CUSIP No. 67612W108 AGREEMENT CONCERNING JOINT FILING OF AMENDMENT NO. 1 TO SCHEDULE 13D The undersigned agree as follows: (i) each of them is individually eligible to use Schedule 13D to which this Exhibit is attached, and such Schedule 13D is filed...

CUSIP No. 00000X000

                        AGREEMENT CONCERNING JOINT FILING
                       OF AMENDMENT NO. 1 TO SCHEDULE 13D

            The undersigned agree as follows:

            (i) each of them is individually eligible to use Schedule 13D to
which this Exhibit is attached, and such Schedule 13D is filed on behalf of each
of them; and

            (ii) each of them is responsible for the timely filing of such
Schedule 13D and any amendments thereto, and for the completeness and accuracy
of the information concerning such person contained therein; but none of them is
responsible for the completeness or accuracy of the information concerning the
other person making the filing, unless such person knows or has reason to
believe that such information is inaccurate.

            This Agreement may be executed in any number of counterparts, each
of which shall be deemed to be an original, but all of which, taken together,
shall constitute one and the same instrument.

            Dated November 23, 2004



                                  V. XXXX XXXXX

                                  /s/ V. Xxxx Xxxxx
                                  ----------------------------------------------

                                  1109519 ONTARIO LIMITED

                                  By: /s/ V. Xxxx Xxxxx
                                      ------------------------------------------
                                      Name: V. Xxxx Xxxxx
                                      Title: President

                                  THE SIXTY TWO INVESTMENT
                                  COMPANY LIMITED

                                  By: /s/ V. Xxxx Xxxxx
                                      ------------------------------------------
                                      Name: V. Xxxx Xxxxx
                                      Title: President

                                  810679 ONTARIO LIMITED

                                  By: /s/ V. Xxxx Xxxxx
                                      ------------------------------------------
                                      Name: V. Xxxx Xxxxx
                                      Title: President

                                  FAIRFAX FINANCIAL HOLDINGS LIMITED

                                  By: /s/ Xxxx X. Xxxxxxxx
                                      ------------------------------------------
                                      Name: Xxxx X. Xxxxxxxx
                                      Title: Vice President, Corporate Affairs



                                  FFHL GROUP LTD.

                                  By: /s/ Xxxx X. Xxxxxxxx
                                      ------------------------------------------
                                      Name: Xxxx X. Xxxxxxxx
                                      Title: Vice President

                                  FAIRFAX INC.

                                  By: /s/ Xxxx X. Xxxxxxxx
                                      ------------------------------------------
                                      Name: Xxxx X. Xxxxxxxx
                                      Title: Vice President

                                  FAIRFAX FINANCIAL (US) LLC.

                                  By: /s/ Xxxxxxx X. Xxxxxx
                                      ------------------------------------------
                                      Name: Xxxxxxx X. Xxxxxx
                                      Title: Vice President

                                  TIG HOLDINGS, INC.

                                  By: /s/ R. Xxxxx Xxxxxxx
                                      ------------------------------------------
                                      Name: R. Xxxxx Xxxxxxx
                                      Title: President



                                  TIG INSURANCE GROUP

                                  By: /s/ R. Xxxxx Xxxxxxx
                                      ------------------------------------------
                                      Name: R. Xxxxx Xxxxxxx
                                      Title: President

                                  TIG INSURANCE COMPANY

                                  By: /s/ R. Xxxxx Xxxxxxx
                                      ------------------------------------------
                                      Name: R. Xxxxx Xxxxxxx
                                      Title: President

                                  ORH HOLDINGS INC.

                                  By: /s/ Xxxx X. Xxxxxxxx
                                      ------------------------------------------
                                      Name: Xxxx X. Xxxxxxxx
                                      Title: Vice President

                                  UNITED STATES FIRE INSURANCE COMPANY

                                  By: /s/ Xxxx Xxxx Xxxxxxxxx
                                      ------------------------------------------
                                      Name: Xxxx Xxxx Xxxxxxxxx
                                      Title: Senior Executive Vice President,
                                             Chief Financial Officer & Treasurer