Credit Management Solutions Inc Watch

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: April 10, 2000 By: Name: Emanuel J. Friedman Title: Chairman Dated: April 10, 2000 Orkney Holdings, Inc. By: Name: Kurt R. Harrington Title: President Dated: April 10, 2000 Eric F. Billings Dated: April 10, 2000 Emanuel J. Friedman Dated: April 10, 2000 W. Russell Ramsey

from SC 13G/A 1 page Joint Filing Agreement

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: February 14, 2000 By: Name: Emanuel J. Friedman Title: Chairman Dated: February 14, 2000 Orkney Holdings, Inc. By: Name: Kurt R. Harrington Title: President Dated: February 14, 2000 Eric F. Billings Dated: February 14, 2000 Emanuel J. Friedman Dated: February 14, 2000 W. Russell Ramsey

from SC 13G/A 1 page Joint Filing Agreement

from SC 13G 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: January 13, 1999 By: Name: Emanuel J. Friedman Title: Chairman Dated: January 13, 1999 Orkney Holdings, Inc. By: Name: Kurt R. Harrington Title: President Dated: January 13, 1999 Eric F. Billings Dated: January 13, 1999 Emanuel J. Friedman Dated: January 13, 1999 W. Russell Ramsey

from SC 13G 1 page Joint Filing Agreement

from S-1/A ~50 pages Form of Underwriting Agreement