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Credit Services Upgrades

Date
Ticker
Analyst
Old Rating
New Rating
01/26/2011
FSC
Stifel Nicolaus
Hold
Buy
12/10/2010
COF
FBR Capital
Market Perform
Outperform
11/22/2010
SFI
CRT Capital
fairly valued
Buy
11/05/2010
AXP
An analyst at Argus Research
Hold
Buy this morning

Credit Services Downgrades

Date
Ticker
Analyst
Old Rating
New Rating
12/20/2010
AXP
An analyst at Stifel Nicolaus
Buy
Hold this morning
12/13/2010
CSE
Sandler O’Neill
Buy
Hold PT $7
11/12/2010
DFS
Macquarie
Outperform
Neutral PT $19
11/02/2010
CSE
Wells Fargo
Outperform
Market Perform

Credit Services New Coverages

Date
Ticker
Analyst
Rating
01/28/2011
MCO
Lazard Capital
Buy
01/06/2011
COF
Nomura Securities
Buy
01/06/2011
DFS
Nomura Securities
Neutral
01/06/2011
AXP
Nomura Securities
Neutral

Credit Services Earnings

Date
Company
Actual
Expected
02/09/2012
0.67
0.64
02/08/2012
0.43
0.49
02/08/2012
0.27
0.28
02/08/2012
0.68
0.67

On This Date

December 30, 1999:
The Nasdaq closed above 4,000 for the first time less than two months after its first close above 3,000. It ended up 84% for the year overall.

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