0001065407-02-000004 Sample Contracts

JOINT FILING AGREEMENT
Joint Filing Agreement • January 4th, 2002 • Value Partners LTD /Tx/ • Short-term business credit institutions

Pursuant to Rule 13d-1(f)(1) under the Securities Exchange Act of 1934, as amended, each of the undersigned hereby enter into this Joint Filing Agreement dated as of January 3, 2002 and agree that the Schedule 13D regarding Harbourton Financial Corporation to which this Agreement is being filed as an exhibit shall be a joint statement filed on behalf of each of the undersigned.

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