Inhance Growth SRI Portfolio Commentary

Portfolio Advisor: Vancity Investment Management Ltd.

Fund Commentary - March 31, 2012

Over the quarter, the Portfolio Sub-Advisor engaged with several companies on diversity, human rights, project risk and climate change.  They met with Teck Resources to discuss actions and policies to promote gender diversification in the workplace. Teck provided an overview of initiatives at company operations, demonstrating in-depth knowledge on the benefits of diversity and committed to provide increased reporting in the annual sustainability report. The Portfolio Sub-Advisor filed a shareholder resolution with Agrium calling on the board tor review and report on policies and initiatives promoting diversity in the workforce. Agrium agreed to increase reporting on progress on diversity, including success stories and new initiatives. They also engaged with Valener on the need to disclose information on the company's approach to addressing climate risks. The company agreed to provide more information through disclosure by Gaz Metro, the primary asset held by Valener.  The Portfolio Sub-Advisor met with IAMGOLD to discuss human rights policies, practices and reporting. The Company responded by providing information on current human rights initiatives including development of a stand-alone policy. Finally, the Portfolio Sub-Advisor jointly filed a shareholder resolution, with two other major shareholders, calling on the Enbridge Board of Directors to assess the risks associated with First Nations' opposition to the Northern Gateway Pipeline project, and detail how the company intends to mitigate the operational, reputational, and legal risks of such opposition. The resolution will be presented for voting at the upcoming annual meeting of shareholders.

As the latest quarter's strength illustrates, after months of squabbling and confusion, the absence of any negative surprises out of Europe and the success of the ECB liquidity initiatives offered a welcome reprieve to markets starved for some confidence-boosting news. However, the Portfolio Sub-Advisor believes these liquidity measures, while positive, merely mask the deeper, on-going solvency, deleveraging and austerity issues still facing much of Europe. While they find the modest pace of growth in the US is encouraging, global growth remains far from booming with China's mandated economic slowing posing risks of a "hard landing" scenario. Furthermore, they believe potential developments surrounding Iran, Spain, oil prices, European elections and expectation shifts on any of the aforementioned "big picture" variables suggest current complacency could be rudely shattered, inducing downside volatility typical of the long work-out phase post a major financial crisis. Thus they strongly affirm that for growth-oriented investors, the balance of the Portfolio remains an appropriate low-risk strategy in the current environment for improving the overall return and mitigating inherent volatility. The Portfolio Sub-Advisor also indicates that within the overall equity fund content, they intend to undertake a modest shift from the IA Clarington Inhance Canadian Equity SRI Fund to the IA Clarington Inhance SRI Global Fund, while leaving the IA Clarington Inhance Monthly Income SRI Fund intact. They believe that in the prospective period of deleveraging and slower global growth, risks of appreciation of the Canadian dollar have diminished; that the attractiveness of non-resource stocks will rise relative to resource stocks; and that the breadth of investment opportunity available in other more diverse markets, particularly the US, now offers a compelling alternative to our resource-heavy Canadian market. Hence, they believe this shift to be both prudent and the most appropriate and attractive strategy for mitigating the inherent volatility in the present slow growth and less predictable world economic environment.