Important Information

The Harbor AlphaEdge Indices (each on "Index") have been created by Harbor Capital Advisors, Inc. ("Harbor Capital") and are calculated, published, and distributed by Solactive AG ("Solactive"). All information provided by Harbor Capital, including without limitation, any materials that describe any Index, is of general nature only. The indices, allocations, and data are subject to change.

It is not possible to invest in an Index directly. Exposure to an asset class or sector represented by an Index or an interest the Index seeks to measure may be available through a fund, investment vehicle or issue of securities (an "Investable Product") based on that Index. Harbor Capital does not sponsor, endorse, sell, promote, or manage, and has not reviewed or passed on the legality or suitability with respect to any person of, any Investable Product that is offered by third parties or any associated document, literature, or publication, including without limitation, any prospectus or offering memorandum. Harbor Capital makes no assurance that Investable Products based on any Index will accurately track Index performance or provide positive investment returns or not result in a loss of some or all of any investment in such Investable Products. Harbor Capital makes no representation regarding the advisability or suitability of investing in or assuming any risk in connection with any such Investable Products. The products and services mentioned herein solely in relation to the Indices may not be available in all jurisdictions. This document does not constitute an offer of services in jurisdictions or circumstances where Harbor Capital does not have the necessary or appropriate licenses or approvals for the offering of the products and services described herein.

No content contained in these materials (including Index data, ratings, credit-related analyses and data, model, software or any other application or output therefrom) or any part thereof ("Content") may be modified, reverse-engineered, reproduced, or distributed in any form by any means, or stored in a database or retrieval system, without the prior written permission of Harbor Capital.

Although Harbor Capital shall obtain information from sources that Harbor Capital considers reliable, none of the Harbor Capital, its subsidiaries, Solactive, or any other third party involved in, or related to, creating, calculating, publishing, or distributing the Content (collectively, the "Harbor Capital Parties") guarantees the accuracy and/or the completeness of any of the Content. There is no guarantee that any of the Indices will not deviate from its stated methodology.

THE CONTENT IS PROVIDED ON AN "AS IS" BASIS. HARBOR CAPITAL PARTIES DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES AND CONDITIONS, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANT ABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, FREEDOM FROM VIRUSES, BUGS, WORMS, OTHER HARMFUL COMPONENTS OR OTHER PROGRAM LIMITATIONS, SOFTWARE ERRORS OR DEFECTS, THAT THE CONTENT'S FUNCTIONING WILL BE UNITERRUPTED OR THAT THE CONTENT WILL OPERATE WITH ANY SOFTWARE OR HARDWARE CONFIGURATION. In no event shall Harbor Capital Parties be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special, or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the Index and/or Content even if advised of the possibility of such damages.

Any available Index returns are hypothetical and do not represent the results of actual trading of Investable Products, and, as such, do not represent actual past performance and are not intended to predict actual results, which may differ substantially from those reflected. Past performance is not necessarily indicative of future results.

The constituents of the Russell 2000® Index were used by Harbor Capital Advisors, Inc. or its affiliate as the starting universe for selection of the companies included in the Harbor AlphaEdge Small Cap Earners Index. Frank Russell Company ("FTSE Russell") does not in any way create, calculate, maintain, review, sponsor, support, promote or endorse the Harbor AlphaEdge Small Cap Earners Index. In no event shall any FTSE Russell party have any lability for any direct, indirect, special, incidental, punitive, consequential (including without limitation lost profits) or any other damages in connection with the constituents of the Harbor AlphaEdge Small Cap Earners Index.

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