Effective October 31, 2014

Deposit Accounts

Annual Percentage Yield

 Interest Rate

Hometown Checking
Account
(Split Rate)

$0.00 - $25,000.00

1.26%

1.25%

$25,000.01 and above

.25%

.25%

       Money Market    Accounts

Personal

$0.00 - $24,999.99

.10%

.10%

$25,000.00 - $99,999.99

.25%

.25%

$100,000.00 - $199,999.99

.40%

.40%

$200,000.00 - $299,999.99

.45%

.45%

$300,000.00 and above

.50%

.50%

Money Market
Accounts

Business

$0.00 - $24,999.99

.10%

.10%

$25,000.00 - $99,999.99

.20%

.20%

$100,000.00 - $199,999.99

.25%

.25%

$200,000.00 - $299,999.99

.30%

30%

$300,000.00 and above

.40%

.40%

Savings Account

$100.00 minimum to open

.15%

.15%

These are variable rate accounts and, as such, the interest rate and annual percentage yields 
are subject to change at any time. Interest accrues daily and credited monthly.  Saving account                       
accrues daily and is credited quarterly.

    Certificate of Deposit & Individual Retirement Account

Annual Percentage Yield

Interest Rate

30 days

.05%

.05%

31 – 90 days

.08%

.08%

91 – 182 days

.13%

.13%

06 – 12 months

.12%

.12%

12 months

.33%

.33%

18 months

.30%

.30%

24 months

.33%

.33%

36 months

.45%

.45%

48 months

.58%

.58%

60 months and above

.68%

.68%

Annual Percentage Yield is current as of date above. Rates are subject to change at any
time without prior notice. A penalty may be imposed for early withdrawal. Unless
otherwise specified, a Cornerstone Bank CD requires a minimum of $1,000.00 to open.
Interest is compounded and credited quarterly (or you may receive interest by direct deposit).
CDs are automatically renewable unless otherwise disclosed at the time the account is opened.
The minimum term for IRA deposits is six months.

Car Loans New or Used by Year

Term

Note Rate / Annual Percentage Rate

2012 & 2013

48 mos.

6.95% / 6.95%

60 mos.

7.16% / 7.16%

2011

48 mos.

6.95% / 6.95%

60 mos.

7.16% / 7.16%

2010

48 mos.

7.00% / 7.00%

60 mos.

7.20% / 7.20%

2009

48 mos.

8.15% / 8.15%

2008

48 mos.

8.40% / 8.40%

2007

42 mos.

8.65% / 8.65%

Loan example information — A down payment of up to 20% may be required. A purchase price
of $15,000 with a 20% down payment for 60 months at a Note Rate and an annual percentage rate
of 7.16% would result in a monthly payment of $238.52. This is an example of a typical transaction
that is currently available.  These loan rates are available to consumers only. Loans on motorcycles
and boats add 1.00%.  

The above rate information does not constitute an offer.  All rates are subject to change st any time. 
All loans are underwritten at the time of application and are applicable only to a specific vehicle. 
Vehicles with mileage in excess of 80,000 miles will be considered on a case by case situation.
 Vehicle evaluations are determined by the NADA Guide. Rates are subject to change without notice.
 With an auto-debit on yourCornerstone Bank account, the rate will be .25% lower.