Built for Retirement.

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 CIT 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 Harbor CIT 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.

There is no guarantee that the investment objective of the CIT will be achieved. Stock markets are volatile and equity values can decline significantly in response to adverse issuer, political, regulatory, market and economic conditions.

A Collective Investment Trust (“CIT”) is a pooled investment vehicle designed for exclusive use in certain qualified retirement plans, such as defined contribution, defined benefit, profit‑sharing, 401(a) and 457(b) plans. CIT expenses may be lower due to reduced compliance, operational, and marketing costs. Plan sponsors seeking mutual fund‑like characteristics with potentially lower expenses may consider a CIT.

Please note that this piece does not comply with all of the disclosure requirements for an ERISA “section 404(c) plan,” as described in the Department of Labor regulations under section 404(c), nor does it contain all of the disclosure required by Rule 404a‑5. Plan sponsors intending to comply with those regulations will need to provide the Plan participants with additional information. The information provided in this piece is provided for general information only and should not be construed as investment advice or a recommendation. Participants should consult their financial adviser to determine their investment risk and tolerance and evaluate if the CIT is suitable for their retirement needs.

Fixed income investments are affected by interest rate changes and the creditworthiness of the issues held by the Fund. As interest rates rise, the values of fixed income securities held by the Fund are likely to decrease and reduce the value of the Fund's portfolio.

Investing in international and emerging markets poses special risks, including potentially greater price volatility due to social, political and economic factors, as well as currency exchange rate fluctuations. These risks are more severe for securities of issuers in emerging market regions.