FREE GIFT * WITH A TOTALLY FREE CHECKING ACCOUNT

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2 FREE GIFT * WITH A TOTALLY FREE CHECKING ACCOUNT Choose one of our great checking accounts now and receive a gift! We ll also buy back debit cards and unused checks from your current bank or credit union and give you up to $10!** *Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. **Up to $10 cash for checks and debit cards from another financial institution. Offer good on personal accounts only. Ask about our great business checking option. Credit union rules and regulations apply. Minimum opening deposit is $50.

3 .25 % APY* BONUS ON YOUR NEXT CERTIFICATE Certificates are a great way to save for specific goals. Our certificates offer high yields based on current market trends for your long-term investment needs. Choose from maturity terms of six to 60 months. *Annual Percentage Yield. Offer not valid in conjunction with promotional, Step-Up, Add-On or Jumbo certificates. Minimum deposit of $500 required. After certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawal. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

4 .25 % APR* DISCOUNT OFF THE RATE ON YOUR NEXT AUTO LOAN Whether you are looking at a new convertible, a used SUV or anything in between, Centris is here to help get you the vehicle of your dreams. Stop in to save on our already great loan rates and pick a payment that makes sense to you! *Annual Percentage Rate. Not valid with any other offers. Borrower must have a Centris checking account with direct deposit and autopay of loan payment. Fixed rates only. $10,000 new money required. Loan needs to be secured by a new or used vehicle that is seven years old or newer model. Rates are based on credit worthiness. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

5 .25 % APR* DISCOUNT OFF THE RATE ON YOUR NEXT FIXED HOME EQUITY LOAN You work hard around the house. Now let your house do some work for you! A Home Equity loan from Centris is a great way to make improvements on your home, pay off high interest credit cards or consolidate debt. *Annual Percentage Rate. Not valid with any other offers. Borrower must have a Centris checking account with direct deposit and autopay of loan payment. $2,500 new money required. Fixed rates only. First Mortgage loans not eligible. Single family owner occupied homes. Rates are based on credit worthiness. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

6 .25 % APR*DISCOUNT OFF THE RATE ON YOUR NEXT VACATION LOAN Sand or snow, ocean or mountain, the choice is yours! Take the vacation of your dreams! We are here to help get you there and help you have a great time with low rates and easy payment terms. *Annual Percentage Rate. Not valid with any other offers. Borrower must have a Centris checking account with direct deposit and autopay of loan payment. $1,000 new money required. Fixed rates only. Rates are based on credit worthiness. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

7 .25 % APR* DISCOUNT OFF THE RATE ON YOUR NEXT HOLIDAY LOAN Need extra cash to get you through the holiday season? Instead of putting purchases on a high interest credit card, come talk to us about a great rate and easy payment terms on our special holiday loans. * Annual Percentage Rate. Not valid with any other offers. Borrower must have a Centris checking account with direct deposit and autopay of loan payment. $1,000 new money required. Fixed rates only. Rates are based on credit worthiness. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

8 .25 % APR*DISCOUNT OFF THE RATE ON YOUR NEXT BOAT, RV OR MOTORCYCLE LOAN Just because you re an adult doesn t mean you don t need toys! Centris has the loan for your boat, RV, motorcycle or any of those toys you deserve. We have great rates and payment terms to get you out on the open water or open road today! *Annual Percentage Rate. Not valid with any other offers. Borrower must have a Centris checking account with direct deposit and autopay of loan payment. Fixed rates only. $2,000 new money required. Rates are based on credit worthiness. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

9 $250 * DISCOUNT MORTGAGE LOAN SAVINGS Use this coupon to receive a $250 discount on our already low mortgage closing costs. Looking at buying, building or refinancing? Contact our professionals in our Mortgage Department to learn about our great rates and terms! *Not valid with any other offers. One coupon per household. $50,000 new money required. Coupon must be presented at time of application. Coupon only valid on a first-lien purchase money or refinance. Single family owner occupied homes. Primary residence only. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

10 .25 % APR*DISCOUNT OFF THE RATE ON YOUR NEXT HOME IMPROVEMENT LOAN Need new carpet, update an outdated kitchen or plans for landscaping? Come talk to us and let us get you the cash you need to improve your home at a great rate and easy payment terms. *Annual Percentage Rate. Not valid with any other offers. Borrower must have a Centris checking account with direct deposit and autopay of loan payment. $1,000 new money required. Fixed rates only. First mortgage loans not eligible. Single family owner occupied homes. Rates are based on credit worthiness. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

11 .25 % APR* DISCOUNT OFF THE RATE ON YOUR NEXT LOAN OF YOUR CHOICE Use this coupon to save even more on an already great loan rate. Contact Centris to take advantage of this great offer! *Annual Percentage Rate. Not valid with any other offers. Borrower must have a Centris checking account with direct deposit and autopay of loan payment. Fixed rates only. If coupon redeemed for new or used vehicle loans, $10,000 new money required. If coupon redeemed for secured loan, $2,000 new money required. If coupon redeemed for unsecured loans and personal loans, $1,000 new money required. First-lien purchase money mortgages, student loans, credit cards, HELOCs, home equity and line of credit loans are not eligible. Rates are based on credit worthiness. Rates and terms are subject to change. Coupon void without prior notice upon discontinuation of the Work Program.

12 $5 BONUS * WHEN YOU OPEN A NEW RAFFERTY CLUB ACCOUNT Centris is committed to the financial education of all our members, especially our younger ones. That is why we have designed special programs like the Rafferty Club for kids age 12 and younger. Stop by or call to open a Rafferty Club account for your special young person. *Not valid with any other offers. Limit one coupon per account. Members with existing Rafferty accounts are not eligible for this offer. $5 will immediately be deposited into the Rafferty account once the account is opened. Coupon void without prior notice upon discontinuation of the Work Program.

13 FREE GIFT * WHEN YOU TELL-A-FRIEND ABOUT TOTALLY FREE CHECKING! Three Easy Steps to Your FREE Gift: Print your name and address on this form and give it to a friend. When your friend opens a new checking account with us and gives us this coupon, we ll validate it and mail it to you. Bring the validated form to us to get your FREE gift! Tell a friend today! *We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Name Address City State Zip Code Issuing Branch # Account Open Date For Credit Union Use Only Issuing Employee Opening Branch