Fbr Asset Investment Corp/Va Watch

from SC 13G/A 2 pages Agreement

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: September 11, 2002 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: September 11, 2002 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: September 11, 2002 /S/ Eric F. Billings Eric F. Billings /S/ Emanuel J. Friedman Dated: September 11, 2002 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. Date: July 10, 2002 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Orkney Holdings, Inc. Date: July 10, 2002 By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Date: July 10, 2002 /S/ Eric F. Billings Eric F. Billings Date: July 10, 2002 /S/ Emanuel J. Friedman Emanuel J. Friedman

from 8-K ~50 pages Underwriting Agreement

from 8-K ~50 pages Underwriting Agreement

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, 2002 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: February 14, 2002 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: February 14, 2002 /S/ Eric F. Billings Eric F. Billings /S/ Emanuel J. Friedman Dated: February 14, 2002 Emanuel J. Friedman

from 8-K ~50 pages Underwriting Agreement

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Fbr Asset Investment Corporation, 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: Fbr Asset Investment Corporation, 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. Fbr Asset Investment Corporation Dated: February 8, 2002 By: /S/ Eric F. Billings Name: Eric F. Billings Title: Chairman & Chief Executive Officer Dated: February 8, 2002 By: /S/ Eric F. Billings Eric F. Billings Title: Chairman & Chief Executive Officer Dated: February 8, 2002 /S/ Emanuel J. Friedman Emanuel J. Friedman Title: Director

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: September 13, 2001 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: September 13, 2001 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: September 13, 2001 /S/ Eric F. Billings Eric F. Billings /S/ Emanuel J. Friedman Dated: September 13, 2001 Emanuel J. Friedman /S/ W. Russell Ramsey Dated: September 13, 2001 W. Russell Ramsey

from S-11MEF ~50 pages Underwriting agreement

from S-11/A ~50 pages Underwriting agreement

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: May 14, 2001 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: May 14, 2001 Orkney Holdings, Inc. By: /S/ Kurt R. Harrington Name: Kurt R. Harrington Title: President Dated: May 14, 2001 /S/ Eric F. Billings Eric F. Billings /S/ Emanuel J. Friedman Dated: May 14, 2001 Emanuel J. Friedman /S/ W. Russell Ramsey Dated: May 14, 2001 W. Russell Ramsey

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 /S/ Emanuel J. Friedman Dated: February 15, 2001 Emanuel J. Friedman /S/ W. Russell Ramsey Dated: February 15, 2001 W. Russell Ramsey

from SC 13G/A ~5 pages Joint Filing Agreement