Move to our low-rate Home Equity Line of Credit
and we'll pick up your prepayment penalty.
Jacob Heads Brotherhood
Dr. Bruce Jacob
begins his second
term as president
of the Temple
Beth El
Brotherhood.
Other officers
installed were
Richard Shaye,
Jacob
first vice presi-
dent; Gerald Cole,
second vice president; Larry Warren,
treasurer; Marshall Hersh, assistant
treasurer; Marc Zupmore, recording
secretary; and Bruce Plisner, assistant
recording secretary.
Newly installed directors include
Jerry Beigler, Dr. Adrian Christie,
Robert Cobb, Mark Cooperman,
Martin Darvick, Harold Dunn, Roy
Goodman, Howard Gurwin, Jeff
Hollander, Leo Hollander, Lynn
Jacob, Steve Kelman, John Kessler,
Dr. John Marx, Mitch Nelson, Jerry
Schare, Lee Turner and Chuck
Zamek.
$250 000 $500 000
.5 APR
$125,000-$249,999
Hadassah Names Board
Former chapter and group president
Susan Yorke installed officers and
board members of the Greater
Detroit Chapter of Hadassah's
Tikvah Group at its June installation
luncheon.
Cathy Slavik and Sherrie Stern
will serve as the 2004-2005 co-presi-
dents. Outgoing co-president Nanci
Kantor presented Linda Golding
with the Woman of-the Year award
and Laurel Epstein with the Love of
a Lifetime award for their years of
service to Tikvah Group.
Other 2004-2005 officers and
board members include co-commu-
nity service vice presidents, Sheri
Rotenberg and Elaine Wolfe; co-edu-
cation vice presidents, Sheila Schiffer
and Karen Pollak; fund-raising vice
presidents, Mona Dembs, Sue
Kaufman and Michelle Jacobson; co-
membership vice presidents, Barbara
Charlip and Linda Sherr; co-program
vice presidents, Rhonda Mandel and
Miriam Forman; treasurer, Linda
Glass; recording secretary, Nanci
Kantor; corresponding secretary,
Donna Phillips. Appointed board
members include Betty Chernoff,
Jean Dubin, Linda Golding, Karen
Gunsberg, Jackie Michaelson and
Barbara Moretsky.
For membership information, call
the Hadassah office, (248) 683-5030.
e Y
$75,000-$124,999
4.001.
$25,000-$74,999
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
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.
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
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
Joumal 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 back 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 NA. 1.1174
THANK
YOU
1011 YOUR BUSINESS
JN
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49