Agreement to furnish instruments defining rights of holders of long-term debt
Exhibit 4.5
March 31, 2023
Securities and Exchange Commission
100 F Street, NE
Washington, D.C. 20549
Re: CF Bankshares Inc.—Annual Report on Form 10-K for the fiscal year ended December 31, 2022.
Ladies and Gentlemen:
CF Bankshares Inc., a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of CF Bankshares Inc. for the fiscal year ended December 31, 2022.
Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, CF Bankshares Inc. 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 CF Bankshares Inc.’s 2022 Annual Report on Form 10-K. None of such long-term debt exceeds 10% of the total assets of CF Bankshares Inc. and its subsidiaries on a consolidated basis.
Very truly yours,
CF BANKSHARES INC.
/s/Timothy T. O’Dell
Timothy T. O’Dell
President and Chief Executive Officer
