8-24-98

               WRITTEN ACTION OF THE 16B-3 SUBCOMMITTEE OF THE 
                          PERSONNEL COMMITTEE OF
                         TCF FINANCIAL CORPORATION
                         AND PLAN AMENDMENT FOR 
                     APPROVAL BY BOARD OF DIRECTORS

       Re: Requiring All Distributions to be in the Form of TCF Stock

                              AMENDMENT TO SERP 

     FURTHER RESOLVED, that effective as of September 30, 1998, the TCF 
Supplemental Employees Retirement Plan is amended to require all 
distributions of Accounts invested in TCF Stock to be in the form of TCF 
Stock.


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