FUND FACTS - CLASS A
Portfolio Manager: Central Financial Corporation (1989) Limited1
Start Date: December 8, 1980
RRSP: Yes
MER: 1.31%
Mgt Fee: 0.85%
Fund Code: Front-End: 061, DSC: 161,
Low Load: 361, Low Load 2: 10061
Current Yields: 0.01% as of October 23, 2009
Total Assets: $74.68 millions as of August 31, 2009
1This fund was previously called the Ethical® Money Market Fund
 
FUND FACTS - CLASS F
Portfolio Manager: Central Financial Corporation (1989) Limited1
Start Date: July 25, 2006
RRSP: Yes
MER: 0.84%
Mgt Fee: 0.85%
Fund Code: 961
*Current Yields: 0.01% as of October 23, 2009
Total Assets: $0.33 millions as of August 31, 2009
1This fund was previously called the Ethical® Money Market Fund
INVESTMENT OBJECTIVE
The Credential Money Market Fund aims to maximize current income and liquidity while minimizing risk. It invests mostly in high quality, short-term money market instruments issued or guaranteed by the Government of Canada or a province or by Canadian corporations and financial institutions. It follows a socially responsible approach to investing.
INVESTMENT STRATEGIES
The portfolio manager buys only securities that have the highest credit ratings. The portfolio manager aims to maintain a constant net asset value of $10 per unit.

The Fund follows a socially responsible approach to investing. At the heart of our investment process are our Core SRI Values.

Investment philosophy
Central Financial Corporation (CFC) believes that active management adds value in fixed income money management. After establishing core positions consistent with the fund objectives, CFC seeks opportunities to add value through various investment strategies depending on their relative effectiveness at the time. CFC also actively reviews the core positions to benefit from predicted trends in the financial markets.
INVESTMENT OPTIONS
Available for non-registered accounts, RRSPs, RESPs, RRIFs, TFSAs, and Group RRSPs.
SECTOR ALLOCATION %
As Of August 31, 2009
Cash and Short Term Investments   63.4
Corporations   17.4
Prov. Govern. and Crown Corp.   10.4
Government of Canada   8.0
Other Assets Less Liabilities   0.8
Total Investment Portfolio 100.0
PERFORMANCE HISTORY - CLASS A
As Of September 30, 2009
Period %
6 months 0.01
1 year 0.43
3 years 2.16
5 years 2.03
10 years 2.26
Year to date 0.09
Since Inception 5.66
PERFORMANCE HISTORY - CLASS F
As Of September 30, 2009
Period %
3 months 0.01
6 months 0.02
1 year 0.56
3 years 2.48
Year to date 0.16
Since Inception 2.52
DISTRIBUTIONS - CLASS A
 
Payment Date Oct 31/08
Interest 0.0147

Total 0.0147
DISTRIBUTIONS - CLASS F
 
Payment Date Oct 31/08
Interest 0.0173

Total 0.0173

This is an annualized historical yield based on the seven-day period ended on Sep 09, 2010 and does not represent an actual one year return.

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.