1

APR = Annual Percentage Rate. Rate discount applies to minimum loan amount of $10,000. Rate is based on a five year term at 80% loan-to-value. Rate includes a .25% discount for automatic payment. No other discounts can be combined or used in conjunction with this offer. Rates effective as of April 1, 2008. Other rates and terms are available. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.

2

APR = Annual Percentage Rate. This Home Equity Line of Credit is based on a 20-year term at 80% loan-to-value. The APR will be indexed to the Prime Rate-0.75%. The index used to determine the APR will be the Prime Rate found in the Money Rates Section of the Wall Street Journal published on the first working day of the month. The APR will then be adjusted on the first of the following month. Minimum credit limit is $10,000. Rates effective as of May 1, 2008. Other rates and terms are available. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.

3

Maximum closing cost reimbursement amount is $500.00. Closing cost amount will be rebated after you finance a minimum of $10,000 in a new Home Equity Loan or new HELOC, with a minimum advance of $10,000. Closing costs will also be rebated with a minimum of $5,000 added on to an existing Clearview Home Equity Loan or HELOC. If a loan is remortgaged with another financial institution or paid off within six months of origination, the rebate must be reimbursed to Clearview.