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Over last few years the Consumer Financial Protection Bureau (CFPB) has rolled out many new rules that banks are required to follow.  One of those rules calls for a series of notices to customers when the insurance that covers the collateral on their loan lapses or cancels, or the bank does not have current evidence of insurance coverage.  In many cases, you may have changed companies or agents and we simply have not yet been notified.

To help manage these complex regulatory requirements and to ensure our customers have current collateral insurance coverage, Community National Bank has recently partnered with Allied Solutions, LLC.  Allied Solutions is located in Carmel, Indiana and specializes in monitoring, verifying and updating insurance policy information.

Allied will collect the following information, all of which can be found on your policy declarations page:

  • The insurance agency’s name, mailing address and phone number
  • Insurance policy number
  • Coverage amount

Your policy should also list Community National Bank as mortgagee to ensure that Allied can continue to track your coverage for the life of your loan. The mortgagee clause reads as follows:

Community National Bank ISAOA, ATIMA
PO Box 458
Carmel, IN 46082

If you are contacted to supply updated insurance information, you may provide your information in the manner most convenient for you:

  • Mail a copy of your insurance policy to Community National Bank, PO Box 458, Carmel, IN 46082.
  • Ask your agent to fax a copy of your policy to 1-800-881-8678 or call 1-800-998-0762 and deliver the information to a representative
  • Go online to to enter your insurance information

 If you have any questions about updating insurance policy information please call 1-800-998-0762 to reach the Allied Solutions insurance center.

Lastly, we caution you that much of the insurance notice is “model” language required by regulation and we are not at liberty to change it.  If you receive a notice, you may find the notice very direct and somewhat harsh, just not what you’re used to from CNB, for that we apologize.  We’d change it if we could.

As always, thank you for letting Community National Bank meet your financing needs. 


Troy,VT—In a recent show of respect and admiration, Community National Bank Vice President of Branch Administration Cindy LaGue presented a 25 by 40 foot U.S. Flag to Troy Fire Department and North East International Mutual Aid (NEIMA) member Bobby Jacobs. The flag is a gift from the bank to NEIMA to replace the current flag that has been used for many years at various ceremonial events and local firefighters’ funeral services.

NEIMA is a nonprofit association made up of numerous fire departments across two countries. Member departments include Albany, Ayer’s Cliff, Barton, Brighton, Charleston, Craftsbury, Derby Line, Glover, Irasburg, Jay, Lowell, Mansonville, Newark, Newport, Newport Center, North Troy, Orleans, Stanstead, Stanstead Township, Troy and Westomore. The organization permits member departments to work together when extra resources are needed during an emergency, at no extra cost to the requesting department.  

NEIMA also serves as a voice for its member departments when conversing with state officials on issues of interest to all of the members. Each year, NEIMA hosts a regional fire school open to member and nonmember departments with course offerings to beginners and experienced firefighters to ensure safe and effective techniques are being used.

Most of the firefighters serving our communities are volunteers. Community National Bank thanks all of departments and their members for their dedicated service. We appreciate all of your efforts.








Derby, VT — Community National Bank (CNB) recently honored Katelyn Patenaude, a North Country Union High School student, Nicholas Aiken, a Lyndon Institute student and Alyssa Furber, a Montpelier High School student, with Community’s Promise Community Service Awards for their outstanding contributions to our communities. Students submit essays describing their volunteer activities and what they have done to make our communities better places to live, work and grow.

Katelyn has volunteered for her church’s youth group collecting food for those in need, helping with Catechism Bible School and assisting with several youth activities. She has given her time to 4-H by teaching young members to ride horses, and she has served as a ring mistress and a judge during show activities. Katelyn has coached various sports teams, and she has donated her time to referee games and keep score books. She also started a summer food program in her community.

Nicholas has given his time to many school clubs including the National Honors Society helping with various fundraising efforts which have benefited his school and other community organizations. He has helped coach youth football and has assisted with his school’s football program by helping the booster club and by providing support to the coaching staff. Nicholas has been active in his church teaching Catechism classes, and he is part of the Junior Sheffield Fire Department.

Alyssa’s interest in publicservice led her to actively give her time to the VTDigger news agency where she updated their campaign finance database. She is a volunteer for the American Civil Liberties Union where she catalogsand analyzes data and publishes her findings to help the organization identify injustices that will preserve individual rights. Alyssa has been an active member of the student council at Montpelier High School. She also has led freshmen orientation for three years to help students transition smoothly into the next phase of their education.

Many great essays were submitted. We are very thankful for all of the time that students give to make our communities better places to live, work and grow. CNB has been serving Vermont communities since 1851, with office locations in Derby, Barre, Barton, Derby Line, Enosburg Falls, Island Pond, Lyndonville, Montpelier, Morrisville, Newport, St. Johnsbury and Troy.


Important Notice

All CNB offices will be closed this Saturday, June 27 while we perform annual system maintenance. Internet banking and Telephone banking will also be unavailable on Saturday, June 27 from approximately 1:00am to 3:00pm. We apologize for any inconvenience.

Derby, VT—Stephen P. Marsh, President, CEO and Chairman of the Board of Community Bancorp. and Community National Bank (CNB), welcomed  close to 200 shareholders at the Elks’ Club on May 12, 2015, for the Annual Shareholders’ meeting.

Mr. Marsh led the group in the Pledge of Allegiance, asked for a moment of silence for Shareholders who were no longer with us and continued with introductions of new Shareholders, Community Bancorp. Directors, Advisory Board Members, Executive Officers and honored guests Janice Latulippe, Jen Sanctuary and Kaylyn Landry from the Public Accounting Firm BerryDunn and Denise Deschenes from the law offices of Primmer Piper Eggleston and Cramer, PC.

Louise Bonvechio, Treasurer of Community Bancorp., and Senior Vice President, Chief Financial Officer and Cashier of Community National Bank, reported that 2014 was a successful year with solid loan growth and an incremental increase in earnings, year over year. Community Bancorp. reported earnings of $5,125,000 or 1.03% per share for the year ended December 31, 2014, compared to $5,087,000 for the year ended December 31, 2013, an increase of $38,253 or .75%. This resulted in earnings per common share of $1.03 for both 2014 and 2013 and a return on average assets was .89% for the year ended December 31, 2014, compared to .90% for the year ended December 31, 2013.

Louise shared that a few years ago Community Bancorp. joined the OTC Markets Group and listed the Community Bancorp. CMTV ticker on the OTCQB listing. In 2014, the OTC Markets Group launched OTCQX, a new index listing for well-capitalized financial institutions. In the first quarter of 2015, Community Bancorp. joined OTCQX. The OTCQX is the first index to track off exchange traded community and regional banks that are strongly capitalized, well-managed and shareholder-friendly.   

Continuing the meeting, Mr. Marsh introduced the Judges of Election: Deb Fournier, JP Fournier and Linda Parenteau. He also introduced the Proxy Voters: Betsy Bumps and Rachel Ducharme. The Judges of Election and the Proxy Voters proceeded to enter private quarters to tally the results of the Shareholders’ votes.       

President and CEO of Community Financial Services Group, LLC (CFSG) Mark Frederick was invited to address the shareholders. CFSG is a Trust and Investment company owned by Community National Bank, National Bank of Middlebury and Woodsville Guaranty Savings Bank. CFSG offers assistance with Trust and Investment Accounts, Annuities, Retirement Planning and Insurance and Brokerage Accounts. Mr. Frederick shared documents that showed information about the company’s strong performance in 2014. Mr. Frederick thanked CNB employees for their many referrals and stated that their hard work contributed to CFSG’s success and he praised the support CFSG receives from its member banks.     

Mr. Marsh continued the meeting by congratulating Heather Bradley on her promotion to Vice President, Commercial Loan Officer, as well as Theresa Carpenter on her promotion to Assistant Vice President, Retail Loan Underwriting Officer.        

Mr. Marsh addressed the recent announcement to close two CNB office locations in Caledonia County. After an extensive analysis of the branch network, it was clear that having four branches along Route 5 within a 10-mile radius was not necessary. CNB offers a variety of electronic banking options and many of the bank’s customers are choosing to transact business electronically. On Friday, July 17, 2015, CNB’s Federal Street Office in St. Johnsbury and the Broad Street office in Lyndonville will close. Customers are encouraged to conduct their banking at our Price Chopper office in St. Johnsbury and our Memorial Drive office in Lyndonville.  

Mr. Marsh commended all of the CNB employees, both past and present, for their unwavering commitment to helping the Bank continue to grow while successfully serving our customers. He also thanked the Bank’s Advisory Board Members for their support and invaluable insights and he praised the Community Bancorp. Directors for their strong guidance and leadership.             

Sharing voting results, Marsh announced Community Bancorp. Shareholders voted to reinstate Kathryn Austin, David Bouffard, Aminta Conant and Rosemary Lalime as Directors to serve until the annual meeting in 2018. Shareholders also voted to ratify the selection of BerryDunn as the Bank’s external auditors for the fiscal year ending on December 31, 2015. 

Mr. Marsh concluded the meeting by thanking Corporate Secretary Chris Bumps for her work in preparing for the annual meeting and asked Executive Vice President Kathryn Austin to give a blessing for the delicious meal served by members of the Elks’ Club.