Questions & Answers

COLOTRUST does not limit the number of subaccounts a Participant can have.

To invest in or redeem from the COLOTRUST Prime and PLUS+ Funds and the COLOTRUST EDGE Fund, Participants must enter their orders through the Online Transaction Portal.

Transactions (withdrawals, contributions, transfers) must be submitted by 11:00 a.m. MT for same-day processing.

Wires are sent every hour with the final distribution taking place shortly after the close of the fund at 11:00 a.m. MT; distribution times are subject to change as needed by the COLOTRUST Administrator.

COLOTRUST PRIME and PLUS+ next-day ACH requests must be received by 11:00 a.m. MT (24 hours in advance).

Wires are funds transferred via the Federal Reserve Wire System and can be processed and received by your beneficiary bank on the same day if the transaction is requested prior to the 11:00 a.m. MT cut-off. ACHs (Automated Clearing House) are processed overnight and are generally available to the beneficiary bank one business day after the transaction request has been made.

Many banking institutions have separate ABA/Routing Numbers depending on whether the transactions are being processed via wire or ACH. Please contact your local banking representative to ensure that you are providing COLOTRUST Client Services with the appropriate account information. The instructions to send money into COLOTRUST can be found in the online transaction portal.

Please go to the Documents Section of the COLOTRUST Online Transaction Portal and click on Forms in the lefthand menu to view the Deposit Instructions. Please note, you will need to initiate the wire with your bank. COLOTRUST must receive the wire by 3:00 p.m. MT.

Please navigate to the Administration menu to make changes to your Authorized Banks. Please refer to the User Guide available in the Forms menu for further instructions.

Once logged in to the COLOTRUST Online Transaction Portal, Participants can update their contact information and notification preferences by navigating to the to the Administration menu then choosing My Info.

Please navigate to the Administration menu to make changes to your Authorized Contacts. Please refer to the User Guide available in the Forms menu for further instructions.

The Designee is the legal representative that acts for and on behalf of each Participant. For example, a key function of the Designee is to vote annually for the COLOTRUST Board of Trustees. Alternate Designees are the representatives that act on behalf of each Participant, in the absence of the Designee.

The COLOTRUST Transaction Portal is a secure, Internet-based transaction system that allows registered COLOTRUST Participants to self-manage their COLOTRUST accounts. The portal is available 24/7, 365 days a year

The COLOTRUST Online Transaction Portal allows Participants to make contributions, withdrawals, and transfers between subaccounts; Participants may also transfer funds to other COLOTRUST Participants. Users can take advantage of the ability to request transactions up to one year in advance. The portal also allows for dual approval of transactions for those who have submitted the Dual Authorization Form.

Reporting features available in the COLOTRUST Online Transaction Portal include access to monthly statements, transaction confirmations, and details highlighting past, present, and future-dated transactions. It is also possible to run on-demand reports for custom time frames and download the monthly holdings reports.

You will receive an email notification of the availability of your monthly comprehensive statement. To download your COLOTRUST statement, please go to the Documents Section of the COLOTRUST Online Transaction Portal and click on Statements/Transaction Confirmations.

All Participants will receive login credentials upon the establishment of their account via email. If you do not currently have online credentials, please reach out to Client Services at (877) 311-0219 or email clientservices@colotrust.com

Login credentials will be distributed once a user is added to an account.

Once logged in, Participants can update their password by selecting the Administration menu then choosing My Info.

No; for your security, everyone will be required to have their own online user account that is tied to a unique email address. We do not allow multiple contacts to use the same email address.

Participants can update their phone number by selecting the Administration menu, then choosing My Info.

1. Safety of principal
   • Safety of principal is the foremost objective of the investment program. Investments are undertaken in a manner that prioritizes the preservation of capital.
   • To maintain the highest rating for the COLOTRUST Prime and PLUS+ Funds from a nationally recognized statistical rating organization.
2. Liquidity of funds
   • Portfolios are managed to remain sufficiently liquid to help Participants meet cash flow needs that might be reasonably anticipated.
3. Yield
   • Portfolios are designed with the goal of generating a competitive rate of return without undue compromise of the safety and liquidity objectives.
4. Transparency
   • Portfolios are operationally enabled to allow Participants to readily obtain portfolio and account information via an easy-to-use technology platform.

The COLOTRUST Prime and PLUS+ Funds are rated ‘AAAm’ by S&P Global Ratings Services, the highest rating assigned to principal stability government investment pools.

A ‘AAAm’ rating by S&P Global Ratings is obtained after S&P evaluates a number of factors including credit quality, market price exposure, and management. Ratings are subject to change and do not remove credit risk.

The COLOTRUST Prime and PLUS+ Funds invest solely in securities that are permitted pursuant to Colorado Revised Statutes and adhere to the COLOTRUST Investment Policy.

Investing involves risks including the possible loss of principal. The investment decisions made by the COLOTRUST Prime and PLUS+ Funds are subject to certain risks and such decisions may not always be profitable. the COLOTRUST Prime and PLUS+ Funds do not guarantee returns or performance against stated benchmarks. Past performance is not a guarantee of future results. Many factors affect performance including changes in market conditions and interest rates and in response to other economic, political, or financial developments. The following is a summary of common risks associated with investing in products like the COLOTRUST Prime and PLUS+ Funds.

Interest Rate Risk

The prices of the fixed-income securities in the COLOTRUST Prime and PLUS+ Funds will rise and fall in response to changes in the interest rates paid by similar securities. Generally, when interest rates rise, prices of fixed-income securities fall. However, market factors, such as demand for particular fixed-income securities, may cause the price of certain fixed-income securities to fall while the price of other securities rise or remain unchanged. Interest rate changes have a greater effect on the price of fixed-income securities with longer maturities. The Investment Advisor will seek to manage this risk by purchasing short-term securities.

Credit Risk

Credit risk is the possibility that an issuer of a fixed-income security held in the the COLOTRUST Prime and PLUS+ Funds will default on the security by failing to pay interest or principal when due. If an issuer defaults, Participants in the COLOTRUST Prime and PLUS+ Funds may incur losses. The Investment Advisor will seek to manage this risk by purchasing high quality securities as determined by one or more Nationally Recognized Statistical Ratings Organizations and/or the Investment Advisor’s credit research team.

Stable Net Asset Value (NAV) Risk

Although the COLOTRUST Prime and PLUS+ Funds are managed to maintain a stable NAV of $1.00 per Share, there is no guarantee that it will be able to do so.

Investment Not Insured or Guaranteed Risk

An investment in the COLOTRUST Prime and PLUS+ Funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Liquidity Risk

The COLOTRUST Prime and PLUS+ Funds are subject to certain liquidity risks in which the size of a bond’s market, the frequency of trades, the ease of valuation, and/or issue size may impact the Investment Advisor’s ability to sell investments in a timely fashion or at or near fair value in order to fulfill a Participant’s redemption request.

Market Risk

Market risk is the risk that the value of securities owned goes up or down, sometimes rapidly and/or unpredictably, due to factors affecting securities markets generally or within particular industries.

Issuer Risk

The risk that the value of a security declines for a reason directly related to the issuer such as management performance, financial leverage, and reduced demand for the issuer’s goods or services.

Default Risk

The risk that a bond issuer (or counterparty) will default by failing to repay principal and interest in a timely manner.

The COLOTRUST EDGE Fund is designed to complement the COLOTRUST Prime and PLUS+ Funds for Colorado local governments. The general objective of the COLOTRUST EDGE Fund is to seek to generate a higher level of income for Participants while preserving capital by investing in only the highest quality securities that are legal pursuant to the Legal Investments Act (Part 6, Article 75, Title 24, C.R.S.) and the Public Deposit Protection Act (Articles 10.5 and 47 of Title 11, C.R.S.) and the COLOTRUST EDGE Investment Policy. The COLOTRUST EDGE Fund offers longer-dated, fixed-income investments seeking to enhance returns while providing next-day liquidity to its participants.

Current COLOTRUST Participants simply need to complete the EDGE Registration Form to begin investing.

New local governments looking to invest in any of the COLOTRUST portfolios will first need to pass a resolution authorizing participation in COLOTRUST; a model resolution is provided for your convenience in the COLOTRUST Registration Packet.

For more information, please contact the COLOTRUST Relationship Team to get started.

The COLOTRUST EDGE Fund offers next-day liquidity and is best suited for funds not needed on a frequent or near-term basis. The COLOTRUST EDGE Fund is designed for investors with slightly longer investment horizons and the ability to tolerate a higher risk profile.

No, the COLOTRUST EDGE Fund is designed as a variable NAV fund that is calculated and published as a fair value NAV on a daily basis. The COLOTRUST EDGE portfolio has designated a $10.00 transactional share price in order to clearly differentiate the portfolio from a traditional $1.00 stable NAV fund.

All investments made on behalf of the COLOTRUST EDGE Fund are in compliance with the Legal Investments Act (Part 6, Article 75, Title 24, C.R.S.) and the COLOTRUST EDGE Investment Policy. For a complete list of eligible investments for COLOTRUST EDGE, please contact the COLOTRUST Relationship Team.

Yes, the COLOTRUST EDGE portfolio is rated ‘AAAf/S1’ by FitchRatings.

The ‘AAAf’ rating is Fitch’s opinion on the overall credit profile within a fixed-income fund/portfolio and indicates the highest underlying credit quality of the pool’s investments. The ‘S1’ volatility rating is Fitch’s opinion on the relative sensitivity of a portfolio’s total return and/or net asset value to assumed changes in credit spreads and interest rates. The ‘S1’ volatility rating indicates that the fund possesses a low sensitivity to market risks. For a full description on rating methodology, please visit www.fitchratings.com. Ratings are subject to change and do not remove credit risk.

Yes, you will see your COLOTRUST EDGE account alongside your COLOTRUST PRIME and PLUS+ accounts (as applicable). You may also view any reports, such as monthly statements, that are associated with your COLOTRUST EDGE Fund account in the Documents section by clicking on Statements/Transaction Confirmations.

Yes; below please find our recommended language that you can customize to meet your specific reporting requirements and period. You can find the EDGE WAM and WAL for your specific reporting date on the Yields page.

“COLOTRUST EDGE is a variable net asset value (NAV) local government investment pool that offers next-day liquidity to Participants. EDGE is suitable for a local government’s strategic reserves/non-operating funds and has a NAV that is managed to approximate a $10.00 transactional share price. COLOTRUST EDGE measures its investments at fair value so investments in EDGE are not required to be categorized within the fair value hierarchy. EDGE is rated ‘AAAf/S1’ by FitchRatings. As of DATE, COLOTRUST EDGE possessed a weighted average maturity of XXX days and a weighted average life of XXX days.”

If you need additional assistance or have further questions about this language, please contact the COLOTRUST Client Service team.

Investing involves risks including the possible loss of principal. The investment decisions made by the COLOTRUST EDGE Fund are subject to certain risks and such decisions may not always be profitable. The COLOTRUST EDGE Fund does not guarantee returns or performance against stated benchmarks. Past performance is not a guarantee of future results. Many factors affect performance including changes in market conditions and interest rates and in response to other economic, political, or financial developments. The following is a summary of common risks associated with investing in a product like the COLOTRUST EDGE Fund.

Interest Rate Risk

The prices of the fixed-income securities in the COLOTRUST EDGE Fund will rise and fall in response to changes in the interest rates paid by similar securities. Generally, when interest rates rise, prices of fixed-income securities fall. However, market factors, such as demand for particular fixed-income securities, may cause the price of certain fixed-income securities to fall while the price of other securities rise or remain unchanged. Interest rate changes have a greater effect on the price of fixed-income securities with longer maturities. The Investment Advisor will seek to manage this risk by purchasing short-term securities.

Credit Risk

Credit risk is the possibility that an issuer of a fixed-income security held in the COLOTRUST EDGE Fund will default on the security by failing to pay interest or principal when due. If an issuer defaults, Participants in the COLOTRUST EDGE Fund may incur losses. The Investment Advisor will seek to manage this risk by purchasing high-quality securities as determined by one or more Nationally Recognized Statistical Ratings Organizations and/or the Investment Advisor’s credit research team.

Fluctuating Net Asset Value (NAV) Risk

Because the share price of a variable net asset value fund will fluctuate, when you sell your shares, they may be worth more or less than what you originally paid for them.

Investment Not Insured or Guaranteed Risk

An investment in the COLOTRUST EDGE Fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Liquidity Risk

The COLOTRUST EDGE Fund is subject to certain liquidity risks in which the size of a bond’s market, the frequency of trades, the ease of valuation, and/or issue size may impact the Investment Advisor’s ability to sell investments in a timely fashion or at or near fair value in order to fulfill a Participant’s redemption request.

Market Risk

Market risk is the risk that the value of securities owned goes up or down, sometimes rapidly and/or unpredictably, due to factors affecting securities markets generally or within particular industries.

Issuer Risk

The risk that the value of a security declines for a reason directly related to the issuer such as management performance, financial leverage, and reduced demand for the issuer’s goods or services.

Default Risk

The risk that a bond issuer (or counterparty) will default by failing to repay principal and interest in a timely manner.