| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 15-Feb-08 | Sterne Agee | Downgrade | Hold | Sell | | 11-Dec-07 | Sterne Agee | Initiated | | Sell | | 27-Jun-07 | Keefe Bruyette | Downgrade | Outperform | Mkt Perform | | 13-Dec-06 | Credit Suisse | Downgrade | Outperform | Neutral | | 22-Aug-06 | Sandler O'Neill | 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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