Document:

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                                  EXHIBIT 4.01

                           CAMCO FINANCIAL CORPORATION
                      1995 STOCK OPTION AND INCENTIVE PLAN

         1.  PURPOSE. The purpose of the Camco Financial Corporation 1995 Stock
Option and Incentive Plan (herein referred to as the "Plan") is to promote and
advance the interests of Camco Financial Corporation (the "Company") and its
shareholders by enabling the Company to attract, retain and reward Directors
(hereinafter defined), and managerial and other key employees of the Company and
any Subsidiary (hereinafter defined), and to strengthen the mutuality of
interests between such Directors and employees and the Company's shareholders,
by providing such persons with a proprietary interest in pursuing the long-term
growth, profitability and financial success of the Company.

         2.  DEFINITIONS. For purposes of the Plan, the following terms shall
have the meanings set forth below:

             (a)  "Board" means the Board of Directors of the Company.

             (b)  "Change in Control" has the meaning set forth in Section 10 of
         this Plan.

             (c)  "Code" means the Internal Revenue Code of 1986, as
         amended, or any successor thereto, together with rules, regulations and
         interpretations promulgated thereunder.

             (d)  "Committee" means the Committee of the Board constituted as
         provided in Section 3 of this Plan.

             (e)  "Common Shares" means the common shares, $1.00 par value per
         share, of the Company or any security of the Company issued in
         substitution, exchange or lieu thereof.

             (f)  "Company" means Camco Financial Corporation, a Delaware
         corporation, or any successor corporation.

             (g)  "Director" means a member of the Board, an advisory director
         or a director emeritus of the Company or a director, an advisory
         director or a director emeritus of a Subsidiary.

             (h)  "Employment" means regular employment with the Company or a
         Subsidiary and does not include service as a Director only.

             (i)  "Exchange Act" means the Securities Exchange Act of 1934, as
         amended, or any successor statute.

             (j)  "Fair Market Value" shall be determined as follows:

                  (i)  If the Common Shares are traded on a national securities
             exchange at the time of grant of the Stock Option, then the Fair
             Market Value shall be the average of the highest and the lowest
             selling price on such exchange on the date such Stock Option is
             granted or, if there were no sales on such date, then on the next
             prior business day on which there was a sale.

                  (ii)  If the Common Shares are listed on The Nasdaq Stock
             Market, at the time of the grant of the Stock Option, then the Fair
             Market Value shall be the mean between the closing bid and closing
             asked quotation with respect to a Common Share on such date on The
             Nasdaq Stock Market.

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                  (iii)  If the Common Shares are not traded on a national
             securities exchange or quoted on The Nasdaq Stock Market, then the
             Fair Market Value shall be as determined by the Committee.

             (k)  "Incentive Stock Option" means any stock option that is
         intended to be and is specifically designated as an "incentive stock
         option" within the meaning of Section 422 of the Code.

             (l)  "Non-Qualified Stock Option" means any stock option that is
         not an Incentive Stock Option.

             (m)  "OTS" means the Office of Thrift Supervision, Department of
         the Treasury.

             (n)  "Participant" means an employee or Director of the Company or
         a Subsidiary who is granted a Stock Option under the Plan.
         Notwithstanding the foregoing, for the purposes of the granting of any
         Incentive Stock Option under this Plan, the term "Participant" shall
         include only employees of the Company or a Subsidiary.

             (o)  "Plan" means the Camco Financial Corporation 1995 Stock Option
         and Incentive Plan, as set forth herein and as it may be hereafter
         amended from time to time.

             (p)  "Stock Option" means an award to purchase Common Shares
         granted pursuant to the provisions of Section 6 of the Plan.

             (q)  "Subsidiary" means any corporation or entity in which the
         Company directly or indirectly controls 50% or more of the total voting
         power of all classes of its stock having voting power, and includes,
         without limitation, Cambridge Savings Bank, Marietta Savings Bank,
         First Federal Savings Bank of Washington Court House, Camco Mortgage
         Corporation and East Ohio Title Agency, Inc.

             (r)  "Terminated for Cause" means any removal of a Director or
         discharge of an employee for the personal dishonesty, incompetence,
         willful misconduct, breach of fiduciary duty, intentional failure to
         perform stated duties, willful violation of a material provision of any
         law, rule or regulation (other than traffic violations or similar
         offenses), a material violation of a final cease-and-desist order or
         any other action of a Director or employee which results in a
         substantial financial loss to the Company or a Subsidiary.

         3.  ADMINISTRATION.

             (a) The Plan shall be administered by the Committee to be comprised
         of not less than three of the members of the Board to be appointed from
         time to time by the Board. Members of the Committee shall serve at the
         pleasure of the Board, and the Board may from time to time remove
         members from, or add members to, the Committee. A majority of the
         members of the Committee shall constitute a quorum for the transaction
         of business. Action approved in writing by a majority of the members of
         the Committee then serving shall be fully as effective as if the action
         had been taken by unanimous vote at a meeting duly called and held.

             (b) The Committee is authorized to construe and interpret the Plan
         and to make all other determinations necessary or advisable for the
         administration of the Plan. The Committee may designate persons other
         than members of the Committee to carry out its responsibilities under
         such conditions and limitations as it may prescribe. Any determination,
         decision or action of the Committee in connection with the
         construction, interpretation, administration or application of the Plan
         shall be final, conclusive and binding upon all persons participating
         in the Plan and any person validly claiming under or through persons
         participating in the Plan. The Company shall effect the granting of
         Stock Options under the Plan

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         in accordance with the determinations made by the Committee, by
         execution of instruments in writing in such form as approved by the
         Committee. Notwithstanding the foregoing, the Board shall determine the
         persons to whom Stock Options shall be granted and the number of
         shares.

         4.  DURATION OF, AND COMMON SHARES SUBJECT TO, PLAN.

             (a)  Term. The Plan shall terminate on the date which is ten years
         from the date on which the Plan is adopted by the Board, except with
         respect to Stock Options then outstanding.

             (b)  Common Shares Subject to Plan. The maximum number of Common
         Shares in respect of which Stock Options may be granted under the Plan,
         subject to adjustment as provided in Section 9 of the Plan, shall be
         93,000.

         For the purpose of computing the total number of Common Shares
available for Stock Options under the Plan, there shall be counted against the
foregoing limitations the number of Common Shares subject to issuance upon
exercise of Stock Options as of the dates on which such Stock Options are
granted. If any Stock Options are terminated, expire unexercised or are
exchanged for other Stock Options, the Common Shares which were theretofore
subject to such Stock Options shall again be available for Stock Options under
the Plan to the extent of such termination, expiration or exchange.

         Common Shares which may be issued under the Plan may be either
authorized and unissued shares or issued shares which have been reacquired by
the Company. No fractional shares shall be issued under the Plan.

         5.  ELIGIBILITY AND GRANTS. Persons eligible for Stock Options shall
consist of Directors and managerial and other key employees of the Company or a
Subsidiary who hold positions of significant responsibilities or whose
performance or potential contribution, in the judgment of the Board, will
benefit the future success of the Company or a Subsidiary. In selecting the
Directors and employees to whom Stock Options will be awarded and the number of
shares subject to such Stock Options, the Board shall consider the position,
duties and responsibilities of the eligible Directors and employees, the value
of their services to the Company and the Subsidiaries and any other factors the
Committee may deem relevant. The Committee may recommend to the Board the number
of shares to be awarded in the Stock Option granted to each Participant.

         6.  STOCK OPTIONS. Stock Options granted under the Plan may be in the
form of Incentive Stock Options or Non-Qualified Stock Options, and such Stock
Options shall be subject to the following terms and conditions:

             (a)  Grant. Stock Options may be granted under the Plan in such
         form as the Committee may from time to time approve and may contain
         such additional terms and conditions, not inconsistent with the express
         provisions of the Plan, as the Committee shall deem desirable.

             (b)  Stock Option Price. The option exercise price per Common Share
         purchasable under a Stock Option shall be determined by the Committee
         at the time of grant; provided, however, that in no event shall the
         exercise price of an Incentive Stock Option be less than 100% of the
         Fair Market Value of the Common Shares on the date of the grant of such
         Incentive Stock Option; provided further that, in the case of a
         Participant who owns Common Shares representing more than 10% of the
         outstanding Common Shares at the time an Incentive Stock Option is
         granted to such Participant, the option exercise price shall in no
         event be less than 110% of the Fair Market Value of the Common Shares
         at the time the Incentive Stock Option is granted.

             (c)  Stock Option Terms. The term of each Stock Option shall be
         fixed by the Committee; except that the term of Incentive Stock Options
         will not exceed ten years after the date the Incentive Stock Option is
         granted; provided, however, that in the case of a Participant who owns
         a number of Common Shares

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         representing more than 10% of the Common Shares outstanding at the time
         an Incentive Stock Option is granted to such Participant, the term of
         the Incentive Stock Option shall not exceed five years.

             (d)  Exercisability. A Stock Option shall be exercisable in whole
         or in part at such time or times and subject to such terms and
         conditions as shall be determined by the Committee on the date of
         grant, except as otherwise provided in paragraph (c) of this Section 6.

             (e)  Method of Exercise. A Stock Option may be exercised, in whole
         or in part, by giving written notice of exercise to the Company
         specifying the number of Common Shares to be purchased. Such notice
         shall be accompanied by payment in full of the purchase price in cash
         or by certified or cashier's check or, if acceptable to the Committee
         in its sole discretion, in Common Shares already owned by the
         Participant, or by surrendering outstanding Stock Options. The
         Committee may also permit Participants, either on a selective or
         aggregate basis, simultaneously to exercise Options and sell Common
         Shares thereby acquired, pursuant to a brokerage or similar
         arrangement, approved in advance by the Committee, and use the proceeds
         from such sale as payment of the purchase price of such shares.

             (f)  Special Rule for Incentive Stock Options. The aggregate Fair
         Market Value (determined as of the date an Incentive Stock Option is
         granted) of the Common Shares with respect to which Incentive Stock
         Options are exercisable under all plans of the Company or a Subsidiary
         for the first time by a Participant during any calendar year shall not
         exceed $100,000 or such other limit as may be required by the Code.

         7.  TERMINATION OF EMPLOYMENT OR DIRECTORSHIP. The terms and conditions
under which a Stock Option may be exercised after a Participant's termination of
Employment or directorship shall be determined by the Committee at the time of
grant of the Stock Option; provided, however, that in the event a Participant's
Employment or directorship (regular, advisory or emeritus) with the Company or a
Subsidiary is Terminated for Cause, such Stock Option shall be terminated as of
the date of termination of Employment or directorship.

         8.  NON-TRANSFERABILITY OF STOCK OPTIONS. No Stock Option, and no
rights or interests therein, shall be assignable or transferable by a
Participant except by will or the laws of descent and distribution. During the
lifetime of a Participant, Stock Options are exercisable only by the Participant
or his or her legal representative.

         9.  ADJUSTMENTS UPON CHANGES IN CAPITALIZATION.

             (a)  The existence of this Plan and the Stock Options granted
         hereunder shall not affect or restrict in any way the right or power of
         the Board or the shareholders of the Company to make or authorize any
         adjustment, recapitalization, reorganization or other change in the
         Company's capital structure or its business, any merger, acquisition or
         consolidation of the Company, any issue of bonds, debentures, preferred
         or prior preference stocks ahead of or affecting the Company's capital
         stock or the rights thereof, the dissolution or liquidation of the
         Company or any sale or transfer of all or any part of its assets or
         business, or any other corporate act or proceeding, including any
         merger or acquisition which would result in the exchange of cash, stock
         of another company or options to purchase the stock of another company
         for any Stock Option outstanding at the time of such corporate
         transaction or which would involve the termination of all Stock Options
         outstanding at the time of such corporate transaction.

             (b)  In the event of any change in capitalization affecting the
         Common Shares of the Company, such as a stock dividend, stock split,
         recapitalization, merger, consolidation, split-up, combination or
         exchange of shares or other form of reorganization, or any other change
         affecting the Common Shares, such proportionate adjustments, if any, as
         the Board in its discretion may deem appropriate to reflect such change
         shall be made with respect to the aggregate number of Common Shares for
         which Stock Options in respect thereof may be granted under the Plan,
         the maximum number of Common Shares which may

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         be sold or awarded to any Participant, the number of Common Shares
         covered by each outstanding Stock Option, and the exercise price per
         share in respect of outstanding Stock Options.

             (c)  The Committee may also make such adjustments in the number of
         shares covered by, and the exercise price or other value of, any
         outstanding Stock Options in the event of a spin-off or other
         distribution (other than normal cash dividends) of Company assets to
         shareholders. In the event that another corporation or business entity
         is acquired by the Company, and the Company agrees to assume
         outstanding stock options and/or the obligation to make future grants
         of options or rights to employees or directors of the acquired entity,
         the aggregate number of Common Shares available for Stock Options under
         Section 4 of this Plan may be increased accordingly.

         10.  CHANGE IN CONTROL. All outstanding Stock Options shall become
immediately exercisable in the event of a change in control or imminent change
in control of the Company, as determined by the Committee. For purposes of this
Section, "change in control" shall mean: (i) the execution of an agreement for
the sale of all, or a material portion, of the assets of the Company; (ii) the
execution of an agreement for a merger or recapitalization of the Company or any
merger or recapitalization whereby the Company is not the surviving entity;
(iii) a change in control of the Company, as defined under OTS regulations; or
(iv) the acquisition, directly or indirectly, of the beneficial ownership (as
defined under Section 13(d) of the Exchange Act and the rules promulgated
thereunder) of 25% or more of the outstanding voting securities of the Company
by any person, trust, entity or group. For purposes of this Section, "imminent
change in control" shall refer to any offer or announcement, oral or written, by
any person or any persons acting as a group, to acquire control of the Company;
provided, however, that an application or notice shall have been filed with the
OTS and such application shall have been approved or such notice shall not have
been disapproved.

         11.  AMENDMENT AND TERMINATION OF THE PLAN. Without further approval of
the shareholders, the Board may at any time terminate the Plan or may amend it
from time to time in such respects as the Board may deem advisable; provided,
however, that the Board may not, without approval of the shareholders, make any
amendment which would (a) increase the aggregate number of Common Shares which
may be issued under the Plan (except for adjustments pursuant to Section 9 of
the Plan), (b) materially modify the requirements as to eligibility for
participation in the Plan, or (c) materially increase the benefits accruing to
Participants under the Plan. The above notwithstanding, the Board may amend the
Plan to take into account changes in applicable securities, federal income tax
and other applicable laws.

         12.  MODIFICATION OF OPTIONS. The Board may authorize the Committee to
direct the execution of an instrument providing for the modification of any
outstanding Stock Option which the Board believes to be in the best interests of
the Company; provided, however, that no such modification, extension or renewal
(a) shall confer on the holder of such Stock Option any right or benefit which
could not be conferred on him by the grant of a new Stock Option at such time
and (b) shall not materially decrease the Participant's benefits under the Stock
Option without the consent of the holder of the Stock Option, except as
otherwise permitted under the Plan.

             13.  MISCELLANEOUS.

             (a)  Tax Withholding. The Company shall have the right to deduct
         from any settlement, including the delivery or vesting of Common
         Shares, made under the Plan any federal, state or local taxes of any
         kind required by law to be withheld with respect to such payments or to
         take such other action as may be necessary in the opinion of the
         Company to satisfy all obligation for the payment of such taxes. If
         Common Shares are used to satisfy tax withholding, such shares shall be
         valued based on the Fair Market Value when the tax withholding is
         required to be made.

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             (b)  No Right to Employment. Neither the adoption of the Plan nor
         the granting of any Stock Option shall confer upon any employee of the
         Company or a Subsidiary any right to continued employment with the
         Company or any Subsidiary, as the case may be, nor shall it interfere
         in any way with the right of the Company or a Subsidiary to terminate
         the employment of any of its employees at any time, with or without
         cause.

             (c)  Other Company Benefit and Compensation Programs. Payments and
         other benefits received by a Participant under a Stock Option made
         pursuant to the Plan shall not be deemed a part of a Participant's
         regular, recurring compensation for purposes of the termination
         indemnity or severance pay law of any country and shall not be included
         in, nor have any effect on, the determination of benefits under any
         other employee benefit plan or similar arrangement provided by the
         Company or a Subsidiary unless expressly so provided by such other plan
         or arrangements, or except where the Committee expressly determines
         that a Stock Option or portion of a Stock Option should be included to
         accurately reflect competitive compensation practices or to recognize
         that a Stock Option has been made in lieu of a portion of competitive
         annual cash compensation. Stock Options may be granted in combination
         with or in tandem with, or as alternatives to, grants, awards or
         payments under any other Company or Subsidiary plans. The Plan
         notwithstanding, the Company or any Subsidiary may adopt such other
         compensation programs and additional compensation arrangements as it
         deems necessary to attract, retain and reward Directors and employees
         for their service with the Company and its Subsidiaries.

             (d)  Securities Law Restrictions. No Common Shares shall be issued
         under the Plan unless counsel for the Company shall be satisfied that
         such issuance will be in compliance with applicable federal and state
         securities laws. Certificates for Common Shares delivered under the
         Plan may be subject to such stock-transfer orders and other
         restrictions as the Committee may deem advisable under the rules,
         regulations, and other requirements of the Securities and Exchange
         Commission, any stock exchange upon which the Common Shares are then
         listed, and any applicable federal or state securities law. The
         Committee may cause a legend or legends to be put on any such
         certificates to make appropriate reference to such restrictions.

             (e)  Stock Option Agreement. Each Participant receiving a Stock
         Option shall enter into an agreement with the Company in a form
         specified by the Committee agreeing to the terms and conditions of the
         Stock Option and such related matters as the Committee shall, in its
         sole discretion, determine.

             (f)  Cost of Plan. The costs and expenses of administering the Plan
         shall be borne by the Company.

             (g)  Governing Law. The Plan and all actions taken hereunder shall
         be governed by and construed in accordance with the laws of the State
         of Ohio, except to the extent that federal law shall be deemed
         applicable.

             (h) Effective Date. The Plan shall be effective upon adoption by
         the Board, subject to approval by the Company's shareholders.
         Shareholder approval shall be obtained within one year from the date of
         adoption of the Plan by the Board.<PAGE>

                                  EXHIBIT 4.02

                                 THIRD RESTATED

                          CERTIFICATE OF INCORPORATION

                                       OF

                           CAMCO FINANCIAL CORPORATION

                            (A Delaware Corporation)

                             As Adopted May 26, 1987

                  The following provisions constitute the Third Restated
Certificate of Incorporation of Camco Financial Corporation, which was
originally incorporated on October 19, 1970 under the name First Cambridge
Corporation:

                  FIRST: The name of the corporation is Camco Financial
Corporation.

                  SECOND: The address of the corporation's registered office in
the State of Delaware is: Corporation Trust Center, 1209 Orange Street, County
of New Castle, Wilmington, Delaware 19801. The name of its registered agent at
such address is The Corporation Trust Company.

                  THIRD: The purposes of the corporation are:

                  (l) To acquire and own savings and loan associations; and

                  (2) To engage in any lawful act or activity for which
corporations may be organized under the General Corporation Law of Delaware.

                  FOURTH: The total number of shares of stock which the
corporation shall have authority to issue is two million (2,000,000), of which
stock one million nine hundred thousand (1,900,000) shares shall be common
shares of the par value of One Dollar ($1) each, amounting in the aggregate to
One Million Nine Hundred Thousand Dollars ($1,900,000), and one hundred thousand
(100,000) shares shall be preferred shares of the par value of One Dollar ($1)
each, amounting in the aggregate to One Hundred Thousand Dollars ($100,000).
There is hereby granted to the Board of Directors of the corporation the
authority to fix by resolution or resolutions any and all powers, designations,
preferences and relative, participating, optional or other rights, or the
qualifications, limitations or restrictions thereof, of shares of the preferred
stock, or of any series of the preferred stock, of the corporation that are
permitted by the General Corporation Law of Delaware to be fixed by the Board of
Directors, and such grant of authority shall include the power to specify the
number of shares of any series of the preferred stock of the corporation.

                  FIFTH: The corporation is to have perpetual existence.

                  SIXTH: Whenever a compromise or arrangement is proposed
between this corporation and its creditors or any class of them and/or between
this corporation and its stockholders or any class of them, any court of
equitable jurisdiction within the State of Delaware may, on the application in a
summary way of this

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corporation or of any creditor or stockholder thereof or on the application of
any receiver or receivers appointed for this corporation under the provisions of
Section 291 of Title 8 of the Delaware Code or on the application of trustees in
dissolution or of any receiver or receivers appointed for this corporation under
the provisions of Section 279 of Title 8 of the Delaware Code order a meeting of
the creditors or class of creditors, and/or of the stockholders or class of
stockholders of this corporation, as the case may be, to be summoned in such
manner as the said court directs. If a majority in number representing
three-fourths in value of the creditors or a class of creditors, and/or of the
stockholders or class of stockholders of this corporation, as the case may be,
agree to any compromise or arrangement and to any reorganization of this
corporation as consequence of such compromise or arrangement, the said
compromise or arrangement and the said reorganization shall, if sanctioned by
the court to which the said application has been made, be binding on all the
creditors or class of creditors, and/or all the stockholders or class of
stockholders, of this corporation, as the case may be, and also on this
corporation.

                  SEVENTH: No election of Directors need be by written ballot.

                  EIGHTH: Any Director or the entire Board of Directors may be
removed only by the affirmative vote of not less than 80% of the outstanding
stock entitled to vote at an election of Directors, and such removal may be
effected only for cause; provided, however, that if any class or series of stock
shall entitle the holders thereof to elect one or more Directors, any Director
or all the Directors elected by such holders may be removed only by the
affirmative vote of not less than 80% of the outstanding stock of such class or
series entitled to vote at an election of such Directors, and such removal may
be effected only for cause. Any such removal shall be deemed to create a vacancy
in the Board of Directors.

                  NINTH: When used in the Certificate of Incorporation:

                  (l) An "Affiliate" of a specified Person is a Person that
directly, or indirectly through one or more intermediaries, controls, or is
controlled by, or is under common control with, the Person specified.

                  (2) The term "Associate" used to indicate a relationship with
any Person shall mean (A) any corporation or organization (other than this
corporation or a subsidiary) of which such Person is an officer or partner or
is, directly or indirectly, the beneficial owner of ten percent (10%) or more of
any class of Equity Security, (B) any trust or other estate in which such Person
has a substantial beneficial interest or as to which such Person serves as
trustee or in a similar fiduciary capacity, and (C) any relative or spouse of
such Person, or any relative of such spouse, who has the same home as such
Person, or is an officer or director of any corporation controlling or
controlled by such Person.

                  (3) "Beneficial Ownership" shall be determined pursuant to
Rule 13d-3 of the General Rules and Regulations under the Securities Exchange
Act of 1934 (or any successor rule or statutory provision) or, if said Rule
13d-3 shall be rescinded and there shall be no successor rule or statutory
provision thereto, pursuant to said Rule 13d-3 as in effect on May 26, 1987;
provided, however, that a Person shall, in any event, also be deemed to be the
"Beneficial Owner" of any shares of Voting Stock:

                      (A) that such Person or any of its Affiliates or
                  Associates beneficially own, directly or indirectly; or

                      (B) that such Person or any of its Affiliates or
                  Associates has (i) the right to acquire (whether such right is
                  exercisable immediately or only after the passage of time),
                  pursuant to any agreement, arrangement or understanding (but
                  shall not be deemed to be the beneficial owner of any shares
                  of Voting Stock solely by reason of an agreement, arrangement
                  or understanding with the corporation to effect a Business
                  Combination) or upon the exercise of conversion rights,
                  exchange rights, warrants, or options, or otherwise, or (ii)
                  sole or shared voting or investment power with respect thereto
                  pursuant to any agreement, arrangement, understanding,
                  relationship or otherwise (but shall not be deemed to be the
                  beneficial owner of any shares of Voting Stock

<PAGE>

                  solely by reason of a revocable proxy granted for a particular
                  meeting of stockholders, pursuant to a public solicitation of
                  proxies for such meeting, with respect to shares of which
                  neither such Person nor any such Affiliate or Associate is
                  otherwise deemed the beneficial owner); or

                           (C) that are beneficially owned, directly or a
                  indirectly, by any other Person with which such first
                  mentioned Person or any of its Affiliates or Associates acts
                  as a partnership, limited partnership, syndicate or other
                  group pursuant to any agreement, arrangement or understanding
                  for the purpose of acquiring, holding, voting or disposing of
                  any shares of capital stock of the corporation; and provided
                  further, however, that (i) no Director or officer of the
                  corporation, nor any Associate or Affiliate of any such
                  Director or officer, shall, solely by reason of any or all
                  such Directors and officers acting in their capacities as
                  such, be deemed, for any purposes hereof, to beneficially own
                  any shares of Voting Stock beneficially owned by any other
                  such Director or officer (or any Associate or Affiliate
                  thereof), and (ii) no employee stock ownership or similar plan
                  of the corporation or any Subsidiary nor any trustee with
                  respect thereto, nor any Associate or Affiliate of any such
                  trustee, shall, solely by reason of such capacity of such
                  trustee, be deemed, for any purposes hereof, to beneficially
                  own any shares of Voting Stock held under any such plan.

                  For purposes of computing the percentage Beneficial Ownership
of shares of Voting Stock of a Person in order to determine whether such Person
is a Substantial Stockholder, the outstanding shares of Voting Stock shall
include shares deemed owned by such Person through application of this paragraph
(3) but shall not include any other shares of Voting Stock which may be issuable
by the corporation pursuant to any agreement, or upon the exercise of conversion
rights, warrants or options, or otherwise. For all other purposes, the
outstanding shares of Voting Stock shall include only shares of Voting Stock
then outstanding and shall not include any shares of Voting Stock which may be
issuable by the corporation pursuant to any agreement, or upon the exercise of
conversion rights, warrants or options, or otherwise.

                  (4) The term "Business Combination" shall mean any transaction
which is described in any one or more of the clauses (A) through (E) of
paragraph (1) of Article ELEVENTH of the Certificate of Incorporation.

                  (5) "Continuing Director" shall mean a Person who was a member
of the Board of Directors of the corporation as of May 26, 1987, or thereafter
elected by the stockholders or appointed by the Board of Directors of the
corporation prior to the date as of which the Substantial Stockholder in
question became a Substantial Stockholder, or a Person designated (before his
initial election or appointment as a director) as a Continuing Director by
three-fourths (3/4) of the Whole Board, but only if a majority of the Whole
Board shall then consist of Continuing Directors.

                  (6) "Equity Security" shall have the meaning given to such
term under Rule 3al1-1 of the General Rules and Regulations under the Securities
Exchange Act of 1934, as in effect on May 26, 1987.

                  (7) A "Person" shall mean any individual, firm, corporation or
other entity.

                  (8) "Subsidiary" shall mean any corporation of which a
majority of any class of Equity Security is owned, directly or indirectly, by
the corporation; provided, however, that for the purposes of the definition of
Substantial Stockholder set forth in paragraph (10) of this ARTICLE NINTH, the
term "Subsidiary" shall mean only a corporation of which a majority of each
class of Equity Security is owned, directly or indirectly, by the corporation.

                  (9) "Substantial Part" shall mean assets having a book value
(determined in accordance with generally accepted accounting principles) in
excess of ten percent (10%) of the book value (determined in

<PAGE>

accordance with generally accepted accounting principles) of the total
consolidated assets of the corporation, at the end of its most recent fiscal
year ending prior to the time the determination is made.

                  (10) "Substantial Stockholder" shall mean any Person who or
which, as of the record date for the determination of stockholders entitled to
notice of and to vote on any Business Combination, or immediately prior to the
consummation of any such Business Combination:

                      (A) is the Beneficial Owner, directly or indirectly, of
                  more than fifteen percent (15%) of the shares of Voting Stock
                  (determined solely on the basis of the total number of shares
                  of Voting Stock so Beneficially Owned (and without giving
                  effect to the number or percentage of votes entitled to be
                  cast in respect of such shares) in relation to the total
                  number of shares of Voting Stock then issued and outstanding),
                  or

                      (B) is an Affiliate of the corporation and at any time
                  within three years prior thereto was the Beneficial Owner,
                  directly or indirectly, of more than fifteen percent (15%) of
                  the then outstanding Voting Stock (determined as aforesaid),
                  or

                      (C) is an assignee of or has otherwise succeeded to any
                  shares of capital stock of the corporation which were at any
                  time within three years prior thereto Beneficially Owned by
                  any Substantial Stockholder, and such assignment or succession
                  shall have occurred in the course of a transaction or series
                  of transactions not involving a public offering within the
                  meaning of the Securities Act of 1933.

                  Notwithstanding the foregoing, a Substantial Stockholder shall
not include (a) the corporation or any Subsidiary or (b) any profit-sharing,
employee share ownership or other employee benefit plan of the corporation or
any Subsidiary, or any trustee of or fiduciary with respect to any such plan
when acting in such capacity.

                  (11) "Voting Stock" shall mean any shares of capital stock
of the corporation entitled to vote generally in the election of directors.

                  (12) "Whole Board" shall mean the total number of Directors
which the corporation would have if there were no vacancies; I.E., the whole
authorized number of Directors.

                  TENTH: Any action required or permitted to be taken by the
stockholders of the corporation must be taken pursuant to a vote of such
stockholders at an annual or special meeting of such stockholders that is duly
held pursuant to notice. No action required or permitted to be taken by the
stockholders of the corporation at any annual or special meeting of such
stockholders may be taken pursuant to one or more consents in writing signed by
the holders of all or any other portion of the outstanding stock entitled to
vote on such action. Except as otherwise required by law and subject to any
rights afforded by any provision of the Certificate of Incorporation to holders
of any class or series of capital stock of the corporation having a preference
over the common stock as to dividends or upon liquidation, special meetings of
stockholders of the corporation may be called only by the President or by the
Board of Directors pursuant to a resolution duly adopted by a majority of the
Whole Board or by a writing signed by a majority of the Whole Board.

                  ELEVENTH:

                  (1) In addition to any vote required by law or under any other
provision of the Certificate of Incorporation or any resolution or resolutions
adopted by the Board of Directors pursuant to its authority under Article FOURTH
of the Certificate of Incorporation, and except as otherwise expressly provided
in this Article ELEVENTH:

<PAGE>

                      (A) any merger or consolidation of the corporation or any
                  Subsidiary with or into (i) any Substantial Stockholder or
                  (ii) any other corporation (whether or not itself a
                  Substantial Stockholder) which, after such merger or
                  consolidation, would be an Affiliate of a Substantial
                  Stockholder, or

                      (B) any sale, lease, exchange, mortgage, pledge, transfer
                  or other disposition (in one transaction or a series of
                  related transactions) to or with any Substantial Stockholder
                  of any Substantial Part of the assets of the corporation or of
                  any Subsidiary, or

                      (C) the issuance or transfer by the corporation or by any
                  Subsidiary (in one transaction or a series of related
                  transactions) of any Equity Securities of the corporation or
                  any Subsidiary to any Substantial Stockholder in exchange for
                  cash, securities or other property (or a combination thereof)
                  having an aggregate fair market value equal to or in excess of
                  sixty percent (60%) of the amount of stockholders' equity
                  reflected on the corporation's audited balance sheet as of the
                  end of its most recent fiscal year (which shall be prepared on
                  a consolidated basis by the corporation's independent
                  certified public accountants in accordance with generally
                  accepted accounting principles), or

                      (D) the adoption of any plan or proposal for the
                  liquidation or dissolution of the corporation if, as of the
                  record date for the determination of stockholders entitled to
                  notice thereof and to vote thereon, any person shall be a
                  Substantial Stockholder, or

                      (E) any reclassification of securities (including any
                  reverse stock split) or recapitalization of the corporation,
                  or any reorganization, merger or consolidation of the
                  corporation with any of its Subsidiaries or any similar
                  transaction (whether or not with or into or otherwise
                  involving a Substantial Stockholder) that has the effect,
                  directly or indirectly, of increasing the proportionate share
                  of the outstanding securities of any class of equity
                  securities of the corporation or any Subsidiary which is
                  directly or indirectly Beneficially Owned by any Substantial
                  Stockholder,

shall (except as otherwise expressly provided in the Certificate of
Incorporation) require the affirmative vote of not less than 80% of all
outstanding shares of Voting Stock; provided that such affirmative vote must
include the affirmative vote of a majority of all outstanding shares of Voting
Stock not beneficially owned by the Substantial Stockholder in question. Each
such affirmative vote shall be required notwithstanding the fact that no vote
may be required, or that some lesser percentage may be specified, by law or in
any agreement with any national securities exchange or otherwise.

                  (2) The provisions of this Article ELEVENTH shall not be
applicable to any Business Combination, the terms of which shall be approved,
either in advance of or subsequent to a Substantial Stockholder having become a
Substantial Stockholder, by three-fourths (3/4) of the Whole Board, but only if
a majority of the members of the Board of Directors in office and acting upon
such matter shall be Continuing Directors.

                  (3) A majority of the Continuing Directors then in office
shall have the power to determine for the purposes of this Article ELEVENTH, on
the basis of information known to them:

                      (A) The number of shares of Voting Stock beneficially
                  owned by any Person;

                      (B) Whether a Person is an Affiliate or Associate of
                  another;

                      (C) Whether the assets subject to any Business Combination
                  constitute a Substantial Part of the assets of the corporation
                  in question; and/or

<PAGE>

                      (D) Any other factual matter relating to the applicability
                  or effect of this Article ELEVENTH.

                  (4) A majority of the Continuing Directors then in office
shall have the right to demand that any Person who is reasonably believed to be
a Substantial Stockholder (or holder of record shares of Voting Stock
beneficially owned by any Substantial Stockholder) supply to the corporation
complete information as to:

                      (A) The record owner(s) of all shares beneficially owned
                  by such Person who is reasonably believed to be a Substantial
                  Stockholder;

                      (B) The number of, and each class or series of, shares
                  Beneficially Owned by such Person who is reasonably believed
                  to be a Substantial Stockholder and held of record by each
                  such record owner and the number(s) of the stock
                  certificate(s) evidencing such shares; and

                      (C) Any other factual matter relating to the applicability
                  or effect of this Article ELEVENTH as may be reasonably
                  requested of such Person, and such Person shall furnish such
                  information within 10 days after receipt of such demand.

                  (5) Any determination made by the Board of Directors, or by
the Continuing Directors, as the case may be, pursuant to this Article ELEVENTH
in good faith and on the basis of such information and assistance as was then
reasonably available for such purpose shall be conclusive and binding upon the
corporation and its stockholders, including any Substantial Stockholder.

                  (6) Nothing contained in this Article ELEVENTH shall be
construed to relieve any Substantial Stockholder from any fiduciary obligation
imposed by law.

                  TWELFTH: The Board of Directors of the corporation, when
evaluating any offer of another party to make a tender or exchange offer for any
Equity Security of the corporation to merge or consolidate the corporation with
another corporation, or to purchase or otherwise acquire all or a Substantial
Part of the properties and assets of the corporation, or any proposal for the
liquidation or dissolution of the corporation shall, in connection with the
exercise of its judgment in determining what is in the best interests of the
corporation and its stockholders, give due consideration to all relevant
factors, including without limitation:

                  (A) The best interest of the stockholders. For this purpose,
the Directors shall consider, among other factors, not, only the consideration
offered in relation to the then current market price of the outstanding stock of
the corporation, but also in relation to the current value of the corporation in
a freely negotiated transaction and in relation to the Board of Directors' then
current estimate of the future value of the corporation as an independent entity
or as the subject of a future transaction; and

                  (B) The best interests of depositors of savings institutions
affiliated with the corporation; and

                  (C) Such other factors as the Board of Directors determines to
be relevant, including, among other factors, the social, legal and economic
effects upon (i) employees, suppliers, customers and the business of the
corporation and any Subsidiary and (ii) each community in which the corporation
or any Subsidiary operates or is located.

                  THIRTEENTH: No Director of the corporation shall be liable to
the corporation or its stockholders for monetary damages for breach of fiduciary
duty as a director, except for liability:

                  (1) For any breach of the Director's duty of loyalty to the
corporation or its stockholders,

<PAGE>

                  (2) For acts or omissions not in good faith or which involve
intentional misconduct or a knowing violation of law,

                  (3) Under Section 174 of the General Corporation Law of
Delaware, or

                  (4) For any transaction from which the Director derived an
improper personal benefit.

                  If the General Corporation Law of Delaware is amended after
approval by the stockholders of this Article THIRTEENTH to authorize corporate
action further eliminating or limiting the personal liability of directors, then
the liability of a director of the corporation shall be eliminated or limited to
the fullest extent permitted by the General Corporation Law of Delaware, as so
amended.

                  Any repeal or modification of this Article THIRTEENTH by the
stockholders of the corporation shall not adversely affect any right or
protection of a Director of the corporation existing at the time of such repeal
or modification.

                  FOURTEENTH:

                  (1) Except as otherwise provided in any By-Law adopted by the
stockholders, the By-Laws may be altered, amended or repealed by the affirmative
vote of not less than a majority of the Whole Board; provided, however, that any
By-Law that provides for the division of the Directors into classes having
staggered terms may be adopted, altered, amended or repealed only by the
stockholders.

                  (2) No By-Law of the corporation shall be adopted, repealed,
altered, amended or rescinded by the stockholders of the corporation except by
the affirmative vote of at least 80% of the Voting Stock entitled to vote
thereon. Any amendment to the Certificate of Incorporation which shall
contravene any By-Law in existence on the record date of the meeting of
stockholders at which such amendment is to be voted upon by the stockholders
shall require the affirmative vote of at least 80% of the Voting Stock entitled
to vote thereon.

                  FIFTEENTH:

                  (1) In addition to any requirements of law and any other
provisions of the Certificate of Incorporation or any resolution or resolutions
of the Board of Directors adopted pursuant to Article FOURTH of the Certificate
of Incorporation (and notwithstanding the fact that a lesser percentage may be
specified by law, the Certificate of Incorporation, any such resolution or
resolutions or otherwise), the affirmative vote of at least 80% of the Voting
Stock shall be required to amend, alter or repeal, or to adopt any provision
inconsistent with, Articles EIGHTH, NINTH, TENTH, TWELFTH, THIRTEENTH,
FOURTEENTH or FIFTEENTH of the Certificate of Incorporation, and the affirmative
vote of at least 80% of the Voting Stock, including at least a majority of the
Voting Stock not beneficially owned by a Substantial Stockholder, shall be
required to amend, alter or repeal, or to adopt any provision inconsistent with,
Article ELEVENTH of the Certificate of Incorporation.

                  (2) Subject to the provisions of Paragraph (1) of this Article
FIFTEENTH, the corporation reserves the right to amend, alter, change or repeal
any provision contained in the Certificate of Incorporation, in the manner now
or hereafter prescribed by statute, and all rights conferred on stockholders
herein are granted subject to this reservation.

<PAGE>
                  This Third Restated Certificate of Incorporation was adopted
by the stockholders of Camco Financial Corporation in accordance with the
provisions of Sections 242 and 245 of the General Corporation Law of Delaware
and was executed at Cambridge, Ohio on May 26, 1987.

                                    /s/ Larry A. Caldwell
                                    ------------------------------------
                                    Larry A. Caldwell, President of
                                      Camco Financial Corporation

ATTEST:

/s/ Anthony J. Popp
------------------------------
Anthony J. Popp, Secretary of
  Camco Financial Corporation

<PAGE>

                            CERTIFICATE OF AMENDMENT
                                       OF
                                 THIRD RESTATED
                          CERTIFICATE OF INCORPORATION

                  Camco Financial Corporation, a corporation organized and
existing under and by virtue of the General Corporation Law of the State of
Delaware, DOES HEREBY CERTIFY:

                  FIRST: That at a meeting of the Board of Directors of Camco
Financial Corporation, resolutions were duly adopted setting forth a proposed
amendment to the Third Restated Certificate of Incorporation of said
corporation, declaring said amendment to be advisable and directing that the
amendment be considered at the next annual meeting of the stockholders. The
resolution setting forth the proposed amendment is as follows:
                  RESOLVED, that Article Fourth of the Corporation's Third
         Restated Certificate of Incorporation be amended to read as follows:

                  FOURTH: The total number of shares of stock which the
                  corporation shall have authority to issue is Two Million Six
                  Hundred Thousand (2,600,000), of which stock Two Million Five
                  Hundred Thousand (2,500,000) shares shall be common shares of
                  the par value of One Dollar ($1) each, amounting in the
                  aggregate to Two Million Five Hundred Thousand Dollars
                  ($2,500,000), and one hundred thousand (100,000) shares shall
                  be preferred shares of the par value of One Dollar ($1) each,
                  amounting in the aggregate to One Hundred Thousand Dollars
                  ($100,000). There is hereby granted to the Board of Directors
                  of the corporation the authority to fix by resolution or
                  resolutions any and all powers, designations, preferences and
                  relative, participating, optional or other rights, or the
                  qualifications, limitations or restrictions thereof, of shares
                  of the preferred stock, or of any series of the preferred
                  stock, of the corporation that are permitted by the General
                  Corporation Law of Delaware to be fixed by the Board of
                  Directors, and such grant of authority shall include the power
                  to specify the number of shares to any series of the preferred
                  stock of the corporation.

                  SECOND: That thereafter, pursuant to resolution of its Board
of Directors, a special meeting of the stockholders of said corporation was duly
called and held, upon notice in accordance with Section 222 of the General
Corporation Law of the State of Delaware, at which meeting the necessary number
of shares as required by statute were voted in favor of the amendment.

                  THIRD: That said amendment was duly adopted in accordance with
the provisions of Section 242 of the General Corporation Law of the State of
Delaware.

<PAGE>
                  IN WITNESS WHEREOF, Camco Financial Corporation has caused
this certificate to be signed by Larry A. Caldwell, its President, and attested
by Anthony J. Popp, its Secretary, this 12th day of July, 1994.

                                                By: /s/ Larry A. Caldwell
                                                    ---------------------
                                                    Larry A. Caldwell, President

ATTEST:

By:  /s/ Anthony J. Popp
     -------------------
      Anthony J. Popp, Secretary

<PAGE>

                            CERTIFICATE OF AMENDMENT
                                       OF
                                 THIRD RESTATED
                          CERTIFICATE OF INCORPORATION

                  Camco Financial Corporation, a corporation organized and
existing under and by virtue of the General Corporation Law of the State of
Delaware, DOES HEREBY CERTIFY:

                  FIRST: That at a meeting of the Board of Directors of camco
Financial Corporation, resolutions were duly adopted setting forth a proposed
amendment to the Third Restated Certificate of Incorporation of said
corporation, declaring said amendment to be advisable and directing that the
amendment be considered at a special annual meeting of the stockholders. The
resolution setting forth the proposed amendment is as follows:

                  RESOLVED, that Article Fourth of the Corporation's Third
         Restated Certificate of Incorporation be amended to read as follows:

                  FOURTH: The total number of shares of stock which the
                  corporation shall have authority to issue is Five Million
                  (5,000,000), of which stock Four Million Nine Hundred Thousand
                  (4,900,000) shares shall be common shares of the par value of
                  One Dollar ($1) each, amounting in the aggregate to Four
                  Million Nine Hundred Thousand ($4,900,000) and one hundred
                  thousand (100,000) shares shall be preferred shares of the par
                  value of One Dollar ($1) each, amounting in the aggregate to
                  One Hundred Thousand Dollars ($100,000). There is hereby
                  granted to the Board of Directors of the corporation the
                  authority to fix by resolution or resolutions any and all
                  powers, designations, preferences and relative, participating,
                  optional or other rights, or the qualifications, limitations
                  or restrictions thereof, of shares of the preferred stock, or
                  of any series of the preferred stock, of the corporation that
                  are permitted by the General Corporation Law of Delaware to be
                  fixed by the Board of Directors, and such grant of authority
                  shall include the power to specify the number of shares to any
                  series of the preferred stock of the corporation.

                  SECOND: That thereafter, pursuant to resolution of its Board
of Directors, a special meeting of the stockholders of said corporation was duly
called and held, upon notice in accordance with Section 222 of the General
Corporation Law of the State of Delaware, at which meeting the necessary number
of shares as required by statute were voted in favor of the amendment.

                  THIRD: That said amendment was duly adopted in accordance with
the provisions of Section 242 of the General Corporation Law of the State of
Delaware.

<PAGE>

                  IN WITNESS WHEREOF, Camco Financial Corporation has caused
this certificate to be signed by Larry A. Caldwell, its President, and attested
by Anthony J. Popp, its Secretary, this 23rd day of September, 1996.

                                    By: /s/ Larry A. Caldwell
                                        -------------------------------
                                        Larry A. Caldwell, President

ATTEST:

By: /s/ Anthony J. Popp
    --------------------------------
    Anthony J. Popp, Secretary

<PAGE>

                            CERTIFICATE OF AMENDMENT
                                       OF
                                 THIRD RESTATED
                          CERTIFICATE OF INCORPORATION

                  Camco Financial Corporation, a corporation organized and
existing under and by virtue of the General Corporation Law of the State of
Delaware, DOES HEREBY CERTIFY:

                  FIRST: That at a meeting of the Board of Directors of Camco
Financial Corporation, a resolution was duly adopted setting forth a proposed
amendment to the Third Restated Certificate of Incorporation of said
corporation, declaring said amendment to be advisable and directing that the
amendment be considered at the 1998 annual meeting of the stockholders. The
resolution setting forth the proposed amendment is as follows:

                  RESOLVED, that Article Fourth of the Corporation's Third
Restated Certificate of Incorporation be amended to read as follows:

                  FOURTH: The total number of shares of stock which the
                  corporation shall have the authority to issue is Nine Million
                  (9,000,000), of which stock Eight Million Nine Hundred
                  Thousand (8,900,000) shares shall be common shares of the par
                  value of One Dollar ($1) each, amounting in the aggregate to
                  Eight Million Nine Hundred Thousand Dollars ($8,900,000), and
                  One Hundred Thousand (100,000) shares shall be preferred
                  shares of the par value of One Dollar ($1) each, amounting in
                  the aggregate to One Hundred Thousand Dollars ($100,000).
                  There is hereby granted to the Board of Directors of the
                  corporation the authority to fix by resolution or resolutions
                  any and all powers, designations, preferences and relative,
                  participating, optional or other rights, or the
                  qualifications, limitations or restrictions thereof, of shares
                  of the preferred stock, or of any series of the preferred
                  stock, of the corporation that are permitted by the General
                  Corporation Law of Delaware to be fixed by the Board of
                  Directors, and such grant of authority shall include the power
                  to specify the number of shares to any series of the preferred
                  stock of the corporation.

                  SECOND: That thereafter, at the 1998 annual meeting of
stockholders of said corporation, which was duly called and held, upon notice in
accordance with Section 222 of the General Corporation Law of the State of
Delaware, the necessary number of shares as required by statute were voted in
favor of the amendment.

                  THIRD: That said amendment was duly adopted in accordance with
the provisions of Section 242 of the General Corporation law of the State of
Delaware.

<PAGE>

                  IN WITNESS WHEREOF, Camco Financial Corporation has caused
this certificate to be signed by Larry A. Caldwell, its President, and attested
by Anthony J. Popp, its Secretary, this 29th day of May, 1998.

                                    By: /s/ Larry A. Caldwell
                                        -------------------------------
                                          Larry A. Caldwell, President

ATTEST:

By: /s/ Anthony J. Popp
   ---------------------------------
      Anthony J. Popp, Secretary

<PAGE>

                            CERTIFICATE OF AMENDMENT
                                       OF
                                 THIRD RESTATED
                          CERTIFICATE OF INCORPORATION

                  Camco Financial Corporation, a corporation organized and
existing under and by virtue of the General Corporation Law of the State of
Delaware, DOES HEREBY CERTIFY:

                  FIRST: That at a meeting of the Board of Directors of Camco
Financial Corporation, a resolution was duly adopted setting forth a proposed
amendment to the Third Restated Certificate of Incorporation of said
corporation, declaring said amendment to be advisable and directing that the
amendment be considered at a special meeting of the stockholders. The resolution
setting forth the proposed amendment is as follows:

                  RESOLVED, that Article Fourth of the Corporation's Third
Restated Certificate of Incorporation be amended to read as follows:

                  FOURTH: The total number of shares of stock which the
                  corporation shall have the authority to issue is Fifteen
                  Million (15,000,000), of which stock Fourteen Million Nine
                  Hundred Thousand (14,900,000) shares shall be common shares of
                  the par value of One Dollar ($1.00) each, amounting in the
                  aggregate to Fourteen Million Nine Hundred Thousand Dollars
                  ($14,900,000), and One Hundred Thousand (100,000) shares shall
                  be preferred shares of the par value of One Dollar ($1.00)
                  each, amounting in the aggregate to One Hundred Thousand
                  Dollars ($100,000). There is hereby granted to the Board of
                  Directors of the corporation the authority to fix by
                  resolution or resolutions any and all powers, designations,
                  preferences and relative, participating, optional or other
                  rights, or the qualifications, limitations or restrictions
                  thereof, of shares of the preferred stock, or of any series of
                  the preferred stock, of the corporation that are permitted by
                  the General Corporation Law of Delaware to be fixed by the
                  Board of Directors, and such grant of authority shall include
                  the power to specify the number of shares to any series of the
                  preferred stock of the corporation.

                  SECOND: That thereafter, pursuant to resolution of its Board
of Directors, a special meeting of the stockholders was duly called and held,
upon notice in accordance with Section 222 of the General Corporation Law of the
State of Delaware, at which meeting the necessary number of shares as required
by statute were voted in favor of the amendment.

                  THIRD: That said amendment was duly adopted in accordance with
the provisions of Section 242 of the General Corporation law of the State of
Delaware.

<PAGE>

                  IN WITNESS WHEREOF, Camco Financial Corporation has caused
this certificate to be signed by Larry A. Caldwell, its President, and attested
by Gary E. Crane, its Treasurer, this 20th day of December, 1999.

                                         By: /s/ Larry A. Caldwell
                                             -------------------------------
                                               Larry A. Caldwell, President

ATTEST:

By: /s/ Gary E. Crane
   -----------------------------------------
      Gary E. Crane, Treasurer

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