Your Year-End Summary Statement

<http://tdwaterhouse.ip02.com/rd/9z1z6lb7jkk7n6sq3g8scpft6443sojv9clgm7p5i9g<;

<http://img.ipost.com/client/t/tdwaterhouse/spacer.gif<;
<http://img.ipost.com/client/t/tdwaterhouse/inner_curve.gif<

Dear Valued Customer,

Now you can access your 1099 and Year-End Summary Statement online in 'eServices.' Simply login to your account at tdwaterhouse.com <http://tdwaterhouse.ip02.com/rd/9z1z7uta13dmkd2lh3fac6kvubs6kjndeqm27l0q3kg<;, click on 'My Account' then 'eServices,' and 'Tax/Year-End Docs.'

Designed to make tax preparation faster and easier, the Year-End Summary Statement gives you a complete breakdown of your account activity with
TD Waterhouse during the past calendar year.

Find Account Details Fast
You'll also find a detailed explanation of your Year-End Summary Statement and how to read all the types of activity that may have occurred in your account, including:

Investment Activity

Non-Reportable Income

Dividends

Other Distributions

Interest Details

Original Issue Discount Details

Get More Online <http://tdwaterhouse.ip02.com/rd/9z1ztgbndpu3csulv775qutaa4duc38ekjbfm3ao8u0<;
While you're logged in to your account you may want to click on 'Planning' for tips on effective tax planning at the TD Waterhouse Tax Center. However, questions about your specific tax situation should always be directed to your tax advisor.

You're In Control
Easy to read and understand, your TD Waterhouse Year-End Summary Statement offers all your account activity in one place and can help reduce the time it takes to prepare your taxes. It's just another way we help
TD Waterhouse customers stay in control of their finances.

As always, we appreciate your business - and the opportunity to help you manage your money successfully.

Sincerely,

<http://img.ipost.com/client/t/tdwaterhouse/120401//M_Curcio1.gif<
Michael J. Curcio
Executive Vice President

<http://img.ipost.com/client/t/tdwaterhouse/spacer.gif<;

<http://img.ipost.com/client/t/tdwaterhouse/spacer.gif<;

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

This e-mail is intended for TD Waterhouse customers only. If you have received this message in error, please reply to this email or contact us at customerservice@tdwaterhouse.com <mailto:customerservice@tdwaterhouse.com<.

<http://img.ipost.com/client/t/tdwaterhouse/spacer.gif<;