Less than.
Consolidate debt with one of the lowest equity rates in town.
11110/0
30516/
$250 000 MO 000 CREDIT LINE
11
1
3
150i
p!
$100,000-$249,999 CREDIT LINE
IC%
410 APR'
$25,000-S99,999 CREDIT LINE
Greater than.
Plus, get a $50 Gift Card**
You don't have to be a math
whiz to see the financial
advantages of Standard Federal's
Home Equity Line of Credit.
Whether you're using it for
home renovations or to reduce
credit card debt, it gives you one
of the lowest rates around, plus you pay no closing
costs* and your interest may be tax deductible!
And for a limited time, you'll receive an added
bonus: A $50 Gift Card!*
So consolidate debt and add
purchasing power. Stop by any
Standard Federal branch, visit
standardfederalbank.com, or
call 1-877-732-8240.
Standard Federal Bank
Member ABN AMR() Group
standardfederalbank.com
Q
Member FDIC
=MN ©2003 Standard Federal Bank
Standard
Federal
.
N.A.
*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, 2003. Prime was 4.25% and the Annual Percentage Rate (APR) on Standard Federal's Home Equity Line of Credit products varied between
3.50% and 7.25%, 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 family principal 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. 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. There is a S50 annual fee after the
first year if you are not a Credit Exclusives member. See your banker regarding Credit Exclusives. **After making an initial draw at closing of $15,000 or more on your new Standard
Federal Home Equity Line of Credit, or after closing on your new Standard Federal Fixed-Rate Home Equity Loan of $15,000 or more. you will qualify to receive a Gift Card worth $50.
Gift Cards will be mailed within 90 days of closing. Limit of one Gift Card per loan/line of credit. Initial draw amount of $15,000 must be outstanding for 90 days or longer. Additional
restrictions may apply. The Gift Card may be considered income to you for tax purposes. MasterCard"' is a registered trademark of MasterCard International, Inc.
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2/28
2003
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