Attached files

file filename
EX-21.1 - EX-21.1 - CF BANKSHARES INC.cfbk-20171231xex21_1.htm
EX-32.1 - EX-32.1 - CF BANKSHARES INC.cfbk-20171231xex32_1.htm
EX-31.2 - EX-31.2 - CF BANKSHARES INC.cfbk-20171231xex31_2.htm
EX-31.1 - EX-31.1 - CF BANKSHARES INC.cfbk-20171231xex31_1.htm
EX-23.1 - EX-23.1 - CF BANKSHARES INC.cfbk-20171231xex23_1.htm
EX-13.1 - EX-13.1 - CF BANKSHARES INC.cfbk-20171231xex13_1.htm
EX-11.1 - EX-11.1 - CF BANKSHARES INC.cfbk-20171231xex11_1.htm
10-K - 10-K - CF BANKSHARES INC.cfbk-20171231x10k.htm

Exhibit 4.5

Picture 1



March 15, 2018



Securities and Exchange Commission

100 F Street, NE

Washington, D.C. 20549



Re: Central Federal Corporation —Annual Report on Form 10-K for the fiscal year ended December 31, 2017.



Ladies and Gentlemen:



Central Federal Corporation, a Delaware  corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of Central Federal Corporation for the fiscal year ended December 31, 2017.

Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, Central Federal Corporation hereby agrees to furnish to the SEC, upon request, copies of instruments defining the rights of holders of long-term debt and of the long-term debt of its consolidated subsidiaries, which are not being filed as exhibits to Central Federal Corporation’s 2017 Annual Report on Form 10-K.  None of such long-term debt exceeds 10% of the total assets of Central Federal Corporation and its subsidiaries on a consolidated basis.

Very truly yours,



CENTRAL FEDERAL CORPORATION



/s/Timothy T. O’Dell

Timothy T. O’Dell

President and Chief Executive Officer