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This is a link to a third-party site as described in our Weblinking Practices. Note that the third party\'s privacy policy and security practices may differ from Chase\'s standards. Chase assumes no responsibility for nor does it control, endorse or guarantee any aspect of your use of the linked site.
The tool on this page is provided by a third-party site. Please note that the third party\'s privacy policy and security practices may differ from Chase\'s standards. Chase assumes no responsibility for nor does it control, endorse or guarantee any aspect of your use of this tool.
The Best Rate Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal) which as of 7/17/09, range from 4.74% APR (4.24% APR in CO, IL, IN, KY, MI, NY in the five boroughs of NYC, OH, TX, UT, WI and WV; and 4.49% APR in CT, GA, ID, MA, NV, NJ, NY outside of the five boroughs of NYC, OK, OR, PA, WA; and 4.99% APR in VA ) to 5.49% APR for line amounts of $100,000 to $250,000. Rates vary depending upon credit line amount and collateral location; please inquire about available rates in your area and about rates for line amounts less than $100,000. Advertised rates include a .25% rate discount for home equity lines secured by AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WV, or WI collateral. Rate discount requires a new or existing Chase personal checking account, is good only on new home equity lines, and 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. The product requires an origination fee of $399, which may be financed (for TX homestead properties, the origination fee may not be financed). The Best Rate Line of Credit may not be used to purchase the property being used as collateral, and is not available in AK or HI, or via the Internet in 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 $105-$3,825 ($750-$5,095 in NY), which may also be financed.
'; var locrate = 'All products are subject to credit and property approval. Rates, 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 Home Equity Line of Credit rate discount offer is available for new home equity lines secured by AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, or WV collateral. Advertised rates include a 0.25% rate discount which is available for customers who open a new, or have an existing, Chase personal checking account. An additional 0.25% rate discount is available for customers who open a new, or have an existing, Chase Premier Platinum Checking personal account.
'; //////////////// DISCLOSURE CONFIGURATION ///////////////////// var disclosurelink = 'Please read important Home Equity disclosures.'; var disclosurelink2 = 'Please read important disclosures.'; // DISCLOSURES default to hidden. Numerals are set in Article e.g. writeDisc("0-5-10-40"); // showweblinking set to false here. Set it to true on specific pages requiring the paragraph. var showbestrate = false; var showlocrate = false; var showweblinking_facl= false; var showweblinking = false; var fullDisc = ""; function writeDisc(pieces) { var discArray = new Array(); var piecesArray = new Array(); if (!(pieces == "all")) { piecesArray = pieces.split("-"); } discArray[0] = "Disclosure information
"; //General Disclosure (GD) discArray[1] = "All products are subject to credit and property approval. Rates, 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.
"; //Debt Consolidation (DC) discArray[2] = "Debt Consolidation Information: The amount you save on loan consolidation may vary by loan. Since a home equity loan or 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 loan or line. In addition, your loan or 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.
"; //Best Rate (BR) discArray[3] = "The Best Rate Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal) which as of 7/17/09, range from 4.74% APR (4.24% APR in CO, IL, IN, KY, MI, NY in the five boroughs of NYC, OH, TX, UT, WI and WV; and 4.49% APR in CT, GA, ID, MA, NV, NJ, NY outside of the five boroughs of NYC, OK, OR, PA, WA; and 4.99% APR in VA ) to 5.49% APR for line amounts of $100,000 to $250,000. Rates vary depending upon credit line amount and collateral location; please inquire about available rates in your area and about rates for line amounts less than $100,000. Advertised rates include a .25% rate discount for home equity lines secured by AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WV, or WI collateral. Rate discount requires a new or existing Chase personal checking account, is good only on new home equity lines, and 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. The product requires an origination fee of $399, which may be financed (for TX homestead properties, the origination fee may not be financed). The Best Rate Line of Credit may not be used to purchase the property being used as collateral, and is not available in AK or HI, or via the Internet in 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 $105-$3,825 ($750-$5,095 in NY), which may also be financed.
"; //No Closing Costs Line of Credit (NCC HELOC) discArray[4] = "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 7/17/09, range from 4.99% APR (4.49% APR in CO, IL, IN, KY, MI, OH, TX, UT, WV, and WI; 4.74% APR in CT, GA, ID, MA, NJ, NV, OK, OR, PA and WA; and 5.24% APR in FL, MD, and VA) to 5.99% APR for line amounts of $100,000 to $250,000. Rates vary depending upon credit line amount and collateral location; please inquire about available rates in your area and about rates for line amounts less than $100,000. Advertised rates include a .25% rate discount for home equity lines secured by AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WV, or WI collateral. Rate discount requires a new or existing Chase personal checking account, is good only on new home equity lines, and 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. 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 or HI, or via the Internet in 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 $105-$3,825 ($750-$5,095 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 discArray[5] = "Lock Feature: Minimum lock amount is $1,000. 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.
"; //Equiline Visa discArray[6] = "Availability of Card Access: Chase EquilineSM Platinum Visa® card is not currently available in CT, NY, and for accounts secured with TX Homestead properties.
"; //Chase Payment Assurance discArray[7] = "IMPORTANT INFORMATION ABOUT CHASE PAYMENT ASSURANCE
We are pleased to offer you this product to help protect your loan or line of credit payment and credit history in difficult life situations. This protection is completely optional so the decision to buy it is totally up to you. Your decision whether to purchase Chase Payment Assurance will not affect your application for credit or the terms of any existing credit agreement you have with us. You may cancel this protection at anytime.
There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Chase Payment Assurance. You will receive additional information before you are required to pay for it. This information will include a disclosure statement and a copy of the contract containing the terms and conditions. You should carefully read the disclosure and the contract for a full explanation of the terms. You will receive the disclosure, which includes a summary of the protections available under Chase Payment Assurance, prior to your loan closing. You will receive the complete contract when you close your loan or line of credit.
"; //No Closing Costs Loan (NCC HELoan) discArray[8] = "The Chase No Closing Cost Loan has a maximum amount of $750,000, and may not be used to purchase the property being used as collateral.
"; //Automatic Loan Payment discArray[9] = "Automatic Loan Payment: Rate subject to increase if discount condition terminates.
"; //Tax Deductibility discArray[10] = "Tax Deductibility: JPMorgan Chase does not offer tax advice. Consult your tax advisor regarding the deductibility of interest.
"; //Texas Homestead Properties discArray[11] = "Credit Limit available up to 80% CLTV for lines secured by Texas Homestead properties.
"; //Link to Third Party -- not using Weblinking function in DCTM. discArray[12] = ""; //Does not render tax advice discArray[13] = "JPMorgan Chase Bank, N.A. does not render tax advice. Consult a tax advisor regarding deductibility of interest.
"; //401k loan rules and information discArray[14] = "Consult your plan administrator for applicable 401(k) loan rules and information.
"; //Interest Only lines discArray[15] = "Interest Only Line of Credit: Depending upon your credit profile, interest-only lines are available and provide for the payment of interest only during the draw period of your line, and payments of principal and interest during the repayment period. During the interest-only period principal is not reduced. At the end of this period, your monthly payment will increase, possibly substantially, even if the interest rate stays the same because you will be required to pay down the outstanding principal. Always consider paying more than the minimum payment to pay down the principal.
"; //Product Availability discArray[16] = "The product is only available when CHF Prime First Mortgage will be financing the purchase of the applicant\'s new principal residence.
"; //No Annual Fee discArray[17] = "Availability of No Annual Fee Waiver Offer: All lines 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 for all loan amounts. Other restrictions and limitations apply. The offer is available only on new home equity lines of credit, is not transferable, and is available only to homeowners who are 18 years of age or older.
"; //USA Disclosure discArray[18] = "This site is directed at, and made available to, persons in the United States only. All mortgage loans offered through JPMorgan Chase Bank, N.A. or Chase Bank USA, N.A. depending on product type and property location (Chase). All loans subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Chase only originates mortgage loans within the United States of America and services loans in the United States and the US Virgin Islands. Loans are subserviced by Chase Home Finance LLC.
"; //Tools & Calcs discArray[19] = "Tools and calculators are provided as a courtesy by Chase to help you estimate your financial needs. The results yielded by these tools and calculators, however, are merely estimates and they do not guarantee available credit amounts, potential savings, tax benefits or the like. Chase makes no warranty regarding the tools or calculators, nor regarding the results they produce. Should you have any questions about your specific financial situation, Chase strongly recommends that you consult with your own financial advisor.
"; //APR's discArray[20] = "APRs are listed for illustrated purposes only. Actual APRs on Chase Home Equity Loans and Home Equity Lines of Credit will vary based on creditworthiness, property type, loan-to-value ratio, and other factors.
"; //Draw Period discArray[21] = "Note that certain minimum draw requirements may apply to your home equity line of credit. You should consult your home equity line of credit documents for more information regarding these requirements.
"; //Introductory Rate discArray[22] = "Introductory rate offer available to new Chase home equity customers.
"; //iTunes is a registered Trademark discArray[23] = "iTunes® is a registered trademark of Apple Computer, Inc., which is not associated with this promotion.
"; //Payment example discArray[24] = "Payment example - $323 per month is based on an interest only payment at 7.74% APR.
"; //Airline Reward Miles - All discArray[25] = "Airline reward miles are subject to the terms and conditions of each participating airline\'s frequent flyer program, as applicable.
"; //Airline Reward Miles/Logos - American discArray[26] = "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/aa. Rewards will not be granted on existing loans or lines of credit or on applications submitted before 09/01/2005.
Your Chase loan officer will request your AAdvantage® number prior to closing.
Please allow six to eight weeks for AAdvantage® miles to post to your account.
American Airlines reserves the right to change AAdvantage® program rules, regulations, travel awards and offers at any time without notice, including the right to change rules related to mileage credits and restricting travel awards or offers. American Airlines may make these changes even if use of accumulated mileage credits or awards is affected. American Airlines reserves the right to end the AAdvantage® program upon six months notice. AAdvantage® travel awards, mileage accrual and special offers are subject to government regulations. American Airlines is not responsible for products or services offered by other participating companies. For complete AAdvantage program details, visit www.aa.com/aadvantage. AmericanAirlines and AAdvantage are registered marks of American Airlines, Inc.
"; //Airline Reward Miles/Logos - US Airways discArray[27] = "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.
"; //Airline Reward Miles/Logos - Delta discArray[28] = "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.delta.chase.com. Rewards will not be granted on existing loans or lines of credit or on applications submitted before 11/01/2005.
Please allow six to eight weeks from loan funding for SkyMiles to post to your account.
All SkyMiles program rules and conditions apply. To review the current SkyMiles Membership Guide and Program Rules, please visit delta.com/skymiles. Delta, SkyMiles, and the Delta logo are registered service marks of Delta Corporation Identity, Inc. Delta is not responsible for goods and services offered by Chase.
"; //Airline Reward Miles/Logos - Continental discArray[29] = "OnePass miles are awarded only on funds drawn at closing for lines of credit. Please allow six to eight weeks for miles to be credited to your account.
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/onepass. Rewards will not be granted on existing loans or lines of credit or on applications submitted before 1/1/2006.
All OnePass program rules and conditions apply, including Continental\'s right to modify or terminate the OnePass program. To review the current OnePass membership rules, visit continental.com/onepass.
"; //Airline Reward Miles/Logos - Marriott discArray[30] = "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/marriottpoints. Rewards will not be granted on existing loans or lines of credit or on applications submitted before 06/03/08.
Marriott Rewards points accrued are in accordance with the terms and conditions of the Marriott Rewards Program. Refer to www.marriottrewards.com for all Program terms and conditions. Terms and conditions of this Program may be modified and services and benefits may be added or deleted at any time without notice to members.
Please allow six to eight weeks after your loan closing for points to be posted to your Marriott Rewards account. You must be a member of Marriott Rewards to take advantage of this offer. Employees of Marriott International, Inc. and The Ritz-Carlton® Hotel Company, LLC and their subsidiaries are ineligible to participate in the Marriott Rewards Program and are ineligible to earn points.
** Marriott Rewards points are awarded only on funds drawn at closing for lines of credit. Marriott Rewards points offered through this program are capped at 35,000 points.
Marriott Rewards® is a registered trademark of Marriott International, Inc.
"; //Airline Reward Miles/Logos - Priority Club discArray[31] = "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.priorityclub.chase.com. Rewards will not be granted on existing loans or lines of credit or on applications submitted before 11/01/2005.
Please allow six to eight weeks from loan funding for Priority Club® points to post to your account.
Priority Club® points are awarded only on funds drawn at closing for lines of credit.
"; //Airline Reward Miles/Logos - United discArray[32] = "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/moremiles. Rewards will not be granted on existing loans or lines of credit or on applications submitted before 11/01/2005.
Please allow six to eight weeks from loan funding for Mileage Plus miles to post to your account.
Borrower must be an active United Mileage Plus member and not in default on the Home Equity account to be eligible to earn miles. Borrower will earn one mile for every $1.00 of net purchases made with the United Mileage Plus Equiline card. The United Mileage Plus Card has an annual fee of $50.00. This fee is billed when the card is issued and annually thereafter, and is in addition to any annual fee specified in the Home Equity Line of Credit agreement.
Mileage Plus® Offer Terms and Conditions
The following terms and conditions govern the receipt of mileage credits (miles) in connection with a Mileage Plus member\'s opening of a Chase Home Equity Loan or Line.
These terms and conditions are in addition to, and supplement, the Mileage Plus Program Policies and Procedures that govern the participation of each Mileage Plus member in the United Mileage Plus program.
1. Eligibility for miles: To be eligible to earn miles, customer must be a member in good standing with Mileage Plus program and open a Chase Home Equity Loan or Line.
2. Mileage Plus membership: Eligibility for membership in the Mileage Plus program and the award and redemption of miles shall be subject to the terms and administration of the Mileage Plus program and your Mileage Plus Agreement with United. Chase\'s sole obligation concerning the award and redemption of miles shall be to request United to award miles for home equity loans or lines. Chase disclaims any liability or responsibility for United\'s failure to award or redeem miles. If customer\'s membership in the Mileage Plus program is terminated in accordance with the terms and conditions of that program, customer will no longer be eligible for or receive any miles.
3. Modification: Revisions may be made to the terms and conditions associated with customer\'s participation in the Mileage Plus program, at any time with or without notice. Complete terms and conditions for redemption of mileage certificates that are awarded to customer in connection with his or her opening of a Chase Home Equity Loan or Line are included with the awards themselves. Customer is responsible for reading these terms and conditions before redeeming an award, and use of an award will be deemed to constitute acceptance of the associated terms and conditions.
Borrower must be an active United Mileage Plus member and not in default on the Home Equity account to be eligible to earn miles. Borrower will earn one mile for every $1.00 of net purchases made with the United Mileage Plus Equiline card. The United Mileage Plus Card has an annual fee of $50.00. This fee is billed when the card is issued and annually thereafter, and is in addition to any annual fee specified in the Home Equity Line of Credit agreement. Miles accrued and awards issued are subject to the rules of the Mileage Plus program. United, its subsidiaries, affiliates, and agents are not responsible for any financial products and services of other participating companies. Please allow 6 to 8 weeks after completed qualifying activity for bonus miles to be posted to your Mileage Plus account. Bonus miles and miles earned through non-flight activity do not count toward elite status. The bonus mile offer is subject to change without notice. Taxes and fees related to award travel are the responsibility of the passenger. United may change Mileage Plus program rules, regulations, travel awards, and special offers or terminate the Mileage Plus program at any time and without notice. Mileage Plus participation may not be permitted in some countries. United and Mileage Plus are registered trademarks.
"; //Miles Rewarded discArray[33] = "Miles are awarded only on funds drawn at closing for lines of credit.
"; //Lock Feature with Interest Only..formerlly 5a discArray[34] = "Interest-only Locks: Depending upon your credit profile, interest-only locks are available and must mature prior to the originally scheduled end of the Draw Period. During the interest-only lock period principal is not reduced. When the interest-only lock matures at the end of the lock term, you may re-lock the balance in another fixed-rate lock if your account is still in the Draw Period, or you may pay off the principal balance which has not been reduced, or you may choose for the principal lock balance to become part of your variable rate line balance. Always consider paying more than the minimum payment to pay down the principal and reduce higher payments at the end of the lock period.
"; //Interest Only loans..formerly 15a discArray[35] = "
Interest Only Loan: Interest only loans provide for the payment of interest only for a set period of time and payments of principal and interest thereafter for the remainder of the loan term. During the interest only period principal is not reduced. At the end of this period, your monthly payment will increase, possibly substantially, even if the interest rate stays the same because you will be required to pay down the outstanding principal. Always consider paying more than the minimum payment to pay down the principal.
"; //Lock Feature with I/O Pymt Example..formerly 5b discArray[36] = "For example on a $15,000 locked balance, your interest only payment would be $107.50 for a term of 5-years based on an APR of 8.60%.
"; //Loan Payment Example discArray[37] = "For example on a $100,000 loan with a term of 30-years your payment would be $706.21 based on an APR of 7.60%.
"; //Lowe's Offer BR Disclosure discArray[38] = "The Best Rate Line of Credit: We are extending you a firm offer of credit (as defined in the Fair Credit Reporting Act) for a home equity line of credit based on information in your credit report indicating that you meet specific qualification criteria for the offer. If you apply to us for credit and satisfy the other conditions described below and agree to our terms, we will make credit available to you. Interest charges on the line of credit we are offering will vary based on the Prime Rate (as published in The Wall Street Journal), and the APR will adjust whenever there is a change in the Prime Rate. The Prime Rate varies from time to time, typically, when there is a change in the Federal Funds Rate established by the Federal Reserve Board\'s Open Market Committee. The rates on our offered lines of credit are based on the Prime Rate, plus/minus a margin. The margin may be as much as 1.75%, or as low as -1.01% depending on your circumstances; see below for further explanation. Based on the 8.25% Prime Rate as of 12/15/06 the current rates applicable to the line of credit we are offering would be (depending on the margin), between 7.74% APR and 10.00% APR for line amounts of $50,000 up to $500,000 (in NY our best rate is 7.23% APR except for the five boroughs of NYC). In AZ, CA, CT, DE, GA, IL, KY, MA, MI, NJ, OH, OR, PA, RI, and WA our best rate is 7.24% APR 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, FL, and UT our best rate is 7.49% APR for line amounts of $100,000 or greater ($150,000 or greater in FL). The rate offers in AZ, CO, OH, and UT require a new or existing Chase deposit account, and are only valid for new Chase home equity customers. However those rates will change at any time the Prime Rate changes. In no event will the APR exceed 21%. Our offer requires an origination fee of $399 (except in TX, where the Origination Fee = 0.5% of the original credit limit or $399, whichever is less), which may be financed (on TX Homestead properties, financing of closing costs requires a minimum draw of $4,000). 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). Hazard insurance and, if applicable, flood insurance are required. 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 (ranging from $10-$1,170), which may also be financed. If you close your line of credit within 36 months of the date upon which it is opened, an early account closure fee will be assessed, equal to the lesser of 1% of the line amount, or $400 (except in FL, GA, KS, MD, NC, NY, TX Homestead, VA and Orleans Parish of LA). Borrower will be responsible for a $50 annual fee after the first year, except for TX Homestead properties. Lines are also available up to 100% combined-loan-to-value (CLTV), except for lines secured by TX Homestead properties.
Our offer is solely for a line of credit secured by an acceptable and marketable first or second lien mortgage or security interest on your owner occupied primary residence. The amount of the line and margin within the range stated above will depend on your creditworthiness, the property used as collateral, your annual income, your debt to income ratio, and the CLTV ratio of your collateral. You must be of legal contract age to accept our offer and the property must be located in the United States. Our offer is non-transferable and other borrowers will not be considered. Purchase money lines are excluded from our offer. Offer not available for properties in AK, HI, and SC.
"; //Lowe's Offer NCC Disclosure discArray[39] = "The No Closing Cost Line of Credit: We are extending you a firm offer of credit (as defined in the Fair Credit Reporting Act) for a home equity line of credit based on information in your credit report indicating that you meet specific qualification criteria for the offer. If you apply to us for credit and satisfy the other conditions described below and agree to our terms, we will make credit available to you. Interest charges on the line of credit we are offering will vary based on the Prime Rate (as published in The Wall Street Journal), and the APR will adjust whenever there is a change in the Prime Rate. The Prime Rate varies from time to time, typically, when there is a change in the Federal Funds Rate established by the Federal Reserve Board\'s Open Market Committee. The rates on our offered lines of credit are based on the Prime Rate, plus/minus a margin. The margin may be as much as 2.00%, or as low as -.76% depending on your circumstances; see below for further explanation. Based on the 8.25% Prime Rate as of 12/15/06 the current rates applicable to the line of credit we are offering would be (depending on the margin), between 7.99% APR and 10.25% APR for line amounts of $50,000 up to $500,000 (in NY our lowest rate is 7.74% APR except for the five boroughs of NYC). In AZ, CA, CT, DE, GA, IL, KY, MA, MI, NJ, OH, OR, PA, RI, and WA our lowest rate is 7.49% APR 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, FL, and UT our best rate is 7.74% APR for line amounts of $100,000 or greater ($150,000 or greater in FL). The rate offers in AZ, CO, OH, and UT require a new or existing Chase deposit account, and are only valid for new Chase home equity customers.
Rates will change at any time the Prime Rate changes. In no event will the APR exceed 21%. Our offer is for a line of $50,000 to $500,000, with a combined loan-to-value (CLTV) ratio of 80% or less. 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. Hazard insurance and, if applicable, flood insurance are required. 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, the lender pays your mortgage taxes for you, estimated to be $10-$5,000 ($75-$10,625 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. Borrower is responsible for a $50 annual fee after the first year, except for TX Homestead properties. Lines are also available up to 100% CLTV, except for lines secured by TX Homestead properties.
Our offer is solely for a line of credit secured by an acceptable and marketable first or second lien mortgage or security interest on your owner occupied primary residence. The amount of the line and margin within the range stated above will depend on your creditworthiness, the property used as collateral, your annual income, your debt to income ratio, and the CLTV ratio of your collateral. You must be of legal contract age to accept our offer and the property must be located in the United States. Our offer is non-transferable and other borrowers will not be considered. Purchase money lines are excluded from our offer. Offer not available for properties in AK, HI, and SC.
"; //Lowe's Required Disclosures discArray[40] = "Lowe\'s® is not affiliated with JP Morgan Chase & Co.
LOWE\'S® and GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC.
"; //Remodeling Study discArray[41] = "2004 Study by Remodeling Online: http://www.remodeling.hw.net/industry-news.asp?articleID=79166§ionID=173 
The No Closing Cost Line of Credit features variable rates which, as of 2/02/07 range from 7.99% to 10.00% APR for line amounts of $50,000 up to $500,000 (in NY our lowest rate is 7.74% APR except for the five boroughs of NYC). Please call about rates on lines below $50,000. In AZ, IL, MI, NJ, and OH our lowest rate is 7.49% APR for line amounts of $150,000 or greater ($100,000 or greater in OH). In CO, FL, and UT our best rate is 7.74% APR for line amounts of $100,000 or greater ($150,000 or greater in FL). Lifetime APR will not exceed 21%. All stated rates require an 80% or less combined-loan-to-value (CLTV) ratio. 1.00% will be added to rate for rental properties. Lines are also available up to 100% CLTV except in Texas. The No Closing Cost Line of Credit may not be used to purchase the property being used as collateral. 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. 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 for TX Homestead). In FL, NY, and Orleans Parish of LA, Chase pays your mortgage taxes , estimated to be $10-$5,000 ($75-$10,625 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.
"; //The Best Rate Line of Credit (spring sale 2007) discArray[43] = "The Best Rate Line of Credit features variable rates which, as of 2/23/07 range from 7.74% to 9.75% APR for line amounts of $50,000 up to $500,000 (in NY our best rate is 7.23% APR). Please call about rates on lines below $50,000. In AZ, CT, IL, MI, NJ, and OH, our best rate is 7.24% APR for line amounts of $150,000 or greater ($100,000 or greater in OH). In CO, FL, and UT our best rate is 7.49% APR for line amounts of $100,000 or greater ($150,000 or greater in FL). The rate offers in AZ, CO, OH, and UT require a new or existing Chase deposit account, and are only valid for new Chase home equity customers.
Lifetime APR will not exceed 21%. All stated rates require an 80% or less combined-loan-to-value (CLTV) ratio. 1.00% will be added to rate for rental properties. Lines are also available up to 100% CLTV, except in Texas. 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. 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, NY, TX Homestead, VA and Orleans Parish of LA). The following estimated charges are required to open the line: Title Insurance (depends on line characteristics), ranging from $40-$4,459, and, in FL, the Orleans Parish of LA, MD, NY, OK, and VA only, City/County/State Tax/Stamps - $10-$5,000 ($75-$10,625 in NY). If your credit line is equal to or less than $500,000, you will pay an Origination Fee of $399 (except in Texas, where the Origination Fee = 0.5% of the original credit limit or $399, whichever is less), which may be financed (on Texas homestead properties, financing of closing costs requires a minimum credit draw of $4,000).
No Annual fee for Life offer requires a new or existing Chase checking or savings account, and is good only on new home equity lines applied for between 3/1/07 and 5/31/07. A Borrower who does not qualify for this offer is responsible for a $50 annual fee after the first year.
"; //$250 Lowe's Gift Card discArray[45] = "$250 Lowe\'s® Gift Card: The Gift Card will be issued at closing mailed within three weeks after booking. The borrower is responsible for all other closing costs. This offer may not be combined with any other promotional offer or rebate and is not transferable. This offer is valid for applications received by Chase by May 10, 2007.
"; //Combined Mortgage and HE Debt Consolidation discArray[46] = "Debt Consolidation Information: The amount you save on loan consolidation may vary by loan. Since a home equity product or mortgage may have a longer term than some of the bills you may be consolidating, you may not realize savings over the entire term of your new loan or line. In addition, your loan, line or mortgage may require you to incur premiums for hazard and, if applicable, flood insurance which would affect your monthly payment reduction.
"; //Combined Mortgage and HE Debt Consolidation2 discArray[47] = "$250 Lowe\'s® Gift Card: Offer valid only on closed new home equity lines of credit, home equity loans, mortgage or refinance loans applied for by calling phone number provided in this ad or online via website address displayed between April 9, 2007 and May 10, 2007. This offer does not apply to a refinance of an existing Chase home equity line of credit or home equity loan. Mortgage and refinance loans must be closed by July 31, 2007. The Gift Card will be mailed within three weeks after booking. The borrower is responsible for all other closing costs. This offer can not be combined with any other promotional offers or rebates. Limit one Lowe\'s Gift Card per customer.
"; //Midwest Airlines Disclosure discArray[48] = "Midwest Airlines Disclosure: Advertised rewards are 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/midwestairlines. Rewards will not be granted on existing loans or lines of credit or on applications submitted before 06/01/2007.
Please allow six to eight weeks from funding for Midwest Miles to post to your account.
Midwest Miles are awarded only on funds drawn at closing for lines of credit.
Midwest Miles Offer Terms and Conditions: The following terms and conditions govern the receipt of mileage credits (\"miles\") in connection with a Midwest Miles member\'s opening a Chase Home Equity product.
These terms and conditions are in addition to, and supplement, the Midwest Miles Program Policies and Procedures that govern the participation of each Midwest Miles member in the Midwest Miles program.
1. Eligibility for miles: To be eligible to earn miles, customer must be a member in good standing with the Midwest Miles program and open a Chase Home Equity product.
2. Midwest Miles membership: Eligibility for membership in the Midwest Miles program and the award and redemption of miles shall be subject to the terms and administration of the Midwest Miles program and your Midwest Miles Agreement with Midwest Airlines. Chase\'s sole obligation concerning the award and redemption of the miles shall be to request Midwest Airlines to award miles for Home Equity products. Chase disclaims any liability or responsibility for Midwest Airlines\'s failure to award or redeem miles. If customer\'s membership in the Midwest Miles program is terminated in accordance with the terms and conditions of that program, customer will no longer be eligible for or receive any miles.
3. Modification: Revisions may be made to the terms and conditions associated with customer\'s participation in the Midwest Miles program, at any time with or without notice. Complete terms and conditions for redemption of mileage certificates that are awarded to customer in connection with his or her opening of a Chase Home Equity product are included with the awards themselves. Customer is responsible for reading these terms and conditions before redeeming an award, and use of an award will be deemed to constitute acceptance of the associated terms and conditions.
Miles accrued and awards issued are subject to the rules of the Midwest Miles program. Midwest Airlines, its subsidiaries, affiliates, and agents are not responsible for any financial products and services of other participating companies. Please allow 6 to 8 weeks after completed qualifying activity for bonus miles to be posted to your Midwest Miles account. Bonus miles and miles earned through non-flight activity do not count toward elite status. The bonus mile offer is subject to change without notice. Taxes and fees related to award travel are responsibility of passenger. Midwest Airlines may change Midwest Miles program rules, regulations, travel awards, and special offers or terminate the Midwest Miles program at any time and without notice. Midwest Miles participation may not be permitted in some countries.
"; //BP Solar Disclosure discArray[49] = "Financing made available for any part of a Solar System is provided by JPMorgan Chase Bank, N.A. (Chase). Terms and conditions of any such financing are solely between the customer and Chase. BP Solar receives no remuneration or customer-specific information about any such financing and makes no representations and warranties about Chase or its financial products.
"; //Expedited Closing Disclosure discArray[50] = "Expedited closing is subject to conditions and is not available in all states.
"; //Foreign Transactions Disclosure discArray[51] = "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.
"; //Direct Offers Jeff and Anna Images Disclosure discArray[52] = "Payment Example: The $229 interest-only monthly payment example is based on a variable APR of 5.50% effective 10/20/08 and assumes a maximum combined-loan-to-value (CLTV) ratio of 50% or less secured by an owner-occupied residence for well-qualified borrowers. Your maximum CLTV may be greater than 50%, depending upon the location of the collateral, your credit history, income, debts, and other factors. Your actual APR and payment amount may differ from the example.
"; //Direct Offer 5.49apr (Jeff & Anna Image) HOME PAGE ONLY discArray[53] = "The Best Rate Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal) which, as of 1/31/08, range from 5.49% APR (5.54% APR in NV and 5.23% APR in FL and MD) to 7.80% APR for line amounts of $50,000 up to $500,000 (in NY our best rate is 4.98% APR). In AZ, CA, CT, DE, FL, GA, IL, MA, MI, NJ, OH, OR, PA, RI, and WA our best rate is 4.99% APR (4.98% 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 5.24% APR for line amounts of $100,000 or greater. 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%. 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, 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.
"; //IMPORTANT INFORMATION REGARDING CHASE'S HOME EQUITY LOAN AND LINE OF CREDIT PRODUCTS discArray[54] = "Available Financial Solutions
THE FOLLOWING DISCLOSURES RELATE TO OUR HOME EQUITY PRODUCTS. DIFFERENT DISCLOSURES WILL APPLY TO OTHER PRODUCTS.
PLEASE ASK FOR THEM IF YOU CONSIDER THESE OTHER PRODUCTS.
Thank you for choosing JPMorgan Chase Bank, N.A. for your home finance needs. One of the many benefits of banking with one of the nation\'s leading financial institutions is having access to a wide array of home secured financial products. Although you have requested a home equity product, you may also qualify for other home secured financing. For example, if you requested a home equity loan that is in first lien position, you might also qualify for a conventional mortgage which may have different features and pricing. Chase has the right financial tools for you. If you have questions, please call (800) 530-8260.
SUPPLEMENTAL AND STATE SPECIFIC DISCLOSURES
Please refer to your specific state for additional state required disclosures
IMPORTANT INFORMATION REGARDING CHASE\'S HOME EQUITY LOAN AND LINE OF CREDIT PRODUCTS
This document states some basic terms of the home equity loan and line of credit products available from Chase, as well as describes some of the documents you'll be asked to sign at closing. Please read all documents provided to you; a number of important terms won't be contained here. Be sure to understand all terms of your loan, including any fees or charges that apply. Seek any professional help you need to fully understand your loan terms, such as a lawyer, accountant, tax advisor or translator, if English is not your primary language. If you have any questions about the terms of any loan, please contact your loan officer. Shortly after your loan application is submitted, we will send you additional detailed disclosures which will more specifically spell out key terms, costs and other important information about the specific loan you have chosen.
THIS DOCUMENT IS A SUMMARY ONLY, AND DOES NOT CONSTITUTE A COMMITMENT TO MAKE A LOAN.
*Chase may offer a lower interest rate and lower initial payment for a limited period, either as an optional loan feature or a promotional benefit. Upon expiration of the lower rate, the payment and/or interest rate may increase. This chart assumes that the borrower does not elect the optional feature and that no promotional benefit was available.
** If you select the interest only payment option, your minimum payment will cover interest only during the draw period. You may also select a principal and interest payment option.
*** But see the \"Early Account Closure Fee and Mortgage Tax Recapture Information\" below.
Adjustable Rate Information: Interest rates on Home Equity Lines of Credit (HELOCs) may adjust at any time during the entire term of the Line. Your HELOC rate is determined by adding a \'Margin\'’ to an \'Index\'. The Index is usually an interest rate that can be found in major newspapers or on the Internet. Changes to the Index are outside the Lender's control. One example of an Index that may be used is the Prime Rate as published by The Wall Street Journal. The Margin is the amount added to the Index to determine the rate that applies to your HELOC. The Margin usually stays the same for the life of the HELOC. While the Index may change over time, your rate will never adjust below the amount of the Margin. As your rate changes along with the Index, your payment may go up or down. Because your rate and payment could go up, HELOCs may cost more over time than fixed rate mortgages. The HELOC's beginning rate, the Index, the Margin and any limits on changes to your rate will be stated in your loan documents.
Interest Only Mortgages (IOs): Interest Only Mortgages provide for \"interest only\" payments during a portion of the term of the loan, which cover only the interest accrued on the loan during the month. Interest only payments do not reduce the principal balance, and as a result, are lower than payments that include principal. Interest only payments only last for a certain period of time. After that, your monthly payment will increase to begin paying down the loan principal.
Negative Amortization (Neg-Am): Negative Amortization Mortgages permit payments that do not cover the accrued interest on the loan. \"Negative amortization\" occurs when the loan balance increases, even though you make the minimum payments due. This happens because the unpaid interest is added to the principal balance of the loan. Negative amortization can prevent you from building equity in your property, even if the minimum payment is made in full and on time.
Prepayment Charges: A \"prepayment charge\" is a charge for paying off your loan ahead of schedule. Some prepayment charges apply only if you pay off the full outstanding balance. Others apply any time you make a payment that exceeds your scheduled payment. Any prepayment charge will be stated in your loan documents.
Early Account Closure Fees and Mortgage Tax Recapture: Even if you aren\'t required to pay a prepayment charge, early payoff or closure of your account may trigger other costs. For example, on a home equity line of credit, you can pay off your balance at any time, and as long as you keep the line open for possible future use, not incur any type of prepayment charge for doing so. However, if you attempt to close your line altogether during the first few years after you open it, you may be required to pay an \"Early Account Closure Fee\". Additionally, several states require payment of a Mortgage Tax when a mortgage is recorded. The tax is typically payable by the borrower. For loans that offer No Closing Costs, the lender usually pays the tax on behalf of the borrower but, if the loan is paid off quickly (or your line of credit is closed quickly) (usually within 3 years of origination), the lender will require the borrower to reimburse it for these taxes. Any requirement for a prepayment charge, early account closure fee or mortgage tax recapture will be stated in your loan documents.
Balloon Payments: A \"balloon payment\" is a payment that exceeds the normal monthly payment. For example, if the normal payment is $1,000, but in 15 years, a final payment of $5,000 is due, that final payment would be referred to as a balloon payment. Balloon payments will be stated in your loan documents.
Reduced Documentation Information: \"Reduced documentation\" loans limit the amount of documentation you supply to the lender in order for the loan to be approved (such as pay-stubs, tax returns, or bank statements). The lender relies on your statements about your income and/or assets, and doesn't require documentation. Instead, you certify that the statements made are true. Because the lender is not verifying this information, it is taking additional risk, and as a result, may charge a higher rate or extra fees.
IMPORTANT \- PLEASE READ CAREFULLY
All of the loan features described above may result in increases in your payment. If you cannot make the monthly payments or a balloon payment when due you will be in default under your loan. If you are eligible to refinance at that time, you will have to pay any expenses associated with the refinance, your payments and interest rate may increase, and the number of payments you have remaining may also increase. If your property has gone down in value or if you don’t have enough equity in your property, you may find it more difficult or expensive to refi-nance, or to obtain cash back at the sale of your property.
• MORTGAGE or DEED OF TRUST: Provides Chase with collateral for your loan. If you default on your loan (by failing to make your payments or failing to meet any other obligations under the Note, Credit Line Agreement or Mortgage/Deed of Trust), the Mortgage or Deed of Trust gives Chase the right to foreclose on your property, have it sold, and apply the proceeds to the loan balance. In addition to making your payments you must maintain your property insurance, pay your property taxes, and seek our consent before selling the property. Your loan terms may include an escrow account into which a portion of your monthly payments will be deposited for payment of the taxes and insurance on your property. If you do not maintain an escrow account, you must pay taxes and insurance directly to the applicable government authority and to the insurance company.
• NOTE or CREDIT LINE AGREEMENT: Your promise to repay the loan. If you fail to make your payments when due, Chase may demand all remain-ing principal will become immediately due and payable.
• SETTLEMENT STATEMENT: Shows the payment of all funds related to the closing (for example, sale proceeds paid to the seller of the property, fees paid to mortgage brokers, property tax payments and more).
• FEDERAL TRUTH IN LENDING STATEMENT: A disclosure required under Federal law to help you understand the costs of borrowing money. Important sections are the FINANCE CHARGE (the total dollar amount of all interest and most other fees you will pay over the life of the loan) and the ANNUAL PERCENTAGE RATE (which shows the FINANCE CHARGE as an annual rate of charge.) For your convenience, we also provide a sepa-rate document which answers the most frequently asked questions about the truth-in-lending statement.
• NOTICE OF RIGHT TO CANCEL: Applies only to certain types of loans (mostly owner occupied refinance transactions and home equity loans and lines of credit), and therefore, may not be included in your loan package. If included, as explained in the document, you have the right to cancel the loan anytime before midnight of the third (3rd) business day following your closing by following the instructions in the notice.
• MORTGAGOR/SELLER CERTIFICATIONS: By signing this document, you make certain statements to Chase (for example, that there has been no change in your income, and if applicable, that the property will be owner-occupied). Chase relies on these statements when making your loan. If they are later found to be untrue you may be in default under your loan and Chase may demand payment of the full outstanding balance under the Note, and exercise its rights under the Mortgage/Deed of Trust.
• DOCUMENT CORRECTION AGREEMENT: Requires you to re-sign any documents that need to be corrected or completed. If you fail to do so, you can be held liable for any losses Chase suffers as a result.
Additional Important Information For All States:
ANTI-COERCION AND FREE CHOICE OF AGENT OR INSURER NOTICE
While JPMorgan Chase Bank, N.A. (\"Lender\") does require hazard insurance (and flood insurance if it is determined that the property is located in a special flood hazard area), borrower(s) may provide such insurance through an existing policy or policies or place such insurance with an insurance agent or company of his/her/their choice provided such company or agency meets the requirements of Lender. The borrower(s) choice of insurance agent or company will not affect the credit decision or credit terms in any way. Lender has the right, subject to applicable state laws and rules, to require certain licensure minimums, to designate reasonable financial requirements as to the company and to determine the adequacy of the coverage. Lender may not unreasonably withhold its approval of the selected agency or company. Lender shall not require that the policy be in excess of the replacement cost.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth (for individuals), and other information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents.
NON-IMPOUND NOTICE
JPMorgan Chase Bank, N.A. (\"Lender\") does not require that you pay additional money with your regularly scheduled payment to create a fund that the Lender would use to pay real estate taxes and homeowner\'s and flood (if required) insurance on the property that secures your loan.
Your regular monthly payment will cover only principal and interest on your loan.
You are fully responsible to pay for real estate taxes and homeowner\'s and flood (if required) insurance policy premiums when they become due and payable.
FCRA/REGULATION B
Under JPMorgan Chase Bank, N.A. credit policy, co-signers on home equity loans are not permitted. By submitting your application: 1) you certify that all of the information you provide is complete and accurate; 2) you certify that you are duly authorized to submit this application on behalf of the co-applicant (if any); and 3) you authorize the Bank to obtain any required credit reports and to make any additional inquiries it deems necessary to evaluate your application, to confirm your identity and to take all other reasonable actions permitted by law in connection with any credit extended in reliance on your application.
PRIVACY
You will be receiving a copy of the Bank's Privacy Policy on how we share information. Please take some time to review it.
Debt Consolidation Information: The amount you save on loan consolidation may vary by loan. Since a home equity loan or 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 loan or line. In addition, your loan or 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.
"; //Home Value Estimator disclosure discArray[56] = "Chase doesn't offer home equity loans or lines for second homes, investment or rental properties and doesn't provide loans or lines of credit on condominiums in Florida. Chase Home Equity doesn't lend in Alaska, Hawaii, or via the Internet in South Carolina.
"; //Total Monthly Payment Breakdown disclosure discArray[57] = "Total Monthly Payment Breakdown: $224.93 payment is based on a 20 year principal and interest payment at 9.00% APR. $201.04 payment is based on a 7 year interest only lock at 9.65%APR. $373.43 payment is based on an 8 year principal and interest payment at 9.55% APR. Payments shown are for illustrative purposes only.
"; //Lock demo disclosure discArray[58] = "The Best Rate Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal) which, as of 10/10/08, range from 4.74% APR to 5.84% APR for line amounts of $150,000 to $500,000. Rates vary depending upon credit line amount and collateral location; please inquire about available rates in your area and about rates for line amounts outside of the dollar range listed above. 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, is good only on new home equity lines, and cannot be combined with any other offer. Rate discount does not apply to fixed-rate locks. 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. The product requires an origination fee of $399, which may be financed (for TX homestead properties, the origination fee may not be financed). The Best Rate Line of Credit may not be used to purchase the property being used as collateral, and is not available in AK or HI, or via the Internet in 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.
"; //Lock demo rate discount discArray[59] = "Rate Discount: Rate discount does not apply to fixed-rate locks.
"; //.50 off a Home Equity LOC discArray[60] = "The Home Equity Line of Credit rate discount offer is available for new home equity lines secured by AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, or WV collateral. Advertised rates include a 0.25% rate discount which is available for customers who open a new, or have an existing, Chase personal checking account. An additional 0.25% rate discount is available for customers who open a new, or have an existing, Chase Premier Platinum Checking personal account.
"; ////Chase Payment Assurance discArray[61] = "IMPORTANT INFORMATION ABOUT CHASE PAYMENT ASSURANCE\:
Your purchase of Chase Payment Assurance is optional. Your decision whether to purchase it will not affect your application for credit or the terms of any existing credit agreement you have with the bank. You may cancel this protection at any time. If you decide to purchase the product, we will give you additional information before you are required to pay for it. This information will include a copy of the Chase Payment Assurance contract. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Chase Payment Assurance. These are fully explained in the Chase Payment Assurance contract. You should carefully read the contract for a full explanation of the terms.
DISABILITY:
The Disability protection cancels some or all of your monthly payment in the event the Protected Borrower becomes and remains disabled.
Disability means that all of the following apply\:
As a result of an injury or sickness, a Protected Borrower is unable to perform the material and substantial duties of the his or her occupation for at least 30 consecutive days;
Such Disability begins after the Plan Effective Date; The Protected Borrower is not (as a result of the Disability ) working for wages or profit in the occupation held at the time the Disability first occurred; and The Protected Borrower is under the continuous care of a licensed physician (other than him or herself or a family member) practicing within his or her profession.
Disability ends when the Protected Borrower no longer meets all four of the above conditions. Other limitations and exclusions apply.
Eligibility Requirements\:
The Protected Borrower must have worked at least 30 hours per week for wages or profit, at the same occupation during the 3 month period immediately preceding the date of Disability; and Disability must continue for at least 30 consecutive days.
Exclusions from Eligibility. The Protected Borrower is not eligible for protection if\: The Protected Borrower\'s condition is due to normal pregnancy or childbirth, an intentionally self-inflicted injury, or an injury from participation in a riot or commission of an assault or felony, or elective surgery that is not medically necessary according to your physician, or The Protected Borrower\'s inability to work is due to a medical condition for which the Protected Borrower has been treated by, or consulted with, a physician in the 6 months before the Plan Effective Date, and that condition becomes the cause of the Protected Borrower's inability to work within 6 months after the Plan Effective Date.
Restrictions may apply to recent Line of Credit advances.
What is covered? Two separate occurrences of Disability while the Plan is in effect.
Each occurrence is limited to a maximum of 12 Payment Periods. Plan benefits will be retroactive to first day of the Disability.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
INVOLUNTARY UNEMPLOYMENT\:
The Involuntary Unemployment protection cancels some or all of your monthly payment in the event the Protected Borrower becomes and remains involuntarily unemployed.
Definition\:
Involuntary Unemployment means that the Protected Borrower becomes and remains involuntarily unemployed and stops receiving all wages, salary and severance due to:
Layoff, Termination of employment without cause, Strike, or Lockout \- employer\'s discharge of employees or temporary closing of a place of employment, in response to organized employee activity.
Eligibility Requirements\: The Protected Borrower must have worked at least 30 hours per week for wages or profit, at the same occupation, during the 3 month period immediately preceding the Involuntary Unemployment; The Involuntary Unemployment must begin more than 90 days after the Plan Effective Date; The Protected Borrower must be Involuntarily Unemployed for a period of at least 30 consecutive days; and The Protected Borrower must have registered with his/her state unemployment office or a recognized employment agency within 30 days after the last day of employment.
Exclusions from Eligibility. The Protected Borrower is not eligible for protection if: He or she is an independent contractors, self-employed persons or a Temporary or Seasonal Worker. The unemployment is due to (a) voluntary forfeiture of salary, wages, or employment income, (b) resignation, (c) retirement, (d) scheduled termination of your employment contract, (e) termination of employment for cause, or (f) illness, disease, accident, injury, pregnancy or childbirth (although some of these occurrences may qualify for Disability protection if Disability is part of your Plan Benefits package).
What is covered? Two separate occurrences of Involuntary Unemployment protection while the Plan is in effect.
Each protection occurrence is limited to a maximum of 12 Payment Periods. Plan benefits will be retroactive to first day of the Involuntary Unemployment.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
LEAVE of ABSENCE\:
The Leave of Absence protection cancels some or all of your monthly payment in the event the Protected Borrower begins a Leave of Absence.
Definition\:
Leave of Absence means a Protected Borrower's employer-approved unpaid and temporary Leave of Absence from his/her job that begins after the Plan Effective Date for one of the following reasons\: to care for a Family Member who needs the Protected Borrower to attend to their needs as a result of that Family Member\'s injury or illness, To remain home following the recent birth or adoption of a child, The Protected Borrower resides in an area that has been declared a Federally Declared Disaster Area by the President of the United States, or The Protected Borrower is called from reserve status to active military duty.
Eligibility Requirements\: The unpaid Leave of Absence must begin more than 90 days after the Plan Effective Date; The Protected Borrower must have worked at least 30 hours per week for the same employer, for wages or profit, during the 3 month period immediately preceding the Leave of Absence; and The Leave of Absence must be for a period of at least 30 consecutive days.
Exclusions from Eligibility. The Protected Borrower is not eligible for protection if\: He or she is an independent contractor, self-employed persons or a Temporary or Seasonal Worker The Protected Borrow is receiving compensation for any work.
What is covered? Two separate occurrences of Leave of Absence while the Plan is in effect. Each occurrence is limited to a maximum number of 3 Payment Periods. Plan benefits will be retroactive to first day of the Leave of Absence.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
ACCIDENTAL DEATH\:
The Accidental Death protection cancels some or all of the account balance in the event Accidental Death occurs.
Definition\:
Accidental Death means a Protected Borrower\'s death that: Is directly due to an accidental injury involving violent, external, and visible means that occurs after the Plan Effective Date; Is independent of all other causes, except accidental injury; Is unintended, unexpected, and unforeseen; and Occurs within 90 days after the date of accidental injury.
Eligibility Requirements\:
Each Protected Borrower is eligible for protection in the event of Accidental Death, as defined in the Chase Payment Assurance Important Terms and Conditions.
Exclusions from Eligibility\:
Each Protected Borrower\'s death is not an Accidental Death, if it results in whole or in part from:
An intentionally self-inflicted injury; Disease or treatment of disease, or any medical treatment unless for the treatment of an accidental injury; Infection, unless the infection is a direct result of an accidental injury; Participation in a riot or commission of an assault or felony; Flight in an aircraft, unless as a fare-paying passenger or crew member on a regularly scheduled commercial airline; War or act of war, declared or not, or an act of terrorism; Use of alcohol or other intoxicants; or Use of drugs, sedatives or narcotics unless taken as prescribed by a licensed physician.
What is covered?
The Canceled Amount for Accidental Death will be the outstanding loan balance on the date of the accidental injury resulting in a Protected Borrower\'s death, and will be applied to the loan balance as of the Protected Borrower\'s date of death. If more than one Protected Borrower dies, only 1 Death Benefit Amount will be cancelled.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
"; ////Chase Payment Assurance with anchors discArray[62] = "IMPORTANT INFORMATION ABOUT CHASE PAYMENT ASSURANCE
Your purchase of Chase Payment Assurance is optional. Your decision whether to purchase it will not affect your application for credit or the terms of any existing credit agreement you have with the bank. You may cancel this protection at any time. If you decide to purchase the product, we will give you additional information before you are required to pay for it. This information will include a copy of the Chase Payment Assurance contract. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Chase Payment Assurance. These are fully explained in the Chase Payment Assurance contract. You should carefully read the contract for a full explanation of the terms.
Definition\:
Disability means that all of the following apply\: As a result of an injury or sickness, a Protected Borrower is unable to perform the material and substantial duties of his or her occupation for at least 30 consecutive days; Such Disability begins after the Plan Effective Date; The Protected Borrower is not (as a result of the Disability ) working for wages or profit in the occupation held at the time the Disability first occurred; and The Protected Borrower is under the continuous care of a licensed physician (other than him or herself or a family member) practicing within his or her profession.
Disability ends when the Protected Borrower no longer meets all four of the above conditions. Other limitations and exclusions apply.
Eligibility Requirements\: The Protected Borrower must have worked at least 30 hours per week for wages or profit, at the same occupation during the 3 month period immediately preceding the date of Disability; and Disability must continue for at least 30 consecutive days.
Exclusions from Eligibility. The Protected Borrower is not eligible for protection if\: The Protected Borrower\'s condition is due to normal pregnancy or childbirth, an intentionally self-inflicted injury, or an injury from participation in a riot or commission of an assault or felony, or elective surgery that is not medically necessary according to your physician or, The Protected Borrower\'s inability to work is due to a medical condition for which the Protected Borrower has been treated by, or consulted with, a physician in the 6 months before the Plan Effective Date, and that condition becomes the cause of the Protected Borrower\'s inability to work within 6 months after the Plan Effective Date. Restrictions may apply to recent Line of Credit advances.
What is covered? Two separate occurrences of Disability while the Plan is in effect. Each occurrence is limited to a maximum of 12 Payment Periods. Plan benefits will be retroactive to first day of the Disability.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
INVOLUNTARY UNEMPLOYMENT\:
The Involuntary Unemployment protection cancels some or all of your monthly payment in the event the Protected Borrower becomes and remains involuntarily unemployed.
Definition\:
Involuntary Unemployment means that the Protected Borrower becomes and remains involuntarily unemployed and stops receiving all wages, salary and severance due to\:
Layoff, Termination of employment without cause, Strike, or Lockout \- employer\'s discharge of employees or temporary closing of a place of employment, in response to organized employee activity.
Eligibility Requirements\: The Protected Borrower must have worked at least 30 hours per week for wages or profit, at the same occupation, during the 3 month period immediately preceding the Involuntary Unemployment; The Involuntary Unemployment must begin more than 90 days after the Plan Effective Date; The Protected Borrower must be Involuntarily Unemployed for a period of at least 30 consecutive days; and The Protected Borrower must have registered with his/her state unemployment office or a recognized employment agency within 30 days after the last day of employment.
Exclusions from Eligibility. The Protected Borrower is not eligible for protection if\: He or she is an independent contractors, self-employed or a Temporary or Seasonal Worker The unemployment is due to (a) voluntary forfeiture of salary, wages, or employment income, (b) resignation, (c) retirement, (d) scheduled termination of your employment contract, (e) termination of employment for cause, or (f) illness, disease, accident, injury, pregnancy or childbirth (although some of these occurrences may qualify for Disability protection if Disability is part of your Plan Benefits package).
What is covered? Two separate occurrences of Involuntary Unemployment while the Plan is in effect. Each occurrence is limited to a maximum of 12 Payment Periods. Plan benefits will be retroactive to first day of the Involuntary Unemployment.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
LEAVE of ABSENCE\:
The Leave of Absence protection cancels some or all of your monthly payment in the event the Protected Borrower begins a Leave of Absence.
Definition\:
Leave of Absence means a Protected Borrower's employer-approved unpaid and temporary Leave of Absence from his/her job that begins after the Plan Effective Date for one of the following reasons\: to care for a Family Member who needs the Protected Borrower to attend to their needs as a result of that Family Member\'s injury or illness,
To remain home following the recent birth or adoption of a child,
The Protected Borrower resides in an area that has been declared a Federally Declared Disaster Area by the President of the United States, or
The Protected Borrower is called from reserve status to active military duty.
Eligibility Requirements\: The unpaid Leave of Absence must begin more than 90 days after the Plan Effective Date; The Protected Borrower must have worked at least 30 hours per week for the same employer, for wages or profit, during the 3 month period immediately preceding the Leave of Absence; and The Leave of Absence must be for a period of at least 30 consecutive days.
Exclusions from Eligibility. The Protected Borrower is not eligible for protection if\: He or she is an independent contractor, self-employed persons or a Temporary or Seasonal Worker
The Protected Borrower is receiving compensation for any work.
What is covered? Two separate occurrences of Leave of Absence while the Plan is in effect. Each occurrence is limited to a maximum number of 3 Payment Periods. Plan benefits will be retroactive to first day of the Leave of Absence.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
ACCIDENTAL DEATH\:
The Accidental Death protection cancels some or all of the account balance in the event Accidental Death occurs.
Definition\:
Accidental Death means a Protected Borrower\'s death that Is directly due to an accidental injury involving violent, external, and visible means that occurs after the Plan Effective Date; Is independent of all other causes, except accidental injury; Is unintended, unexpected, and unforeseen; and Occurs within 90 days after the date of accidental injury.
Eligibility Requirements\:
Each Protected Borrower is eligible for protection in the event of Accidental Death, as defined in the Chase Payment Assurance Important Terms and Conditions.
Exclusions from Eligibility\:
Each Protected Borrower\'s death is not an Accidental Death, if it results in whole or in part from\:
An intentionally self-inflicted injury; Disease or treatment of disease, or any medical treatment unless for the treatment of an accidental injury; Infection, unless the infection is a direct result of an accidental injury; Participation in a riot or commission of an assault or felony; Flight in an aircraft, unless as a fare-paying passenger or crew member on a regularly scheduled commercial airline; War or act of war, declared or not, or an act of terrorism; Use of alcohol or other intoxicants; or Use of drugs, sedatives or narcotics unless taken as prescribed by a licensed physician.
What is covered?
The Canceled Amount for Accidental Death will be the outstanding loan balance on the date of the accidental injury resulting in a Protected Borrower\'s death, and will be applied to the loan balance as of the Protected Borrower\'s date of death. If more than one Protected Borrower dies, only 1 Death Benefit Amount will be cancelled.
The Chase Payment Assurance Important Terms and Conditions contains complete information on eligibility requirements, conditions and exclusions.
"; //tools and calculators disclosure discArray[63] = "Tools and calculators are provided as a courtesy to help you estimate your financial needs. The results yielded by these tools and calculators are merely estimates and they do not guarantee available credit amount, potential savings, tax benefits or the like. Chase makes no warranty regarding the tools or calculators, nor regarding the results they produce. Should you have any questions about your financial situation, Chase strongly recommends that you consult with your own financial advisor.
"; //EFS disclosure discArray[64] = "\*The home equity loan may not be used to purchase the property being used as collateral. The .50% loan rate discount reflects a .25% employee discount and an additional .25% employee rate discount for having six core product relationships with Chase. The employee rate discounts cannot be combined with any other rate discounts that may be available, including promotional rates. All applicable fees or charges are paid by employee.
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