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## 18. Employee Benefit Plans 

Pension Plan The TCF Cash Balance Pension Plan (the “Pension Plan”) is a qualified defined benefit plan covering all “regular stated salary” employees and certain part-time employees who are at least 21 years old and have completed a year of eligibility service with TCF. TCF makes a monthly allocation to the participant’s account based on a percentage of the participant’s compensation. The per- centage is based on the sum of the participant’s age and years of employment with TCF. Participants are fully vested after five years of qualifying service. 

Postretirement Plan TCF provides health care benefits for eli- gible retired employees (the “Postretirement Plan”). Effective January 1, 2000, TCF modified the Postretirement Plan by elim- inating the Company subsidy for employees not yet eligible for ben- efits under the Postretirement Plan. The plan provisions for full-time and retired employees then eligible for these benefits were not changed. The Postretirement Plan is an unfunded plan. 

The following table sets forth the status of the Pension Plan and the Postretirement Plan at the dates indicated: 

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N.A. Not applicable. 

