| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 22-Jan-04 | Keefe Bruyette | Downgrade | Outperform | Mkt Perform | | 21-Apr-03 | Friedman Billings | Downgrade | Outperform | Mkt Perform | | 29-Nov-01 | Legg Mason | Initiated | | Buy | | 27-Aug-01 | Keefe Bruyette | Downgrade | Outperform | Mkt Perform | | 2-Jan-01 | AG Edwards | Downgrade | Accumulate | Maintain Position | | 21-Sep-00 | AG Edwards | Downgrade | Buy | Accumulate |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | | | | | | Buy | | | | | | Hold | | | | | | Underperform | | | | | | Sell | | | | |
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