Message-ID: <12516704.1075861704201.JavaMail.evans@thyme> Date: Tue, 13 Nov 2001 19:01:49 -0800 (PST) From: theindividualinvestor@tdwaterhouse.com To: lavorato@enron.com Subject: TD Waterhouse: Individual Investor Mime-Version: 1.0 Content-Type: text/plain; charset=us-ascii Content-Transfer-Encoding: quoted-printable X-From: TD Waterhouse @ENRON X-To: lavorato@enron.com X-cc: X-bcc: X-Folder: \JLAVORA (Non-Privileged)\Lavorato, John\Deleted Items X-Origin: Lavorato-J X-FileName: JLAVORA (Non-Privileged).pst [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 If you received this message in error or you do not wish to receive further= messages from TD Waterhouse, follow this link to opt out.