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4320 Linglestown Road, Harrisburg PA 17112T 717.657.7727 | CentricBank.com

Dear Friends,

We’re welcoming the warm weather with our annual Customer

Appreciation Day on Friday, June 27, from 11 a.m. to 2 p.m. The rain

date is Friday, July 18, at the same time. Please join us at any of our

financial centers for a grilled lunch, games, prizes, or just to say “Hello”

and introduce yourself to our Centric Bank team. This is our day to

say, “Thank you” for your business! I look forward to seeing you at our

Financial Centers this month.

On Memorial Day, our employees and families marched in both the Derry Township and Camp Hill Borough

parades. It was a great day for our employees to show their community support and deep respect for those who

have given the ultimate sacrifice in serving our country. We enjoyed seeing many of our friends marching in the

parades too, and others cheering and waving flags! Please take a minute to visit our Facebook page and Twitter

stream to see some of our favorite photos of these Memorial Day moments.

As your local community bank, we pride ourselves on serving small businesses. This year we’re excited to be a

prime sponsor for one of the most important local initiatives in central Pennsylvania—The Farmers Market at the

Penn State Hershey Medical Center. You can visit The Farmers Market, across from our Derry Township center

and next to Cocoa Beanery, every Thursday through October. The Medical Center’s Prescription Produce program

ensures that the community has access to local, farm-fresh fruits and vegetables. You’ll find more than forty

vendors who are sourced from a 25-mile radius, as well as community wellness screenings and education. We

think it’s a perfect message to align with Doctor Centric Bank. Financial health and community health go hand-in-

hand to maintain a strong, vibrant economic core.

Heart health is also important to us, and Centric Bank was a Gold Sponsor for the American Heart Association’s

2014 Capital Region Go Red for Women luncheon and fundraiser sponsored by Penn State Milton S. Hershey

Medical Center. As a board member of the American Heart Association and a member of the Circle of Red, I

hope to be a frontline ambassador for heart health awareness. One in three people will die from heart disease

in the U.S. and it remains the #1 killer of women. Follow our Twitter stream for occasional AHA tweets or visit

GoRedforWomen.org for more information.

Because We Revolve Around You is more than our tagline, my door and communication lines are always open.

Please contact me at 717.909.8309 to share your thoughts, ask a question, or refer a colleague or friend. You are

welcome to stop in to see me at the Linglestown Road Financial Center, and be sure to Like us on Facebook and

Follow us on Twitter.

We hope you’ve downloaded our mobile app to make anytime a good time to do Centric banking! Happy

Summer!

Sincerely,

Patricia A. Husic

Centric Bank President & CEO

In The Community25 WOMEN TO WATCH | Patricia Husic, Centric Bank President and CEO was named to the American Banker Association’s 25 Women to Watch list. This

prestigious honor comes after a nationwide search for successful women making a difference in the financial industry. MEMORIAL DAY PARADES |

Centric Bank prides itself on being woven into the fabric of our communities. Two teams participated in the Camp Hill and Hershey Memorial Day Parades.

FARMER’S MARKET IN HERSHEY | Centric Bank is a sponsor of the Farmer’s Market in Hershey during the 2014 season! The event encourages community

members to purchase locally-grown produce from wellness-focused farmers. Open every Thursday afternoon until October 30, 2014 from 2:30-6:30pm, the

the market is located on the Hershey Medical Center

campus. You can visit the Centric team on July 3 and

October 2, 2014! CHARITY JEANS DAY | Centric

Bank employees held a charity jeans day in which

they wore jeans for a small donation. The majority

of employees chose to donate the final contribution

of $178 to the Autism Society of Greater Harrisburg.

GO RED LUNCHEON | Centric Bank was proud to

sponsor and attend the 2014 Go Red for Women

Luncheon, in support of the American Heart

Association and women fighting heart disease.

Jeff Myers, EVP, Chief Lending Officer, Patti Husic, President & CEO, and Peggy Elder, VP, Compliance and Loan Operations lead the group at the Camp Hill parade.

Led by Vicky LaCour, AVP, Branch Manager, Leslie Meck, SVP, Chief Retail Officer, and Kristel Zaring, VP, Small Business Banker, the team takes a “selfie” at the Hershey parade.

New EmployeesCentric Bank is proud to welcome several

new team members:

Nicole Fitting, Loan Documentation Specialist

Julius Green, Teller, Lower Paxton

Mark Holst, Cash Management Officer

Gary Kline, AVP, Government Services Officer

Robert Kline, Courier

Getty Wilson, VP, Mortgage Department Manager

Trevor Myers, Credit Analyst

Kristel Zaring, VP, Small Business Banker

Terrence Monteverde, SVP, Chief Credit Officer

Nicole Cooper, Teller, Camp Hill

Financials

Celebrating 1 YearWe’re excited to celebrate our first year

anniversary of the Derry Township office.

Thank you to our customers who have

helped us make this location a success!

CO(in thousands)

NSOLIDATED BALANCE SHEET

$300,000

$250,000

$200,000

$150,000

$100,000

$50,000

$0

12.31.2011 03.31.2014

$177

,460

$253

,599

$223

,587

12.31.2012

$205

,591

$302

,059

$271

,439

12.31.2013

$227

,454

$304

,409

$267

,794

Net Loans Total Assets Total Deposits

NET INTEREST MARGIN

5.00%

4.00%

3.00%

2.00%

1.00%

0.00%12.31.2011 12.31.2012 12.31.2013 03.31.2014

4.92

%

1.67

%

3.42

%

$229

,187

$304

,649

$277

,637

1.32

%

3.15

%

4.03

%

.93%

3.21

%

4.35

%

Yield on Average Earnings Assets Cost of Average Interest-Bearing Liabilities Net Interest Margin

4.36

%

.84%

3.63

%

2

Director SpotlightTOM FLOWERS, CPACentric Bank Board of Directors

Tom Flowers is the managing partner

of Flowers & Flowers, CPAs, a local

certified public accounting firm that

specializes in providing services to

closely held businesses and their owners.

Located in Lower Paxton Township, the firm

has grown in the last twenty years from just Tom and his father, Rick, to

three partners and nine staff.

What do you like best about Centric Bank and the future of

community banking?

Community banking is quite simply the necessary fuel for small

business to grow and prosper, which enables our economy as a whole

to strengthen. As a CPA and advisor to many local businesses, I see this

need every day and I am proud to be a part of Centric Bank that fills this

much needed role in our community.

Who has been the most influential person in your life?

My father has absolutely been the most influential person in my life. His

exemplary level of honesty, integrity and unwavering morals are the

characters and traits that I strive to live up to and to pass along to my

sons each and every day.

Employee SpotlightDONALD J. BONAFEDESVP, Senior Commerical Lending Officer

What do you enjoy most about

working at Centric Bank? I enjoy

working at a true community bank,

being involved with the employees and

customers on a daily basis.

How are you involved in the

local community? I’m on committees for Hospice of Central PA,

Leukemia & Lymphoma Society, and United Cerebral Palsy.

What is the best advice you’ve ever received?

When I began my banking career, I opened a loan production office

in Harrisburg for a bank based in Scranton. Pete O’Donnell told me,

“Central PA doesn’t know who we are -- this is your company, your

business. Treat every prospect and customer with respect, provide

exceptional customer service, and your business will be successful.”

Who has been the most influential person in your life?

My daughter, Kristina, has taught me patience, how to focus on

important matters, that mistakes happen but may be corrected, to think

before you react, and so much more. Her influence continues as she

becomes smarter than me at age 24.

3

Mortgages at Centric BankCentric Bank is proud to welcome Getty Wilson as Vice President,

Mortgage Department Manager. Getty brings 21 years of experience

in the mortgage industry and will be responsible for managing and

expanding the department, while providing current and future customers

with the professional and enthusiastic service that Centric promises. She is

actively involved in the community, serving in capacities with the Greater

Harrisburg Association of Realtors, Central Pennsylvania Association of

Female Executives, Chamber of Commerce, Central Penn Business Journal,

and the American Heart Association.

Getty Wilson, NMLS 586367T 717 909 8302C 717 557 8705

E gwilson@centricbank.com

Fixed Rate Mortgages

Adjustable Rate Mortgages

USDA Rural Development Mortgages

VA Mortgages

PHFA Mortgages

FHA Mortgages

Jumbo Mortgages

Investment Property Mortgages

Consumer Construction Mortgages

Maura FayMortgage Operations Manager

T 717 909 8352E mfay@centricbank.com

Mary RumbaughMortgage Loan Processor

T 717 909 8369E mrumbaugh@centricbank.com

4320 Linglestown Road · Harrisburg, PA 17112

FINANCIAL CENTERS

LOWER PAXTON4320 Linglestown RoadHarrisburg, PA 17112717.657.7727

CAMP HILL1625 Market StreetCamp Hill, PA 17011717.730.2816

SILVER SPRING6480 Carlisle PikeMechanicsburg, PA 17050717.591.1360

DERRY TOWNSHIP1201 West Governor RoadHummelstown, PA 17036717.533.7626