Online Statements.
Electronic Delivery.
We will provide certain Account statements, change of Account terms, and other Account notices ("Online Statements") to you electronically, if you enroll in Online Statements as part of your Online Banking services. To access your Online Statements electronically, you must be enrolled in Online Banking and meet the other requirements outlined in the Home Banking Agreement. Your Consent is Required. You must consent to receiving Online Statements electronically before we can provide them to you using that method. You provide your consent for electronic delivery of these materials when you enroll in Online Statements.
Maintain a valid Email Address.
You agree to maintain a valid, active email address so we can notify you when your Online Statements are available for viewing online. You agree to notify Third Federal immediately of any change to your email address.
Withdrawal of Consent and Update of Information.
You have the right to withdraw your consent at any time to receive Online Statements electronically. To withdraw your consent or update information we need to contact you electronically, you may contact us toll-free at 1-877-487-1748, write us at Online Banking 7007 Broadway Avenue, Cleveland, Ohio 44105, send us a secure email through Online Banking, or email us at info@thirdfederal.com.
System Requirements to Access and Retain the Information.
To view your Online Statements, you must meet the equipment and software requirements outlined in the Home Banking Agreement.
Closed Accounts.
You will not be granted access to Account information through Online Banking, including Online Statements, after the Account has been closed. Your last Account statement will be mailed to the address we have on file for you.
Copy of Statement.
You may request a copy of your Account statement at a branch, call us toll-free at
 1-800-844-7333, write us at 7007 Broadway Avenue, Cleveland, Ohio 44105, send us a secure email through Online Banking, or email us at info@thirdfederal.com.
See our current fee schedule for details on applicable fees.

Rules & Regulations for Checking Accounts

Welcome to your Third Federal Checking Account. We thank you for your business and look forward to fulfilling all of your checking needs.

If at any time you have questions regarding the information presented here, please call our Customer Service line at 1-800-THIRD-FED (1-800-844-7333).

General Information.
The terms 'Third Federal,' 'Association,' 'we,' 'our,' or 'us' shall mean Third Federal Savings and Loan Association of Cleveland. The term 'Depositor' shall mean the person, persons, company, or organization in whose name the account is carried on the books of the Association. The term 'account' shall mean any interest bearing Negotiable Order of Withdrawal (N.O.W.) Checking Account offered by the Association.

Except as provided elsewhere herein, or in the signature card agreement, or in the Deposit Account Agreement, the provisions of the Uniform Commercial Code as adopted by the State of Ohio shall apply to the use of this account.

In Florida Only - Any pay-on-death designation made by the Depositor on the Account and any payments made pursuant to that designation shall be governed by Florida law including provisions regarding pay-on-death accounts.

The signing of a signature card by the Depositor shall constitute an agreement by the Depositor to the Charter and Bylaws of the Association, the Deposit Account Agreement, and to all of the rules and regulations now in effect or as hereafter amended.

The Depositor agrees to use the forms, whether written or electronic, approved by the Association. The Association reserves the right to return unpaid any other form of order or any order incompletely or defectively drawn.

All deposits and receipts are conditional until entered on the Association's records, which may, in the discretion of the Association, be in electronic form.

Deposits and Collections.
All items cashed or deposited will be handled by the Association as agent for the Depositor subject to charge back or refund if for any reason final payment is not received in a form acceptable to the Association. If claim is made with respect to any item subsequent to final payment on the grounds that such item was altered or bore a forged or unauthorized endorsement or was not otherwise properly payable, the Association may withhold the amount thereof from the account until final determination of such claim.

All deposits are received and credited by the Association subject to final collection. Deposits may not be available for immediate withdrawal. Please refer to the Association's rules governing Funds Availability, receipt of which is hereby acknowledged.

If any item credited to your Account is returned to us unpaid, at our discretion, we will resubmit the item to the bank it is drawn on in order to collect the funds. A Redeposited Item Fee will be charged to your Account, as indicated in the Association's current fee schedule.

In the event the item is again returned to us unpaid, we will charge back your Account for the item, return the check to you, and charge a Return of Deposited/Cashed Item Fee as indicated in the Association's current fee schedule. If any item deposited into your account is returned to us unpaid and an overdraft is created, or in the event that you issue a check or other order for payment or incur a charge that would overdraw your account, we may at our sole discretion elect to pay such item or charge and thereby create an overdraft in your account. We are not required to do so. You agree to immediately deposit sufficient funds in your account to cover the amount of any such overdraft.

Remotely Created Checks.
In the event that Depositor deposits a remotely created check (as defined in 12 CFR 229.2(fff)) to an account at Third Federal, Depositor represents and warrants to Third Federal that said check was duly authorized by the person(s) on whose account the check is drawn and that the payee shown on the check, the amount of the check and the date of the check were all authorized by such person(s). In the event that such warranty is breached, we shall charge back the amount of said check to Depositor's Account and may return such check to Depositor by ordinary mail at Depositor's own risk.

Signatures and Authorizations.
Any person whose signature appears on the signature card for your Account is authorized to transact any business with respect to your Account.

Except for remotely created checks as defined in 12 CFR 229.2(fff), if you voluntarily give information about your Account (such as our routing number and your Account number) to a party that is seeking to sell you goods or services, any debit to your Account initiated by the party to whom you gave your information is deemed authorized.

Deposits at Night Depositories.
Deposits made in night depositories and other receptacles shall be at the Depositor's sole risk until entered on the books of the Association. Depositor agrees to accept as final and conclusive the records of the Association, both written and electronic, as to what amounts were in any deposit envelope when opened by the Association.

Endorsements and Missing Endorsements.
Depositor hereby agrees not to obscure or infringe upon the areas on the back of checks reserved for the Bank of first deposit. If Depositor does obscure or infringe upon those areas causing a delay in the return or processing of any checks, Depositor will assume any and all liability for any loss, claim, or damage sustained by the Association as a result of the delay.

Depositor authorizes the Association to accept checks and other instruments for credit to the account, whether payable to one or more parties, and to supply any needed endorsement.

Liability.
The Depositor agrees that, in performing its duties stated herein, the Association shall be liable only if it is grossly negligent in performing those duties and, in no event, shall the Association be liable for any consequential, indirect, or special damages.

The Association hereby advises the Depositor that due to the large volume of checks it handles every day, the Association may not check the maker and/or endorser signatures, dates, or alterations thereon and Depositor hereby agrees that the Association shall have exercised ordinary care in so doing pertaining to the handling of the Depositor's checks.

Conditional, Postdated and Staledated Checks.
Depositor agrees not to issue conditional and/or postdated checks. The Association shall not be liable for charging Depositor's account for postdated checks paid before due date or for charging Depositor's account with checks bearing conditional terms or endorsements. The Association shall also not be responsible for the nonpayment of checks due to insufficient funds resulting from payment of conditional or postdated checks. We reserve the right to pay or dishonor a check more than 6 months old without prior notice.

Payment of Checks or Orders of Withdrawal.
Depositor agrees that, in paying checks or similar orders of withdrawal on Depositor's account, the Association may pay all such items presented for payment in any order it chooses.

Stop Payments.
At the risk and request of the Depositor, the Association will, without responsibility on its part so far as it may lawfully limit its liability, accept stop payment orders on this account. The Association will charge the Depositor in connection with such stop payment orders in accordance with its current fee schedule.

All stop payment orders must contain a complete description of the check, including the name of the drawer, the account number on which the check is drawn, the check number, the exact amount of the check, the date of the check, and the name of the payee.

A stop payment order will not be effective if received after the check is paid or if payment occurs within the time frame for processing the stop payment order. When receiving a stop payment order, the Association may require the Depositor to agree to additional terms or conditions.

Examination of Monthly Statement.
Statements will be mailed at the Association's convenience to the address we have for the account on our records, unless the Depositor has provided us with another address in writing. If any statement is returned because of an incorrect or outdated address, we may stop sending statements to the Depositor.

It is the Depositor's duty to exercise reasonable care and promptness in examining the statement for errors. Time is of the essence.

Failure to discover and report errors, regarding items paid, to the Association within thirty (30) days from the date the statement is made available to the Depositor, shall preclude any claim for losses the Depositor sustains resulting from such failure.

Fees and Service Charges.
The Depositor is subject to certain charges in connection with the account. A schedule of such charges shall be supplied to the Depositor by the Association when the account is opened, receipt of which is hereby acknowledged. Such charges may be changed from time to time by the Association. The Association agrees to supply the Depositor with a revised schedule of charges if any change is made.

Fees and service charges may be deducted from the account, and the Association shall not be liable for dishonoring checks because of such fees and service charges.

The Depositor agrees to pay all charges for checks and other services as they appear on the then current schedule made available by the Association and further agrees that the Association may charge the account for these charges.

Suspension and Termination.
The Association reserves the right to suspend payments of deposits from the account when affected by legal process served on the Association.

The Association also reserves the right at any time, with or without notice, to terminate the deposit relationship and close the account. Termination of the deposit relationship discharges the Association from any and all duties and obligations to thereafter honor Depositor's checks or to reopen or credit Depositor's account with deposits made after termination.

Right to Setoff.
The Association may secure the repayment of any indebtedness (except for indebtedness arising from a consumer credit card transaction), whether direct or indirect, owed the Association by any Depositor by deducting those amounts from any accounts the Depositor has with the Association.

The Association, in receiving checks and other items for deposit and credit to the account, acts only as collecting agent for the Depositor and assumes no liability beyond the exercise of ordinary care. Items, including those drawn on the Association, will be cashed, accepted, and credited provisionally, and if not found good, may be charged back to the account or the amount thereof can be recovered from the Depositor at any time. The Association may return unpaid items to the Depositor by ordinary mail at the Depositor's own risk.

Account Statements - Check Images.
The Association will not return original canceled or imaged checks written on your Account. Your Account statement will provide information as to the date, check number, and dollar amount of such check. The Association will maintain imaged copies of all canceled checks as long as it is required to do so by law and will dispose of these copies in accordance with our Record Retention Schedule. If you request copies of checks, the first 10 (ten) copies requested in a calendar year will be provided free of charge. Thereafter, a fee will be charged for each copy in accordance with our current fee schedule.

Check Writing.
You agree to write checks drawn on your Account in legible permanent black or blue ink. If you write a check using pencil, red ink or gel pens, you agree to hold us harmless if a legible copy of the canceled check cannot be produced.

Cashing Checks Drawn on a Depositor's Account for Non-Customers
From time to time, a person who is not a customer of the Association may attempt to cash a check drawn on a Depositor's Account by presenting the check in-person on the Association's Premises. Cashing a check for a non-customer exposes the Association to certain risks that are not present if the check is deposited at another financial institution and presented to the Association through the check collection process.

Therefore, in an effort to prevent fraud and identity theft, the Association may refuse to cash checks for non-customers. However, if the Association agrees to do so the following conditions shall apply:

The Association must positively identify the non-customer and will request at least two forms of identification. Additionally, the Association may attempt to contact the Depositor by phone to confirm the identity of the non-customer and verify the Depositor's signature on the check.

The Depositor understands that the Association may charge a non-customer a fee to cash a check (including a payroll check) that is drawn against the Depositor's Account. Further, the customer waives any claim for wrongful dishonor where the Association in good faith refused to cash a check for a non-customer physically present on the Association's premises, where the Association had reasonable doubts as to the validity of the check.

Seven-Day Notice.
Under Federal Regulations which authorize this interest bearing checking account, the Association is required to reserve the right to require at least seven (7) days' notice prior to withdrawal or transfer of any funds from this interest bearing checking account. If the Association determines to exercise this right, it will do so on a seven-day basis, and the Depositor's request for withdrawal or transfer of funds will constitute commencement of the notification period.

Earnings and Distributions.
Interest is compounded and distributed at such rates and times as determined by the Board of Directors from time to time.

A minimum daily balance must be maintained in the account in order to earn interest. For each day the account balance is less than the minimum balance, the account shall earn no interest. When the account balance is increased to the minimum balance or more, interest will again begin to accrue.

We reserve the right to change the minimum balance required in order to earn interest.

Amendments to Rules & Regulations.
This account is governed by these Rules and Regulations. The Rules and Regulations may be revised or amended by the Association at any time, and the Association shall give notice of such changes by (1) mailing a notice to you at the most recent address shown on our records; (2) posting a notice of such amendment in each of our offices; (3) posting a notice of such amendment on our website; or (4) making a copy of the amendment available in each of our offices.

Records.
The Association will maintain records of the account as long as it is required to do so by law and will dispose of these records in accordance with the Record Retention Schedule established by the Association.

12-10

Understanding Your Deposit Account

Truth in Savings
Electronic Transfers
Funds Availability

Truth in Savings Disclosure of Account Terms.

These requirements are part of the deposit contract and are in addition to the rules and regulations governing deposit accounts, as amended from time to time. See Fee Schedule for a list of current fees and see Rate Sheet for a list of current rates.

Section I

General Information.
The following information applies to all accounts:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest begins to accrue on the business day you deposit cash and noncash items (for example, checks).

General Information for Certificates of Deposit.
The following information applies to all Certificate of Deposit accounts described herein:

Renewal Information - The account will automatically renew on the initial maturity date or on the maturity date of any renewal term at the rate of interest then in effect for that term and class of account unless (1) it is withdrawn during the grace period or (2) we notify you prior to maturity that the account will not be renewed. If we do not renew the account, upon maturity the account will be converted to a savings account and receive interest at the rate then paid on the lowest interest bearing savings account available.

CD Special/Retirement CD Special - Certificates of Deposit with a special rate will automatically renew on the initial maturity date at the interest rate in effect for a Certificate of Deposit of the same term.

Grace Period - You will have seven (7) calendar days after the maturity date to withdraw funds without penalty. During the grace period, the account will earn interest at the renewal rate then in effect for the account.

Penalty for Early Withdrawal - If you withdraw any of the principal before the maturity date, you will be charged a penalty. The penalty on the amount withdrawn will be a loss of interest, whether earned or not, as follows:

For accounts with a term of:
91 days or less.....................................loss of 1 month's interest
92 days through 1 year........................loss of 3 months' interest
More than 1 year, less than 3 years....loss of 6 months' interest
At least 3 years, less than 4 years.......loss of 12 months' interest
4 years or more....................................loss of 18 months' interest

The penalty will be figured on the amount withdrawn at the simple interest rate being paid on the account and will be deducted from the account balance or the amount withdrawn.

You will also be charged a penalty on the entire account balance if the account drops below the minimum balance requirement, or if you change the term or rate of interest on the account prior to any maturity date. If the account balance drops below the minimum balance requirement, the interest rate on the remaining balance will be reduced to the rate then paid on the lowest interest bearing savings account available. No interest will be earned if the balance drops below $50.

Interest credited to the account may be withdrawn without penalty only during the term in which it is earned.

You will not be charged a penalty for a withdrawal following the death or adjudication of incompetence of any accountholder. With respect to IRA/ROTH/SEP/KEOGH Certificate of Deposit Accounts see Section V for other situations where a penalty for early withdrawal will not be charged.

Section II

Passbook Savings.
You must deposit $10 to open this account.

You must maintain a minimum closing balance of $50 in the account each day to receive the disclosed annual percentage yield. You will not earn interest for any day your balance drops below $50.

Interest will be compounded quarterly and credited to your account quarterly.

This is a variable rate account. We may change, without notice to you, the interest rate and annual percentage yield on your account at any time.

We reserve the right to require at least seven (7) days' notice prior to withdrawal or transfer of any funds from the account.

Section III

High Yield Savings and Retirement High Yield Savings.
You must deposit $10 to open this account.

You must maintain a minimum closing daily balance of $50 in the account to receive the disclosed annual percentage yield for Tier 1; or a minimum closing daily balance of $5,000 in the account to receive the disclosed annual percentage yield for Tier 2; or a minimum closing daily balance of $25,000 in the account to receive the disclosed annual percentage yield for Tier 3. You will not earn interest for any day your closing daily balance is less than $50.

Interest will be compounded monthly and credited to your account monthly.

This is a variable rate account. We may change, without notice to you, the interest rate and annual percentage yield on your account at any time.

We reserve the right to require at least seven (7) days' notice prior to withdrawal or transfer of any funds from the account. Your checking account is an interest-bearing Negotiable Order of Withdrawal account.

Section IV

Online Savings Plus.

This is an online statement savings account. You must open this account online. You must open this account with a minimum deposit of $5,000.

You must maintain a minimum closing daily balance of $5,000 in the account to receive the disclosed annual percentage yield. You will not earn interest for any day your closing daily balance is less than $5,000.

Interest will be compounded monthly and credited to your account monthly. This is a variable rate account. We may change, without notice to you, the interest rate and annual percentage yield on your account at any time.

We reserve the right to require at least (7) days’ notice prior to withdrawal or transfer of any funds from the account. Your Online Savings Plus account is an interest bearing Negotiable Order of Withdrawal account.

Section V

High Yield Checking.
You must deposit $10 to open this account.

You must maintain a minimum closing daily balance of $1,500 in the account to receive the disclosed annual percentage yield for Tier 1; or a minimum closing daily balance of $5,000 in the account to receive the disclosed annual percentage yield for Tier 2. You will not earn interest for any day your closing daily balance is less than $1,500.

Interest will be compounded monthly and credited to your account monthly.

This is a variable rate account. We may change, without notice to you, the interest rate and annual percentage yield on your account at any time.

A monthly service charge will be imposed if the average daily balance during the statement cycle is less than $1,500. The average daily balance is calculated by adding the full amount of the closing principal in the account for each day of the period and dividing that figure by the number of days in the period. See Fee Schedule for Monthly Service Charge. The monthly service charge will be waived if you maintain a $1,500 aggregate balance in this account, any checking, savings and/or Certificate of Deposit accounts that you have with us.

The Association will not return original canceled or imaged checks written on your Account. Your account statement will provide information as to the date, check number, and dollar amount of such checks. You may request a copy of any canceled check. The first 10 (ten) copies of checks requested in a calendar year will be provided free of charge. Thereafter, a fee will be charged for each copy in accordance with our current fee schedule.

We reserve the right to require at least seven (7) days' notice prior to withdrawal or transfer of any funds from the account. Your checking account is an interest-bearing Negotiable Order of Withdrawal account.

Section VI

30-Day to 10-Year Certificate of Deposit.
You must deposit $500 to open this account.

You must maintain a minimum closing balance of $500 in the account each day to receive the disclosed annual percentage yield.

If the term of your account is 179 days or less, interest will not compound and will be credited to your account at maturity; however, other options are available.

If the term of your account is 180 days or more, interest will be compounded quarterly and credited to your account quarterly and at maturity; however, other options are available.

For accounts with terms of 365 days or less, you may elect to have interest credited only at maturity. If you so elect, interest will not compound and will be credited to your account at maturity.

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Additional deposits are not permitted on accounts with a term of less than one year. For accounts with a term of one year or more, additional deposits of $500 or more may be permitted from time to time, but only if we consent to it. Additional deposits will not extend the maturity date of the account.

Section VII

1- to 10-year Retirement Certificate of Deposit (IRA/ROTH/SEP/KEOGH).
This account consists of funds deposited to the credit of, or in which the entire beneficial interest is held by the accountholder pursuant to an IRA Agreement or Keogh Plan.

You must deposit $100 to open this account.

You must maintain a minimum closing balance of $100 in the account each day to receive the disclosed annual percentage yield.

Interest will be compounded quarterly and credited to your account quarterly and at maturity; however, other options are available. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Interest credited to the account may be withdrawn without incurring a penalty to us only during the term in which it is earned. However, such withdrawal of interest may result in adverse tax consequences under IRS rules.

Additional deposits of $100 or more may be permitted from time to time, but only if we consent to it. Additional deposits will not extend the maturity date of the account.

You will not be charged a penalty for early withdrawal in the following cases:

No penalty will be charged and no interest will be paid if you withdraw your Individual Retirement Account (IRA) within 7 days after you are given the IRA disclosure statement. We will provide you with the IRA disclosure statement at the time you establish your IRA plan with us.

Funds Availability Disclosure
Your Ability to Withdraw Certain Funds.
This section applies to the following types of accounts: checking accounts and statement savings accounts. Our policy is to delay the availability of certain funds that you deposit in your account. During the delay, you may not withdraw the funds and we may not use the funds to pay checks that you have written.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make the funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining the Availability of a Deposit.
The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturday, Sunday and any federal holiday. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a Saturday, Sunday or a federal holiday or on day we are not open; or if you make a deposit at our night depository after 4:00 p.m. on a business day that we are open, we will consider that the deposit was made on the next business day we are open.

The length of the delay varies depending upon the type of deposit and is explained below.

Same-Day Availability.
Funds from electronic direct deposits and cash deposits to your account will be available on the day we receive the deposit.

Funds from the following deposits are available on the day we receive the deposit:

• U.S. Treasury checks that are payable to you
• Wire transfers
• State and local government checks that are payable to you
• Cashier's, certified, and teller's checks that are payable to you
• Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you

Check Deposits - The first $200 from the total amount of check(s) deposited, including "payable through" checks, will be available on the same day of your deposit. The remaining funds will be available on the 2nd business day after the day of your deposit.

For example, if you deposit a check of $700 on a Monday, $200 of the deposit is available on Monday. The remaining $500 is available on Wednesday.

Longer Delays May Apply.
Funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the 7th business day after the day of your deposit and in certain cases, they may be held longer.

Special Rules for New Customers.
If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits and cash deposits to your account will be available on the day we receive the deposit.

Funds from wire transfers into your account will be available on the 1st business day after the day we receive the transfer.

The first $5,000 from a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the 1st business day after the day of your deposit if they are made payable to you and deposited in an account in your name. The excess over $5,000 will be available on the 9th business day after the day of your deposit.

Funds from all other check deposits will be available on the 10th business day after the day of your deposit.

Electronic Fund Transfers Disclosure.

This notice, which is required by Federal Law, describes your rights and responsibilities as a consumer who uses Electronic Fund Transfer services.

Electronic Fund Transfers include all preauthorized debit and credit transfers and telephone transfers.

Types of Available Transfers:
Preauthorized debit transfers are available in connection with our checking accounts and statement savings account.

Our preauthorized debit service allows you to authorize companies or others whom you designate to automatically collect payments owed to them by you from your account at Third Federal in the amounts and on the days that you request.

Preauthorized credit transfers (direct deposits) are available through our checking accounts, statement savings account, and passbook savings account.

Our preauthorized credit service allows you to have recurring deposits, such as Social Security or payroll deposits, credited directly to your account at Third Federal.

Telephone transfers are available through our checking accounts, statement savings account, passbook savings account, and certificate of deposit account.

Our telephone banking service allows you to direct us to withdraw funds from your account in accordance with the terms and conditions contained in our Deposit Account Agreement.

Electronic banking transfers are available in connection with our checking accounts and statement savings account in accordance with the Home Banking Agreement.

Our Online Banking service allows you to direct us to withdraw funds from your account in accordance with the Home Banking Agreement.

We may accept electronic fund transfers that you originate, but for which we had not previously agreed to honor, such as accepting a truncated check or other electronic transfer which you authorized for the purpose of debiting your account.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: Pay for purchases and/or Pay bills.

Limitations on Transfers.
Certain limits exist on the number of transfers you can make from your account. The limitations are as follows:

• You may make unlimited transfers from your checking account or statement savings account.
• You may not make preauthorized debits, including telephone transfers, from your passbook savings accounts or passbook certificate of deposit accounts.

Documentation of Transfers.
You will receive a monthly statement on your checking account or statement savings account if any transfers or other transactions were made to your account since your last statement. Regardless if there are any transfers in your account, you will recieve a statement at least quarterly.

You will be mailed a receipt each time you use our telephone banking service.

If you bring your passbook to one of our offices, we will record in it all transactions made to your account since the last time your passbook was updated.

If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at 1-800-THIRD-FED (1-800-844-7333) to find out whether or not the deposit has been made.

If you have arranged to have online banking services, you may review your account balances and a listing of your most recent transactions online through our Online Banking website at www.thirdfederal.com.

Preauthorized Transfers.
Right to Stop Payment. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. To do so, call us at 1-800-THIRD-FED (1-800-844-7333) or write us at: Third Federal Deposit Operations, 7007 Broadway Avenue, Cleveland, Ohio, 44105. We must receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to submit your request in writing or electronically and get it to us within 14 days after you call. We will charge you a fee for each stop payment order you give. The fee is disclosed in the Fee Schedule and may be amended from time to time. When receiving a stop payment order, we may require you to agree to additional terms and conditions.

Our Obligation for Failure to Stop Payment. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be unless you allow the person you are going to pay to tell you only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

Your Liability.
If your statement or receipt shows transfers that you did not make, tell us at once. Telephoning is the best way of keeping your possible losses down. If you do not tell us within 60 days after the statement or receipt was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Notification of Unauthorized Transfer.
Call us at once if you believe someone has transferred or may transfer money from your account without your permission or if any check, information from your check, passbook, password, or personal identification number has been lost or stolen. The number to call is 1-800-THIRD-FED (1-800-844-7333). You may also write us at Third Federal Deposit Operations, 7007 Broadway Avenue, Cleveland, Ohio, 44105, or tell us electronically via our Online Banking website at www.thirdfederal.com.

Our business days are Monday through Thursday, 9 a.m. to 4 p.m.; Friday, 9 a.m. to 6 p.m.; and Saturday, 9 a.m. to 1 p.m., excluding holidays. If you utilize Online Banking services, our facilities are operational 24 hours a day, 7 days a week, except during short periods of time for maintenance.

In Case of Errors or Questions About Your Electronic Transfers.
Telephone us at 1-800-THIRD-FED (1-800-844-7333), write us at: Third Federal Deposit Operations, 7007 Broadway Avenue, Cleveland, Ohio, 44105, or, if you use Online Banking services, submit an e-mail through our website at www.thirdfederal.com, as soon as you can, if you think your statement, receipt, or passbook is wrong or if you need more information about a transfer appearing on your statement, receipt or in your passbook. We must hear from you no later than 60 days after we sent you the FIRST statement or receipt, or within 60 days after the entry was posted to your account on which the problem or error appeared.

• Tell us your name and account number.
• Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you submit to us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Our Obligation for Failure to Make Transfers.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instances:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• The automated teller machine where you are making the transfer does not have enough cash.
• The terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire, flood or system failure) prevent the transfer or deposit despite reasonable precautions that we have taken.
• There may be other exceptions stated in our agreement with you.

Service Charges for Electronic Fund Transfers.
These services are provided to you at no charge, other than our fee for stop payment orders as described earlier. We will notify you in advance in the event we do begin charging a fee for this service.

Disclosure of Account Information.
We will disclose information to third parties about your account or the transfer you make:

• Where it is necessary for completing such transfers;
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
• In order to comply with government agency or court orders;
• Where it is necessary for legal, collection, accounting or auditing purposes;
• If you give us your written permission.

UYDA-11/12

Deposit Fee Schedule Effective August 1, 2012 (All fees and service charges are subject to change)

CHECKING & SAVINGS & CERTIFICATE OF DEPOSIT ACCOUNTS

1.	Return Check Charge ("NSF") (per check)	$30.00
2.	Return Charge ("RET CHG") ("NSF") (per ACH Debit)	30.00
3.	Stop Payment Fee (per check or ACH Debit)	30.00
4.	Dormant Service Charge – Monthly service charge will be charged if account balance is less than $100 and there has been no activity for 24 consecutive months	5.00
5.	Redeposited Item Fee (per check)	8.00
6.	Return of Deposited/Cashed Item Fee (per check)	10.00
7.	Cancelled Check Copy Fee – Copies of In Bank Presentment checks and Imaged checks, first 10 copies per calendar year are free. Thereafter, per copy charge is	5.00
8.	Copy of Monthly Statement Fee (per stmt.)	5.00
9.	History Statement Fee (per page)	5.00
10.	Research Fee (per check)	5.00
11.	Interest Checking – Monthly Service Charge No longer available – fee applies to existing accounts. Will be charged if account balance is less than $1,500 any day of the month. Fee will be waived if account holder maintains a $1,500 aggregate balance in checking, savings and/or certificate accounts	5.00
12.	High Yield Checking – Monthly Service Charge Will be charged if average daily balance during the statement cycle is less than $1,500. Fee will be waived if account holder maintains a $1,500 aggregate balance in checking, savings and/or certificate accounts	5.00

13.	Check/Deposit Order Printing                  Fee depends on style ordered

HOME BANKING (External Funds Transfer via Online Banking)

1.	Standard (Three Day) Funds "TRANSFER FEE" (inbound or outbound)	$0.00
2.	Premium (Next Day) Funds "TRANSFER FEE" (inbound or outbound)	$6.00
	(This amount will be deducted from the account from which you requested the transfer)

DEBIT CARD

1.	ATM Service Charge. Will be charged for each ATM withdrawal after the 4th ATM withdrawal you make during each statement cycle at an ATM terminal for each account	$1.50
2.	Replacement Debit Card Fee	5.00
3.	Foreign Transaction Fee. MasterCard® imposes fees if you use your card in a foreign country, including transactions you initiate in the U.S. with an entity located in a foreign country. The fee is a cross-border assessment and currency conversion fee. On foreign transactions in the foreign currency, the fee is 1% of the transaction amount. On foreign transactions in U.S. Dollars, the fee is 0.8 of 1% of the transaction amount. Transactions include without limitation cash advances, ATM withdrawals, and purchases of goods and services. Third Federal collects this fee for and forwards it to MasterCard. Third Federal does not retain any portion of this fee for Third Federal's benefit.

MISCELLANEOUS CHARGES

1.	Each money order or official check (Money orders available in Ohio only)	$5.00
2.	Each outgoing wire transfer within the United States	25.00
3.	Each incoming wire transfer (Into deposit accounts only)	15.00
4.	Any photocopy(per page)	1.00
5.	Stop payment order on an official check/money order	30.00
6.	Minimum hourly fee for research	25.00
	Each quarterly hour thereafter	6.25
7.	Levy/Garnishment Processing	75.00
8.	Child Support Processing (per payment)	5.00
9.	Telephone Payment Authorization Fee	15.00

Additional Service Charges/Fees May Be Assessed Depending Upon the Service Requested

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Privacy Policy

Rev. 12/2013
FACTS	WHAT DOES THIRD FEDERAL SAVINGS AND LOAN DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number Account balances Payment history Transaction history Account transactions Mortgage rates and payments When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Third Federal Savings and Loan chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Third Federal Savings and Loan share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call toll-free 800-844-7333 or go to www.thirdfederal.com

Who We Are
Who is providing this notice?	Third Federal Savings and Loan means the following institutions: Third Federal Savings and Loan Association of Cleveland, ThirdFed Investments, and ThirdFed Insurance.

What We Do
How does Third Federal Savings and Loan protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Third Federal Savings and Loan collect my personal information?	We collect your personal information, for example, when you Open an account Deposit money Apply for a loan Give us your contact information Provide your mortgage information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes - information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Third Federal Savings and Loan does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Third Federal Savings and Loan does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Third Federal Savings and Loan does not jointly market.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization. Special Notice For Nevada Customers. (Nevada law requires that we provide you with the following contact information) Third Federal Savings                                          Bureau of Consumer Protection 7007 Broadway Avenue                                       Office of the Nevada Attorney General Cleveland, OH 44105                                           555 E. Washington Street, Suite 3900                                                                              Las Vegas, Nevada 89101                                                                              Phone: (702) 486-3132                                                                              Email: BCPINFO@ag.state.nv.us

Privacy Model Disclosure PRIV-MODEL 8/1/2010VMP® Bankers Systems™ Wolters Kluwer Financial Services © 2010 2010.3/2912 2651066-010 EPRV2912

 

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