Message from Marc

June 2017

Since 1938, customers have trusted and supported Third Federal.

If you are a current Third Federal depositor or a borrower as of January 17, 1996 with a loan that is still active, you are a voting member of our MHC. Thank you for your business and continued confidence in us.

Every year, we ask you to vote FOR a proposal for our Mutual Holding Company (MHC) to waive its receipt of cash dividends during the year. Because we are required by regulators to solicit your vote annually, we are asking you once again to vote FOR the waiver in 2017.

We need a majority of the eligible votes of our members to approve the dividend waiver, so we truly need your vote. If you do not cast a vote on the dividend waiver proposal, it will have the same effect as a no vote.

For more than 75 years we’ve remained focused on our mission to help people achieve the dream of homeownership and financial security, while creating value for our customers, our communities, our associates, and ourstockholders.

Thanks once again for the opportunity to serve you. If you'd like more information, or instructions on how to vote, click here.

Bank Smart. Live Better.

Marc A. Stefanski
Chairman and CEO