EX-4.5 2 cfbk-20221231xex4_5.htm EX-4.5

Exhibit 4.5

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March 31, 2023

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Securities and Exchange Commission

100 F Street, NE

Washington, D.C. 20549

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Re: CF Bankshares Inc.—Annual Report on Form 10-K for the fiscal year ended December 31, 20 2 2.

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Ladies and Gentlemen:

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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, 20 2 2.

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 202 2 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,

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CF BANKSHARES INC.

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/s/Timothy T. O’Dell

Timothy T. O’Dell

President and Chief Executive Officer

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