Joint Filing Agreement dated October 5, 2004, by and among Robert W. Stallings, First Western Capital, LLC, and James R. Reis (incorporated by reference to Exhibit 99.1 to Amendment No. 1 to Schedule 13D, filed on October 7, 2004).

Joint Filing Agreement dated October 5, 2004, by and among Xxxxxx X. Xxxxxxxxx,
First Western Capital, LLC, and Xxxxx X. Xxxx (incorporated by reference
to Exhibit 99.1 to Amendment No. 1 to Schedule 13D, filed on October 7, 2004).