EXHIBIT A AGREEMENT TO FILE JOINT SCHEDULE 13D/A We agree, in accordance with SEC Rule 13d-1(f)(1)(iii), that the Amendment No. 3 to Schedule 13D, to which this agreement is attached as an exhibit, is filed on behalf of each of us.Skotdal Arthur W • January 20th, 2000 • Savings institution, federally chartered
Company FiledJanuary 20th, 2000 IndustryWe agree, in accordance with SEC Rule 13d-1(f)(1)(iii), that the Amendment No. 3 to Schedule 13D, to which this agreement is attached as an exhibit, is filed on behalf of each of us.