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( rType of LoanN e w A m e ric a n C a r N e w F o re ig n C a r U se d C a rP e rs o n a l (S e c u re d ) P e rs o n a l (U n s e c u re d ) H o m e Im p ro v e m e n t H o m e Im p ro v e m e n tH o m e E q u ityAnnualPercentage Rate10.25% *10.75% *11.75% *13.25%14.00%11.50% *12.50% *P rim e R ate + 1 .5 0 % **Maximum Dollar Amount$ 25,00025.00015.00025.0006.5006.5002 0 .0 0 02 0 0 ,0 0 0MaximumTerm48 M o.48 M o .36 M o .60 M o.42 M o.48 M o.60 M o .20 Yr.Get a low-cost Independence loan.%u2022 These are special Annual Percentage Rates for depositors only. Low-cost loans are also available for non-depositors. Rates are subject to change without notice.** Prime Rate as published the last business day of each month in the Wall Street Journal plus 1.50% for depositors. Low rates available for non-depositors.Our way of lending improves your way of living.Gall 1-800-732-3434INDEPENDENCESAVINGS BANKIfe a way of living Since 1850.BROOKLYN OFFICES: Atlantic Avenue & Court Street %u2022 18th Avenue & 65th Street %u2022 18th Avenue & 86th Street %u2022 Newkirk Plaza & Foster AvenueMANHATTAN OFFICE: Lexington Avenue & 34th Street %u2022 BRONX OFFICE: 1416 East Avenue. Parkchester %u2022 QUEENS OFFICE: Bay Terrace Shopping Center, BaysideMAS<%AI l r t F F ir P S - Miiteirte Avonua Fast of Herrioks Road. Williston Park %u2022 A&S ShoDDina Center. Manhasset %u2022 SUFFOLK OFFICE: W alt W hitm an ShoDDina C enter HuntingMember FDICHuntingtonEqual Housing LenderEqual Opportunity LenderJune 5, 1986, TH E P H O E N IX , Page 7