Harbor International Fund Investor Class (HIINX)

Current Price (As of 10/30/2014)

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 International Fund-7.08%-3.14%1.38%13.35%7.20%8.60%11.08%1.11% 1.13%
MSCI EAFE (ND) Index-5.88%-1.38%4.25%13.65%6.56%6.32% 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 International Fund-7.08%-3.14%1.38%13.35%7.20%8.60%11.08%1.11% 1.13%
MSCI EAFE (ND) Index-5.88%-1.38%4.25%13.65%6.56%6.32% 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 International Fund16.40%20.41%-11.44%11.57%38.04%
MSCI EAFE (ND) Index22.78%17.32%-12.14%7.75%31.78%

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 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.

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, and to 0.58% on assets over $36 billion through February 28, 2015. Only the Board of Trustees may modify or terminate this agreement. 

Contractual management fee waiver until February 28, 2015

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.