Fees

Insurance & Annuities:

Insurance and Annuities are both Insurance products. Every one of the 50 states has a State Insurance Commissioner that approves Insurance companies to provide products (conduct business) within their own State. Fees within Insurance contracts and Annuities are non-negotiable having been set by each State's Insurance Commissioner - discounting/rebating is illegal in all 50 States.

Buying directly from an Insurance company, online or from JCB Capital Performance - the cost & product is the same (set by each State's Insurance Commissioner - fixed). Discussions with YOU about the purchase of an Insurance or Annuity product are FREE - Contact Us.

Planning & Portfolios:

Our Financial Planning and Portfolio Mangement fees are completely & entirely transparent and tax-deductible. JCB Capital Performance believes that we provide more comprehensive advice, more choices and better results: 1) costing you less, your total return will be higher, and 2) our costs are IRS tax-deductible as an itemized Financial service expense to YOU.

We encourage you to open a low-cost Custodial account, where your assets will be held: Schwab, Fidelity Investments, Pershing, Etrade, TD Waterhouse/TD Ameritrade, (Citibank Smith Barney, Morgan Stanley Dean Witter, UBS Paine Webber, Merrill Lynch, Prudential, AG Edwards, Edward Jones & Amerprise ask for a low-cost self-directed account) Bank of America, Washington Mutual, Wells Fargo, Wachovia etc. we will work with YOU - advising you on low-cost / high-return choices, transparently - Contact Us.

Hidden Fees:

Most clients are unaware of the multiple layers of "HIDDEN FEES" that they currently pay to their financial custodians, financial firms and financial advisors. If your are working with the representative / salesperson (of a national/regional Brokerage, Bank or other Financial services company) ask about the 12b-1 and other HIDDEN FEES, Loads (A, B, & C shares), Surrender / Withdrawal charges & Penalties that you are paying (and have been paying your years) - by law brokerage fees can be as high as 8.5% (non-regulated Hedge funds as high as 20%).

These "HIDDEN FEES" cost you money and/or return on your assets every day - because you have been put into programs which charge these fees. Transparency is a new way of doing business. Wouldn't you prefer to know the truth of where your money is going every day? We will show you how to ELIMINATE or drastically REDUCE these "HIDDEN FEES" - using disclosed fee-based planning and low-cost / high-return choices.

Most Custodians allow you to opt out of their expensive in-house advice and we can help you take control and manage your portfolio - in YOUR name and SS # - Contact Us.

Financial Planning Consultation Fees:

Application Fee

Completed

Location	Client Fee	Travel	Paid in Full
Phone	$250		$250
SF Bay Area / meeting	$500		$500
Western States / meeting	$1000	$250	$750
U.S. non-Western States / meeting	$1,500	$350	$1,150
Outside U.S. / meeting	$2,000	$500	$1,400

Phone / Web Conference: $0 application fee + $250 minimum for Consultation (up to 2 hour consultation)
(see Free WebCam promotion)
S.F. Bay Area / meeting: $0 application fee + $500 minimum for Consultation (up to 4 hour consultation)
Western states / meeting (CA, NV, OR, WA, ID, UT, & AZ): $0 application fee + $1000 minimum for Consultation (up to 6 hour consultation) {$250 travel budget included}
U.S. (non-Western states) / meeting : $0 application fee + $1,500 minimum for Consultation (up to 6 hour consultation) {$350 travel budget included}
Outside the U.S / meeting. (English speaking only): $100 application fee + $1,900 minimum for Consultation (up to 6 hour consultation) {$500 travel budget included}

Consultations are priced based on a minimum fee and provide up to a designated amount of time for each Consultation.

An application fee may be charged to cover some of our processing fees. If you choose to request additional time, a fee based on an hourly rate may be charged.

Budgeted travel: For example we schedule an appointment in Hilton Head, NC - travel expenses are $525, $175 more than the $350 budgeted for U.S. travel. We ask you, the prospective Client, if you wish to pay $1675 ($1500 + $175).

We make every effort to accommodate your schedule, if because of our unavailability we cannot provide at least 3 reasonable dates for your appointment (within 45 days), all fees will be refunded A "reasonable date" is one beginning no earlier than 7am and ending no later than 7pm Mon-Sat in your locale.

Portfolio Management Consultation Fees:

Application Fee

Completed

Location	Client Fee		Paid in Full
Phone / meeting	$1,000		$1000

Portfolio recommendation: $0 application fee + $1000 consultation fee (up to 1 year of followup).
(see Free WebCam promotion)
Portfolio monitoring: $0 application fee + $1000 setup fee + balance of negotiated fee (ongoing service renewable each year).
Portfolio analysis fee: $25 application fee + balance of analysis fee.

Full Disclosure in your application characterizes our recommendations and our fees.

An application fee may be charged to cover some of our processing fees.
DO NOT include your SS # or any account Identification information (for your safety).

Particularly complex Portfolios and/or Analysis inquiries - follow our application process and add Special notes. Portfolios monitored and managed on an ongoing basis - follow our Portfolio recommendations setup process (inquire in Special notes on the Portfolio Management application).

Hourly Consultation Fees:

Application Fee

$25

Completed

Location	Client Fee		Paid in Full
Consultation @ $150-300	varies		varies

We bill out at $150 - 300 hour based on the complexity of the work - inquire in Special notes on the appropriate application.

FREE Web Cams:

2 hr FINANCIAL PLANNING Phone / Web Conference or a PORTFOLIO MANAGEMENT Phone / Web Conference and CHOOSE a FREE WebCam: Logitech QuickCam for Notebooks Pro WebCam Camera, or Logitech ClickSmart 510 WebCam USB Digital Camera.

We would like to encourage innovative, empowering technology.

Cancellation Policy:

Canceled

Completed

Financial Planning	Client Fee	10% Fee	50% Fee	Travel	Paid in Full
Phone	$250	$25	$125		$250
SF Bay Area	$500	$50	$250		$500
Western States	$1000	$100	$500	$250	$750
U.S. non-Western States	$1,500	$150	$750	$350	$1,150
Outside U.S.	$2,000	$200	$1000	$500	$1,400

Portfolio Management	Client Fee	25% Fee	50% Fee		Paid in Full
Phone	$1000	$250	$500		$1000

Hourly Consultation	Client Fee	10% Fee	50% Fee		Paid in Full
Consultation @ $150-300	varies	$25	varies		varies

Financial Planning Consultation:

$100 non-refundable PREPAY of $250 on WebCam Promotion - Client cancellation triggers refund of $150 of the $250 Prepay with acceptance of delivery of WebCam.
48 hrs - 10% non-refundable cancellation fee (cancellation by Phone and/or Email required).
Outside the S.F. Bay Area - 24 hrs - 50% non-refundable cancellation fee (cancellation by Phone and/or Email required).
Inside the S.F. Bay Area & Phone / Web Conference - 4 hrs - 50% non-refundable cancellation fee (cancellation by Phone and/or Email required).
Prepaid travel expenses outside the Bay Area (date of prepaid travel expenses negotiable with Client).

Portfolio Management Consultation:

$100 non-refundable PREPAY on WebCam Promotion.
At conclusion of the 1st Phone conference, the Client has the option to cancel, non-refundable cancellation fee of $250 (cancellation Email verification within 24hrs of the 1st Phone conference).
Before Emailed Recommendations or 2nd Phone conference, non-refundable cancellation fee of $500 (cancellation Email verification before Emailed Recommendations or 2nd Phone conference).

Cancellation fees increase after our 1st and before our 2nd contact because we have started work on your Portfolio Recommendations.

WebCam PROMOTION returns:

If you receive a defective WebCam we will work with you to replace it. Web Conferencing is cutting edge technology and requires computer / peripheral and hardware / software knowledge.
We provide a comprehensive package of hardware / software support to start Web Conferencing (Windows XP) - specific problems please consult Microsoft technical support.

Hourly Consultation:

We may ask for a scheduling fee of $25. If the appointment is cancelled within 48 hours of the appointment we may charge $25 or 10% of fees scheduled. If the appointment is cancelled within 24 hours (non-Bay Area) or within 4 hours (Bay Area) we may charge a cancellation fee up to 50% of fees scheduled.

Cancellation is a part of business:

Unfortunately, cancelled scheduled appointments interrupt our business. We ask for a Phone and/or Email cancellation notification. Your Phone and/or Email records are your confirmation of the date and time of your cancellation. We recommend that phone calls exceed 1 minute (recorded as a 2 minute connected call). Failure to contact our correct phone number: (415) 685-3581 and/or Email address: is your responsibility.

You may cancel a scheduled Consultation at the bottom of this page using our Online Cancellation Notification.

Questions:

Credit card billing / Cancellation questions: Email to .

Online Cancellation Notification:

If you need to Cancel a scheduled Consultation; please submit your Name, Email, Date & Time of Consultation below:

Name:
Email:
Date:
Time (hh:mm):	:

Your Confirmation of this Cancellation Notification will be confirmed by Email.
IF YOU DO NOT RECEIVE OUR EMAIL CONFIRMATION - YOU HAVE NOT SUCCESSFULLY NOTIFIED US.