0000899681-07-000109 Sample Contracts

Contract
Joint Filing Agreement • February 14th, 2007 • RAM Holdings Ltd. • Surety insurance

The undersigned hereby agree that the Statement on Schedule 13G filed herewith with respect to the common shares of RAM Holdings Ltd. (and any amendments thereto) is being filed jointly with the Securities and Exchange Commission pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended, on behalf of each such person.

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