2002 Annual Report _  Investing in the Future Building for the Future Since 1998, TCF has added 220 new branch locations to our rapidly growing branch network – over 50 percent of our existing branches. In 1998 we invested in our Chicago market by partnering with Jewel-Osco to put TCF supermarket branches in their grocery stores. Jewel-Osco’s commanding Chicago market share enabled us to quickly establish presence and visibility in this important market. Since 1998, we have expanded our relationship with Jewel-Osco and now have branches in most of their stores in the Chicago and Milwaukee areas. We are now reaping the benefits of this investment, as these branches have become profitable and are contributing to future expansion.  Supermarket banking has played a key role in TCF’s ability to provide the most convenient banking services in the markets we serve. Our customers love the convenience of one-stop shopping and banking – and Jewel-Osco continue to play an important role in our expansion strategy, and many customers regularly use both supermarket and traditional branches. The opportunity to add new supermarket locations with our partners has slowed and TCF now has heightened opportunity to support and complement these branches with more new traditional branches. Traditional branches require a higher initial investment, but they act as a visible anchor in our communities, providing convenient, full- service banking not only to our retail customers, but also to our grow- ing commercial and small business customers. In 2003, TCF will focus on traditional branch expansion by adding 18 new traditional branches including eight in Colorado, six in Michigan and four in Illinois. The other key component of TCF’s de novo expansion strategy is the evolution of our convenience products and services. New products attract new customers and allow us to develop additional relation- ships with our existing customers. TCF’s innovative culture fuels our growth in this area. Key to TCF’s growth is our investment in de novo expansion, both in our branch network and in our development of new products and services. Each of these components plays a fundamental and complementary role – adding new branches supports our growing customer base and providing new products and services allows us to attract new customers and deepen our customer relationships. and these lower-cost, high-volume branches become profitable more quickly than traditional branches. Our supermarket branches in Cub Foods DE NOVO GLYPH<ornament20> EXPANSION GLYPH<ornament20> TCF’S INVESTMENTS IN DE NOVO EXPANSION OF OUR BRANCH  NETWORK AND PRODUCT LINES COMPLEMENT EACH OTHER. OUR CONVENIENT LOCATIONS, PRODUCTS AND SERVICES MAKE TCF THE  LEADER IN CONVENIENCE BANKING IN OUR MARKETS. page 10