Please read the Additional Fund Information and Principal Risk Definitions in conjunction with each fact sheet as it includes supplemental information about the risks of investing.

View our Collective Fund annual reports for the most recent annual financial statements and independent auditor’s report.

Please contact CS Fund Accounting with any questions.

Wilmington Trust, N.A. Collective Investment Funds (“WTNA Funds”) are bank collective investment funds; they are not mutual funds. Wilmington Trust, N.A. serves as the Trustee of the WTNA Funds and maintains ultimate fiduciary authority over the management of, and investments made in, the WTNA Funds. The WTNA Funds and their units are exempt from registration under the Investment Company Act of 1940 and the Securities Act of 1933, respectively. Investments in the WTNA Funds are not deposits or obligations of, are not insured or guaranteed by Wilmington Trust, M&T Bank, any other bank, the FDIC, the Federal Reserve, or any other governmental agency. The WTNA Funds are commingled investment vehicles, and as such, the values of the underlying investments will rise and fall according to market activity; it is possible to lose money by investing in the WTNA Funds.

Participation in Collective Investment Trust Funds is limited primarily to qualified defined contribution plans and certain state or local government plans and is not available to IRAs, health and welfare plans and, in certain cases, Keogh (H.R. 10) plans. Collective Investment Trust Funds may be suitable investments for participants seeking to construct a well-diversified retirement savings program. Investors should consider the investment objectives, risks, charges and expenses of any pooled investment company carefully before investing.

Performance data shown represents past performance and should not be considered indicative or, or a guarantee of future results. Current performance may be lower or higher than that shown. Investment return and principal value will fluctuate.  Your investment, when redeemed, may be worth more or less than the original cost. Any fee waivers result in higher performance than what would have otherwise been realized.

Performance return figures represent the total change in net assets with capital gains and income dividends reinvested. Performance information is presented net of any applicable trustee fees, management fees, contract fees, or other fees or expenses which are borne by the Fund.

Gross performance returns (where provided) usually will reflect the deduction of transaction costs, but not advisory fees or all other expenses an investor in the WTNA Fund bears.  Accordingly, gross performance will be higher than net performance results, and the effect of additional fees and expenses borne by the investor will compound over time.

WTNA Fund performance may be accompanied by performance of a published index selected based on the WTNA Fund strategy in an effort to compare the performance of a market of securities commonly seen as eligible for that strategy. Indices are unmanaged and not available for direct investment. Indices do not reflect expenses that are borne by an investor in a WTNA Fund, such as management fees and transaction costs, which reduce returns.  Please consult the index provider for a description of the index.

Before investing you should read the Trust agreement and participation materials as well as the Fact Sheets and the Additional Fund Information and Principal Risk Definitions available at www.wilmingtontrust.com/PrincipalRiskDefinitions.