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Credential EnRich Income Pool Class A

Credential EnRich Income Pool Class B

FUND FACTS
Start Date:	November 8, 2005
RRSP:	Yes
MER:	1.81%
Mgt Fee:	1.5%
Fund Code:	Front-End: 050, DSC: 150, Low Load: 350, Low Load 2: 10050

FUND FACTS
Start Date:	November 8, 2005
RRSP:	Yes
MER:	0.20%
Mgt Fee:	1.2% to 1.5%
Fund Code:	Mgt Fee 1.50%: 450, Mgt Fee 1.40%: 650, Mgt Fee 1.30%: 750, Mgt Fee 1.20%: 850

INVESTMENT OBJECTIVE

The Credential EnRich Income Pool aims to provide income and the potential for capital gains by investing mostly in fixed income securities and income trusts.

The fundamental investment objective of the Pool may only be changed with the approval of a majority of unitholders at a meeting called for that purpose.

INVESTMENT STRATEGIES

In order to achieve the investment objective of the Credential EnRich Income Pool, a comprehensive style-diversified portfolio has been constructed, to be managed by a number of sub-advisors in accordance with their respective investment styles.

The sub-advisors are selected based on their complementary investment styles. Although the portion of the Pool’s assets managed by each sub-advisor may vary, our current target weighting is as follows: active fixed income management 80%; and income trusts 20%.

Each sub-advisor makes investment decisions for their portion of the portfolio. The Portfolio Manager regularly reviews the security selection and the asset weight allocations of each sub-advisor to ensure that the portfolio is optimally managed. The asset allocations available to each sub-advisor may change, if, for example, there are changes in a sub-advisor's investment style conditions or changes to the number of sub-advisors in the Pool.

The Credential EnRich Portfolios are offered as part of an asset allocation program; available through Credential Securities Inc. and Credential Asset Management Inc. Credential Asset Management Inc. is the principal distributor of Credential^® Funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments, investments in the Credential EnRich Pools and the use of the Credential EnRich Portfolios. Please read the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in unit values and reinvestment of all distributions for the period ended, Aug 31, 2010, and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. There can be no assurances that the Credential Money Market Fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. The Credential EnRich Portfolios, the Credential EnRich Pools, and mutual fund securities are not insured by the Canadian Deposit Insurance Corporation or by any other deposit insurer that insures deposits in credit unions; they are not guaranteed, their values change frequently and past performance may not be repeated.

These Funds will distribute income and/or capital gains to Unitholders annually so that the Funds will not have to pay income taxes on these earnings.

®Credential is a registered mark owned by Credential Financial Inc. The Ethical Funds Company and ™Make money. Make a Difference. are registered marks and a trademark owned by Northwest & Ethical Investments L.P.



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