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: March 15, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: Xxxxx 00, 0000 XXX XXXXX INVESTMENT CORPORATION By: /s/ Xxxxxxx X. Xxxxxxx ---------------------------------- Name: Xxxxxxx X. Xxxxxxx Title: Executive Vice President Dated: March 15, 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: December 23, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: March 15, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: Xxxxx 00December 23, 0000 XXX XXXXX 1999 FBR ASSET INVESTMENT CORPORATION By: /s/ Xxxxxxx X. Xxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxx Title: Executive Vice President Dated: March 15December 23, 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: March 15December 23, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: Xxxxx 00December 23, 0000 XXX XXXXX 1999 FBR ASSET INVESTMENT CORPORATION By: /s/ Xxxxxxx X. Xxxxxxx ---------------------------------- Name: Xxxxxxx X. Xxxxxxx Title: Executive Vice President Dated: March 15December 23, 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: March 15, 1999 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. Dated: March 15, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: Xxxxx 00, 0000 XXX XXXXX INVESTMENT CORPORATION By: /s/ Xxxxxxx X. Xxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxx Title: Executive Vice President Dated: March 15, 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: March 15February 16, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: Xxxxx 00February 16, 0000 XXX XXXXX 1999 FBR ASSET INVESTMENT CORPORATION By: /s/ Xxxxxxx X. Xxxxxxx ---------------------------------- Name: Xxxxxxx X. Xxxxxxx Title: Executive Vice President Dated: March 15February 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: March 15, 1999 By: /s/ Xxxxxxx X. Xxxxxxxx --------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: Xxxxx 00February 16, 0000 XXX XXXXX 1999 FBR ASSET INVESTMENT CORPORATION By: /s/ Xxxxxxx X. Xxxxxxx ---------------------------------- ------------------------------------------ Name: Xxxxxxx X. Xxxxxxx Title: Executive Vice President Dated: March 15February 16, 1999 /s/ Xxxx X. Xxxxxxxx ---------------------------------- ------------------------------------------ Xxxx X. Xxxxxxxx