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. FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10, 1999 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 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: August 10, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10, 1999 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 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: October 13, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10October 13, 1999 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 10October 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. FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10February 14, 1999 2000 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- -------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10February 14, 1999 2000 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- -------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 10February 14, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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: January 19, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10January 19, 1999 2000 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 10January 19, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10February 15, 1999 2000 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 10February 15, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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: December 10, 1998 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August December 10, 1999 1998 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August December 10, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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. FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10January 13, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- -------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10January 13, 1999 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- -------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 10January 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. FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August December 10, 1999 1998 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ---------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August December 10, 1999 1998 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ----------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August December 10, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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 14, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10February 14, 1999 2000 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 10February 14, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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. FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August April 10, 1999 2000 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- -------------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August April 10, 1999 2000 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- -------------------------------------- Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August April 10, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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: April 10, 2000 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August April 10, 1999 2000 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August April 10, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- 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: June 16, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: August 10, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: August 10June 16, 1999 ORKNEY HOLDINGS, INC. By: /s/ Xxxx X. Xxxxxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxx X. Xxxxxxxxxx Title: President Dated: August 10June 16, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- ------------------------------------------ Xxxx X. Xxxxxxxx