Common use of XXXXXXXX AND W Clause in Contracts

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15, 2000 ------------------------------------------ Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: October 13, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15October 13, 2000 ------------------------------------------ 1998 By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Dated: October 13, 1998 By: /s/ XXXXXXX X. XXXXXXXX ---------------------------------- Xxxxxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 15, 2000 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15, 2000 ------------------------------------------ /s/ Xxxx X. Xxxxxxxx ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 16, 1999 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 1516, 2000 ------------------------------------------ 1999 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 16, 1999 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 1516, 2000 ------------------------------------------ 1999 ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 15, 2001 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15, 2000 ------------------------------------------ 2001 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 14, 2000 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 1514, 2000 ------------------------------------------ ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: June 16, 1999 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15June 16, 2000 ------------------------------------------ 1999 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: July 22, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15July 22, 2000 ------------------------------------------ 1998 XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 13, 2001 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15August 13, 2000 ------------------------------------------ 2001 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: December 10, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15December 10, 2000 ------------------------------------------ 1998 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: August 10, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15August 10, 2000 ------------------------------------------ 1998 XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: July 26, 1999 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15July 26, 2000 ------------------------------------------ 1999 ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15April 10, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15April 10, 2000 ------------------------------------------ Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: March 13, 2000 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15March 13, 2000 ------------------------------------------ ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: December 10, 1998 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15December 10, 2000 ------------------------------------------ 1998 ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: September 10, 1999 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15September 10, 2000 ------------------------------------------ 1999 ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 10, 2000 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15April 10, 2000 ------------------------------------------ /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: September 10, 1999 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15September 10, 2000 ------------------------------------------ 1999 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: July 13, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15July 13, 2000 ------------------------------------------ 1998 XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: May 28, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15May 28, 2000 ------------------------------------------ 1998 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: June 16, 1999 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15June 16, 2000 ------------------------------------------ 1999 ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 10, 2000 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15April 10, 2000 ------------------------------------------ /s/ Xxxx X. Xxxxxxxx ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: June 11, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15June 11, 2000 ------------------------------------------ 1998 XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 10, 2000 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15April 10, 2000 ------------------------------------------ ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: June 12, 2000 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15June 12, 2000 ------------------------------------------ ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15June 12, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15June 12, 2000 ------------------------------------------ Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: October 13, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15October 13, 2000 ------------------------------------------ 1998 By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: May 11, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15May 11, 2000 ------------------------------------------ 1998 XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: November 10, 1999 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15November 10, 2000 ------------------------------------------ 1999 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 12, 2001 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15April 12, 2000 ------------------------------------------ 2001 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15March 10, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15March 10, 2000 ------------------------------------------ Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: July 14, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15July 14, 2000 ------------------------------------------ 1998 XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 17, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15April 17, 2000 ------------------------------------------ 1998 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: March 10, 2000 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15March 10, 2000 ------------------------------------------ /s/ Xxxx X. Xxxxxxxx ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: November 10, 1999 By: ------------------------------------------ --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15November 10, 2000 ------------------------------------------ 1999 ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: June 12, 2000 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15June 12, 2000 ------------------------------------------ /s/ Xxxx X. Xxxxxxxx ---------------------------------- Xxxx X. Xxxxxxxx

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: September 11, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15September 11, 2000 ------------------------------------------ 1998 XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee

XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating to their ownership of Common Stock of the Issuer and do hereby further agree that said statement shall be filed on behalf of each of them. Dated: February 15, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: July 14, 1998 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 15July 14, 2000 ------------------------------------------ 1998 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. XxxxxxxxXxxxxxxx Trustee