Exhibit 4

Camco Financial Corporation

6901 Glenn Highway
Cambridge, Ohio 43725
Phone:          740-435-2020
Fax:                740-435-2021

March 16, 2009

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, 2008

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, 2008 (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,

CAMCO FINANCIAL CORPORATION

James E. Brooks
Chief Financial Officer