Harbor Money Market Fund Administrative Class (HRMXX)

Current Price (As of 10/31/2014)

Current 7-Day Subsidized SEC
Yield (%)
Current 7-Day Unsubsidized SEC
Yield (%)
Effective 7-Day Subsidized SEC
Yield (%)
Effective 7-Day Unsubsidized SEC
Yield (%)
0.05% -0.50% 0.05% -0.50%

Price History Chart

to

Performance Chart

Source: Morningstar, Inc.

Total Returns - Month End (Annualized Total Returns as of the Month Ended 09/30/2014)

Annualized Total Returns as of the Month Ended 09/30/2014
Annualized Total Returns as of the Month Ended 09/30/2014
 3 MoYTD Return1 Yr3 Yr5 Yr10 YrSince
Incp.
Expense Ratio
NetGross
Harbor Money Market Fund0.02%0.05%0.06%0.08%0.10%1.51%1.31%0.53% 0.56%
BofA Merrill Lynch US 3-Month Treasury Bill Index0.01%0.03%0.05%0.07%0.10%1.59% N/A --

Total Returns - Quarter End (Annualized Total Returns as of the Quarter Ended 09/30/2014)

Annualized Total Returns as of the Quarter Ended 09/30/2014
Annualized Total Returns as of the Quarter Ended 09/30/2014
 3 MoYTD Return1 Yr3 Yr5 Yr10 YrSince
Incp.
Expense Ratio
NetGross
Harbor Money Market Fund0.02%0.05%0.06%0.08%0.10%1.51%1.31%0.53% 0.56%
BofA Merrill Lynch US 3-Month Treasury Bill Index0.01%0.03%0.05%0.07%0.10%1.59% N/A --

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

As of Year Ended 12/31
As of Year Ended 12/31
 20132012201120102009
Harbor Money Market Fund0.07%0.10%0.09%0.18%0.16%
BofA Merrill Lynch US 3-Month Treasury Bill Index0.07%0.11%0.10%0.13%0.21%

Performance data shown represents past performance, which is no guarantee of future results. Current performance may be higher or lower than the past 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 current yield more closely reflects the current earnings of the Harbor Money Market Fund than the total return.

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 or contractually waived or reimbursed, which has resulted in higher returns. Without these waivers or reimbursements, the returns would have been lower. Voluntary waivers or reimbursements may be applied or discontinued at any time without notice. Only the Board of Trustees may modify or terminate contractual fee waivers or expense reimbursements.

An investment in the Harbor Money Market Fund is not guaranteed by the FDIC or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

The BofA Merrill Lynch 3-Month US Treasury Bill Index is comprised of a single U.S. Treasury Bill issue purchased at the beginning of each month and held for a full month, at which time that issue is sold and rolled into a newly selected issue. The issue selected each month is that having a maturity date closest to, but not beyond 90 days from the rebalance date.


Contractual management fee waiver until February 28, 2015

Contractual expense limitation until February 28, 2015

The Adviser has contractually agreed to reduce the management fee to 0.18% through February 28, 2015. Only the Board of Trustees may modify or terminate this agreement.

The Adviser has contractually agreed to limit the Fund's operating expenses to 0.28% and 0.53% for the Institutional Class and Administrative Class, respectively, through February 28, 2015. 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.

The Adviser has contractually agreed to reduce the management fee to 0.18% through February 28, 2015. 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. 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.

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.