Harbor

Important Information

Harbor Trust Company, Inc. (“Harbor Trust Company”) has established the Harbor Collective Investment Trust (the "Trust") pursuant to a Declaration of Trust and collective investment funds of the Trust (the “CITs”) pursuant to a Fund Declaration. Harbor Trust Company serves as trustee and is responsible for maintaining and managing the CITs. Harbor Capital Advisors, Inc. (“Harbor Capital”) serves as investment adviser to the CITs. The CITs are distributed by Harbor Funds Distributors, Inc. ("Harbor Funds Distributors"). Harbor Funds Distributors, Harbor Capital, and Harbor Trust Company are affiliates.

The CITs are not mutual funds. Participation in the CITs is limited to Eligible Trusts that are accepted by Harbor Trust Company, as the trustee, as Participating Trusts. These eligibility requirements, along with other defined terms, are more fully described in the Declaration of Trust.

Investments in the CITs are NOT bank deposits, are NOT guaranteed by Harbor Trust Company or any of its agents, are NOT insured by the Federal Deposit Insurance Corporation (“FDIC”) or any other agency of the U.S. government, and are subject to investment risks, including loss of principal. The Trust is not registered under the Investment Company Act and the Units are not registered under the Securities Act in each case in reliance on exemptions under these Acts for interests in a collective trust fund maintained by a bank for certain types of employee benefit trusts. Accordingly, information that would otherwise be needed if registration were required is not necessary.

Not FDIC Insured. No Bank Guarantee. May Lose Value.