EXHIBIT 3 - INVESTMENT TERMS (All Funds excluding DCA)
INSTRUMENT	ISSUER	INT_RATE	DATE_BGT	DATE_SOLD	BOUGHT	SOLD	BANK	LENGTH	DAYS to MAT	W AVG LENGTH	W AVG MAT	3/31/2006
T-BILLS	GOV CAN	3.70	31-Mar-2006	04-Apr-2006	19,991,800.00	20,000,000.00	TD	4	4	79,967,200	79,967,200
BA	BMO	3.76	22-Mar-2006	12-Apr-2006	7,982,720.00	8,000,000.00	TD	21	12	167,637,120	95,792,640
BDN	HONGKONG	3.73	21-Feb-2006	28-Apr-2006	14,899,500.00	15,000,000.00	HK	66	28	983,367,000	417,186,000
BDN	TD	3.77	08-Mar-2006	28-Apr-2006	5,968,560.00	6,000,000.00	TD	51	28	304,396,560	167,119,680
BDN	TD	3.77	13-Mar-2006	28-Apr-2006	6,966,890.00	7,000,000.00	TD	46	28	320,476,940	195,072,920
				Less than 1 month	55,809,470	20.4%
BA	BNS	3.77	20-Mar-2006	05-May-2006	12,938,510.00	13,000,000.00	TD	46	35	595,171,460	452,847,850
BA	RBC	3.77	20-Feb-2006	15-May-2006	12,888,200.00	13,000,000.00	TD	84	45	1,082,608,800	579,969,000
BDN	TD	3.78	21-Feb-2006	24-May-2006	9,905,600.00	10,000,000.00	TD	92	54	911,315,200	534,902,400
BOND	FARM CREDIT	4.14	01-Dec-2005	01-Jun-2006	1,000,000.00	1,000,000.00	WG	182	62	182,000,000	62,000,000
BA	BMO	3.89	24-Mar-2006	09-Jun-2006	7,934,880.00	8,000,000.00	TD	77	70	610,985,760	555,441,600
BOND	BNS	4.09	10-Dec-2004	10-Jun-2006	2,000,000.00	2,000,000.00	WG	547	71	1,094,000,000	142,000,000
BOND	ONT	5.60	21-Jun-2001	21-Jun-2006	500,000.00	500,000.00	WG	1,826	82	913,000,000	41,000,000
BOND	ONT	4.25	30-Sep-2002	21-Jun-2006	2,503,228.00	2,366,000.00	WG	1,360	82	3,404,390,080	205,264,696
BOND	ONT	3.45	23-Jun-2003	21-Jun-2006	500,000.00	500,000.00	WG	1,094	82	547,000,000	41,000,000
BOND	ONT	3.45	26-Jun-2003	21-Jun-2006	3,500,000.00	3,500,000.00	WG	1,091	82	3,818,500,000	287,000,000
BOND	ONT	4.00	17-Nov-2003	21-Jun-2006	3,196,800.00	3,000,000.00	WG	947	82	3,027,369,600	262,137,600
BDN	TD	3.89	15-Mar-2006	30-Jun-2006	15,819,680.00	16,000,000.00	TD	107	91	1,692,705,760	1,439,590,880
				Between 1 and 3 months	72,686,898	26.5%
BOND	ONT	5.64	15-May-2001	24-Jul-2006	2,195,000.00	2,000,000.00	MER	1,896	115	4,161,720,000	252,425,000
BOND	ONT	5.95	28-May-2001	24-Jul-2006	2,707,500.00	2,500,000.00	WG	1,883	115	5,098,222,500	311,362,500
BOND 2015	FARM CREDIT	4.09	24-Jan-2006	24-Jul-2006	1,000,000.00	1,000,000.00	WG	181	115	181,000,000	115,000,000
BA	TD	3.90	24-Feb-2006	01-Aug-2006	5,900,400.00	6,000,000.00	TD	158	123	932,263,200	725,749,200
BA	RBC	3.95	21-Mar-2006	22-Aug-2006	19,672,200.00	20,000,000.00	TD	154	144	3,029,518,800	2,832,796,800
BA	RBC	4.03	31-Mar-2006	22-Aug-2006	9,843,500.00	10,000,000.00	TD	144	144	1,417,464,000	1,417,464,000
BOND	RBC	4.04	24-Aug-2005	24-Aug-2006	5,000,000.00	5,000,000.00	WG	365	146	1,825,000,000	730,000,000
BOND 2009	RBC	4.65	27-Mar-2006	20-Sep-2006	2,000,000.00	2,000,000.00	WG	177	173	354,000,000	346,000,000
BOND 2015	MANITOBA	4.04	19-Oct-2005	01-Oct-2006	3,000,000.00	3,000,000.00	WG	347	184	1,041,000,000	552,000,000
BOND	YORK	3.32	28-Oct-2004	28-Oct-2006	999,140.00	1,000,000.00	WG	730	211	729,372,200	210,818,540
BOND	WATERLOO	3.42	29-Nov-2004	29-Nov-2006	999,230.00	1,000,000.00	WG	730	243	729,437,900	242,812,890
BOND	GOV CAN	5.55	07-May-2001	01-Dec-2006	3,217,200.00	3,000,000.00	TD	2,034	245	6,543,784,800	788,214,000
BOND	MANITOBA	4.04	01-Dec-2005	01-Dec-2006	2,000,000.00	2,000,000.00	BMO	365	245	730,000,000	490,000,000
BOND 2013	FARM CREDIT	4.04	05-Dec-2005	05-Dec-2006	1,000,000.00	1,000,000.00	WG	365	249	365,000,000	249,000,000
BOND 2013	FARM CREDIT	4.04	05-Dec-2005	05-Dec-2006	1,000,000.00	1,000,000.00	WG	365	249	365,000,000	249,000,000
CD	MANULIFE	4.11	24-Mar-2006	15-Dec-2006	9,000,000.00	9,269,570.93	CAN	266	259	2,394,000,000	2,331,000,000
BOND	FARM CREDIT	4.04	20-Dec-2005	20-Dec-2006	1,000,000.00	1,000,000.00	CAN	365	264	365,000,000	264,000,000
BOND	FARM CREDIT	4.04	20-Dec-2005	20-Dec-2006	1,000,000.00	1,000,000.00	WG	365	264	365,000,000	264,000,000
BOND	BNS	4.30	25-Jan-2006	25-Jan-2007	1,000,000.00	1,000,000.00	WG	365	300	365,000,000	300,000,000
CD	MANULIFE	4.17	17-Feb-2006	16-Feb-2007	8,000,000.00	8,332,686.03	CAN	364	322	2,912,000,000	2,576,000,000
BOND	BNS	4.30	22-Feb-2006	22-Feb-2007	1,500,000.00	1,500,000.00	WG	365	328	547,500,000	492,000,000
BOND 2012	BNS	4.14	24-Feb-2006	24-Feb-2007	1,000,000.00	1,000,000.00	BMO	365	330	365,000,000	330,000,000
BOND	ONT	3.11	07-Jan-2005	08-Mar-2007	2,085,000.00	2,000,000.00	MER	790	342	1,647,150,000	713,070,000
BOND	ONT	3.88	15-Dec-2005	08-Mar-2007	4,064,400.00	4,000,000.00	RBC	448	342	1,820,851,200	1,390,024,800
				Between three months and one year	89,183,570	32.5%
BOND	GOV CAN	5.24	31-Aug-2001	01-Jun-2007	5,511,000.00	5,000,000.00	TD	2,100	427	11,573,100,000	2,353,197,000
BOND	ONT	3.58	11-Feb-2004	21-Jun-2007	2,079,000.00	2,000,000.00	WG	1,226	447	2,548,854,000	929,313,000
BOND	ONT	3.73	04-Nov-2005	04-Nov-2007	1,000,000.00	1,000,000.00	WG	730	583	730,000,000	583,000,000
BOND	RBC	4.20	12-Jan-2006	16-Dec-2007	1,495,500.00	1,500,000.00	WG	703	625	1,051,336,500	934,687,500
BOND	ONT	4.57	17-Nov-2003	19-Nov-2008	497,295.00	500,000.00	CAN	1,829	964	909,552,555	479,392,380
BOND	ONT	4.53	17-Nov-2003	19-Nov-2008	996,500.00	1,000,000.00	CAN	1,829	964	1,822,598,500	960,626,000
BOND	ONT	3.22	15-Jun-2005	01-Dec-2008	3,244,932.00	3,000,000.00	MER	1,265	976	4,104,838,980	3,167,053,632
BOND	CHT	3.61	17-Mar-2004	15-Mar-2009	998,780.00	1,000,000.00	WG	1,824	1,080	1,821,774,720	1,078,682,400
BOND	CIBC	4.38	26-Mar-2004	26-Mar-2009	10,365,000.00	10,000,000.00	RBC	1,826	1,091	18,926,490,000	11,308,215,000
BOND	ONT	4.19	03-May-2004	19-May-2009	2,980,260.00	3,000,000.00	RBC	1,842	1,145	5,489,638,920	3,412,397,700
BOND	GOV CAN	4.20	10-Jul-2003	01-Jun-2009	2,138,920.00	2,000,000.00	RBC	2,153	1,158	4,605,094,760	2,476,869,360
BOND	CMHC	4.20	20-Sep-2004	15-Sep-2009	1,020,270.00	1,000,000.00	WG	1,821	1,264	1,857,911,670	1,289,621,280
BOND	LONDON	4.58	19-Sep-2003	19-Sep-2009	498,830.00	500,000.00	WG	2,192	1,268	1,093,435,360	632,516,440
BOND	TORONTO	4.59	25-Sep-2003	25-Sep-2009	499,100.00	500,000.00	MER	2,192	1,274	1,094,027,200	635,853,400
BOND	TORONTO	4.59	25-Sep-2003	25-Sep-2009	499,100.00	500,000.00	WG	2,192	1,274	1,094,027,200	635,853,400
BOND	CHT	3.63	27-Sep-2005	15-Sep-2010	998,910.00	1,000,000.00	WG	1,814	1,629	1,812,022,740	1,627,224,390
BOND	CHT	4.04	09-Dec-2005	15-Sep-2010	1,964,800.00	2,000,000.00	BMO	1,741	1,629	3,420,716,800	3,200,659,200
BOND	CHT	4.02	18-Jan-2006	15-Sep-2010	2,945,340.00	3,000,000.00	BMO	1,701	1,629	5,010,023,340	4,797,958,860
BOND	TORONTO	4.80	25-Sep-2003	25-Sep-2010	499,900.00	500,000.00	WG	2,557	1,639	1,278,244,300	819,336,100
BOND	CHT	4.26	29-Mar-2006	15-Mar-2011	1,984,980.00	2,000,000.00	WG	1,812	1,810	3,596,783,760	3,592,813,800
BOND	YORK	4.21	25-May-2005	25-May-2011	997,900.00	1,000,000.00	WG	2,191	1,881	2,186,398,900	1,877,049,900
BOND	HALTON	4.68	13-Feb-2004	12-Feb-2012	989,018.00	991,000.00	WG	2,921	2,144	2,888,921,578	2,120,454,592
BOND	BCMFA	5.03	22-Apr-2004	22-Apr-2013	998,900.00	1,000,000.00	CAN	3,287	2,579	3,283,384,300	2,576,163,100
BOND	YORK	4.04	27-Sep-2005	27-Sep-2013	1,986,000.00	2,000,000.00	WG	2,922	2,737	5,803,092,000	5,435,682,000
BOND	ONT	5.18	09-Aug-2004	08-Mar-2014	991,630.00	1,000,000.00	CAN	3,498	2,899	3,468,721,740	2,874,735,370
BOND	ON	5.05	08-Oct-2004	08-Mar-2014	1,000,830.00	1,000,000.00	CAN	3,438	2,899	3,440,853,540	2,901,406,170
BOND	CIBC	4.84	14-Mar-2005	22-Dec-2014	1,994,880.00	2,000,000.00	WG	3,570	3,188	7,121,721,600	6,359,677,440
BOND	ONT	4.28	22-Jul-2005	08-Mar-2015	1,021,050.00	1,000,000.00	WG	3,516	3,264	3,590,011,800	3,332,707,200
BOND	ONT	4.32	24-Oct-2005	08-Mar-2015	3,052,200.00	3,000,000.00	RBC	3,422	3,264	10,444,628,400	9,962,380,800
BOND	TORONTO	4.68	20-May-2005	20-May-2015	1,292,473.00	1,300,000.00	WG	3,652	3,337	4,720,111,396	4,312,982,401
				Over 1 year	56,543,298	20.6%						178,807,492,639
												4,280,262,570
		Bonds			106,510,796			Average Length of Investment (days)	652.1
		Money Market			167,712,440
								Weighted Average Days to Maturity	402.6
		Portfolio Balance Mar 31, 2005			274,223,236
		General Fund and Other Reserves
		(not including DCA)