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Press Release

TCF Bank Raises Commercial Base Rate To 5.25% Effective December 14, 2004

Company Release - 12/14/2004 5:16 PM ET

WAYZATA, Minn.--(BUSINESS WIRE)--Dec. 14, 2004--TCF National Bank, a wholly-owned subsidiary of TCF Financial Corporation (NYSE:TCB), will raise its commercial base rate (sometimes referred to as prime rate) from 5.00 percent to 5.25 percent, effective December 14, 2004.

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

    SOURCE: TCF Financial Corporation

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