First Federal Lakewood

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Our First 75 Years…

First Federal of Lakewood was founded in 1935 in the midst of the Great Depression and has grown, weathered numerous storms and continues to remain safe, strong and secure. Over the span of 75 years, we have witnessed numerous changes within the United States, the communities we serve and within our company. After meeting the many challenges we have faced, it is with great pride that we celebrate our 75th anniversary.

As we reflect back over these 75 years, we have grown from $50,000 in assets, a handful of employees, manual recordkeeping and one office, to $1.2 billion in assets, 220 employees, high tech electronic delivery systems, 12 full service branches and two loan production offices. Our success and longevity can be attributed to never losing sight of our guiding principles and core values that were established in 1935 and which we continue to embrace. Also, we have always placed a high value on our customers and the communities we serve.

In an era of globalization, mega sized corporations and outsourced jobs, we are committed to remaining your community bank. We pledge to you that we will continue to provide competitively priced products and quality services in a customer friendly manner.

On behalf of all the employees of First Federal of Lakewood, we would like to thank you for allowing us the opportunity to be your trusted financial partner.

It is with a great deal of pride we say…“We’ve Been Here. We’ll Be Here.”

Sincerely yours,

Ronald W. Dees Chairman of the Board

Gary R. Fix President and CEO

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1935…The Beginning Nineteen hundred and thirty-five. The “City of Homes” was in the midst of what later became known as the Great Depression.

After watching industrial output across the nation fall by half and unemployment reach 25% three years earlier, the economy had begun to stabilize and Lakewood, Ohio, was already looking ahead.

The home and family took on a greater importance for this city of 70,000 people and although there remained a financial uncertainty, life in Lakewood went on as usual.

Prices remained low and a person’s money was still good. Ten dollars worth of groceries fed a family of four for a month and a show and dinner for two cost less than five dollars. Young couples flocked to the Hilliard Square Theater to see “The Grid-Iron” starring Eddie Quillan, and families gathered around the radio in the evenings, listening to President Roosevelt’s fireside chats.

Lakewood High’s basketball team upset Shaw — 26 to 23 — for their first win at that school in ten years. The Lakewood Little Theater held its gala opening night in May, 1938 with the production of “Ladies of the Jury.” By 1939, Lakewood was already 50 years old and the city threw a grandiose Semi-Centennial Celebration complete with parades, picnics, beauty pageants, and a historical spectacle involving over 1,000 local residents.

1930 residence of Nelson Cotabish

The widespread financial crisis and faltering economy that followed the crash of 1929 saw many area banks close their doors as mortgage foreclosures increased at an alarming rate.

To counter this trend, a program of federally chartered savings & loan associations was enacted by Congress in 1932.

In Lakewood, the Midwest Savings & Loan Company was also experiencing difficulty as depositors continued to withdraw savings at a rate far greater than incoming mortgage payments.

Carl W. Schaefer, a local attorney and legal counsel for Midwest Savings, realized the great benefit and need for federally-supported deposit insurance and in 1934 applied for a charter from the Federal Home Loan Bank of Cincinnati. Early the following year, the charter was granted and Midwest’s deposit liabilities and existing mortgages were converted to the new federal institution.

On February 16, 1935, First Federal Savings & Loan Association of Lakewood was born.

Originally located on the second floor of William Daniels Funeral Home on Detroit Avenue, First Federal of Lakewood soon purchased the offices of the old Guardian Trust Company, another casualty of the depression. It was here, at 14806 Detroit Avenue and Warren Road, that the new Savings & Loan association would make its headquarters for the next 75 years.

Under the guidance of President, Nelson C. Cotabish (a former Mayor of Lakewood from 1910-1912), Carl Schaefer and a board of thirteen other local businessmen, First Federal quickly grew from assets of $50,000 to over $465,000 in just one and a half years. Mortgage loans were established at an annual rate of 6% and by 1938, first mortgages alone totaled $434,000 with another $81,000 in process.

As the decade of economic instability gave way to one of monumental world events and growth, First Federal of Lakewood also continued to grow under the two tenets of savings & loans — thrift and homeownership.

1935 Bailey’s department store

Nelson C. Cotabish

1938 streetcar on Sloane Avenue

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Carl W. Schaefer

First Federal of Lakewood is deeply appreciative of the photos furnished by Lakewood Historical Society; Lakewood Police Department; The Cleveland Press Collection, Joseph Cole; Cuyahoga County Board of Commissioners; and Dan Morgan.

1945 Lincoln School

1943 Lakewood Park

1941 Police Department

1940 Post Office

Samuel S. Dickey

David T. Hyatt

The 1940’s Any promise for a return to normalcy in the 1940’s was soon shattered by the events of December 7, 1941. While America committed itself to war in Europe, families in Lakewood and all over the country were doing their part by investing in war bonds, planting victory gardens and collecting scrap to produce more munitions. Many young women in Lakewood and surrounding communities did their own special part for the war effort by going to work at the bomber plant in Berea, earning 30-40 cents per hour.

Although housing in Lakewood had grown to over 21,500 units by 1940, the wartime economy put a hiatus on new building.

Instead, the scarcity of consumer goods and increased employment created tremendous savings.

The quick and decisive end to the war brought our young men home and the city of Lakewood once again settled back to being the City of Homes. In 1946, Lakewood was honored when General Dwight D. Eisenhower visited the old high school and was presented with a scroll and coat-of-arms. Television began to appear in more and more living rooms and the World Series was televised for the first time in 1947.

As material shortages lessened, the new Lakewood High School was built in 1949 and the city spent more than $112,000 to upgrade its beautiful parks and playgrounds including $20,000 to light the Madison Park baseball diamond.

With a hold on home lending and new housing starts, First Federal of Lakewood began concentrating instead on war-financing programs and helping young families purchase existing homes.

As a letter to First Federal investors stated in 1942, “These are the days for calmness and confidence in America and American institutions…while new loans are scarce, we are still making a few and are investing idle funds in the safest security in the world — United States Government Bonds.” President Samuel S. Dickey, a well known citizen and assistant superintendent of Lakewood schools for many years, acted as liaison between Lakewood and First Federal during this time, ensuring the community’s trust and confidence in this maturing institution.

By the end of the war in 1945, First Federal had grown considerably due to increased savings deposits and a philosophy of prudent financial management that continues even today. By the end of the decade, total assets had grown to almost $14 million.

In 1948, David T. Hyatt became executive vice president of First Federal and led the institution through a period of continued growth and solvency for the next 15 years.

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The 1950’s The 1950’s ushered in a new era — that of the Cold War. As American troops fought in Korea, communities across the nation were faced with a wartime economy and air-raid drills in the schools once again became commonplace. In Lakewood, the school superintendent even proposed an Atomic Bomb Defense Committee for all public schools.

Peace and prosperity returned with the end of the war and the 1950’s became a decade of growth — both in new construction and with a baby boom that impacted the economy significantly.

Although the population in Lakewood dropped slightly from ten years earlier, the number of family-owned houses grew by over 1,000 units. The real growth areas were in the western communities of Bay Village, North Olmsted and Rocky River as life in suburbia became an American reality.

By 1957, an impressive and innovative program was launched to deal with the effects of age on Lakewood housing. Called Operation Lakewood, the program saw a dramatic renaissance of the city’s appearance as over 5,000 Lakewoodites took part in major home improvements and property repair.

The efforts of all involved were rewarded in 1959 when Lakewood was named as one of the 22 finalists in the All-American Cities Competition. The Honorable Mention award did more than bring national recognition to Lakewood — it instilled a sense of pride and community awareness to this great city on the lake.

By the end of the Korean War in 1953, First Federal of Lakewood found itself processing new construction and mortgage loans from all over Cuyahoga and neighboring counties. Under the direction of Carl E. Fruehauf, First Federal experienced unprecedented growth as assets grew from $13.9 million in 1950 to over $36.7 million by 1955.

By consistently offering interest rates 1/4% higher than its competition and operating with low overhead and fewer employees, First Federal’s reputation as a dependable, friendly place to do also grew. During certain periods of the 1950’s and 1960’s, First Federal actually had more deposits coming in than they were able to lend out.

When Operation Lakewood was implemented, First Federal was there providing home improvement and financing loans to the many families who shared a common civic pride in their city.

By the end of the 1950’s, assets had increased again to over $60 million and First Federal of Lakewood threw a party for employees and customers to celebrate this landmark accomplishment.

Carl E. Fruehauf

1950 snow storm

1952 Sloane Avenue and streetcar tracks

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1953 street explosion

1958 first woman crossing guard

1960 Lakewood Pool

1960 St. Charles and Detroit

1963 Fire Department

1965 Detroit and Elmwood

Carl E. Dryer

The 1960’s Americans lived through many changes during the 1960’s as a young President was struck down and the crusade for civil rights spread quickly, and sometimes violently, across the nation. Families were able to witness in their own living rooms both the terror of the Vietnam War and the triumph of Neil Armstrong’s historic step.

Lakewood also experienced changes as its “Gold Coast” began to rise and take shape along the shores of Lake Erie. The city became more accessible in 1964 when the Clifton Bridge was opened.

Continuing its tradition of providing the best education and school facilities available, the city broke ground in 1968 for the High School’s $7.9 million expansion.

July 4, 1969, will always be remembered as the day the killer storm roared through Lakewood Park as families gathered to watch the annual fireworks display. Two tragic deaths and over $1 million in property damage were left in the wake of those 120 mph winds.

Although First Federal of Lakewood continued to grow throughout the 1960’s, various economic factors affected the institution’s operating philosophy and inevitably directed its future course.

The increased competition for savings at this time was evidenced by the fact that nine other savings institutions were located within a three mile radius of First Federal. This, coupled with higher interest rates and restrictions on dividends paid for savings deposits, created new challenges for First Federal.

In an effort to become more efficient and overcome the effects of strong competition, First Federal relied on its strong reserves and invested in the future. By 1966, the 31 year old institution had become one of the first savings and loans in the country to computerize its teller line, offering better on-line services and more time to help customers on a personal basis with their financial decisions.

The second half of the decade saw new home building decline as mortgage interest rates rose to 81/4% and savings outflows increased as consumers moved funds to higher interest Treasury Bills.

First Federal, however, continued its practice of prudent management under president Carl E. Dryer by offering newlyauthorized Certificates of Deposit and launching its first premium campaign in 1967.

By the close of the decade, assets had more than doubled to $135.8 million and First Federal positioned itself for further growth in the 1970’s.

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The 1970’s The turbulence of the late 60’s and early 70’s was replaced by the pursuit of new diversions and a higher standard of living.

Real disposable income rose close to 30% during the decade and the dream of homeownership created a tremendous increase in housing starts by the mid 70’s.

Americans put the tragedy of Vietnam and the scandal of Watergate behind them and celebrated the nation’s Bicentennial with great fanfare and hopes for the future.

Lakewood’s population rose significantly to over 70,000 people after experiencing 30 years of gradual decline. The 350 bed Lakewood Hospital also continued to grow with the addition of a new auditorium and psychiatric wing in 1973.

Continuing its pursuit of cultural excellence, the city held ground breaking ceremonies for a 600 seat addition to the Lakewood Little Theater. In 1976, less than a year later, Beck Center opened with the play “Mary of Scotland.”

The decade of the Seventies signified not only a continued growth in assets for First Federal but an expansion into other communities with the opening of a North Ridgeville branch in 1972. Based on population trends and new housing starts, First Federal strategically opened its second branch in Westlake two years later.

The years 1973 and 1974 saw a serious economic downturn as America weathered a recession and energy crunch. By 1975, a home building boom once again prevailed and First Federal increased its mortgage loan activity, raising total assets from $135.8 million in 1970 to over $187.9 million by 1975.

By the latter part of the decade, inflationary fears once again caused an outflow of savings as funds were transferred into higher yielding investments. First Federal remained competitive, however, by offering a full range of short term and long term high yield certificates, comparatively higher savings rates, and a wide variety of customer services.

By increasing its financial offerings with the customers’ needs and convenience in mind, First Federal was able to remain solvent with assets of more than $284 million as it moved boldly into the 1980’s and the era of deregulation.

1972 Lakewood Little Theater

Vernon L. Vunderink

1974 Lakewood Center North

1979 Edgewater Square Condos

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1979 Detroit Rocky River Bridge Construction

Frank J. Drazdik

1983 Georgetown Row

1985 Lakewood Hospital

1980 Gold Coast

1983 relaxing in the Metroparks

Charley Geiger

Terry G. Tracy

The 1980’s In the 1980’s there were many significant events affecting the political climate, business community and our every day lives.

During the decade President Ronald Reagan worked closely with Mikhail Gorbachev, the leader of the Soviet Union, to end the Cold War between the two super powers and this eventually led to the fall of the Berlin Wall in 1989.

Personal Computers became a key possession for more and more Americans, Mount St. Helens erupted in Washington, the United States won the ‘Miracle on Ice’ at the 1980 Olympics and a young basketball star name Michael Jordan was just getting started. It was also a decade where we witnessed the Space Shuttle Challenger disaster and the assassination of John Lennon.

There was great volatility in the financial markets as well. Early in the decade Savings and Loans were awarded new powers to expand their product mix and capabilities, but by the end of the decade there was a Savings and Loan crisis threatening many of our competitors.

In the beginning of the 1980’s S&L’s faced the challenge of a growing number of non-regulated competitors, soaring inflation and erratic interest rates. The restrictions of low yielding assets and the inability to compete for savings threatened the future of thrifts.

In an effort to provide savings and loans with the ability to compete with other financial institutions, legislation was enacted that gave thrifts the flexibility to increase consumer loan activities, to offer a variety of transactions and money market accounts, and to sell variable rate mortgage loans.

First Federal of Lakewood capitalized on these new regulations and began offering creative lending and investment services while never losing sight of its traditional priority — financing owneroccupied, single family real estate in the communities it serves.

During this time of dramatic change, First Federal continued to branch out into neighboring communities. While we opened new branches in Amherst (1980) and West Park (1982), by the end of the decade the only new branch that remained was North Olmsted, which opened in 1985. Also in 1985, First Federal began to add technology to improve customer service as it introduced Automatic Teller Machines (ATM) and on-line services.

By the end of the 1980’s there was a near collapse of the thrift industry and from 1986 through 1989 regulators closed or otherwise resolved 296 financial institutions. This led to the Financial Institutions Reform, Recovery and Enforcement Act of 1989 which changed the S&L industry and its federal regulation.

Despite these difficult economic conditions, First Federal was able to weather these challenges. Under the leadership of Charley Geiger, Chairman of the Board and President Terry G. Tracy, assets grew to $350,870,000 by the end of the decade. This was a 23% increase during the 1980’s and First Federal was poised for even more growth.

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The 1990’s The 1990’s ushered in the last full decade of the century. It was a time of great prosperity for the United States, but also one where ominous signs of terrorism and conflict in the Middle East became part of our collective experience.

The U.S. experienced its longest period of economic expansion during this decade and personal incomes grew significantly. The Dow Jones Industrial average began the 90’s under 4,000 and grew to over 12,000 by its end. The stock market boomed to such heights, Federal Reserve Chairman Alan Greenspan coined the phrase “irrational exuberance”, to suggest that the stock market may be overvalued.

It was a decade where we launched the Hubble Telescope, the World Wide Web and cell phones became prominent, Dolly the sheep was cloned and we experienced the fatal car crash of Princess Diana.

As the 1990’s began problems from the S&L crisis from the 1980’s continued to threaten industry stability.

The Resolution Trust Corporation (RTC) was created in 1989 and was responsible for liquidating assets of insolvent S&L’s. Between 1989 and mid-1995, the RTC closed or otherwise resolved 747 thrifts with total assets of $394 billion.

Despite the problems affecting the S&L industry, First Federal of Lakewood enjoyed tremendous growth in the 1990’s. Senior management went on record declaring it ‘A Decade of Growth’ and it was a promise they were able to keep.

Technology and investments in the infrastructure played a key role in the growth of First Federal in the 1990’s. Personal computers were installed at all teller stations in 1990 and by the middle of the decade loan officers were using laptop computers to take products and services directly to our customers. It was a decade where we introduced the Teller Phone, FFL.net and established our first Call Center. With all this new reliance on technology, it took a team effort to successfully prepare for and survive the threat of Y2K. Growth was driven by branch expansion as well. In 1991 FFL acquired branches in Fairview Park and Rocky River. By 1992 the company surpassed a key milestone of over $500 million in assets, and in the same year Roger L. Holmes took over as Chairman of the Board after the untimely death of Mr. Charley Geiger.

Branch expansion continued through the end of the decade.

In early 1996 we opened a new branch in Avon Lake and in July 1999 we opened our second Westlake branch at Crocker Park.

By the end of the decade we had successfully fulfilled management’s challenge for the 1990’s to be a decade of growth.

Over these 10 years the number of branches increased from four to eight and assets grew to $895,996,806, an increase of 155%.

Roger L. Holmes

Larry E. Faulhaber

Clifton Lagoons

Carlyle and Winton Place

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Lake Avenue home

Construction of the Clifton Bridge

View from Carlyle balcony

$2.5 million Main Office renovation

Classic at Mastick Race

Lakewood Library

Ronald W. Dees

Gary R. Fix

The 2000’s The first decade of the 21st century was very traumatic for the United States and countries around the world, as strong forces and economic conditions challenged world peace and threatened our way of living.

Terrorism hit American soil with the attacks on the World Trade Center, Washington, D.C. and in the state of Pennsylvania on September 11, 2001. This led to our War on Terrorism and War in Afghanistan, military efforts that continue today.

Later in the decade we experienced the largest economic crisis since the Great Depression. The crisis in housing and credit began in late 2007 and eventually led to the bankruptcy of major banks and financial institutions worldwide and a global recession that was still in force as we entered 2010.

Despite the political turmoil and economic challenges it proved to be another decade of growth for First Federal of Lakewood.

In 2001, we introduced the Investment Services group and began offering traditional brokerage products such as stocks, mutual funds and annuities. As of December 2009 the Investment Services team had $74 million in assets under management.

Another significant threshold was reached in 2002, when the bank surpassed $1 billion in assets.

In 2004, Gary R. Fix became CEO and Ronald W. Dees was appointed Chairman of the Board in 2006. Under the leadership of Chairman Dees and President and CEO Fix, the bank continued to diversify its product offering, expand its footprint and develop new lines of business.

Under their leadership we intensified our commitment to serve Business and Commercial customers. We added a variety of new products and services along with specialists to better serve Commercial, Small Business, Private Banking, Treasury and Public Funds clients.

In 2008, we expanded to new regions of the state when we established residential mortgage loan offices in Solon and Columbus. This move came at a time when many other banks were backing away from offering mortgage loans due to the economic crisis of the time. This strategy paid strong dividends in 2009 when First Federal achieved record loan volume of over $422 million and significantly increased market share in all the markets we served.

By the end of the decade our branch network had grown to 12 with the additions of Olmsted Township (2002), Strongsville (2003), Brunswick (2005) and Avon (2006). As of December 31, 2009 assets stood at $1,235,846,051, representing growth of 38% for the decade.

As we reflect on the accomplishments of the past 75 years we are proud to be associated with all the men and women who helped make First Federal of Lakewood successful over all these years. As we look forward, we cannot be certain what the future will bring, but we go forth with confidence based on the values, practices and leadership that brought us all our success to date. We are also certain that First Federal’s leaders of tomorrow will help this bank continue to be safe, strong and secure.

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Statement of Condition As of December 31, 2009 Assets Cash and Cash Equivalents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Securities Available for Sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Securities Held to Maturity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Federal Home Loan Bank Stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Premise and Equipment, Net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Accrued Interest Receivable and Other Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

$1,287,460,492

171,888,960

2,818,589

919,734,253

9,743,000

11,149,041

33,051,716

Total Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,235,846,051

Liabilities and Equity Deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,963,658,974 FHLB Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

125,785,000 Accrued Interest Payable and Other Liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

21,960,970 Total Liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,111,404,944 Retained Earnings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

124,441,107 Total Liabilities and Net Worth . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,235,846,051

75 Years of Growth…An Overview

Assets by Decade

1,235.8

For seventy five years, First Federal of Lakewood has proven to be a safe, strong and secure bank for its customers. We have achieved consistent growth and built strong reserves by remaining committed to our guiding principles, focusing on customer needs and carefully selecting new opportunities.

The strong growth over the last two decades was accomplished through the steady expansion of our branch network, the introduction of two First Federal Lending offices and other prudent decisions by our management team.

896.0

350.9 284.2 135.8 1.7

1940

10

13.9

1950

60.6

1960

1970

1980

Dollars in millions

1990

2000

2010

Message for the future Over our 75 year history, First Federal has been challenged by a variety of economic events. From our beginning during the Great Depression through the global economic crisis that began in 2007, this bank has weathered many storms and continues to thrive.

I firmly believe our success, especially during difficult times, is predicated on following the guiding principles and core values that were established at our founding in 1935.

Our capabilities were tested again in 2009, a year of economic hardship for many of our competitors. First Federal achieved record loan volume, realized significant market share growth and generated profits in every quarter.

We are proud of our accomplishments over the past 75 years and, as we look towards the future, we feel well positioned to remain safe, strong and secure.

Gary R. Fix President and CEO

Management Seated (left to right): Richard K. Smith, Gary R. Fix, President and CEO Standing (left to right): Thomas Fraser, Ronald R. Webb,

Gerald A. Buck and David T. Shaw

Executives and Vice Presidents Ronald W. Dees . . . . . . . . . . Chairman Gary R. Fix . . . . . . . . . . . . . . President and CEO Gerald A. Buck . . . . . . . . . . . Executive Vice President, Retail Thomas Fraser . . . . . . . . . . . Executive Vice President, Lending David T. Shaw . . . . . . . . . . . Senior Vice President, Retail Richard K. Smith . . . . . . . . . Senior Vice President, CFO Ronald R. Webb . . . . . . . . . . Vice President, Lending Michael G. Berichon . . . . . . Vice President, Commercial Loans Paul V. Capka . . . . . . . . . . . . Vice President, Commercial Operations Kevin R. Cox . . . . . . . . . . . . Vice President, Retail Banking Richard I. Goss . . . . . . . . . . Vice President, Commercial Loans James P. Heide . . . . . . . . . . . Vice President, Marketing Karen A. Herrmann . . . . . . Vice President, Human Resources Robert N. Malehorn . . . . . . Vice President, Controller Marie Marrali . . . . . . . . . . . Vice President, Private Banking Lynda Nowak . . . . . . . . . . . . Vice President, Business Banking Kennaird H. Stewart . . . . . Vice President, Commercial Loans Richard A. Swerbinsky . . . . Vice President, Secondary Marketing

Directors Ronald W. Dees President (retired) Bonne Bell Inc. Gary R. Fix President and CEO First Federal of Lakewood W. Charles Geiger III President Geiger’s Clothing & Sports William C. Huffman Attorney Huffman, Isaac & Klym, LLC Michael P. Summers President and Owner Summers Rubber Co. Terry G. Tracy President (retired) First Federal of Lakewood

Board of Directors Seated (left to right): Michael P. Summers, Gary R. Fix Standing (left to right): Terry G. Tracy, William C. Huffman, Ronald W. Dees, Chairman and W. Charles Geiger III

Directors Emeritus Larry E. Faulhaber William M. Malley

Roger L. Holmes Robert C. Weber 11

Giving Back To The Community

American Cancer Society — Relay for Life

Junior Achievement Bowl-A-Thon

As a Community Bank we recognize our responsibility to give something back to the communities we serve.

Over the past 75 years First Federal of Lakewood and its employees have established a strong reputation for community involvement and service.

Our officers and employees are active participants in a wide variety of local organizations and we have raised funds for numerous groups and causes.

Here is a partial list of the organizations we have supported over the years: • American Cancer Society • American Red Cross • Beck Center for the Arts • Celebrate Westlake • Chamber of Commerce — Various • Classic at Mastick • Cleveland Food Bank • Community Resource Center • Junior Achievement • Kiwanis International • Lakewood Alive • Lakewood Historical Society Classic at Mastick Scholarship Winners • Lakewood Hospital Foundation • Lakewood Library Foundation • North Olmsted Food Bank • Relay For Life • Rotary International • United Way • Westlake Community Service Center • WVIZ Auction

Cleveland Food Bank

Cleveland Rotary Community Service Leadership Award

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Community Involvement

Welcome House — Supported Living Program

FIRST FEDERAL LAKEWOOD RETAIL BRANCHES

FIRST FEDERAL LENDING LOAN PRODUCTION OFFICES

Cuyahoga County Lorain County Medina County

Solon

Lakewood Main Office Avon Avon Lake Fairview Park North Ridgeville North Olmsted Olmsted Township Rocky River Strongsville Westlake Detroit Westlake Crocker

Brunswick

31500 Bainbridge Road Solon, OH 44139

Main Office

Columbus

128 County Line Road West Westerville, OH 43082

Main Office, Lakewood 1935

North Ridgeville 1972

Westlake Detroit 1974

North Olmsted 1985

Fairview 1991

Rocky River 1991

Avon Lake 1996

Westlake Crocker 1999

Olmsted Township 2002

Strongsville 2003

Brunswick 2005

Avon 2006

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