Harbor International Fund Institutional Class (HAINX)

Current Price (As of 02/07/2012)

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Total Returns - Month End (Annualized Total Returns as of the Month-Ended 01/31/2012)

Annualized Total Returns as of the Month-Ended 01/31/2012
Annualized Total Returns as of the Month-Ended 01/31/2012
 3 MoYTD Return1 Yr3 Yr5 Yr10 YrSince
Incp.
Expense Ratio
NetGross
Harbor International Fund3.22%7.78%-5.53%19.49%0.51%10.29%11.91%0.79% 0.80%
MSCI EAFE (ND) Index-0.73%5.33%-9.59%13.37%-3.85%5.79%4.85%--

Total Returns - Quarter End (Annualized Total Returns as of the Quarter-Ended 12/31/2011)

Annualized Total Returns as of the Quarter-Ended 12/31/2011
Annualized Total Returns as of the Quarter-Ended 12/31/2011
 3 MoYTD Return1 Yr3 Yr5 Yr10 YrSince
Incp.
Expense Ratio
NetGross
Harbor International Fund7.35%-11.13%-11.13%11.31%-0.75%9.17%11.60%0.79% 0.80%
MSCI EAFE (ND) Index3.33%-12.14%-12.14%7.65%-4.72%4.67%4.64%--

Year-by-Year Total Returns (As of Year-Ended 12/31)

As of Year-Ended 12/31
As of Year-Ended 12/31
 20072008200920102011
Harbor International Fund21.82%-42.66%38.57%11.98%-11.13%
MSCI EAFE (ND) Index11.17%-43.38%31.78%7.75%-12.14%

Performance data shown represents past performance, which is no guarantee of future results. Current performance may be higher or lower than the performance data shown. Investment returns and the value of an investment will fluctuate, and an investor's shares, when sold, may be worth more or less than their original cost. You can obtain performance data current to the most recent month-end (available within seven business days after the most recent month-end) by calling 800-422-1050 or visiting www.harborfunds.com.

The Harbor Funds performance shown assumes the reinvestment of dividend and capital gain distributions and is net of management fees and expenses. Returns for periods less than one year are not annualized.

From time to time, certain fees and/or expenses have been voluntarily waived, which has resulted in higher returns. Without these waivers, the returns would have been lower. Voluntary waivers may be applied or discontinued at any time without notice.

The MSCI EAFE (ND) Index is an unmanaged index generally representative of major overseas stock markets. This unmanaged index does not reflect fees and expenses and is not available for direct investment.


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, to 0.62% on assets between $36 billion and $56 billion and to 0.61% on assets over $56 billion through February 29, 2012.

Other Expenses, Total Annual Fund Operating Expenses and Total Annual Fund Operating Expenses After Fee Waiver have been restated to reflect current fees.

Other Expenses, Total Annual Fund Operating Expenses and Total Annual Fund Operating Expenses After Fee Waiver have been restated to reflect current fees.

Other Expenses, Total Annual Fund Operating Expenses and Total Annual Fund Operating Expenses After Fee Waiver have been restated to reflect current fees.

Contractual management fee waiver until 02/29/2012

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, to 0.62% on assets between $36 billion and $56 billion and to 0.61% on assets over $56 billion through February 29, 2012.

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.

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.