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2013 ANNUAL DISCLOSURE STATEMENT

NOTICE OF AVAILABILITY

In accordance with Federal regulation, this bank will provide an Annual Disclosure Statement to our customers, shareholders, and the general public, upon request, containing the bank's financial information for the last two years. This information will be updated annually and made available on or before March 31, 2014.

To request a copy of the Annual Disclosure Statement, please contact:

Louise Bonvechio, Sr. Vice President & CFO
Community National Bank
4811 US Route 5
Newport, Vermont 05855
802-334-7915