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To: Glenn D. Rudolph who wrote (105114)	6/19/2000 10:41:00 AM
From: H James Morris	Read Replies (1) \| Respond to of 164685

Here's an example of Kiggens work. Btw He had a buy on Eeln on 4-28-00. >Main \| Daily Research \| Weekly Review \| Monthly Analysis \| Investment Ideas \| Reports \| Search E-LOAN (EELN: $15.88)*+ 01/28/2000 E-Loan Releases Strong Q4 Results Earnings Per Share Old New P/E Ratios (FY:Dec.) 2000E $(0.91) $(0.98) NM 1999A (1.09) (1.08) NM 1998A (0.37) NM Rating: BUY Change: None 12-Mo. Target: $70 E-Loan reported strong December quarter results with revenue of $7.7 million, up 53% q/q, and $1.2 million above our $6.5 million estimate, with EPS of ($0.28), versus our two-penny-above-consensus estimate of ($0.29). Purchase mortgages accounted for 63% of funded loans, up from 50% in Q3 and 4% Y/Y. CarFinance.com accounted for $2.4 million, or 31% of revenue. Maintaining 2000 revenue estimate at $41.3 million and increasing EPS loss from ($0.91) to ($0.96) as E-Loan continues to invest in the business. Reiterate Buy rating. E-Loan's business continues to evolve and expand. >E-LOAN (EELN: $5.75) 6/7/00 Initiating Coverage with a Mkt Perform Rating and $7 Target Earnings Per Share Old New P/E Ratios (FY:Dec.) 2001E $ $(0.75) -7.7 2000E (0.88) -6.5 1999A (1.09) -5.3 Rating: MARKET PERF. Change: None 12-Mo. Target: $7 We are initiating coverage of E-Loan with a Market Perform rating and a 12-month target of $7. E-Loan was an early mover in providing online mortgages and garnered an estimated 7% market share in 1999. Through its acquisition of CarFinance.com, EELN has also established itself as a leader in the online auto finance business. Given the current interest rate environment and expected contraction in the mortgage market, we are reluctant to recommend the shares at this time.

To: Glenn D. Rudolph who wrote (105114)	6/19/2000 10:47:00 AM
From: H James Morris	Read Replies (1) \| Respond to of 164685

Glenn, I'm assuming Billy and the new economy boys are celebrating the big move up today on S1 (sone). Btw Kiggen has a $45 price target on S1, but doesn't recommend buying the stock. >S1 CORPORATION (SONE: $38.92) 6/7/00 Initiating Coverage w/Mkt Perform Rating and $45 Target Earnings Per Share Old New P/E Ratios (FY:Dec.) 2001E $ $(6.62) -5.9 2000E (7.48) -5.2 1999A (4.28) -9.1 Rating: MARKET PERF. Change: None 12-Mo. Target: $45 We are initiating coverage of S1 with a Market Perform rating and a 12-month target of $45. S1 is a leading provider of reliable, affordable, quick-to-market Web banking and other solutions for financial institutions of all sizes. The market for S1's services is highly competitive and we expect the company to aggressively bid for the few remaining opportunities among large U.S. banks. Given the optimistic growth expectations, we are not recommending the shares at this time.