Third Federal

February, 2013

What a great end to 2012 and beginning of 2013! In my year-end message to Third Federal associates, we celebrated the fantastic news that the MOU had been lifted on the Thrift. That was a day we had all been waiting for, and a great first step after all of the regulatory changes we’ve been through in the last two years.

Also, our first quarter earnings were strong, the economy is finally showing signs of recovery and growth, and we’re celebrating our 75th anniversary! I’m optimistic about this year and all it has to offer.

We have money to lend and we continue to expand our first mortgages into new markets. There are millions of homeowners throughout the country who still have the opportunity to refinance.

And through our Foundation, in both Ohio and Florida, we continue to reach out and help in the communities where we are needed most.

With all of the positives, I hope that you share in my optimism for the year. The commitment to our mission and our values still drive us do our best for our company and our customers, just as much as they did in 1938.

Bank Smart. Live Better.


Chairman and CEO
Third Federal Savings

Third Federal