Summary of Non-Employee Director Compensation

Cash compensation for each non-employee Director consists of the following:

Annual Retainer of $70,000;

An additional $20,000 annual retainer for each Committee or Subcommittee Chaired by a Director; and

An additional $20,000 annual retainer for the Lead Director.

Employee Directors are not compensated for service as Directors.

Directors Stock Grant Program:

Annually, each non-employee Director receives a grant of TCF common stock equal to $45,000. For any Director elected after a stock grant has been awarded, a pro-rata stock grant is awarded;

The number of shares granted is determined by dividing $45,000 by the average of the high and low prices of TCF common stock on the grant date;

The stock grant vests annually, when the next grant is made;

Dividends are paid on unvested shares at the rate generally paid to holders of TCF common stock; and

Unvested shares will vest if a change in control occurs.

Non-employee Directors may defer fees and stock grants under the TCF Directors Deferred Compensation Plan until the end of their Board service.

TCF offers the TCF Matching Gift Program to supplement donations made by non-employee Directors to charitable organizations of their choice up to a maximum of $20,000 annually.

TCF reimburses Directors for travel and other expenses to attend Board meetings or attend to other Board business as a business expense, and TCF occasionally holds Board retreats at a remote location and pays Directors’ travel and lodging expenses incurred in connection with the meeting, as well as those of the Directors’ spouses or significant others.