The table below includes estimated year-end distributions for Harbor Dividend Growth Leaders ETF (GDIV). During May 2022 the Westfield Capital Dividend Growth Fund was reorganized into the Harbor Dividend Growth Leaders ETF.  More information on the reorganization can be found in the prospectus.

Due to the structure of the reorganization, GDIV’s annual income and capital gain distribution will include any income (incurred for the calendar year) and realized capital gains (incurred for the fiscal year), including such amounts which occurred prior to the reorganization. The estimate in the table below is provided to assist shareholders in year-end tax and investment planning. Actual distributions may vary, in some cases materially, from the estimates provided. For example, certain estimates and assumptions have been made about income, net realized gains, portfolio turnover and the number of shares outstanding to estimate the required distributions. Actual income and gains may be higher or lower than the estimated amounts, and the number of shares outstanding may also fluctuate materially between the date the estimates were made and the record date of the distribution. These estimates, assumptions and fluctuations could result in a higher or lower distribution than is included in this estimate. In addition, please note that an updated estimate is expected to be released with the distribution estimates for all funds on or before October 31, 2022.

The distributions for 2022 will be paid on December 27, 2022. Important year-end distribution dates are as follows:

Ex-Dividend Date: December 21, 2022

Record Date: December 22, 2022

Payable Date: December 27, 2022

Please refer to the Prospectus, or the Tax Center for general tax information about Harbor ETFs. The information in the table below should not be construed as specific tax, legal or investment advice. If you have questions, please consult with your tax adviser to determine the appropriate use of this information for your tax situation. In addition, please note that an updated estimate is expected to be released with the distribution estimates for all funds on or before October 31, 2022.

* Short-Term Capital Gains are considered ordinary income for tax purposes.

**The Net Asset Value Per Share is as of October 14, 2022.

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