<SEC-DOCUMENT>0000708955-24-000004.txt : 20240213
<SEC-HEADER>0000708955-24-000004.hdr.sgml : 20240213
<ACCEPTANCE-DATETIME>20240110111718
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000708955-24-000004
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20240110

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST FINANCIAL BANCORP /OH/
		CENTRAL INDEX KEY:			0000708955
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				311042001
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	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>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2024 Workiva -->
<title>Document</title></head><body><div id="i4d72898f0ad64884bc4b9950506a9fff_39"></div><div style="min-height:0pt;width:100%"><div><font><br></font></div></div><div><img alt="image_0.jpg" src="image_0.jpg" style="height:25px;margin-bottom:5pt;vertical-align:text-bottom;width:815px"></div><div style="margin-top:4.8pt"><font><br></font></div><div style="padding-left:5.75pt;text-indent:36pt"><img alt="image_2.jpg" src="image_2.jpg" style="height:59px;margin-bottom:5pt;vertical-align:text-bottom;width:143px"></div><div><font><br></font></div><div><font><br></font></div><div style="margin-top:1.35pt"><font><br></font></div><div style="padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">January 8th, 2024</font></div><div><font><br></font></div><div style="margin-top:10.6pt"><font><br></font></div><div style="padding-left:54.95pt;padding-right:299.05pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:133%">Division of Corporate Finance </font></div><div style="padding-right:299.05pt;text-indent:54pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Securities and Exchange Commission</font></div><div style="padding-left:36pt;padding-right:299.05pt;text-indent:18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:120%">100 F Street, NE</font></div><div style="margin-top:0.05pt;padding-left:54.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Washington, DC 20549</font></div><div style="margin-top:2pt;padding-left:54.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Attn&#58; Lory Empie and Cara Lubit</font></div><div style="margin-top:3.95pt"><font><br></font></div><div style="margin-top:0.05pt;padding-left:90.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Re&#58;&#160;&#160;&#160;&#160;First Financial Bancorp.</font></div><div style="margin-top:2.05pt;padding-left:127pt;padding-right:156.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:132%">Form 10-K for Fiscal Year Ended December 31, 2022 File No. 001-34762</font></div><div style="margin-top:2.25pt"><font><br></font></div><div style="padding-left:54.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Dear Ms. Empie and Ms. Lubit&#58;</font></div><div style="margin-top:12pt;padding-left:54.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:133%">This letter is in response to the comments of the staff (the &#8220;Staff&#8221;) of the U.S. Securities and Exchange Commission (the &#8220;Commission&#8221;) provided in your letter dated December 22, 2023 related to the Annual Report on Form 10-K for the year ended December 31, 2022 (the &#8220;2022 Annual Report&#8221;) filed by First Financial Bancorp. (&#8220;First Financial&#8221; or the &#8220;Company&#8221;). For your convenience we have repeated your comments prior to the Company&#8217;s response.</font></div><div style="margin-top:10.05pt;padding-left:54.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;text-decoration:underline">Form 10-K for the period ended December 31, 2022</font></div><div style="margin-top:12.05pt;padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;text-decoration:underline">Exhibit 13&#58; Registrant&#8217;s annual report to shareholders for the year ended December 31, 2022</font></div><div style="margin-top:12pt;padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;text-decoration:underline">Loans and Leases, page 16</font></div><div style="margin-top:12pt;padding-left:91pt;padding-right:6.55pt;text-indent:-36.05pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;padding-left:27.71pt">We note the tabular disclosure on page 17 detailing the composition of your gross loan portfolio, which includes commercial real estate (&#8220;CRE&#8221;). Given the significance of CRE in your total loan portfolio, please revise your disclosures, in future filings, to further disaggregate the composition of your CRE loan portfolio by borrower type (e.g., by office, hotel, multifamily, etc.), geographic concentrations and other characteristics (e.g., current weighted average and&#47;or range of loan- to-value ratios, occupancy rates, etc.), if any. In addition, revise to describe the specific details of any risk management policies, procedures or other actions undertaken by management in response to the current environment.</font></div><div style="margin-top:13.4pt;padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Response&#58;</font></div><div style="margin-top:13.35pt;padding-left:55pt;padding-right:7.4pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As requested, the Company will incorporate enhanced disclosure related to its commercial real estate portfolio in future filings. This enhanced disclosure will include disaggregation of the portfolio based on readily available data that reflects the Company&#8217;s approach to monitoring and managing the portfolio, as well as the Company&#8217;s risk management approach in response to the current economic environment.</font></div><div style="margin-top:13.35pt;padding-left:55pt;padding-right:7.4pt"><font><br></font></div><div style="margin-top:13.35pt;padding-left:55pt;padding-right:7.4pt"><font><br></font></div><div style="margin-top:13.35pt;padding-left:55pt;padding-right:7.4pt"><font><br></font></div><div style="margin-top:13.35pt;padding-left:55pt;padding-right:7.4pt"><font><br></font></div><div><img alt="image_1.jpg" src="image_1.jpg" style="height:26px;margin-bottom:5pt;vertical-align:text-bottom;width:814px"></div><div style="height:0pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="i4d72898f0ad64884bc4b9950506a9fff_42"></div><hr style="page-break-after:always"><div style="min-height:69.84pt;width:100%"><div><font><br></font></div></div><div style="margin-top:1.95pt;padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;text-decoration:underline">Market Risk, page 30</font></div><div><font><br></font></div><div style="padding-left:91pt;padding-right:20.2pt;text-indent:-36.05pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;padding-left:27.71pt">We note your disclosures regarding risk management processes and, on page 32, liquidity risk management-related items that management is closely monitoring. In future filings, please enhance your disclosures to&#58;</font></div><div style="margin-top:13.35pt;padding-left:109pt;padding-right:17.3pt;text-indent:-18.05pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">a.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;padding-left:10.42pt">note the existence of oversight committees such as an Asset Liability Committee or similar, and the membership and responsibilities of such committees, as applicable&#59;</font></div><div style="margin-top:0.05pt"><font><br></font></div><div style="padding-left:109pt;padding-right:33.1pt;text-indent:-18.05pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">b.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;padding-left:9.8pt">discuss any material liquidity policy guidelines or limits, including depositor or other concentration limits, and provide examples of speci&#64257;c metrics used to manage liquidity within those guidelines&#59; and</font></div><div><font><br></font></div><div style="padding-left:109pt;text-indent:-18.05pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%;padding-left:10.71pt">to the extent applicable, disclose whether you have been in compliance with such policy</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">guidelines or related limits and, if not, planned actions to remediate noncompliance.</font></div><div style="margin-top:9.1pt"><font><br></font></div><div style="padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Response&#58;</font></div><div><font><br></font></div><div style="margin-top:0.05pt;padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As requested, the Company will adjust future filings to include enhanced disclosures related to liquidity risk management. These enhanced disclosures will include detailed discussion of oversight committees and their responsibilities related to the Company&#8217;s liquidity position, as well as material specific measurements utilized by those committees to monitor and manage the Company&#8217;s liquidity. The enhanced disclosures will also include discussion of the Company&#8217;s compliance with material liquidity guidelines and limits as established by its internal committees charged with oversight.</font></div><div style="margin-top:13.35pt;padding-left:91pt;padding-right:6.15pt;text-indent:-36.05pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;padding-left:27.71pt">In future filings, please consider expanding the discussion of your contingency funding plan to provide additional detail regarding types of revisions and &#47; or to describe actions that would be taken to address liquidity risk during a stress event, such as balance sheet repositioning, capital raises, promotional efforts for deposits, increased usage of brokered deposits, etc., as applicable.</font></div><div style="margin-top:13.35pt;padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Response&#58;</font></div><div><font><br></font></div><div style="padding-left:55pt;padding-right:0.9pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As requested, First Financial will incorporate expanded discussion of its contingency funding plan into its discussion of Market Risk and Liquidity. This discussion will detail the Company&#8217;s various strategies and&#47;or options to ensure that the Company has sufficient liquidity during a stress event.</font></div><div style="margin-top:0.15pt"><font><br></font></div><div style="padding-left:55pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;text-decoration:underline">Critical Accounting Estimates, page 34</font></div><div style="margin-top:0.05pt"><font><br></font></div><div style="padding-left:91pt;padding-right:5.75pt;text-indent:-36.05pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%;padding-left:27.71pt">We note your disclosure for critical accounting estimates. Please revise your disclosures, in future filings, to explain why each critical accounting estimate is subject to uncertainty and, to the extent the information is material and reasonably available, (i) provide qualitative and quantitative information necessary to understand the estimation uncertainty and the impact the critical accounting estimate has had or is reasonably likely to have on financial condition or results of operations, and (ii) explain how much each estimate and&#47;or assumption has changed over a relevant period, and the sensitivity of the reported amounts to the material methods, assumptions and estimates underlying its calculation. Ensure that the disclosure of your critical</font></div><div><font><br></font></div><div style="height:13.68pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:69.84pt;width:100%"><div><font><br></font></div></div><div><font><br></font></div><div style="margin-top:1.95pt;padding-left:91pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">accounting estimates is not a repetition of your significant accounting policies. Refer to Item 303(b)(3) of Regulation S-K.</font></div><div><font><br></font></div><div style="margin-top:0.05pt;padding-left:54.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Response&#58;</font></div><div style="margin-top:13.3pt;padding-left:55pt;padding-right:5.6pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Company has reviewed Item 303(b)(3) of Regulation S-K and the final copy of the adopting release entitled &#8220;Management&#8217;s Discussion and Analysis, Selected Financial Data, and Supplementary Financial Information&#8221; from which the rule was established. The Company has researched sample disclosure from comparable companies and engaged in initial discussions regarding the required additional disclosure with internal financial reporting and accounting personnel and legal counsel. As a result of such research and discussions, we will incorporate additional information as requested in future filings.</font></div><div style="margin-top:0.1pt"><font><br></font></div><div style="padding-left:54.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:132%">If you have any questions, please do not hesitate to contact me at 513-979-5729 or Jamie.anderson&#64;bankatfirst.com. We appreciate your consideration of our responses.</font></div><div><font><br></font></div><div style="margin-top:10.2pt;padding-left:252pt;text-indent:18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Sincerely,</font></div><div><font><br></font></div><div style="padding-left:270.95pt"><img alt="image_3.jpg" src="image_3.jpg" style="height:73px;margin-bottom:5pt;vertical-align:text-bottom;width:198px"></div><div><font><br></font></div><div style="margin-top:0.05pt;padding-left:270.95pt;padding-right:156.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">James M. Anderson</font></div><div style="padding-left:270pt;padding-right:156.95pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Chief Financial Officer</font></div><div style="height:13.68pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image_0.jpg
<TEXT>
begin 644 image_0.jpg
MB5!.1PT*&@H    -24A$4@  "?8   !0" ,   !FQ$:,   # %!,5$7]QT,
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M                                                           C
MW<G(     6)+1T0 B 4=2     EP2%ES   .Q   #L0!E2L.&P   -I)1$%4
M>)SMP0$!    @)#^K^X("@
M
M
M
M                                            &!U=  $K1<AX
) $E%3D2N0F""

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image_1.jpg
<TEXT>
begin 644 image_1.jpg
MB5!.1PT*&@H    -24A$4@  "?8   !3" ,   #@4#0B   # %!,5$4)<<X
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M                                                          #,
M D'F     6)+1T0 B 4=2     EP2%ES   .Q   #L0!E2L.&P   .1)1$%4
M>)SMP0$-    PJ#W3VT.-Z
M
M
M
M                                                        C@P[
30@ !.V9^Y@    !)14Y$KD)@@@$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image_2.jpg
<TEXT>
begin 644 image_2.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1" "( 44# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$!
M 0$! 0        $" P0%!@<("0H+_\0 M1$  @$"! 0#! <%! 0  0)W  $"
M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,!  (1 Q$ /P#]4Z*:XR!]
M:\!_;+_:ET_]E'X0S^)Y;>/4-=NY19Z1ICOM%Q<$9)8CG8@!+$=]J\%@0 >]
M7-S':P/++(D42#<TDC;54#J23TKSC4/VF/A%I5V]K>_%3P59W4?#PS^(K.-U
M/N#)Q^(K^??XT?M*?$;X^ZU<:AXS\5W^J1R-N73Q*8[. =DCA7"*!],\\DDD
MGR]P<>_M0!_37X7^-_P[\=W:6OAKQ[X8\0W3G"P:5K%O=.3W&U'.:[1#DD>G
MOFOY8(B58G)&!G/I7[M_\$L_ _BGPW^S+8:WXKU?5=1N/$4YOK&VU&Z>5+6R
M "Q!%8G;OPSY'4,M 'V512#I0Q"CF@!:*3K2T %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% #9 "O.,5^/?\ P6TUZXN?BQ\/-&:1S:V>C372QG[H>6<JS#W*Q)GZ5^A?
M[:_Q^UC]FOX!:KXZT*PL]2U&SN[6!;>_#&(K)*%;.T@]#ZU^(O[5_P"UAXB_
M:U\3Z+KOB32=-TF[TNS-C&FFB0*Z%R^3O9CG)/>@#PRO9?V/O@A9?M%?M$>$
MO 6I7LVGZ9J3S274]N 9?*AA>9E7/&6\O;GG&<X.*\:KTC]GCXWZM^SI\6M'
M\?:)8V>HZEIBSI';7X8PN)87B;=M(/ <GCTH _8K6/\ @DK^S]JFFQ6]II6M
M:/<Q[<W=OJTDC2$8^\)-Z_-CG:!U_"OL71-(M-!TJRTVP@2VL;.!+>W@B "1
MQH JJ!Z  #ITQ7X\#_@M/\4P>/!OA1CW)2XY]Q^\]*_1W7OVE8_A'^RUH_Q6
M^)MF]I=3Z9:75YI^DQ,Q6XN%4K @8@Y!8*22 ""<B@#W.ZNH[:WDFE=8H8P6
M>1V"JJCJ2>P [U\QZ5^WU\/?&7[2/A;X0>"IQXJO]2ENTOM:M''V*U$%K-.5
MC?GSF)B"_+\H!^\:_*?]J[_@H9\1?VF)9M+6X?PGX+W-MT+3YCF8=!]HE 4R
MG_9X49Z<4?\ !+S_ )/J^&7?G4O_ $V7= '[UZQJUMH&DW^IWSF*SLH)+F9P
M,[8T7<QP.N #Z]*^8O\ AZ!^SBO7QVP_[AMS_/RZ]]^,'_)(_&__ & [[_T0
M]?S$'K0!^_/_  ]"_9Q_Z'QO_!;=?_&Z#_P5#_9Q'_,]O_X+;G_XW7X#44 ?
MT/>&?^"@_P"SUXJN%@M?BAHUK(QP/[3\RS4?5I551^)KW?0=?TSQ+I\6HZ1J
M%IJEA.H>*ZLIDFBD4]"KH2"/H37\M:<$UZ1\%OV@?'?P \3VVM>"O$-WI4L4
M@>2T#EK6Y4=5EBSM<$?CTP0: /Z7@<B@\5XE^R!^TKIO[4_P;T_Q?:P"QU-&
M-GJM@&S]GND +8]48,&4^C 'D$#I?VA?CEH'[.OPIUKQQXB9FL[!0L-M&</=
M3L<1PK[L>_8 GM0!VNO^)=)\+Z1<ZIK.I6NDZ;;*7GO+V=88HE]6=B !^-?+
MWC/_ (*C?L\>#[EX%\83:_*F0PT:PEG3/LY 0_4-CWK\<OVC_P!J?Q_^TUXJ
MFU7Q9JTGV)7/V/1+=BMG9H,X5$Z%L<%SR?IP/&SU&<D'D 4 ?MNG_!93X$M-
ML.F^,E7.-YTRWV_7_CXS^E=EX9_X*J_L[^(YDCE\57NBEN#_ &GIDR!?J4#"
MOP@72+TQ^8+*X:/KN$38_/%5E!63!RO."".: /Z=OA_\5_!GQ6TG^TO!WB?2
MO$UD/OR:9=I-Y9/9PIRI]F -<U\</VEOA[^SC:Z7<^/]<.BPZF[Q6KBWEE\Q
MD +<(IQU%?@U^R'\)?'_ ,9?C/H^B> -1U#0M05A->:W83/#_9]L"-\K.I'3
M@*N?F) XZC[H_P""SNF2Z-\-?@Y83W]SJMQ:SW4,E]>$&:X988E,C[55=[8R
M< =>G2@#ZB_X>A?LX_\ 0^-_X+;K_P"-T?\ #T+]G'_H?&_\%MU_\;K\!J*
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M"_N7$4%K:Q&265R>%50"22> !S0!^L7_  1"GNV\%_%>%_\ CRCU#3Y(@?\
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M_)['BW_KRT__ -)8Z /D&/J?I7[F?\$VOA!X$\5?L7?#S5-:\%>'M8U*X_M
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M'!4CL01C\/:NT^!GQ>UGX$?%3P]XXT)_].TFX64PL3MN(CQ)$WLR%A^.>H%
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MV/%O_7EI_P#Z2QT ?'XZU^_O_!+?_DQ3X9_]Q/\ ].=W7X!#K7[^_P#!+?\
MY,4^&?\ W$__ $YW= 'U71110 4444 %%%% !1110 4444 %%%% !1110 44
M44 (>!7Y _\ !;LY^*/PT_[ US_Z.%?KZW3_ !K$UOP5X=\431S:SH.F:M+&
MI5'OK..8H/0%E.* /Y=*^LO^"6)Q^V[X$_ZXZC_Z0SU^Y'_"HO O_0E^'?\
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MV/GSRHBH58,RQ84;,@N!DGK7JGP/TCQ;H/P]L+/QO>?;M?1G,DN\.0A;**6
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M9!K-\1Z=\3?VL/$FC66J^%Y_"?A>REWRR7$;Q]< L-X!=L9 "C&3S7:_M/>
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/)+8]'L.VT444<S0UH?_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>image_3.jpg
<TEXT>
begin 644 image_3.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1" "/ 8(# 2(  A$! Q$!_\0
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M^AS4:_MKM+0?1117"=84444 %%%% !1110 4444 %%%% !12$XH!S0 M%%%
M!1110 4444 %%->0)UJO9ZI::@LC6US%<"-BCF)PVUAU!QT/M3L[7%=7MU+5
M%%%(84444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 (>
MAJ/>57+<4YR55CD5X#X^^,FK>/M>N/ ?PO>.]U?[FI:\I/V;3(_XMK='DZC
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MW0C2W<R-LC RS9Q@#G.:]3-DXUHT8NZBHI?K^)S8>,8QE-*USY"^.<C?$/\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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4H **** "BBB@ HHHH **** /_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
