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                <td valign="top">&nbsp;</td>
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                      <td width="103"><a href="#"><img src="images/link_online.gif" width="103" height="17" border="0"></a></td>
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                        <script language="JavaScript1.2">

<!-- Begin
var months=new Array(13);
months[1]="January";
months[2]="February";
months[3]="March";
months[4]="April";
months[5]="May";
months[6]="June";
months[7]="July";
months[8]="August";
months[9]="September";
months[10]="October";
months[11]="November";
months[12]="December";
var time=new Date();
var lmonth=months[time.getMonth() + 1];
var date=time.getDate();
var year=time.getYear();
if (year < 2000)    // Y2K Fix, Isaac Powell
year = year + 1900; // http://onyx.idbsu.edu/~ipowell
document.write("<right>" + lmonth + " ");
document.write(date + ", " + year + "</right>");
// End -->
</script>
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                                  <td width="10"><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><img src="images/arrow.gif" width="7" height="7"></font></strong></td>
                                  <td><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif">LATEST 
                                    NEWS</font></strong></td>
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                            <td><p><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong><font color="#CC0000">Markets: 
                                Lower Opening</font></strong><br>
                                Canada (Oct. 25, 2002 - 09:57) Disappointing numbers 
                                depress stocks; Air Canada turns in $125-million 
                                profit.</font></p>
                              <p><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong><font color="#CC0000">Outlook: 
                                JDS To Cut Workforce Again </font></strong><br>
                                Canada (Oct. 25, 2002 - 07:27) JDS Uniphase to 
                                cut hundreds more jobs in Ottawa as losses continue.</font></p>
                              <p><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong><font color="#CC0000">Internet 
                                Tax</font></strong><br>
                                World (Oct. 25, 2002 - 08:37) Web sites go blank 
                                to protest strict new Internet law.</font></p>
                              <p><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong><font color="#CC0000">Earnings: 
                                Manulife Profits Up 32%</font></strong><br>
                                Canada (Oct. 25, 2002 - 08:25) Manulife Financial 
                                nets $327M despite weak markets and $68M equity 
                                decline.</font></p>
                              <table width="95%" border="0" align="center" cellpadding="2" cellspacing="0">
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Earnings</font></td>
                                  <td width="5"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">:</font></div></td>
                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Nexfor 
                                    Profit Axed</font></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Outlook</font></td>
                                  <td width="5"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">:</font></div></td>
                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Cigna 
                                    Cuts Forecast</font></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Earnings</font></td>
                                  <td width="5"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">:</font></div></td>
                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif"> 
                                    Air Canada Nets $125M</font></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Earnings</font></td>
                                  <td><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">:</font></div></td>
                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Amazon 
                                    Narrows Loss</font></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Japan</font></td>
                                  <td><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">:</font></div></td>
                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Nikkei 
                                    Rises 1.3%</font></td>
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                              <p><font size="1" face="Verdana, Arial, Helvetica, sans-serif"> 
                                <strong>::: All the News</strong></font></p></td>
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                      <td width="1" bgcolor="#FFFFFF"><img src="images/spacer.gif" width="1" height="1"></td>
                      <td valign="top"><table width="95%" border="0" align="center" cellpadding="3" cellspacing="0">
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                            <td height="25" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0">
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                                  <td width="10"><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><img src="images/arrow.gif" width="7" height="7"></font></strong></td>
                                  <td><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif">TODAY's 
                                    FUNDS </font></strong></td>
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                            <td height="25" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0">
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                                  <td bgcolor="989898"><strong><font color="#FFFFFF" size="1" face="Verdana, Arial, Helvetica, sans-serif">WINNERS</font></strong></td>
                                  <td width="45" bgcolor="989898"><div align="center"><strong><font color="#FFFFFF" size="1" face="Verdana, Arial, Helvetica, sans-serif">Chg 
                                      %</font></strong></div></td>
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                            <td><table width="100%" border="0" cellspacing="0" cellpadding="2">
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Barclays 
                                    Global-iUnits Cdn Information Technology Indexes</font> 
                                  </td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">5.50</font></div></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">AIC-World 
                                    Advantage Fund</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">3.22</font></div></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">AIC-World 
                                    Advantage Corporate Class</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">3.21</font></div></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Sagit-Cambridge 
                                    Pacific Fund</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">3.17</font></div></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">AIC 
                                    Seg - World Advantage Segregated Fund</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">3.16</font></div></td>
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                                  <td><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif">All 
                                    the Winners</font></strong></td>
                                  <td valign="bottom">&nbsp;</td>
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                              </table></td>
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                            <td height="30" valign="middle"><table width="100%" border="0" cellspacing="0" cellpadding="0">
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                                  <td bgcolor="989898"><strong><font color="#FFFFFF" size="1" face="Verdana, Arial, Helvetica, sans-serif">WINNERS</font></strong></td>
                                  <td width="45" bgcolor="989898"><div align="center"><strong><font color="#FFFFFF" size="1" face="Verdana, Arial, Helvetica, sans-serif">Chg 
                                      %</font></strong></div></td>
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                              </table></td>
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                            <td><table width="100%" border="0" cellspacing="0" cellpadding="2">
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">TD 
                                    MF-Global BioTechnology Fund-F MaritimeLife 
                                    R-European Equity</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">-4.47</font></div></td>
                                </tr>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Fund 
                                    Series II-R</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">-4.12</font></div></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Maritime 
                                    R-European Equity Fund-R</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">-4.12</font></div></td>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Guardian-Global 
                                    BioTechnology Mutual Fund</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">-3.58</font></div></td>
                                </tr>
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                                  <td><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Altamira-BioTechnology 
                                    Fund</font></td>
                                  <td width="45" valign="bottom"><div align="center"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">-3.22</font></div></td>
                                </tr>
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                                  <td><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif">All 
                                    the Losers</font></strong></td>
                                  <td valign="bottom">&nbsp;</td>
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                              </table></td>
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                <td height="5"><img src="images/spacer.gif" width="1" height="5"></td>
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                <td height="1" bgcolor="#FFFFFF"><img src="images/spacer.gif" width="1" height="1"></td>
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                <td><table width="97%" border="0" align="center" cellpadding="3" cellspacing="0">
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                      <td height="25" valign="middle"><table width="100%" border="0" cellspacing="0" cellpadding="0">
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                            <td width="10"><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><img src="images/arrow.gif" width="7" height="7"></font></strong></td>
                            <td><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif">EXPERT 
                              ADVICE </font></strong></td>
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                      <td><table width="100%" border="0" cellspacing="0" cellpadding="0">
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                            <td width="70" height="75"><div align="center"><img src="images/pix001.gif" width="64" height="64"></div></td>
                            <td width="193" height="75"><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong>Customer 
                              Dis Service</strong><br>
                              by Don Sutton<br>
                              Dealing with customer service people is like tryng 
                              to pick up water... no, sulfuric acid.</font></td>
                            <td width="72" height="75"><div align="center"><img src="images/pix002.gif" width="64" height="64"></div></td>
                            <td width="205" height="75"><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong>Taking 
                              Home Stock</strong><br>
                              by Linda Leatherdale<br>
                              Housing market good as stock markets soar.</font></td>
                          </tr>
                          <tr valign="middle"> 
                            <td width="70" height="75"><div align="center"><img src="images/pix001.gif" width="64" height="64"></div></td>
                            <td width="193" height="75"><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong>Customer 
                              Dis Service</strong><br>
                              by Don Sutton<br>
                              Dealing with customer service people is like tryng 
                              to pick up water... no, sulfuric acid.</font></td>
                            <td width="72" height="75"><div align="center"><img src="images/pix002.gif" width="64" height="64"></div></td>
                            <td height="75"><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><strong>Taking 
                              Home Stock</strong><br>
                              by Linda Leatherdale<br>
                              Housing market good as stock markets soar.</font></td>
                          </tr>
                        </table></td>
                    </tr>
                  </table></td>
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            </table></td>
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  <tr> 
    <td height="20" bgcolor="D00C0C"><div align="center"><font color="#FFFFFF" size="1" face="Verdana, Arial, Helvetica, sans-serif">&copy;2002 
        Company Name Co.Ltd. All rights reserved&nbsp;&nbsp;</font></div></td>
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