0000898822-02-001377 Sample Contracts

JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, RAMSEY GROUP, INC., ORKNEY HOLDINGS, INC., FRIEDMAN, BILLINGS, RAMSEY INVESTMENT MANAGEMENT, INC., FBR WESTON, LIMITED PARTNERSHIP, ERIC F. BILLINGS, AND EMANUEL J. FRIEDMAN
Joint Filing Agreement • November 15th, 2002 • FBR Asset Investment Corp/Va • Real estate investment trusts

WHEREAS, in accordance with Rule 13d-1(k) under the Securities and Exchange Act of 1934 (the "Act"), only one joint statement and any amendments thereto need to be filed whenever one or more persons are required to file such a statement or any amendments thereto pursuant to Section 13(d) of the Act with respect to the same securities, provided that said persons agree in writing that such statement or amendments thereto is filed on behalf of each of them;

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SHAREHOLDER AGREEMENT
Shareholder Agreement • November 15th, 2002 • FBR Asset Investment Corp/Va • Real estate investment trusts • New York
VOTING AGREEMENT
Voting Agreement • November 15th, 2002 • FBR Asset Investment Corp/Va • Real estate investment trusts • New York
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