How to Invest in MTB Funds

How to Invest with the MTB Funds

1.	Contact your financial adviser. A financial adviser will review your goals, risk tolerance and financial situation in order to recommend an investment that suits your individual needs.
2.	Read the fund prospectus carefully. The prospectus contains: Information about fund objectives and strategies, settlement time and applicable sales charges, by fund and share class. Payment methods include personal check, federal funds wire or Automated Clearing House (ACH). Details on how to redeem or execute exchanges between MTB Funds of the same share class and load structure. Please note that the prospectus states special terms and conditions (including their exceptions) for redemption and exchanges that you should be cognizant of. Share Certificates are not issued for loan collateral purposes.
3.	Choose your method of investing. Lump Sum. You may choose to invest the entire amount at one time. This method allows your entire investment to begin working for you immediately. Or, you may want to combine a lump sum investment with a systematic investment strategy. Systematic Investing. For convenience, you may consider establishing a systematic investment plan. One of the easiest and surest ways to get started is to invest a set amount on a regular basis and take advantage of a simple concept called dollar-cost averaging. This puts market fluctuations to work for you by buying more shares when the price is lower, and fewer shares when the price is higher, thereby lowering the average cost you pay per share.*

* Systematic investing does not assure a profit or protect against loss in declining markets. Because dollar-cost averaging involves continuous investment regardless of fluctuating price levels, investors should consider their financial ability to continue making purchases during periods of low price levels.

MTB Investment Advisors, Inc., a subsidiary of Manufacturers and Traders Trust Company ("M&T Bank"), is the investment advisor to the MTB Group of Funds.

The MTB Group of Funds are available from M&T Securities, Inc. (member FINRA/SIPC), a broker-dealer subsidiary of M&T Bank, and other authorized broker-dealers. ALPS Distributors, Inc., which is not affiliated with M&T Bank, is the distributor of the MTB Group of Funds.

For more complete information, please download the funds' prospectuses available on this website or call 1-800-836-2211 for copies. You should consider the funds' investment objectives, risks, charges and expenses carefully before you invest. Information about these and other important subjects are in the fund's prospectus, which you should read carefully before investing.