I N T R O D U C I N G …

                              I N T R O D U C I N G                                                     C H A S E                           E X C L U S I V E S




                     SPECIAL BENEFITS FOR BEING A CHASE CHECKING CUSTOMER


              CHASE FREEDOM SM CREDIT CARD 1                                                                                      PRIVATE STUDENT LOANS 3
                      Earn triple points in your top five categories.                                                                                1% off origination fee
                                   15 categories in all!


                         CERTIFICATE OF DEPOSIT 2                                                                                           HOME MORTGAGE4
                                                  Better rates                                                                                             Up to .25% off


                                        INVESTMENTS *                                                                                      HOME EQUITY LINE 5
                                 Complimentary portfolio review                                                                                            Up to .50% off
                                    IRA annual fee waived


                                  CHASE DEBIT CARD                                                                                                 AUTO LOANS 6
                                      Free debit rewards program                                                                                           Up to .50% off
                                             Enroll at Chase.com/VisaExtras




                                    PERSONAL LOANS
                                                Up to .25% off


                                                                   TALK TO A BANKER TODAY
                                                        AND TAKE ADVANTAGE OF THESE EXCLUSIVE BENEFITS.

Restrictions and limitations apply. Rates, program terms and conditions subject to change daily without notice. All offers require a new or existing Chase personal checking account, and some offers require that the correct
corresponding checking account must be maintained at Chase in order to maintain the benefit or discount. Benefits or discounts will no longer apply if, at any time, the checking account is closed (except for mortgage, home
equity line, and student loan offers). Offers cannot be combined with any other promotional offer or program, are not transferable and are not available in all states.
1. The Chase Freedom credit card rewards 3% cash back or 3 points per $1 on the first $600 in purchases in the top 3 of 15 Everyday categories where you spend the most each month. Chase checking account customers
   will earn 3% cash back or 3 points per $1 on the first $600 in purchases in the top 5 of 15 Everyday categories. That's 2 additional Everyday categories. If you are an existing Chase Freedom credit cardmember and
   a Chase checking customer, your account will be upgraded to these new benefits; a confirmation letter will be mailed when this takes place in June, 2008. To apply for Chase Freedom with the exclusive benefits for
   Chase checking customers, or to learn more including pricing and reward program terms, see a Chase branch banker. Restrictions apply. Subject to credit approval. Chase credit cards are issued by Chase Bank USA,
   N.A. There are 15 Everyday categories consisting of grocery stores (that are not affiliated with or departments of superstores, warehouse clubs or discount stores), gas & convenience stores, quick service payment/fast
   food restaurants, telecommunications, cable/satellite TV/Internet Service Providers, video rentals, department stores, dry cleaners, drug stores, movie theatres, local and suburban commuter passenger transportation
   (including ferries, bridges, tolls, parking garages, taxis/limos), pet supply stores and veterinary services, utilities, beauty shops (salons and spas), or gym/recreation memberships.
2. Chase Exclusives CD offer not available on student checking accounts.
3. As students determine the best way to finance their education, they should consider the full range of student financial aid options available. Private loans can be used when federal loans, grants and other forms of financial
   aid are not sufficient to cover the full cost of education. Chase Private Student Loans are subject to credit approval, receipt of a completed and signed Application/Promissory Note, verification of application information
   and verification of student's enrollment at a participating school. Borrowers who qualify for a 0% origination fee are not eligible for the 1% reduction in the origination fee.
4. Offers are subject to credit and property approval by JPMorgan Chase Bank, N.A. A 0.125% rate discount is available on new first mortgage purchase and refinance transactions only and requires a new or existing Chase
    personal checking account. A 0.25% rate discount is available on new first mortgage purchase and refinance transactions only and requires a new or existing Chase Premier Platinum CheckingSM account. Verification of
    the active checking account required will occur prior to issuance of the discount. Mortgage loan amounts in excess of $2,000,000 are ineligible.
5. The Home Equity Line of Credit rate discount offer is available for new home equity lines applied for between 6/1/08 and 12/31/08 and secured by AZ, CO, CT, IL, IN, KY, LA, MI, NJ, NY, OH, OK, TX, UT, WV, or WI collateral.
   A 0.25% rate discount is available for customers who open a new, or have an existing, Chase personal checking account. A 0.50% rate discount is available for customers who open a new, or have an existing, Chase Premier
   Platinum CheckingSM personal account. Offers are subject to credit and property approval.
6. A 0.25% discount is available on new auto loans for customers who open a new, or have an existing, Chase personal checking account and maintain Automatic Payment from this checking account. A 0.50% discount is
    available on new auto loans for customers who open a new, or have an existing, Chase Premier CheckingSM or Chase Premier Platinum CheckingSM account and maintain Automatic Payment from this checking account.
    Subject to credit approval by JPMorgan Chase Bank, N.A., and certain other conditions. This offer cannot be combined with any other promotional offer or program, is not transferable and is not available in all states.
*Securities and investment advisory services are offered through Chase Investment Services Corp. (CISC). CISC, a member of FINRA and SIPC, is an affiliate of JPMorgan Chase Bank, N.A.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC                                                                                       INVESTMENT PRODUCTS:
© 2008 JPMorgan Chase & Co.
                                                                                                                                          NOT FDIC INSURED · NO BANK GUARANTEE · MAY LOSE VALUE