Harbor Capital Advisors, Inc. ("Harbor"), the asset manager that curates a select suite of predominantly actively managed ETFs, mutual funds, and collective investment trusts, is proud to mark the three-year anniversary of the Harbor Human Capital Factor US Large Cap ETF (NYSE: “HAPI”), a pioneering strategy that invests in companies demonstrating strong human capital management.

Since its inception in 2022, HAPI has offered access to a portfolio of U.S. large-cap companies with strong and differentiated employer-employee relationships, seeking to provide investors a unique opportunity to capitalize on this underutilized yet critical, untapped source of equity performance.

HAPI is built on the premise that companies investing in their people outperform over time. The ETF tracks the Human Capital Factor Index, which ranks U.S. large-cap companies based on the Human Capital Factor® which seeks to identify and scores companies on their management of human capital based on proprietary data and research, creating a systematic link between human capital and potential equity performance. The U.S. large-cap companies are based on proprietary metrics assessing employee motivation, management, alignment, innovation, productivity, organizational health and more.

Over the past three years, HAPI has delivered competitive returns while aligning with growing investor demand for strategies that recognize the value and importance of strong human capital. The ETF has attracted attention from institutional and retail investors alike, with assets under management steadily increasing and performance metrics that underscore the value of its unique factor-based approach.

“We launched HAPI with a simple but powerful belief: that people, the workforces in a company, are the force behind that company. Three years in, we’ve seen that thesis validated. Companies that treat their employees as partners are consistently rewarded in the marketplace. HAPI is more than a ticker; it’s a philosophy about what drives long-term value,” said Kristof Gleich, President and CIO of Harbor Capital Advisors.

As Harbor continues to innovate in the ETF space, HAPI remains a cornerstone of its commitment to forward-thinking investment solutions that blend data science, behavioral insight, and long-term performance.

The Harbor Human Capital Factor U.S. Large Cap ETF Gross Expense Ratio is 0.35%

Performance data shown represents past performance and is no guarantee of future results. Past performance is net of management fees and expenses and reflects reinvested dividends and distributions. Past performance reflects the beneficial effect of any expense waivers or reimbursements, without which returns would have been lower. Investment returns and principal value will fluctuate and when redeemed may be worth more or less than their original cost. Returns for periods less than one year are not annualized. Current performance may be higher or lower and is available through the most recent month end at harborcapital.com or by calling 800-422-1050.

For more information about HAPI and Harbor’s suite of ETFs, visit harborcapital.com.

About Harbor Capital

Harbor Capital Advisors is an asset manager with AUM of $67.5* billion as of September 30, 2025, and is known for prudently curating innovative investment strategies from boutique managers from around the globe. Advisors looking for differentiated investment options for their clients’ portfolios often connect with our obsession to find what we believe are bold solutions that have the potential to produce compelling risk-adjusted returns. For more information, visit www.harborcapital.com.

*Harbor Group Trust assets included in total AUM are as of Aug. 31, 2025

The Human Capital Factor®, developed by Irrational Capital, seeks to identify and score companies on their management of human capital based on proprietary data and research, creating a systematic link between the workforce and potential equity performance.

Investors should carefully consider the investment objectives, risks, charges, and expenses of a Harbor fund before investing. To obtain a summary prospectus or prospectus for this and other information, visit harborcapital.com or call 800-422-1050. Read it carefully before investing.

All investments involve risk including the possible loss of principal.

Unlike mutual funds, ETFs may trade at a premium or discount to their net asset value.

Shares are bought and sold at market price not net asset value (NAV). Market price returns are based upon the closing composite market price and do not represent the returns you would receive if you traded shares at other times.

HAPI: There is no guarantee that the investment objective of the Fund will be achieved. Stock markets are volatile and equity values can decline significantly in response to adverse issuer, political, regulatory, market and economic conditions. The Fund may not exactly track the performance of the Index with perfect accuracy at all times. Tracking error may occur because of pricing differences, timing and costs incurred by the fund or during times of heightened market volatility. The Fund relies on the Index provider's methodology in assessing whether a company may be considered a corporate culture leader. There is no guarantee that the construction methodology will accurately assess a company to include or exclude it from the index which could have an adverse effect on the Fund's returns. The Fund's assets may be concentrated in a particular sector or industries to the extent the Index is concentrated and is subject to the risk that economic, political, or other market conditions that have a negative effect on that sector or industry will negatively impact the value of the Fund. The Harbor Human Capital Factor U.S, Large Cap ETF seeks to provide investment results that correspond, before fees and expenses, to the performance of The Human Capital Large Cap Index.

The Human Capital Factor Large Cap Index consists of a modified market-weighted portfolio of the equity securities of U.S. companies identified by Irrational Capital LLC (“Irrational Capital”) as those it believes to possess strong corporate culture based on its proprietary scoring methodology. Constituents eligible are chosen from Solactive GBS United States 500 Index (the “index universe”) at the time of Index reconstitution. The Solactive GBS United States 500 Index intends to track the performance of the largest 500 companies from the US stock market. The S&P 500 Index, or Standard & Poor's 500 Index, is a market-capitalization-weighted index of 500 leading publicly traded companies in the U.S. The indices listed are unmanaged and do not reflect fees and expenses and is not available for direct investment.

The views expressed herein may not be reflective of current opinions, are subject to change without prior notice, and should not be considered investment advice.

Diversification cannot assure a profit nor protect against a loss.

Foreside Fund Services, LLC is the Distributor of the Harbor ETFs.

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