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Dividend Reinvestment Plan

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TF Financial Corporation Dividend Reinvestment Plan

Plan Summary
This Plan offers you a convenient method of investing your cash dividends paid and optional cash contributions in additional shares of common stock of TF Financial Corporation without incurring brokerage commissions or administrative costs.

Who May Participate
In order to participate, TF Financial Corporation common stock must be held in your own name, not in the name of a broker. You must own a minimum of 25 shares registered in your name in order to enroll in the Plan.

The Plan
Your cash dividends and optional cash contributions are automatically invested in additional shares of TF Financial Corporation common stock. These shares earn additional dividends which increase your investment in TF Financial Corporation common stock.

Cost To You
Your cost is limited to the price of the shares of common stock purchased for you. The purchase price is the average price of all shares purchased in connection with a given dividend payment. There are no brokerage commissions or service charges connected with such stock purchase. These costs are paid by TF Financial Corporation.

Types of Participation
Full Reinvestment: you may reinvest dividends on all shares registered in your name for the full or fractional shares of TF Financial Corporation Common Stock in accordance with the terms of the Plan.

Additional Purchase: you may purchase additional shares of TF Financial Corporation Common Stock as of the next Investment Date (minimum of $25.00, maximum of $1,000.00 per quarter), in accordance with the Plan.

Enrollment
Interested shareholders can obtain more information or register for this service by contacting the TF Financial Corporate Secretary at 215-579-4000.




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