixed for redemption, depositary shares called for redemption will no longer be deemed to be outstanding and all rights of the holders of depositary shares will cease, except the right to receive the monies payable upon redemption and any money or other property to which the holders of the depositary shares were entitled upon redemption upon surrender to the depositary of the depositary receipts evidencing the depositary shares. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Voting </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Upon receipt of notice of any meeting at which the holders of the preferred shares are entitled to vote, the preferred stock depositary will mail the information contained in the notice of meeting to the record holders of the depositary receipts. Each record holder of the depositary receipts on the record date (which will be the same date as the record date for the preferred shares) will be entitled to instruct the preferred stock depositary as to the exercise of the voting rights pertaining to the amount of preferred shares represented by the holder&#8217;s depositary shares. The preferred stock depositary will vote the amount of preferred shares represented by the depositary shares in accordance with the holder&#8217;s instructions, and we will agree to take all reasonable action necessary to enable the preferred stock depositary to vote such shares. The preferred stock depositary will abstain from voting the amount of preferred shares represented by the depositary shares for which it does not receive specific instructions from the holders of depositary receipts evidencing the depositary shares. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Liquidation Preference </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">If we voluntarily or involuntarily liquidate, dissolve or wind up, the holders of depositary receipts will be entitled to the fraction of the liquidation preference accorded each preferred share represented by the depositary shares, as set forth in the applicable prospectus supplement. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Adjustments </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Upon any change in par value or liquidation preference, split-up, combination or any other reclassification of the series of preferred shares represented by the depositary shares, or upon any </div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">18</div>
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        <div style="width:456pt; line-height:12pt;">recapitalization, reorganization, merger or consolidation affecting us or to which we are a party, the preferred stock depositary may in its discretion, with our approval (not to be unreasonably withheld) and instructions, and in such manner as the preferred stock depositary may deem equitable, treat any securities which are received by the preferred stock depositary in exchange for or upon conversion or in respect of such preferred shares as new deposited securities received in exchange for or upon conversion or in respect of such preferred shares and may make such adjustments in the fraction of an interest represented by one depositary share in one such preferred share as may be necessary to fully reflect the effects of such change. With our approval, the preferred stock depositary may execute and deliver additional depositary receipts, or may call for the surrender of all outstanding depositary receipts to be exchanged for new depositary receipts specifically describing such new deposited securities. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Amendment </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may amend the form of depositary receipt and any provision of the deposit agreement at any time by agreement between us and the preferred stock depositary. However, any amendment that materially and adversely alters the rights of the holders of depositary receipts or that would be materially and adversely inconsistent with the rights granted to the holders of the related preferred shares will not be effective unless the holders of at least two-thirds of the depositary shares evidenced by the depositary receipts then outstanding approve the amendment. No amendment will impair the right, subject to the exceptions set forth in the deposit agreement, of any holder of depositary receipts to surrender any depositary receipt with instructions to deliver to the holder the related preferred shares and all money and other property, if any, represented by the depositary receipt, except in order to comply with law. Every holder of an outstanding depositary receipt at the time any such amendment becomes effective will be deemed, by continuing to hold the receipt, to consent and agree to the amendment and to be bound by the deposit agreement as amended. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Termination </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may terminate the deposit agreement upon not less than 30 days&#8217; prior written notice to the preferred stock depositary if a majority of each series of preferred shares affected by the termination consents to the termination. Upon termination, the preferred stock depositary will deliver or make available to each holder of depositary receipts, upon surrender of the depositary receipts held by the holder, the number of whole and/or fractional preferred shares represented by the depositary shares evidenced by the depositary receipts together with any other property held by the preferred stock depositary with respect to the depositary receipt. </div>
        <div style="margin-left:20pt; margin-top:6pt; width:436pt; line-height:12pt;">In addition, the deposit agreement will automatically terminate if:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.02pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:3.02pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">all outstanding depositary shares have been redeemed;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.02pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:3.02pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">there has been a final distribution in respect of the related preferred shares in connection with our liquidation, dissolution or winding up and the distribution has been made to the holders of depositary receipts evidencing the depositary shares representing the preferred shares; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.01pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:3.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">each related preferred share has been converted into our common shares or other securities which are not represented by depositary shares. </div>
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        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Charges of Preferred Stock Depositary </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will pay all transfer and other taxes and governmental charges arising solely from the existence of the deposit agreement. In addition, we will pay the fees and charges of the preferred stock depositary in connection with the initial deposit of the preferred shares, the initial issuance of the depositary shares, any redemption of the preferred shares and all withdrawals of preferred shares by owners of depositary shares. All other transfer, income and other taxes and governmental charges will be at the expense of the holders of depositary receipts. Holders of depositary receipts will also pay such other charges and expenses (i) as are expressly provided in the deposit agreement to be for their accounts and (ii) for any duties requested by the holders to be performed which are outside of those expressly provided for in the deposit agreement. If those charges, expenses and taxes have not been paid by the holders of depositary receipts, the preferred stock depositary may refuse to transfer depositary shares or withdraw any preferred shares, withhold dividends and distributions and sell the preferred shares or other property represented by the depositary shares evidenced by the depositary receipts. </div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">19</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
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        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Resignation and Removal of Preferred Stock Depositary </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The preferred stock depositary may resign at any time by delivering to us notice of its election to resign, and we may at any time remove the preferred stock depositary. Any such resignation or removal will take effect upon our appointment of a successor preferred stock depositary and its acceptance of such appointment. We must appoint a successor preferred stock depositary within 60 days after delivery of the notice of resignation or removal, and any preferred stock depositary must be a bank or trust company having its principal office in the United States and having the requisite combined capital and surplus as set forth in the applicable agreement. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Notices </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The preferred stock depositary will forward to holders of depositary receipts any notice, reports and other communications that are delivered to the depositary and that we are required to furnish to the holders of the preferred shares. In addition, the depositary will make available for inspection by holders of depositary receipts at the principal office of the depositary, and at such other places as it may from time to time deem advisable, any reports and communications we deliver to the depositary as the holder of preferred shares. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Limitation of Liability </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will not be liable, nor will the preferred stock depositary be liable, if we or the preferred stock depositary are prevented from or delayed, by law or any circumstances beyond our control, in performing our respective obligations under the deposit agreement. Our obligations and the obligations of the preferred stock depositary under the deposit agreement will be limited to performing our duties in good faith and without negligence (only in the case of any action or inaction in the voting of preferred shares represented by the depositary shares), gross negligence or willful misconduct. We will not be obligated, nor will the preferred stock depositary be obligated, to prosecute or defend any legal proceeding in respect of any depositary receipts, depositary shares or preferred shares represented by depositary shares unless satisfactory indemnity is furnished. We may rely, and the preferred stock depositary may rely, on written advice of counsel or accountants, or information provided by holders of depositary receipts or other persons believed in good faith to be competent to give such information, and on documents reasonably believed to be genuine and signed or presented by a proper party.</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">20</div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bDOW">&#8203;</a></div>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">DESCRIPTION OF WARRANTS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">For purposes of this section, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer only to First Financial and not to its subsidiaries. The following description of the warrants sets forth general terms that may apply to the warrants that we may offer under this prospectus. The specific terms of any series of warrants and the related warrant agreement (including the form of the warrant certificate) will be described in the applicable prospectus supplement relating to those warrants. We will file the form of the applicable warrant agreement (including the form of the warrant certificate) as an exhibit to the registration statement of which this prospectus is a part or as an exhibit to one or more reports that we file with the SEC that are incorporated by reference therein. The specific terms of any series of warrants and the related warrant agreement (including the form of the warrant certificate) as described in the applicable prospectus supplement will supplement and, if applicable, may modify or replace the general terms described in this prospectus. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may issue warrants in one or more series to purchase debt securities, common shares, preferred shares, depositary shares or units of two or more of those securities. We may issue warrants independently or together with any other securities we offer pursuant to a prospectus supplement, and the warrants may be attached to or separate from such securities. We will issue each series of warrants under a separate warrant agreement that we will enter into with a bank or trust company, as warrant agent. The warrant agent will act solely as our agent in connection with the warrants of such series and will not assume any obligation or relationship of agency for or on behalf of holders or beneficial owners of warrants. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The applicable prospectus supplement will describe the terms of any warrants being offered and the applicable warrant agreement (including the form of the warrant certificate), including the following, as may be applicable: the title of the warrants; the total number of warrants to be issued and currently outstanding, if any; the consideration for which we will issue the warrants, including the applicable currency or currencies; anti-dilution provisions to adjust the number of our common shares or other securities to be delivered upon exercise of the warrants; the designation, number or amount and terms of the underlying securities issuable upon exercise of the warrants; the price at which and the currency or currencies in which investors may purchase the underlying securities purchasable upon exercise of the warrants, and any provisions for changes to or adjustments in the price; the dates on which the right to exercise the warrants will commence and expire; the procedures and conditions relating to the exercise of the warrants; whether the warrants will be in registered or bearer form; information with respect to book-entry registration and transfer procedures, if any; the minimum or maximum amount of warrants which may be exercised at any one time; the designation and terms of the related securities with which the warrants are issued and the number of warrants issued with each such security; the date, if any, on and after which the warrants and securities issued with the warrants will be separately transferable; a discussion of material United States federal income tax considerations; the identity of the warrant agent; and any other terms of the warrants, including terms, procedures, conditions and limitations relating to the exchange, transfer, redemption and exercise of the warrants. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Prior to the exercise of their warrants, holders of warrants exercisable for debt securities will not have any of the rights of holders of the debt securities purchasable upon such exercise and will not be entitled to payments of principal (or premium, if any) or interest, if any, on the debt securities purchasable upon such exercise, or to enforce covenants in the applicable indenture. Prior to the exercise of their warrants, holders of warrants exercisable for our common shares, preferred shares or depositary shares will not have any rights of holders of common shares, preferred shares or depositary shares purchasable upon such exercise, including any rights to vote such shares or to receive any distributions or dividends thereon. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Exercise of Warrants </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">A warrant will entitle the holder to purchase the securities at the exercise price set forth in, or that will be determinable as described in, the applicable prospectus supplement. Warrants may be exercised at any time prior to the close of business on the expiration date, and in accordance with the procedures, set forth in the applicable prospectus supplement. Upon and after the close of business on the expiration date, unexercised warrants will be void and have no further force, effect or value. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Upon receipt of payment and the warrant certificate properly completed and duly executed at the corporate trust office of the warrant agent or any other office indicated in the prospectus supplement, we will, as soon as practicable, forward the securities purchased upon such exercise. If less than all of the </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">21</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bDOR">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">warrants represented by the warrant certificate are exercised, we will issue a new warrant certificate for the remaining warrants. Warrant certificates may be exchanged for new warrant certificates of different denominations, and warrants may be exercised at the warrant agent&#8217;s corporate trust office or any other office indicated in the applicable prospectus supplement. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Enforceability of Rights; Governing Law </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The holders of warrants, without the consent of the warrant agent, may, on their own behalf and for their own benefit, enforce, and may institute and maintain any suit, action or proceeding against us to enforce, their rights to exercise and receive the securities purchasable upon exercise of their warrants. Unless otherwise stated in the applicable prospectus supplement, each issue of warrants and the applicable warrant agreement will be governed by the laws of the State of Ohio. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">DESCRIPTION OF RIGHTS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">For purpose of this section, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer only to First Financial and not to its subsidiaries. The following description of the rights sets forth certain general terms that may apply to the rights that we may offer under this prospectus. The specific terms of any rights and the related rights agreement (including the form of rights certificate) will be described in the applicable prospectus supplement relating to those rights. We will file the form of the applicable rights agreement (including the form of rights certificate) as an exhibit to the registration statement of which this prospectus is a part or as an exhibit to one or more reports that we file with the SEC that are incorporated by reference therein. The specific terms of any rights and the related rights agreement (including the form of rights certificate) as described in the applicable prospectus supplement will supplement and, if applicable, may modify or replace the general terms described in this prospectus. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may issue rights to purchase debt securities, common shares, preferred shares or depositary shares that we may offer to our securityholders. The rights may be issued independently or together with any other securities we offer, and may or may not be transferable by the persons purchasing or receiving the rights. In connection with any rights offering, we may enter into a standby underwriting or other arrangement with one or more underwriters or other persons pursuant to which such underwriters or other persons may be required to purchase any offered securities remaining unsubscribed for after such rights offering. Each series of rights will be issued under a separate rights agreement which we will enter into with a bank or trust company, as rights agent, that we will name in the applicable prospectus supplement. The rights agent will act solely as our agent in connection with the certificates representing the rights and will not assume any obligation or relationship of agency or trust for or with any holders of rights certificates or beneficial owners of rights. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The applicable prospectus supplement will describe the terms of any rights being offered and the applicable rights agreement (including the form of the rights certificate), including the following, as may be applicable: the date of determining the securityholders entitled to participate in the rights offering; the consideration for which we will issue the rights; the total number of rights to be issued; the designation, number or amount and terms of the underlying securities issuable upon exercise of the rights; the price at which and the currency or currencies in which investors may purchase the underlying securities purchasable upon exercise of rights, and any provisions for changes to or adjustments in the price; the dates on which the holder&#8217;s ability to exercise the rights will commence and expire; the procedures and conditions relating to the exercise of the rights; the extent to which the rights will be transferable; the extent to which the rights may include an over-subscription privilege with respect to unsubscribed securities; the material terms of any standby underwriting or purchase agreement entered into by us in connection with the rights offering; a discussion of material United States federal income tax considerations applicable to the exercise of the rights; the identity of the rights agent; and any other terms of the rights, including terms, procedures, conditions and limitations relating to the distribution, exchange and exercise of the rights. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Exercise Price </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Each right will entitle its holder to purchase the underlying securities at the exercise price set forth in the applicable prospectus supplement. Our Board will determine the exercise price or prices for the rights based upon a number of factors, including, without limitation: our business prospects; our capital </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">22</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bDOSPC">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">requirements; the price or prices at which an underwriter or standby purchasers may be willing to purchase securities that remain unsold in the rights offering; and general conditions in the securities markets, especially for securities of financial institutions. The subscription price may or may not reflect the actual or long-term fair value of the securities offered in the rights offering. We provide no assurances as to the market values or liquidity of any rights issued, or as to whether or not the market prices of the securities subject to the rights will be more or less than the rights&#8217; exercise price during the term of the rights or after the rights expire. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Exercising Rights </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The manner of exercising rights will be set forth in the applicable prospectus supplement. Upon receipt of payment and the rights certificate properly completed and duly executed at the corporate trust office of the rights agent or any other office indicated in the prospectus supplement, we will, as soon as practicable, forward the securities purchased upon such exercise. If less than all of the rights issued in any rights offering are exercised, we may offer any unsubscribed securities directly to persons other than our securityholders, to or through agents, underwriters or dealers or through a combination of such methods, including pursuant to standby arrangements, as described in the applicable prospectus supplement. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Expiration of Rights </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The applicable prospectus supplement will set forth the expiration date and time for exercising rights. If holders of rights do not exercise their rights prior to such time, their rights will expire and will no longer be exercisable and will become void and have no value. We will extend the expiration date as required by applicable law and may, in our sole discretion, extend the expiration date. If we elect to extend the expiration date, we will issue a press release announcing such extension prior to the scheduled expiration date. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Fees and Expenses </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We will pay all fees charged by the rights agent in connection with the distribution and exercise of rights. Rights holders will be responsible for paying all other commissions, fees, taxes or other expenses incurred in connection with their transfer of rights that are transferable. Neither we nor the rights agent will pay such expenses. </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-weight:bold;">Withdrawal and Termination </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may withdraw the rights offering at any time prior to the Expiration Date for any reason. We may terminate the rights offering, in whole or in part, at any time before completion of the rights offering if there is any judgment, order, decree, injunction, statute, law or regulation entered, enacted, amended or held to be applicable to the rights offering that in the sole judgment of our Board would or might make the rights offering or its completion, whether in whole or in part, illegal or otherwise restrict or prohibit completion of the rights offering. We may waive any of these conditions and choose to proceed with the rights offering even if one or more of these events occur. If we terminate the rights offering, in whole or in part, all affected rights will expire without value, and all subscription payments received by the subscription agent will be returned promptly without interest. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">DESCRIPTION OF STOCK PURCHASE CONTRACTS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">For purpose of this section, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer only to First Financial and not to its subsidiaries. The following description of stock purchase contracts sets forth certain general terms that may apply to the stock purchase contracts that we may offer under this prospectus. The specific terms of any stock purchase contracts will be described in the applicable prospectus supplement relating to the stock purchase contracts. We will file forms of the relevant documents as exhibits to the registration statement of which this prospectus is a part or as exhibits to one or more reports that we file with the SEC that are incorporated by reference therein. The specific terms of any stock purchase contracts as described in the applicable prospectus supplement will supplement and, if applicable, may modify or replace the general terms described in this prospectus. </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">23</div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bDOU">&#8203;</a><a name="bPOD">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may issue stock purchase contracts representing contracts obligating holders to purchase from us, and obligating us to sell to the holders, a specified number of common shares, preferred shares or depositary shares at a future date or dates. The price per common share, preferred share or depositary share may be fixed at the time the stock purchase contracts are issued or may be determined by reference to a specific formula set forth in the stock purchase contracts. Any purchase contract may include anti-dilution provisions to adjust the number of shares issuable pursuant to such purchase contract upon the occurrence of certain events. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">DESCRIPTION OF UNITS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">For purpose of this section, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer only to First Financial and not to its subsidiaries. We may issue units consisting of one or more debt securities, common shares, preferred shares, depositary shares, warrants, rights, stock purchase contracts or any combination of such securities. The applicable prospectus supplement will describe the terms of any units being offered and the applicable unit agreement (including the form of unit), including the following, as may be applicable: the terms of the units and of the debt securities, common shares, preferred shares, depositary shares, warrants, rights, stock purchase contracts or any combination of such securities comprising the units, including whether and under what circumstances the securities comprising the units may be traded separately; a discussion of material United States federal income tax considerations applicable to the units; and the provisions for the payment, settlement, transfer or exchange or the units. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">PLAN OF DISTRIBUTION </div>
        <div style="margin-left:20pt; margin-top:6pt; width:436pt; line-height:12pt;">We may sell the securities offered under this prospectus from time to time:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to or through underwriters;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.59pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.59pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">to or through dealers;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">through agents;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">directly to purchasers;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.79pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">in &#8220;at the market offerings&#8221; within the meaning of Rule 415(a)(4) of the Securities Act, to or through a market maker or into an existing trading market, on an exchange, or otherwise;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">through a dividend, distribution, rights offering, forward contracts or similar arrangements;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.79pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">through a combination of any of these methods of sale; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">through any other methods described in the applicable prospectus supplement. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:6pt; width:436pt; line-height:12pt;">The securities we distribute by any of these methods may be sold, in one or more transactions:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.79pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">at a fixed price or prices, which may be changed;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">at market prices prevailing at the time of sale;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.79pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">at prices related to prevailing market prices; or</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">at negotiated prices. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Each time we offer securities under this prospectus, the applicable prospectus supplement will describe the specific plan of distribution and the terms of the offering of the securities, including:</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.79pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the name or names of any underwriters, dealers or agents;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">the purchase price of the securities and the proceeds we will receive from the sale;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any over-allotment options under which underwriters may purchase additional securities from us;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.79pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any discounts, concessions, commissions, agency fees and other items constituting underwriters&#8217;, dealers&#8217; or agents&#8217; compensation;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any initial public offering price;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="clear:both;font-size:0pt;">&#8203;</div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">24</div>
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any delayed delivery arrangements;</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.98pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any discounts or concessions allowed or reallowed or paid to dealers; and</div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.97pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">&#8226;<br ></div>
        <div style=" float:left; margin-top:9.97pt; margin-bottom:0pt; line-height:12pt; text-align:left; width:415.5pt;">any securities exchange on which the securities may be listed. </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may sell securities from time to time to one or more underwriters, who would purchase the securities as principal for resale to the public, either on a firm-commitment or best-efforts basis. If we sell securities to underwriters, we will execute an underwriting agreement with the underwriters at the time of sale, and we will name the underwriters in the applicable prospectus supplement. The obligations of the underwriters to purchase the securities will be subject to the conditions set forth in the applicable underwriting agreement. The underwriters may resell the securities from time to time in one or more transactions, including negotiated transactions. The underwriters may sell the securities in order to facilitate transactions in any of our other securities (described in this prospectus or otherwise), including other public or private transactions and short sales. The underwriters may offer securities to the public either through underwriting syndicates represented by one or more managing underwriters or directly by one or more firms acting as underwriters. The underwriters may change from time to time any initial public offering price and any discounts or concessions allowed or reallowed or paid to dealers. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">In connection with sales to underwriters, the underwriters may be deemed to have received compensation from us in the form of underwriting discounts or commissions and may also receive commissions from purchasers of the securities for whom they may act as agents. Underwriters may resell the securities to or through dealers, and those dealers may receive compensation in the form of discounts, concessions or commissions from the underwriters and/or commissions from purchasers for whom they may act as agents. The applicable prospectus supplement will include any required information about underwriting compensation we pay to underwriters, and any discounts, concessions or commissions underwriters allow to participating dealers, in connection with an offering of securities. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">From time to time, we may sell securities to one or more dealers acting as principals. The dealers, who may be deemed to be underwriters within the meaning of the Securities Act, may then resell those securities to the public. The applicable prospectus supplement will include the names of the dealers and the terms of the transaction. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may solicit offers to purchase securities directly from the public from time to time. In this case, no underwriters or agents would be involved. We may also designate agents from time to time to solicit offers to purchase securities from the public on our behalf. Such agents may be deemed to be underwriters within the meaning of the Securities Act. The applicable prospectus supplement relating to any particular offering of securities will name any agents designated to solicit offers and will include information about any compensation we may pay the agents in connection with that offering. Unless otherwise indicated in the applicable prospectus supplement, any agent will agree to use its reasonable best efforts to solicit purchases for the period of its appointment. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may sell the securities directly to institutional investors or others. These persons may be deemed to be underwriters within the meaning of the Securities Act with respect to any sale of those securities. The terms of any such direct sales will be described in the applicable prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may make direct sales of the securities through subscription rights distributed to our existing securityholders on a pro rata basis, which may or may not be transferable. In any distribution of subscription rights, if all of the underlying securities are not subscribed for, we may then sell the unsubscribed securities directly to third parties or we may engage the services of one or more underwriters, dealers or agents, including standby underwriters, to sell the unsubscribed securities to third parties. The terms of any such sales or arrangements will be described in the applicable prospectus supplement. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may authorize underwriters, dealers and agents to solicit from certain types of institutional investors offers to purchase securities under delayed delivery contracts providing for payment and delivery on future dates. The applicable prospectus supplement will describe the material terms of these contracts, including any conditions to the purchasers&#8217; obligations, and will include any required information about commissions we may pay for soliciting these contracts. </div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">25</div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="bLM">&#8203;</a><a name="bEXP">&#8203;</a></div>
      <div style="margin-top:46pt;margin-left:70pt;width:456pt;">
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">We may authorize one or more &#8220;remarketing firms&#8221; to sell securities pursuant to a remarketing arrangement upon the purchase of the securities. Remarketing firms will act as principals for their own accounts or as agents for us, and will offer or sell the securities in accordance with a redemption or repayment pursuant to the terms of the securities, or otherwise. The applicable prospectus supplement will identify any remarketing firm and describe the terms of its compensation and agreements, if any, with us. Remarketing firms may be deemed to be underwriters within the meaning of the Securities Act with respect to the securities they remarket. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Unless the applicable prospectus supplement states otherwise, the securities offered under this prospectus (other than our common shares) will be a new issue of securities with no established trading market. We may elect to list any series of offered securities on an exchange. Any underwriters that we use in the sale of offered securities may make a market in such securities, but may discontinue such market making at any time without notice. Therefore, we cannot assure you that the securities will have a liquid trading market. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Any underwriters that we use in the sale of offered securities may engage in over-allotment, stabilizing transactions, syndicate covering transactions and penalty bids in accordance with Regulation M under the Exchange Act. Over-allotment involves sales in excess of the offering size, which create a short position. Stabilizing transactions involve bids to purchase the underlying securities in the open market for the purpose of pegging, fixing or maintaining the price of the securities. Syndicate covering transactions involve purchases of the securities, either through exercise of the over-allotment option or in the open market after the distribution has been completed, in order to cover short positions. Penalty bids permit the underwriters to reclaim a selling concession from a syndicate member when the securities originally sold by the syndicate member are purchased in a syndicate covering transaction to cover short positions. These activities may cause the price of the securities to be higher than it would be in the absence of the transactions. The underwriters may, if they commence these transactions, discontinue them at any time. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Any underwriters, dealers or agents participating in the distribution of the offered securities may be deemed to be underwriters under the Securities Act, and any compensation and profits received by such persons upon sale of the securities may be deemed to be underwriting discounts and commissions under the Securities Act. Underwriters, dealers, agents and other persons may be entitled, under agreements that they may enter into with us, to indemnification by us against certain liabilities, including liabilities under the Securities Act, or to contribution with respect to payments that such persons make with respect to these liabilities. Our underwriters, dealers and agents, or their affiliates, may be customers of, engage in transactions with, or perform services for, us in the ordinary course of business. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">LEGAL MATTERS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">Unless otherwise indicated in the applicable prospectus supplement, the validity of the securities being offered under this prospectus will be passed upon for us by Vorys, Sater, Seymour and Pease LLP, Cincinnati, Ohio. Unless otherwise provided in the applicable prospectus supplement, certain legal matters will be passed upon for any underwriter or agents by their own legal counsel. </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11pt;font-weight:bold;">EXPERTS </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The consolidated financial statements of First Financial as of December&#160;31, 2016, and for the year then ended incorporated in this prospectus by reference to our Annual Report on Form 10-K for the year ended December&#160;31, 2016 have been so incorporated in reliance on the report of Crowe Horwath LLP, independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. </div>
        <div style="text-indent:20pt; margin-top:6pt; width:456pt; line-height:12pt;">The consolidated financial statements of First Financial as of December&#160;31, 2015 and 2014 and for the years then ended incorporated in this prospectus by reference to our Annual Report on Form 10-K for the year ended December&#160;31, 2016 were audited by Ernst &amp; Young LLP, an independent registered public accounting firm, as set forth in their report thereon and are so incorporated herein in reliance upon such report given on the authority of such firm as experts in accounting and auditing.</div>
      </div>
      <div style="margin-top:16pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:11pt;">26</div>
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    <div style=" width:595.3pt;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Palatino Linotype, Book Antiqua, Palatino, serif;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;"><a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a></div>
      <div style="margin-top:28pt;margin-bottom:21.71pt;margin-left:70pt;width:456pt;">
        <div style="margin-top:6pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 2pt; line-height: 0pt; border-bottom: 2pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:3pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:40.98pt; text-align:center; width:456pt; line-height:15pt;font-size:14pt;">$100,000,000 </div>
        <div style="position:relative;z-index:-1;margin-top:48pt; text-align:center; width:456pt;">
          <img src="lg_firstfinbancorp.jpg" alt="[MISSING IMAGE: lg_firstfinbancorp.jpg]" height="103" width="245" >
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        <div style="margin-top:60pt; text-align:center; width:456pt; line-height:17pt;font-size:16pt;">FIRST FINANCIAL BANCORP. </div>
        <div style="margin-top:60pt; text-align:center; width:456pt; line-height:15pt;font-size:14pt;">Common Shares</div>
        <div style="margin-top:66.147pt; text-align:center; width:456pt;">
          <div style="margin-left: 34.21%; margin-right: 34.21%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:13.99pt; text-align:center; width:456pt; line-height:11pt;"><font style="text-transform:uppercase;">Prospectus Supplement</font></div>
        <div style="margin-top:11.48pt; text-align:center; width:456pt;">
          <div style="margin-left: 34.21%; margin-right: 34.21%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:61.98pt; text-align:center; width:456pt; line-height:17pt;font-family:Arial, Helvetica, sans-serif;font-size:16pt;">RAYMOND JAMES </div>
        <div style="margin-top:60pt; text-align:center; width:456pt; line-height:11pt;">July&#160;28, 2017</div>
        <div style="margin-top:64.48pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
