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: May 28, 1998 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: May 28, 1998 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Trustee

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, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: May 28September 11, 1998 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: May 28September 11, 1998 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Trustee

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, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: May 2811, 1998 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: May 2811, 1998 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Trustee

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: May 28April 17, 1998 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: May 28April 17, 1998 FRIEDMAN, BILLINGS, XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Trustee

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, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. Dated: May 28June 11, 1998 By: /s/ XXXXXXX X. XXXXXXXX --------------------------------- Name: Xxxxxxx X. Xxxxxxxx Title: Chairman Dated: May 28June 11, 1998 FRIEDMAN, BILLINGS, XXXXXXXX XXXXXXXX XXXXXX GROUP, INC. VOTING TRUST By: /s/ XXXX X. XXXXXXXX ---------------------------------- Xxxx X. Xxxxxxxx Trustee