We'll pay you up to $50

when you open a new Smart Plus checking account.

Smart Plus Checking

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RECEIVE $25 when direct deposit is established

RECEIVE $25 when auto-payment is established

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FINANCIAL ADVANTAGES:

• No minimum balance requirement
• First order of Flagstar custom checks free
• Unlimited checkwriting
• Free traveler's checks
• Free cashier's checks and money order
• Online printable coupons at local merchants
• Interest on all balances
• Free ATM/Visa Check Card

SECURITY ADVANTAGES

• Common carrier accidental death insurance
• 24-hour accidental death insurance
• Payment card protection
• LifeSteps — personal, financial and legal information journal
• Key ring protection

TRAVEL ADVANTAGES

• Cash rewards when you travel
• Sojourns magazine subscription
• ID Network Safety Service
• Discount Saver's Book Club

CONVENIENCE ADVANTAGES

• Telephone shopping service — discounts up to 50%
• Interactive benefits feature — low price guarantee on brand
name products

Ann Arbor
(734) 663-9699 (T)
(734) 994-7800 (T)
(734) 214-2265 (T)
(734) 528-2685 (T)

Detroit
(313) 832-7971 (ISB)

Rochester
(248) 652-9792 (T)

Farmington Hills
(248)324-0013 (T)

Roseville
(586) 778-8043 (ISB)

Belleville
(734) 699-6639 (ISB)

Fenton
(810) 714-2734 (T)

Shelby Twp.
(586) 997-3496 (ISB)

Goodison
(248) 650-6184 (T)

Sterling Heights
(586) 803-1180 (T)
(586) 268-3230 (T)

Howell
(517) 552-9655 (T)

Taylor
(313) 299-0186 (ISB)

Livonia
(734) 953-6890 (T)

Troy
(248) 312-5400 (T)
(248) 288-6559 (T)
(248) 435-0059 (ISB)

Chesterfield Twp.
(586) 421-0388 (ISB)
(586) 716-5074 (T)

Madison Heights
(248) 588-6777 (T)
(248) 543-1817 (ISB)

Waterford
(248) 674-1380 (T)

Clinton Twp.
(586) 263-4971 (T)

Pontiac
(248) 475-0696 (T)

Beverly Hills
(248) 646-6588 (T)

Bloomfield Hills
(248) 988-8613 (T)

Canton
(734) 981-4942 (T)

(T) Traditional Banking Centers:
Drive-Up:
7:30 a.m. - 7:30 p.m. Monday - Friday
8:30 a.m. - 4 p.m. Saturday
Lobby:
8:30 a.m. - 5:30 p.m. Monday - Friday
8:30 a.m. - noon Saturday

Westland
(734) 524-0798 (T)

(ISB) In-Store Banking Centers:
Open 10 a.m. - 7 p.m. Monday - Friday
10 a.m. - 4. p.m. Saturday
noon - 4 p.m. Sunday

PeA557'

BANK

Convenience you can count on.
Convenient sit-down banking.
(800) 642-0039

We'll meet you anywhere,
anytime for a home loan.
(888) LOAN-FSB

Interest rate may change at any time without notice. A maintenance fee of $5 ($4 for accountholders 50 years of age or older) will be charged each month. Some restrictions may apply.

12/13
2002

10

Bonus Money: Receive $25 when direct deposit is established. Bonus money will be deposited into the account once the first direct deposit has been made. Receive
$25whenauto-payment is established. Bonus money will be deposited into the account once first auto-payment has been withdrawn. Bonus money will not be considered
part of the minimum opening deposit. Bonus is considered interest and subject to 1099 reporting. Offer not valid in conjunction with any other checking account offer.

MEMBER FDIC

LENDER