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Bradford NATIONAL Bank
NEWS RELEASE

For Immediate Release
For more information, Contact Frank Joy
664-2200

March 9, 2009

Bradford National Bank Gets Top Honor from USDA

About Bradford National Bank
Representatives from Bradford National Ban receive a plaque for surpassing the million dollar mark in home loans made through the Rural Development guaranteed program. Left to Right: Pennie Slatton, Bradford National Bank loan officer; Janet Fauth representing the USDA; and Terry Barth, Bradford National Bank loan officer.

Greenville - Bradford National Bank was awarded top honors by the US Department of Agriculture Rural Development as a Million Dollar Lender in Illinois. The recognition is made annually to lenders that excel is using the federal agency’s guaranteed loan program to increase home ownership.

“Bradford National Bank has demonstrated its commitment to helping borrowers afford their first home or upgrade to a better home,” said Janet Fauth, a Rural Development specialist in the agency’s Edwardsville office. “We are extremely pleased with Bradford National Banks achievement. Their commitment to helping borrowers get a loan they can afford for the house they really want is not only good for the borrowers; it is good for the local economy as well.”

Bradford National Bank used Rural Development’s guarantee to generate more than $1 Million in affordable home loans in 2008. With the Rural Development guarantee, Bradford National Bank can offer 100 percent loans with no required down payment, no private monthly mortgage insurance (PMI), no maximum purchase price, competitive fixed market rate interest, and 30 year terms. The program includes flexible credit guidelines and generous income limits.

Bradford National Bank president Frank Joy said, “We are proud of our local mortgage lenders and the job they do to deliver quality products to our clients. In today’s economy, it is very important to have a mortgage lender that you know and trust. By banking with a local community bank like ours, you can be assured that we will be there to help when needed. We are working hard to help get our local economy moving.” He added, “We are pleased to be recognized for the 5th consecutive year for our high level of participation in the Rural Development Guaranteed Loan Program.”

Information on eligibility for guaranteed home loan financing is available by contacting Bradford National Bank at 664-2200 in Greenville and Bond County and 651-1700 in Highland and Marine or you can visit the Bradford National Bank website at www.bradfordbank.com.

The Guaranteed rural Housing program is administered through the Rural Development office located in Janet Fauth. USDA is an equal opportunity lender, provider, and employer.

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