October 01, 2014
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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “non-interest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “non-interest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

SAVINGS ACCOUNTS
Passbook Savings
Statement Savings
Looney Tunes Savings Club
Certificate of Deposit
Money Market Account

CHECKING ACCOUNTS
New Wave Checking (Basic Banking)
NOW Checking Accounts
Super NOW Checking Account
Business Checking
*Order Checks

RETIREMENT SAVINGS
Traditional Retirement Accounts (IRA'S)
Roth IRA Account
Keogh Accounts
Simple Accounts

HOME LOANS
Mortgage Loans (Fixed or Adjustable)
Home Equity Loans
Home Equity Lines of Credit
Home Improvement Loans
Construction Loans

OTHER LOANS
Passbook Loans
Secured Personal Loans

SPECIAL SERVICES FOR CUSTOMERS
Internet Banking
Automated Telephone System
Drive-in Facility Banking
Maturity Plus
24 Hour Depository
Bank by Mail
Direct Deposit
Notary Service
Deluxe Gift Cards
Money Orders
ATM Cards
MasterMoney(Debit) Cards
Wire Transfers (Domestic)

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GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION
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2208 WEST GENESEE ST
SYRACUSE, NEW YORK 13219
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