Release Date Harbor International Fund - Institutional Class 06-30-21 ...... Category Foreign Large Blend

Investment Objective & Strategy Portfolio Analysis From the investment's prospectus Composition as of 03-31-21 % Assets Morningstar Style Box™ as of 03-31-21 % Mkt Cap The investment seeks long-term total return, principally from U.S. Stocks 1.1 Large Giant 28.09 ...... growth of capital. Non-U.S. Stocks 97.9 Mid Large 35.90 The fund invests primarily (no less than 65% of its total Bonds 0.0 Medium 32.92 assets under normal market conditions) in common and Cash 1.0 Small Small 2.82 preferred stocks of foreign companies located principally in Other 0.0 ...... Micro 0.27 developed markets across Europe, Japan and Asia Pacific ex Value Blend Growth Japan. The Subadviser's investment strategy focuses on identifying attractive long-term investment opportunities that Top 10 Holdings as of 03-31-21 % Assets Morningstar World Regions as of 03-31-21 % Fund can arise as a result of certain capital cycle, or supply-side, Vestas Wind Systems A/S 1.59 Americas 1.71 ...... conditions. Roche Holding AG 1.58 North America 1.10 Past name(s) : Harbor International Instl. BP PLC 1.53 Latin America 0.61 Hitachi Ltd 1.34 Greater Europe 63.57 Flutter Entertainment Plc Di Common Stock Eur.09 1.33 ...... Volatility and Risk 24.98 PLC 1.21 Volatility as of 06-30-21 Europe Developed 38.56 Investment Novo Nordisk A/S B 1.14 Europe Emerging 0.03 Group PLC 1.08 Low Moderate High Africa/Middle East 0.01 Coloplast A/S Class B 1.01 Category Greater Asia 34.71 HelloFresh SE Bearer Shares 1.01 ...... Japan 23.52 Risk Measures as of 06-30-21 Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev 18.76 1.01 1.04 Morningstar Super Sectors as of 03-31-21 % Fund Australasia 3.86 Asia Developed 4.49 3 Yr Beta 1.04 . 1.04 h Cyclical 37.91 j Sensitive 40.94 Asia Emerging 2.84 Principal Risks k Defensive 21.16 Currency, Emerging Markets, Foreign Securities, Loss of Operations Money, Not FDIC Insured, Issuer, Market/Market Volatility, Gross Prosp Exp Ratio 0.89% of fund assets Waiver Data Type Exp. Date % Equity Securities, Other, Preferred Stocks, Management, Net Prosp Exp Ratio 0.77% of fund assets Small Cap, Mid-Cap Expense Ratio Contractual 02-28-22 0.12 Management Fee 0.75% Important Information 12b-1 Fee . Portfolio Manager(s) Morningstar Investment Profiles must be accompanied Other Fee 0.00% William Arah. Since 2018. by Morningstar Disclosure and Glossary. Miscellaneous Fee(s) 0.14% Neil Ostrer. Since 2018. Fund Inception Date 12-29-87 ...... Advisor Harbor Capital Advisors Inc Funds or their affiliates may pay compensation to Voya® Total Fund Assets ($mil) 4,812.1 Subadvisor Marathon Asset Management affiliates offering a fund. Such compensation may be paid out Annual Turnover Ratio % 12.00 LLP of distribution, service and/or 12b-1 fees that are deducted Fund Family Name Harbor from the fund's assets, and/or may be paid directly by the Notes fund's affiliates. Any fees deducted from fund assets are The management fee rate is 0.75% on assets up to $12 billion and 0.65% on assets in excess of $12 billion. In addition, the discussed in the fund's prospectus and disclosed in the fund Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.77% for the fact sheet. Because these fees are paid on an on-going basis, Institutional Class, through February 28, 2022. Only the Fund's Board of Trustees may modify or terminate these agreements. over time these fees will increase the cost of your investment Restated to reflect current fees. The total and net expense ratios exclude a one-time extraordinary tax compliance fee related to and may cost you more than paying other types of sales tax reclaims recovered by the Fund. If such tax compliance fee had been included, the Other Expenses would have been 1.01% charges. If offered through a retirement program, additional for the Institutional share class. fees and expenses may be charged under that program. NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE INSTITUTION. MAY GO DOWN IN VALUE.

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