National Adoption Month

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Chris Gifford, a Chase employee, and family

Chase New AdditionsSM Helping adoptive families finance the most important addition to their home.

Chase and The Dave Thomas Foundation for Adoption have joined forces to bring you Chase New Additions, a special program for adoptive families that includes a:

1% introductory rate discount for 6 months on a new home equity line of credit (After six months our regular rate will apply).

A Chase home equity line of credit can help you pay adoption expenses like:
	Agency and Legal Fees
	Home Study
	Medical expenses
	Travel
	Upgrading your home

With Chase you can also take advantage of:
	No closing costs or application fees
	Convenient payment options
	A streamlined application process - done in minutes
	Chase Equiline Visa Card - access your line of credit anywhere in the world
	Best of all, unlike other financing, the interest you pay on a home equity line may be tax deductible.

In order to qualify for the special introductory rate, call 1-866-345-7687 or apply via the online application button below. Remember to select "Line of credit". Chase New Additions is not available in Alaska, Hawaii, or South Carolina. Adoption Agencies: Order Chase New Additions brochures To learn more about adoption, call 1-800-ASK-DTFA or visit www.DaveThomasFoundationforAdoption.org

JPMorgan Chase Bank, N.A. Member FDIC

EQUAL HOUSING LENDER

The Dave Thomas Foundation for Adoption is a nonprofit 501(c)3 public charity dedicated to dramatically increasing the adoptions of the more than 140,000 children in North America's foster care systems waiting to be adopted. Created by Wendy's founder, Dave Thomas, who was adopted as a child, the Foundation spearheads programs such as Wendy's Wonderful Kids, which puts adoption recruiters in 50 states and Canada to find permanent, loving families for children in the foster care system, and Adoption-Friendly Workplace, which encourages employers to offer adoption benefits to their employees. The Foundation also works with adoption advocates and officials to streamline the adoption process and make adoption more affordable for families.

All products are subject to credit and property approval. Program terms and conditions are subject to change at any time without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

The Best Rate Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal). Available rates differ depending upon the state in which the collateral is located. The chart below sets forth the range of available rates as of 7/4/08:

State	APR Range (%)
IL	4.85-6.45 for lines of $50,000-99,999 and 4.24-5.84 for lines of $100,000-500,000
CO, DE, IN, KY, MI, MN, MO, NH, OH, OK, OR, PA, RI, WA, WI	4.85-6.45 for lines of $50,000-99,999 and 4.49-6.09 for lines of $100,000-500,000
AZ	4.85-6.45 for lines of $50,000-99,999 and 4.60-6.20 for lines of $100,000-500,000
FL	5.00-6.60 for lines of $50,000-99,999 and 4.49-6.09 for lines of $100,000-500,000
CT, ID, NC, NM, TX, UT	5.05-6.65 for lines of $50,000-99,999 and 4.49-6.09 for lines of $100,000-500,000
CA	5.05-6.65 for lines of $50,000-99,999 and 4.60-6.20 for lines of $100,000-500,000
AL, AR, DC, IA, KS, ME, MS, MT, ND, NE, SD, TN, VA, VT, WY	5.10-6.70 for lines of $50,000-99,999 and 4.49-6.09 for lines of $100,000-500,000
LA, MA, NV, WV	5.15-6.75 for lines of $50,000-99,999 and 4.49-6.09 for lines of $100,000-500,000
NJ	4.85-6.45 for lines of $50,000-99,999 and 4.74-6.34 for lines of $100,000-149,999 and 4.49-6.09 for lines of $150,000-500,000
MD	5.00-6.60 for lines of $50,000-99,999 and 4.40-6.00 for lines of $100,000-149,999 and 4.24-5.84 for lines of $150,000-500,000
NY (excluding the five boroughs of NYC)	5.10-6.70 for lines of $50,000-99,999 and 4.49-6.09 for lines of $100,000-149,999 and 4.35-5.95 for lines of $150,000-500,000
NYC, NY	5.20-6.80 for lines of $50,000-99,999 and 4.50-6.10 for lines of $100,000-149,999 and 4.24-5.84 for lines of $150,000-500,000
GA	5.20-6.80 for lines of $50,000-99,999 and 4.60-6.20 for lines of $100,000-149,999 and 4.49-6.09 for lines of $150,000-500,000

Advertised rates include a .25% rate discount for home equity lines secured by AZ, CO, CT, IL, IN, KY, LA, MI, NJ, NY, OH, OK, TX, UT, WV, or WI collateral. Rate discount requires a new or existing Chase personal checking account, and is good only on new home equity lines. Rate discount cannot be combined with any other offer. Lifetime APR will not exceed 21%. All stated rate ranges apply to lines secured by owner-occupied, single family (includes townhomes and rowhomes) collateral. Florida condominiums are not currently accepted as collateral. Ask us about our collateral and combined-loan-to-value (CLTV) ratio requirements to be eligible for these rates. The product requires an origination fee of $399, which may be financed (for TX homestead properties, the origination fee may not be financed). Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well. You may obtain advances during the first 10 years of the line (9 years and 10 months in CT) (the ?Draw Period?). Depending upon your credit profile, your minimum payment during the Draw Period will be either (a) the accrued interest for each month, or (b) the greatest of the accrued interest for each month, 1% of the outstanding balance, or $100. Your payment will include principal and interest in the subsequent 20-year repayment period (20 years and 2 months in CT). While making interest-only payments, principal is not reduced. At the end of this period, even if the interest rate stays the same, your monthly payment will increase, possibly substantially, because you will be required to pay down the outstanding principal. Always consider paying more than the minimum payment to pay down the principal. The Best Rate Line of Credit may not be used to purchase the property being used as collateral, and is not available in AK, HI, or SC. Borrower is responsible for a $50 annual fee after the first year, except for TX Homestead properties. If you close your line of credit within 36 months of the date upon which it is opened, you will be required to pay an early account closure fee, equal to the lesser of 1% of the line amount, or $400 (except in FL, GA, KS, MD, MN, NC, NY, VA, TX Homestead, and Orleans Parish of LA). In AL, FL, GA, KS, the Orleans Parish of LA, MD, MN, NY, OK, TN and VA only, you will be required to pay for City/County/State Taxes and Stamps estimated to be $10-$6,650 ($375-$10,845 in NY), which may also be financed. The No Closing Cost Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal). Available rates differ depending upon the state in which the collateral is located. The chart below sets forth the range of available rates as of 7/4/08:

State	APR Range (%)
IL	5.10-6.70 for lines of $50,000-99,999 and 4.49-6.09 for lines of $100,000-500,000
CO, DE, IN, KY, MI, MN, MO, NH, OH, OK, OR, PA, RI, WA, WI	5.10-6.70 for lines of $50,000-99,999 and 4.74-6.34 for lines of $100,000-500,000
AZ	5.10-6.70 for lines of $50,000-99,999 and 4.85-6.45 for lines of $100,000-500,000
CT, ID, NC, NM, TX, UT	5.30-6.90 for lines of $50,000-99,999 and 4.74-6.34 for lines of $100,000-500,000
CA	5.30-6.90 for lines of $50,000-99,999 and 4.85-6.45 for lines of $100,000-500,000
AL, AR, DC, IA, KS, ME, MS, MT, ND, NE, SD, TN, VA, VT, WY	5.35-6.95 for lines of $50,000-99,999 and 4.74-6.34 for lines of $100,000-500,000
LA, MA, NV, WV	5.40-7.00 for lines of $50,000-99,999 and 4.74-6.34 for lines of $100,000-500,000
FL	5.50-7.10 for lines of $50,000-99,999 and 4.99-6.59 for lines of $100,000-500,000
NJ	5.10-6.70 for lines of $50,000-99,999 and 4.99-6.59 for lines of $100,000-149,999 and 4.74-6.34 for lines of $150,000-500,000
GA	5.45-7.05 for lines of $50,000-99,999 and 4.85-6.45 for lines of $100,000-149,999 and 4.74-6.34 for lines of $150,000-500,000
MD	5.50-7.10 for lines of $50,000-99,999 and 4.90-6.50 for lines of $100,000-149,999 and 4.74-6.34 for lines of $150,000-500,000
NY (excluding the five boroughs of NYC)	5.60-7.20 for lines of $50,000-99,999 and 4.99-6.59 for lines of $100,000-149,999 and 4.85-6.45 for lines of $150,000-500,000
NYC, NY	5.95-7.55 for lines of $50,000-99,999 and 5.25-6.85 for lines of $100,000-149,999 and 4.99-6.59 for lines of $150,000-500,000

Advertised rates include a .25% rate discount for home equity lines secured by AZ, CO, CT, IL, IN, KY, LA, MI, NJ, NY, OH, OK, TX, UT, WV, or WI collateral. Rate discount requires a new or existing Chase personal checking account, and is good only on new home equity lines. Rate discount cannot be combined with any other offer. Lifetime APR will not exceed 21%. All stated rate ranges apply to lines secured by owner-occupied, single family (includes townhomes and rowhomes) collateral. Florida condominiums are not currently accepted as collateral. Ask us about our collateral and combined-loan-to-value (CLTV) ratio requirements to be eligible for these rates. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well. You may obtain advances during the first 10 years of the line (9 years and 10 months in CT) (the ?Draw Period?). Depending upon your credit profile, your minimum payment during the Draw Period will be either (a) the accrued interest for each month, or (b) the greatest of the accrued interest for each month, 1% of the outstanding balance, or $100. Your payment will include principal and interest in the subsequent 20-year repayment period (20 years and 2 months in CT). While making interest-only payments, principal is not reduced. At the end of this period, even if the interest rate stays the same, your monthly payment will increase, possibly substantially, because you will be required to pay down the outstanding principal. Always consider paying more than the minimum payment to pay down the principal. The No Closing Cost Line of Credit may not be used to purchase the property being used as collateral, and is not available in AK, HI, or SC. Borrower is responsible for a $50 annual fee after the first year, except for TX Homestead properties. If you close your line of credit within 36 months of the date upon which it is opened, you will be required to pay an early account closure fee, equal to the lesser of 1% of the line amount, or $400 (except in NC and TX Homestead). In FL, GA, KS, MD, MN, NY, VA and Orleans Parish of LA, Chase pays your mortgage taxes for you, estimated to be $10-$6,650 ($375-$10,845 in NY). However, in these states, in addition to any account closure fee, you will also be required to repay anywhere from 50-100% of the mortgage tax amount if you close your line within the first 36 months after the date it is opened.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.

FOREIGN TRANSACTIONS: We will charge, and you will pay, in U.S. Dollars for all foreign transactions at the exchange rate in effect at the time the transaction is entered to your credit account, including any special currency exchange charges.

AVAILABILITY OF CARD ACCESS: Chase Equiline Platinum Visa card is not currently available in CT, NY, and for accounts secured with TX
Homestead properties.