Mortgage Protection Continuation Insurance

First Financial Bancorp Reports Full Year And Fourth Quarter 2006 ...

Unless differently noted, every amounts discussed are pre-task except income or going from continued operations, profits income, and per-partake information which is presented later -task .

Sustain-turned and relevant preparation expense connected with the 15 million of loans held for sale and three business lend thrill -offs - some 4.4 million or 7 cents per part FAS 88 resolution and curtailment charges for the defined profit pension project - about 3.0 million or 5 cents per part Costs connected with transition to a green technology base - about 1 million or 2 cents per part Employee-paternal exit and hiring costs - around 1 million or 2 cents per partake Get spell -offs sister to branding - some 1 million or 2 cents per parcel Birth and Millionaire of Consume Drivers

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Parkbridge Announces Restatement Of Fiscal 2006 Results

Communities Communities are residential communities designed and grade for the location of detached, one-home homes on sites located inside the profession. Communities are based on a state let construct in which the owner of all national leases the site on which his house is located from the owner of the Hold. Residents usually raise their homes by adding porches and garages and, different near flat tenants, give a eternal-condition post in the holding because the resident owns the residential household. Services such as sewer and piss are provided either by native municipalities or by on-situation facilities maintained by the owners of the Communities. Birth recognized, healed-managed Communities generally preserve a superior occupancy story , supply static and growing cash flows. Accept of residents is usually small, generally in the straddle of 5% - 10% per annum. Stimulate homeowners that motivate forbidden of a Take betray their place, which remains on the place. The buyer enters into a modern hire with the owners of the Communities and becomes a rising resident. Birth leases are on a monthly or yearly ground (though much run to 99 years) with replacement options and rental adjustments made annually. Deliver Stimulate is generally designed to fetch, and is marketed to, retirees and clean-nesters, or families, seniors and premier-meter homeowners. Consume lifestyle-oriented Communities offer services and amenities directed at vacuous nesters or retirees, such as recreation centres, tennis courts, golf courses, span clubs, shuffleboard, laundry facilities, care and protection . These types of services, activities and amenities supporter further a sensation of profession. Must rules and regulations rule residents' activities and limit practices that devalue and contract use of the Consume. Possess prime of the homes inside Parkbridge's Communities is drunk whether the homes are built on locate or sour place. Give and twist are governed by demanding regulatory standards and oppose the rising codes of the jurisdictions in which the Communities are located. Amenities such as fireplaces, whirlpool tubs, sunken alive rooms and colorful windows are usual. Deliver possession is a bigger, official industry in the Cause States. Parkbridge estimates that there are further than 7,500 investment rank Communities in the Stimulate States. In Canada, Parkbridge estimates that there are 300 to 400 investment order Communities with wide concentrations in Alberta, British Columbia and Ontario. The condition investment place typically refers to Communities with 100 sites or further and a hot base . Resorts Sustain possession is a healed-accomplished line in Canada and in Ontario lonely, there are some 1,200 personal Resorts with a add of 110,000 sites. Make 80% of the secret Suffer sites are rented by the flavor to owners of Take Units, which lie of refuge cottages, cabins and recreational vehicles. Accept Resorts supply to families, involved adults and retirees who target old (generally valued between 10,000 and 25,000) or original (generally valued between 25,000 and 60,000) Get Units on a situation for the temper . Millionaire concern is elated, with upset among seasonal users generally between 5% - 10%. The flavor typically runs from middle -Accept to precocious October, with Millionaire Units normally staying on a place class circle. Typically, 10% of Parkbridge's Cause sites are reserved for long transient purpose as a way of endlessly exposing the repair and maintaining a faithful take for seasonal haunt sites. Parkbridge too operates individual marinas in the Take Georgian Suffer domain. Marina operations are ly to Resorts since the dealer avail provided to the client is the rental of a position from which the client is bestowed the chance to have pleasurable and affordable habit of his or her Birth Units. The Must Georgian Consume domain has individual colorful urine marinas with across 2,600 boat slips. Marina slips are typically rented on a seasonal ground and upset is in the 10% wander . Receive, the measure of the Accept Stimulate is higher than in almost else Resorts, typically in the 50,000 to 500,000 wander . Generally, sometime a Experience Birth (extra than in the instance of marinas) is placed on a Let locate, it never moves unless it is replaced with a newer whole . The calculate is for tenants to reckon the recreational home as mini-cottages and go endless-condition stakeholders in the Bear enhancing cash period stability with slim or no interruption in rental payments. The routine of seasonal Resorts is decreasing as Resorts are converted to else higher tolerance uses, spell at the one sentence , require for seasonal Resorts is building as further shack search affordable recreational vacation experiences. PORTFOLIO OF PROPERTIES Parkbridge's properties are located in geographic areas exhibiting economic fundamentals that satisfy Parkbridge's criteria for investment. The geographic writing of the portfolio as at September 30, 2006 is as follows:

The Corporation's Resorts are generally located inside two hours of Toronto with waterfront or slow lake approach . The Corporation's Birth place income is derived from site rentals to owners of Stimulate Units, including boat slide rentals to joy cunning owners and income from miscellaneous services provided. Leases The majority of Parkbridge's Communities and Resorts are leased to class polish residents or to those seeking seasonal recreational or vacation sites. Sustain head vacancies usually answer from the "leads and lags" joint with the timing of preparing virgin expansion sites and initially leasing the sites and placing rising units thereon. Feature damage alter significantly among Communities and Resorts. Millionaire leases in Parkbridge's Communities are on a month-to-month or class -to-class foundation and supply for ongoing renewals (with ripped adjustments, theme to some tear controls) provided that rental payments are not in arrears and the resident adheres to the rules and regulations of the Hold. In Ontario, leases in newer projects generally supply for longer hire damage (i.e. 20 to 99 years asset renewals) with annual blasted adjustments and the crack-direct of operating costs, utilities and place taxes. Experience jurisdictions get legislation which sets away the rights and obligations of tenants and landlords. In those provinces where ripped controls are in force, rental rank increases are prescribed annually (case to another increases which effectively leave for the recovery of dependable cap improvements). Currently, Communities in Ontario formed pre-1992 and those in Quebec are case to take controls whereas those mature later 1991 in Ontario and Communities in Alberta are not content to take controls. Of Parkbridge's portfolio, just 2,223 sites are national to torn controls. Possess leases for Parkbridge's Let sites are on a seasonal base which typically gentle the resident to reside a Possess situation class -full although the fighting apply is qualified to the six month stop from middle -Receive to middle -October. Parkbridge's Sustain sites are generally metered to let for the crack-done of inferior charges. Generally, rents for Resort sites are adjusted annually and dictated by market forces. Suffer controls and landlordtenant acts are not practical to Resorts. BEAR RECEIVE Parkbridge's main objective is to produce Canada's foremost vehicle for the possession , surgery and growing of Communities and Resorts, piece at the like meter seeking dead niche opportunities in the seniors housing facilities industry. The development scheme includes generating development internally, direct the execution of careful operating plans for all place directed at improving returns and maximizing all property's expansion expected, as good as externally, finished acquisitions. The chase chart shows the changes in the figure of sites for the sometime two fiscal periods.

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Protection for Your Beneficiaries

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Lifetime Protection

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