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## CORPORATE PROFILE 

TCF Financial Corporation is a Wayzata, Minnesota-based national financial holding company with $12.2 billion in assets. TCF has 395 banking offices in Minnesota, Illinois, Michigan, Wisconsin, Colorado and Indiana. Other TCF affiliates provide leasing and equipment finance, mortgage banking, brokerage, and investments and insurance sales. 

## TABLE OF CONTENTS 

page 1 Financial Highlights page 2 Letter to Our Shareholders page 9 Business Highlights 

page 18 Corporate Philosophy page 20 Financial Review page 46 Consolidated Financial Statements 

page 51 Notes to Consolidated Financial Statements page 76 Independent Auditors’ Report 

page 77 Other Financial Data page 78 Corporate Information page 80 Shareholder Information 

## INVESTING IN THE FUTURE 

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The title “Investing in the Future” and the artwork in our 2002 annual report reflect TCF’s strategy of investing in our franchise. 

We plant the seeds of growth by investing in new banking facilities and convenient products and services. These investments may reduce our profits in the short term, but they are proven providers of long-term growth and profitability. Like an orchard, TCF is subject to changes in the environment. We use our experience to buffer elements such as a challenging business climate, unfriendly economy and changing laws and regulations. We have confidence in our proven strategies and the patience to continue investing for the future. Like apple trees in an orchard, we expect our invest- ments to bear fruit for many, many years. 

