X0202 4 2006-09-22 0001163428 WILLOW FINANCIAL BANCORP, INC. WFBC 0001251830 ADLER MADELEINE WING C/O WILLOW FINANCIAL BANK 170 SOUTH WARNER ROAD WAYNE PA 19087 1 0 0 0 Common Stock 2006-09-22 4 P 0 700 15.512 A 2635 D Stock Option (Right to Buy) 12.5135 2013-06-25 Common Stock 1634 1634 D Stock Option (Right to Buy) 12.8378 2013-06-30 Common Stock 4086 4086 D Includes 1,935 shares awarded pursuant to the 2005 Recognition and Retention Plan that vest over three years at 33.33% per year commencing on January 6, 2007. The option, which originally represented an option to acquire shares of Chester Valley Bancorp Inc. common stock, became fully exercisable as a result of the merger and converted into an option to acquire shares of Willow Financial Bancorp, Inc.'s common stock with the number of shares subject to the option and the exercise price adjusted based on the exchange ratio of 1.4823. /s/ Madeleine Wing Adler 2006-09-26