Important Notice:

Invex Advisors LLC, doing business as Nest (“Nest”), does not provide credit services nor act as the issuer of the card. Nest’s services are limited to: (1) facilitating the digital application process for the Karta Visa Infinite credit card for qualifying clients, (2) automating balance payments through asset liquidation, bank instruction registration with the custodian, and/or transfers from the client’s investment account, and (3) enabling card visualization within Nest’s digital environment alongside investment accounts.

Exclusive Relationship with the Card Issuer (Karta)

The contractual relationship associated with the Karta Visa Infinite card exists exclusively between the client and the card issuer (Karta). Nest does not participate in, nor influence, the approval, terms, conditions, benefits, or the operational or financial management of the card.

Information Sharing

With the client’s expressed authorization, Karta and Nest may exchange information to enable the service.

● Nest shares client data necessary to facilitate the credit card application and register the Interaudi Bank account as a banking instruction with the custodian in order to automatically execute monthly payments. Nest also shares the bank account details at Interaudi Bank used to receive funds for monthly payments.

● Karta shares relevant information required for balance payments and for card display in the Invex Nest app. Karta also shares bank account details at Interaudi Bank used to receive funds for monthly payments.

Minimum Balance and Automated Liquidity Management

● This service is available only to clients with an automated portfolio in their investment account.

● In the case of multiple accounts, the one with the highest asset value will be automatically selected.

● Partial or total liquidation of assets in the selected account may be executed in order to generate liquidity and transfer funds for card payment, without altering the portfolio’s global investment strategy.

No Liability for Charges or Balances

Nest’s role is limited to transferring all available funds from the investment account for the purpose of paying the credit card. Nest assumes no responsibility if the available funds—even after a full liquidation of assets—are insufficient to cover the outstanding balance.

The client bears full responsibility for any outstanding balance, interest, and additional charges for late payments that are not covered by the investment account.

Account Type Restriction

This service is available only for discretionary investment accounts, such as automated portfolios, offered through the platform.

Not a Custodian or Financial Institution

Nest and Invex Advisors LLC are neither custodians of funds nor credit institutions. Investment accounts are custodied by duly registered third parties. The issuance and management of the Karta card are handled exclusively by the authorized issuer and its associated institutions, including Interaudi Bank, which acts as the settlement account for payments.

Potential Commercial Compensation

XENDIA Financial Solutions, LLC, part of the XENDIA Global LLC holding company, may receive revenue, commissions, or other compensation resulting from its participation in facilitating the card through Nest. This compensation does not affect the terms, conditions, or costs applicable to the end client.

By applying for the card through the Invex Nest app, the client acknowledges having read and expressly accepted the above terms.