X0202 4 2007-03-08 0001163428 WILLOW FINANCIAL BANCORP, INC. WFBC 0001235877 TODD EMORY S C/O WILLOW FINANCIAL BANK 170 SOUTH WARNER ROAD WAYNE PA 19087 1 0 0 0 Common Stock 2007-03-08 4 P 0 5000 12.00 A 20183 I By IRA Common Stock 34681 D Stock Option (Right to Buy) 9.25 2012-06-19 Common Stock 8580 8580 D Stock Option (Right to Buy) 12.84 2013-06-30 Common Stock 4086 4086 D Includes 1,290 shares granted pursuant to the 2005 Recogition and Retention Plan ("RRP") which reflect the unvested portion of a grant amount covering 1,935 shares that commenced vesting at a rate of 33.33% per year on January 6, 2007. Also includes the grant of 1,935 shares pursuant to the 2005 RRP that vest over three years at 33.33% per year commencing on January 5, 2008. The option, which originally represented an option to acquire shares of CVAL common stock, became fully exercisable as a result of the merger and converted into an option to acquire shares of the Issuer'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/ Emory S. Todd by Joseph T. Crowley as P.O.A. 2007-03-09