0000891554-02-000841 Sample Contracts

EXHIBIT B TO SCHEDULE 13G JOINT FILING AGREEMENT
Joint Filing Agreement • February 14th, 2002 • Toronto Dominion Bank • Commercial banks, nec

Each of the undersigned persons hereby agrees and consents to this joint filing of Schedule 13G on such person's behalf, pursuant to Section 13(d) and (g) of the Securities and Exchange Act of 1934, as amended, and the rules promulgated thereunder. Each of these persons is not responsible for the completeness or accuracy of the information concerning the other persons making this filing, unless such persons know or have reason to believe that such information is inaccurate.

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