TD WATERHOUSE SELECT

Financial and monetary exchange services; brokerage services, namely discount brokerage services in the fields of stocks, bonds, mutual funds and related securities provided by means of a multiple-user global computer network; investment services, namely, investment advice, consultation and brokerage in the fields of stocks, bonds, mutual funds and related securities; securities brokerage, financial investment management, and financial portfolio management services provided via an on-line electronic communications network; providing financial information, namely, real-time financial market data, stock, bond and mutual fund quotes, all by means of multiple-user global computer network