fot a Middle School that will
out child's mind AND spirit?

Parents of
prospective 6th graders

Hillel Day School

announces a NEW

6th Grade
Entry Program

Deadline for applications:

March 15, 2004

32200 Middlebelt Road, Farmington Hills

4C...15ve

For information contact:
Helene Brody, Director of Admissions at 248-539-1483 or hbrodyghillelday.org

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.

., ,0
•25

.,,, , 4.00.A,P(,)*

3150A

APR*

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

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

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

True Possibility

Cr Member FDIC
man ©2004 Standard Federal Bank N . A.

*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 January 30, 2004, 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.

3/ 5

2004

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