The Courier-Journal from Louisville, Kentucky • Page 10

THE COURIER-JOURNAL DEATHS THURSDAY, SEPTEMBER 11, 1997 B5 SOUTHERN INDIANA Caroline Mooney Browning, 68 Rebecca Sue Cook, 32 Edith Laura Croddy, 90 Julia E. Holt Day, 92 Mary E. Epple, 94 Chester H. Frazier, 76 Wilma L. Lagle Friedman, 71 Virginia Hardwick, 64 Thomas M.

"Mic" Hendrick, 50 Frank "Babe" Humes 56 Edna L. Hunefeld, 93 Thomas L. Kesslnger, 71 William J. Naegele, 83 Ernest M. Vance, 73 She was a native of Harrison County, a retired employee of the former Indiana Bell Telephone Co.

and a member of Telephone Pioneers of America. Survivors: her husband, Edwin J. Friedman; and several nieces and nephews. Funeral: 9:30 a.m. Saturday, St.

Mary Catholic Church. Burial: church cemetery. Visitation: Kraft, Charles-town Road, 1-8 p.m. Friday. NEW ALBANY Thomas L.

Kes-singer, 71, formerly of New Albany, died Tuesday in National City, Calif. He was a retired painting contractor. Survivors: a daughter, Patricia Rol-ing; sisters Norma McKinley and Bo-betta Fougerousse; brothers Michael C. and Jerry S. Kessinger; two grandsons; and two great-grandsons.

Burial: Fort Rosecrans National Cemetery, San Diego. Arrangements: Humphrey's Mortuary, Chula Vista, Calif. NORTH VERNON Ernest M. Vance, 73, died Wednesday at Methodist Hospital in Indianapolis. He was a native of Jennings County, a former Jennings County commissioner, a member of the Jennings County school board, a retired employee of Aecon Engineering, a retired farmer, an Army veteran of World War II, and a member of Disabled Veterans of America and Tea Creek Baptist Church.

Survivors: sons Charles and Kevin Vance; daughters Connie Large, Kay Vance, Susan Niccum, Laurie Barber, Lisa Klosterman and Mindy Brown, a brother Everett Vance; and eight grandchildren. Funeral: 1 p.m. Saturday, Vance-Fisher-Sawyer Burial: Tea Creek man; sisters Marie Epple, Olive Gof-finet, and Minnie and Ruthie Sprinkle; a brother, Charlie McGuines; 38 grandchildren; 60 great-grandchildren; and 20 great-great-grandchildren. Funeral: 10 a.m. Saturday, St.

Augustine Catholic Church, Leopold. Burial: church cemetery. Visitation: Huber, 4-8 p.m. Friday and after 8 a.m. Saturday.

Memorial gifts: the church. TELL CITY Chester H. Frazier, 76, of 205 11th died Wednesday at his home. He was a roller for Inland Steel in Chicago for 30 years, a Navy veteran of World War II and a member of Veterans of Foreign Wars Post 2939. Survivors: his wife, Dorothea Frazier; a son, David Frazier; a daughter, Christine Matthews; brothers Albert and Wilson Frazier; three granddaughters; and three great-grandchildren.

Funeral: 10 a.m. EST Saturday, Zoercher-Gillick. Burial: Calvary, Troy. Visitation: 2-8 p.m. EST Friday and after 8:30 a.m.

Saturday. TELL CITY William J. Naegele, 83, died Wednesday at Scenic Hills Health Care Center in Ferdinand. He was a native of Perry County, and a former employee of Tell City Chair Company and Tell City National Bank. Survivors: daughters Pat Mullen and Linda Smith; sons William W.

and Ronald L. Naegele; sisters Helen Cappozolla and Katherine Floyd; 11 grandchildren; and 10 great-grandchildren. Funeral: 2 p.m. Friday, Huber. Burial: Greenwood Cemetery.

Visitation: 2-8 p.m. Thursday and after 9 a.m. Friday. Memorial gifts: American Heart Association. SOUTHERN INDIANA DEATHS CLARKSV1LLE Caroline L.

Mooney Browning, 68, died Tuesday at Clark County Memorial Hospital in Jeffersonville. She was a native of Dorchester, a retired registered nurse and a member of Veterans of Foreign Wars Floyd County Post 3281 Ladies Auxiliary in New Albany. Survivors: her husband, William Browning a son, Thomas W. Lewis; stepsons Michael and John J. Browning; and a great-grandson.

Funeral: 2 p.m. Thursday, Coots, Jeffersonville. Burial: Walnut Ridge, Jeffersonville. Visitation: after 10 a.m. Thursday.

HOLLAND Edna L. Hunefeld, 93, died Tuesday at Scenic Hills Care Center in Ferdinand. Survivors: daughters Delores Miles and Mary Jane Fasnacht; a sister Alice Ring; four grandchildren; and six great-grandchildren. Funeral: 1 p.m. Friday, Holland United Methodist Church.

Burial: Fairmount Cemetery, Huntingburg. Visitation: Nass, Huntingburg, 2-8 p.m. Thursday and at the church after noon Friday. MADISON Edith Laura Croddy, 90, of Jeffersonville, formerly of Madison, died Wednesday at Clark Memorial Hospital in Jeffersonville. She was a native of Howard County, a self-employed seamstress and a member of First Christian Church.

She also attended Grace United Methodist Church in Kokomo. Survivors: a sister, Bessie Dain; Award from the International Society of Weights and Measures, of which he was a member. He was also a member of Jeffersonville Elk's Club, Covered Bridge Golf Club and Morton Memorial United Methodist Church in Clarksville. Survivors: his wife, the former Barbara L. Colegate; a daughter, Tiffany A.

Hendrick; a son, Thomas A. Hendrick; and his mother, Ann L. Hendrick. Funeral: 11 a.m. Saturday, Kraft, Charlestown Road.

Private entombment: Kraft-Graceland. Visitation: 4-8 p.m. Friday and after 9 a.m. Saturday. Memorial gifts: American Cancer Society.

SEYOUR Julia E. Holt Day, 92, died Tuesday at Lutheran Community Home. She was a former registered nurse. Survivors: her husband, Dr. William D.

Day; daughters Dona Cooper and Helen Clark; a son, William D. Day a brother, Francis Holt; sisters Verna Harris and Marjorie Zorsky; nine grandchildren; and 25 great grandchildren. Funeral: 11 a.m. Saturday, First Baptist Church. Burial: Riverview Cemetery.

Visitation: Voss, 4-8 p.m. Friday and at the church after 10 a.m. Saturday. Memorial gifts: her church or charity. TELL CITY Mary E.

Epple, 94, formerly of Tell City, died Wednesday at Scenic Hills Care Center in Ferdinand. She was a member of St. Paul Catholic Church and Veterans of Foreign Wars Post 673 Ladies Auxiliary. Survivors: sons Maefiel and Marvin James; stepsons Leon, Roman, and Earl Epple; a daughter, Verlee Kunkler; a stepdaughter, Marie Hag- Cemetery. Visitation: 4-8 p.m.

Friday and after 11:30 a.m. Saturday. Memorial gifts: American Leukemia Society or American Cancer Society. PAOLI Rebecca Sue Cook, 32, died Tuesday at her home. She was a native of Portsmouth, and a furniture upholsterer.

Survivors: her parents, Arthur and Sylvia Cook; a brother, Jeffrey Cook; a sister, Karen D. Cook; an aunt and uncle, Glenn and Thelma, who cared for her. The funeral will be private. Burial: Cook's Chapel Cemetery. Visitation' Denbo, English, 3-8 p.m.

Thursday. SALEM Virginia Hardwick, 64, died Tuesday at Washington County Memorial Hospital. She was the former Virginia Collier, a native of Millstone, and a former employee of ICI Americas in Charlestown. Survivors: her husband, D. Paul Hardwick; daughters Dana and Annette Hall; stepdaughters Sandra Sisk, Pamela Monroe and Lisa Meredith; stepsons Michael, Larry and Steven Hardwick; her mother, Bertha Collier; sisters Mora Carey and Carol Caudill; brothers Virgil, Michael, Jerry and Estill Collier; and six grandchildren.

Funeral: 10:30 a.m. Friday, Dawalt. Burial: Crown Hill. Visitation: 4-9 p.m. Thursday and after 9 a.m.

Friday. Memorial gifts- Hospice of Southern Indiana. SELLERSBURG Thomas M. "Mic" Hendrick, 50, died Wednesday at Clark Memorial Hospital in Jeffersonville. He was a native of Louisville, presi dent of Richards Scale and a re cipient of the Technical Excellence Winstead a daughter, P.

Jannene Winstead; sons Hugh L. Keith L. and Eric V. Winstead; a sister, Lois E. Morton; a brother, Donald A.

Morton; and seven grandchildren. Funeral: 11 a.m. Saturday, Broadway Temple A.M.E. Zion Church, 662 S. 13th St.

Burial: Green Meadows Memorial. Visitation: G.C. Williams, 1935 W. Broadway, 2-4 and 7-9 p.m. Friday.

CORRECTED OBITUARY Francis X. "Buck" Phillips, 70, of Hillview, died Monday at Veterans Affairs Medical Center. He was a native of Fredericksburg, a retired employee of Lincoln Income Life Insurance an Army veteran of the Korean War and a member of AmVets Post 9. Survivors: his wife, the former Dorothy Rhodes; a daughter, Susan Phillips; a son, John Phillips; sisters Judy Feldkamp and Freida Vaughn; and brothers Patrick, Billy, Donnie, Bert, Leslie and Freddy Phillips. Funeral: 10 a.m.

Thursday, St. Mary Catholic Church, 299 Crestwood Lane, Hillview. Burial: Highland Memory Gardens, Mount Washington. Arrangements: Schoppenhorst-Neurath Brooks, Preston Highway and Brooks Road. Wednesday at her home.

She was the former Betty Burns; a native of Altoona, and a member of Franklin Street Baptist Church. Survivors: her husband, John E. Summers, a daughter, Lisa K. Summers; and a son, John K. Summers.

Funeral: 10 a.m. Friday, Arch L. Heady Son, 1201 E. Oak St. Burial: Resthaven Memorial.

Visitation: noon-8 p.m. Thursday. Hillard Vincent, 65, died Tuesday at Norton Hospital. He was a native of Edmonson County; retired owner of the old Hillard Vincent Heating and Air, an Army veteran of the Korean War and a member of Lyons Missionary Baptist Church. Survivors: his wife, the former Wil-ladean Esters, and brothers Coy and Alfred Vincent.

Funeral: 10 a.m. Saturday, Owen, 5317 Dixie Highway. Burial: Horse Cave Cemetery, Edmonson County. Visitation: 2-8 p.m. Thursday and Friday John D.

Wade, 71, died Wednesday at his home. He was a native of Big Sandy, a retired mechanic for General Motors in Ypsilanti, where he vorked 30 years; and an Army veteran. czzr rrr m.lamimm-mm I TtimMWmn urvivors: his wife, the former Doris Oiler; a stepson, Dale Duggins; a stepdaughter, Brenda Smith; several sisters and brothers; and three grandchildren. Graveside service: 10 a.m. Thursday, Louisville Memorial Gardens West.

Arrangements: Ratterman's-Southwest. Estill O. Wheeler, 82, died Tuesday at Deaconess Hospital in Evans-ville, Ind. He was a retired employeee of Dixie Cartage warehouse and a member of Teamsters Local 89. Survivors: brothers Raymond William E.

and Delbert T. Wheeler; and a sister, Clara Dorr. He willed his body to the University of Louisville School of Medicine. A private memorial service will be held later. Memorial gifts: Department of Anatomical Sciences, of Health Sciences Center, Room 916, Louisville, 40292.

Phyllis M. Ellis Winstead, 71, of 4518 Winnrose Way, died Monday at Jewish Hospital. She was a retied elementary teacher in the Jefferson County schools and a member of Broadway Temple Retirees Club, Meritoriettes Club and Derbytownettes Toastmistress Club. Survivors: her husband, Hugh L. "-Y tr-rr r-TWffi two granddaughters; and a great-granddaughter.

Funeral: 1 p.m. Saturday, Fenn Shirley Mortuary, Kokomo. Burial: Albright Cemetery. Visitation: 5-8 p.m. Friday and after noon Saturday.

Memorial gifts: Charity Circle of First Christian Church. MADISON Frank "Babe" Humes 56, died Monday at King's Daughters' Hospital. He was an auto mechanic, an Army veteran and a member of American Legion Madison Post 9. Survivors: his mother, Louise Humes; brothers Lawrence, Howard, Kenneth, Willie and Louis Humes; and a sister, Elizabeth Humes. Funeral: 1 p.m.

Friday, Lytle-Gans-Andrew. Burial: Springdale Cemetery. Visitation: after 11 a.m. Friday. NEW ALBANY -Wilma L.

Lagle Friedman, 71, died Wednesday at Floyd Memorial Hospital. LOUISVILLE Charles L. Blankenshlp 83 Margaret Blanton, 79 Marshall Obie Ferguson, 67 Doris Louise Freeman, 66 Ross W. Graham, 74 Delois Foree Gray, 45 Kristoter A. Green, 15 (Story, Page B3) Fredrick Hawkins 52 Robert J.

"Bobby" Hilbert, 53 Adele C. Hunckler, 93 Marie Johnson, 88 Maria "Christi" Lawrence, 26 Josephine R. Leanhart, 76 Edna N. "Eddie" LeMunyon, 85 Anna M. Lish, 97 Earl E.

Melear, 77 Mary Verlin Newton, 94 Sonja Marie Robertson, 41 Anegline Francis Rogers, 87 Emma Alene Scrogham, 87 Betty J. Summers, 71 Hillard Vincent, 65 John D. Wade, 71 Estill O. Wheeler, 82 Phyllis M. Ellis Winstead, 71 CORRECTED OBITUARY Francis X.

"Buck" Phillips, 70 dren; several great-grandchildren; and a friend, Dorothy Dryden, who cared for him. His funeral will be held in Newark. Burial: Fairmont Cemetery, Newark. Memorial service: 2 p.m. Saturday, G.C.

Williams, 1935 W. Broadway. Robert J. "Bobby" Hilbert, 53, died Tuesday in Escondido, Calif. He was a former employee of Metro Parks Department in Louisville.

Survivors: his wife, the former Kathy Robinson; a daughter, Lisa Schackert; his father, Anthony G. Hilbert a brother, Anthony G. Hilbert sisters Joan Ellifritz, Jean Hlavacek and Sharon A. Martin; and three grandchildren. Funeral: 10 a.m.

Saturday, St. Thomas More Catholic Church, 6105 S. Third St. Entombment: Evergreen Mausoleum. Visitation: Joseph E.

Rat-terman Son South End, 7330 Southside Drive, 1-9 p.m. Friday. Adele C. Hunckler, 93, died Tuesday at Twinbrook Nursing Home and Rehabilitation Center. She was a native of Middletown, Ohio, and a retired math teacher in the Louisville and Jefferson County school systems, where she worked 35 years.

Survivors: nieces and nephews. Memorial Mass: 10 a.m. Saturday, Holy Spirit Catholic Church, 3345 Lexington Road. The body will be cremated. Arrangements: Ratterman's, 3711 Lexington Road.

Memorial gifts: Masses for the deceased. Marie Johnson, 88, formerly of Dosker Manor, died Tuesday at Jewish Hospital. She was a native of Mobile, and a member of Massie Zion Baptist Church. Survivors: foster children Melvin and Donna Davis; and friends Fannie Pervis, Hubert Hagan, Theodisa Mil-lette and Juanita Davis, who cared for her. Funeral: noon Saturday, Anderson, 2200 W.

Broadway. The body will be cremated. Visitation: 7-9 p.m. Friday. Maria "Christi" Lawrence, 26, died Wednesday at her home.

She was a participant in Partnerships South. Survivors: tier parents, Frank and Susan Lawrernce; sisters Emilie and Cherie Lawrence; and two grandparents, Dorothy and Alvin Wolf. Funeral: 10 a.m. Saturday, Our Lady of Mount Carmel Catholic Church, 7333 Southside Drive. Burial: Calvary.

Visitation: Joseph E. Ratter-man South End, 7330 Southside Drive, 3-9 p.m. Thursday and Friday. Memorial gifts: Council for Retarded Citizens or Louisville Diversified Services. Josephine R.

Leanhart, 76, died Monday at her horjie. Survivors: sons Michael A Robert William Charles E. and Richard D. Leanhart; a sister, Mary Gallahue; 15 grandchildren; and 17 tit II 4 1ftW-- X' "vV 0 $tm Funeral: noon Friday, St. Paul Catholic Church, 6901 Dixie Highway.

Entombment: Louisville Memorial Gardens West Mausoleum. Visitation: Ratterman's Southwest, 4832 Cane Run Road, 2-9 p.m. Thursday. Memorial gifts: Hospice of Louisville. Edna N.

"Eddie" LeMunyon, 85, died Monday at Jewish Hospital. She was a member of the board of the Council for Retarded Citizens and The Kling Center and a member of St. James Court Association and Performing Arts League of Louisville. She was a volunteer for Conrad-Cald-well Historic Museum and Se- 'or Cultural Connections. Survivors: a son, James J.

LeMunyon a sister, Mary Burgoyne; and a brother, Ray Shontlemire. Memorial Mass: 2 p.m. Friday, St. Louis Bertrand Catholic Church, 1104 S. Sixth St.

Private burial: Calvary. Visitation: the church after the Mass. Arrangements: Barrett-Nusz. Memorial gifts: Council for Retarded Citizens or Community Living Inc. Anna M.

Lish, 97, formerly of Louisville, died Sunday in Stevens Point, Wis. She was the former Anna M. Gar-vey and former owner of a photography business in Louisville and a gift shop in Fort Knox. Survivors: a daughter Tavera Hen ry; a daughter-in-law Ruth F. Lish who cared for her; and five grander'1-dren.

Funeral: 10:30 a.m. Saturday, tt. Wenceslas Catholic Church, Milla-dore, Wis. Burial: church cemetery. Visitation: the church after 9:30 a.m.

Saturday. Arrangements Martens-Kundinger Home, Junction City, Wis. Earl E. Melear, 77, died Wednesday at Vencor Hospital-Louisville. He was a native of Shelby County, a retired lithographer and printer, and an Army Air Forces veteran of World War II.

Survivors: his wife, Mavis A. Melear; sons Danny, Dennis, Pete, Kenny and Leland Melear; a daughter, Vivian Berger; a sister, Christine Allen; and eight grandchildren. Funeral: 11 a.m. Friday, Schmid, Mount Washington. Burial: Highland Memory Gardens, Mount Washington.

Visitation: 6-9 p.m. Thursday and after 9 a.m. Friday. Memorial gifts: American Diabetes Association. Mary Verlin Newton, 94, formerly of Louisville, died Tuesday in Jacksonville, Fla.

She was the former Mary Cecil and a native of Nelson County. Survivors: a daughter, LaVerne Thompson; sons W. Paul and J. Howard Newton; a brother, Alvertus Cecil; nine grandchildren; and 11 greatgrandchildren. Funeral: 10 a.m.

Saturday, St. Louis Bertrand Catholic Church, 1104 S. Sixth St. Entombment: Resthaven Mausoleum. Visitation: Arch L.

Heady Southern 3601 Taylor 2-8 p.m. Friday. Sonja Marie Robertson, 41, died Tuesday at her home. She was the former Sonja Lush. Survivors: her husband, Tommey Robertson; a daughter, Kansas Robertson; her parents, Raymond and JoAnn Lush; and sisters Terri Coates, Donna Mouser and Robin Noon.

Funeral: noon Saturday, Neurath Underwood's, 725 E. Market St. The body will be cremated. Visitation: 2-9 p.m. Friday and 9 a.m.-noon Saturday.

Anegline Francis Rogers, 87, formerly of Louisville, died Monday died Pompano Beach, Fla. She was the former Angeline Gore and a native of Princeton. Survivors: a son, Gregory L. Rogers; a daughter, Judy A. Mudd; a sister, Edith Hancock; five grandchildren; and three great-grandchildren.

Graveside service: Resthaven Memorial, 4400 Bardstown Road, 2 p.m. Thursday. Visitation: Resthaven, after 1 p.m. Thursday. Emma Alene Scrogham, 87, of Buckner, died Tuesday at her home.

She was the former Emma Alene Morrow and a native of Shelby County-Survivors: a son, Edward A. Cook; a brother, Joe Morrow; a sister, Wanda Poole; two granddaughters; and a great-granddaughter. Funeral: 11 a.m. Friday, Arch L. Heady Radcliffe, La Grange.

Burial: Valley of Rest, La Grange. Visitation: 2-9 p.m. Thursday. Betty J. Summers, 71, died LOUISVILLE AREA DEATHS Charles L.

Blankenshlp 83, died Wednesday at Caritas Medical Center. He was a native of Four Mile; a retired boilermaker for Railroad where he worked 46 years; and a member of Shively Christian Church. Survivors: his wife, the former Marjorie Browning; a daughter Norma Jo Howard; a son, Charles Blank-enship a brother, Maurice Blank-enship; sisters Grace Hudson, Julia Baker and Virginia Fee; three grandchildren; and five great-grandchildren. Funeral: 1 p.m. Saturday, Owen, 5317 Dixie Highway.

Burial: Louisville Memorial Gardens West. Visitation: 4-9 p.m. Thursday, 11 a.m.-3 p.m. and 7-9 p.m. Friday, and after 10 a.m.

Saturday. Margaret Blanton, 79, died Wednesday at Baptist Hospital East. She was the former Margaret Fe-gan, a retired teacher at St. Dominic Catholic School in Kingsport, an Army veteran of World War II and a member of Mended Hearts Club. Survivors: a son, the Rev.

Robert M. Blanton; daughters Carole Schuh-mann and Eileen Blanton; sisters Dorothy Burke, Ursula Leonard and Marie Musselman; and five grandchildren. Funeral: 11 a.m. Saturday, Hamlet-Dobson Funeral Home, Kingsport. Burial: Oak Hill Cemetery, Kingsport.

Visitation: Ratterman's, 3800 Bards-town Road, 5-9 p.m. Thursday, and at Hamlet-Dobson Funeral Home, 5-9 p.m. Friday. Memorial gifts: American Heart As sociation or American Cancer Society. Marshall Obie Ferguson, 67, of Shepherdsville, died Tuesday at Jewish Hospital.

He was a native of Nelson County and a farmer. Survivors: a sister, Pauline Glover, and a brother, Clarence Ferguson. Funeral: 11 a.m. Saturday, Schop-penhorst-Neurath Brooks, Preston Highway and Brooks Road. Burial: Brookland Cemetery, Shepherdsville.

Visitation: 5-9 p.m. Thursday and 10 a.m.-9 p.m. Friday. Doris Louise Freeman, 66, formerly of Corbin, died Monday at Columbia Southwest Hospital. She was the former Doris Louise Fields.

Survivors: sisters Mildred T. Terry, Naomi Harbolt, Faye Curtsinger and Patricia Howlett; and a brother, Sidney Fields. Funeral: 2 p.m. Friday, Hart Funeral Home, Corbin. Burial: Cumberland Memorial Gardens, Lily.

Visitation: after 6 p.m. Thursday. Ross W. Graham, 74, died Wednesday at Norton Hospital. He was a native of Kansas City, a retired executive at Suburban Propane in Jeffersontown; an Army veteran of World War II; and a Catholic.

Survivors: a brother, Robert Graham, and a sister, Cora Green. Funeral: 10 a.m. Friday, Highlands, 3331 Taylorsville Road. Burial: Jeffersontown Cemetery. Visitation: 2-9 p.m.

Thursday. Memorial gifts: St. Jude Children's Hospital, 332 N. Lauderdale Memphis, Tenn. 38101.

Delois Foree Gray, 45, died Tuesday at Christopher East nursing home. Survivors: her husband, Leon Gray daughters Denique N. and Tiffany D. Gray; sons Dante F. and Michael D.

Gray; her mother, Dorothy L. Foree; sisters Barbara Spencer, Linda Lamar and Melita Rice; and brothers Charles, Leon and Eric Foree. Funeral: 2 p.m. Saturday, Greater Bethel Apostolic Temple, 834 S. Third St.

Burial: Cave Hill. Visitation: the church, 6-9 p.m. Friday. Arrangements: G.C. Williams.

Fredrick Hawkins 52, of 102 S. 37th died Tuesday at Veterans Affairs Medical Center. He was a native of Newark, N.J.; he was a former corrections officer at the Kentucky State Reformatory; and an Army veteran of the Vietnam and Persian Gulf wars. Survivors: his wife, Geraldine Hawkins; six daughters; four sons; his father, Fredrick Hawkins four sisters; three brothers; a grandmother, Frances Campbell; several grandchil- tww SOMETIMES BEING LOW IS THE WORST. SOMETIMES IT'S THE BEST.

THE GEIEAT RATE HOME EQUITY LOAN Yearning for the perfect loan? Don't look high and low-just look low. It's our Great Rate Home Equity Loan, with a rate well within your reach. You can use the equity in your home for anything at all-home improvements, debt consolidation or college expenses, for example. There are no points, no closing costs and no application fees. The interest could even be tax deductible.

All it takes to get the Great Rate is to choose automatic payments from an NBD checking account. But it's for a limited time. So visit any branch or call 1-800-433-8248 toll-free to apply now for the loan you need at the rate you want. That's like having your pie and eating it too. 8 99 Annua! Percentage Rale (APR) for loans of $15,000 to $49,999 with temns of 85 to 120 morths.

with automatic payment from an NBD checking account. Assuming a $25,000 loan for 120 months, your payment would be $316 33 per month with automatic payment or $319.95 per month without automatic payment (9 24 APR) Owner-occupied 1-4 family property in Michigan, Indiana, Illinois and Florida only with up to 80 Loan-To-Value tu must apply by October 31 1 997 and the loan must close by December 3 1 1 997. Rates subject to change. Call us for our great sj rates available for other loan amounts, terms and lines of credit. 1997 NBD Bank, Member FDIC.

li'notS.