Argent Advisors Inc

Item 5           Fees and Compensation

   A.
                                   INVESTMENT ADVISORY SERVICES
         The Registrant provides discretionary investment advisory services on a fee basis. The
         Registrant’s annual investment advisory fee is negotiable and may vary depending upon
         various objective and subjective factors, but is generally charged according to the following
         fee schedule*:

         Account Type                           Assets Under Management                   Annual Fee

         Standard Portfolio Management:              First  500,000                          1.25%
         MAP Managed, Retirement Builder,            Next   500,000                          1.00%
         Prime/Prime Plus, Dividend Focus,           Next 1,000,000                          0.90%
         and Individually Managed                    Over 2,000,000                          0.70%
         Accounts

         Dynamic Asset Models:                       First 1,000,000                         1.50%
                                                     Over 1,000,000                          1.25%
         Plus $20 per month operations fee

         Prime Dynamic:                             First 1,000,000                          1.50%
                                                    Over 1,000,000                           1.25%

         Public Funds Management:                   First   10,000,000                      0.20%
                                                    Next    10,000,000                      0.175%
                                                    Over    20,000,000                      0.15%
                                                    Over    25,000,000                    Negotiated

         American Funds – Active Portfolio          First 500,000                            1.00%
                                                    Next 500,000                             0.90%
                                                    Next 500,000                             0.80%
                                                    Over 2,000,000                           0.50%

                            Passive Portfolio       All                                      0.50%

The Registrant’s investment advisory fee is negotiable at Registrant’s discretion,
depending upon objective and subjective factors including but not limited to: the amount
of assets to be managed; portfolio composition; the scope and complexity of the
engagement; the anticipated number of meetings and servicing needs; related accounts;
future earning capacity; anticipated future additional assets; the professional(s) rendering
the service(s); prior relationships with the Registrant and/or its representatives, and
negotiations with the client. As a result of these factors, similarly situated clients could pay
different fees, the services to be provided by the Registrant to any particular client could
be available from other advisers at lower fees, and certain clients may have fees different
than those specifically set forth above.

Accounts custodied at ATC are subject to a $240 base fee. ATC reserves the right to charge
reasonable fees for services, duties and responsibilities undertaken in connection with
Public Funds Management. Additional fees of up to $300.00 per hour may be charged.

Accounts custodied at Fidelity - $60 annual base fee may be charged.

The Registrant may recommend certain clients open accounts at American Funds for the
sole purpose of holding American Fund funds. The recommendation to open these accounts
shall generally be limited to clients with less than $100,000 in assets under management or
those clients already holding American Fund funds.

*Please refer to Item 5.C. below with respect to additional service fees and charges that
clients incur in addition to the investment advisory fees generally described above.

Custom Service Fees

IRA’s - $50.00 annual maintenance and 5498 reporting fee (ATC only)
        $75.00 Calculation of required minimum distribution (RMD) (ATC only)

Unique Assets – (real estate, closely held companies, etc.) a setup fee and annual
maintenance fee will apply. Annual out-of-pocket expenses and appraisal fees may also
apply. Please contact our office for details.

Other Services – such as ongoing retirement or financial planning, budget assistance, bill
paying, special requests, etc. can be performed by your Advisor. These additional services
may affect the rates listed in the basic fee schedule above or may be billed at a rate of $150
per hour.

Argent Trust Company, our affiliated custodian, receives service fees of up to 25 basis
points (one quarter of 1 percent) on money market and select mutual fund balances. ATC
custody fees are included in the pricing above.

Trading Fees

Trading fees vary by custodian, please ask your Advisor for specific trading information.

Although Registrant allocates client assets consistent with the client’s designated
investment objective, the fact that the Registrant earns a higher fee for certain account types
as referenced in the above fee schedule, is a conflict of interest since the Registrant has an
economic incentive to recommend a higher fee-paying type account. The Registrant’s

    Chief Compliance Officer, Carrie Brown, remains available to address any questions that
    a client or prospective client may have regarding this conflict of interest.

    Additional Performance Measurement Charge. In addition to the above fees/charges,
    all clients will incur the same fixed monthly charge of $5 to reimburse the Registrant for
    the costs of Black Diamond performance measurement technology, regardless of the size
    of the account. Therefore, smaller accounts will be disproportionately affected.

           FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
    The Registrant provides financial planning and/or consulting services (including
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Item 7           Types of Clients

         The Registrant’s clients shall generally include individuals, business entities, trusts, estates,
         charitable organizations and government municipalities.