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: February 14, 2000 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 14, 2000 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Dated: February 14, 2000 /s/ XXXXXXX X. XXXXXXXX ---------------------------------- Xxxxxxx X. Xxxxxxxx Dated: February 14, 2000 /s/ W. XXXXXXX XXXXXX ---------------------------------- W. Xxxxxxx Xxxxxx

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: February 14June 12, 2000 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 14June 12, 2000 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Dated: February 14June 12, 2000 /s/ XXXXXXX X. XXXXXXXX ---------------------------------- Xxxxxxx X. Xxxxxxxx Dated: February 14June 12, 2000 /s/ W. XXXXXXX XXXXXX ---------------------------------- W. Xxxxxxx Xxxxxx

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: February 14March 13, 2000 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 14March 13, 2000 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Dated: February 14March 13, 2000 /s/ XXXXXXX X. XXXXXXXX ---------------------------------- Xxxxxxx X. Xxxxxxxx Dated: February 14March 13, 2000 /s/ W. XXXXXXX XXXXXX ---------------------------------- W. Xxxxxxx Xxxxxx

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: February 14July 26, 2000 1999 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: February 14July 26, 2000 1999 /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Dated: February 14July 26, 2000 1999 /s/ XXXXXXX X. XXXXXXXX ---------------------------------- Xxxxxxx X. Xxxxxxxx Dated: February 14July 26, 2000 1999 /s/ W. XXXXXXX XXXXXX ---------------------------------- W. Xxxxxxx Xxxxxx