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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16, 1999 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16, 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 16October 13, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16October 13, 1999 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16October 13, 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 16August 10, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16August 10, 1999 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16August 10, 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16August 10, 1999 ORKNEY HOLDINGS, INC. By: ------------------------------------------ /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16August 10, 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 10, 2000 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16, 1999 ORKNEY HOLDINGS, INC. Dated: April 10, 2000 By: ------------------------------------------ /s/ XXXX X. XXXXXXXXXX --------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16April 10, 1999 ------------------------------------------ 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 1615, 1999 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 1615, 1999 2000 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 1615, 1999 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 1614, 1999 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 1614, 1999 2000 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 1614, 1999 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 10, 2000 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16April 10, 1999 2000 ORKNEY HOLDINGS, INC. By: ------------------------------------------ /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16April 10, 1999 ------------------------------------------ 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: December 10, 1998 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16December 10, 1999 1998 ORKNEY HOLDINGS, INC. By: ------------------------------------------ /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16December 10, 1999 ------------------------------------------ 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16, 1999 ORKNEY HOLDINGS, INC. FBR ASSET INVESTMENT CORPORATION By: ------------------------------------------ Name: Xxxx Xxxxxxx X. Xxxxxxxxxx Xxxxxxx Title: Executive Vice President Dated: February 16, 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: April 10, 2000 By: ------------------------------------------ -------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16April 10, 1999 2000 ORKNEY HOLDINGS, INC. By: ------------------------------------------ -------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16April 10, 1999 ------------------------------------------ 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 16, 1999 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16, 1999 ORKNEY HOLDINGS, INC. FBR ASSET INVESTMENT CORPORATION By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxx ---------------------------------- Name: Xxxx Xxxxxxx X. Xxxxxxxxxx Xxxxxxx Title: Executive Vice President Dated: February 16, 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 16April 10, 1999 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16April 10, 1999 2000 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16April 10, 1999 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: January 13, 1999 By: ------------------------------------------ -------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16January 13, 1999 ORKNEY HOLDINGS, INC. By: ------------------------------------------ -------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16January 13, 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 16December 10, 1999 1998 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16December 10, 1999 1998 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16December 10, 1999 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 June 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February June 16, 1999 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February June 16, 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: January 13, 1999 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16, 1999 ORKNEY HOLDINGS, INC. Dated: January 13, 1999 By: ------------------------------------------ /s/ XXXX X. XXXXXXXXXX --------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16January 13, 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: December 10, 1998 By: ------------------------------------------ ---------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16December 10, 1999 1998 ORKNEY HOLDINGS, INC. By: ------------------------------------------ ----------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16December 10, 1999 ------------------------------------------ 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 15, 2001 By: ------------------------------------------ /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 1615, 1999 ORKNEY HOLDINGS0000 XXXXXX XXXXXXXX, INC. By: ------------------------------------------ /s/ XXXX X. XXXXXXXXXX ---------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 1615, 1999 ------------------------------------------ 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: June 16, 1999 By: ------------------------------------------ /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February June 16, 1999 ORKNEY HOLDINGS, INC. By: ------------------------------------------ /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February June 16, 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 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: February 14, 2000 By: ------------------------------------------ -------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 1614, 1999 2000 ORKNEY HOLDINGS, INC. By: ------------------------------------------ -------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 1614, 1999 ------------------------------------------ 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 16January 19, 1999 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. By: ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 16January 19, 1999 2000 ORKNEY HOLDINGS, INC. By: ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: February 16January 19, 1999 2000 ------------------------------------------ Xxxx X. Xxxxxxxx