At A Glance Introducing... the new Flagstar Money Market Account Tisha b'Av Holiday: Tisha b'Av When It's Observed: The ninth (tisha) day of the Hebrew month of Av. This year, Tisha b'Av begins Wednesday night, July 17, and ends Thursday night, July 18. Why It's Observed: On this day, on two separate occasions, the Holy Temple of Jerusalem was destroyed. Other destructions also have befallen the Jewish people on this day. What We Do: Tisha b'Av is one of only two full fasts on the Jewish calendar. No eat- ing or drinking is permitted from sunset to sundown of the next day (except for those who, because of medical reasons, may not fast). The other full fast is Yom Kippur. Further, on Tisha b'Av, we do not wear leather shoes or use per- fume, bathe for pleasure or engage in marital relations. One is not allowed any enjoyable activity on Tisha b'Av, even the study of Torah, though one may read Eichah (Book of Lamentations) and The Book ofJob. Traditions: Before the fast begins, many will eat a last meal consisting of bread and an egg. Those who study Torah will limit this material to sad topics. Synagogues will take down the curtain on the Ark and subdue the lighting in the sanctuary. The Service: During Maariv (evening) services on Tisha b'Av, we read Eichah in the synagogue after regular davening, or prayer. Those who come to pray sit on the floor or low stools, appropriate for mourners. Those who are still wearing leather shoes will remove them for the servic- es. As they conclude, the congrega- tion says together the following verse from Lamentations: "Turn Thou us unto Thee, 0 Lord, and we shall be turned. Renew our days as of old." Following the reading of Eichah, it is traditional to recite a number of kinot, or dirges. The following day on Tisha b'Av, tefillin and tallit are not be worn dur- ing shoehorn-, the morning service. Anenu ("Answer Us") is recited. This ancient prayer, cited in the Talmud and read on each fast day, calls upon God to "answer us ... in all times of trouble and dis- tress." Anenu also is read during the afternoon service. The Torah reading on Tisha b'Av is Deuteronomy 4:25-40. The subject is Moses' warning to the Children of Israel of their fate should they forsake the Torah (though in the end, they are told, God will have mercy and forgive them). A number of congrega- tions also have chosen to recite special kinot to mark the millions of - Jewish lives lost in the Holocaust. Two of these may be found in The Complete Tisha b'Av Service published by Artscroll. At Minchah, the afternoon service, tallit and tefillin are worn. This service also includes a Torah reading, with haftarah. By this time of day, it is permitted to sit on ordi- nary chairs. ❑ Current APY .50% At the $25,000 Deposit Level MONEY MARKET RATES FINANCIAL INSlittra 1.Flagstar Bank 3.50% APY 2. Huntington Bank 2.25% APY 3. Bank One 2.00% APY 4. Fidelity 1.60% APY 5. UBS Paine Webber 1.57% APY 6. Merrill Lynch 1.50% APY 7. Standard Federal 1.50% APY 8. Comerica 1.40% APY 9. McDonald Investments 1.15% APY 10.American Express 1.04% APY APYs as of 07/02/02 for minimum S25,000 balance. APY information provided by Market Rates Insight. FACA55271 dR® BANK Convenience You Can Count On. FREE Car Flag when you open a new Flagstar checking account!* *Limited time offer while supplies last. Ann Arbor 734-663-9699 734-994-7800 734-214-2265 734-528-2685 Chesterfield 586-421-0388 Livonia 734-953-6890 Detroit 313-832-7971 Madison Heights 248-588-6777 248-543-1817 Belleville 734-699-6639 Farmington Hills 248-324-0013 Pontiac 248-475-0696 Bloomfield Hills 248-988-8613 Fenton 810-714-2734 Rochester 248-652-9792 Troy 248-312-5400 248-288-6559 248-435-0059 Canton Howell 517-552-9655 Roseville 586-778-8043 Waterford 248-674-1380 734-981-4942 MEMBER FDIC Sterling Heights 586-803-1180 586-268-3230 Taylor 313-299-0186 rENDER *FLAGSTAR BANK MONEY MARKET ACCOUNT: Annual Percentage Yield (APY) as of July 2, 2002, is subject to change without notice. Account fees could reduce earnings. APY for balances below $25,000 is 2.00%. Minimum balance required to avoid imposition of fees. A service charge fee of $25 \vill be imposed every statement cycle if the balance in the account falls below $25,000 any day of the cycle. Not available for businesses or public units. Other restrictions may apply. d A 7 / 12 2002 103