Document:

Exhibit 10(b)

SECRETARIAL CERTIFICATION

INDEPENDENT SUBCOMMITTEE

OF THE

PERSONNEL/SHAREHOLDER RELATIONS COMMITTEE

OF

TCF FINANCIAL CORPORATION

October 22, 2001

*************************************************************************

                Following discussion, and upon
motion duly made, seconded and carried, the following resolutions were adopted:

 

APPENDIX
A

TAX WITHOLDING PROCEDURES

UPON VESTING OF RESTRICTED STOCK AWARDS

(10-03-01)

 

These Procedures have
been adopted as an Appendix to the TCF Financial 1995 Incentive Stock Program
by the Independent Sub-Committee of the Personnel Committee of the Board of
Directors of TCF Financial Corporation.

 

Tax Withholding on Vesting of
Restricted Stock

 

	
  Automatic Method of Withholding
  —Net Against the Shares Vesting:  The minimum required
  withholding (28% federal plus applicable state percentage), plus FICA and
  Medicare taxes due, will be deducted from each grant as of the date it
  vests.  Valuation for both the income
  reported and the withholding will equal the fair market value of the stock on
  the vesting date.

  	
   

  	
  Alternative
  Election-Pay by Check: Grantees may elect to pay the withholding by check.
  TCF Legal will calculate the amount due on the vesting date based on fair
  market value on that date. TCF Legal will not distribute shares until the
  check is received.  Election
  Deadline — Two weeks prior to the vesting date.

  
	
  Exception
  for Deferred Grants: Grantees are required to pay FICA and Medicare taxes
  due by check.

  	
   

  	
   

  
	
  Exception
  for Partially Deferred Grants: Withholding and taxes due upon vesting of the grant
  will be netted against the non-deferred portion of the grant with the grantee
  required to pay the balance due, if 
  any, by check.

  	
   

  	
   

  

 

 

1

 

 

•                  Distributions will be sent by U.S. Mail to the home address on file
with the TCF Legal Department unless grantee has provided other delivery
instructions in writing. If grantee has a stock brokerage account,
distributions can be sent to it on a same day basis.

 

•                  These procedures are subject to interpretation and application by the
company, whose interpretations are final.

 

I,
Gregory J. Pulles, Secretary of  TCF
Financial Corporation do hereby certify that the foregoing is a true and
correct copy of excerpt of minutes of the Personnel/Shareholder Relations
Committee TCF Financial Corporation meeting held on October 22, 2001 and that
the minutes have not been modified or rescinded as of the date hereof.

 

(Corporate
Seal)

 

 

Dated:  December 12, 2001

                                                                                                /s/
Gregory J. Pulles                             

                                                                                                Gregory J. Pulles

 

 

2Exhibit 10(c)

 

SECRETARIAL
CERTIFICATION

INDEPENDENT
SUBCOMMITTEE

OF THE

PERSONNEL/SHAREHOLDER
RELATIONS COMMITTEE

OF

TCF FINANCIAL
CORPORATION

October 22, 2001

*************************************************************************

                Following discussion, and upon motion duly made, seconded and carried,
the following resolutions were adopted:

 

APPENDIX B

DISTRIBUTION
PROCEDURES 

(10-03-01)

 

Covered Plans.  These Procedures have been adopted as
Appendices to the following plans: Executive, Senior Officer, and Winthrop
Deferred Compensation Plans and Supplemental Employees Retirement Plan (“SERP”)
- 401-k Plan Portion.

 

Timing of Distribution (Lump Sum vs.
Installment). 
As elected by the employee at the time of joining the plan.  Superceding elections may be made at any
time up to one year prior to distribution.

•                    Lump Sum — 30 days after
“distribution event” (usually, termination of employment).

•                    Installments — First installment is
30 days after distribution event. 
Subsequent installments on February 15th of each succeeding
year.  Each installment amount is
determined by multiplying the account balance on 12/31 of previous year by a
fraction of 1/number of remaining installments.

 

Form of Distribution — Stock or Cash

 

	
  If Your Account is 100% TCF Stock.

  	
   

  	
  If Your Account Contains both TCF Stock and
  Diversified Account.

  	
   

  	
  If Your Account is 100% Diversified
  Account.

  
	
  The
  distribution will be settled entirely in whole shares of TCF Stock (plus cash
  for any fractional share).

  	
   

  	
  Automatic Method — Cash first, then pro
  rata: The distribution will be deducted first
  from any cash/money market balances in your plan account, then pro
  rata  from TCF Stock and
  Diversified Plan Account balances. TCF Stock portion will be made in whole
  shares of TCF Stock (with cash for any fractional share).  Diversified Account portion will be paid
  in cash equal to its value on February 15th.

  	
   

  	
  Automatic Method — Cash first, then pro
  rata: The distribution will be deducted first
  from any cash/money market balances in your plan account, then pro rata from
  the deemed investments in your Diversified Account. The distribution will be
  paid in cash equal to the value on February 15th of the deemed
  investments from which it was deducted.

  

 

 

1

 

 

	
   

  	
  Alternative Elections: 1. You
  may direct the deemed sale of non-TCF stock assets to provide cash for the
  distribution.  2. You may specifically
  designate the assets to apply to the distribution. (Example:  You specify 100% of the distribution will
  come from the Diversified Account).

  	
   

  	
  Alternative Elections: 1. You
  may direct the deemed sale of assets to provide cash for the
  distribution.  2. You may specifically
  designate the assets to apply to the distribution. (Example:  You specify 100% of the distribution will
  come from one particular investment in the Diversified Account).

  
	
   

  	
  Election Deadline: December
  31 of the previous year.

  	
   

  	
  Election Deadline: December
  31 of the previous year.

  

 

Tax Withholding

	
  Automatic Method of Withholding — Net Pro
  rata Against the Distribution: The minimum
  required withholding (28% federal plus applicable state percentage) will be
  deducted from each part of the distribution on a pro rata basis by type of
  asset.  Valuation for both the income
  reported and the withholding will be based on deemed sale price of the
  investment on February 15th.

  	
   

  	
  Alternative Election —
  Pay by
  Check: You may elect to pay the withholding by
  check.  TCF Legal will calculate the
  amount due on February 15th based on average market values on that
  date. TCF Legal must receive check before the distribution will be forwarded
  to you.

  	
   

  	
  Alternative Election —
  Specify
  Netting: You may elect to net the withholding against the
  distribution on some basis other than pro rata.  (Example:  You specify
  that 100% of withholding will come from the Diversified Account portion of
  the distribution.)

  
	
   

  	
   

  	
  Election Deadline — December
  31 of the previous year.

  	
   

  	
  Election Deadline — December
  31 of the previous year.

  

 

•                  Distributions
will be sent by U.S. Mail to your home address on file with the TCF Legal
Department unless you have provided other delivery instructions in
writing.  If you have a stock brokerage
account, distributions can be sent to it on a same day basis.

 

•                  These procedures
are subject to interpretation and application by the company, whose
interpretation is final.

 

 

 

2

 

 

I, Gregory J. Pulles, Secretary of  TCF Financial Corporation do hereby certify
that the foregoing is a true and correct copy of excerpt of minutes of the Personnel/Shareholder
Relations Committee TCF Financial Corporation meeting held on October 22, 2001
and that the minutes have not been modified or rescinded as of the date hereof.

 

(Corporate Seal)

 

 

Dated: 
December 12, 2001

                                                                                                /s/ Gregory J. Pulles                             

                                                                                                Gregory J. Pulles

 

 

 

3Exhibit 10(j)

SECRETARIAL
CERTIFICATION

INDEPENDENT SUBCOMMITTEE

OF THE

PERSONNEL/SHAREHOLDER RELATIONS COMMITTEE

OF

TCF FINANCIAL CORPORATION

October 22, 2001

*************************************************************************

                Following discussion, and upon motion duly made,
seconded and carried, the following resolutions were adopted:

 

APPENDIX B

DISTRIBUTION PROCEDURES 

(10-03-01)

 

Covered
Plans.  These
Procedures have been adopted as Appendices to the following plans: Executive,
Senior Officer, and Winthrop Deferred Compensation Plans and Supplemental
Employees Retirement Plan (“SERP”) - 401-k Plan Portion.

 

Timing
of Distribution (Lump Sum vs. Installment).  As elected by the employee at the time of
joining the plan.  Superceding elections
may be made at any time up to one year prior to distribution.

•                    Lump Sum — 30 days after
“distribution event” (usually, termination of employment).

•                    Installments — First installment is
30 days after distribution event. 
Subsequent installments on February 15th of each succeeding
year.  Each installment amount is
determined by multiplying the account balance on 12/31 of previous year by a
fraction of 1/number of remaining installments.

 

Form
of Distribution — Stock or Cash

 

	
  If Your Account is 100% TCF Stock.

  	
   

  	
  If Your Account Contains both TCF Stock and Diversified Account.

  	
   

  	
  If Your Account is 100% Diversified Account.

  
	
  The
  distribution will be settled entirely in whole shares of TCF Stock (plus cash
  for any fractional share).

  	
   

  	
  Automatic Method — Cash first, then pro rata: The
  distribution will be deducted first from any cash/money market balances in
  your plan account, then pro rata  from TCF Stock and Diversified
  Plan Account balances. TCF Stock portion will be made in whole shares of TCF
  Stock (with cash for any fractional share). 
  Diversified Account portion will be paid in cash equal to its value on
  February 15th.

  	
   

  	
  Automatic Method — Cash first, then pro rata: The
  distribution will be deducted first from any cash/money market balances in
  your plan account, then pro rata from
  the deemed investments in your Diversified Account. The distribution will be
  paid in cash equal to the value on February 15th of the deemed
  investments from which it was deducted.

  

 

 

1

 

 

	
   

  	
  Alternative Elections: 1. You may direct the deemed sale of
  non-TCF stock assets to provide cash for the distribution.  2. You may specifically designate the
  assets to apply to the distribution. (Example:  You specify 100% of the distribution will come from the
  Diversified Account).

  	
   

  	
  Alternative Elections: 1. You may direct the deemed sale of
  assets to provide cash for the distribution. 
  2. You may specifically designate the assets to apply to the
  distribution. (Example:  You specify
  100% of the distribution will come from one particular investment in the
  Diversified Account).

  
	
   

  	
  Election Deadline: December 31 of the
  previous year.

  	
   

  	
  Election Deadline: December 31 of the
  previous year.

  

 

Tax Withholding

	
  Automatic Method of Withholding — Net Pro rata Against the Distribution:
  The minimum required withholding (28% federal plus applicable state
  percentage) will be deducted from each part of the distribution on a pro rata
  basis by type of asset.  Valuation for
  both the income reported and the withholding will be based on deemed sale
  price of the investment on February 15th.

  	
   

  	
  Alternative Election — Pay by Check: You may elect to pay the withholding by
  check.  TCF Legal will calculate the
  amount due on February 15th based on average market values on that
  date. TCF Legal must receive check before the distribution will be forwarded
  to you.

  	
   

  	
  Alternative Election — Specify Netting: You may elect to
  net the withholding against the distribution on some basis other than pro
  rata.  (Example:  You specify that 100% of withholding will
  come from the Diversified Account portion of the distribution.)

  
	
   

  	
   

  	
  Election Deadline — December 31 of the
  previous year.

  	
   

  	
  Election Deadline — December 31 of the
  previous year.

  

 

•                    Distributions will be sent by U.S.
Mail to your home address on file with the TCF Legal Department unless you have
provided other delivery instructions in writing.  If you have a stock brokerage account, distributions can be sent
to it on a same day basis.

 

•                    These procedures are subject to
interpretation and application by the company, whose interpretation is final.

 

 

 

2

 

 

I, Gregory J. Pulles, Secretary of  TCF Financial Corporation do hereby certify
that the foregoing is a true and correct copy of excerpt of minutes of the Personnel/Shareholder
Relations Committee TCF Financial Corporation meeting held on October 22, 2001
and that the minutes have not been modified or rescinded as of the date hereof.

 

(Corporate Seal)

 

 

Dated: 
December 12, 2001

                                                                                                /s/
Gregory J. Pulles                             

                                                                                                Gregory J. Pulles

 

 

 

3

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