| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 3-May-06 | Friedman Billings | Downgrade | Outperform | Mkt Perform | | 4-Nov-04 | Sandler O'Neill | Downgrade | Buy | Hold | | 4-Mar-04 | Friedman Billings | Upgrade | Mkt Perform | Outperform | | 7-Jan-04 | Friedman Billings | Downgrade | Outperform | Mkt Perform | | 6-Mar-03 | Stifel Nicolaus | Upgrade | Market Underperform | Market Perform | | 8-Jan-02 | Friedman Billings | Initiated | | Buy |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | | | | | | Buy | | | | | | Hold | | | | | | Underperform | | | | | | Sell | | | | |
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