Beth Shalom Hosts Scholar Then, Prime minus 114% for the life of the line I $10,000+.* 6.00% /1,? Fifth *Third Plus Charter One offers all these added benefits: closing, title or appraisal costs NO NO points or application fee Interest may be d tax deductible* Card convenience Gol Equity Home Already have an Equity Line — Move It! Need an Equity Line — Get It! Dr. Renee Levine Melammed, assistant dean of the Schechter Institute in Jerusalem and academic editor of Nashimi, A Journal of Jewish Women's Studies, will be the scholar in residence at Congregation Beth Shalom Nov. 14-15. Her presentations will include "Defying the Inquisition: The Crypto- Jewish Women of Castile" at Friday night dinner, Nov. 14; "Asenath, the Rosh Yeshiva from Kurdistan," as Saturday's sermon, Nov. 15; "He Said, She Said: A Woman Teacher in 12th Century Cairo" as part of a lunch and learn Saturday. For reservations and dinner and luncheon charges, call the synagogue office, (248) 547-7970. Parental Issues Are Addressed Adat Shalom Synagogue will offer a three-part program to explore issues fac- ing Jewish parents and children today. Clergy, professional staff, social workers and parents will lead sessions 9:30 to 11 a.m. Sunday mornings, Nov. 16, Jan. 18 and March 21. The November program will focus on "Mensch-making: Teaching Your Children Jewish Ethics and Values" and "Using Jewish Teachings to Raise Self- Reliant Children." The programs are sponsored by the Adat Shalom Jewish Family Education Department. Registration for the series includes a complimentary copy of the text by Wendy Mogel. There is a charge. To register, call Tammy Elliott, (248) 851-5100, or mail a check to Ms. Elliott at Adat Shalom Synagogue, 29901 Middlebelt Rd., Farmington Hills, MI 48334. Volunteers Eyed For Chaplaincy The 1.5G% introductory Annual Percentage Rate (APR) is available for the first four months aher activation. After four-month introductory period, fully indexed APR can change monthly based on Prime minus 114°A currently 3.1%. Offer subject to maximum combined 89.99% LTV (loan to value) and a minimum $10,000 draw or balance transfer at time of dosing. The APR is Prime plus a margin, if any, if the $10,000 draw or transfer is not made. Prime is the highest Prime Rate published in the "Money Rates" section of The Wall S tr eet fouma2 Prime is a variable net as it changes, die APR on your account will change. Annual fee of $100 will be due annually after the expiration of twenty-four (24) months from the date of activation of die agreement The Annual fee shall be waived for each year that it is due d, for the immediately preceding 12 months, the average outstanding balance on the credit line account during such 12 months is 20% or more of the line of Credit Maximum APR is 16% lines of Credit are limited to owner-occupied 1-4 family principal residences and are subject to our underwriting standards, which are available upon request Property insurance required. flood insurance may be required. Prepayment fee equal to 1% of highest outstanding loan balance owed since inception of the agreement or $350, whichever is greater, will apply if Line of Credit Agreement is cancelled within one year of activation. Monthly payments of interest only will result in balloon payment at matunty. Offers are good on new line of Credit relationships only and are subject to change without nonce. 11/14 2003 62 Competitive pricing information obtained directly from banks through diligent effort the week of September 29, 2003. Comparison based on a 90% loan-to-value line request "Consult a tax advisor regarding deductibility of interest APRs effective as of October 8, 2003. The Jewish Community Chaplaincy Program will offer a free training session 7-9 p.m. Wednesday, Nov. 19, at Fleischman Residence in West Bloomfield. The topic will be "The Impact of Institutionalization." The speaker will be Margot Parr, executive director, Jewish Home & Aging Services. To register, call Shirley Jarcaig, (248) 661-2999, by Monday, Nov. 17.