March 10, 2010
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Main Office
[315] 468-6281
Mortgage Office
[315] 468-6803
 Our Hours
Main Lobby Hours:
Monday - Thursday
9:30 a.m. - 5:00 p.m.
Friday
9:30 a.m. - 6:00 p.m.
Mortgage Hours:
Monday - Thursday
9:00 a.m. - 5:00 p.m.
Friday
9:00 a.m. - 6:00 p.m.
Drive Thru Hours:
Monday - Thursday
8:00 a.m. - 4:00 p.m.
Friday
8:00 a.m. - 6:00 p.m.

Loan Products
THIS WEEK'S FEATURED LOAN PRODUCT
EFFECTIVE: 03/08/10
20 Year Bi. Weekly
4.6728% APR - 0 Points - 20% Down

Example:
SPECIAL OF THE WEEK. FOR A $100,000.00 LOAN AMOUNT, ANNUAL PERCENTAGE RATE OF 4.6728%. 457 PRINCIPAL AND INTEREST PAYMENTS OF $319.71. ONE FINAL PAYMENT OF $109.29. TOTAL FINANCE CHARGES OF $46,759.16. TOTAL LOAN AMOUNT OF $146,216.76.

Prequalify for a loan!

**Lower Down Payment Plans Available**

LOAN PRODUCTS AVAILABLE
Conventional Fixed & Adjustable Loans
Biweeklies
Home Equity Loans
Home Equity Lines of Credit
Ratesaver Balloons
Mini Mortgages
Investor Plans

SPECIAL FEATURES
Prompt Commitment- usually 7 to 10 business days.
Customer Convenience- local orientation
Flexibility- non-secondary market underwriting
Low documentation

Please contact:
Chris Lauricella
at (315)468-6803
for further rate and term information.

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GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION
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2208 WEST GENESEE ST
SYRACUSE, NEW YORK 13219
(315) 468-6281 | 1-888-468-6281