I agree with #4 - Chance is just that, the random occurrences that surround us. Chance is the product of entropy, the natural tendency of the universe to move toward disorder. It's random, and it's a major player in everyone's life. How you handle the various things that chance throws at you is, of course, a matter of choice. Also, you can sometimes nudge the odds of a chance occurrence; for instance, if you never buy a lottery ticket, then it is not possible for you to win the lottery. If you buy a ticket, then there is a chance that you might.
Fate is externally controlled; it is the things that happen because some power or intelligence intended them to. Not everyone believes in fate, for a variety of reasons. Atheists generally don't believe in fate, because they don't believe in the existence of a high power to control it. Additionally, if your life is fated to be a certain way, then does that mean that you do not have free will?