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Press Release

TCF Bank and King Soopers to Provide Added Convenience to Customers; TCF to Open Branches in Eight Denver-Area King Soopers Stores

Company Release - 5/20/2004 11:49 AM ET

WAYZATA, Minn.--(BUSINESS WIRE)--May 20, 2004--Responding to consumers' growing demand for more convenience in a fast-paced world, TCF Bank and King Soopers will offer in-store banking at eight Denver-area King Soopers stores. Just like TCF's traditional banks, the full-service, in-store branches will be open seven days a week offering longer, more convenient operating hours.

"This relationship with King Soopers supports our overall Colorado growth strategy and allows us to offer our customers the added convenience of banking at their neighborhood King Soopers store," said Wayne Marty, president of TCF Bank Colorado. "Customers look for convenience in where, when and how they bank, and in-store banking addresses all of these needs. Everything our customers can do at our traditional branches, they can do at our King Soopers locations."

"At King Soopers we're always looking for ways to help our customers save time," said Trail Daugherty, consumer affairs director for King Soopers. "Teaming up with TCF to provide in-store banking is a great way to add even more value to their grocery shopping experience."

The addition of the eight King Soopers locations will help TCF meet the needs of a growing customer base and will complement the Bank's new branch expansion strategy in Colorado, which includes the opening of six more traditional branches in Denver and one in Colorado Springs through 2004. With 21 Colorado branches currently, TCF will operate 33 branches in Colorado by the end of this year.

TCF Bank operates in three King Soopers stores currently and will open branches in the following Denver-area King Soopers locations:

    --  5301 W. 38th Ave. (38th & Sheridan), Denver

    --  2750 S. Colorado Blvd. (Colorado & Yale), Denver

    --  1331 Speer Blvd. (13th & Speer), Denver

    --  12167 Sheridan Blvd. (120th & Sheridan), Broomfield

    --  2223 S. Monaco (Monaco & Evans), Denver

    --  1545 S. Kipling (Florida & Kipling), Lakewood

    --  17031 Lincoln Ave. (Lincoln & Jordan), Parker

    --  1155 S. Havana (Havana & Mississippi), Aurora

TCF Bank operates branches in Denver and Colorado Springs. TCF Bank is open seven days a week including most holidays, and weekdays until 8 p.m. The Bank offers a full range of products such as Totally Free Checking, free online banking access, home equity loans, mortgages and commercial real estate loans. A leader in the United States supermarket branch system, TCF operates 237 supermarket branches system wide. For more information about TCF Bank and its products, call 1-888-823-2840 or visit www.tcfexpress.com. TCF Bank is a subsidiary of TCF Financial Corporation (NYSE:TCB), an $11.3 billion financial holding company established in 1923 and based in Wayzata, Minn.

Headquartered in Cincinnati, Ohio, Kroger is one of the nation's largest retail grocery chains. At the end of the third quarter of fiscal 2003, the company operated (either directly or through its subsidiaries) 2,530 supermarkets and multi-department stores in 32 states under two dozen banners including Kroger, Ralphs, Fred Meyer, Food 4 Less, King Soopers, Smith's, Fry's and Fry's Marketplace, Dillons, QFC and City Market. Kroger also operated (either directly or through its subsidiaries or franchise agreements) 798 convenience stores, 445 fine jewelry stores, 442 supermarket fuel centers and 41 food processing plants. Kroger contributed $106 million to local communities and non-profit organizations in 2002. For more information about Kroger, please visit the Web site at www.kroger.com.

    CONTACT: TCF Financial Corporation
, Wayzata
             Jason Korstange, 952-745-2755

    SOURCE: TCF Financial Corporation

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