Arvest Investments Inc

Item 5 Fees and Compensation
ARVEST WEALTH MANAGEMENT SPONSORED WRAP FEE PROGRAMS

Please refer to the Arvest Wealth Management Wrap Fee Program Brochure for a description of our wrap
fee programs.

RETIREMENT PLAN CONSULTING FEES

Fees for Retirement Plan Consulting’s (“Fees”) services are negotiable and vary based upon the nature,
scope, and frequency of our services as well as the size and complexity of the plan. A general description
of the different types of fees for Retirement Plan Consulting services appears in the fee schedule below:

                     Fee Type                                               Fee Range
 Assets Under Management – Plan or Account Value       0.15% - 1.00% (Annualized)
 Flat Fee                                              Negotiable
 Project Fee                                           Negotiable

Depending upon the capabilities and requirements of the Plan’s recordkeeper or custodian, we may
collect our Fees in arrears or in advance. Typically, Sponsors instruct the Plan’s recordkeeper or custodian
to automatically deduct our Fees from the Plan account; however, in some cases a Sponsor may request
that we send invoices directly to the Sponsor or recordkeeper/custodian. Some Plans have monthly fee
assessment and collection, while others are quarterly. Please also consult the plan custodian’s disclosures
and your advisory agreement with the Firm for additional information regarding fees and fee collection.
Upon termination of any Retirement Plan Consulting services contract, any prepaid, unearned fees will be
promptly refunded.

Sponsors receiving Retirement Plan Consulting services may pay more than or less than a client might
otherwise pay if purchasing the Retirement Plan Consulting services separately or through another service
provider. There are several factors that determine whether the costs would be more or less, including,
but not limited to, the size of the Plan, the specific investments made by the Plan, the number of or
locations of Plan participants, services offered by another service provider, and the actual costs of
Retirement Plan Consulting services purchased elsewhere. Considering the specific Retirement Plan
Consulting services offered by the Firm, the Fees charged may be more or less than those of other similar
service providers.

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In determining the value of the Account for purposes of calculating any asset-based Fees, IARs will rely
upon the valuation of assets provided by the Sponsor or the Plan’s custodian or recordkeeper without
independent verification. If, however, there are circumstances which, in the IAR’s judgment, render the
custodian’s valuation inappropriate, IARs will value securities listed on any national securities exchange
at the closing price on the principal exchange on which they are traded and will value any other securities
in a manner determined in good faith by IARs to reflect fair market value. In all events, any such valuation
will not be any guarantee of the market value of any of the assets in the Plan.

Unless we agree otherwise, no adjustments or refunds will be made in respect of any period for (i)
appreciation or depreciation in the value of the Plan account during that period or (ii) any partial
withdrawal of assets from the account during that period. If the Agreement is terminated by us or by the
Sponsor, we will refund certain Fees to the Sponsor to the extent provided in Section 8 of the Agreement.
Unless we agree otherwise, all Fees shall be based on the total value of the assets in the account without
regard to any debit balance.

All Fees paid to the Firm for Retirement Plan Consulting services are separate and distinct from the fees
and expenses charged by mutual funds, variable annuities, and exchange-traded funds to their
shareholders. These fees and expenses are described in each investment's prospectus. These fees will
generally include a management fee, other expenses, and possible distribution fees. If the investment also
imposes sales charges, a client may pay an initial or deferred sales charge. The Retirement Plan Consulting
services provided by the Firm may, among other things, assist the client in determining which investments
are most appropriate to each client's financial condition and objectives and to provide other
administrative assistance as selected by the client. Accordingly, the client should review both the fees
charged by the funds, the fund manager, the Plan's other service providers and the fees charged by the
Firm to fully understand the total amount of fees to be paid by the client and to evaluate the Retirement
Plan Consulting services being provided.

While the following examples are not necessarily related to the Retirement Plan Consulting services,
various vendors, product providers, distributors and others have provided and may, in the future provide,
compensation by paying some expenses related to the following activities: training and education to
include the Firm’s training and recognition events. Also, certain vendors have, and may in the future,
provide marketing support (example seminars), invite us to participate in conferences, or on-line training
that may further IARs' and employees' skills and knowledge. Also, some have and may, in the future,
occasionally provide us with gifts, meals and entertainment of reasonable value consistent with industry
rules and regulations.

If applicable, and in the event the payments are received in connection with, or resulting from, the
Retirement Plan Consulting services, we will disclose such payments to Sponsors in accordance with ERISA
and Department of Labor regulations.

No increase in the Fees will be effective without prior written notice.

Advisory Fees in General: Clients should note that similar advisory services may be available from other
registered investment advisors for similar or lower fees.
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Item 7 Types of Clients
The Firm provides advisory services to the following types of clients:

    •   Individuals (other than high net worth individuals)
    •   High net worth individuals
    •   Pension and profit-sharing plans
    •   Charitable organizations
    •   Corporations or other businesses not listed above.

Please refer to the Arvest Wealth Management Wrap Fee Program Brochure for a description of our wrap
fee programs, including the requirements for opening and maintaining a wrap fee program account.

Our Retirement Plan Consulting services are available to clients that are sponsors or other fiduciaries to
plans, including 401(k), 457(b), 403(b) and 401(a) plans. Plans include participant-directed defined
contribution plans and defined benefit plans. Plans may or may not be subject to ERISA. The Firm does
not have a minimum asset amount requirement for our Retirement Plan Consulting accounts, but various
plan custodians may.