Cfi Mortgage Inc Watch

from SC 13G 1 page Exhibit 1 Joint Filing Agreement in Accordance With Rule 13d-1(k) Promulgated Under the Securities Exchange Act of 1934, as Amended, the Persons Named Below Agree to the Joint Filing on Behalf of Each of Them of a Statement on Schedule 13g (Including Amendments Thereto) With Respect to the Shares of Common Stock of Cfi Mortgage, Inc., and Further Agree That This Joint Filing Agreement Expressly Authorizes Each Other Party to Execute, Deliver and File on Its Behalf Such Statement and Any and All Amendments Thereto. This Joint Filing Agreement May Be Executed in Two or More Counterparts, Each of Which Shall Be Deemed an Original, but All of Which Together Shall Constitute One and the Same Instrument. in Evidence Thereof the Undersigned, Being Duly Authorized, Hereby Execute This Joint Filing Agreement as of April 9, 2001. Nikko Financial Services, Inc. By: /S/ Masao Matsuda Name: Masao Matsuda Title: Member, Board of Directors Nikko Americas Holding Co., Inc. By: /S/ Masao Matsuda Name: Masao Matsuda Title: Chairman of the Board of Directors and President Nikko Securities Global Holdings Ltd. By: Name: Title: The Nikko Securities Co. Ltd. By: Name: Title

from NT 10-K 1 page Exhibit 1 Exhibit to Form 12b-25 Grant Thornton Llp Hereby States That They Are Unable to Furnish the Audit Report on the Consolidated Financial Statements of Cfi Mortgage, Inc. for the Fiscal Year Ended December 31, 1997 Because They Have Not Yet Received All of the Information Required to Be Able to Give Their Report. This Statement May Be Filed as an Exhibit to the Form 12b-25 Notification of Late Filings of Cfi Mortgage, Inc. Dated: March 31, 1998 /S/ Grant Thornton Llp Grant Thornton Llp