Third Federal Privacy Promise.

Introduction.
Third Federal Savings and Loan Association of Cleveland (Third Federal) knows that you expect privacy and security for your personal financial information. This Privacy Promise, a required annual notice, is designed to inform you of the types of information we collect from our customers, how we use that information and the circumstances under which we will share it with third parties. This Privacy Promise also applies to ThirdFed Insurance and ThirdFed Investments, each of which is a division of ThirdFed Insurance Agency, a division of Third Federal. The term Third Federal as used in this Privacy Promise is intended to include those divisions.

We Respect Your Privacy.
Third Federal respects your privacy and is committed to treating your information responsibly. We believe many consumers appreciate receiving offers of products and services that may be useful to them. At the same time, we understand the need to safeguard sensitive information that you have provided to us. We treat our customer and our former customer information as described in this required notice.

Information Collection.
Third Federal only collects information about you that we reasonably believe will be necessary or useful in processing or administering the products and services you have requested from us, or in providing other opportunities that we think will be of interest to you.

We collect customer information from the following sources: (1) information we receive from you on applications or other forms, such as your name, address, Social Security number, assets and income, (2) information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions, debit and equity card usage, and (3) information we receive from third parties, including consumer reporting agencies, such as your credit worthiness and credit history.

Our online services use features of your Internet browser called "cookies" and "flash objects". Cookies and Flash Objects are files that are placed in your computer's browser memory or placed on your hard drive. We may use these features on our web site or online banking service to verify your identity, remember personal settings including your preferences, to offer you additional options or enhance your online experience, and to improve our products and services. We also use them for marketing site personalization, and tracking of online applications and programs. Our server recognizes and records the domain name from which visitors to our site accessed the Internet and the names of the pages visited while at our site. It does not, however, collect and store your electronic mail address or other nonpublic personal information. Finally, we also may use cookies to track the effectiveness of advertisements for Third Federal products and services, referred to as banner ads, that we may place on Third Federal and non-Third Federal web sites. Cookies used for tracking advertising effectiveness do not collect nonpublic personal or confidential information.

Information Sharing with Third Party Marketing Service Providers and Joint Marketers.
Third Federal may disclose the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing arrangements. The third party service providers who receive this information are required to use the information we share with them only to provide services to us, or as otherwise permitted by law.

Information Sharing.
Other than as described above, Third Federal does not share customer information with any affiliated or nonaffiliated third parties except as permitted by law. An example of when Third Federal may share customer information as permitted by law would be to complete a transaction you requested, such as ordering a property appraisal as a part of your loan application. Another example would be reporting your annual interest, earned or paid, to the IRS.

Maintenance of Accurate Information.
We have established procedures designed to ensure that your customer information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling toll-free at 1-877-363-8557 or by sending a written inquiry to Third Federal, c/o Customer Service Department; 7007 Broadway Ave.; Cleveland, OH 44105.

Confidentiality and Security.
We restrict access of your customer information to those associates (persons employed by Third Federal) who have a business reason for knowing such information. We educate our associates about the importance of confidentiality and privacy of customer information.

We maintain physical, electronic and procedural safeguards that comply with federal standards to protect your customer information from unauthorized access.

Notice Regarding Our Insurance Information Practices.
The information in this section applies to you if you engage in or seek to engage in an insurance transaction with Third Federal primarily for personal, household or family purposes. This section is intended to supplement, but does not replace the other information contained in this Privacy Promise.

As described more fully above, Third Federal may collect customer information about you from sources other than you in connection with your insurance transactions with Third Federal. Such information, as well as other personal or privileged information subsequently collected by Third Federal, may in certain circumstances be disclosed to third parties without your consent, although Third Federal discloses information about you to third parties only as described in this notice. For instance, we may disclose your customer information as permitted by law in order to complete a transaction you requested.

You have the right to access the customer information that Third Federal may collect about you in connection with your insurance transactions. If you believe that any of that information is in error, you have the right to request Third Federal to correct it. If you would like a more detailed notice regarding our insurance information practices and your rights relating thereto, please contact us at 1-877-652-5655.

In Summary.
We appreciate your business and want you to understand our commitment to maintaining the privacy of your customer information, as expressed in this Privacy Promise. This Privacy Promise applies only to individual consumers and not to businesses. This Privacy Promise is effective as of April 1, 2008. We reserve the right to amend the policy at any time. If you have questions, please contact Customer Service at 1-877-363-8557.

For more information about our Privacy Promise, please call:

A Message About Privacy From Our Chairman.
Our Privacy Promise, provided here, has been written to conform to requirements of the
Gramm-Leach-Bliley Bill (Privacy Act).

However, protecting your privacy has always been a part of how we do business. Our Code of Conduct, reviewed and signed by every associate every year, specifically requires us to repect and seek to protect the privacy of our customers.

Furthermore, respecting your privacy is a part of our values of love (concern for others), respect, trust and a commitment to excellence. We have always known our success depends upon your goodwill and trust in us. And, we thank you for that.

Bank Smart. Live Better. ^®

Marc A. Stefanski
Chairman & CEO

4/08 © 2008 Third Federal