| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 23-Jul-01 | Friedman Billings | Upgrade | Accumulate | Buy | | 23-Apr-01 | Friedman Billings | Downgrade | Buy | Accumulate | | 9-Mar-01 | Friedman Billings | Upgrade | Mkt Perform | Buy | | 11-Jul-00 | USB Piper Jaffray | Downgrade | Strong Buy | Neutral | | 11-Jul-00 | Janney Mntgmy Scott | Downgrade | Accumulate | Hold | | 11-Jul-00 | Friedman Billings | Downgrade | Buy | Market Perform |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | | | | | | Buy | | | | | | Hold | | | | | | Underperform | | | | | | Sell | | | | |
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