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82 Ohio RANK: 19 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 2.10% 1.72% 5.2 YEAR AGO 2.66% 2.26% 5.9 YEAR-OVER-YEAR CHANGE -21.0% -24.0% -0.7 Top County MEIGS COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.86% 3.85% YEAR AGO 5.16% 3.04% YEAR-OVER-YEAR CHANGE -44.6% 26.7% Top Core-Based Statistical Area ASHTABULA, OH 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.81% 3.64% YEAR AGO 3.52% 4.47% YEAR-OVER-YEAR CHANGE -20.2% -18.6% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS Third Federal Savings Demonstrates Ability to Remain Well-Capitalized in Stress Test e ird Federal Savings and Loan Asso- ciation of Cleveland, a wholly owned subsid- iary of TFS Financial Corporation, recently reported the results of its 2015 company-run stress test that is conducted in accordance with regulations of the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency (OCC) under the Dodd-Frank Wall Street Reform and Con- sumer Protection Act. "ese company-run stress tests are de- signed to help assess whether financial institu- tions have sufficient capital to absorb losses and support operations using a hypothetical stressed scenario described by the Federal Reserve, over a nine-quarter projection period from October 1, 2014 to December 31, 2016," ird Federal Savings and Loan said in a press release. e Association also noted that compared to institutions with assets of $50 billion or more, the stress testing requirements and expectations are significantly lower for institutions with assets be- tween $10 billion and $50 billion. Meduim-sized companies, including the Association, are not required to do the Federal Reserve's supervisory- run stress tests or the Federal Reserve's annual Comprehensive Capital Assessment and Review. ey are also not required to submit an annual capital plan or subject to a supervisory approval or denial of their stress test results. e hypothetical scenario involves economic conditions that are more adverse than currently expected by the Federal Reserve or the Associa- tion and therefore investors should not rely on these results as forecasts of expected or most likely financial results or capital ratios for the Association or the Company. e Association revealed that loan losses within the company in the severely adverse sce- nario totaled $129,075, while pre-provision net rev- enue (PPNR) totaled $72,509. Provision expenses reached $206,202 and net loss totaled $88,463. "In this scenario, economic factors in the United States reflect a contracting economy marked with rising unemployment, widening credit spreads, low treasury yields, declining asset prices and near-term inflationary pressures brought about by a considerable rise in the price of oil," the Association reported. "While the Asso- ciation does not believe this economic environ- ment has a high probability of occurrence, the test demonstrates our ability to remain well-capitalized after absorbing anticipated losses during a period of deep recessionary effects in the economy." A description of the risks included in the company-run stress test follows: » Credit- e risk that an extension of credit to a borrower will result in the inability of the borrower to meet the terms of the obligation. » Liquidity- e risk that attrition of the re- tail deposit base would result in an inability to fund lending activity through alternative channels. » Market- e risk that market interest rates would adversely affect fair market valuation assessments to our available-for-sale securi- ties portfolio. » Operational- e risk of loss resulting from inadequate or failed internal processes, people and systems, or from external events. South Dakota RANK: 38 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 0.74% 0.78% 3.6 YEAR AGO 0.90% 0.74% 3.4 YEAR-OVER-YEAR CHANGE -17.7% 5.5% 0.2 Top County MCCOOK COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 0.98% 2.48% YEAR AGO 1.48% 4.73% YEAR-OVER-YEAR CHANGE -33.5% -47.6% Top Core-Based Statistical Area RAPID CITY, SD 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 0.85% 1.08% YEAR AGO 1.01% 0.94% YEAR-OVER-YEAR CHANGE -15.1% 14.2% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Wisconsin RANK: 28 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 1.79% 1.29% 4.4 YEAR AGO 2.28% 1.53% 5.5 YEAR-OVER-YEAR CHANGE -21.7% -15.8% -1.1 Top County CLARK COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 1.91% 4.19% YEAR AGO 3.78% 2.94% YEAR-OVER-YEAR CHANGE -49.5% 42.5% Top Core-Based Statistical Area MERRILL, WI 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 1.26% 2.29% YEAR AGO 2.36% 1.96% YEAR-OVER-YEAR CHANGE -46.6% 17.1% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Ohio ranked 13th among states for bankruptcy filings per capita in June 2015, with 3.31 for every 10,000 people, according to AACER bankruptcy data reported by Epiq Systems. KNOW THIS

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