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Press Release

TCF Hosts Teleconference To Discuss 2004 Year-End and Fourth Quarter Earnings on January 13 at 10:00 a.m. CT

Company Release - 12/28/2004 12:55 PM ET

WAYZATA, Minn.--(BUSINESS WIRE)--Dec. 28, 2004--TCF Financial Corporation (TCF) (NYSE:TCB) is hosting a teleconference to discuss its 2004 year-end and fourth quarter financial results on Thursday, January 13, 2005 at 10:00 a.m. Central Time. TCF Chairman and Chief Executive Officer, William A. Cooper, is hosting the teleconference and will be joined by other TCF executives. If you would like to listen to TCF's live teleconference, please dial (800) 642-1385. To listen to the replay of TCF's teleconference, please dial (800) 642-1687 and enter conference ID # 3002657 during the following dates and times:

   Replay begins two hours after the call is completed on Thursday,
   January 13th and will be available through Friday, January 21st.

TCF's teleconference will also be webcast live on TCF's website, www.tcfexpress.com. The link to TCF's live webcast can be found by clicking on About TCF/Investor Relations/Audio. Additionally, the teleconference will be archived for replay on TCF's website.

TCF is a Wayzata, Minnesota-based national financial holding company with $12 billion in assets. TCF has 419 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.

    CONTACT: TCF Financial Corporation
, Wayzata
             Jason Korstange, 952-745-2755
             www.TCFExpress.com

    SOURCE: TCF Financial Corporation

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