Notice -- Wrapping up 2016: IRAs and Taxes...

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There's Still Time to Contribute to Your 2016 IRA

You still have time to contribute to your IRA for 2016. You have until tax day, which the IRS has extended until April 18th, to make contributions to your IRA for the 2016 tax year. To learn more about your IRA options -- including the differences between a Traditional IRA and a Roth IRA, and who qualifies for them -- visit the Harbor Retirement Center. Or, to make an IRA contribution right now, just log into your account.

Tax Statements Available

Harbor Funds will soon begin distributing the 2016 tax forms to our shareholders.  Once they have been distributed, you will be able to access them online by logging into your account.  For a complete tax form schedule, as well as more detailed tax information about Harbor's funds, visit the Harbor Tax Center.

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Harbor News

2016 Year-End Distributions
Harbor Funds 2016 Tax Year Schedule
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Portfolio Manager Added for Harbor Diversified International All Cap Fund

The percentage of the Fund's total assets invested in securities that can be converted into cash within one business day. Regulations require that a money market mutual fund hold at least 10% of its total assets in daily liquid assets.

The percentage of the Fund's total assets invested in securities that can be converted into cash within five business days.  Regulations require that a money market mutual fund hold at least 30% of its total assets in weekly liquid assets.

Contractual management fee waiver and a contractual expense limitation, excluding interest expense, if any, until February 28, 2017.

Interest expense for the fiscal year ended October 31, 2015 was 0.01%.

Based on estimated amounts for the current fiscal year, restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.95%, 1.20%, 1.32% and 0.90% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.95%, 1.20%, 1.32% and 0.90% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 1.15%, 1.40%, 1.52% and 1.10% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.90%, 1.15%, 1.27% and 0.85% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.90%, 1.15%, 1.27% and 0.85% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.85%, 1.10%, 1.22% and 0.80% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.85%, 1.10%, 1.22% and 0.80% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Based on estimated amounts for the current fiscal year, restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.85%, 1.10%, 1.22% and 0.80% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to reduce the management fee to 0.70% on assets over $500 million through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

The Adviser has contractually agreed to reduce the management fee to 0.70% on assets over $500 million through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.68%, 0.93%, 1.05% and 0.63% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.68%, 0.93%, 1.05% and 0.63% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to reduce the management fee to 0.60% through February 28, 2017. Additionally, the Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.80% and 1.05% for the Institutional Class and Administrative Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate these agreements.

Restated to reflect current fees.

The Adviser has contractually agreed to reduce the management fee to 0.60% through February 28, 2017. Additionally, the Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.80% and 1.05% for the Institutional Class and Administrative Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate these agreements.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.94% and 1.19% for the Institutional Class and Administrative Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.85%, 1.10%, 1.22% and 0.80% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Based on estimated amounts for the current fiscal year, restated to reflect current fees.

Contractual expense limitation, excluding interest expense, if any, until February 28, 2017.

Based on estimated amounts for the current fiscal year, restated to reflect current fees.

Contractual expense limitation, excluding interest expense, if any, until February 28, 2017.

Interest expense for the fiscal year ended October 31, 2015 was 0.10%.

Contractual expense limitation, excluding interest expense, if any, until February 28, 2017.

Interest expense for the fiscal year ended October 31, 2015 was 0.14%.

The Adviser has contractually agreed to reduce the management fee to 0.56% on assets between $5 billion and $10 billion, 0.54% on assets between $10 billion and $20 billion, and 0.53% on assets over $20 billion through February 28, 2017.  Only the Board of Trustees may modify or terminate this agreement. 

Restated to reflect current fees.

The management fee rate is 0.75% on assets up to $12 billion and 0.65% on assets in excess of $12 billion. The Adviser has contractually agreed to reduce the management fee to 0.63% on assets between $24 billion and $36 billion, and to 0.58% on assets between $36 billion and $48 billion and 0.57% on assets over $48 billion through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.54% and 0.79% for the Institutional Class and Administrative Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.54% and 0.79% for the Institutional Class and Administrative Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to reduce the management fee to 0.43% on assets between $1 billion and $3 billion and 0.405% on assets greater than $3 billion through February 28, 2018. Additionally, the Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.51% and 0.76% for the Institutional Class and Administrative Class, respectively, through February 28, 2017.Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

Restated to reflect current fees.

The Adviser has contractually agreed to reduce the management fee to 0.56% through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 1.15%, 1.40%, 1.52% and 1.10% for the Institutional Class, Administrative Class, Investor Class and Retirement Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Represents the average daily dividends for 30 days, assuming all dividends are reinvested, annualized by 365 days and divided by the net asset value per share at the end of the period. Does not reflect reimbursements or fee waivers currently in effect.

Represents the average daily dividends for 30 days, annualized by 365 days and divided by the net asset value per share at the end of the period. Does not reflect reimbursements or fee waivers currently in effect.

Contractual management fee waiver, and contractual expense limitation, excluding interest expense, if any, until February 28, 2017

The Adviser has contractually agreed to reduce the management fee to 0.18% through February 28, 2017. Additionally, the Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.28% and 0.53% for the Institutional Class and Administrative Class, respectively, through February 28, 2017.  Only the Board of Trustees may modify or terminate this agreement.

Restated to reflect current fees.

The Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.94% and 1.19% for the Institutional Class and Administrative Class, respectively, through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Represents the average daily dividends for the last seven days, assuming all dividends are reinvested, annualized by 365 days and divided by the net asset value per share at the end of the period. Does not reflect reimbursements or waivers currently in effect.

Average annualized income dividend over the last 7 days. Reflects reimbursements or waivers of fees currently in effect.

Average annualized income dividend over the last seven days. Does not reflect reimbursements or waivers currently in effect.

Contractual management fee waiver through February 28, 2018 and a contractual expense limitation, excluding interest expense, if any, until February 28, 2017.

The management fee rate is 0.75% on assets up to $12 billion and 0.65% on assets in excess of $12 billion. The Adviser has contractually agreed to reduce the management fee to 0.63% on assets between $24 billion and $36 billion, and to 0.58% on assets between $36 billion and $48 billion and 0.57% on assets over $48 billion through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement. 

The Adviser has contractually agreed to reduce the management fee to 0.56% on assets between $5 billion and $10 billion, 0.54% on assets between $10 billion and $20 billion, and 0.53% on assets over $20 billion through February 28, 2017.  Only the Board of Trustees may modify or terminate this agreement. 

The Adviser has contractually agreed to reduce the management fee to 0.18% through February 28, 2017. Additionally, the Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.28% and 0.53% for the Institutional Class and Administrative Class, respectively, through February 28, 2017.  Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to reduce the management fee to 0.43% on assets between $1 billion and $3 billion and 0.405% on assets greater than $3 billion through February 28, 2018. Additionally, the Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.51% and 0.76% for the Institutional Class and Administrative Class, respectively, through February 28, 2017.Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to reduce the management fee to 0.56% through February 28, 2017. Only the Board of Trustees may modify or terminate this agreement.

Total annual fund operating expenses shown in this table will not correlate to the expense ratio shown in the Financial Highlights table found in the prospectus because that ratio does not include the Acquired Funds' fees and expenses.

Restated to reflect current fees.

The Fund's shareholders indirectly bear the expenses of the Institutional Class of the underlying Harbor funds (the Acquired Fund) in which the Fund invests.  This figure includes transaction costs (i.e. purchase and redemption fees), if any, imposed on the Fund by the Acquired Funds. See the prospectus for further details.

Restated to reflect current fees.

Contractual expense limitation, excluding interest expense, if any, until February 28, 2017

Ex-Date. The date on which a Fund's net asset value (NAV) will fall by an amount equal to the dividend and/or capital gain distribution plus or minus any change in the value of the Fund's holdings.

Reflects indirect expenses of the underlying Harbor funds

Contractual management fee waiver until February 28, 2017

About Expense Ratios: All mutual funds have expense ratios which represent what shareholders pay for operating expenses and management fees. Expense ratios are expressed as an annualized percentage of a fund's average net assets paid out in expenses. Net expense ratios reflect adjustments due to voluntary or contractual fee waivers or expense reimbursements. Expense ratio information is as of the Fund's current prospectus, as revised and supplemented from time to time.

Represents the average daily dividends for 30 days, annualized by 365 days and divided by the net asset value per share at the end of the period. Reflects reimbursements or fee waivers currently in effect.

Represents the average daily dividends for the last seven days, assuming all dividends are reinvested, annualized by 365 days and divided by the net asset value per share at the end of the period. Reflects reimbursements or waivers of fees currently in effect.

Average annualized income dividend over the last seven days. Reflects reimbursements or waivers of fees currently in effect.

Represents the average daily dividends for 30 days, assuming all dividends are reinvested, annualized by 365 days and divided by the net asset value per share at the end of the period. Reflects reimbursements or fee waivers currently in effect.