EXHIBIT TO SCHEDULE 13D DATED MAY 28, 2002 H. ANDREW TORCHIA, RICHARD A. D'ONOFRIO AND URBAN 2000 CORP. JOINT FILING AGREEMENT

                             EXHIBIT TO SCHEDULE 13D
                               DATED MAY 28, 2002
                     H. XXXXXX XXXXXXX, XXXXXXX X. X'XXXXXXX
                                       AND
                                URBAN 2000 CORP.


                             JOINT FILING AGREEMENT

         H. Xxxxxx Xxxxxxx ("Xxxxxxx"), Xxxxxxx X. X'Xxxxxxx ("X'Xxxxxxx") and
Urban 2000 Corp., a Delaware corporation ("Urban") hereby agree that the
Schedule 13D to which this statement is attached is filed on behalf of Xxxxxxx,
X'Xxxxxxx and Urban and that any amendments to this amendment to Schedule 13D
may be filed on behalf of Xxxxxxx, X'Xxxxxxx and Urban.

May 28, 2002


                                                /s/ H. Xxxxxx Xxxxxxx
                                                --------------------------------
                                                H. Xxxxxx Xxxxxxx


                                                /s/ Xxxxxxx X. X'Xxxxxxx
                                                --------------------------------
                                                Xxxxxxx X. X'Xxxxxxx


                                                URBAN 2000 CORP.

                                                By:   /s/ H. Xxxxxx Xxxxxxx
                                                      --------------------------
                                                      H. Xxxxxx Xxxxxxx
                                                      President