EXHIBIT 1
JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, XXXXXX GROUP, INC.,
FBR INVESTMENT MANAGEMENT, INC., XXXX X. XXXXXXXX, AND XXXXXXX X. XXXXXXXX
WHEREAS, in accordance with Rule 13d-1(k) under the Securities and Exchange
Act of 1934 (the "Act"), only one joint statement and any amendments thereto
need to be filed whenever one or more persons are required to file such a
statement or any amendments thereto pursuant to Section 13(d) of the Act with
respect to the same securities, provided that said persons agree in writing that
such statement or amendments thereto is filed on behalf of each of them;
NOW, THEREFORE, the parties hereto agree as follows:
FRIEDMAN, BILLINGS, XXXXXX GROUP, INC., FBR INVESTMENT MANAGEMENT, INC.,
XXXX X. XXXXXXXX, AND XXXXXXX X. XXXXXXXX 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: December 9, 2003 By: /s/ XXXXXXX X. XXXXXXXX
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Name: Xxxxxxx X. Xxxxxxxx
Title: Co-Chairman and Co-Chief Executive
Officer
FBR INVESTMENT MANAGEMENT, INC.
Dated: December 9, 2003 By: /s/ Xxxx X. Xxxxxxxx
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Name: Co-Chairman and Co-Chief Executive
Title: Officer
Dated: December 9, 2003 /s/ XXXX X. XXXXXXXX
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Xxxx X. Xxxxxxxx
Dated: December 9, 2003 /s/ XXXXXXX X. XXXXXXXX
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Xxxxxxx X. Xxxxxxxx
