Vesta Insurance Group Inc Watch

from SC 13D/A 2 pages Joint Filing Statement Pursuant to Rule 13d-1

from SC 13D/A 1 page Exhibit 1 Joint Filing Agreement This Will Confirm the Agreement by and Among All the Undersigned That the Amendment No. 1 to Schedule 13d Filed on or About This Date With Respect to the Beneficial Ownership of the Undersigned of Shares of Common Stock, Par Value $0.01 Per Share, of Vesta Insurance 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: February 13, 2004 Capital Z Financial Services Fund II, L.P. By: Capital Z Partners, Ltd., Its Ultimate General Partner By: /S/ David A. Spuria David A. Spuria General Counsel, Vice President of Administration and Secretary Capital Z Financial Services Private Fund II, L.P. By: Capital Z Partners, Ltd., Its Ultimate General Partner By: /S/ David A. Spuria David A. Spuria General Counsel, Vice President of Administration and Secretary Capital Z Partners, L.P. By: Capital Z Partners, Ltd., Its Ultimate General Partner By: /S/ David A. Spuria David A. Spuria General Counsel, Vice President of Administration and Secretary Capital Z Partners, Ltd. By: Capital Z Partners, Ltd., Its Ultimate General Partner By: /S/ David A. Spuria David A. Spuria General Counsel, Vice President of Administration and Secretary 10

from SC 13G/A 2 pages Exhibit 1 Joint Acquisition Statement Pursuant to Rule 13d-1

from SC 13G 2 pages Exhibit 1 Joint Acquisition Statement Pursuant to Rule 13d-1

from 8-K ~50 pages Form of Underwriting Agreement