ANNUAL DISCLOSURE STATEMENT

Notice of Availability

Financial information about this bank is available to our customers, shareholders and the general public on request.

In accordance with Federal regulations to facilitate more informed decision-making by depositors and the general public, we will provide an Annual Disclosure Statement containing financial information for the last two years. This information will be updated annually and will be available by March 31.

To Obtain a Copy

To obtain a copy of the Annual Disclosure Statement, please write to:

Gregory G. Eagan, Vice President - CFO

The Community National Bank

1400 East Second Street

Franklin, Ohio 45005

(937) 746-1520