{CU Name} - Saving for Education with Ethical Funds®


Each child holds a wealth of opportunity in their hands Put the advantage of post-secondary education within their reach with Ethical Funds^®
The importance of education "Education is a gateway to higher earnings," according to Statistics Canada and the 2001 Census. More than 60% of Canadians in the highest earning category — over $100,000 a year — have a university degree. Between 1991 and 2001, average undergraduate tuition fees at Canadian universities rose by 135.4% — more than 6 times the rate of inflation. By the 2002/3 academic year, an undergraduate at a Canadian university faced tuition fees averaging $3,738 (Source: Statistics Canada, 2002). Fees are likely to continue to rise. Whether you are hoping for your child to attend post-secondary school, or are an adult wishing to return to school yourself, you'll need a savings plan to make the dream a reality. Your Investment Options There are a number of options available to make saving for education as easy as possible. Any one of these options — or a combination — might be the right solution for you. Your investment professional can help you determine what will work best for your situation. Registered Education Savings Plans (RESPs) In-trust Accounts (ITAs) Formal Trusts Savings and Investment Accounts Lifelong Learning Plans (LLPs) Ethical Funds: The socially responsible solution Ethical Funds is Canada's leader in socially responsible investing with a full family of Funds to choose from for your education savings portfolio. Ethical Funds screens all companies for investment fundamentals. Ethical Funds has also developed a Shareholder Action program to ensure that they screen with your values in mind. This is the heart of socially responsible investing. Getting Started Every dream is different and every student is unique. That's why we recommend that you consult with your investment professional before you make any decisions about an education savings plan. They have the expertise to help you build a plan that works within your means to achieve your goals. Talk to your Credential^® Asset Management Mutual Funds Investment Specialist at Biggar Credit Union today about how Ethical Funds can become a part of your education savings plan. Investing with Ethical Funds can make a difference in the future of your child, and help companies make the world a better place for all children. For more information, visit www.ethicalfunds.com. Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Ethical Funds are sold in all provinces and territories across Canada. ^®Ethical, Ethical Funds & Design and Credential & Design, are registered marks owned by Ethical Funds Inc.