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TRANSACTION ACCOUNT GUARANTEE PROGRAM NOTICE

This is to advise you that First Financial Bank participates in the FDIC's Transaction Account Guarantee Program.  Under the program, your noninterest-bearing transaction accounts with First Financial Bank have unlimited FDIC deposit insurance.  This insurance is in addition to the FDIC's normal deposit insurance coverage of $250,000.  Unless extended by the FDIC, this additional insurance and the current base deposit insurance coverage of $250,000 are available only through December 31, 2010.  At that time, FDIC deposit insurance coverage will revert to $100,000.
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