March 16, 2020
Securities and Exchange Commission
100 F Street, NE
Washington, D.C. 20549
Re: Central Federal Corporation —Annual Report on Form 10-K for the fiscal year ended December 31, 2019.
Ladies and Gentlemen:
Central Federal Corporation, a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of Central Federal Corporation for the fiscal year ended December 31, 2019.
Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, Central Federal Corporation 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 Central Federal Corporation’s 2019 Annual Report on Form 10-K. None of such long-term debt exceeds 10% of the total assets of Central Federal Corporation and its subsidiaries on a consolidated basis.
Very truly yours,
CENTRAL FEDERAL CORPORATION
/s/Timothy T. O’Dell
Timothy T. O’Dell
President and Chief Executive Officer