Banorte Ventures Ltd

Item 5 – Fees and Compensation
   Advisory Fees
BInvesting charges advisory fees based on a percentage of total assets we manage for you.
These fees are assessed quarterly in arrears and calculated daily based on the account’s Net
Liquidation Value (NLV).
The annual fee schedule, based on a graded tier system, is as follows:
   •   $0 to $100,000 = 1.85% per year
   •   $100,001 to $200,000 = 1.75% per year
   •   $200,001 to $300,000 = 1.50% per year
   •   $300,001 to $1 million = 1.25% per year
   •   $1 million and higher = 1% per year
This fee structure includes advisory services, portfolio rebalancing, trade execution, and
custodial services as part of our wrap fee program. Clients should note that similar advisory
services may be available from other registered or unregistered investment advisers for lower
fees.

   Additional Fees and Costs
While the advisory fee covers most services, clients may incur the following additional costs:
   1. Third-Party Manager Fees: The underlying funds in your portfolio (e.g., U.S. domiciled
      ETFs or UCITS ETFs) may charge management fees, which are embedded in the fund’s
      expense ratio.
   2. Custodial Fees: Clients may be charged fees for optional services provided by the
      custodian, such as wire transfers or paper statements.
   3. Foreign Transaction Fees: Offshore clients may incur additional costs for certain
      transactions.
These costs are separate from our advisory fees and are disclosed by the respective service
providers. Please refer to Item 12 – Brokerage Practices for additional details.

   Payment of Fees
Advisory fees are automatically deducted from client accounts at the end of each billing
period. Clients authorize this deduction as part of their advisory agreement. A detailed
statement showing the calculation and deduction of fees is provided by the custodian.

   Wrap Fee Program
Our wrap fee program consolidates advisory, custodial, and transaction execution costs into
a single asset-based fee, which simplifies cost management for clients. This structure may
incentivize us to use custodians or managers that offer operational efficiencies, which we
disclose as a potential conflict of interest.

   Prepaid Fees and Refunds
We do not charge prepaid fees. If a client terminates their agreement before the end of a

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billing period, no refund is necessary since fees are assessed in arrears.

   Additional Compensation
BInvesting does not receive any compensation from third parties related to the securities or
investments in client accounts. Our sole compensation is the advisory fee paid by our clients.

   General Information
       Termination of the Advisory Relationship
Either Banorte Ventures Ltd. (“the Adviser”) or the client may terminate the advisory
agreement at any time by providing written notice to the other party. Clients may initiate the
termination process by sending an email to support@binvesting.us. Termination of this
agreement by Client shall take effect no later than the seventh (7th) business day following
receipt by the Adviser of notice of termination.
The Adviser reserves the right to terminate the advisory relationship under certain
circumstances, including, but not limited to:
   •   Failure to maintain the required account minimum, including:
           o Failure to deposit the Required Minimum of $25,000 within ninety (90)
              calendar days of signing the agreement (deposits held in cash until funded), or
           o Failure to restore the Required Minimum of $25,000 within ninety (90)
              calendar days following a withdrawal that reduces the balance below the
              Required Minimum (excluding market fluctuation),
   •   Client’s full withdrawal of all the assets in the account,
   •   Non-compliance with account documentation or disclosure requirements, or
   •   Situations where the account activity or client information presents potential
       compliance or AML risks as determined by the Adviser in accordance with applicable
       regulations.
The Adviser will provide written notice to the client at least 30 days prior to the termination
date, except where immediate termination is necessary due to suspected fraud, regulatory
or AML/CFT compliance concerns, or material non-compliance with account terms.

Upon termination of the advisory agreement:
   •   The Adviser will no longer provide monitoring, rebalancing, or any other investment
       management services for the client’s account as of the termination date.
   •   The Adviser will calculate and prorate advisory fees through the effective date of
       termination.
   •   The Adviser will notify the executing broker and the custodian of the termination,
       confirming the cessation of the Adviser’s discretionary authority over the account.
   •   The client’s brokerage account will remain open unless separately terminated by the
       client. Any fees charged by the executing broker will continue to apply, as outlined in
       the agreements between the client and the broker.
   •   The client’s assets will remain custodied with the current custodian, subject to the
       custodian’s terms and conditions. The client will assume full responsibility for managing
       the account or assigning a new adviser to the account.

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Termination of the advisory agreement does not absolve the client of any obligations
incurred prior to the termination date, including fees due for services rendered or
outstanding costs associated with custodial or third-party services.

      UCITS and ETF Fees
Our robo-advisory platform does not utilize mutual funds with retail share classes. Instead, we
offer UCITS ETFs for international clients and U.S. -domiciled ETFs for domestic clients. UCITS
ETFs and U.S. -domiciled ETFs generally have lower expense ratios compared to many other
investment options.
...

Item 7 – Types of Clients
BInvesting provides investment advisory services exclusively to individual retail investors
through its Robo-advisor platform. BInvesting does not offer advisory services to trusts,
charitable organizations, corporations, or other business entities.

   Client Eligibility
To open and maintain an account on the BInvesting platform, the Client must meet the
following eligibility criteria:
   (a) The Client must be an individual natural person, at least 18 years of age (or legal age of
      majority in the Client’s jurisdiction), with the legal capacity to enter into this Agreement.
   (b) The Client must not be subject to any legal or regulatory restriction that would prohibit
      participation in a discretionary investment advisory program or the execution of
      transactions through the BInvesting platform.
   (c) The Client must not be a citizen or resident of a country subject to international
      sanctions, prohibitions, or restrictions under U.S. law or other applicable regulations.
   (d) The Client must not be classified as a Politically Exposed Person (PEP) or a Private
      Investment Company (PIC)

   Account Minimums
To establish and maintain an advisory account, the Client must deposit a minimum of $25,000
within ninety (90) calendar days of signing this Agreement. Until the Required Minimum is
deposited, all Client contributions will be held in cash in the Client’s account and will not be
invested. The Adviser will not implement the Client’s selected investment strategy or place
any trades until the Required Minimum has been satisfied. The client will not be charged any
advisory fees until the Required Minimum is received, and the account is invested in the
Client’s selected portfolio.

If the Client fails to meet the Required Minimum within ninety (90) days, the Adviser reserves
the right, in its sole discretion, to close the account. In such event, any funds or securities
previously deposited will be returned to the Client, net of any applicable fees or charges
incurred prior to closure.

Market fluctuations that reduce an account balance below this threshold will not result in
termination. However, if withdrawals or other actions reduce the balance below this amount,
corrective actions may be required, such as additional contributions to meet the minimum.

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