Message from Marc

February 2015

It might be the middle of winter in Cleveland, Ohio, but it’s all Sunshine and Blue Skies here at Third Federal.

We continue to focus on our three-dimensional approach of adding value for our shareholders by growing our balance sheet, repurchasing stock and paying dividends.

On the heels of our strongest year since we went public in 2007, our earnings last quarter remained steady as we grew by more than a quarter billion dollars, adding many new customers from the 22 states we now serve. Our customers are always our top priority, and we’re excited to continue to expand our product options to meet their financing needs.

Third Federal is only as strong as the communities we serve, and that’s why we continue to support them in a variety of ways. During the holidays, we opened the doors of our corporate campus to serve a Christmas Eve meal to those in need. This winter, we are partnering with several community organizations to hold an Earned Income Tax Credit event where city residents who qualify can have their taxes prepared for free while taking advantage of a number of other free financial services. We’re also hosting a free homebuyer workshop to educate potential new homebuyers, while advancing our mission to “help people achieve the dream of home ownership and financial security.”

The beginning of any year makes me pause to reflect on what we’ve accomplished and what lies ahead. I am proud of what we do every day at Third Federal, and am excited to continue to make a difference in 2015 and beyond for our customers, communities, associates and shareholders.

Here’s to a great 2015.

Feel the Warmth.

Marc. A Stefanski
Chairman and CEO