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At Chase, we're dedicated to helping you find the refinancing solution that is right for you. Offering competitive refinance rates and a broad range of loan types lets us help you refinance your home.

Get started now to receive a customized rate quote, or call us at 1-800-873-6577.

There are many reasons to refinance today with Chase!

• Competitive low rates will help lower your mortgage payment.
• Expanded lending options based on government programs may help with certain borrower situations, especially in areas where home values have declined.
• Exclusive opportunity from Chase — Get cash back on your mortgage, year after year with a new mortgage or refinance.

The patent pending 1% Mortgage Cash Back^SM program is available in AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, and WV. For certain geographic areas in FL, ID, IN, LA, and MI, eligible applications are those submitted on or after March 1, 2010.

Offer available on new Chase first mortgage purchase and refinance applications. 1% of one month's scheduled monthly principal and interest (P&I) payment of the new mortgage will be calculated and totaled over a 12 month period. The 1% calculation applies to scheduled principal and interest payments only, and does not apply to additional principal payments made by borrower, or to payments for escrowed items such as taxes and insurance. The first and last year's anniversary calculation will be based on the number of monthly payments in that year. All other subsequent annual awards will be calculated and totaled over the prior 12 month period. At discretion of borrower at enrollment, the sum will be awarded via direct deposit into a Chase checking account or applied to the outstanding principal balance on or about each anniversary date of the loan origination.

A new or existing Chase personal checking account is required along with enrollment in Chase's automatic mortgage payment service at the time of closing, where the mortgage payment will be automatically deducted from the Chase checking account. Verification of the active checking account will occur prior to issuance of the annual award. The offer may be nullified, and no payment will be made for the 12 month period involved and thereafter, upon any of the following: (a) cancellation of automatic mortgage payments or the Chase or checking account, whether by you or by Chase as described in your automatic mortgage payment or Chase checking account agreement, (b) any monthly payment not received within 45 days of the payment due date, or (c) any payoff of a mortgage included in the 1% Mortgage Cash Back^SM program other than a Chase to Chase refinance.

This offer may not be combined with any other offer or program, and is not transferable. The offer is limited to one per borrower. Bond loans and any other loans where servicing is not retained by Chase are excluded. There is a $500 calendar year cap on the principal reduction and cash back amount, including any anniversary award payouts and accrued rewards on a Chase to Chase refinance paid out in the same calendar year. The program may be discontinued at any time without notice. The 1% Mortgage Cash Back may result in taxable income to you, the borrower. We encourage you to consult with your personal tax advisor. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

Visit us at www.chase.com/MortgageCashBack

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