Business Rates — Effective as of Friday, February 5, 2016

Cornerstone Checking Accounts

Name Deposit to Open Minimum Balance to earn APY Rate APY
Business Plus Checking $100.00 N/A N/A N/A
Business Plus Interest Checking N/A $1,000.00 0.250% 0.250%1
Business Plus Non-Profit Checking N/A $0.01 0.250% 0.250%1

Savings Accounts

Name Deposit to Open Minimum Balance to earn APY Rate APY
Cornerstone Business Plus Savings $5.00 $0.01 0.300% 0.300%
Business Plus Money Market $2,500.00 $2,500.00
$25,000.00
$50,000.00
0.300%
0.349%
0.499%
0.300%
0.350%
0.500%

Cornerstone Certificates

Name Deposit to Open Minimum Balance to earn APY Rate APY
3-Month Business Certificate $1,000.00 N/A 0.296% 0.300%1
6-Month Business Certificate $1,000.00 N/A 0.737% 0.750%1
1-Year Business Certificate $1,000.00 N/A 0.982% 1.000%1
13-Month Business Certificate $1,000.00 N/A 1.031% 1.050%3
18-Month Business Certificate $1,000.00 N/A 1.712% 1.750%3
20-Month Bump Business Certificate $1,000.00 N/A 1.177% 1.200%2
2-Year Business Certificate $1,000.00 N/A 1.469% 1.500%1
3-Year Business Certificate $1,000.00 N/A 1.760% 1.800%1
4-Year Business Certificate $1,000.00 N/A 1.809% 1.850%1
5-Year Business Certificate $1,000.00 N/A 2.292% 2.350%1

1 APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year. Penalty may apply for early withdrawals from Certificates. Fees could reduce earnings on the account.Dividend rates on savings and checking accounts may change after the account is opened.

2 Stated rates applies to the initial 20-month Business Certificate only. A one-time "bump" is allowable during the initial 20-month term of the Certificate to a 1-year Business Certificate rate which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 1-Year Business Certificate at the APY then in effect, without any rate bump feature. Rate is subject to change without notice.

3 APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year.This account will automatically renew at maturity to our basic 1-year Certificate account. Penalty may apply for early withdrawals from Certificates. Fees could reduce earnings on the account.

Rates and terms are subject to change without notice.