Emigrant Bank Fine Art Finance LLC’s Privacy Notice describes how we use and protect your information. We believe that protecting your privacy is an integral part of the customer service we provide to you. At Emigrant Bank Fine Art Finance, we recognize that our relationship with you is based on trust, and the protection of your private financial information merits the highest priority. That’s why we have taken stringent measures and established procedures that seek to ensure the confidentiality of all of your confidential information, whether we have received it directly from you or from a third party.

This notice outlines those established procedures, and will be provided to you each year as long as you maintain an ongoing relationship with us.

We collect only the information we need in order to serve you and conduct our business. We collect certain personal identifying information about you (such as your social security number, income, account balances, payment history, etc.) from information that you provide on applications or other forms as well as communications (electronic, telephone, written or in person) with you or your authorized representatives (such as your attorney, accountant, etc.). We also may collect information from an outside company, such as a credit bureau, regarding your credit history and scores. When you are no longer our customer, we continue to share your information as described in this notice.

• We limit access to your personal and financial information to those of our employees, agents and service providers that are required to have access to it in order to meet your financial needs, respond to court orders and legal investigations, report to credit bureaus, or conduct our business, as permitted by law.
• The customer information may be shared among our affiliates that include companies within the Emigrant Family* of companies, as well as with authorized third parties, for a number of purposes, such as:
  • to protect your accounts from unauthorized access or identity theft;
  • to process your requests, such as loan applications; or
  • to service your accounts by issuing checks and account statements

• We may disclose the information we collect, as described above, with non-affiliated third parties that are acting on our behalf, including companies that provide support services for us. Emigrant Bank Fine Art Finance does not, and will not, share any of its customer information, including your creditworthiness, with any affiliated or non-affiliated companies for marketing purposes or for an affiliates’ everyday business purposes.
• We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

• We maintain physical, electronic and procedural safeguards to protect customer information. We utilize state-of-the art technology for this purpose and upgrade, when appropriate, to improve our privacy protection performance.
• All of our employees, agents and service providers are responsible for compliance with the policies and procedures and applicable laws and regulations we have established to safeguard your personal and financial information.
• Our employees are governed by Emigrant’s Code of Conduct, which expressly requires the confidentiality of customer information, and our employees receive training in the importance of adhering to the procedures we’ve established to assure that confidentiality.
• Our data processing and electronic operations are performed in a secure technical environment that is accessed only by authorized personnel to transact legitimate business operations.
• We maintain electronic safeguards to protect customer privacy on our websites. This assures that when you conduct your business with us from your home or office, the privacy of your relationship and the information you furnish us online is protected.

• California: Under California law, we will not share information we collect about you with companies outside of Emigrant Family, unless the law allows. For example, we may share information with your consent, to service your accounts. We will limit sharing among our companies to the extent required by California law.

* The Emigrant Family includes the following companies that offer consumer-related financial services: Emigrant Bank (providing a full range of banking products); Emigrant Mortgage a division of Emigrant Bank., (offering residential mortgage loans), Emigrant Mortgage Company, Inc. (offering mortgage loan servicing), Emigrant Funding Corporation, Emigrant Agency, Inc. doing business as Emigrant Financial Services, Personal Risk Management Solutions (a division of Emigrant Bank providing insurance advisory services), New York Private Bank and Trust (a division of Emigrant Bank offering private banking and trust services), Sarasota Private Trust Company (a subsidiary of Emigrant Bank offering wealth management and trust services), Cleveland Private Trust Company (a subsidiary of Emigrant Bank offering wealth management and trust services), Emigrant Direct and Dollar Savings Direct, My Savings Direct (each a division of Emigrant Bank offering certain banking products and services via the Internet).

Revised: August 2025