Move to our low-rate Home Equity Line of Credit and we'll pick up your prepayment penalty. will be the guest lecturer. The program is funded by B'nai Moshe members Dr. Richard and Marci Herman and family. Dr. Herman is a direct descendant of Rabbi Landau. This year's lecture will explore the Noda B'Yehuda's religious outlook and Rabbi Landau's impact and legacy. Cost: $10; reservations not needed. No charge for high-school or college students, profes- sional Jewish educators on staff at local institutions, Chai members of B'nai Moshe and those holding Kolel Moshe Passports to Torah. In addition to the June 29 lecture, Professor Lupovitch will give a three-part lecture series for Kolel Moshe in July tided "Who Killed Jesus? Jewish Responses to the Charge of Deicide." Each session will cover a different period of history and can be attended separate- ly. The dates are 7:30 p.m. Tuesdays July 6, 13 and 20. Cost: $10; RSVP not needed. Nancy Kaplan, (248) 737-1931. Sisterhood Greets Cantor Beginning in mid-June, Temple Beth El Productions will cablecast its "Sisterhood Shabbat Welcomes Cantor Rachel Gottlieb" video program, show- casing the music of the new cantor accompanied by the TBE Adult Choir and pianist Dr. Timothy Huth. _Cantor Gottlieb, originally from Grand Rapids, has 13 years of cantorial experience. The one-hour video pro- gram was produced by Temple Beth El Productions, with videography and editing by Steve & D.D. Fisher of A.A.A. Productions Inc. of Oak Park. Cable systems will offer repeat showings for several weeks following the program's premiere in mid-June. For dates and times, contact your cable company's local-access channel or call Temple Beth El, (248) 851-1100. DVD and VHS copies of the pro- gram are available for sale through Temple Beth El Productions. Call (248) 851-1100 for information. Nursery Kids Graduate Seventeen youngsters recently graduat- ed from Temple Beth El's Helen and Paul Zuckerman Nursery School. The youngsters received diplomas and keys to the temple in a ceremony that fea- tured songs and a slide show. Graduates included Max Abrams, Nina Dickerman, Emma Keer, Tony Malin, Justin Murphy, Sydney Nemeth, Eli Neuner, Emma Neuner, Ethan Neuvirth, Spencer Novick, Jared Pauli, Jared Pazner, Noah Singer, Philip Squire, Kaylee Ulferts, Aaron Weiss and Ben Weiss. 3.25 % APR' $250 000 $500 000 3.50 % APR* $125,000-$249,999 Introducing an equity line that pays instead of penalizes. Make the move from another bank's home equity loan to Standard Federal's, and we'll pay your prepayment penalty or early closure fee — up to $350?" Plus, there are no application fees, no appraisal fees, no closing costs, and no prepayment 3.7 5A1R* $75,000-$124,999 penalties?' You'll benefit from our tiered-rate structure which provides lower rates for larger lines of credit, regardless of how much you borrow. And application is quick and easy. APR* 4. $25,000-$74,999 For more details on this limited-time offer, stop by a nearby branch, call us toll-free at (877) 431 4882, or visit standardfederalbank.com/loans/freedom.html. - True Possibility ir Standard Federal Bank ABN AMR° 653610 *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 combined loan-to-value. On May 28, 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. Details of $350 cash hack offer. Upon closing on your Standard Federal Home Equity Line of Credit or Fixed-Rate Loan of $35,000 or more, you may qualify to receive a reimbursement of any prepayment penalty or early closure fee you incurred when paying off an existing second lien home equity loan with another financial institution of $35,000 or more. The maximum reimbursement you may receive is limited to $350. Limit one reimbursement per qualifying loan. Your new Standard Federal Home Equity Loan must be used to pay off an existing second lien balance of $35,000 or more on the property we are using for collateral. C r This offer may be withdrawn without notice. The reimbursement amount may be considered income to you for tax purposes. You must submit proof of the prepayment penalty or early closure fee you incurred along with the completed reimbursement form you will receive at closing within 60 days of your Standard Federal Home Equity Loan closing date to qualify. Member FDIC. ©2004 Standard Federal Bank N.A. Y o r 'ipt, eite ethAteftA otItte‘oh , Find out why so many people are turning to Kabbalah to give direction to their lives. Study Kabbalah this summer with Rabbi Silberberg, a master teacher and Kabbalist. Sunday mornings, 11:30 - 12:30 Wednesday evenings, 8:00 Sara Tugman Bais Chabad Torah Center 5595 Maple Road • West Bloomfield For more information call the Torah Center at 248.855.6170 6/18 654490 2004 53