Exhibit 1
JOINT FILING AGREEMENT
In accordance with Rule 13d-1(k) promulgated under the Exchange Act,
the undersigned hereby agree to the joint filing with each other on
behalf of each of them a statement on Schedule 13D with respect to
the Common Stock deemed to be beneficially owned by each of them.
The undersigned further agree that each party hereto is responsible
for the timely filing of such statement on Schedule 13D and any
amendments thereto, and for the completeness or accuracy of the
information concerning such party contained therein; provided,
however, that no party is responsible for the completeness or
accuracy of the information contained therein concerning any
other party, unless such party knows or has reason to believe
that such information is inaccurate.
IN WITNESS WHEREOF, the undersigned have executed this Joint
Filing Agreement as of the 16th day of January, 2004.
XXXXXXXXX & XXXXX GROUP
By: /s/ Xxxxxx X. Xxxxxxxxxx
Name: Xxxxxx X. Xxxxxxxxxx
Title: Vice President
XXXXXXXXX & XXXXX CALIFORNIA
By: /s/ Xxxxxx X. Xxxxxxxxxx
Name: Xxxxxx X. Xxxxxxxxxx
Title: General Counsel
XXXXXXXXX & XXXXX GUARANTY FINANCE, LLC
By: /s/ Xxxxx Xxxxxx
Name: Xxxxx Xxxxxx
Title: Member of the Management Committee
/s/ Xxxxxx X. Xxxxxxxx
Xxxxxx X. Xxxxxxxx
GUARANTY FINANCE MANAGEMENT, LLC
By: /s/ Xxxxxx X. Xxxxxxxx
Xxxxxx X. Xxxxxxxx
Chief Executive Officer and Manager
