Dividend Calendar 10 January 2002

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All 23 dividends with pay date on 10 January 2002

Security	Ex-Date	Pay Date	Div.%	Amount
Altria Group Inc	20/12/2001	10/01/2002	6.30%	$0.58
Pernod Ricard SA	10/01/2002	10/01/2002	7.36%	€0.13
Banco Bilbao Vizcaya Argentaria SA	10/01/2002	10/01/2002	4.64%	€0.07
Naturgy Energy Group SA	10/01/2002	10/01/2002	6.02%	€0.14
The Cigna Group	11/12/2001	10/01/2002	2.26%	$0.11
The Cigna Group	13/12/2001	10/01/2002	2.26%	$0.32
Solvay SA	10/01/2002	10/01/2002	8.87%	€0.88
International Flavors & Fragrances Inc	20/12/2001	10/01/2002	2.09%	$0.15
DNP Select Income Fund	27/12/2001	10/01/2002	7.29%	$0.08
West Fraser Timber Co.Ltd	19/12/2001	10/01/2002	1.85%	CA$0.07
Virtus Total Return Fund Inc.	03/01/2002	10/01/2002	9.79%	$0.06
Community Financial System Inc	12/12/2001	10/01/2002	3.05%	$0.14
PCM Fund	27/12/2001	10/01/2002	13.95%	$0.32
Caledonia Investments PLC	05/12/2001	10/01/2002	2.13%	£0.01
Banner Corp	27/12/2001	10/01/2002	3.23%	$0.98
United-Guardian Inc	21/12/2001	10/01/2002	7.09%	$0.10
Ameris Bancorp	27/12/2001	10/01/2002	0.91%	$0.10
Nuveen Multi-Market Income Fund	26/12/2001	10/01/2002	5.98%	$0.06
Karrie International Holdings Ltd	27/12/2001	10/01/2002	1.54%	HK$0.13
Lung Kee (Bermuda) Holdings Ltd	20/12/2001	10/01/2002	0.00%	HK$0.03
Old Second Bancorp Inc	26/12/2001	10/01/2002	1.41%	$0.08
Edaran Bhd	26/12/2001	10/01/2002	2.73%	MYR 0.10
Finward Bancorp	26/12/2001	10/01/2002	1.40%	$0.26

Security

Ex-Date

Pay Date

Div.%

Amount