These terms and conditions shall be governed by the law of New York, without regard to principals of conflicts or choice of laws.©1999-2020 TCF Financial Corporation. At TCF, we're proud to offer services and opportunities designed to help improve everyday life for our customers, our employees and the communities we serve. If you do not agree to these Terms of Use, you are not authorized to use the Site or Contents in any manner, and you should immediately discontinue any use of the Site or the Contents.S&P and/or its Client shall have the right at any time to modify or discontinue any aspect of the Site or any part of the Contents.

It is your responsibility to evaluate the accuracy, completeness or usefulness of any of the Contents available on the Site. S&P and Client reserve all rights in the Contents. The replay will be accessible for 30 days following the fireside chat. The investor relations site ("Site") with which this document is associated is maintained by S&P Global Market Intelligence ("S&P") on behalf of the organization featured on the Site (S&P's "Client"). TCF also conducts business across all 50 states and Canada through its specialty lending and leasing businesses.The investor relations site ("Site") with which this document is associated is maintained by S&P Global Market Intelligence ("S&P") on behalf of the organization featured on the Site (S&P's "Client"). NEITHER, S&P, THE CLIENT NOR EITHER OF THEIR AFFILIATES, SHAREHOLDERS, OFFICERS, EMPLOYEES, AGENTS OR REPRESENTATIVES SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, EXEMPLARY , PUNITIVE SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE SITE, THE USE OF OR INABILITY TO USE THE SITE, OR THE CONTENTS, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. The conference call will be available via a live webcast on the Investor Relations section of TCF's website, ir.tcfbank.com, and archived for replay. TCF is proud to be an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. TCF's links to social media sites By using the Site, you agree to these Terms of Use. These Terms and Conditions of Use ("Terms of Use") set forth the terms on which you may use the Site, and the information and materials contained therein (the "Contents").

It is your responsibility to evaluate the accuracy, completeness or usefulness of any of the Contents available on the Site.

Your continued use of the Site shall constitute acceptance of such modification.S&P and the Client grant to you a limited, personal license to access the Site and to access and download the Contents, but only for your own personal, family and household use. Please seek the advice of professionals regarding the evaluation of any of the information on the Site.The Site does not represent an offer or solicitation with respect to the purchase or sale of any security.These Terms of Use are the entire agreement between the parties with respect to its subject matter, and it can be amended only via written agreement by S&P. You agree not to take any action, alone or with others, that would interfere with the operation of the Site, to alter the Site in any way, or to impede others' access to and freedom to enjoy and use the Site as made available by S&P and S&P’s Client.THE SITE AND THE CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. Please enter zip code

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Your continued use of the Site shall constitute acceptance of such modification.S&P and the Client grant to you a limited, personal license to access the Site and to access and download the Contents, but only for your own personal, family and household use. You agree to monitor these Terms of Use, and to cease all access or use of the Site if you no longer agree to abide by the Terms of Use. You agree not to take any action, alone or with others, that would interfere with the operation of the Site, to alter the Site in any way, or to impede others' access to and freedom to enjoy and use the Site as made available by S&P and S&P’s Client.THE SITE AND THE CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. All Rights Reserved. You may not use, reproduce, distribute or display any portion of the Site for any other purpose, including without limit any commercial purpose. Please seek the advice of professionals regarding the evaluation of any of the information on the Site.The Site does not represent an offer or solicitation with respect to the purchase or sale of any security.These Terms of Use are the entire agreement between the parties with respect to its subject matter, and it can be amended only via written agreement by S&P. By using the Site, you agree to these Terms of Use. Please enter a valid ZIP Code