Mutual Funds are not guaranteed, their values change frequently and past performance may not be repeated.  There can be no assurances that a money market fund will be able to maintain its net asset value per security at a constant amount or that the full amount of an investment in the fund will be returned to the invetor.  Mutual fund securities are not covered by the Federal Deposit Insurance Corporation or by any other government deposit insurer.  Please read the prospectus before investing and consult your financial advisor.  The risk inherent to these funds is not the risk of AIC Financial Group Limited or any of its subsidiaries but of the individual assets that comprise each respective fund portfolio.