Camco Financial Corporation


Exhibit 4
(<a href=CAMCO FINANCIAL CORPORATION LOGO)">Camco Financial Corporation
6901 Glenn Highway
Cambridge, Ohio 43725
Phone: 740-435-2020
Fax: 740-435-2021
March 17, 2008
Securities and Exchange Commission
100 F Street, N.E.
Washington, D.C. 20549
Re:   Camco Financial Corporation — Annual Report on Form 10-K
for the Fiscal Year Ended December 31, 2007
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 Camco’s 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