Altiva Financial Corp Watch

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, and Emanuel J. Friedman Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, and Emanuel J. Friedman Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: February 14, 2003 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: February 14, 2003 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: February 14, 2003 /S/ Eric F. Billings Eric F. Billings Dated: February 14, 2003 /S/ Emanuel J. Friedman Emanuel J. Friedman

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, and Emanuel J. Friedman Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, and Emanuel J. Friedman Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: December 9, 2002 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: December 9, 2002 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: December 9, 2002 /S/ Eric F. Billings Eric F. Billings Dated: December 9, 2002 /S/ Emanuel J. Friedman Emanuel J. Friedman

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, and Emanuel J. Friedman Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, and Emanuel J. Friedman Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: February 13, 2002 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: February 13, 2002 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: February 13, 2002 /S/ Eric F. Billings Eric F. Billings Dated: February 13, 2002 /S/ Emanuel J. Friedman Emanuel J. Friedman

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: February 15, 2001 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: February 15, 2001 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: February 15, 2001 /S/ Eric F. Billings Eric F. Billings Dated: February 15, 2001 /S/ Emanuel J. Friedman Emanuel J. Friedman Dated: February 15, 2001 /S/ W. Russell Ramsey W. Russell Ramsey

from SC 13G/A 1 page Exhibit 1 - Original Signature Page Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Orkney Holdings, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: December 10, 1998 By: Name: Emanuel J. Friedman Title: Chairman Dated: December 10, 1998 Orkney Holdings, Inc. By: Name: Kurt R. Harrington Title: President Dated: December 10, 1998 Eric F. Billings Dated: December 10, 1998 Emanuel J. Friedman Dated: December 10, 1998 W. Russell Ramsey

from SC 13G/A 1 page Joint Filing Agreement

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: October 13, 1998 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: October 13, 1998 By: /S/ Eric F. Billings Eric F. Billings Dated: October 13, 1998 By: /S/ Emanuel J. Friedman Emanuel J. Friedman S Dated: October 13, 1998 By: /S/ W. Russell Ramsey W. Russell Ramsey

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman Billings Ramsey Group, Inc., Friedman Billings Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman Billings Ramsey Group, Inc., Friedman Billings Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman Billings Ramsey Group, Inc. Dated: August 10, 1998 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: August 10, 1998 Friedman Billings Ramsey Group, Inc. Voting Trust By: /S/ Eric F. Billings Eric F. Billings Trustee By: /S/ Emanuel J. Friedman Emanuel J. Friedman Trustee By: /S/ W. Russell Ramsey W. Russell Ramsey Trustee Dated: August 10, 1998 By: /S/ Eric F. Billings Eric F. Billings Dated: August 10, 1998 By: /S/ Emanuel J. Friedman Emanuel J. Friedman Dated: August 10, 1998 By: /S/ W. Russell Ramsey W. Russell Ramsey

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman Billings Ramsey Group, Inc., Friedman Billings Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman Billings Ramsey Group, Inc., Friedman Billings Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman Billings Ramsey Group, Inc. Dated: July 22, 1998 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: July 22, 1998 Friedman Billings Ramsey Group, Inc. Voting Trust By: /S/ Eric F. Billings Eric F. Billings Trustee By: /S/ Emanuel J. Friedman Emanuel J. Friedman Trustee By: /S/ W. Russell Ramsey W. Russell Ramsey Trustee Dated: July 22, 1998 By: /S/ Eric F. Billings Eric F. Billings Dated: July 22, 1998 By: /S/ Emanuel J. Friedman Emanuel J. Friedman Dated: July 22, 1998 By: /S/ W. Russell Ramsey W. Russell Ramsey

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman Billings Ramsey Group, Inc., Friedman Billings Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman Billings Ramsey Group, Inc., Friedman Billings Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman Billings Ramsey Group, Inc. Dated: May 11, 1998 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: May 11, 1998 Friedman Billings Ramsey Group, Inc. Voting Trust By: /S/ Eric F. Billings Eric F. Billings Trustee By: /S/ Emanuel J. Friedman Emanuel J. Friedman Trustee By: /S/ W. Russell Ramsey W. Russell Ramsey Trustee Dated: May 11, 1998 By: /S/ Eric F. Billings Eric F. Billings Dated: May 11, 1998 By: /S/ Emanuel J. Friedman Emanuel J. Friedman Dated: May 11, 1998 By: /S/ W. Russell Ramsey W. Russell Ramsey

from SC 13G/A 1 page <page> 1 Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Friedman, Billings, Ramsey Group, Inc. Voting Trust Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(f) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Friedman, Billings, Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(f) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: May 1, 1998 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: May 1, 1998 Friedman, Billings, Ramsey Group, Inc. Voting Trust By: /S/ Eric F. Billings Eric F. Billings Trustee By: /S/ Emanuel J. Friedman Emanuel J. Friedman Trustee By: /S/ W. Russell Ramsey W. Russell Ramsey Trustee By: /S/ Eric F. Billings Dated: May 1, 1998 Eric F. Billings By: /S/ Emanuel J. Friedman Dated: May 1, 1998 Emanuel J. Friedman By: /S/ W. Russell Ramsey Dated: May 1, 1998 W. Russell Ramsey

from SC 13G/A 1 page <page> 1 Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Friedman, Billings, Ramsey Group, Inc. Voting Trust Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(f) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Friedman, Billings, Ramsey Group, Inc. Voting Trust, Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(f) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: February 27, 1998 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: February 27, 1998 Friedman, Billings, Ramsey Group, Inc. Voting Trust By: /S/ Eric F. Billings Eric F. Billings Trustee By: /S/ Emanuel J. Friedman Emanuel J. Friedman Trustee By: /S/ W. Russell Ramsey W. Russell Ramsey Trustee By: /S/ Eric F. Billings Dated: February 27, 1998 Eric F. Billings By: /S/ Emanuel J. Friedman Dated: February 27, 1998 Emanuel J. Friedman By: /S/ W. Russell Ramsey Dated: February 27, 1998 W. Russell Ramsey

from SC 13G 1 page <page> 1 Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(f) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(f) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: February 19, 1998 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman By: /S/ Eric F. Billings Dated: February 19, 1998 Eric F. Billings By: /S/ Emanuel J. Friedman Dated: February 19, 1998 Emanuel J. Friedman By: /S/ W. Russell Ramsey Dated: February 19, 1998 W. Russell Ramsey

from S-1/A ~20 pages Underwriters Agreement

from S-1/A ~20 pages Underwriting agreement