12 MONTH CERTIFICATE 6.00% 6.13% INTEREST RATE A.P.Y./ 24 MONTH CERTIFICATE 6.00% 171EARTEEST 6.13% first Rate Rates. These are fixed rate certificates of deposit that are insured by the Federal Deposit Insurance Corporation (FDIC). A minimum opening deposit and balance of $500.00 is required to obtain the stated A.P.Y. A.P.Y./ Call 338-7700 352-7700 48 MONTH CERTIFICATE 6 . 0 0 % % TT 6.13 °l0 A.P.Y./ * FIRST SECURITY CAN WE TALK? page 41 even have a wife and one child, Samantha said. While she knows He does not answer all her prayers, talking to God makes her feel better. "A lot of times I ask him for stuff for charity and peace in Israel," Samantha said. Unlike some of the younger children, bar and bat mitzvah age teens gen- erally do not have an image in their mind about God's ap- pearance or where God might be. The nature of their prayers also are different. Many wonder why God al- lowed the Holocaust to hap- pen. Casey Newman, a 12-year- old West Bloomfield resident and student at Adat Shalom - SAviNcis BaNk - First in Service - 12, offers a different view. "Not everyone believes in God, but He believes in everyone because He creat- ed them," Eve said. "He didn't intend for the Holo- caust to happen. If it weren't for God, none of the Jews would have survived the Holocaust." Rachel Boyman, a 12-year- old from West Bloomfield, talks to God on a regular basis. Before her most recent trip to Israel she prayed that her family would be safe in their travels. "Sometimes, when I go to a cemetery, I say words (to God) to make them (the dead) rest in peace," Rachel said. Josh Wool, 12, of Adat Shalom knows God listens to his prayers, but he is not sure Main Office 2600 Telegraph Rd. Bloomfield Hills, Ml 48302 * Annual percentage yield when compounded quarterly. Rate is accurate as of 1/6/95. Penalty for early withdrawal from certificate accounts may be assessed. =-` 7'410 "" • / eig NO . 0. raigeN gas OW IMO eft i0DIDLY w iNksv NEW YEAR'S SALE ,04.C • 1 • 41- 50%45% OFF Selected Clothing & Accessories* 42 286 Maple Birmingham *not subject to prior sale 540-1977 Hebrew School, said as she got older her prayers changed. "I used to talk to God about sil- ly things," she said. "I would ask Him to help me pass a test or I'd pray for a snow day. Now, I pray for serious things like world peace." While Casey occasionally talks to God, she has not de- , cided if she believes there is a God. Much of her skepti- cism is based on the Holo- caust. "It's hard to believe some- times because if there were a God, why did the Holo- caust and all other bad things happen?" Her classmate Eve Posen, how, or if, all his prayers are answered. When he does pray, Josh talks to God about "important things like health or something that will affect me in life." He also prays for good health for his family. Classmate Rachel Daien, 12, of Livonia also prays for her family. She prayed for her grandparents when they underwent surgery. "God can make miracles happen," she said. "I prayed my grandma's surgery would