X0202 4 2005-01-06 0000814184 TCF FINANCIAL CORP TCB 0001204874 BROWN NEIL W 200 LAKE STREET EAST WAYZATA MN 55391 0 1 0 0 CFO, Treas & Exec VP Common Stock 2005-01-06 4 F 0 30722 30.695 D 162026.964 I Deferred Compensation Plan Common Stock 20000 I By Piper -IRA Common Stock 4856.152 I By KSOP as of 11/30/04 Common Stock 9020.797 I By SERP Trust as of 11/30/04 Common Stock 200 I By Children Common Stock 119278 D The filing of this statement shall not be construed as an admission that the undersigned is, for the purpose of Section 16 of the Securities and Exchange Act of 1934, the beneficial owner of any equity securities covered by this statement other than those owned directly by the undersigned. The shares noted are derivative securities based on the Reporting Person's benefits under a non-qualified plan. Reflects a doubling of the number of shares due to a 100% stock dividend effective 9/3/04. Reflects the transfer of 119,278 shares from the Deferred Comp Plan to directly-owned shares on 1/6/05. Neil W. Brown By POA Pam Hulwi 2005-01-10