Move to our low-rate Home Equity Line of Credit
and we'll pick up your prepayment penalty.
For information on submitting an announcement,
please visit mazeltov@thejewishnews
or call 248.351.5147
"
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June 8
Missy (Shifman) and David Bean of
Huntington Woods are thrilled to
announce the birth of their daughter,
Annabel Sarah Bean. Welcoming
Annabel are big sister Maya and big
brother Adam. Proud grandparents are
Elaine and Arnold Shifman and Phyllis
and Ed Bean. Annabel is named in lov-
ing memory of her great-grandmother
Sarah (Sally) Rothman.
June 5
Susan Knoppow and David Saperstein
of Huntington Woods are delighted to
announce the birth of their son, Joshua
Micah Knoppow Saperstein (Hoshea
Michah). Welcoming him home are
Miriam, 6, and Sammy, 3 1 / 2 . Sharing in
their joy are grandparents Sharon and
Jerry Knoppow of West Bloomfield and
Lynda and Dr. Stanley Saperstein of
Encino, Calif. Joshua Micah is named in
loving memory of his father's cousin
Harold Athey and his maternal great-
grandmother Mary Katz.
$250,000-$500,000
Introducing an equity line that pays instead of penalizes.
$125,000-$249,999
3.75APR*
$75,000-$124,999
4.0 APR*
$25,000-$74,999
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 $3502e 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
ir Standard Federal Bank
) ABN AMR°
859140
*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 back offer. Upon closing on your Standard Federal Home Equity Line of Credit or Fixed-Rate Loan of S35,000 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 S35,000 or more on the property we are using for collateral.
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 D
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. [WM
We Promise You!
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To listen and respond to ads
using your credit card, call
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May 30
Jill (Kahn) and Adam Gantz welcome
with much love the birth of their son,
Michael David (Mordechai David).
Very proud grandparents are Carl Kahn
of Rochester Hills, Alan and Idee Fox of
West Bloomfield and Susanne Gantz of
New York, N.Y. Thrilled great-grandpar-
ents are Dorothy Zeldes of West Bloom-
field and Doris and Nathan Coleman of
Coral Springs, Fla. Michael David is
named in loving memory of his paternal
grandfather Michael A. Gantz and pater-
nal great-grandfather David Kaplan.
May 25
Dr. Beth (Korby) and David Elenko of
Bayside, N.Y., are thrilled to announce the
birth of their beautiful daughter, Alexis
Shayna. Sharing in their excitement are
delighted grandparents Nancy and Dr.
Albert Korby of Farmington Hills and
Carole and Stuart Elenko of the Bronx.
Alexis Shayna is named in loving memory
of her maternal great-grandmother Anne
Jacobs and her paternal great-grandparents
Sally and Harry Rothg-ans.
May 19
Carol and Richard Blurnenstein of
Bloomfield Hills welcome with much
love their daughter, Julia Grace
(Shoshana Yael). She was welcomed also
by big sister Alana and big brother