CITs | Overview

Harbor Capital Appreciation CIT, subadvised by Jennison Associates and Harbor International Compounders CIT, subadvised by C WorldWide Asset Management, are available.

For more information, call 866-313-5549.

Harbor Trust Company, Inc. (“Harbor Trust Company”) has established the Harbor Collective Investment Trust (the “Harbor CIT”) pursuant to a Declaration of Trust and the Harbor Capital Appreciation CIT and Harbor International Compounders CIT (the “CITs”), collective investment funds of the Harbor CIT, 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”), an affiliate of Harbor Trust Company, serves as investment adviser. Jennison Associates LLC serves as subadvisor with respect to the Harbor Capital Appreciation CIT and C WorldWide Asset Management Fondsmaeglerselskab A/S serves as subadvisor with respect to the Harbor International Compounders CIT, subject to Harbor Trust Company’s oversight.

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.

3880593