TFS Financial Corporation is a savings and loan holding company. The Company is a stock holding company, which conducts its principal activities through its subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering and other insignificant financial services. The Company's primary operating subsidiaries include Third Federal Savings and Loan Association of Cleveland (Association) and Third Capital, Inc. The Association is a federal savings association, which provides retail loan and savings products to its customers in Ohio and Florida, through its approximately 40 branches, over eight loan production offices, customer service call center and Internet site. The Association also provides savings products and first mortgage refinance loans and home equity lines of credit in states outside of its branch footprint. Third Capital, Inc. was formed to hold non-thrift investments and subsidiaries.