<SEC-DOCUMENT>0001140361-23-005460.txt : 20230209
<SEC-HEADER>0001140361-23-005460.hdr.sgml : 20230209
<ACCEPTANCE-DATETIME>20230209142545
ACCESSION NUMBER: 0001140361-23-005460
CONFORMED SUBMISSION TYPE: 497
PUBLIC DOCUMENT COUNT: 6
FILED AS OF DATE: 20230209
DATE AS OF CHANGE: 20230209
EFFECTIVENESS DATE: 20230209
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: AFL CIO HOUSING INVESTMENT TRUST
CENTRAL INDEX KEY: 0000225030
IRS NUMBER: 526220193
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 497
SEC ACT: 1933 Act
SEC FILE NUMBER: 333-59762
FILM NUMBER: 23605570
BUSINESS ADDRESS:
STREET 1: 1227 25TH STREET, NW
STREET 2: SUITE 500
CITY: WASHINGTON
STATE: DC
ZIP: 20037
BUSINESS PHONE: (202) 331-8055
MAIL ADDRESS:
STREET 1: 1227 25TH STREET, NW
STREET 2: SUITE 500
CITY: WASHINGTON
STATE: DC
ZIP: 20037
<SERIES-AND-CLASSES-CONTRACTS-DATA>
<EXISTING-SERIES-AND-CLASSES-CONTRACTS>
<SERIES>
<OWNER-CIK>0000225030
<SERIES-ID>S000009768
<SERIES-NAME>AFL CIO HOUSING INVESTMENT TRUST
<CLASS-CONTRACT>
<CLASS-CONTRACT-ID>C000026832
<CLASS-CONTRACT-NAME>AFL CIO HOUSING INVESTMENT TRUST
</CLASS-CONTRACT>
</SERIES>
</EXISTING-SERIES-AND-CLASSES-CONTRACTS>
</SERIES-AND-CLASSES-CONTRACTS-DATA>
</SEC-HEADER>
<DOCUMENT>
<TYPE>497
<SEQUENCE>1
<FILENAME>brhc10047915_497.htm
<DESCRIPTION>497
<TEXT>
<html>
<head>
<title></title>
<!-- Licensed to: Broadridge
Document created using Broadridge PROfile 23.1.2.5118
Copyright 1995 - 2023 Broadridge -->
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<div style="font-weight: bold;">Performance</div>
<div> </div>
<div>The performance data provided represents past performance. Past performance is no guarantee of future results. Economic and market conditions change, and both will cause investment return, principal value and yield to fluctuate so that a
Participant's units when redeemed may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted. Gross performance figures do not reflect the deduction of HIT expenses. Net
performance figures reflect the deduction of HIT expenses and are the performance figures investors experience in the HIT. Information about HIT expenses can be found on page 1 of the HIT’s current prospectus. The HIT is internally managed and
participants pay only for the actual expenses of operating the HIT. The Bloomberg U.S. Aggregate Bond Index (“Bloomberg Aggregate”) reflects no deductions for expenses and is not available for direct investment. Investors should consider the HIT's
investment objectives, risks and expenses carefully before investing. A Prospectus containing more complete information may be obtained from the HIT by calling the Marketing Department at 202-331-8055, or by viewing the above-referenced link. The
prospectus should be reviewed carefully before investing.  The AAA Index represents the AAA Component of the Bloomberg U.S. Aggregate Bond Index.</div>
<div> </div>
<div style="font-weight: bold;">ANNUALIZED RETURNS</div>
<div style="font-style: italic;">As of January 31, 2023</div>
<div><br>
</div>
<div style="text-align: center;"><img width="655" height="296" src="image0.jpg"></div>
<div> </div>
<div style="color: #000000; font-size: 12pt;"><br>
<font style="font-size: 10pt; font-style: italic;"></font></div>
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<div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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<hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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<div>
<div style="color: #000000; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ROLLING RETURNS </font><font style="font-size: 10pt; font-style: italic;">As of January 31, 2023</font></div>
<div style="color: #000000; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;"> <br>
</font></div>
The graph below shows the comparative rolling annual returns of the HIT and Bloomberg Aggregate, demonstrating the strong correlation. </div>
<div> </div>
<div style="text-align: center;"><img width="654" height="308" src="image1.jpg"></div>
<div> </div>
<div style="color: #000000; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">COMPARISON OF A $50,000 INVESTMENT </font><font style="font-size: 10pt; font-style: italic;">For Periods Ending January 31</font></div>
<div> </div>
<div style="text-align: center;"><img width="655" height="299" src="image2.jpg"></div>
<div> </div>
<div>This chart shows the competitive value growth of $50,000 invested in the Trust (minimum initial investment) and its benchmark (theoretical values) over the course of ten years, assuming the reinvestment of all distributions.</div>
<div> </div>
<div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
<div class="BRPFPageBreak" style="page-break-after: always;">
<hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
</div>
<div style="color: #000000; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NET ASSETS </font><font style="font-size: 10pt; font-style: italic;">For Periods Ending January 31 (Dollars in Billions)</font></div>
<div> </div>
<div style="text-align: center;"><img width="654" height="273" src="image3.jpg"></div>
<div> </div>
<div>The net asset value of the Trust as of January 31, 2023 was $6,200,056,155.</div>
<div> </div>
<div>The graph above depicts the growth of Trust assets. Asset growth of the Trust has several components, including portfolio performance (primarily interest income on investments less the expenses of the Trust), capital gains and losses, and
inflows of new capital less redemptions.</div>
<div> </div>
<div>The Trust’s income less operating expenses is distributed monthly to Participants. Year to date, participants choose to automatically reinvest approximately 93% of distributions.</div>
<div> </div>
<div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
<div class="BRPFPageBreak" style="page-break-after: always;">
<hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
</div>
<div style="font-weight: bold;">Portfolio</div>
<div> </div>
<div style="color: #000000; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">SECTOR ALLOCATION </font><font style="font-size: 10pt; font-style: italic;">As of January 31, 2023</font></div>
<div> </div>
<div style="text-align: center;"><img width="662" height="449" src="image4.jpg"></div>
<div> </div>
<div>^ Chart based on value of total investments and includes unfunded commitments but does not include U.S. treasury futures contracts.</div>
<div> </div>
<table cellspacing="0" cellpadding="0" id="zff03e60c595c40baaf6a0cd9eb97edf4" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>Multifamily Construction Mortgage-Backed Securities: The Trust invests in fixed-income securities that finance the construction of multifamily properties. These securities generally have credit enhancements from FHA, Ginnie Mae (GNMA),
or a letter of credit or repurchase guarantee from an entity rated “A” or better. These securities generally fund over 12-24 months and upon completion of construction, a permanent security is issued. These securities typically generate
yields above U.S. Treasury investments with comparable average lives and generally have significant prepayment protections.</div>
</td>
</tr>
</table>
<div> </div>
<table cellspacing="0" cellpadding="0" id="zfb9a1c6cc5c44d89a350df7f31e8f9e3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>Multifamily Permanent Mortgage-Backed Securities: The Trust invests in securities that are either backed by permanent loans for multifamily properties or by loans for existing single family homes. These FHA, GNMA, Fannie Mae, or Freddie
Mac credit enhanced investments typically generate yield spreads above U.S. Treasury investments with comparable average lives. Additionally, multifamily mortgage-backed securities generally have significant prepayment protections.</div>
</td>
</tr>
</table>
<div> </div>
<div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
<div class="BRPFPageBreak" style="page-break-after: always;">
<hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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<table cellspacing="0" cellpadding="0" id="z540eb383a76b402b8ca2477544b2b1ba" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>State Housing Finance Agency Securities: The Trust may invest in securities that are backed by construction and/or permanent loans for multifamily properties having evidence of support by a state or local government and that, among other
things, are guaranteed or insured by a state or local housing finance agency (“A” rated or better or top tier by Standard and Poor’s); are secured by recourse to such assets of the Housing Finance Agency as to provide protection comparable
to a pledge of the agency’s general credit; or satisfy other indicia of credit quality set out in the Declaration of Trust. </div>
</td>
</tr>
</table>
<div> </div>
<table cellspacing="0" cellpadding="0" id="zc296cb89d71845b4ac588c5ed35f9584" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>Single Family Mortgage-Backed Securities: The Trust invests in securities that pool individual mortgages from single family homes. The interest and principal cash flows are passed through to the investor of the MBS net of any servicing
fees. These Fannie Mae, GNMA, or Freddie Mac credit enhanced investments typically generate yield spreads above U.S. Treasury bonds. There is no prepayment protection on these securities meaning payments could be more than the scheduled
amount.</div>
</td>
</tr>
</table>
<div> </div>
<table cellspacing="0" cellpadding="0" id="z20da8130bfc94322b957b5efa72dc58f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>Construction and Permanent Mortgages: The Trust invests in loans used to finance the purchase, refinance or construction of a property.</div>
</td>
</tr>
</table>
<div> </div>
<div style="color: #000000; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">CREDIT COMPARISON </font><font style="font-size: 10pt; font-style: italic;">As of January 31, 2023</font></div>
<div> </div>
<table cellspacing="0" cellpadding="0" border="0" id="zd770d5b2a0e945e1805bbb86b36e7f3a" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);"> </div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">HIT</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Bloomberg Aggregate*</div>
</td>
</tr>
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">U.S. Government or Agency</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">85.22%</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">70.16%</div>
</td>
</tr>
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">AAA</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">2.57%</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">2.80%</div>
</td>
</tr>
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">AA</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">5.37%</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">3.15%</div>
</td>
</tr>
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">A</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">0.00%</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">11.16%</div>
</td>
</tr>
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">BBB</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">0.00%</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">12.73%</div>
</td>
</tr>
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">Not Rated</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">5.58%</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">0.00%</div>
</td>
</tr>
<tr>
<td nowrap="nowrap" style="width: 70%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
<div style="color: rgb(0, 0, 0);">Cash</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
<div style="text-align: center; color: rgb(0, 0, 0);">1.26%</div>
</td>
<td nowrap="nowrap" style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
<div style="text-align: center; color: rgb(0, 0, 0);">0.00%</div>
</td>
</tr>
</table>
<div><br>
</div>
<div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
<div class="BRPFPageBreak" style="page-break-after: always;">
<hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
</div>
<div style="color: #000000; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">RISK COMPARISON </font><font style="font-size: 10pt; font-style: italic;">As of January 31, 2023</font></div>
<div> </div>
<table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zce825006efb4407a907a7f0a70c983b4" class="cfttable">
<tr>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);"> </div>
</td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
<div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"> HIT</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
<div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Bloomberg Aggregate*</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0); font-weight: bold;"> </div>
</td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
<div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"> HIT</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
<div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Bloomberg Aggregate*</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;">
<div style="color: rgb(0, 0, 0); font-weight: bold;">Credit Profile</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="2"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="2"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="2"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="2"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">U.S. Government/Agency/AAA/Cash</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">89.05%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">72.96%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">A & Below/Not Rated</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">5.58%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">23.89%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%;">
<div style="color: rgb(0, 0, 0); font-weight: bold;">Yield</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; text-align: center;"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">Current Yield</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">3.49%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">2.98%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">Yield to Worst</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">4.95%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">4.29%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%;">
<div style="color: rgb(0, 0, 0); font-weight: bold;">Interest Rate Risk</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; text-align: center;"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="color: rgb(0, 0, 0);">Effective Duration</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">6.01</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">6.25</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
<div style="text-align: center; color: rgb(0, 0, 0);">Convexity</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">0.24</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">0.29</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%;">
<div style="color: rgb(0, 0, 0); font-weight: bold;">Call Risk</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; text-align: center;"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> <br>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: center; width: 9%;" colspan="1" class="cftnumcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell"> </td>
</tr>
<tr>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: #CCEEFF;">
<div style="color: rgb(0, 0, 0);">Prepayment Protection</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">75%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">72%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 26%; background-color: #CCEEFF;">
<div style="text-align: center; color: rgb(0, 0, 0);">Not Call Protected</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">25%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell"> </td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
<div style="color: rgb(0, 0, 0); text-align: center;">28%</div>
</td>
<td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell"> </td>
</tr>
</table>
<div><br>
</div>
<div>The calculations of the HIT yield herein represent widely accepted portfolio characteristics information based on coupon rate, current price and, for yield to worst, certain prepayment assumptions, and are not current yield or other performance
data as defined by the SEC in Rule 482.</div>
<div> </div>
<div>The HIT’s long-standing investment strategy is to construct a portfolio with similar interest rate risk relative to its benchmark, the Bloomberg Aggregate, by actively managing duration while maintaining superior credit quality and a higher
relative yield.  </div>
<div> </div>
<table cellspacing="0" cellpadding="0" id="z076889d398214cd48567388bec4dd18c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>The HIT does not invest in corporate bonds or low credit quality securities.</div>
</td>
</tr>
</table>
<table cellspacing="0" cellpadding="0" id="z85c329347fcc4492ae7d8c86f068830d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>HIT uses government/agency-insured multifamily MBS as a substitute for corporate debt and some Treasury and agency securities in the benchmark.</div>
</td>
</tr>
</table>
<table cellspacing="0" cellpadding="0" id="zd41ce090e09d417197945365ae153566" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>These multifamily MBS have superior credit quality relative to corporate debt, but typically have similar call protection.</div>
</td>
</tr>
</table>
<table cellspacing="0" cellpadding="0" id="z551159a41c82412d9368004bdaffb0aa" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>The HIT’s yield measures have been consistently higher than the benchmark’s.</div>
</td>
</tr>
</table>
<table cellspacing="0" cellpadding="0" id="z9355c4776435413e91bbf53aead1d40b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">
<tr>
<td style="width: 0pt;"><br>
</td>
<td style="width: 18pt; vertical-align: top;">•</td>
<td style="width: auto; vertical-align: top;">
<div>Although historical month-over-month returns comparing the HIT to the Bloomberg Aggregate show significant correlation, with approximately 98% correlation for the five-year period ending January 31, 2023, the HIT’s very different
composition can provide diversification benefits from other fixed-income investments and riskier assets such as equities.</div>
</td>
</tr>
</table>
<div> </div>
<div>The table above compares the HIT’s portfolio risk measures to those of the Bloomberg Aggregate.</div>
<div> </div>
<div>*Source: Bloomberg Index Services Limited. BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively “Bloomberg”). Bloomberg or Bloomberg’s licensors own all proprietary rights in the Bloomberg
Indices. Bloomberg does not approve or endorse this material or guarantee the accuracy or completeness of any information herein, nor does Bloomberg make any warranty, express or implied, as to the results to be obtained therefrom, and, to the
maximum extent allowed by law, Bloomberg shall not have any liability or responsibility for injury or damages arising in connection therewith.</div>
<div> </div>
<div> <br>
</div>
<div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>