How do I cite a source with multiple authors in Harvard style?

In Harvard referencing, up to three author names are included in an in-text citation or reference list entry. When there are four or more authors, include only the first, followed by ‘et al.

In-text citationReference list
1 author(Smith, 2014)Smith, T. (2014) …
2 authors(Smith and Jones, 2014)Smith, T. and Jones, F. (2014) …
3 authors(Smith, Jones and Davies, 2014)Smith, T., Jones, F. and Davies, S. (2014) …
4+ authors(Smith et al., 2014)Smith, T. et al. (2014) …