Nal Financial Group Inc Watch

from SC 13D/A 1 page Joint Filing Agreement This Will Confirm the Agreement by and Among All the Undersigned That the Amendment No. 4 to Schedule 13d Filed on or About This Date With Respect to the Beneficial Ownership of the Undersigned of Shares of the Common Stock, $.15 Par Value, of Nal Financial Group, Inc. Is Being Filed on Behalf of Each of the Undersigned. This 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. Date: November 10, 1998. Conseco, Inc. By:/S/James S. Adams James S. Adams, Senior Vice President Cihc, Incorporated By:/S/David Hill David Hill, Vice President and Assistant Secretary Conseco Private Capital Group, Inc. By:/S/James S. Adams James S. Adams, Senor Vice President

from SC 13D/A 1 page Joint Filing Agreement This Will Confirm the Agreement by and Among All the Undersigned That the Schedule 13d Filed on or About This Date With Respect to the Beneficial Ownership of the Undersigned of Shares of the Common Stock, $.15 Par Value, of Nal Financial Group Inc. Is Being Filed on Behalf of Each of the Undersigned. This 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. Dated: August 26, 1997 Conseco, Inc. By: /S/Donald F. Gongaware Donald F. Gongaware, Executive Vice President Conseco Private Capital Group, Inc. By: /S/Michael F. Bonnet Michael F. Bonnet, Vice President Beneficial Standard Life Insurance Company By: /S/Donald F. Gongaware Donald F. Gongaware, President Great American Reserve Life Insurance Company By: /S/Donald F. Gongaware Donald F. Gongaware, President

from SC 13D/A 1 page Joint Filing Agreement This Will Confirm the Agreement by and Among All the Undersigned That the Schedule 13d Filed on or About This Date With Respect to the Beneficial Ownership of the Undersigned of Shares of the Common Stock, $.15 Par Value, of Nal Financial Group Inc. Is Being Filed on Behalf of Each of the Undersigned. This 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. Dated: July 7, 1997 Conseco, Inc. By:/S/ Ngaire E. Cuneo Ngaire E. Cuneo, Executive Vice President Conseco Private Capital Group, Inc. By:/S/ Ngaire E. Cuneo Ngaire E. Cuneo, President Beneficial Standard Life Insurance Company By:/S/Rollin M. Dick Rollin M. Dick, Executive Vice President Great American Reserve Insurance Company By:/S/Rollin M. Dick Rollin M. Dick, Executive Vice President G:\LEGAL\FORM-13D\JOINT-AG.NAL

from SB-2/A ~50 pages Underwriting Agreement