| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 26-Oct-06 | Friedman Billings | Downgrade | Outperform | Mkt Perform | | 10-Aug-06 | Stifel Nicolaus | Initiated | | Hold | | 21-Dec-05 | Ryan, Beck & Co | Initiated | | Mkt Perform | | 28-Oct-05 | Sandler O'Neill | Downgrade | Hold | Sell | | 23-Aug-05 | Friedman Billings | Initiated | | Outperform | | 5-Apr-05 | Keefe Bruyette | Upgrade | Underperform | Mkt Perform | | 8-Dec-04 | Keefe Bruyette | Downgrade | Mkt Perform | Underperform | | 15-Dec-99 | ABN AMRO | Initiated | | Hold |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | 0 | 0 | 0 | 0 | | Buy | 0 | 0 | 0 | 0 | | Hold | 2 | 2 | 2 | 2 | | Underperform | 0 | 0 | 0 | 0 | | Sell | 0 | 0 | 0 | 0 |
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