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Contents

• Basics
• Update Frequency
• Using Upgrades/Downgrades On Your Site
• Equity Ratings Systems

Basics

Update Frequency

Using Upgrades/Downgrades On Your Site

Equity Ratings Systems

ABN AMRO Adams, Harkness & Hill AG Edwards BB Robertson Stephens Bear Stearns BrookStreet Sec BT Alex. Brown CE Unterberg Towbin CIBC Oppenheimer CS First Boston Dain Rauscher Wessels Deutsche Bank Donaldson Lufkin Jenrette (DLJ) Everen Securities F.S. Van Kasper Ferris Baker First Union Cap Mkts Friedman, Billings Ramsey & Co

Goldman Sachs Gruntal & Co Hambrecht & Quist Heron Capital Management HSBC Securities J. P. Morgan Janney Montgomery Scott Josephthal Lyon Kaufman Bros., LP Ladenburg Thalmann Lehman Brothers McDonald Investments Merrill Lynch Morgan Stanley Dean Witter NB Montgomery Securities Oppenheimer PaineWebber Piper Jaffray

Preferred Capital Markets Prudential Securities Raymond James Roney Capital Markets S&P Equity Research Salomon Smith Barney Sanford C. Bernstein & Co. Schroder & Co. Scott & Stringfellow SG Cowen & Co SoundView Financial SouthWest Securities Stephens Inc Sunlogic Securities Sutro & Co TechVest, LLC Warburg Dillon Read

ABN AMRO Buy Hold Sell Adams, Harkness & Hill Strong Buy Accumulate Market Perform Sell AG Edwards Buy Accumulate Maintain Position Reduce Sell BB Robertson Stephens Strong Buy Buy Attractive Market Performer Bear Stearns Buy Attractive Neutral Unattractive Sell BrookStreet Sec Buy Accumulate Neutral Reduce Sell BT Alex. Brown Strong Buy Buy Neutral Source Of Funds Sell CE Unterberg Towbin Strong Buy Buy Neutral Sell Strong Sell CIBC Oppenheimer Strong Buy Buy Hold Underperform CS First Boston Strong Buy Buy Hold Sell Dain Rauscher Wessels Strong Buy Buy Neutral Underperform Deutsche Bank North America Buy Accumulate Hold Sell Donaldson Lufkin Jenrette (DLJ) Top Pick Buy Market Perform Underperform Everen Securities Outperform Market Perform Underperform F.S. Van Kasper Strong Buy Buy Neutral Underperform Sell Ferris Baker Strong Buy Buy Accumulate Hold First Union Cap Mkts Buy Outperform Hold Underperform Sell Friedman, Billings Ramsey & Co Strong Buy Buy Long Term Buy Speculative Buy Accumulate Hold Sell

Goldman Sachs Recommended List Trading Buy Market Outperformer Market Performer Market Underperformer Gruntal & Co Strong Buy Outperform Neutral Underperform Speculative Hambrecht & Quist Strong Buy Buy Hold Heron Capital Management Strong Buy Buy Hold Sell HSBC Securities Buy Add Hold Reduce Sell J. P. Morgan Buy Long-Term Buy Mkt Perform Mkt Underperform Janney Montgomery Scott Buy Accumulate Hold Sell Josephthal Lyon Focus List Buy Buy Hold Sell Kaufman Bros., LP ST/LT Buy - Buy ST/LT Hold - Buy ST/LT Hold - Hold ST/LT Sell - Sell Ladenburg Thalmann Buy Long Term Buy Hold Sell Lehman Brothers Buy Outperform Neutral Underperform Sell McDonald Investments Aggressive Buy Buy Hold Underweight Sell Merrill Lynch Buy Accumulate Neutral Reduce Sell No Rating Morgan Stanley Dean Witter Strong Buy Outperform Neutral Underperform NB Montgomery Securities Buy Hold Sell Oppenheimer Buy Outperform Market Perform Underperform Sell PaineWebber Buy Attractive Neutral Unattractive Sell Piper Jaffray Strong Buy Buy Neutral Sell Monitored - No official investment opinion

Preferred Capital Markets Strong Buy Buy Accumulate Hold Prudential Securities Strong Buy Accumulate Hold Sell Raymond James Buy Accumulate Neutral Underperform Sell Roney Capital Markets Strong Buy Buy Market Perform Underperform S&P Equity Research Buy Accumulate Hold Avoid Sell Salomon Smith Barney Buy Outperform Neutral Underperform Avoid Sanford C. Bernstein & Co. Outperform Market Perform Underperform Schroder & Co. Outperform Significantly Outperform Perform-In-Line Underperform Underperform Significantly Scott & Stringfellow Strong Buy Long Term Buy Hold Source of Funds SG Cowen & Co Strong Buy Buy Neutral Underperform Sell SoundView Financial Buy/Buy Hold/Buy Hold/Hold Sell SouthWest Securities Strong Buy Buy Accumulate Hold/Neutral Underperform Stephens Inc Buy Mkt Outperform Neutral Sell Sunlogic Securities Strong Buy Buy Above Average Accumulate Hold Below Average Sell Sutro & Co Buy Accumulate Hold Source of Funds (Sell) TechVest, LLC Strong Buy Buy Hold Sell Strong Sell Warburg Dillon Read Strong Buy Buy Hold Reduce Sell