-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, GPAh77397qc1E9MaeyldWly52E3l23jeasWKeffkyh/TBEj18ziekq4A1a2sLg1L 0Kb2pI0lRvgwjHS+zu5wHQ== 0000950116-01-501182.txt : 20020411 0000950116-01-501182.hdr.sgml : 20020411 ACCESSION NUMBER: 0000950116-01-501182 CONFORMED SUBMISSION TYPE: 424B3 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20011119 FILER: COMPANY DATA: COMPANY CONFORMED NAME: AMERICAN BUSINESS FINANCIAL SERVICES INC /DE/ CENTRAL INDEX KEY: 0000772349 STANDARD INDUSTRIAL CLASSIFICATION: MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162] IRS NUMBER: 870418807 STATE OF INCORPORATION: DE FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 424B3 SEC ACT: 1933 Act SEC FILE NUMBER: 333-63014 FILM NUMBER: 1795701 BUSINESS ADDRESS: STREET 1: 111 PRESIDENTIAL BLVD STREET 2: STE 215 CITY: BALA CYNWYD STATE: PA ZIP: 19004 BUSINESS PHONE: 6106682440 MAIL ADDRESS: STREET 1: 111 PRESIDENTIAL BLVD STE 215 CITY: BALA CYNWYD STATE: PA ZIP: 19004 FORMER COMPANY: FORMER CONFORMED NAME: GERIACO INTERNATIONAL INC /DE/ DATE OF NAME CHANGE: 19930308 FORMER COMPANY: FORMER CONFORMED NAME: KINGSWAY ENTERPRISES INC DATE OF NAME CHANGE: 19860327 424B3 1 four24b3.txt FOUR24B3.TXT Filed Pursuant to Rule 424(b)(3) File No. 333-63014 AMERICAN BUSINESS FINANCIAL SERVICES, INC. INVESTMENT NOTES RENEWALS ONLY RATE SUPPLEMENT PROSPECTUS SUPPLEMENT DATED 11/12/01 Rates effective November 30, 2001 through December 17, 2001 Term Rate Annual Yield* --------------------------------------------------------------- 3-5 mos. 5.85% 6.02% 6-11 mos. 7.00% 7.25% 12-17 mos. 8.35% 8.70% 18-29 mos. 9.00% 9.41% 30-47 mos. 8.60% 8.98% 48-59 mos. 8.75% 9.14% 60-119 mos. 9.25% 9.69% 120 mos. 9.50% 9.96% Money Market Note 5.35% 5.49% --------------------------------------------------------------- Minimum Investment for Investment Notes and Money Market Notes is $1,000 AMERICAN BUSINESS FINANCIAL SERVICES, INC. IS A NASDAQ LISTED COMPANY (ABFI) An offer can only be made by the Prospectus dated October 16, 2001, delivered in conjunction with this Rate Supplement dated November 12, 2001. See "Risk Factors" for a discussion of certain factors which should be considered in connection with an Investment in the Notes. *The Effective Annual Yield assumes all interest reinvested daily at the stated rate. The rates for the Investment Notes are available from November 30, 2001 through December 17, 2001. The interest rate paid on the Money Market Notes is subject to change from time to time at the Company's sole discretion provided that such rates shall not be reduced below 4% per year. Written notice of any decrease in rate will be provided to holders of such notes at least 14 days prior to the effective date of the change. No notice will be provided in connection with an increase in the interest rate paid on such notes. You may obtain an additional copy of the Prospectus dated October 16, 2001 free of charge from American Business Financial Services, Inc. by calling (800) 776-4001. Investment Notes and Money Market Notes represent obligations of ABFS and are not certificates of deposit or insured or guaranteed by the FDIC or any other governmental agency. (LOGO) AMERICAN BUSINESS For information, FINANCIAL SERVICES, INC. call 1-800-776-4001 BalaPointe Office Centre 111 Presidential Boulevard Bala Cynwyd, PA 19004 www.ABFSonline.com -----END PRIVACY-ENHANCED MESSAGE-----