Argent Wealth Management Inc

Item 5: Fees and Compensation
  Description
     Argent bases its fees on:
        1. A flat financial planning fee plus a variable investment management fee
           (Core Advisory Service), or
        2. Hourly fee (Financial Consulting Service)

  Fee Billing
     Core Advisory Service fees are billed quarterly in advance. Financial Consulting
     Service fees incurred by Core Advisory Service Clients will be added to the
     Client’s next quarterly invoice. Financial Consulting Service fees for other clients
     will be invoiced to Client as time is incurred.

  Other Fees
     Custodians may charge transaction fees on purchases or sales of certain mutual
     funds and exchange-traded funds. These transaction charges are usually small
     and incidental to the purchase or sale of a security. The selection of the security
     is more important than the nominal fee that the custodian charges to buy or sell
     the security.

  Expense Ratios
    Mutual funds and exchange traded funds generally charge a management fee for
    their services as investment managers. The management fee is called an
    expense ratio. For example, an expense ratio of 0.50% means that the mutual
    fund or exchange traded fund company charges 0.50% of invested assets
    annually for their services. These fees are in addition to the fees paid to Argent.

     Performance figures quoted by mutual fund companies in various publications are
     after their fees have been deducted.

  Past Due Accounts and Termination of Agreement
     Argent reserves the right to stop work on any account that is more than 30 days
     past due.

     Argent reserves the right to terminate the client agreement when:
         The client has willfully concealed or has refused to provide pertinent
           information about their financial situation that is requisite, in Argent’s
           judgment, to providing proper financial advice.
         A conflict of interest, ethics, or personalities develops that makes
           continuation of the engagement unfeasible.
     Any unused portion of fees collected in advance will be refunded within 30 days.

                              Argent Wealth Management, Inc.

Item 7: Types of Clients
  Description
     Argent generally provides investment advice to individuals and high net worth
     individuals. Client relationships vary in scope and length of service.

  Account Minimums
     Argent does not have a minimum account size or minimum fee.