Move to our low-rate Home Equity Line of Credit
and we'll pick up your prepayment penalty.
Cl
new patented 3D complex," said to
diminish fine lines and wrinkles "by
43 percent in the majority of sub-
jects" and protect "against the harm-
ful effects of the environment."
Ahava, whose American office is
based in South Carolina, sells well at
Sephora, especially among those who
"have a social and environmental
conscious regarding personal skin
care," according to a company
spokesman. Among the most popu-
lar items: hand cream, body lotion,
foot cream and soaps.
Ahava's extensive line also includes
bath salts, body wash, shampoo and
Dead Sea Mineral Mud, which the
company labels "miraculous.
Ahava products are available at
wvvw.jewish.com
The ultimate question, though, is
whether these Dead Sea products —
whether the costly Ahava version or
those produced by more minor com-
panies (whose creams can, on a good
day, be found at places like Big
Lots!) actually work.
Avi Zechory of Bloomfield Hills
has no doubt.
"I haven't done scientific testing,"
he says. But Zechory, who has scle-
rodoma, a skin condition with no
known cause, has been using Dead
Sea products for some time now.
Without question, he says, "I'm
improving."
Zechory likes Ahava's hand cream,
which he says is moisturizing and
natural, with none of those heavy
scents often found in other lotions.
Shelly Komer Jackier, also of
Bloomfield Hills, is another fan of
Dead Sea cosmetics. She uses Ahava,
but has tried various Dead Sea
creams and gives them all top grade.
Jackier says she believes the Ahava
night and morning cream has left
her skin and face with "a nice,
smooth texture." It works for both
oily and dry skin. In a word, she
says, "Dead Sea products
are superb." ❑
"
3.254..
$250 000 $500 000
3 .50A,R.
$1 25,000-$249,999
3.75,„R.
- $75,000-$1 24,999
4.005R*
$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 AMRO
862410
*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 $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.
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 Cr
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 rEITEI
LEASE PULL AHEAD IS BACK!
2004 BUICK RENDEZVOUS CX
MSRP
LESS
$27,1 05'
TDAISNICAOR
IONFTF -$2/000
REBATE
Stk# 597276
'V I If'
CHARLIE
WARSHAW
t RFS" C)F . A NA
"AN STN't
TaffiffaRCIFF
BUICK
www.tamaroff.com
-$5,000
"plus tax, fide, plates. All rebates to dealer. General Motors
employees even less. Sale ends August 2nd, 2004.
248-353- 1 300
28585 Telegraph
7/16
South of 12 Mile • Southfield
2004
63