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Low-Rate Home Equity Line of Credit

When you need more room,

sometimes the best move is not moving at all.

Expand or renovate with some of the lowest Home

Equity rates available.

Running out of room in your home? It doesn't mean you have

to move. With Standard Federal's low-interest Home Equity

Line of Credit, you can keep the home you love and still get the

space you need. It gives you a financially smart way to expand

a kitchen, add a family room, or renovate a bath. You can also

use it for new appliances, furniture, or debt consolidation.

So discover all that's possible with our Home Equity Line

of Credit. Stop by any Standard Federal branch, visit

standardfederalbank.com , or call toll-free (877) 732-8240.

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

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

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4.00°AP/13*

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

True Possibility

ID Member FDIC
WA ©2004 Standard Federal Bank NA.

Standard Federal Bank

ABN AMR()

* 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.

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