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 <http://tdwaterhouse.ip02.com/rd/9z1z032slnicvm7vqgbloff5ordhrmlrji8c5cjfm20>

The Individual Investor
 
April 2002
A Publication for Customers of TD Waterhouse Investor Services, Inc.
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Five Years of the
Dow & Nasdaq
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Protect Yourself from Identity Theft!
Beware of anyone who e-mails or calls you requesting confirmation of personal identity information in connection with your
TD Waterhouse account(s). Never give your TD Waterhouse Account number or password to anyone via e-mail. Furthermore, no
TD Waterhouse Customer Service Representative will ever ask you for your password by e-mail, telephone, or in person. 

If you have any questions, please call Customer Service at 1-800-934-4448.



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  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	The Importance of Steadily Rising Dividends <http://tdwaterhouse.ip02.com/rd/9z1znrhqij5gp4sp9p8e6helb3pq8apfqhfqg9j7arg>	 
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 	 Scoffed at in the growth-driven bull market of the late 1990s, dividend-paying stocks are back in vogue, and for good reason. Here's a list of ten companies <http://tdwaterhouse.ip02.com/rd/9z1zsoqd726e8usqb4e4ur83vmt1uc2tv9lonhh1pfo> that have increased their cash dividends each year since 1992. 	 	 
 	  	 
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 	 The more friends you refer to us, the more FREE trades you receive when your friends open a TD Waterhouse account. And it's easy to spread the news <http://tdwaterhouse.ip02.com/rd/9z1zk02j312scirddjfp0qe69qe2fh7i0e8r8n73f0o> with our e-mail referral program. 
	 	 
 	  	 
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  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Make Next Year's Tax Season Easier 	
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 	 Save yourself time and trouble next tax season and year round - 
by bringing all of your accounts under the TD Waterhouse 
umbrella. Transfer your other accounts <http://tdwaterhouse.ip02.com/rd/9z1zkajt1br2lhmvsrj988ki3lvjc3tnuqsvqepi8a8> to TD Waterhouse today.

 	 
 	  	 
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  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	It's Easy to Move Money into Your Account <http://tdwaterhouse.ip02.com/rd/9z1zkk4nojtdnjnj93ok4v3159hpva6g5t9oasupgag>	 
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 	 We offer a variety of convenient ways to deposit funds into your account(s) with us. Here's what you need to know <http://tdwaterhouse.ip02.com/rd/9z1z0acvg811nudpmdgff2l92010gcfdvp70l41a7n8> about which ones are right for your needs - and how to sign up for them. 
	 	 
 	  	  	 
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  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Extended Branch Hours During Tax Season	 
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  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Monday, April 8th through Friday, April 12th.....	 until 7:00 p.m. 	
 	 Saturday, April 13th.......................................	 9 a.m. to 1:00 p.m.	 
 	 Monday, April 15th........................................	 until 7:00 p.m.	 
 	 All schedules are local times.
 	 
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The TD Waterhouse 529 College Savings Plan <http://tdwaterhouse.ip02.com/rd/9z1zdo7e6m3e4i1e86ddb3hqjcuu4uf65thn12cb5r8>	  	 
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 	 Our 529 College Savings Plan makes saving for a child's future <http://tdwaterhouse.ip02.com/rd/9z1z17kmp3r83d6qblf4aq283seojbmaqsgbhvip3k0> easy, affordable, and flexible. 	 	 
 	  	  	 
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Effective Planning Tools, On- and Off-line <http://tdwaterhouse.ip02.com/rd/9z1zifjobg8bmtab33eti4ek7beh2jli9v0f9j7rkn0>	  	 
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 	 TD Waterhouse offers several planning tools to help you make the most of your investments <http://tdwaterhouse.ip02.com/rd/9z1zqpl79529mn2kjeq895341j3te1baiessdbut4d0>, including our Analysts' Choice List - declared the winner for lowest turnover and best performance by Mutual Funds magazine.	  	 
 	  	  	 
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You're in Control of Your Money <http://tdwaterhouse.ip02.com/rd/9z1z8j9ati5gg2fuur7k6tb08a9plqrndr4ehtsdj20>	  	 
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 	 We've developed a whole range of banking services with online access - everyday checking, online bill payment, credit cards, home equity lines of credit, mortgages, and more - specifically for investors who want to control their money <http://tdwaterhouse.ip02.com/rd/9z1zu001fpit14ssa4t14e48ngmc9e8ckhqq56akn58>.	  	 
 	  	  	 
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Wireless Service Expanded <http://tdwaterhouse.ip02.com/rd/9z1z74q18m3mr172kgeac07rsm9ue42psa2gpe5rj20>	  	 
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 	 Access your brokerage account from almost anywhere with a Web-ready phone, Windows Powered Pocket PC
 handheld - and now with Palm devices. Learn more <http://tdwaterhouse.ip02.com/rd/9z1zc68gacpsneupuonb9pq186sqboknhsid0g321p0>.	  	 
 	  	  	 


We want to hear from you! E-mail <mailto:theindividualinvestor@tdwaterhouse.com> your comments and questions concerning
The Individual Investor or any individual articles at theindividualinvestor@tdwaterhouse.com <mailto:theindividualinvestor@tdwaterhouse.com>


Copyright 2002 TD Waterhouse Investor Services, Inc. Member NYSE/SIPC.

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