We plan to open another 24 branches in 2003, and have plans for even more new branch expansion in the years ahead. As we build out the avail- able supermarket sites, more of our expansion will be in traditional branches in 2003 and in the future. Innovative Products and Services In addition to our de novo branch expansion strategy, innovative products and services continue to contribute to our success. “Totally Free Checking,” “Free Small Business Checking,” home equity loans, debit cards, investment sales and, of course, super- market branch banking have been our most successful innovations. Over the last few years we have introduced TCF Express.com ® (our online banking service), TCF Express Trade (our securities brokerage service), TCF Leasing (one of our equipment leasing subsidiaries), TCF Express Coin SM Service (offering free self-service coin counting to TCF customers), system-wide open seven days-a-week branch banking, and the TCF Express Phone Card SM (free long-distance phone minutes for debit card use). TCF has success- fully used innovation to increase profits and grow our customer base. Supermarket Banking TCF has the fourth largest supermarket branch system in the United States, with 244 supermarket branches. In 2002, supermarket deposits totaled $1.5 billion, an increase of 25 percent over the prior year. Our average interest rate on deposits in supermarket branches is .90 percent. We continue to attract customers through these convenient, full-service branches. Our supermarket branches added over 53,000 new checking accounts during 2002. As the supermarket branches mature, we are selling customers additional products. Our fee income in these branches totaled $160.2 million for the year (up 17 percent from last year). We have consumer lenders in many of our supermarket branches and have proven to many doubters that you can make loans in these branches. We now have over $369.4 million in consumer loans that were originated in supermarket branches, up 21 percent from 2001.  page 5 02 01 00 99 98 311 338 352 375 395  Traditional Branches  Supermarket BranchesGLYPH<CR> Retail Distribution Growth TCF Express Card GLYPH<CR> Interchange Revenue 02 01 00 99 98 $11.1 $19.5 $28.8 $37.6 $46.2 2002 Annual Growth Rate of +23%GLYPH<CR> (millions of dollars) 2002 Annual Report _  Investing in the Future