Centric Financial : Proxy Notice & Card 2022

Important Notice Regarding the Availability of Proxy Materials for the Shareholder Meeting of

CENTRIC FINANCIAL CORPORATION

To Be Held On:

Thursday, May 19, 2022 at 10:00 a.m. EDT virtually athttps://web.lumiagm.com/224462133(password: centric2022)

JOHN SMITH

1234 MAIN STREET APT. 203

NEW YORK, NY 10038

COMPANY NUMBER

ACCOUNT NUMBER

CONTROL NUMBER

This communication presents only an overview of the more complete proxy materials that are available to you on the Internet. We encourage you to access and review all of the important information contained in the proxy materials before voting.

If you want to receive a paper or e-mail copy of the proxy materials you must request one. There is no charge to you for requesting a copy. To facilitate timely delivery please make the request as instructed below before 5/9/2022.

Please visithttp://www.astproxyportal.com/ast/21135/, where the following materials are available for view:

• • Notice of Annual Meeting of Stockholders

• • Proxy Statement

• • Form of Electronic Proxy Card

• • Annual Report

TO REQUEST MATERIAL:TELEPHONE: 888-Proxy-NA (888-776-9962) 718-921-8562 (for international callers) E-MAIL:[e-mail]

WEBSITE:https://us.astfinancial.com/OnlineProxyVoting/ProxyVoting/RequestMaterialsTO VOTE:

ONLINE: To access your online proxy card, please visitwww.voteproxy.com and follow the on-screen instructions or scan the QR code with your smartphone. You may enter your voting instructions atwww.voteproxy.comup until 11:59 PM EDT the day before the cut-off or meeting date.

AT THE VIRTUAL MEETING: You may vote your shares by attending the Virtual Annual Meeting. To attend the meeting via the Internet, please visithttps://web.lumiagm.com/224462133(password: centric2022) and be sure to have your control number available.

MAIL: You may request a card by following the instructions above.

1. Election of Directors:

2. The ratification of the selection of S.R Snodgrass, P.C. as the Company's independent registered public accounting firm for 2022.

NOMINEES FOR CLASS A DIRECTORS:

Jessica E. Meyers Kerry A. Pae

THE BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR" THE ELECTION OF DIRECTORS AND "FOR" PROPOSAL 2.

Please note that you cannot use this notice to vote by mail.

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0

CENTRIC FINANCIAL CORPORATION

Proxy for Annual Meeting of Shareholders on May 19, 2022

Solicited on Behalf of the Board of Directors

The undersigned hereby appoints Steven P. Dayton and John A. Maher, or either of them, with full power of substitution, to act as proxies for the undersigned to vote all shares of common stock of Centric Financial Corporation which the undersigned is entitled to vote at the Annual Meeting of Stockholders (the "Meeting") to be held in a virtual meeting format only, with no physical location, at 10:00 a.m. EDT on Thursday, May 19, 2022, and at any adjournment or postponement thereof. Virtual meeting instructions are located in the proxy statement. This proxy is solicited by the Board of Directors. The persons appointed as proxies are authorized to cast all votes to which the undersigned is entitled as follows:

(Continued and to be signed on the reverse side.)

1.1

14475

ANNUAL MEETING OF SHAREHOLDERS OF

CENTRIC FINANCIAL CORPORATION

May 19, 2022

PROXY VOTING INSTRUCTIONS

INTERNET - Access "www.voteproxy.com" and follow the on-screen instructions or scan the QR code with your smartphone. Have your proxy card available when you access the web page.

Vote online until 11:59 PM EDT the day before the meeting.

MAIL - Sign, date and mail your proxy card in the envelope provided as

soon as possible.

AT THE VIRTUAL MEETING - You may vote your shares by attending the Virtual Annual Meeting. To attend the meeting via the Internet, please visithttps://web.lumiagm.com/224462133(password: centric2022) and be sure to have your control number available.

NOTICE OF INTERNET AVAILABILITY OF PROXY MATERIALS: The Notice of Meeting, proxy statement, 2021 Annual Report and proxy card are available athttp://www.astproxyportal.com/ast/21135/

Please detach along perforated line and mail in the envelope provided IF you are not voting via the internet.

20230000000000001000 9

051922

THE BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR" THE ELECTION OF DIRECTORS AND "FOR" PROPOSAL 2.

PLEASE SIGN, DATE AND RETURN PROMPTLY IN THE ENCLOSED ENVELOPE. PLEASE MARK YOUR VOTE IN BLUE OR BLACK INK AS SHOWN HERE x

FOR AGAINST ABSTAIN

1. Election of Directors:

2. The ratification of the selection of S.R Snodgrass, P.C. as the

NOMINEES FOR CLASS A DIRECTORS:

Company's independent registered public accounting firm for 2022.

FOR ALL NOMINEES

O Jessica E. Meyers

O Kerry A. Pae

WITHHOLD AUTHORITY FOR ALL NOMINEES

FOR ALL EXCEPT (See instructions below)

In their discretion, the proxies are authorized to vote upon such other business as may properly come before the Annual Meeting. This proxy when properly executed will be voted as directed herein by the undersigned shareholder. If no direction is made, this proxy will be voted FOR ALL NOMINEES in Proposal 1 and FOR Proposal 2.

INSTRUCTIONS: To withhold authority to vote for any individual nominee(s), mark "FOR ALL EXCEPT"

and fill in the circle next to each nominee you wish to withhold, as shown here:

JOHN SMITH

1234 MAIN STREET

APT. 203

NEW YORK, NY 10038

To change the address on your account, please check the box at right and indicate your new address in the address space above. Please note that changes to the registered name(s) on the account may not be submitted via this method.

Signature of ShareholderDate:Signature of ShareholderDate:

Note: Please sign exactly as your name or names appear on this Proxy. When shares are held jointly, each holder should sign. When signing as executor, administrator, attorney, trustee or guardian, please give full title as such. If the signer is a corporation, please sign full corporate name by duly authorized officer, giving full title as such. If signer is a partnership, please sign in partnership name by authorized person.