APR = Annual Percentage Rate. Requires an automatic
payment from a Centric Bank checking or savings account.
Interest rates are 0.50% higher without automatic payment.

Borrowers seeking higher than 85% LTV or first-lien home equity
should contact a local branch for details, as rates and/or costs
may be different than those listed.

*Closing costs waived with the exception of appraisal fee if an
appraisal is required. Fees are generally in a range of $110 - $500.

Interest rates effective 01/27/2012.

*Introductory annual percentage rate (APR) is 1.30% under the rate floor of 3.99% until December 31, 2012, after which will revert to a variable rate at WSJ Prime minus .50% with a rate floor of 3.99%. Introductory rate includes discounts for automatic debit from a Centric Bank account. Maximum APR is 18%. Ten years interest only line of credit followed by a ten year amortization.

**Closing costs waived with the exception of appraisal fee if an appraisal
is required. Fees are generally in a range of $110 - $500. Maximum
LTV 85%. Minimum line amount is $10,000. Existing Centric Bank HELOC account requires $10,000 increase in existing line to qualify for refinancing.

Property insurance required. All accounts are subject to approval. Consult
your tax advisor regarding the tax deductibility of interest and charges.
Offer subject to change at any time.

Borrowers seeking higher than 85% LTV or first-lien home equity should
contact a local branch for details, as rates and/or costs may be
different than those listed.

Interest rates effective 01/27/2012.