Camco Financial Corporation
6901 Glenn Highway
March 17, 2008
Securities and Exchange Commission
100 F Street, N.E.
, D.C. 20549
Ladies and Gentlemen:
Today, Camco Financial Corp., a Delaware
corporation (Camco), is filing its Annual Report on
Form 10-K for the fiscal year ended December 31, 2007 (the Form 10-K), with the Securities and
Exchange Commission (the SEC).
Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation
S-K, Camco hereby agrees to furnish the SEC, upon request, copies of instruments and agreements,
defining the rights of holders of Camcos long-term debt and of the long-term debt of its
consolidated subsidiaries, which are not being filed as exhibits to the Form 10-K. The total
amount of securities issued under any instrument of such long-term debt does not exceed 10% of the
total assets of Camco and its subsidiaries on a consolidated basis.
Very truly yours,
Eric S. Nadeau
Chief Financial Officer