X0202 4 2007-01-05 0001163428 WILLOW FINANCIAL BANCORP, INC. WFBC 0001213470 KREMP CHARLES F 3RD C/O WILLOW FINANCIAL BANK 170 SOUTH WARNER ROAD WAYNE PA 19087 1 0 0 0 Common Stock 2007-01-05 4 A 0 1935 0 A 91513 D Stock Option (Right to Buy) 3.9744 2009-10-26 Common Stock 7297 7297 D Stock Option (Right to Buy) 8.3326 2012-01-22 Common Stock 3413 3413 D Stock Option (Right to Buy) 12.79 2012-11-25 Common Stock 32070 32070 D Includes the grant of 3,870 shares pursuant to the 2005 Recognition and Retention Plan ("RRP") that vest over three years at 33.33% per year commencing on the first anniversary of the date of grant and 2,566 shares held in the 2002 RRP 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 commencing on the first anniversary of the date of grant. /s/ Charles F. Kremp 3rd by Neil Kalani as P.O.A. 2007-01-09