NASDAQ: TFSL

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the strength or weakness of the real estate markets and of the consumer and commercial credit sectors and its impact on the credit quality of our loans and other assets, and changes in estimates of the allowance for credit losses;

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decreased demand for our products and services and lower revenue and earnings because of a recession or other events;

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changes in consumer spending, borrowing and savings habits, including repayment speeds on loans;

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adverse changes and volatility in the securities markets, credit markets or real estate markets;

●our ability to manage market risk, credit risk, liquidity risk, reputational risk, regulatory risk and compliance risk;

●our ability to access cost-effective funding;

●legislative or regulatory changes that adversely affect our business, including changes in regulatory costs and capital requirements and changes related to our ability to pay dividends and the ability of Third Federal Savings, MHC to waive dividends;

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changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the FASB or the PCAOB;

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the adoption of implementing regulations by a number of different regulatory bodies, and uncertainty in the exact nature, extent and timing of such regulations and the impact they will have on us;

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our ability to enter new markets successfully and take advantage of growth opportunities;

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future adverse developments concerning Fannie Mae or Freddie Mac;

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changes in monetary and fiscal policy of the U.S. Government, including policies of the U.S. Treasury, the Federal Reserve System, Fannie Mae, the OCC, FDIC, and others, and the effects of tariffs and retaliatory actions;

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the ability of the U.S. Government to remain open, function properly and manage federal debt limits;

●the continuing governmental efforts to restructure the U.S. financial and regulatory system;

●changes in policy and/or assessment rates of taxing authorities that adversely affect us or our customers;

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changes in accounting and tax estimates;

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changes in our organization and changes in expense trends, including but not limited to trends affecting non-performing assets, charge-offs and provisions for credit losses;

●the inability of third-party providers to perform their obligations to us;

●changes in liquidity, including the size and composition of our deposit portfolio, and the percentage of uninsured deposits in the portfolio;

●the effects of global or national war, conflict or acts of terrorism;

●our ability to retain key employees;

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civil unrest;

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cyber-attacks, computer viruses and other technological risks that may breach the security of our websites or other systems to obtain unauthorized access to confidential information, destroy data or disable our systems; and

●the impact of a wide-spread pandemic, and related government action, on our business and the economy.

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by any forward-looking statements. Any forward-looking statement made by us in this report speaks only as of the date on which it is made. We undertake no obligation to publicly update any forward-looking statements, whether as a result of new information, future developments or otherwise, except as may be required by law. Please see