JOINT FILING AGREEMENT
JOINT FILING AGREEMENT made as of this 28th day of January, 2005 by and
among ▇▇▇▇ ▇. ▇▇▇▇▇▇▇ ("▇. ▇▇▇▇▇▇▇"), ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ("▇. ▇▇▇▇▇▇▇"), SDS
PARTNERS I, LTD., a Florida limited partnership ("SDS"), BOXWOOD FLTD PARTNERS,
a Delaware limited partnership ("Boxwood"), ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ("▇. ▇▇▇▇▇▇▇"),
▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ("▇. ▇▇▇▇▇▇▇") and ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇ ("▇▇▇▇▇▇▇▇▇").
WHEREAS, ▇. ▇▇▇▇▇▇▇, ▇. ▇▇▇▇▇▇▇, SDS, Boxwood, ▇. ▇▇▇▇▇▇▇, ▇. ▇▇▇▇▇▇▇ and
▇▇▇▇▇▇▇▇▇ collectively beneficially own more than five (5%) percent of the
issued and outstanding common stock, $.01 par value of DCAP Group, Inc., a
Delaware corporation ("DCAP"); and
WHEREAS, pursuant to Section 13(g) of the Securities Exchange Act of 1934,
as amended and the rules and regulations promulgated thereunder, the parties
hereto are required to file a Schedule 13D with the Securities and Exchange
Commission ("SEC").
NOW, THEREFORE, the parties agree as follows:
1. Seibald, ▇. ▇▇▇▇▇▇▇, SDS, Boxwood, ▇. ▇▇▇▇▇▇▇, ▇. ▇▇▇▇▇▇▇ and ▇▇▇▇▇▇▇▇▇
hereby agree to jointly file a Schedule 13D with the SEC regarding the
beneficial ownership of DCAP Common Stock and to file any and all amendments and
supplements thereto.
2. This Agreement contains the entire agreement among the parties
concerning the subject matter hereof and may not be amended, modified or changed
except pursuant to a written instrument signed by all parties.
Remainder of page intentionally left blank. Signature page follows.
IN WITNESS WHEREOF, the parties have signed this Agreement the day and year
first above written.
/s/ ▇▇▇▇ ▇. ▇▇▇▇▇▇▇
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▇▇▇▇ ▇. ▇▇▇▇▇▇▇
/s/ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
SDS PARTNERS I, LTD.
By: /s/ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, General Partner
By: /s/ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, General Partner
BOXWOOD FLTD PARTNERS
By: /s/ ▇▇▇▇ ▇. ▇▇▇▇▇▇▇
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▇▇▇▇ ▇. ▇▇▇▇▇▇▇, General Partner
By: /s/ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, General Partner
/s/ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
/s/ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇
By: /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇
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