Airline reward miles are subject to the terms and conditions of each participating airline's frequent flyer program, as applicable.

Advertised rewards available for new applications only. Applications must be submitted by calling the number referenced in this advertisement, by visiting a Chase branch and requesting the partner program, or by visiting www.chase.com/usairways . Rewards will not be granted on existing loans or lines of credit or on applications submitted before 10/01/2005.

Please allow six to eight weeks for Dividend Miles to post to your account.

Dividend Miles are awarded only on funds drawn at closing for lines of credit.

US Airways reserves the right to change, suspend, or terminate any or all rules, regulations, travel programs or offers of the Dividend Miles program at any time without notice. Miles earned are subject to terms and conditions of the Dividend Miles program. Award seats are subject to availability. Blackout dates apply. US Airways and Dividend Miles are registered trademarks of US Airways, Inc.

Debt Consolidation Information: The amount you save on loan consolidation may vary by loan. Since a home equity line may have a longer term than some of the bills you may be consolidating, you may not realize a savings over the entire term of your new line. In addition, your line may require you to incur premiums for hazard and, if applicable, flood insurance which would affect your monthly payment reduction. Federally Guaranteed Student Loans should not be consolidated because you will lose important federal benefits.

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.

Lock Feature: The minimum lock term is 12 months and the minimum lock amount is $1,000. Lock amounts cannot exceed the current outstanding principal revolving balance, including any pending advances not yet posted to your account. Fixed lock rates are based upon the rate and term for a comparable Chase home equity loan. Locks are available only during the Draw Period and must mature prior to the HELOC maturity date.

Tax Deductibility: JPMorgan Chase does not offer tax advice. Consult your tax advisor regarding the deductibility of interest.