2002 Annual Report _  Investing in the Future TCF has a rich history of introducing new products and services. Totally Free Checking, our most popular checking account, is now being rec- ognized and emulated by our competitors. TCF has built a suite of  services around Totally Free Checking, including the TCF Check Card, TCF Express Phone Card, Totally Free Online Banking and free coin count- ing. Our home equity loan products offer unequaled flexibility for cus- tomers seeking a convenient way to access the equity in their homes. TCF Express Trade provides brokerage services at a competitive cost. TCF Small Business banking provides small business customers with a convenient, economical way to manage their deposit funds. Our com- mercial product line was greatly enhanced in 2002 with the addition of TCF Express Business SM , providing Internet banking services to our commercial customer base. TCF Express Leasing (a division of TCF Leasing) through the addition of a sophisticated front-end origina- tion and documentation system enhanced their ability to quickly and conveniently originate and approve lease transactions.  De novo expansion in TCF’s branch network and product lines continue to complement each other, as new products and services and conve- nient locations attract new customers and our branch network supports and grows these relationships by providing the most convenient bank- ing services in our markets. TCF plans to continue our investment  in this successful core strategy in 2003 and beyond. Convenience is a hallmark of TCF’s banking strategy and we continue to lead the financial services industry in providing convenient services and products. At TCF, we listen to our customers and then provide  convenience the way  they define it, whether at our branches, via the telephone, ATM or online. page 11 Electronic banking has changed over the last few years, as the Internet has brought new meaning to the word “convenience.” TCF began offer- ing Internet banking several years ago and now many of our customers regularly log on to bank with us. TCF Totally Free Online$^{SM}$Banking is free – and signing up for the service is quick and easy. In 2002, usage of this popular service increased dramatically and in 2003 it will be enhanced to provide customers with expanded history and transaction capabil- ity. TCF Express Trade online brokerage adds yet another dimension to our Internet banking services, as customers can easily and securely buy or sell investments online at a very competitive cost. TCF also provides a robust suite of products and services for customers who prefer the convenience of banking electronically. Customers may access their accounts for balance information, transfers and other services by calling our Automated Phone System. Our extensive, conve- niently located network of TCF EXPRESS TELLER$^{SM}$ATMs provides easy access to getting cash, making deposits and obtaining account information. TCF customers enjoy the flexibility of branch banking 363 days a year. TCF was a pioneer in its branches being open seven days a week with extended hours; and in 2002, this successful “more open” strategy was expanded to include being open most holidays, not only in our super- market locations, but also in our traditional branches. For customers with busy work and personal lives, our supermarket locations are the ultimate in one-stop shopping and full-service banking convenience. Customers also enjoy free self-service coin counting at TCF Express Coin Service machines in most of our branches, a service that has proven very popular with both children and adults. TCF plans to continue our aggressive branch expansion strategy in 2003 and will open 24 new branches in our markets during the year. GLYPH<ornament20> CONVENIENCE GLYPH<ornament20>