<SEC-DOCUMENT>0001144204-13-052465.txt : 20130926
<SEC-HEADER>0001144204-13-052465.hdr.sgml : 20130926
<ACCEPTANCE-DATETIME>20130926100800
ACCESSION NUMBER:		0001144204-13-052465
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20130926
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20130926
DATE AS OF CHANGE:		20130926

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CORNERSTONE BANCSHARES INC
		CENTRAL INDEX KEY:			0001038773
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				621173944
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30497
		FILM NUMBER:		131115864

	BUSINESS ADDRESS:	
		STREET 1:		835 GEORGIA AVENUE
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37402
		BUSINESS PHONE:		423-385-3000

	MAIL ADDRESS:	
		STREET 1:		6401 LEE HIGHWAY SUITE 119
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37421

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EAST RIDGE BANCSHARES INC
		DATE OF NAME CHANGE:	19970507
</SEC-HEADER>
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<TYPE>8-K
<SEQUENCE>1
<FILENAME>v355847_8k.htm
<DESCRIPTION>8-K
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549<BR>
<BR>
<IMG SRC="image_001.jpg" ALT="" STYLE="height: 73px; width: 324px"></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K<BR>
<BR>
CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Section 13 OR 15(d) of The
Securities Exchange Act of 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <td style="width: 45%; font-size: 10pt"><font style="font-size: 10pt">Date of Report (Date of earliest event reported)</font></td>
    <td style="width: 55%; border-bottom: black 1pt solid; font-size: 10pt"><font style="font-size: 10pt"><b>September 26, 2013</b></font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <td style="border-bottom: black 1pt solid; font-size: 10pt; text-align: center">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><font style="font-size: 10pt">(Exact name of registrant as specified in its charter)</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
    <td style="width: 34%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>Tennessee</b></font></td>
    <td nowrap style="width: 33%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>000-30497</b></font></td>
    <td nowrap style="width: 33%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>62-1173944</b></font></td></tr>
<tr style="vertical-align: bottom">
    <td>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(State or other jurisdiction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">of incorporation)</P></td>
    <td>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Commission</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">File Number)</P></td>
    <td>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(I.R.S. Employer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Identification No.)</P></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr>
    <td style="vertical-align: bottom; width: 41%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>835 Georgia Avenue, Chattanooga, Tennessee</b></font></td>
    <td style="width: 26%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center">&nbsp;</td>
    <td nowrap style="vertical-align: bottom; width: 33%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><font style="font-size: 10pt"><b>37402</b></font></td></tr>
<tr>
    <td style="vertical-align: bottom; font-size: 10pt; text-align: center"><font style="font-size: 10pt">(Address of principal executive offices)</font></td>
    <td style="font-size: 10pt; text-align: center">&nbsp;</td>
    <td style="vertical-align: bottom; font-size: 10pt; text-align: center"><font style="font-size: 10pt">(Zip Code)</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <td style="width: 45%; font-size: 10pt"><font style="font-size: 10pt">Registrant&rsquo;s telephone number, including area code</font></td>
    <td nowrap style="width: 55%; border-bottom: black 1pt solid; font-size: 10pt"><font style="font-size: 10pt"><b>(423) 385-3000</b></font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr>
    <td style="border-bottom: black 1pt solid; font-size: 10pt">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><font style="font-size: 10pt">(Former name or former address, if changed since last report.)</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 22.5pt"><BR>
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions (see General Instruction A.2. below):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 22.5pt">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <TD STYLE="width: 10px; font-size: 10pt; text-align: justify">&nbsp;</td>
    <TD STYLE="width: 24px; font-size: 10pt"><font style="font: 10pt Wingdings 2">&pound;</font></td>
    <TD STYLE="font-size: 10pt; text-align: justify"><font style="font-size: 10pt">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <TD STYLE="width: 10px; font-size: 10pt; text-align: justify">&nbsp;</td>
    <TD STYLE="width: 24px; font-size: 10pt"><font style="font: 10pt Wingdings 2">&pound;</font></td>
    <TD STYLE="font-size: 10pt; text-align: justify"><font style="font-size: 10pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <TD STYLE="width: 10px; font-size: 10pt; text-align: justify">&nbsp;</td>
    <TD STYLE="width: 24px; font-size: 10pt"><font style="font: 10pt Wingdings 2">&pound;</font></td>
    <TD STYLE="font-size: 10pt; text-align: justify"><font style="font-size: 10pt">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <TD STYLE="width: 10px; text-align: justify">&nbsp;</td>
    <TD STYLE="width: 24px"><font style="font: 10pt Wingdings 2">&pound;</font></td>
    <TD STYLE="text-align: justify"><font style="font-size: 10pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <TD STYLE="width: 10%"><font style="font-size: 10pt"><b>Item 5.02</b></font></td>
    <TD STYLE="width: 90%"><font style="font-size: 10pt"><b>Departure of Directors or Certain Officers</b></font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 1in; text-indent: 0in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 10%; text-align: justify">On
September 26, 2013, the Registrant announced the retirement of Lawrence D. Levine from its Board of Directors, effective as of
the September 23, 2013 Board Meeting.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.75in">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <td style="width: 10%"><font style="font-size: 10pt"><b>Item 9.01.</b></font></td>
    <td style="width: 90%"><font style="font-size: 10pt"><b>Financial Statements and Exhibits.</b></font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
    <td style="width: 10%; font-size: 10pt"><font style="font-size: 10pt">(c)</font></td>
    <td style="width: 90%; font-size: 10pt"><font style="font-size: 10pt">Exhibits</font></td></tr>
<tr>
    <TD COLSPAN="2" STYLE="padding: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td nowrap style="font-size: 10pt"><font style="font-size: 10pt">99.1</font></td>
    <td style="font-size: 10pt"><font style="font-size: 10pt">Press release dated September 26, 2013, announcing the retirement of Lawrence D. Levine from the Cornerstone Bancshares, Inc. Board of Directors.</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.75in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 22.5pt">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 22.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr>
    <TD STYLE="padding: 0.75pt">&nbsp;</td>
    <td colspan="2" style="vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt"><font style="font-size: 10pt"><b>CORNERSTONE BANCSHARES, INC. </b></font></td>
    <TD>&nbsp;</td></tr>
<tr>
    <TD STYLE="padding: 0.75pt">&nbsp;</td>
    <td colspan="2" style="vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt"><font style="font-size: 10pt">(Registrant)</font></td>
    <TD>&nbsp;</td></tr>
<tr>
    <TD STYLE="padding: 0.75pt">&nbsp;</td>
    <td colspan="2" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt">&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr>
    <TD STYLE="padding: 0.75pt">&nbsp;</td>
    <td colspan="2" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt">&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Date: September 26, 2013</font></td>
    <td colspan="2" style="padding: 0.75pt">&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt; width: 50%">&nbsp;</td>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt; width: 3%"><font style="font-size: 10pt">By:</font></td>
    <TD STYLE="border-bottom: black 1pt solid; width: 30%"><font style="font-size: 10pt">/s/ Nathaniel F. Hughes</font></td>
    <TD STYLE="width: 17%">&nbsp;</td></tr>
<tr>
    <TD STYLE="padding: 0.75pt">&nbsp;</td>
    <td colspan="2" style="vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt"><font style="font-size: 10pt">Nathaniel F. Hughes,</font></td>
    <TD>&nbsp;</td></tr>
<tr>
    <TD STYLE="padding: 0.75pt">&nbsp;</td>
    <td colspan="2" style="vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-bottom: 0.75pt"><font style="font-size: 10pt">President and Chief Executive Officer</font></td>
    <TD>&nbsp;</td></tr>
<tr>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr>
    <td style="width: 100%; text-align: center">&nbsp;</td></tr>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>v355847_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Charter Director Lawrence Levine Retires
from Cornerstone Bancshares Board</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CHATTANOOGA, Tenn &ndash; September 26, 2013 -- Cornerstone
Bancshares, Inc. (OTC Bulletin Board: CSBQ; CSBQP) today announced the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">After 18 years of loyal service as a charter board member, Lawrence
D. Levine retired from the Cornerstone Bancshares, Inc. Board of Directors on Monday, September 23, 2013. He was honored at a celebration
with his family and fellow Board members at Cornerstone&rsquo;s monthly Board meeting on that same date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;Lawrence has been a pivotal part of Cornerstone since
its beginnings,&rdquo; said Cornerstone&rsquo;s Board Chairman Miller Welborn. &ldquo;We are eternally grateful for his dedication,
leadership and faithful service.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A native of Chattanooga, Levine graduated from The Baylor School
in 1947 and the University of Tennessee in Knoxville in 1952. He served in the U.S. Army from 1953-1955. After his discharge with
the rank of Sergeant, Levine worked for four years in the retail jewelry business before beginning a career in the insurance industry
that spanned 52 years. He retired in 2011 as an independent insurance broker specializing in commercial property and casualty insurance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In addition to serving on the Cornerstone Bancshares, Inc. and
Cornerstone Bancshares Foundation boards, Levine also served on the Baylor School Board of Trustees from 1992-1998 and was Past
President of the Arts &amp; Education Council, Insurers of Chattanooga, Insurers of Tennessee, Mizpah Congregation, the National
Association for The Craniofacially Handicapped, St. Barnabas Nursing Home and Apartments, and the University of Tennessee Hamilton
County Alumni Association. . His honors include being named Tennessee Insurer of the Year in 1970, and Chattanooga Insurer of the
Year in 1978. In addition, he is recipient of the Baylor School Distinguished Alumnus Award in 1978, Mizpah Congregation Tree of
Life Award in 1990, and Baylor School Volunteer of the Year in 1996.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Levine will continue to serve as an Advisory Director for Cornerstone
but says he looks forward to spending more time with his family, including his wife, Anita Siskin Levine; two children, Margaret
Levine of Nashville, TN; and Maurice Levine of Columbus, OH; and two grandchildren.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;Cornerstone stands as the strong community bank it is
today largely due to Lawrence&rsquo;s vision and sound guidance through the years,&rdquo; said Welborn. &ldquo;We are forever indebted
to him for his many contributions.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Founded in 1996, Cornerstone is a single-bank holding company,
with $435 million in assets, serving the Chattanooga, Tennessee MSA, with five full-service branch locations throughout Chattanooga
and one loan production office in Dalton, Georgia. Locally owned and locally operated, Cornerstone specializes in providing a comprehensive
range of customized financial solutions for businesses and individuals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Certain of the statements made in this release may constitute
forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange
Act of 1934. Such forward-looking statements, including statements regarding the intent, belief or current expectations of Cornerstone
and its management regarding the company&rsquo;s strategic directions, prospects and future results, involve certain risks and
uncertainties. Certain factors may cause actual results to differ materially from those contained in the forward-looking statements,
including economic and other conditions in the markets in which Cornerstone operates, governmental regulations, the company&rsquo;s
competitive environment, cyclical and seasonal fluctuations in its operating results, and other risks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Contact:</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">N. Frank Hughes</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President &amp; CEO</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">423-385-3009</P>



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