Total Return to ShareholdersGLYPH<CR> (In Dollars) Assumes $100 invested December 31, 1992 with dividends reinvested. Stock Price PerformanceGLYPH<CR> Credit RatingsGLYPH<CR> TCF Financial CorporationGLYPH<HT> SNL All Bank & Thrift IndexGLYPH<HT> S&P 500GLYPH<HT> $900GLYPH<CR> 800GLYPH<CR> 700GLYPH<CR> 600GLYPH<CR> 500GLYPH<CR> 400GLYPH<CR> 300GLYPH<CR> 200GLYPH<CR> 100GLYPH<CR> 0 12/31/92 12/31/93 12/31/94 12/31/95 12/31/96 12/31/97 12/31/98 12/31/99 12/31/00 12/31/01 12/31/02 (In Dollars) Stock PriceGLYPH<CR> Dividend $54GLYPH<CR> 51GLYPH<CR> 48GLYPH<CR> 45GLYPH<CR> 42GLYPH<CR> 39GLYPH<CR> 36GLYPH<CR> 33GLYPH<CR> 30GLYPH<CR> 27GLYPH<CR> 24GLYPH<CR> 21GLYPH<CR> 18GLYPH<CR> 15GLYPH<CR> 12GLYPH<CR> 9GLYPH<CR> 6GLYPH<CR> 3GLYPH<CR> 0 $1.25GLYPH<CR> 1.00GLYPH<CR> 0.75GLYPH<CR> 0.50GLYPH<CR> 0.25GLYPH<HT> GLYPH<CR> 0GLYPH<CR> Year EndingGLYPH<CR> Stock PriceGLYPH<CR> Dividend Paid$^{6-86 12-86}$ 12-87 12-88 12-89 12-90 12-91 12-92 12-93 12-94 12-95 12-96 12-97 12-98 12-99 12-00 12-01 12-02 $3.00 $3.03 $1.72 $2.22 $3.38 $1.91 $4.84 $7.25 $8.50 $10.31 $16.56 $21.75 $33.94 $24.19 $24.88 $44.56 $47.98 $43.69 N/A N/A N/A $0.05 $0.10 $0.10 $0.10 $0.13 $0.19 $0.25 $0.31 $0.38 $0.50 $0.65 $0.75 $0.85 $1.00 $1.15 Last Review Last Rating Action October 2001 Moody’s TCF National Bank: Outlook Stable Issuer A2 Long-term deposits A2 Short-term deposits Prime-1 Bank financial strength C+ Last Review Last Rating Action June 2002 Standard & Poor’s Outlook Positive TCF Financial Corporation: Long-term counterparty BBB Short-term counterparty A-2 TCF National Bank: Long-term counterparty BBB+ Short-term counterparty A-2 Last Review Last Rating Action January 2003 FITCH Outlook Stable Issuer rating B TCF Financial Corporation: Long-term senior  A- Short-term  F1 TCF National Bank: Long-term deposits A Short-term deposits F1