Neenah, WI (Nasdaq) 27 December 2011

First National Bank-Fox Valley to participate in the HARP program to refinance the possibility of a larger group of home or pay their mortgage deals to expand faster.

HARP Home Affordable refinance loan program, which is owned by Fannie Mae or Freddie Mac. Changes to the program to borrowers who owe more than is their home base to refinance. The existing dwelling is at the beginning of the first December 2011 are used.

Karri

​​Bedore, vice president, mortgage banking manager of First National Bank Fox Valley, says the expanded guidelines will benefit homeowners who have seen a drop in the value of their house.

Many homeowners are eligible for this program, which can now take advantage of current historically low interest rates to refinance the short-term loans to Bedore. We work for borrowers, a plan that is tailored to their financial needs.

homeowner can decide whether their mortgage is currently either Freddie Mac or Fannie Mae, by following these pages include: http://www.freddiemac.com/mymortgage or http://www.fanniemae.com/loanlookup /.

General guidelines for eligibility, including the most relevant aspects of the improved HARP program:

? As a result of the refinancing of the borrower for the reduction is useful
???????? Amortization, monthly, or more stable mortgage product.
raise

????????- can not pay issued from a second lien or other creditors

???????? outside of the first mortgage.

???? No maximum loan-to-limit, fixed-rate mortgages from Fannie Mae and supports
???????? Freddie Mac;

???? Mortgage insurance may still be necessary.

???? The loan must have been, Fannie Mae / Freddie Mac 31st To purchase May 2009.

???? They must now rely on your mortgage application with an acceptable
???????? their mortgage payment history over the past 12 months.

????- assessment of the need to give up.

HARP program is 31 December remains were originally in loans in 2013 or before 31 Sold in May 2009.

more information on this program, please visit http://www.makinghomeaffordable.gov.

First National Bank-Fox Valley (NMLS # 424 203), urges the parties to the 729 home-banking locations in Oshkosh, Appleton, Neenah and Menasha visit to a mortgage specialist about refinancing options, or by calling (920) – speak to 6900th

About First National Bank-Fox Valley

In 1887, the First National Bank-Fox Valley is one of the oldest banks in the Fox Cities. The privately-owned community bank offering a full range of retail, commercial and mortgage services and products. First National Bank-Fox Valley offers a full-service banking for businesses and residents throughout the Fox Valley, including: Advanced online banking options, tailored to the credit needs of individual customers as well as treasury and cash management services to meet to be. In 2010, the First National Bank-Fox Valley, called the Small Business Association (SBA) Preferred Lender, the Bank can offer a quicker turnaround time for answering the SBA-guaranteed financing applications. With a total of approximately $ 312 million in June 2011 First National Bank-Fox Valley has 64 employees and has four comfortable in Appleton, Neenah, Menasha and Oshkosh is located. For more information, visit http://www.fnbfoxvalley.com.

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