TD Waterhouse: Individual Investor

[IMAGE] The Individual Investor November 2001 A Publication for Custo=
mers of TD Waterhouse Investor Services, Inc. [IMAGE] [IMAGE] [=
IMAGE] [IMAGE] Sector Strategy: Adjusting to a Shifting Investment Landsca=
pe What does Standard & Poor's favor in this post-September 11th environm=
ent? Consumer staples, health care, engineering & construction, integrated=
energy and selected financials. Learn more about their rationale and see=
their favored sector stocks. Five Years of the Dow & Nasdaq [IM=
AGE] [IMAGE] [IMAGE] Goldman SachsPrimeAccessSM ResearchNow Available Onli=
ne [IMAGE] That's right, comprehensive research from one of the leading glo=
bal investment banking and securities firms can now be found when you log=
in to your TD Waterhouse account and click on News & Research. For more de=
tails on this exciting new feature visit our Web site . [IMAGE] =
[IMAGE] [IMAGE] [IMAGE] An Important Reason to Have a Margin Accoun=
t [IMAGE] [IMAGE] [IMAGE] A margin account can prevent you from the =
inconvenience of being placed on a 90-day restriction. Though not without =
risk, margin can also provide greater flexibility and a source of borrowin=
g at favorable rates. Get more information on the benefits and risks of m=
argin. Minimum Margin Requirements Add Margin Privileges to your accou=
nt [IMAGE] [IMAGE] Stop into a Branch for Free Mutual Fund Hel=
p [IMAGE] [IMAGE] [IMAGE] Looking for assistance with your mutual fu=
nd selections? Stop by your local TD Waterhouse branch and get help in bui=
lding or adjusting your portfolio to better match your investment objectiv=
es and risk tolerance. More details ... Find the TD Waterhouse branch n=
earest you. We want to hear from you! E-mail your comments a=
nd questions concerning The Individual Investor or any individual articles=
at theindividualinvestor@tdwaterhouse.com Copyright 2001 TD Waterhouse I=
nvestor Services, Inc. Member NYSE/SIPC. =09

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