HOME EQUITY LINE OF CREDIT

3.25

APR*

Credit Lines of
$250,000 to $500,000

3.50

Pay no closing costs* and get the lowest Home Equity rates in years!

With some of the lowest rates ever, Standard Federal's convenient Home
Equity Line of Credit helps you make the major purchases and home

APR*

Credit Lines of
$100,000 - $249,999

4.00

These rates are on the house.

APR*

improvements you've been dreaming of, as well as consolidate debt into
a budget-friendly payment. Best of all, you'll pay no closing costs.*

So get some of the lowest home equity rates in history — before
they're history. To apply, stop by any Standard Federal branch, visit
standardfederalbank.com , or call toll-free 1-877-732-8240.

Credit Lines of
$25,000 - $99,999

*The Annual Percentage Rates (APRs) on Standard Federal Bank's Home Equity Lines of Credit are tied to Prime. Prime is 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. The margin tied to Prime varies and depends on the approved credit line
amount and product On August 29, 2003, Prime was 4.00% and the APR on Standard Federal Bank's Home Equity Line of Credit products varied between 3.25% and 7.00%. 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. The Home Equity Lines 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. There is a $50 annual fee after the first year unless you are a member of Credit Exclusives. Consult your tax advisor concerning the deductibility of interest
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. The APRs are subject to change without notice.

Standard Federal Bank
Member ABN AMR() Group

standardfederalbank.com

VI04,11•131111

Standard
Federal

758670 091903

LENDER

Member FDIC
©2003 Standard Federal Bank N.A.

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