COMMUNITY BANCORP

The Bank provides a range of financial services, primarily focusing on individual customers and small-to-medium-sized businesses within the communities it serves. Its Commercial Lending segment offers secured financing for existing businesses, including commercial real estate loans, construction loans, and equipment financing. The Bank has been recognized by the SBA as Vermont's top Section 7(a) program lender for startups and small businesses, and as one of Vermont's top third-party small business lenders under the SBA's Section 504 loan program. In Residential Real Estate Lending, the Bank provides conventional permanent and construction/permanent financing (fixed, adjustable, or variable rate), FHA/VA loan products, fixed-rate and adjustable-rate residential mortgage (ARM) loans, and home equity loans. A portion of first lien residential mortgage loans are sold into the secondary market. The Bank does not originate subprime residential real estate loans. Retail Credit includes personal loans, automobile loans, and boat/recreational vehicle loans, and credit cards through a third-party alliance. Municipal and Institutional Banking offers deposit accounts, tax-exempt loans, lines of credit, and term loans to state and local governments, schools, charities, and non-profit associations, including a secured deposit product collateralized by FHLBB letters of credit. Retail Banking provides consumer services such as checking accounts, savings programs, ATMs, debit/credit cards, night deposit facilities, and online, mobile, and telephone banking.