John P. Ringenbach has more than 40 years of experience in the financial services industry, most recently serving as Chief Operating Officer of Third Federal from 1993, until his retirement in 2012. Prior to joining the company, Mr. Ringenbach was president of Commerce Exchange Bank from 1987 until 1993. Before that time, he spent 14 years at Ameritrust. Mr. Ringenbach s many years of service in the financial services area, including as an officer of Third Federal Savings and Loan, brings knowledge of the financial, operational and regulatory challenges that the Company faces, which provides a valuable resource to his service on the Board and the Compensation and Executive Committees.