X0202 4 2006-11-28 0001163428 WILLOW FINANCIAL BANCORP, INC. WFBC 0001213474 LORING ROSEMARY C C/O WILLOW FINANCIAL BANK 170 SOUTH WARNER ROAD WAYNE PA 19406 1 0 0 0 Common Stock 2006-11-28 4 S 0 477 15.20 D 14186 D Common Stock 2006-11-28 4 S 0 300 15.23 D 13886 D Common Stock 2006-11-28 4 S 0 400 15.25 D 13486 D Common Stock 2006-11-28 4 S 0 1388 15.26 D 12098 D Common Stock 11500 I By Spouse Common Stock 20100 I By IRA Stock Option (Right to Buy) 8.3326 2012-01-22 Common Stock 22507 22507 D Stock Option (Right to Buy) 12.79 2012-11-25 Common Stock 32070 32070 D Includes a grant of 1,935 shares pursuant to the 2005 Recognition and Retention Plan that vest over three years at 33.33% per year commencing on January 6, 2007, and 5,132 shares held in the 2002 Recognition and Retention Plan Trust allocated to the reporting person that vest in five equal annual installments beginning on the first anniversary of the date of grant. The options vest at a rate of 20% per year beginning on the first anniversary of the date of grant. /s/ Rosemary C. Loring 2006-11-29