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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. APRs disclosed above assume a combined loan-to-value of 80% or less. On February 28, 2005, Prime was 5.50% and the APR on Standard Federal Bank's Home Equity Line of Credit products varied between 4.75% and 8.50%. 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 tp 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 NM MIN LENDER is located in will be the borrower's responsibility. The APRs are subject to change without notice. Member FDIC. ©2005 Standard Federal Bank NA 972360 DR. MICHAEL GRAY INTRODUCES... Thermage Procedure Newest, Fastest Tip for Best Results Ever! As Seen On Oprah! can tighten skin without surgery • tighter skin without surgery • for lifts of the brow, face and neck without incisions! • reduces signs of aging • approved by the LIS US for treatment of wrinkles around eyes • no incisions • no recovery time • acne treatment • acne scarring 5/5 2005 28 1111011111.w. c lV, D.O. Michigan Cosmetic Surgery Center 248-538-3333 20°/0 OFF • full face 1600 (reg. 20001 • full face and neck 2000 (reg. 2500) Offer available for a limited time (must present coupon at time of purchase) Slop by and give your tote a drink at SHIN Dia 248-539-FACE 6635 Daly Rd. West Bloomfield, MI 48322 www.anewyou.com www.beautibar.com Meet your other half in the personals and find your perfect balance! JEWISH CONNECTOR To listen and respond to ads using your credit card, call 1-866-600-3024 nation by denomination." According to the JCPA's Felson, "The divestment conversation casts such a shadow that dialogue on other issues really becomes secondary." Jewish groups are stressing their unified opposition to divestment, as indicated in the April 22 letter. The move is, in part, a response to the Presbyterian Church USA, which sev- eral Jewish officials said excluded Jewish groups from observing national Presbyterian gatherings. The only Jewish representative at such events has been Jewish Voice for Peace, a far- left group that supports divestment from Israel, Jewish officials said. The Rev. Peter Pettit, a Lutheran and the director of the Institute for Jewish-Christian Understanding at Muhlenherg.College, expressed grati- tude for the April 22 letter. "I appre- ciate the fact that the Jewish leader- ship felt they could write such a letter and not have it become an explosive sort of initiative," he said. "I really don't see it as a threat," but as a "mark of maturity" in expressing the poten- tial impact of the divestment drive. He hopes, he said, that the Protestant community will "take seriously the per- spective that the Jewish community has on the divestment issue." Katharine Rhodes Henderson, a Presbyterian minister who is executive vice president of the Auburn Theological Seminary in New York, said it's still not clear how widespread the divestment move will become. Henderson is one of 25 Presbyterians involved in Presbyterians Concerned for Christian-Jewish Relations, and is part of a New York City-based Presbyterian-Jewish group geared toward reconciliation. Henderson says she and others are working on investment initiatives and discouraging other churches from divestment. Now, "when there is move- ment on the ground," is precisely the time to invest, Henderson said. "What's happening on the ground is giving peo- ple pause," she said, citing the Methodist desire to study the issue fur- ther as a signal of such reconsideration. Even the Presbyterians have yet to take any concrete steps to divest from companies that do business with Israel. For its part, the Jewish community is speaking with one clear voice. "There are certain issues that are red lines for communities," said the AJCommittee's Elcott. "For us, sup- porting divestment is an answer to the question, 'Do you want to have a rela- tionship with the Jews?'" 0