- _ - • - - ^ - - - - • - - Talk On Pesach And Sephardim Rabbi Aaron Bergman will speak on "Beans and Rice and Everything Nice: A Sephardic Approach to Passover" 8 p.m. Saturday, March 9, at a private home in Bloomfield Hills as the next program of the Jewish Federation of Metropolitan Detroit's Avenues. Pamel Lippitt and Judy Stern are co- chairs for the event. Bergman serves as an instructor for the Florence Melton Adult Mini School and as director of Jewish studies at the Jewish Academy of Metropolitan Detroit. Reservation deadline is Monday, March 4. There is no charge; a dessert reception will be provided. For reservations, call Alaine Waldshan, (248) 203-1486. Improve your home and your loan. JCC Marks Anniversary The Jewish Community Center will mark its three-quarter century mark of service to the Jewish community at its anniversary celebration 5:30 p.m. Sunday, April 14. The black-tie dinner dance will take place in the JCC in West Bloomfield. The evening will include a video presen- tation by Sari Cicurel and a photograph- ic exhibit coordinated by Barbara Bloom and JCC Board Member Sharon Alterman. Florine Mark Ross and Ronald B. Rich will chair the event. JCC past presidents will be honored. On March 19 at 7 p.m., there will be a panel discussion on "Our Center — Past, Present and Future" at the JCC in West Bloomfield chaired by Debbie Levin. The year-long celebration will conclude with a family carnival and birthday bash on June 9 at the JCC in Oak Park. Chairs are board members Malke Torgow and David Morrison. JCC past presidents Linda Lee and Douglas Bloom are overall chairs of the celebration. Admission is free to the March 19 panel and June 9 carnival. Cost for the April 14 dinner dance is $125 per person. For an invitation to the dinner dance, call the executive offices, (248) 432- 5418. For information on anniversary activities, call Heidi Press, (248) 661- 1000. HOME EQUITY LINE. OF CREDIT 0/0 APR* P Don't let home improvements take a major bite out of your budget. A Standard Federal Bank Home Equity Loan gives you one of the best rates around, plus you pay no closing costs* and your interest may be tax deductible* And it comes with a built-in bonus: A $50 Gift Card for The Home Depot' when you make a draw at closing of $10,000 or more So nail down a great rate and more. Visit any Standard Federal location or call 1-877-732-8240. Standard Federal Bank. A new way to get there' The APR is based on the highest Prime Rate as published in the "Money Rates" section of The Wall Street Journal on the last publishing day of the calendar month immediately preceding the billing cycle. On January 31, 2002, Prime was 4.75% and the Annual Percentage Rate (APR) on Standard Federal's Home Equity Line of Credit products varied between 4.00% and 7.75%, depending on your approved commitment amount and product. Prime is a variable rate; as it changes, the APR on your account will change. The maximum APR is 21%. A balloon payment will result at the end of the ten-year draw period. Standard Federal's Home Equity Lines of Credit are limited to owner-occupied 1-4 unit principal family residences and are subject to no less than a second lien position on your property. You must carry insurance on the property that secures this loan. Flood insurance required if necessary. There is a $50 annual fee after the first year if you are not a Credit Exclusives member. Closing costs paid by Standard Federal Bank are limited to: appraisal, title insurance, flood certification, and recording fees. Any additional fees or conditions imposed by the city, state, or county that the subject property is located in will be the borrower's responsibility. **Consult your tax advisor concerning the deductibility of interest. ***Upon making an initial draw of S10,000 or more at closing on your new Standard Federal Home Equity Line of Credit, or upon closing on your new Standard Federal Fixed-Rate Home Equity Loan of $10,000 or more. you will receive a Gift Card for The Home Depot worth $50. Limit of one Gift Card per loan/line of credit. Offer expires 3/30/02. Additional restrictions may apply. The Gift Card may be considered income for tax purposes. The Home Depot' is a registered trademark of Homer TLC, Inc. Standard Federal Bank is not affiliated with The Home Depot.= N N L1 Standard Federal Bank Member ABN AMRO Group standardfederalbank.com 1110.1/1.11SUC LENDER Member FDIC ©2002 Standard Federal Bank rta Standard Federal S 2002 37