[IMAGE]   The Individual Investor November  2001  A  Publication for Customers of TD Waterhouse Investor Services,  Inc.     [IMAGE]   [IMAGE]      [IMAGE] [IMAGE] Sector  Strategy: Adjusting to a Shifting Investment Landscape What  does Standard & Poor's favor in this post-September 11th  environment? 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 [IMAGE] [IMAGE] [IMAGE] Goldman  SachsPrimeAccessSM ResearchNow Available Online [IMAGE] That's right, comprehensive research from one of the leading global  investment banking and securities firms can now be found when you  login to your TD Waterhouse account and click on News & Research.  For more details on this exciting new feature visit  our Web site .   [IMAGE]            [IMAGE]    [IMAGE] [IMAGE]  An  Important Reason to Have a Margin Account   [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 borrowing at favorable rates. Get  more information  on the benefits and risks of margin.  Minimum  Margin Requirements   Add  Margin Privileges to your account            [IMAGE] [IMAGE]  Stop  into a Branch for Free Mutual Fund Help   [IMAGE] [IMAGE] [IMAGE]     Looking for  assistance with your mutual fund selections? Stop by your local  TD Waterhouse branch and get help in building or adjusting your  portfolio to better match your investment objectives and risk tolerance.  More  details ...  Find  the TD Waterhouse branch nearest you.             We want to  hear from you! E-mail   your comments and questions concerning The Individual Investor  or any individual articles at theindividualinvestor@tdwaterhouse.com   Copyright 2001 TD Waterhouse Investor Services,  Inc. Member NYSE/SIPC.   	


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