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SUPPLEMENT DATED
NOVEMBER 8, 1996
TO
PROSPECTUS DATED
FEBRUARY 29, 1996
FINANCIAL HORIZONS
INVESTMENT TRUST
CASH RESERVE FUND
GOVERNMENT BOND FUND
MUNICIPAL BOND FUND
GROWTH FUND
Effective November 8, 1996 and continuing at lease through Feburary 28, 1997,
the funds distributor, Nationwide Advisory Services, Inc. will waive the total
.75% 12b-1 fee on the Government Bond Fund, Municipal Bond Fund, and Growth
Fund. The 12b-1 fee is decribed on pages two and eight of the Prospectus.
Please keep this supplement with your prospectus for future reference.
