Low-Rate Home Equity Line of Credit

so that's what it's like to actually

pay off your credit card bills.

Now it's possible to consolidate

high-interest credit card debt into

easy monthly payments.

Take the burden off your budget and

put the bounce back in your step with

Standard Federal's Home Equity Line

of Credit. With some of the lowest rates

around, it allows you to consolidate

high-interest debt into budget-friendly

payments. Plus, it features no closing

costs* and lets you give yourself a

low-interest loan anytime.

So discover all that's possible with

our Home Equity Line of Credit. Stop

by any Standard Federal branch, visit

standardfederalbank.com , or call

(877) 732-8240.

Member FDIC
rEINN ©2003 Standard Federal Bank

NA.

*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 September 30, 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 S50 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.

Because it's
More Than
"Just a Garage"

•Epoxy/Polyurethane
Floor Coating Systems

•Garage Cabinetry
of Unequaled Quality
& Design

•Infinitely Versatile
Organizer Systems

•k. $1\‘,

10/24
2003

36

a e nt - des

Serving Southeastern Michigan
& Northern Ohio

734) 654.1145

www.PremierGaragecom

7F0160::