Message from Marc

March 2014

A few months ago, during a call with investors, I was feeling especially good about Third Federal, our recent financial performance and our future prospects. I told them that, “it’s all sunshine and blue skies!” So, here, in Cleveland, Ohio, in the middle of winter, we want to share that feeling with our customers, our associates and our stockholders.

We are in the midst of an exciting time at Third Federal, and yes, on the horizon, it looks like even more sunshine and blue skies. Despite the challenging past five years, we never wavered from our values of love, trust, respect, and a commitment to excellence and having fun.

Our business is stronger than ever, and our commitment to you, our customers, is unwavering. In the last five years alone, we have refinanced nearly 44,000 homes, saving our customers more than $454 million in interest. And, at the same time, our customers have made more than 16 million deposit transactions at our branches.

And there’s more good news. We’re expanding our mortgage lending to reach 56 percent of the US population in 17 states. These aren’t just numbers. They demonstrate the focus 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 our stockholders.

We continue to look forward, and want to make sure that you, our customer, feels our excitement today, and for what’s ahead at Third Federal.

Feel the warmth. Feel the love.

Bank Smart. Live Better.

Marc. A Stefanski
Chairman and CEO