Whether you are opening an account for yourself, an IRA, or a college savings account, getting started with MTB Funds is easy. Just follow this simple guide.

1. Contact your financial advisor. A financial advisor will review your goals, risk tolerance and financial situation in order to recommend a type of account and investment designed to suit 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) transfer.
   • Details on how to redeem your shares 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 aware of.
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 reducing the average cost you pay per share.*

The MTB Funds give you three ways to maximize your dollar-cost averaging opportunities:

Systematic Investment Plan

Systematic Transfer Exchange Plan

Dividend Reinvestment Plan - Redirect

*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 purchases during periods of low price levels.