+++ Relative error rate individual analysts. The lower the score better.

MONEY CENTERS

Bank America Corp.

(24 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Joel Silverstein 3 0

Prudential Securities

2 Thomas Brown 5 0.3

Donaldson, Lufkin & Jenrette

3 Joseph Morford 5 0.31

Alex Brown & Co.

4 Diane Merdian 5 0.39

NationsBanc Montgomery

Securities, Inc.

5 Nigel Dally 5 0.46

Morgan Stanley Dean Witter

Bankers Trust New York Co.

(18 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Michael Mayo 3 0.24

CS First Boston

2 Leslie Nelkin 5 0.31

Furman Selz

3 Carla D'Arista 2 0.44

Friedman, Billings Ramsey

4 Norman Jaffe 5 0.5

Fox-Pitt

5 Robert Albertson 5 0.53

Goldman, Sachs

Chase Manhattan Corp.

(27 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 James Hanbury 5 0.41

Schroder Wertheim

2 Nigel Dally 3 0.44

Morgan Stanley Dean Witter

- Ruchi Madan 2 0.44

Prudential Securities

4 Norman Jaffe 5 0.5

Fox-Pitt

5 Robert Albertson 5 0.53

Goldman, Sachs

Citicorp

(25 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Nigel Dally 3 0.18

Morgan Stanley Dean Witter

2 Carla D'Arista 2 0.21

Friedman, Billings Ramsey

- Norman Jaffe 5 0.25

Fox-Pitt

4 Richard Bove 5 0.28

Raymond James

5 Raphael Soifer 2 0.33

Brown Brothers Harriman

J.P. Morgan & Co

(17 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Lawrence Cohn 2 0.17

Ryan, Beck & Co.

2 Raphael Soifer 2 0.33

Brown Brothers Harriman

3 James Hanbury 5 0.36

Schroder Wertheim

4 Michael Mayo 2 0.37

CS First Boston

5 Diane Glossman 5 0.508

Lehman Brothers/Salomon BrotherREGIONALS

AmSouth Bancorp

(15 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas Hanley 3 0.406

UBS Securities

- Eric Rothmann 3 0.406

Stephens, Inc.

3 Michael Plodwick 3 0.444

Salomon Brothers/Lehman Brothers -

Berger/Ptashek 3 0.444

Salomon Brothers

5 David Hilder 4 0.507

Morgan Stanley Dean Witter

Barnett Banks Inc. (20 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Henry Dickson 3 0.333

Salomon Smith Barney

Chris Kotowski 3 0.333

CIBC Oppenheimer

3 Steve Shobin 3 0.667

Lehman Brothers

- Thomas McCandless 3 0.667

NatWest Securities

- Nancy Bush 3 0.667

Brown Brothers Harriman

Banc One Corp. (34 analysts)

Rank Analyst/# of qtrs.

firm tested rate

1 Carla D'Arista 3 0.302

Friedman, Billings Ramsey

2 Michael Mayo 4 0.34

CS First Boston

3 Bob Ollech 4 0.384

4 Anthony Polini 2 0.418

Principal Financial Group

Advest, Inc.

5 Henry Dickson 5 0.484

Salomon Smith Barney

BankBoston Corp. (26 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Henry Dickson 5 0.098

Salomon Smith Barney

2 David Stumpf 4 0.106

A.G. Edwards

3 Frank Barkrocy 4 0.367

Josephthal & Co.

4 Colin Davis 5 0.412

Goldman, Sachs

5 Chris Kotowski 5 0.512

CIBC Oppenheimer

Bank of New York Co.

(24 analysts) Rank Error

firm tested rate

1 Diane Glossman 5 0.631

Salomon Brothers/Lehman Brothers

2 Thomas Hanley 2 0.632

UBS Securities

3 David Stumpf 4 0.649

A.G. Edwards

4 Lawrence Cohn 3 0.674

Ryan, Beck & Co.

5 Kevin Timmons 5 0.683

First Albany

Comerica Inc.

(19 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Joseph Duwan 5 0.374

Keefe, Bruyette Woods

2 Thomas McCandless 5 0.497

NatWest Securities

3 Lori Appelbaum 5 0.534

Goldman, Sachs

4 Michael Mayo 4 0.665

CS First Boston

5 Fred Cummings 5 0.686

McDonald & Co

CoreState(21 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Denis LaPlante 5 0.255

Foxx-Pitt, Kelton, Inc.

2 Lori Appelbaum 5 0.339

Goldman, Sachs

3 Michael Plodwick 3 0.436

Salomon Brothers

4 David Berry 2 0.543

Keefe, Bruyette Woods

5 Chris Kotowski 5 0.577

CIBC Oppenheimer

Crestar Financial Corp. (19 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Edward Najarian 4 0.217

Wheat, First, Butcher Singer

2 David Hilder 4 0.372

Morgan Stanley Dean Wiiter

3 William Katz 3 0.381

Merrill Lynch & co.

4 Nancy Bush 3 0.497

Brown Brothers Harriman

5 Chris Kotowski 5 0.552

CIBC Oppenheimer

Fifth Third Bancorp

(13 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Fred Cummings 5 0.224

McDonald & Co.

2 Thomas Brown 5 0.312

Donaldson, Lufkin & Jenrette

- Mike Granger 5 0.312

Fox-Pitt, Kelton Inc.

4 Lori Appelbaum 5 0.5678

Goldman, Sachs & Co.

5 Tim Willi 3 0.6

A.G. Edwards

Firstar Corp.

(16 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Sandra Flannigan 5 0.265

Merrill Lynch & Co.

2 Ross Demmerle 5 0.629

McDonald & Co.

3 Henry Dickson 5 0.646

Salomon Smith Barney

4 Joseph Roberto 5 0.676

Keefe, Bruyette Woods

5 Ben Crabtree 5 0.699

Dain Bosworth Inc.

First Bank System Inc.* (19 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Michael Plodwick 2 0.6

Salomon Brothers

- Cheryl Swaim 2 0.6

CIBC Oppenheimer

First Chicago NBD Corp. (29 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 David Stumpf 4 0.347

A.G. Edwards

- Nigel Dally 2 0.347

Morgan Stanley Dean Witter

3 Catherine Murray 5 0.392

J.P. Morgan Securities

4 Joseph Duwan 5 0.513

Keefe, Bruyette Woods

5 Lawrence Vitale 4 0.539

Bear, Stearns & Co.

First of (15 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Lori Appelbaum 4 0.59

Goldman, Sachs

2 Joseph Roberto 5 0.761

Keefe, Bruyette Woods

3 Michael Plodwick 3 0.779

Salomon Brothers

4 Fred Cummings 5 0.807

McDonald & Co.

5 Thomas Hanley 3 0.901

UBS Securities

First Ten(15 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Moore/Kelley 5 0

Morgan Keegan & Co.

2 Lori Appelbaum 5 0.474

Goldman, Sachs

3 Ruchi Madan 4 0.56

PaineWebber

4 Jacqueline Reeves 5 0.617

Salomon Smith Barney

5 Michael Mayo 3 0.904

CS First Boston

First Union Corp.

(30 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 David Stumpf 2 0.263

A.G. Edwards

2 Hal Schroeder 5 0.43

Keefe, Bruyette Woods

3 Thomas Hanley 4 0.566

UBS Securities

4 Michael Mayo 2 0.772

CS First Boston

5 Lawrence Vitale 5 0.774

Bear, Stearns & co.

Fleet Financial Group

(26 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Nancy Bush 4 0.256

Brown Brothers Harriman

2 Catherine Murray 4 0.401

J.P. Morgan Securities, Inc.

3 Thomas Hanley 2 0.42

UBS Securities

4 Frank Barkrocy 2 0.484

Josephthal & Co.

5 Henry Dickson 5 0.518

Salomon Smith Barney

Huntington Bancshares

(15 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Michael Mayo 4 0.363

CS First Boston

2 Ruchi Madan 2 0.621

PaineWebber

3 Tim Willi 2 0.652

A. G. Edwards

4 Joseph Duwan 5 0.656

Keefe, Bruyette Woods

5 Henry Dickson 5 0.689

Salomon Smith Barney

KeyCorp

(32 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Chris Kotowski 5 0.361

CIBC Oppenheimer

2 Robert Albertson 5 0.459

Goldman, Sachs

3 Kevin Timmons 2 0.566

First Albany

4 Diane Glossman 5 0.628

Salomon Brothers/Lehman Brothers

5 Fred Cummings 5 0.663

McDonald & Co.

Marshall & Ilsley Corp. (10 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Jacqueline Reeves 5 0.375

Salomon Smith Barney

2 Ross Demmerle 5 0.505

McDonald & Co.

3 Denis LaPlante 5 0.567

Fox-Pitt., Kelton, Inc.

4 Joseph Roberto 5 0.695

Keefe, Bruyette Woods

5 Ken Hemauer 5 0.803

Robert Baird & Co.

Mellon Bank Corp.

(29 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Joseph Duwan 5 0

Keefe, Bruyette Woods

- Lawrence Vitale 5 0

Bear, Stearns & Co.

- Catherine Murray 4 0

J.P. Morgan Securities, Inc.

- Carole Berger 3 0

Salomon Brothers

- Gerard Cassidy 3 0

Tucker Anthony

Mercantile Bancorp

(14 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 William Katz 2 0.109

Merrill Lynch & Co.

- Lawrence Vitale 2 0.109

Bear, Stearns & Co.

2 David Hilder 3 0.381

Morgan Stanley Dean Witter

3 Denis LaPlante 3 0.613

Fox-Pitt, Kelton, Inc.

4 Joseph Roberto 3 0.633

Keefe, Bruyette Woods

National City Corp.

(20 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Michael Mayo 2 0.263

CS First Boston

2 Tim Willi 2 0.322

A.G. Edwards

3 Thomas Hanley 3 0.448

UBS Securities

- Catherine Murray 3 0.448

J.P. Morgan & Co

NationsBank

(34 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Ruchi Madan 5 0.299

Prudential Securities/Paine Webber

2 David Stumpf 5 0.329

A.G. Edwards

3 Thomas Brown 2 0.344

Donaldson, Lufkin & Jenrette

4 George Bicher 5 0.408

BT Alex Brown

5 John Coffey 5 0.514

Robinson-Humphrey

Northern Trust Corp. (17 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas Hanley 2 0.178

UBS Securities

2 Denis LaPlante 5 0.477

Fox-Pitt Kelton, Inc.

- Thomas McCandless 2 0.477

NatWest Securities

4 Ronald Mandle 4 0.503

Sanford Bernstein

5 Tom Theurkauf 3 0.659

Keefe, Bruyette Woods

Norwest Corp.

(34 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Nancy Bush 5 0

Brown Brothers Harriman

- George Bicher 5 0

BT Alex Brown

- James Schutz 5 0

ABN-AMRO Chicago Corp.

- Thomas McCandless 5 0

NatWest Securities

- Joseph Duwan 5 0

Keefe, Bruyette Woods

- Ben Crabtree 5 0

Dain Bosworth

- Fred Cummings 5 0

McDonald & co.

- Ken Hemauer 5 0

Robert Baird & co.

- David Hilder 4 0

Morgan Stanley Dean Witter

- David Stumpf 4 0

A.G. Edwards

PNC Bank Corp.

(28 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Joseph Duwan 5 0

Keefe, Bruyette Woods

- Thomas Brown 5 0

Donaldson Lufkin & Jenrette

3 Thomas McCandless 5 0.284

NatWest Securities

4 Nancy Bush 5 0.414

Brown Brothers Harriman

5 Henry Dickson 5 0.48

Salomon Smith Barney

Republic New York Corp. (12 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Lawrence Vitale 5 0.596

Bear, Stearns &Co.

2 Norman Jaffe 5 0.625

Fox-Pitt Kelton, Inc.

3 Gerard Cassidy 5 0.64

Tucker Anthony

4 Ronald Mandle 5 0.843

Sanford Bernstein

SouthTrust Corp.

(14 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Eric Rothmann 2 0

Stephens, Inc.

2 Hope Willard 5 0.286

J.C. Bradford & Co.

3 Mike Granger 5 0.293

Fox-Pitt Kelton, Inc.

4 Ronald Mandle 5 0.48

Sanford Bernstein

5 Lori Appelbaum 5 0.651

Goldman Sachs

State Street Corp.

(13 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 George Bicher 5 0.634

BT Alex Brown

2 Ronald Mandle 4 0.705

Sanford Bernstein

3 Thomas Brown 5 0.786

Donaldson, Lufkin & Jenrette

SunTrust Banks

(22 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Henry Dickson 5 0.247

Salomon Smith Barney

2 John Mason 5 0.482

Interstate Johnson/Lane

3 George Bicher 5 0.58

BT Alex Brown

4 John Coffey 5 0.594

Robinson-Humphrey

5 Norman Jaffe 5 0.594

Fox-Pitt Kelton, Inc.

Synovus Financial

(10 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas Brown 5 0.235

Salomon Smith Barney

2 Ken Hemauer 2 0.471

Robert Baird & Co.

3 Norman Jaffe 5 0.513

Fox-Pitt Kelton, Inc.

Wachovia Corp.

(25 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Sandra Flannigan 5 0.227

Merrill Lynch & Co.

2 Hal Schroeder 2 0.237

Keefe, Bruyette Woods

3 Henry Dickson 5 0.495

Salomon Smith Barney

4 Edward Najarian 4 0.543

Wheat First Butcher Singer

5 Lori Appelbaum 5 0.552

Goldman, Sachs

Wells Fargo & Co.

(25 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Raphael Soifer 2 0.042

Brown Brothers Harriman

2 Lawrence Cohn 2 0.123

Ryan, Beck & Co.

3 Thomas Hanley 3 0.193

UBS Securities

4 Sandra Flannigan 5 0.213

Merrill Lynch & Co.

5 Norman Jaffe 5 0.219

Fox-Pitt Kelton, Inc.

TOP THRIFTS

H. F. Ahmanson & Co. (13 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Caren Mayer 5 0.25

NationsBanc Montgomery

Securities, Inc.

2 Leslie Nelkin 5 0.36

Furman Selz

3 Kenneth Posner 5 0.53

Morgan Stanley Dean Witter

Astoria Financial Corp. (10 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas Theurkauf 2 0.23

Keefe Bruyette Woods

2 Michael Hodes 5 0.42

Goldman, Sachs

3 Jerry Gitt 5 0.43

Merrill Lynch

Charter One Financial (7 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Joseph Duwan 3 0

Keefe, Bruyette Woods

2 Caren Mayer 5 0.42

NationsBanc Montgomery

Securities, Inc.

3 Thomas O'Donnell 5 0.67

Salomon Smith Barney

Commercial Federal Corp. (8 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Joseph Roberto 2 0

Keefe, Bruyette Woods

2 Caren Mayer 5 0.25

NationsBanc Montgomery

Securities, Inc.

3 Joseph Morford 5 0.25

BT Alex Brown

Coast Savings Financial

(6 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Michael Hodes 3 0.23

Goldman, Sachs

2 Thomas Theurkauf 2 0.69

Keefe, Bruyette Woods

3 Caren Mayer 5 0.81

NationsBanc Montgomery

Securities, Inc.

Dime Bancorp

(13 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Kevin Timmons 5 0.34

First Albany

2 Thomas O'Donnell 2 0.37

Salomon Smith Barney

3 Caren Mayer 5 0.45

NationsBanc Montgomery

Securities, Inc

First Financial Corp.

(2 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Ken Hemauer 3 0.33

Robert Baird

Golden We(10 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Gary Gordon 4 0.35

PaineWebber

2 Thomas O'Donnell 5 0.38

Salomon Smith Barney

3 Michael Hodes 5 0.87

Goldman, Sachs

Great Wes(2 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas O'Donnell 1 1

Salomon Smith Barney

- Leslie Nelkin 1 1

Furman Selz

GreenPoin(14 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 David Dusenberry 5 0.395

CS First Boston

2 Tom Theurkauf 3 0.41

Keefe, Bruyette Woods

3 Harting/Hain 5 0.44

Lehman Brothers

- James Schutz 5 0.44

ABN-AMRO Chicago

Long Island Bancorp

(8 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Chris Kotowski 5 0

CIBC Oppenheimer

2 Kevin Timmons 5 0.36

First Albany

3 Nancy Hazalrigg 5 0.85

Merrill Lynch

Peoples Bank

(13 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Vivek Juneja 3 0.33

J.P. Morgan Securities, Inc.

2 Kenneth Posner 5 0.499

Morgan Stanley Dean Witter

- Harting/Hain 5 0.499

Lehman Brothers

Peoples H(7 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Laura Hunsicker 2 0

Friedman, Billings Ramsey

2 James Ackor 5 0.499

BT Alex Brown

3 Kevin Timmons 5 0.8

First Albany

St. Paul Bancorp

(12 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas O' Donnell 4 0.32

Salomon Smith Barney

2 Harting/Hain 5 0.43

Lehman Brothers

3 Ben Crabtree 5 0.41

Dain Rauscher

Sovereign Bancorp

(10 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 John Rezai 5 0.23

Blaylock & Co.

2 Nancy Hazelrigg 4 0.29

Merrill Lynch

- Thomas O' Donnell 4 0.29

Salomon Smith Barney

TCF Financial Corp.

(16 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Keith Menzel 2 0

John C. Kinnard

2 Joseph Duwan 5 0.2

Keefe Bruyette Woods

- Thomas O'Donnell 5 0.2

Salomon Smith Barney

- Schroll/Reim 5 0.2

Piper Jaffray Inc.

Washington Federal S&L

(11 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Tom Theurkauf 2 0

Friedman, Billings Ramsey

2 Harting/Hain 5 0.41

Lehman Brothers

3 Scott McAdams 4 0.42

Ragen MacKenzie

Washington Mutual

(22 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Joseph Morford 0.27

BT Alex Brown

2 Schroll/Reim 0.34

Piper Jaffray Inc.

3 Kenneth Posner 0.37

Morgan Stanley Dean Witter

CREDIT CARDS

Advanta Corp.

(19 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Merrill Ross 3 0.34

Friedman, Billings Ramsey

2 Tim Willi 2 0.37

A.G. Edwards

3 Michael Freudenstein 5 0.375

J.P. Morgan Securities, Inc.

Capital One Financial

(21 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas Hanley 2 0

UBS Securities, Inc.

2 Tim Willi 2 0.077

A.G. Edwards

3 David Berry 2 0.375

Keefe Bruyette Woods

MBNA Corp.

(22 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Tim Willi 2 0.23

A.G. Edwards

2 Michael Freudenstein 5 0.31

J.P. Morgan Securities, Inc.

3 Susan Roth 5 0.52

Donaldson, Lufkin & Jenrette

GOVERNMENT-SPONSORED

ENTERPRISES

Federal H(19 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Vivek Juneja 5 0

J.P. Morgan Securities, Inc.

- Thomas O'Donnell 5 0

Salomon Smith Barney

3 Diana Yates 4 0

A.G. Edwards

Federal N(20 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Richard Bove 2 0

Raymond James

2 Thomas O'Donnell 5 0.2

Salomon Smith Barney

- Michael Hughes 5 0.2

Merrill Lynch

Student Loan Marketing (12 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas O'Donnell 4 0.39

Salomon Smith Barney

2 Michael Hughes 5 0.42

Merrill Lynch

3 Jonathan Gray 4 0.48

Sanford Bernstein

GENERAL FINANCE AND

PRIVATE MORTGAGE

Aames Financial Corp. (9 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas O'Donnell 4 0.55

Salomon Smith Barney

2 Steven Eisman 5 0.666

CIBC Oppenheimer

3 Joseph Jolson 5 0.667

NationsBanc Montgomery

Securities, Inc.

American Express Co. (11 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Robert Hottensen 5 0.125

Goldman, Sachs

- Susan Roth 5 0.125

Donaldson, Lufkin & Jenrette

3 David Hochstim 5 0.31

Bear Stearns & Co.

Arcadia Financial

(formerly Cityscape Financial) (3 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Charles Wittman 3 0.902

Wheat First Butcher Singer

Associate(17 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Jennifer Oliver Martin 2 0

Morgan Stanley Dean Witter

2 Michael Freudenstein 5 0.38

J.P. Morgan Securities, Inc.

3 Robert Hottensen 5 0.41

Goldman, Sachs

Beneficial Corp.

(15 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Robert Hottensen 5 0.5

Goldman, Sachs

2 Michael Freudenstein 5 0.59

J.P. Morgan Securities, Inc.

3 Jennifer Oliver Martin 5 0.61

Morgan Stanley Dean Witter

ContiFinancial Corp.

(3 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Kevin Spinner 2 0.77

Keefe Bruyette Woods

2 Michael Diana 5 0.89

Bear Stearns

Countrywi(11 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 E. Gareth Plank 4 0.37

UBS Securities, Inc.

2 Steven Eisman 5 0.4

CIBC Oppenheimer

3 Mark Constant 4 0.57

Merrill Lynch

Credit Acceptance Corp. (4 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Steven Eisman 4 0.7

CIBC Oppenheimer

Finova

(12 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Henry Coffey 2 0.655

J.C. Bradford

2 James Thayer 5 0.659

Prudential Securities

3 Jerry Robinson 5 0.66

Stephens, Inc.

Green Tree Financial (18 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Jennifer Oliver Martin 5 0.35

Morgan Stanley Dean Witter

2 Michael Goldberg 5 0.42

Sands Brothers

3 Michael Hughes 5 0.51

Merrill Lynch

HomeSide Inc.

(11 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Thomas O'Donnell 2 0.85

Salomon Smith Barney

IMC Mortgage Co.

(4 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Michael Freudenstein 2 0.75

J.P. Morgan Securities, Inc.

- Kevin Spinner 2 0.75

Keefe Bruyette Woods

Household International (19 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 William Ryan 3 0.45

Salomon Smith Barney

2 Evanson/Burnham 5 0.53

Piper Jaffray Inc.

3 Michael Hughes 5 0.61

Merrill Lynch

Imperial Credit Industries (2 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Gary Gordon 5 0.45

PaineWebber Inc.

United Co(11 analysts)

Rank Analyst/ # of qtrError

firm tested rate

1 Jennifer Scutti 3 0.07

Prudential Securities

2 Joseph Jolson 3 0.444

NationsBanc Montgomery

Securities, Inc.

3 Steven Eisman 3 0.53

CIBC Oppenheimer ===

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