Miano John Christopher

Item 5   Fees and Compensation

     JC Miano Investment Advisory Service specializes in a completely independent investment
supervisory service. This service is defined as a continuous, ongoing, daily monitoring of portfolios and is
referred to as "assets under management" or "advisory service".

    Advisory service is intended to provide an attractive investment return while meeting
individual/institutional investment objectives, income needs, risk levels, time horizon, liquidity needs and/or
other reasonable restrictions that are imposed.

     The Advisor acts as a "fiduciary" - that is, I keep your interests first, ahead of the interest of the firm.
One way of reflecting this is that the advisory fees are based on a percentage of the average month end
valuation (or quarterly valuation for custodians that issue statements only on a quarter-end basis) of an
individual's assets under management. It is designed so the better you do financially, the better the advisor
does.

    Advisory fee per year is:
                  $10.00 per thousand on first $400,000
                  $ 5.00 per thousand on next $9,600,000
                  $ 2.00 per thousand on balance of account

                   $ 2.00 per thousand on 100% Fixed Income Accounts

     Fees are non-negotiable except for the first year on assets over $1,000,000.
    Compensation is charged at the end of every three (3) month period, on a prorated basis after the
    service is provided. Fees are deducted from client's assets unless directed otherwise. There are no
    termination fees.

    Other fees that may occur are custodian fees, brokerage commissions, and service fees from
Exchange traded fund (ETF) or mutual funds, if held. These fees are not and will not form the basis in
whole or in part for my compensation. (Please also see Item #15 on Custodians)

      For your benefit, I take pride in remaining completely independent. Any issues or changes
(such as a client directing a purchase and retention of securities) that presents a potential
conflict of interest will be discussed and documented with all parties concerned.

Item 7      Types of Clients

           JC Miano Investment Advisory Service provides independent investment advise to
    individuals, trusts, estates, charitable organizations, corporations, pension and profit sharing
    plans.

        Generally tailored toward long-term investment planning for assets under management of a
   of a minimum of $100,000 or dollar fee for maintaining an account of $1,000. However minimums are
   waived in certain circumstances.