Eric E Wasserstrom............UBS Warburg
                                                                Last updated February 11, 2003

****** PROV FIN (NYSE:PVN)**********
Reiterated BUY....Feb 11, 2003

Price Target $11.00

PVN Price day before: $6.48Finish day of posting:$6.29Current:$7.90

--------September 18, 2002--------   

New BUY

Price Target $7.00 (Hit Target January 06, 2003)

PVN Price day before: $5.09Finish day of posting:$4.78Current:$7.90  

********* CAP ONE FINAN (NYSE:COF)*********
Downgraded to BUY from  STRONG  BUY...December 04, 2002

Price Target $47.00

COF Price day before: $34.00Finish day of posting:$34.48Current:$32.08

********* AMER EXPRESS CO (NYSE:AXP)**********
New HOLD ....September 18, 2002

Price Target $38.00 (Hit Target November 04, 2002)

AXP Price day before: $33.25Finish day of posting:$32.46Current:$36.65

******* MBNA CORP (NYSE:KRB)**********
New HOLD....September 18, 2002

Price Target $20.00 (Hit Target October 18, 2002)

KRB Price day before: $19.07Finish day of posting:$19.19Current:$19.74
******* METRIS COMPANIES (NYSE:MXT)***********
New HOLD....September 18, 2002   

Price Target $4.00 (Hit Target November 25, 2002)

MXT Price day before: $3.00Finish day of posting:$2.79Current:$1.90
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