<PAGE> PAGE 1
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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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<TABLE> <S> <C>
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<CIK> 0000862342
<NAME> RIVERFRONT FUNDS INC
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<NAME> RIVERFRONT INCOME EQUITY FUND INVESTOR A SHARES
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<TABLE> <S> <C>
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<TABLE> <S> <C>
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<CIK> 0000862342
<NAME> RIVERFRONT FUNDS INC
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<NUMBER> 40
<NAME> RIVERFRONT OHIO TAX-FREE
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<NAME> RIVERFRONT FLEXIBLE
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<TABLE> <S> <C>
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<NAME> RIVERFRONT STOCK APPRECIATION FUND INVESTOR A SHARES
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<NAME> THE RIVERFRONT FUNDS INC.
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<NAME> RIVERFRONT STOCK
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</TABLE>
THE RIVERFRONT FUNDS, INC.
THE RIVERFRONT FLEXIBLE GROWTH FUND
THIS PROXY IS SOLICITED ON BEHALF
OF THE DIRECTORS OF THE COMPANY
The undersigned hereby appoints Walter B. Grimm,
James E. White and Charles
L. Booth and each of them, with full power of
substitution, proxies to vote and
act with respect to all Shares of The Riverfront
Flexible Growth Fund (the
"Fund"), a series of The Riverfront Funds, Inc.
(the "Company"), which the
undersigned is entitled to vote, at the Special
Meeting of Shareholders of the
Company to be held on Monday, December
30, 1996, at 3435 Stelzer Road,
Columbus, Ohio 43219, at 10:00 A.M.,
EST, and at any and all adjournments
thereof, on the following proposals and
any other matters that may properly
come before the Meeting. The undersigned
hereby acknowledges receipt of the
Notice of Special Meeting of Shareholders
dated December 6, 1996, and Proxy
Statement attached thereto.
NOTE: Please sign legibly
and exactly as name
appears on this card.
If Shares are registered
in the name of joint
owners, each must sign the
proxy. When signing
as executor, administrator,
attorney, trustee or
guardian or as custodian
for a minor, please
give full title as such.
If a corporation,
please sign in full
corporate name and
indicate the signer's
office. If a partner,
please sign in
the partnership name.
-----------------------------------------
(Signature of Shareholder)
-----------------------------------------
(Signature of Shareholder)
Dated:
-----------------------------------
<PAGE>
The Shares represented by this Proxy
will be voted upon the proposals listed
below in accordance with the instruction
given by the Shareholder, but if no
instruction is given, this Proxy will be
voted FOR the proposals and in
accordance with the best judgement of
the proxies on any other matter which
properly comes before the Meeting:
FOR AGAINST
ABSTAIN
1. Approval of the amendment to the arrangements
with respect to the management of the Fund
such / / / / / /
that The Provident Bank will become the
sole manager of the Fund's portfolio.
2. Approval of amendments to the Company's
Articles of Incorporation to reclassify the currently
issued and outstanding shares of the Fund
as shares of The Riverfront Balanced Fund. / /
/ / / /
PLEASE MARK, SIGN, DATE AND RETURN THE PROXY
CARD PROMPTLY USING THE ENCLOSED ENVELOPE.
THE RIVERFRONT FUNDS, INC.
THE RIVERFRONT INCOME EQUITY FUND
THIS PROXY IS SOLICITED ON BEHALF
OF THE DIRECTORS OF THE COMPANY
The undersigned hereby appoints Walter B. Grimm, James E. White and Charles
L. Booth and each of them, with full power of substitution, proxies to vote and
act with respect to all Shares of The Riverfront Income Equity Fund (the
"Fund"), a series of The Riverfront Funds, Inc. (the "Company"), which the
undersigned is entitled to vote, at the Special Meeting of Shareholders of the
Company to be held on Monday, December 30, 1996, at 3435 Stelzer Road,
Columbus, Ohio 43219, at 10:00 A.M., EST, and at any and all adjournments
thereof, on the following proposals and any other matters that may properly
come before the Meeting. The undersigned hereby acknowledges receipt of the
Notice of Special Meeting of Shareholders dated December 6, 1996, and Proxy
Statement attached thereto.
NOTE: Please sign legibly and exactly as name
appears on this card. If Shares are registered
in the name of joint owners, each must sign the
proxy. When signing as executor, administrator,
attorney, trustee or guardian or as custodian
for a minor, please give full title as such.
If a corporation, please sign in full
corporate name and indicate the signer's
office. If a partner, please sign in
the partnership name.
-----------------------------------------
(Signature of Shareholder)
-----------------------------------------
(Signature of Shareholder)
Dated:
-----------------------------------
<PAGE>
The Shares represented by this Proxy will be voted upon the proposals listed
below in accordance with the instruction given by the Shareholder, but if no
instruction is given, this Proxy will be voted FOR the proposals and in
accordance with the best judgement of the proxies on any other matter which
properly comes before the Meeting:
FOR AGAINST
ABSTAIN
1. Approval of the amendment to the Investment
Adivsory Agreement with The Provident Bank
to permit / / / / / /
The Provident Bank to manage directly that portion
of the Fund's portfolio allocated to it by the
Company's Board of Directors.
2. Approval of amendment to the Sub-Investment
Adivisory Agreement with Deprince, Race &
Zollo, Inc.
to clarify that Deprince, Race & Zello, Inc.
will manage directly that portion of the Fund's
portfolio allocated to it by the Company's Board of Directors.
/ / /
/ / /
PLEASE MARK, SIGN, DATE AND RETURN THE PROXY
CARD PROMPTLY USING THE ENCLOSED ENVELOPE.
<PAGE>
[LETTERHEAD OF ERNST & YOUNG LLP APPEARS HERE]
To the Shareholders and Directors
The Riverfront Funds, Inc.
In planning and performing our audit
of the financial statements of The Funds,
Inc. (the Fund) for the year
ended December 31, 1996, we considered its internal
control structure, including
procedures for safeguarding securities, in order to
determine our auditing procedures
for the purpose of expressing our opinion on
the financial statements and to comply
with the requirements of Form N-SAR, not
to provide assurance on the internal control structure.
The management of The Riverfront Funds, Inc.
is responsible for establishing and
maintaining an internal control structure.
In fulfilling this responsibility,
estimates and judgments by management
are required to assess the expected
benefits and related costs of internal
control structure policies and
procedures. Two of the objectives of an internal control structure are to
provide management with reasonable, but not absolute, assurance that assets are
safeguarded against loss from unauthorized use or disposition and that
transactions are executed in accordance with management's authorization and
recorded properly to permit preparation of financial statements in conformity
with generally accepted accounting principles.
Because of inherent limitations in any internal
control structure, errors or
irregularities may occur and not be detected.
Also, projection of any evaluation
of the structure to future periods is subject
to the risk that it may become
inadequate because of changes in conditions
or that the effectiveness of the
design and operation may deteriorate.
Our consideration of the internal control
structure would not necessarily
disclose all matters in the internal
control structure that might be material
weaknesses under standards established
by the American Institute of Certified
Public Accountants. A material weakness
is a condition in which the design or
operation of the specific internal control
structure elements does not reduce to
a relatively low level the risk that errors
or irregularities in amounts that
would be material in relation to the
financial statements being audited may
occur and not be detected within a
timely period by employees in the normal
course of performing their assigned
functions. However, we noted no matters
involving the internal control structure,
including procedures for safeguarding
securities, that we consider to be material
weaknesses as defined above at
December 31, 1996.
This report is intended solely for the information
and use of management and the
Securities and Exchange Commission.
/s/ Ernst & Young LLP
Cincinnati, Ohio
February 10, 1997
