0001074140-02-000166 Sample Contracts

JOINT FILING AGREEMENT
Joint Filing Agreement • November 12th, 2002 • Langley Investment Advisory Group Inc • Services-computer processing & data preparation

Agreement dated as of October 16, 2002 by and between Richard H. Langley, Jr., an individual ("Langley") and Langley Investment Advisory Group, Inc., a Florida corporation ("LIAG"). Langley and LIAG shall collectively be referred to as the "Parties."

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