A Message from Doctor Centric CEO Patti Husic

We understand the immense responsibilities of our health care professionals, and we salute you! Each health care company, medical manufacturer, physician, radiologist, and medical testing facility has a unique story to tell, and we are honored to strengthen your service to our community through seamless financial transactions. Centric Bank has originated millions in to this niche of community servants with our full suite of , including up to 100% practice financing. In 2019, Doctor Centric Bank saw a 7.5% increase in loans outstanding, as well as deposit growth.

With a financial center next to the world-renown Penn State Health Milton S. Hershey Medical Center and the innovation engine at Hershey Center for Applied Research, our private banking team has more than 250 years of combined experience with providing cash and capital for growing businesses. Doctor Centric Bank takes care of your finances so you can focus on CENTRIC BANK FINANCIAL CENTERS AND COMMERCIAL LENDING OFFICES what really matters—the people who depend on your care. We respect the value of time and deliver the power of financial HEADQUARTERS AND LOWER PAXTON FINANCIAL CENTER 4320 Linglestown Road, Harrisburg, PA 17112 | (717) 657-7727 resources directly to you, wherever you are—at the office, at the CORPORATE, EXECUTIVE, OPERATIONS, AND MORTGAGE CENTER 1826 Good Hope Road, Enola, PA 17025 | (717) 657-7727 hospital, at home, or at one of our financial centers. CAMP HILL FINANCIAL CENTER 1625 Street, Camp Hill, PA 17011 | (717) 730-2816

A three-time American Banker Most Powerful Women in Banking DERRY TOWNSHIP FINANCIAL CENTER 1201 West Governor Road, Hummelstown, PA 17036 | (717) 533-7626 Top Team and seven-time recipient of Central Penn Business PATRICIA A. HUSIC SILVER SPRING FINANCIAL CENTER 6480 Carlisle Pike, Mechanicsburg, PA 17050 | (717) 591-1360 Journal’s Top 50 Fastest Growing Companies, Centric Bank’s most President & CEO Centric Bank prized recognition is being honored as an American Banker Best DEVON FINANCIAL CENTER 105 Lancaster Avenue, Devon, PA 19333 | (610) 710-4222 to Work For three years in a row.

DOYLESTOWN COMMERCIAL LENDING OFFICE AND CONCIERGE FINANCIAL CENTER During COVID-19 and its devastating health and economic impact, we became a lifeline for 2003 S. Easton Road, Suite 205, Doylestown, PA 18901 | (267) 880-4333 our Doctor Centric Bank customers and small business owners. A trusted banker fighting for your survival is the difference between practices shuttering forever or emerging stronger and DEVON COMMERCIAL LENDING OFFICE 80 W. Lancaster Avenue, Suite 200, Devon, PA 19333 | (610) 710-4800 The Power of Private Banking smarter in a new economy that we have the power to define. Never has relationship banking LANCASTER COMMERCIAL LENDING OFFICE AND CONCIERGE FINANCIAL CENTER been more critical to a healthy community. As we demonstrated by providing more than 1,800 22 E. Roseville Road, Unit D, Lancaster, PA 17601 | (717) 614-6855 Paycheck Protection Program loans totaling $220 million, we are intentional, responsive, and creative advocates on behalf of businesses and entrepreneurs.

Corporate Headquarters 4320 Linglestown Road Harrisburg, PA 17112 (717) 657-7727 www.CentricBank.com Fax (717) 657-7748 www.DrCentricBank.com

Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. NMLS #690920

All credit subject to review and approval. 01.21 Welcome to a New Era of Customer- Focused Concierge Banking Strengthening Financial At Doctor Centric Bank, we believe the business of banking shares a powerful common bond with managing a health care practice or profession: communities depend on both of our services to stay healthy and thrive.

Since 2012, Doctor Centric Bank has been meeting the needs of doctors, dentists, surgeons, Simply amazing! best describes the efficient, helpful, and professional service I have come to count After 14 years as an associate dentist, I was looking to buy land medical technologists, and health care providers who rely on the expediency and on from my Centric Bank team. I met Jeff Myers while in the process of closing on my office space and start my own practice. My construction company partner trustworthiness of concierge banking services. Our reputation for customer loyalty and the purchase. Frustrated with the bank handling the closing, I moved my business to Centric Bank. referred me to Doctor Centric Bank. Their anytime-anywhere promise of We Revolve Around You provides priceless peace of mind. I closed on the property within three weeks, and I have never looked back! Centric’s business team availability; their concierge services; and their knowledge and is an excellent resource, and I have a solid team of advisers for my medical practice. uncommon interest in my project made my growth easy and “Medical professionals and health care companies devote all their time and resources to the uncomplicated. They recommended an SBA and provided health and wellness of their patients, as well as the demands of community health,” says Jeffrey DR. CLAUDETTE JATTO me with 100% financing. By working with local lenders, I was W. Myers, SEVP, Chief Lending Officer. “While you look out for Pennsylvania’s physical, mental, OWNER, JATTO INTERNAL MEDICINE AND WELLNESS, P.C. able to build relationships with people in the bank and with other and emotional health, our team looks out for your financial health. We bring turnkey financial HARRISBURG, PA businesses in the community. solutions for practice buy-ins, buy-outs, technology upgrades, equipment purchases, and practice expansions, plus a full suite of business banking and services.” SARAH LOREI, D.D.S. OWNER, MILLENNIUM WAY DENTAL STUDIO We had already started the construction process on a new oral surgery facility in York County when ENOLA, PA we lost faith in the bank we had been using. When Centric Bank was recommended, and we met with Jeff Myers, we knew we could trust them through the completion of the construction project. Not only did we trust them with financing our new building, we also moved all our business banking and personal accounts to Centric.

DR. JAMES M. BOYLE, PRESIDENT & CEO JANE BOYLE, BUSINESS MANAGER WE OFFER SUSQUEHANNA ORAL & MAXILLOFACIAL SURGERY, P.C. YORK, PA When my partners and I had a vision to grow our dental office Concierge Banking Solutions & Amenities into a premier dental health care system, we realized we needed more than a bank. We needed a partner. We chose n Up to 100% financing of equipment for the practice or building improvements n Partner buy-ins and buy-outs n Expedient loan decisions and on-call private banking Centric Bank because we felt their core values matched our n Personal and business banking n Consumer and mortgage lending Centric Bank aligns with the core values that drive our company. We enjoy the personal creativity, own. Everyone we have dealt with, from CEO Patti Husic to the n Medical malpractice financing n Leasing for equipment and technology client dedication, and their willingness to manage all of our financial needs—big and small. tellers at our local financial center, has helped us successfully n Business checking accounts n Up to 100% residential home financing We have already recommended the Doctor Centric Bank program to a number of colleagues, and purchase real estate, build out offices, and open six new n Flexible executive lines of credit we also refinanced our residential properties with their team. practices in 18 months. Centric has done more than just take care of our banking; they have provided the support, guidance, Cash Management Services DR. BARRY MOSS AND KRUPAL DESAI and creative solutions to meet daily challenges. OWNERS, INDIJU DENTAL, LLC/INDIJU INVESTORS, LLC Our full suite of cash management services conveniently provides you with the functionality of HUMMELSTOWN, PA our financial center at your office, leaving more time for you to focus on your practice. MICHAEL C. VERBER, DMD, FICOI CEO AND PRESIDENT, VERBER DENTAL GROUP n Credit cards n Liquidity management n Remote deposit CAMP HILL, PA n Positive pay n ACH and wire services n Merchant card services Welcome to a New Era of Customer- Focused Concierge Banking Strengthening Financial At Doctor Centric Bank, we believe the business of banking shares a powerful common bond with managing a health care practice or profession: communities depend on both of our services to stay healthy and thrive.

Since 2012, Doctor Centric Bank has been meeting the needs of doctors, dentists, surgeons, Simply amazing! best describes the efficient, helpful, and professional service I have come to count After 14 years as an associate dentist, I was looking to buy land medical technologists, and health care providers who rely on the expediency and on from my Centric Bank team. I met Jeff Myers while in the process of closing on my office space and start my own practice. My construction company partner trustworthiness of concierge banking services. Our reputation for customer loyalty and the purchase. Frustrated with the bank handling the closing, I moved my business to Centric Bank. referred me to Doctor Centric Bank. Their anytime-anywhere promise of We Revolve Around You provides priceless peace of mind. I closed on the property within three weeks, and I have never looked back! Centric’s business team availability; their concierge services; and their knowledge and is an excellent resource, and I have a solid team of advisers for my medical practice. uncommon interest in my project made my growth easy and “Medical professionals and health care companies devote all their time and resources to the uncomplicated. They recommended an SBA loan and provided health and wellness of their patients, as well as the demands of community health,” says Jeffrey DR. CLAUDETTE JATTO me with 100% financing. By working with local lenders, I was W. Myers, SEVP, Chief Lending Officer. “While you look out for Pennsylvania’s physical, mental, OWNER, JATTO INTERNAL MEDICINE AND WELLNESS, P.C. able to build relationships with people in the bank and with other and emotional health, our team looks out for your financial health. We bring turnkey financial HARRISBURG, PA businesses in the community. solutions for practice buy-ins, buy-outs, technology upgrades, equipment purchases, and practice expansions, plus a full suite of business banking and cash management services.” SARAH LOREI, D.D.S. OWNER, MILLENNIUM WAY DENTAL STUDIO We had already started the construction process on a new oral surgery facility in York County when ENOLA, PA we lost faith in the bank we had been using. When Centric Bank was recommended, and we met with Jeff Myers, we knew we could trust them through the completion of the construction project. Not only did we trust them with financing our new building, we also moved all our business banking and personal accounts to Centric.

DR. JAMES M. BOYLE, PRESIDENT & CEO JANE BOYLE, BUSINESS MANAGER WE OFFER SUSQUEHANNA ORAL & MAXILLOFACIAL SURGERY, P.C. YORK, PA When my partners and I had a vision to grow our dental office Concierge Banking Solutions & Amenities into a premier dental health care system, we realized we needed more than a bank. We needed a partner. We chose n Up to 100% financing of equipment for the practice or building improvements n Partner buy-ins and buy-outs n Expedient loan decisions and on-call private banking Centric Bank because we felt their core values matched our n Personal and business banking n Consumer and mortgage lending Centric Bank aligns with the core values that drive our company. We enjoy the personal creativity, own. Everyone we have dealt with, from CEO Patti Husic to the n Medical malpractice financing n Leasing for equipment and technology client dedication, and their willingness to manage all of our financial needs—big and small. tellers at our local financial center, has helped us successfully n Business checking accounts n Up to 100% residential home financing We have already recommended the Doctor Centric Bank program to a number of colleagues, and purchase real estate, build out offices, and open six new n Flexible executive lines of credit we also refinanced our residential properties with their team. practices in 18 months. Centric has done more than just take care of our banking; they have provided the support, guidance, Cash Management Services DR. BARRY MOSS AND KRUPAL DESAI and creative solutions to meet daily challenges. OWNERS, INDIJU DENTAL, LLC/INDIJU INVESTORS, LLC Our full suite of cash management services conveniently provides you with the functionality of HUMMELSTOWN, PA our financial center at your office, leaving more time for you to focus on your practice. MICHAEL C. VERBER, DMD, FICOI CEO AND PRESIDENT, VERBER DENTAL GROUP n Credit cards n Liquidity management n Remote deposit CAMP HILL, PA n Positive pay n ACH and wire services n Merchant card services Welcome to a New Era of Customer- Focused Concierge Banking Strengthening Financial At Doctor Centric Bank, we believe the business of banking shares a powerful common bond with managing a health care practice or profession: communities depend on both of our services to stay healthy and thrive.

Since 2012, Doctor Centric Bank has been meeting the needs of doctors, dentists, surgeons, Simply amazing! best describes the efficient, helpful, and professional service I have come to count After 14 years as an associate dentist, I was looking to buy land medical technologists, and health care providers who rely on the expediency and on from my Centric Bank team. I met Jeff Myers while in the process of closing on my office space and start my own practice. My construction company partner trustworthiness of concierge banking services. Our reputation for customer loyalty and the purchase. Frustrated with the bank handling the closing, I moved my business to Centric Bank. referred me to Doctor Centric Bank. Their anytime-anywhere promise of We Revolve Around You provides priceless peace of mind. I closed on the property within three weeks, and I have never looked back! Centric’s business team availability; their concierge services; and their knowledge and is an excellent resource, and I have a solid team of advisers for my medical practice. uncommon interest in my project made my growth easy and “Medical professionals and health care companies devote all their time and resources to the uncomplicated. They recommended an SBA loan and provided health and wellness of their patients, as well as the demands of community health,” says Jeffrey DR. CLAUDETTE JATTO me with 100% financing. By working with local lenders, I was W. Myers, SEVP, Chief Lending Officer. “While you look out for Pennsylvania’s physical, mental, OWNER, JATTO INTERNAL MEDICINE AND WELLNESS, P.C. able to build relationships with people in the bank and with other and emotional health, our team looks out for your financial health. We bring turnkey financial HARRISBURG, PA businesses in the community. solutions for practice buy-ins, buy-outs, technology upgrades, equipment purchases, and practice expansions, plus a full suite of business banking and cash management services.” SARAH LOREI, D.D.S. OWNER, MILLENNIUM WAY DENTAL STUDIO We had already started the construction process on a new oral surgery facility in York County when ENOLA, PA we lost faith in the bank we had been using. When Centric Bank was recommended, and we met with Jeff Myers, we knew we could trust them through the completion of the construction project. Not only did we trust them with financing our new building, we also moved all our business banking and personal accounts to Centric.

DR. JAMES M. BOYLE, PRESIDENT & CEO JANE BOYLE, BUSINESS MANAGER WE OFFER SUSQUEHANNA ORAL & MAXILLOFACIAL SURGERY, P.C. YORK, PA When my partners and I had a vision to grow our dental office Concierge Banking Solutions & Amenities into a premier dental health care system, we realized we needed more than a bank. We needed a partner. We chose n Up to 100% financing of equipment for the practice or building improvements n Partner buy-ins and buy-outs n Expedient loan decisions and on-call private banking Centric Bank because we felt their core values matched our n Personal and business banking n Consumer and mortgage lending Centric Bank aligns with the core values that drive our company. We enjoy the personal creativity, own. Everyone we have dealt with, from CEO Patti Husic to the n Medical malpractice financing n Leasing for equipment and technology client dedication, and their willingness to manage all of our financial needs—big and small. tellers at our local financial center, has helped us successfully n Business checking accounts n Up to 100% residential home financing We have already recommended the Doctor Centric Bank program to a number of colleagues, and purchase real estate, build out offices, and open six new n Flexible executive lines of credit we also refinanced our residential properties with their team. practices in 18 months. Centric has done more than just take care of our banking; they have provided the support, guidance, Cash Management Services DR. BARRY MOSS AND KRUPAL DESAI and creative solutions to meet daily challenges. OWNERS, INDIJU DENTAL, LLC/INDIJU INVESTORS, LLC Our full suite of cash management services conveniently provides you with the functionality of HUMMELSTOWN, PA our financial center at your office, leaving more time for you to focus on your practice. MICHAEL C. VERBER, DMD, FICOI CEO AND PRESIDENT, VERBER DENTAL GROUP n Credit cards n Liquidity management n Remote deposit CAMP HILL, PA n Positive pay n ACH and wire services n Merchant card services A Message from Doctor Centric Bank CEO Patti Husic

We understand the immense responsibilities of our health care professionals, and we salute you! Each health care company, medical manufacturer, physician, radiologist, and medical testing facility has a unique story to tell, and we are honored to strengthen your service to our community through seamless financial transactions. Centric Bank has originated millions in loans to this niche of community servants with our full suite of financial services, including up to 100% practice financing. In 2019, Doctor Centric Bank saw a 7.5% increase in loans outstanding, as well as deposit growth.

With a financial center next to the world-renown Penn State Health Milton S. Hershey Medical Center and the innovation engine at Hershey Center for Applied Research, our private banking team has more than 250 years of combined experience with providing cash and capital for growing businesses. Doctor Centric Bank takes care of your finances so you can focus on CENTRIC BANK FINANCIAL CENTERS AND COMMERCIAL LENDING OFFICES what really matters—the people who depend on your care. We respect the value of time and deliver the power of financial HEADQUARTERS AND LOWER PAXTON FINANCIAL CENTER 4320 Linglestown Road, Harrisburg, PA 17112 | (717) 657-7727 resources directly to you, wherever you are—at the office, at the CORPORATE, EXECUTIVE, OPERATIONS, AND MORTGAGE CENTER 1826 Good Hope Road, Enola, PA 17025 | (717) 657-7727 hospital, at home, or at one of our financial centers. CAMP HILL FINANCIAL CENTER 1625 Market Street, Camp Hill, PA 17011 | (717) 730-2816

A three-time American Banker Most Powerful Women in Banking DERRY TOWNSHIP FINANCIAL CENTER 1201 West Governor Road, Hummelstown, PA 17036 | (717) 533-7626 Top Team and seven-time recipient of Central Penn Business PATRICIA A. HUSIC SILVER SPRING FINANCIAL CENTER 6480 Carlisle Pike, Mechanicsburg, PA 17050 | (717) 591-1360 Journal’s Top 50 Fastest Growing Companies, Centric Bank’s most President & CEO Centric Bank prized recognition is being honored as an American Banker Best DEVON FINANCIAL CENTER 105 Lancaster Avenue, Devon, PA 19333 | (610) 710-4222 Banks to Work For three years in a row.

DOYLESTOWN COMMERCIAL LENDING OFFICE AND CONCIERGE FINANCIAL CENTER During COVID-19 and its devastating health and economic impact, we became a lifeline for 2003 S. Easton Road, Suite 205, Doylestown, PA 18901 | (267) 880-4333 our Doctor Centric Bank customers and small business owners. A trusted banker fighting for your survival is the difference between practices shuttering forever or emerging stronger and DEVON COMMERCIAL LENDING OFFICE 80 W. Lancaster Avenue, Suite 200, Devon, PA 19333 | (610) 710-4800 The Power of Private Banking smarter in a new economy that we have the power to define. Never has relationship banking LANCASTER COMMERCIAL LENDING OFFICE AND CONCIERGE FINANCIAL CENTER been more critical to a healthy community. As we demonstrated by providing more than 1,800 22 E. Roseville Road, Unit D, Lancaster, PA 17601 | (717) 614-6855 Paycheck Protection Program loans totaling $220 million, we are intentional, responsive, and creative advocates on behalf of businesses and entrepreneurs.

Corporate Headquarters 4320 Linglestown Road Harrisburg, PA 17112 (717) 657-7727 www.CentricBank.com Fax (717) 657-7748 www.DrCentricBank.com

Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. NMLS #690920

All credit subject to review and approval. 01.21 A Message from Doctor Centric Bank CEO Patti Husic

We understand the immense responsibilities of our health care professionals, and we salute you! Each health care company, medical manufacturer, physician, radiologist, and medical testing facility has a unique story to tell, and we are honored to strengthen your service to our community through seamless financial transactions. Centric Bank has originated millions in loans to this niche of community servants with our full suite of financial services, including up to 100% practice financing. In 2019, Doctor Centric Bank saw a 7.5% increase in loans outstanding, as well as deposit growth.

With a financial center next to the world-renown Penn State Health Milton S. Hershey Medical Center and the innovation engine at Hershey Center for Applied Research, our private banking team has more than 250 years of combined experience with providing cash and capital for growing businesses. Doctor Centric Bank takes care of your finances so you can focus on CENTRIC BANK FINANCIAL CENTERS AND COMMERCIAL LENDING OFFICES what really matters—the people who depend on your care. We respect the value of time and deliver the power of financial HEADQUARTERS AND LOWER PAXTON FINANCIAL CENTER 4320 Linglestown Road, Harrisburg, PA 17112 | (717) 657-7727 resources directly to you, wherever you are—at the office, at the CORPORATE, EXECUTIVE, OPERATIONS, AND MORTGAGE CENTER 1826 Good Hope Road, Enola, PA 17025 | (717) 657-7727 hospital, at home, or at one of our financial centers. CAMP HILL FINANCIAL CENTER 1625 Market Street, Camp Hill, PA 17011 | (717) 730-2816

A three-time American Banker Most Powerful Women in Banking DERRY TOWNSHIP FINANCIAL CENTER 1201 West Governor Road, Hummelstown, PA 17036 | (717) 533-7626 Top Team and seven-time recipient of Central Penn Business PATRICIA A. HUSIC SILVER SPRING FINANCIAL CENTER 6480 Carlisle Pike, Mechanicsburg, PA 17050 | (717) 591-1360 Journal’s Top 50 Fastest Growing Companies, Centric Bank’s most President & CEO Centric Bank prized recognition is being honored as an American Banker Best DEVON FINANCIAL CENTER 105 Lancaster Avenue, Devon, PA 19333 | (610) 710-4222 Banks to Work For three years in a row.

DOYLESTOWN COMMERCIAL LENDING OFFICE AND CONCIERGE FINANCIAL CENTER During COVID-19 and its devastating health and economic impact, we became a lifeline for 2003 S. Easton Road, Suite 205, Doylestown, PA 18901 | (267) 880-4333 our Doctor Centric Bank customers and small business owners. A trusted banker fighting for your survival is the difference between practices shuttering forever or emerging stronger and DEVON COMMERCIAL LENDING OFFICE 80 W. Lancaster Avenue, Suite 200, Devon, PA 19333 | (610) 710-4800 The Power of Private Banking smarter in a new economy that we have the power to define. Never has relationship banking LANCASTER COMMERCIAL LENDING OFFICE AND CONCIERGE FINANCIAL CENTER been more critical to a healthy community. As we demonstrated by providing more than 1,800 22 E. Roseville Road, Unit D, Lancaster, PA 17601 | (717) 614-6855 Paycheck Protection Program loans totaling $220 million, we are intentional, responsive, and creative advocates on behalf of businesses and entrepreneurs.

Corporate Headquarters 4320 Linglestown Road Harrisburg, PA 17112 (717) 657-7727 www.CentricBank.com Fax (717) 657-7748 www.DrCentricBank.com

Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. NMLS #690920

All credit subject to review and approval. 01.21