0001144204-14-025183.txt : 20140428 0001144204-14-025183.hdr.sgml : 20140428 20140428123959 ACCESSION NUMBER: 0001144204-14-025183 CONFORMED SUBMISSION TYPE: DEFA14A PUBLIC DOCUMENT COUNT: 5 FILED AS OF DATE: 20140428 DATE AS OF CHANGE: 20140428 EFFECTIVENESS DATE: 20140428 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST FINANCIAL SERVICE CORP CENTRAL INDEX KEY: 0000854395 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 611168311 STATE OF INCORPORATION: KY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: DEFA14A SEC ACT: 1934 Act SEC FILE NUMBER: 000-18832 FILM NUMBER: 14788416 BUSINESS ADDRESS: STREET 1: 2323 RING ROAD CITY: ELIZABETHTOWN STATE: KY ZIP: 42701 BUSINESS PHONE: 2707652131 MAIL ADDRESS: STREET 1: 2323 RING ROAD CITY: ELIZABETHTOWN STATE: KY ZIP: 42701 FORMER COMPANY: FORMER CONFORMED NAME: FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY DATE OF NAME CHANGE: 19920703 DEFA14A 1 v376214_defa14a.htm DEFA14A

 

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
SCHEDULE 14A INFORMATION
 
Proxy Statement Pursuant to Section 14(a) of
the Securities Exchange Act of 1934 (Amendment No.)
 
Filed by the Registrant  x
Filed by a Party other than the Registrant  ¨
Check the appropriate box:
¨ Preliminary Proxy Statement
¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))
¨ Definitive Proxy Statement
x Definitive Additional Materials
¨ Soliciting Material Pursuant to §240.14a-12
 
First Financial Service Corporation
(Name of Registrant as Specified In Its Charter)
 
Not Applicable 
(Name of Person(s) Filing Proxy Statement, if other than the Registrant)
 
Payment of Filing Fee (Check the appropriate box):
x No fee required.
¨

Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.

 

  (1) Title of each class of securities to which transaction applies:
     
  (2) Aggregate number of securities to which transaction applies:
     
  (3) Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):
     
  (4) Proposed maximum aggregate value of transaction:
     
  (5) Total fee paid:
     
¨ Fee paid previously with preliminary materials.
¨

Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.

 

  (1)   Amount Previously Paid:
     
  (2) Form, Schedule or Registration Statement No.:
     
  (3) Filing Party:
     
       

 

 
 

  

The following definitive additional proxy solicitation materials for the Annual Meeting of the Shareholders of First Financial Service Corporation (“FFKY”) to be held on May 21, 2014 are included:

 

1.Chairman’s letter dated April 21, 2014 (mailed to FFKY shareholders with proxy statement dated April 21, 2014 and 2013 Annual Report on Form 10-K);
2.President’s letter dated April 25, 2014; and
3.Current Report on Form 8-K filed April 24, 2014.

 

 

 
 

 

 

Dear Fellow Shareholder:

 

Our wholly owned subsidiary First Federal Savings Bank returned to profitability for the first time since 2008, reporting net income of $2.7 million for the year ended December 31, 2013. Although First Financial Service Corporation reported a net loss of $313,000 for 2013, this represents significant improvement from a net loss of $9.5 million for 2012 and $24.2 million for 2011.

 

During recent years our emphasis has been to set the groundwork for a brighter future for our Company. We committed to improving credit quality, resolving problem assets, transitioning towards profitability and improving the Bank’s capital ratios. Through persistence, commitment and focus, your team made progress in all of these areas during 2013.

 

Improving credit quality and resolving our problem assets are paramount to returning the Bank to sustained profitability. Having invested considerable time, effort and resources toward achieving these goals, we are pleased to be able to show positive results. Non-performing loans have declined to $17 million at December 31, 2013, a 74% improvement from the peak of $64 million. Total non-performing assets, which includes non-performing loans as well as other real estate owned, declined 30% for the year to $31 million at December 31, 2013. This represents a 66% improvement from the peak of $89 million. As credit quality improves, the cost associated with problem asset resolution declines, accelerating an eventual return to sustained earnings. We expect continued credit quality improvement during 2014.

 

                          

 With the reduction in problem assets and the return to profitability, First Federal Savings Bank has achieved five consecutive quarters of improvement in its capital ratios. Our Bank leverage ratio has improved to 7.96% at December 31, 2013 from a low of 5.72% at June 30, 2012. Our Bank risk based capital ratio increased to 13.48% at December 31, 2013 from a low of 9.94% at September 30, 2011. These ratios place us in a stronger position to address our longer-term capital needs.

 

Our bedrock has been a strong franchise, exemplary products and services, and outstanding associates. We are very pleased with the efforts of our associates during the year and their commitment to serving our community and our customers. As we enhance our credit and risk management practices, we see, and aim to capitalize on, a promising environment for profitable business development. Our retail banking and small business lending franchise has continued to expand. Core retail and business relationships continue to grow, enabling us to maintain our leadership in our core market with a 19% overall market share compared to 8% for the next largest competitor. We continued our business calling program, complemented by dedicated cash management specialists and a small business banking team. Our commercial relationship lenders and the small business team continue to cultivate mutually beneficial relationships with current and potential customers. These initiatives, along with striving to be more efficient in our operations and more effective in providing quality service to our customers, will be major factors in a return to sustained profitability.

 

On behalf of the Board of Directors and the associates, we thank you for your interest in First Financial Service Corporation and your continued support. We look forward to a prosperous 2014.

  

 

J. Stephen Mouser   Gregory S. Schreacke  
Chairman of the Board      

 

 

 
 

  

 

 

April 25, 2014

 

 

Dear Shareholder:

 

 

On April 22, 2014, First Financial Service Corporation (NasdaqGM: FFKY) announced that it had entered into an agreement with Community Bank Shares of Indiana, Inc. (NasdaqGM: CBIN), by which CBIN will acquire all of the outstanding common shares of FFKY through a statutory share exchange. Headquartered in New Albany, Indiana, CBIN is the holding company for Your Community Bank (YCB) and The Scott County State Bank.

 

It is anticipated that immediately following the share exchange, First Federal Savings Bank of Elizabethtown (FFSB) will merge into Your Community Bank (with YCB as the surviving bank).

 

The agreement with CBIN provides that upon completion of the share exchange, each issued and outstanding share of FFKY common stock will be canceled and converted into the right to receive 0.153 shares of CBIN’s common stock, which ratio is subject to adjustment in certain circumstances, plus cash in lieu of any fractional share. All outstanding FFKY stock options will be canceled and converted into the right to receive a cash payment as provided in the agreement.

 

First, we want to make it clear that our 2014 annual meeting of shareholders scheduled for May 21, 2014 will proceed as described in the proxy statement dated April 21, 2014 that was recently sent to you. FFKY shareholders will not be asked to take any action with respect to the proposed share exchange at the 2014 annual meeting. Instead, we anticipate that the proposed share exchange will be submitted for approval by FFKY shareholders at a special meeting later this year.

 

Second, this letter is accompanied by a copy of the Current Report on Form 8-K that we recently filed with the SEC to describe in greater detail the terms of the share exchange. The 8-K Report describes several agreements and documents relating to the share exchange that you can obtain from the SEC’s website http://www.sec.gov or from us, as indicated under Additional Information for Shareholders, below. This letter and the 8-K Report contain descriptions of the transactions related to the share exchange, which descriptions are qualified in their entirety by reference to the applicable governing agreements and documents identified in the 8-K Report.

 

After careful evaluation and consideration, our board of directors selected the strategic option that they believed would provide our shareholders with the best long-term prospects for growth and value enhancement with the least amount of downside risk. 

 

We are excited to have the opportunity to join forces with a strong, customer and community-focused institution. Your Community Bank is our neighbor in Southern Indiana with a 24-branch footprint north of the Ohio River that complements our footprint south of the Ohio River. YCB also has branches in Louisville, Lexington, and Bardstown, Kentucky. Together, our combined organization is expected to have approximately 40 locations serving Indiana and Kentucky. We believe that the combination will create a dynamic community banking franchise with significant core earnings power.

 

 

 
 

 

Equally important, we believe that the shared values of YCB and FFSB will enhance our ability to meet the needs of our employees, customers, communities, and shareholders as a combined company.  Our FFSB team is looking forward to becoming an integral part of the Your Community Bank organization, and more importantly, continuing our role as a community bank serving our local market - and whose heart is in everything that we do.

 

Sincerely,

Greg Schreacke

President

  

Additional Information for Shareholders

 

CBIN has stated in its Current Report on 8-K filed April 22, 2014 that CBIN intends to file a registration statement on Form S-4 with the Securities and Exchange Commission to register CBIN’s shares that will be issued to FFKY’s shareholders in connection with the proposed share exchange involving FFKY and CBIN (Share Exchange). The registration statement will include a joint proxy statement/prospectus that will be distributed to shareholders of both CBIN and FFKY and other relevant materials in connection with the proposed Share Exchange. Investors and security holders are urged to read the registration statement and joint proxy statement /prospectus when they become available (and any other documents filed with the SEC in connection with the transaction or incorporated by reference into the joint proxy/prospectus) because such documents will contain important information regarding the proposed Share Exchange. Investors and security holders may obtain free copies of these documents and other documents filed with the SEC on the SEC’s website at http://www.sec.gov. Investors and security holders may also obtain free copies of the documents filed with the SEC by FFKY at FFKY’s website at http://www.ffsbky.com or by contacting Frank Perez, Chief Financial Officer of FFKY, by telephone at (270) 765-2131.

 

FFKY, CBIN and their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from shareholders of FFKY in connection with FFKY’s annual meeting of shareholders to be held on May 21, 2014, as well as a future special meeting of FFKY shareholders relating to the Share Exchange. Information about the directors and executive officers of FFKY is set forth in the proxy statement for FFKY’s 2014 annual meeting of shareholders filed with the SEC on April 21, 2014. Information about the directors and executive officers of CBIN is set forth in the proxy statement for CBIN’s 2014 annual meeting of shareholders filed with the SEC on April 4, 2014. Additional information regarding the interests of these participants and other persons who may be deemed participants in the Share Exchange may be obtained by reading the joint proxy statement/prospectus regarding the Share Exchange when it becomes available.

 

Forward-Looking Statements

 

Statements in this report that are not statements of historical fact are forward-looking statements. FFKY may make forward-looking statements in future filings with the SEC, in press releases, and in oral and written statements made by or with the approval of FFKY. Forward-looking statements include, but are not limited to: (1) projections of revenues, income or loss, earnings or loss per share, capital structure and other financial items; (2) plans and objectives of the Corporation or its management or Board of Directors; (3) statements regarding future events, actions or economic performance; and (4) statements of assumptions underlying such statements. Words such as “estimate,” “strategy,” “believes,” “anticipates,” “expects,” “intends,” “plans,” “targeted,” and similar expressions are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements. Various risks and uncertainties may cause actual results to differ materially from those indicated by our forward-looking statements. Factors that might cause such a difference include, but are not limited to, expected cost savings, synergies and other financial benefits from the proposed Share Exchange might not be realized within the expected time frames and costs or difficulties relating to integration matters might be greater than expected; the requisite shareholder and regulatory approvals for the proposed Share Exchange might not be obtained; market, economic, operational, liquidity, credit and interest rate risks associated with the FFKY’s and CBIN’s businesses, competition, government legislation and policies (including the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act and its related regulations) might affect the ability of FFKY and CBIN to execute their respective business plans (including the proposed acquisition of FFSB); deviations from performance expectations related to the acquisition of FFSB and the other subsidiaries, the failure of one or more of the accredited investors who have signed a subscription agreement to purchase CBIN’s common stock immediately prior to the Share Exchange; and other matters disclosed periodically in FFKY’s filings with the SEC.

 

Our forward-looking statements speak only as of the date on which they are made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances occurring after the date of any such statement except if required by law to do so.

 

 
 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 8-K

CURRENT REPORT

 

Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

April 21, 2014

(Date of earliest event reported)

 

 

First Financial Service Corporation

(Exact name of registrant as specified in its charter)

 

Securities and Exchange Commission File Number: 0-18832

 

 

KENTUCKY 61-1168311
(State or other jurisdiction  (I.R.S. Employer Identification No.)
  of incorporation or organization)  

 

 

2323 Ring Road, Elizabethtown, Kentucky, 42701

(Address of principal executive offices) (Zip Code)

 

 

Registrant’s telephone, including area code: (270) 765-2131

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

x Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

 

Item 1.01 Entry into a Material Definitive Agreement

 

Share Exchange Agreement

 

On April 21, 2014, First Financial Service Corporation, Inc., a Kentucky corporation (“FFKY”), entered into an Agreement and Plan of Share Exchange (the “Agreement”) with Community Bank Shares of Indiana, Inc. (“CBIN”), whereby CBIN will acquire all of the outstanding shares of FFKY common stock pursuant to a statutory share exchange (the “Share Exchange”). It is anticipated that immediately following the Share Exchange, FFKY will merge into the Company and First Federal Savings Bank of Elizabethtown, a Kentucky chartered commercial bank and wholly-owned subsidiary of FFKY (“FFB”), will merge into Your Community Bank, an Indiana chartered commercial bank and wholly-owned subsidiary of CBIN (with Your Community Bank as the surviving bank).

 

Subject to the terms and conditions of the Agreement, upon completion of the Share Exchange (“Effective Time”), each share of FFKY’s common stock issued and outstanding immediately prior to the Effective Time (other than shares for which dissenters’ rights are exercised) will be canceled and converted into the right to receive 0.153 shares of CBIN’s common stock (the “Exchange Ratio”), plus cash in lieu of any fractional share. Further, all FFKY stock options that are outstanding and exercisable immediately prior to the Effective Time will be canceled and converted into the right to receive a cash payment as provided in the Agreement.

 

The Exchange Ratio may be adjusted, as provided in the Agreement, in the event that as of the date ten (10) business days prior to the Effective Time (a) FFKY’s consolidated net book value is less than $13,000,000 or (b) FFB has failed since the date of the Agreement to gain more than $3,000,000 (through payoffs, paydowns or certain collateral enhancements) with respect to sixteen (16) specifically identified special assets.

 

The Agreement provides that immediately following the Effective Time one former director of FFKY will be appointed to CBIN’s board of directors and one former director of FFKY will be appointed to Your Community Bank’s board of directors, each of whom shall serve until the next annual meeting of shareholders for the applicable entity and then be nominated for a full term thereafter.

 

The members of the boards of directors of FFKY and of FFB and certain executive officers of FFKY and FFB have agreed to enter into an affiliate agreement, which includes among other things, an agreement to vote their shares of FFKY common stock in favor of the Share Exchange and an agreement not to compete with Your Community Bank and/or solicit former FFB customers for a certain period of time.

 

The Agreement contains representations, warranties and covenants of FFKY and CBIN including, among others, covenants that require FFKY (i) to conduct its business in the ordinary course during the period between the execution of the Agreement and the Effective Time or earlier termination of the Agreement and (ii) not to engage in certain kinds of transactions during such period (without the prior written consent of CBIN). Subject to certain terms and conditions, the board of directors of both FFKY and CBIN will recommend the approval and adoption of the Agreement and the Share Exchange contemplated thereby, and will solicit proxies voting in favor of the Agreement from their respective shareholders. FFKY has also agreed not to (i) solicit proposals relating to alternative business combination transactions or (ii) subject to certain exceptions, enter into discussions or negotiations or provide confidential information in connection with any proposals for alternative business combination transactions.

 

The Agreement provides certain termination rights for both FFKY and CBIN, and further provides that upon termination of the Agreement (a) by CBIN if FFKY enters into an agreement for a different business combination, FFKY would be obligated to pay to CBIN a termination fee of $1,500,000 and (b) by FFKY if CBIN fails to meet certain regulatory capital requirements, CBIN would be obligated to pay FFKY a termination fee of $500,000.

 

The Agreement has been approved by the board of directors of FFKY and CBIN at meetings. The consummation of the Share Exchange is subject to various conditions, including (i) receipt of the requisite approval of the shareholders of FFKY and of CBIN, (ii) receipt of regulatory approvals, (iii) absence of any law or order prohibiting the closing, and (iv) effectiveness of the registration statement to be filed by CBIN with the Securities and Exchange Commission (the “SEC”) with respect to CBIN’s common stock to be issued in the Share Exchange. In addition, each party’s obligation to consummate the Share Exchange is subject to certain other conditions, including the accuracy of the representations and warranties of the other party and compliance of the other party with its covenants in all material respects. The parties anticipate completing the Share Exchange in the late third or fourth quarter of 2014.

 

2
 

  

The Share Exchange is expected be submitted for approval by FFKY shareholders at a special meeting of shareholders to be scheduled for a date in the third or fourth quarter of 2014. The Share Exchange will NOT be on the agenda for the annual meeting of FFKY shareholders to be held on May 21, 2014.

 

The parties have made representations and warranties to each other as of specific dates in the Agreement. Except for its status as a contractual document that establishes and governs the legal relations among the parties with respect to the Share Exchange described therein, the Agreement is not intended to be a source of factual, business or operational information about the parties. The representations and warranties contained in the Agreement (a) were made only for purposes of that agreement and as of specific dates, (b) may be subject to a contractual standard of materiality different from what a shareholder might view as material, (c) may have been used for purposes of allocating risk between the respective parties rather than establishing matters as facts, (d) may have been qualified by certain disclosures not reflected in the Agreement that were made to the other party in connection with the negotiation of the Agreement and (e) generally were solely for the benefit of the parties to that Agreement. Shareholders should read the Agreement together with the other information concerning FFKY and CBIN that is publicly filed in reports and statements with the SEC.

 

The foregoing description of the Agreement and the related affiliate agreements is not complete and is qualified in its entirety by reference to the full text of those agreements, which have been filed as Exhibits 2.1and 10.1 to the Current Report on 8-K filed on April 22, 2014 by CBIN and are incorporated into this report by reference.

 

The joint press release issued by FFKY and CBIN on April 22, 2014 has been attached as Exhibit 99.1to the Current Report on 8-K filed on April 22, 2014 by CBIN and is incorporated into this report by reference.

 

Common Stock Offering – Private Placement

 

In its Current Report on 8-K, dated April 22, 2014, CBIN stated that in order to enhance CBIN’s capital position in connection with the Share Exchange, immediately prior to the execution of the Agreement, CBIN entered into various binding subscription agreements for the sale of approximately $25 million of CBIN’s common stock contingent upon (and received in connection with) the consummation of the Share Exchange. For further information, please refer the Current Report on 8-K filed on April 22, 2014 by CBIN and the form of the subscription agreement filed as Exhibit 10.2 to that report.

 

Additional Information for Shareholders

 

CBIN has stated in its Current Report on 8-K filed April 22, 2014 that CBIN intends to file a registration statement on Form S-4 with the SEC to register CBIN’s shares that will be issued to FFKY’s shareholders in connection with the transaction. The registration statement will include a joint proxy statement/prospectus that will be distributed to shareholders of both CBIN and FFKY and other relevant materials in connection with the proposed share exchange transaction involving FFKY and CBIN. Investors and security holders are urged to read the registration statement and joint proxy/prospectus when it becomes available (and any other documents filed with the SEC in connection with the transaction or incorporated by reference into the joint proxy/prospectus) because such documents will contain important information regarding the proposed share exchange. Investors and security holders may obtain free copies of these documents and other documents filed with the SEC on the SEC’s website at http://www.sec.gov. Investors and security holders may also obtain free copies of the documents filed with the SEC by FFKY at FFKY’s website at http://www.ffsbky.com or by contacting Frank Perez by telephone at (270) 765-2131.

 

FFKY, CBIN and their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from shareholders of FFKY and from shareholders of CBIN in connection with the Share Exchange. Information about the directors and executive officers of FFKY is set forth in the proxy statement for FFKY’s 2014 annual meeting of stockholders filed with the SEC on April 21, 2014. Information about the directors and executive officers of CBIN is set forth in the proxy statement for CBIN’s 2014 annual meeting of stockholders filed with the SEC on April 4, 2014. Additional information regarding the interests of these participants and other persons who may be deemed participants in the Share Exchange may be obtained by reading the joint proxy statement/prospectus regarding the Share Exchange when it becomes available.

 

3
 

  

Forward-Looking Statements

 

Statements in this report that are not statements of historical fact are forward-looking statements. FFKY may make forward-looking statements in future filings with the Securities and Exchange Commission (“SEC”), in press releases, and in oral and written statements made by or with the approval of FFKY. Forward-looking statements include, but are not limited to: (1) projections of revenues, income or loss, earnings or loss per share, capital structure and other financial items; (2) plans and objectives of the Corporation or its management or Board of Directors; (3) statements regarding future events, actions or economic performance; and (4) statements of assumptions underlying such statements. Words such as “estimate,” “strategy,” “believes,” “anticipates,” “expects,” “intends,” “plans,” “targeted,” and similar expressions are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements. Various risks and uncertainties may cause actual results to differ materially from those indicated by our forward-looking statements. Factors that might cause such a difference include, but are not limited to, expected cost savings, synergies and other financial benefits from the proposed Share Exchange might not be realized within the expected time frames and costs or difficulties relating to integration matters might be greater than expected; the requisite shareholder and regulatory approvals for the proposed Share Exchange might not be obtained; market, economic, operational, liquidity, credit and interest rate risks associated with the FFKY’s and CBIN’s businesses, competition, government legislation and policies (including the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act and its related regulations) might affect the ability of FFKY and CBIN to execute their respective business plans (including the proposed acquisition of FFB); deviations from performance expectations related to the acquisition of FFB and the other subsidiaries, the failure of one or more of the accredited investors who have signed a subscription agreement to purchase CBIN’s common stock immediately prior to the Share Exchange; and other matters disclosed periodically in FFKY’s filings with the SEC.

 

Our forward-looking statements speak only as of the date on which they are made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances occurring after the date of any such statement except if required by law to do so.

 

 Item 9.01 Financial Statements and Exhibits.

 

(d) Exhibits

 

Exhibit No.   Description
2.1*   Agreement and Plan of Share Exchange, dated April 21, 2014, by and Community Bank Shares of Indiana, Inc. and First Financial Service Corporation
10.1*   Form of Affiliate Agreements
99.1*   Joint Press Release issued by Community Bank Shares of Indiana, Inc. and First Financial Service Corporation dated April 22, 2014
*   Incorporated by reference by the current report on 8-K filed by Community Bank Shares of Indiana, Inc. on April 22, 2014.

 

4
 

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

    FIRST FINANCIAL SERVICE CORPORATION
   
Date: April 24, 2014 By:  /s/ Gregory S. Schreacke
    Gregory S. Schreacke
President

 

5

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