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price 100.00
callable 12/16/04 @ 100

* The annual Percentage Yield represents the interest earned
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investment price of 100. and are accurate as of 05/28/04. Funds
may not be withdrawn until maturity, redemption or sale.

May not be sold to residents of AL, Hi, MT, TX.

Note: While investors may liquidate a callable CD prior to maturi-
ty, they may realize a loss or a gain on their original investment
based on market conditions. The CD may be called at the banks
option on the first call date and on each subsequent call date until
maturity. CD also has a Death Put Option. This CD may be
redeemed at 100 in the event of the holder's death.

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248-258-9030

248-336-9030

2985 W 12 Mile Rd., Suite B
Berkley, MI 48072

248-355-9030

23920 W. Nine Mile Rd.
Southfield, MI 48034

These offers are subject to change in price and/or availability.

633 S. Adams
Birmingham, MI 48009

248-244-9030
158 W Maple Rd.

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Troy, MI 48084

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1-877-BAYLISTERS

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Offering as of 05/28/04

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