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TCF FINANCIAL CORPORATION 200 Lake Street East, Mail Code EX003A Wayzata, MN 553911693 (612) 6616500 March 19, 2003, Dear Shareholder: You are invited to attend TCF Financial Corporations Annual Meeting

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How to fill out TCF Financial Corporation:

1. Visit the official website of TCF Financial Corporation or go to a branch location near you.
2. Follow the instructions provided on the website or ask a representative at the branch for assistance.
3. Provide the necessary personal information such as your name, address, contact details, and social security number.
4. Fill out the application form accurately, ensuring that all fields are completed.
5. Provide any additional documents that may be required, such as identification proof, income verification, or previous bank statements.
6. Review the filled-out form and documents for any errors or missing information before submitting them.
7. Submit the application either online or in person at the branch location.
8. Wait for approval from TCF Financial Corporation, which may involve a background check or verification process.
9. Once approved, you will receive your account details and any additional information regarding the terms and conditions.
10. Start using your TCF Financial Corporation account for banking services, such as deposits, withdrawals, and online transactions.

Who needs TCF Financial Corporation:

1. Individuals who are in need of banking services such as checking and savings accounts, loans, mortgages, or credit cards may consider TCF Financial Corporation.
2. Small business owners or entrepreneurs who require business banking solutions, including business accounts, lending options, merchant services, and cash management services, can benefit from TCF Financial Corporation.
3. Students who require financial services, including student loans, banking solutions, and tools for managing their finances while studying, may find TCF Financial Corporation useful.
4. Individuals who are looking for a trustworthy and reliable financial institution with a long-standing reputation may choose TCF Financial Corporation for their banking needs.
5. Residents of areas where TCF Financial Corporation has branch locations or an online banking presence can easily access their services and benefit from their offerings.
6. Anyone interested in financial planning or wealth management services, such as investment advisory, retirement planning, or insurance offerings, may find TCF Financial Corporation's services relevant.
7. Individuals or businesses looking for convenient and user-friendly digital banking solutions, such as online banking, mobile banking, or digital payment options, can consider TCF Financial Corporation.

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