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 ) which, as of 11/9/07, range from 6.99% APR (7.04% APR in NV and 6.73% APR in FL and MD) to 9.30% APR for line amounts of $50,000 up to $500,000 (in NY our best rate is 6.48% APR). In AZ, CA, CT, DE, FL, GA, IL, MA, MI, NJ, OH, OR, PA, RI, and WA our best rate is 6.49% APR (6.48% APR in FL) for line amounts of $150,000 or greater ($100,000 or greater in OH and $250,000 or greater in CA, OR, and WA). In CO and UT our best rate is 6.74% APR for line amounts of $100,000 or greater. For the 6.74% APR in CO and UT, and for the 6.49% APR in AZ and OH, stated rates are good only for new Chase home equity customers who open a new, or have an existing, Chase deposit account. 1.00% will be added to rate for rental properties. Lifetime APR will not exceed 21%. Stated rate ranges are for a line of $50,000 to $500,000, with a combined-loan-to-value (CLTV) ratio of 80% or less. Please call about rates on lines below $50,000 and above $500,000, and for lines with a CLTV above 80%. The product requires an origination fee of $399, which may be financed (for TX homestead properties, financing of the origination fee requires that you take a minimum draw of $4,000 at closing). 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 South Carolina. 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. 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, 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 ) which, as of 11/9/07, range from 7.24% APR (7.29% APR in NV) to 9.55% APR for line amounts of $50,000 up to $500,000 (in NY our lowest rate is 6.99% APR, except for the five boroughs of NYC). In AZ, CA, CT, DE, FL, GA, IL, MA, MI, NJ, OH, OR, PA, RI, and WA our lowest rate is 6.74% APR (6.99% APR in FL) for line amounts of $150,000 or greater ($100,000 or greater in OH and $250,000 or greater in CA, OR, and WA). In CO and UT our lowest rate is 6.99% APR for line amounts of $100,000 or greater. For the 6.99% APR in CO and UT, and for the 6.74% APR in AZ and OH, stated rates are good only for new Chase home equity customers who open a new, or have an existing, Chase deposit account. 1.00% will be added to rate for rental properties. Lifetime APR will not exceed 21%. Stated rate ranges are for a line of $50,000 to $500,000, with a combined-loan-to-value (CLTV) ratio of 80% or less. Please call about rates on lines below $50,000 and above $500,000, and for lines with a CLTV above 80%. 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 South Carolina. 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. 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.