Change in Lending Policy

On May 28, 2009, Clearview’s lending policy for our Visa^® Credit Cards will change from a “one rate fits all” policy to one that is personalized to you.

This program is called Reward Based Pricing, and is currently used to determine rates for other lending products, such as auto loans and fixed-rate home equity loans.

Under this Reward Based Pricing program, your Visa rate will be determined according to your personal credit profile.

Your Visa rate will be the lowest that it can be based on a review of your credit background.

Your account may be reviewed no more than once every six months, and, subject to applicable law, your rate may be changed to reflect changes in your credit report.

Your current rate will appear on your monthly Visa statement. You will be notified of your rate with a message on your Visa statement.

Existing Visa balances will not be affected by this change. All purchases made on or after May 28, 2009, will be subject to the rate determined by this Reward Based Pricing policy.

Visa Platinum Rewards rates will not be affected by this change, and will continue to be determined by the prime rate, plus a margin.

If you have any questions on Reward Based Pricing, please feel free to call us at
1-800-926-0003.