Consolidate debt with one of the lowest equity rates in town.
3•50 0 i0R* 3.75 0(POR.
S250,000-5500,000 CREDIT LINE
S100,000-5249.999 CREDIT LINE
S25,000-S99,999 CREDIT LINE
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
©2003 Standard Federal Bank
*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.
No need for a
safety deposit box!
General Public ABS, traction control, cassette,
Keep your valuables
safely stored, right at home,
with no monthly fee.
North of Pontiac Trail
Stk. # 109805, $1,257 Due at signing
3375 Orchard Lake Rd.,
Employee $2 3 y
36 mo Lease
,1 , 1
'plus tax, title, & plates. All rebates to dealer, must own/lease GM
products for prices shown. Must qualify for GMS pricing and GM
lease loyalty. 0 security deposit. Sale ends 03/31/03.
South of 12 Mile • Southfield