Less than Consolidate debt with one of the lowest equity rates in town. 3.50 0,9 3E7 5% 41 501, 9 , , APR' 5250,000-5500,000 CREDIT LINE S100,000-$249,999 CREDIT LINE $25,000-599,999 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 Standard Federal = Member FDIC Miggil ©2003 Standard Federal Bank 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 $50 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. 0% APR FOR 60 mos OR $3000 REBATE 2003 RENDEZVOUS safes unlimited No need for a safety deposit box! 3.4L, Vb, power windows, CD Stk#522387 LEASE FOR $ 2 3 0/ month 'Plus tax, title & plates. Buick to Buick Lease Loyalty All rebates to Deale r 3/14 2003 4 CHARLIE WARSHAW TallaROFF B U I C K 36 mo. lease, '1719 Total Due* so Security Deposit 248-353-1300 28585 Telegraph South of 12 Mile • Southfield Wall Safes Floor Safes Jewelry Safes Keep your valuables safely stored, right at home, with no monthly fee. 248-738-1500 3375 Orchard Lake Rd.., North of Pontiac Trail Keego Harbor 039040