*Not valid for current Cornerstone Bank checking account customers. Open a new checking account at Cornerstone Bank and meet 2 of the 4 criteria below in the first 60 days of account opening in order to be eligible for a $150 account credit: at least one monthly recurring deposit posted; at least one monthly recurring automatic withdrawal posted; make 20 or more transactions (debits or credits); maintain a minimum average available balance of $2,000 for the first 60 days of opening the account. $150 account credit is considered taxable income and will be applied 1/30/26 if qualifications are met. Effective 10/3/25 – 11/14/25

**Not valid for current Cornerstone Bank checking account customers. Annual Percentage Yield (APY) applies to 5-month CD and is available when you move your checking account to Cornerstone Bank. Requires minimum opening deposit of $5,000 in new money and renews into a 6-month CD. 91-day early withdrawal penalty may be imposed. Interest compounded and credited at maturity. Fees may reduce earnings on the account. For business or personal deposits, not IRAs. Not for institutional or public funds. Additional CD options available. Effective 10/3/25 – 11/14/25