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 DETROIT JEWISH NEWS Budget Generators 24 Hour Emergency Service Home & Commercial Generator Systems Power Problems Outages? Never Lose Plower Again! Light up your whole home Mike Hovey 248.722.5090 or 248.705.3126 from $1995 includes generator SERVICE PANEL $295 Inside, 10 circuit, 100 amp Call for your Free "'— Estimate 846250 JAN 6/25 2004 49