X0202 4 2007-09-13 0001163428 WILLOW FINANCIAL BANCORP, INC. WFBC 0001235872 COUGHEY DONNA M C/O WILLOW FINANCIAL BANK 170 SOUTH WARNER ROAD WAYNE PA 19087 1 1 0 0 President and CEO Common Stock 2007-09-13 4 P 0 1000 12.28 A 11088 I By Spouse Common Stock 2007-09-13 4 P 0 1000 12.34 A 12088 I By Spouse Common Stock 62551 D Common Stock 15152 I By IRA Common Stock 7598.157 I By Issuer 401(k) Plan Common Stock 1139 I By First Financial Bank ESOP Common Stock 1517.567 I By Issuer ESOP Stock Option (Right to Buy) 8.8095 2012-06-19 Common Stock 2702 2702 D Stock Option (Right to Buy) 12.2286 2013-06-30 Common Stock 18364 18364 D Includes 9,483 shares granted pursuant to the 2005 Recognition and Retention Plan ("RRP") which reflect the unvested portion of a grant amount originally covering 13,548 shares that commenced vesting at a rate of 1/3 per year on January 6, 2007, and was adjusted for the February 2007 stock dividend. Also includes the grant of 12,447 shares pursuant to the RRP that vest over three years at 1/3 per year commencing on January 5, 2008 that originally represented a grant of 11,855 shares which have been adjusted for the February 2007 stock dividend. The 1,035 shares are held in the First Financial Bank Employee Stock Ownership Plan ("ESOP"). Such plan will be terminated and the shares held thereby distributed to participants upon receipt of a qualified determination letter. Does not reflect final allocations of shares held in such ESOP. The option, which originally represented an option to acquire shares of Chester Valley Bancorp Inc. common stock, was converted into an option to acquire shares of the Issuer's common stock and is vesting and exercisable in accordance with its original vesting schedule. /s/ Donna M. Coughey by Neil Kalani, as P.O.A. 2007-09-14