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I thought only certified coins can use a numerical grade on ebay......

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MS64: The strike is average and preferably slightly better than average. Luster should be at least average for the issue. Full mint luster is not required. Average strike for the issue. Bagmarks are present, sometimes heavier than others.

http://www.pcgs.com/News/A-Quick-Reference-Guide-To-Grading-Mint-State-Coins

 

Average or better strike with several obvious marks or hairlines and other miniscule imperfections.

https://www.ngccoin.com/coin-grading/grading-scale/

526x297-VhV.jpg

 

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