GENESEE CAPITAL ADVISORS, LLC

Genesee Capital Advisors, LLC Form ADV Part 2A – Disclosure Brochure Effective: February 10, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Genesee Capital Advisors, LLC (“Genesee” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at 315-554-3020. Genesee is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Genesee to assist you in determining whether to retain the Advisor. Additional information about Genesee and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or our CRD# 167353. Genesee Capital Advisors, LLC 46 South Street Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about Advisory Persons of Genesee. For convenience, the Advisor has combined these documents into a single disclosure document. Genesee believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Genesee encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes There have been no material changes made to this Disclosure Brochure since the annual amendment filing on February 11th, 2025: Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching the Advisor’s firm name or CRD# 167353. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at 315-554-3020. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................................................... 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services ................................................................................................................................... 4 A. Firm Information ............................................................................................................................................................. 4 B. Advisory Services Offered .............................................................................................................................................. 4 C. Client Account Management .......................................................................................................................................... 6 D. Wrap Fee Programs ....................................................................................................................................................... 6 E. Assets Under Management ............................................................................................................................................ 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services ............................................................................................................................................. 6 B. Fee Billing ....................................................................................................................................................................... 7 C. Other Fees and Expenses ............................................................................................................................................. 7 D. Advance Payment of Fees and Termination .................................................................................................................. 8 E. Compensation for Sales of Securities ............................................................................................................................ 8 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 8 Item 7 – Types of Clients ....................................................................................................................................... 9 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss .......................................................... 9 A. Methods of Analysis ....................................................................................................................................................... 9 B. Risk of Loss .................................................................................................................................................................... 9 Item 9 – Disciplinary Information ....................................................................................................................... 10 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 10 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............. 11 A. Code of Ethics .............................................................................................................................................................. 11 B. Personal Trading with Material Interest ........................................................................................................................ 11 C. Personal Trading in Same Securities as Clients .......................................................................................................... 11 D. Personal Trading at Same Time as Client ................................................................................................................... 11 Item 12 – Brokerage Practices ............................................................................................................................ 11 A. Recommendation of Custodian[s] ................................................................................................................................ 11 B. Aggregating and Allocating Trades .............................................................................................................................. 12 Item 13 – Review of Accounts ............................................................................................................................ 12 A. Frequency of Reviews .................................................................................................................................................. 12 B. Causes for Reviews ..................................................................................................................................................... 12 C. Review Reports ............................................................................................................................................................ 13 Item 14 - Client Referrals and Other Compensation ......................................................................................... 13 A. Compensation Received by Genesee .......................................................................................................................... 13 B. Compensation for Client Referrals .............................................................................................................................. 13 Item 15 – Custody ................................................................................................................................................ 14 Item 16 – Investment Discretion ......................................................................................................................... 14 Item 17 – Voting Client Securities ...................................................................................................................... 14 Item 18 – Financial Information .......................................................................................................................... 14 Form ADV Part 2B – Brochure Supplements .................................................................................................... 15 Privacy Policy ...................................................................................................................................................... 19 Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 3  Item 4 – Advisory Services A. Firm Information Genesee Capital Advisors, LLC (“Genesee” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of New York. Genesee was founded in May 2013, and is owned and operated by Michael Hearn (Founding Partner, Investment Officer) Ryan Pine (Founding Partner, Investment Officer) and Jean Marie Hart (Founding Partner and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Genesee. B. Advisory Services Offered Genesee offers investment advisory services to individuals, high net worth individuals, trusts, estates, retirement plans, charitable organizations, corporations and other businesses (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Genesee’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding our Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Genesee provides Clients with comprehensive investment management services, which generally includes a broad range of discretionary and non-discretionary management of investment portfolios as well as financial planning services as described below. Genesee works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to determine a portfolio strategy. Genesee generally utilizes model portfolios which consist of diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, bonds or options contracts to meet the needs of its Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Genesee will retain mutual funds on a fund-by-fund basis. Due to specific custodial and/or mutual fund company constraints and/or material tax consideration, Genesee may retain share classes that do not have trading costs, but do have higher internal expense ratios than institutional share classes. Genesee will always seek to select the lowest cost share class available that is in the best interest of each Client and will ensure the selection aligns with the Client’s financial objectives and stated investment guidelines. Genesee’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Genesee will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Genesee evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Genesee may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Genesee may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Genesee may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 4  At no time will Genesee accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Retirement Plan Accounts – When deemed to be in the Client’s best interest, the Advisor will recommend that a Client rollover its retirement plan account into an account managed by the Advisor. In such instances, the Advisor will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by the Advisor. Financial Planning Services Genesee will typically provide a variety of financial planning services to individuals and families as part of its comprehensive investment management services or pursuant to a written financial planning agreement. Services are tailored to a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Genesee may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor would pose a conflict, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Retirement Plan Advisory Services Genesee provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and the Plan Sponsor, Services generally include: Investment Policy Statement (“IPS”) Design and Monitoring Investment Management Services (ERISA 3(38)) Investment Oversight Services (ERISA 3(21)) • Vendor Analysis • Plan Participant Enrollment and Education Tracking • • • • Ongoing Investment Recommendation and Assistance These services are provided by Genesee serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 5  Sponsor is provided with a written description of Genesee‘s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging Genesee to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – Genesee, in connection with the Client, will develop a strategy that seeks to achieve the Client’s investment goals and objectives. • Asset Allocation – Genesee will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. • Portfolio Construction – Genesee will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – Genesee will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Genesee does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Genesee. E. Assets Under Management As of December 31, 2025, Genesee manages $420,339,749 in Client assets, $415,149,973 of which is on a discretionary basis and $5,189,776 on a non-discretionary basis. Additionally, the Advisor oversees $52,123,726 in assets under advisement. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment management agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior calendar quarter. Investment management fees range from 0.05% to 1.75% annually based on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor. Relationships vary and some clients may be charged a lower for higher fee based on the objectives, specific reporting requirements, portfolio restrictions and other complexities. The investment management fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Genesee will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses as described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 6  Financial Planning Services Genesee typically offers financial planning as a component of investment management services. When offered separately, financial planning fees are either on an hourly or fixed fee basis. Hourly fees range from $200 to $400 per hour. Fixed fees range from $2,000 to $15,000 per engagement. Fees are negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours and total costs will be provided to the Client prior to engaging for these services. Retirement Plan Advisory Services Fees are charged based on a fixed annual fee of up to 1.75% of plan assets under management. Retirement plan advisory fees are payable either quarterly, in advance of each calendar quarter, or monthly, at the end of each month. B. Fee Billing Investment Management Services Investment management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with Genesee at the end of the prior quarter. Clients will be provided with a statement, at least monthly, from the Custodian reflecting deduction of the investment management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by Genesee directly from their account[s] held by the Custodian as part of the investment management agreement and separate account forms provided by the Custodian. Financial Planning Services Financial planning fees are invoiced by the Advisor upon completion of the agreed upon deliverable[s] and are due upon receipt. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than Genesee, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all securities execution and custody fees charged by the Custodian, if applicable. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in Client accounts, but typically charges for mutual funds and other types of investments. The fees charged by Genesee are separate and distinct from these custody and execution fees. In addition, all fees paid to Genesee for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Genesee, but would not receive the services provided by Genesee which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Genesee to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 7  D. Advance Payment of Fees and Termination Investment Management Services Genesee is compensated for its services in advance of the quarter in which investment management services are rendered. Either party may terminate the investment management agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment management agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor will refund any unearned, prepaid investment management fees from the effective date of termination to the end of the quarter. The Client’s investment management agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning Services Genesee requires an advance deposit as described above. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for actual hours logged on the planning project times the contractual hourly rate or in the case of a fixed fee engagement, the percentage of the engagement scope completed by the Advisor. The Advisor will refund any unearned, prepaid financial planning fees from the effective date of termination. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Retirement Plan Advisory Services Genesee may be compensated for its services either in advance of the quarter in which retirement plan advisory services are rendered, or at the end of the month after retirement plan advisory services are rendered. Either party may terminate the retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the retirement plan advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. For fees collected in advance, the Advisor will refund any unearned, prepaid retirement plan advisory fees from the effective date of termination to the end of the quarter. For fees collected in arrears, the Client shall be responsible for fees up to and including the effective date of termination. The Client’s retirement plan advisory agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Genesee does not buy or sell securities and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Insurance Agency Affiliation Certain Advisory Persons are licensed as independent insurance professionals. As an independent insurance professional, an Advisory Person may earn commission-based compensation for selling insurance products, including insurance products offered to Clients. Insurance commissions earned by the Advisory Person are separate and in addition to investment advisory fees. This practice presents a conflict of interest as an Advisory Person who is also an insurance professional will have an incentive to recommend insurance products to the Client for the purpose of generating commissions rather than solely based on the Client’s needs. Clients are under no obligation, contractual or otherwise, to purchase insurance products through any Advisory Person affiliated with the Advisor. Please see Item 10 below. Item 6 – Performance-Based Fees and Side-By-Side Management Genesee does not charge performance-based fees for its investment advisory services. The fees charged by Genesee are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 8  Genesee does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Genesee offers investment advisory services to individuals, high net worth individuals, trusts, estates, retirement plans, charitable organizations, corporations and other businesses. Genesee generally requires a minimum account size for establishing a relationship of $250,000 to effectively implement its investment process which may be reduced at the sole discretion of the Advisor. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Genesee primarily employs fundamental and technical analysis in developing investment strategies for its Clients. Research and analysis from Genesee are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that Genesee will be able to accurately predict such a reoccurrence. As noted above, Genesee generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Genesee will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Genesee may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Genesee will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 9  participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Options Contracts Investments in options contracts have the risk of losing value in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving Genesee or any of its management persons. Genesee values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or our CRD# 167353. Item 10 – Other Financial Industry Activities and Affiliations Insurance Agency Affiliations As noted in Item 5, certain Advisory Persons are licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with the Advisor. As an insurance professional, the Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Advisory Persons are not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset investment advisory fees. This Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 10  presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by the Advisor or Advisory Persons. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Genesee has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Genesee (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. Genesee and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Genesee’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at 315-554-3020. B. Personal Trading with Material Interest Genesee allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Genesee does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. Genesee does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Genesee allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by Genesee requiring reporting of personal securities trades by its Supervised Persons for review by the Supervised Person’s supervisor or CCO. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Genesee allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Genesee, or any Supervised Person of Genesee, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Genesee does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Genesee to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Genesee does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Genesee does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by Genesee. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. Genesee may recommend the Custodian based on criteria such as, Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 11  but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, its reputation and/or the location of the Custodian’s offices. Genesee will generally recommend that Clients establish their account[s] at Charles Schwab & Co., Inc. (“Schwab”), a FINRA-registered broker-dealer and member SIPC. Schwab will serve as the Client’s “qualified custodian”. Genesee maintains an institutional relationship with Schwab, whereby the Advisor receives economic benefits from Schwab. Please see Item 14 below. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Genesee does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. 2. Brokerage Referrals - Genesee does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Genesee will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). Genesee will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Genesee will execute its transactions through the Custodian as directed by the Client. Genesee may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Client accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by JeanMarie Hart, Chief Compliance Officer of Genesee. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Genesee if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 12  C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Genesee Genesee may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, Genesee may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform Genesee has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like Genesee. As a registered investment advisor participating on the Schwab Advisor Services platform, Genesee receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Advisor and many, but not all services provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client’s funds and securities. Through Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology, research, discounts and other services. In addition, the Advisor receives duplicate statements for Client accounts, the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients, but may not directly benefit all Clients. Services that May Only Benefit the Advisor – Schwab also offers other services to Genesee that may not benefit the Client, including: educational conferences and events, consulting services and discounts for various service providers. Access to these services creates a financial incentive for the Advisor to recommend Schwab, which results in a conflict of interest. Genesee believes, however, that the selection of Schwab as Custodian is in the best interests of its Clients. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 13  Item 15 – Custody The Advisor is authorized to deduct its fees from the Client’s account[s] at the Custodian. The Client must place all assets with a “qualified custodian”. The Client is required to engage the Custodian to retain all funds and securities and direct the Advisor to utilize that Custodian for security transactions in the account[s]. The Client should review statements provided by the Custodian, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. If the Client gives the Advisor authority to move money from one account to another account, the Advisor may have custody of those assets. In order to avoid additional regulatory requirements, the Custodian and the Advisor have adopted safeguards to ensure that the money movements are completed in accordance with the Client’s instructions. Item 16 – Investment Discretion Genesee typically has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Genesee. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by Genesee will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Genesee does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Genesee, nor its management have any adverse financial situations that would reasonably impair the ability of Genesee to meet all obligations to its Clients. Neither Genesee, nor any of its Advisory Persons have been subject to a bankruptcy or financial compromise. Genesee is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 14  Form ADV Part 2B – Brochure Supplement for Michael C. Hearn Founding Partner, Investment Officer Effective: February 10, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Michael C. Hearn (CRD# 2131707) in addition to the information contained in the Genesee Capital Advisors, LLC (“Genesee” or the “Advisor”, CRD# 167353) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Genesee Disclosure Brochure or this Brochure Supplement, please contact the Advisor at 315-554-3020. Additional information about Mr. Hearn is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2131707. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 15  Item 2 – Educational Background and Business Experience Michael C. Hearn, born in 1955, is dedicated to advising Clients of Genesee as a Founding Partner, Investment Officer. Mr. Hearn earned a Bachelor of Arts degree from Binghamton University in 1981. Additional information regarding Mr. Hearn’s employment history is included below. Employment History: Founding Partner, Investment Officer, Genesee Capital Advisors, LLC Registered Reprsentative, Purshe Kaplan Sterling Investments, Inc. Branch Manager, Senior VP, Sr. Portfolio Manager, Morgan Stanley Smith Barney 05/2013 to Present 05/2013 to 10/2024 05/2005 to 05/2013 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Hearn. Mr. Hearn has never been involved in any regulatory, civil or criminal action. There have been no written client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Hearn. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Hearn. However, the Advisor does encourage you to independently view the background of Mr. Hearn on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2131707. Item 4 – Other Business Activities Insurance Agency Affiliation Mr. Hearn is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Hearn’s role with Genesee. As an insurance professional, Mr. Hearn will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Hearn is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Hearn or the Advisor. Item 5 – Additional Compensation Mr. Hearn has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Hearn serves as a Founding Partner, Investment Officer and is supervised by JeanMarie Hart, the Chief Compliance Officer. Ms. Hart can be reached at 315-554-3020. Genesee has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Genesee. Further, Genesee is subject to regulatory oversight by various agencies. These agencies require registration by Genesee and its Supervised Persons. As a registered entity, Genesee is subject to examinations by regulators, which may be announced or unannounced. Genesee is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 16  Form ADV Part 2B – Brochure Supplement for Ryan W. Pine Founding Partner, Investment Officer Effective: February 10, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Ryan W. Pine (CRD# 4848779) in addition to the information contained in the Genesee Capital Advisors, LLC (“Genesee” or the “Advisor”, CRD# 167353) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Genesee Disclosure Brochure or this Brochure Supplement, please contact the Advisor at 315-554-3020. Additional information about Mr. Pine is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4848779. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 17  Item 2 – Educational Background and Business Experience Ryan W. Pine, born in 1982, is dedicated to advising Clients of Genesee as a Founding Partner, Investment Officer. Mr. Pine earned a Bachelor of Science in Economics from Siena College in 2005. Additional information regarding Mr. Pine’s employment history is included below. Employment History: Founding Partner, Investment Officer, Genesee Capital Advisors, LLC Registered Representative, Purshe Kaplan Sterling Investments, Inc. Financial Advisor, Morgan Stanley Financial Advisor, Banc of America Investments 05/2013 to Present 05/2013 to 10/2024 06/2008 to 05/2013 10/2006 to 06/2008 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Pine. Mr. Pine has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Pine. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Pine. However, the Advisor does encourage you to independently view the background of Mr. Pine on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4848779. Item 4 – Other Business Activities Insurance Agency Affiliation Mr. Pine is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Pine’s role with Genesee. As an insurance professional, Mr. Pine will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Pine is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Pine or the Advisor. Item 5 – Additional Compensation Mr. Pine has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Pine serves as a Founding Partner, Investment Officer. He is supervised by JeanMarie Hart, the Chief Compliance Officer. Ms. Hart can be reached at 315-554-3020. Genesee has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Genesee. Further, Genesee is subject to regulatory oversight by various agencies. These agencies require registration by Genesee and its Supervised Persons. As a registered entity, Genesee is subject to examinations by regulators, which may be announced or unannounced. Genesee is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 18  Privacy Policy Effective: February 10, 2026 Our Commitment to You Genesee Capital Advisors, LLC (“Genesee” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Genesee (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Genesee does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 19  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Do we share? Can you limit? Yes No No Not Shared Yes Yes No Not Shared Basis For Sharing Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes Genesee does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Genesee or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients Genesee does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy, and will provide you with a revised policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at 315-554-3020. Genesee Capital Advisors, LLC 46 South Street, Auburn, NY 13021 Phone: 315-554-3020 * Fax: (315) 685-8164 http://www.geneseeadvisors.com Page 20