Drummond Financial Corp Watch

from SC 13D/A 1 page Joint Filing Agreement This Agreement Dated the 24th Day of October, 2001. Whereas: A. Sutton Park International Limited ("Sutton Park") Is the Beneficial Holder of 326,350 Shares of Common Stock of Drummond Financial Corporation ("Drummond") and Mfc Bancorp Ltd. ("Mfc") Is the Direct Beneficial Holder of 95,000 Shares of Common Stock of Drummond and the Indirect Beneficial Holder of 1,267,250 Shares of Common Stock of Drummond (Including the Shares Held by Sutton Park); and B. Mfc and Sutton Park (Each a "Filer" and Collectively, the "Filers") Are Responsible for Filing a Schedule 13d/a (The "Schedule 13d/A") Relating to the Acquisition of the Shares of Common Stock of Drummond, Pursuant to U.S. Securities Laws. Now Therefore the Parties Agree as Follows: 1. Each Filer Covenants and Agrees That It Is Individually Eligible to Use the Schedule 13d/a Which Is to Be Filed; 2. Each Filer Is Individually Responsible for the Timely Filing of Any Amendments to the Schedule 13d/A, and for the Completeness and Accuracy of the Information Concerning Themselves, but Is Not Responsible for the Completeness and Accuracy of Any of the Information Contained in the Schedule 13d/a as to the Other Filer, Unless Such Filer Knows or Has Reason to Believe That the Information Is Inaccurate; 3. This Schedule 13d/a Contains the Required Information With Regard to Each Filer and Indicates That It Is Filed on Behalf of Both Filers; and 4. Each Filer Agrees That the Schedule 13d/a to Which This Joint Filing Agreement Is Attached as Exhibit 1 Is Filed on Its Behalf. in Witness Whereof the Parties Have Duly Executed This Joint Filing Agreement. Mfc Bancorp Ltd. Sutton Park International Limited By: /S/ Michael J. Smith By: /S/ Michael J. Smith Michael J. Smith, President Michael J. Smith, Director

from SC 13D 1 page Joint Filing Agreement This Agreement Dated the 7th Day of June, 2001. Whereas: A. Valor Invest Limited ("Valor") Is the Beneficial Holder of 303,175 Shares of Common Stock of Drummond Financial Corporation ("Drummond") and Estevao Popovics Controls Valor; and B. Valor and Estevao Popovics (Each a "Filer" and Collectively, the "Filers") Are Responsible for Filing a Schedule 13d (The "Schedule 13d") Relating to the Acquisition of the Shares of Common Stock of Drummond, Pursuant to U.S. Securities Laws. Now Therefore the Parties Agree as Follows: 1. Each Filer Covenants and Agrees That It Is Individually Eligible to Use the Schedule 13d Which Is to Be Filed; 2. Each Filer Is Individually Responsible for the Timely Filing of Any Amendments to the Schedule 13d, and for the Completeness and Accuracy of the Information Concerning Themselves, but Is Not Responsible for the Completeness and Accuracy of Any of the Information Contained in the Schedule 13d as to the Other Filer, Unless Such Filer Knows or Has Reason to Believe That the Information Is Inaccurate; 3. This Schedule 13d Contains the Required Information With Regard to Each Filer and Indicates That It Is Filed on Behalf of Both Filers; and 4. Each Filer Agrees That the Schedule 13d to Which This Joint Filing Agreement Is Attached as Exhibit 1 Is Filed on Its Behalf. in Witness Whereof the Parties Have Duly Executed This Joint Filing Agreement. Valor Invest Limited By: /S/ Estevao Popovics By: /S/ Estevao Popovics Estevao Popovics, Director Estevao Popovics

from SC 13D/A 1 page Joint Filing Agreement This Agreement Dated the 24th Day of October, 2000. Whereas: A. Sutton Park International Limited ("Sutton Park") Is the Beneficial Holder of 308,350 Shares of Common Stock of Drummond Financial Corporation ("Drummond") and Mfc Bancorp Ltd. ("Mfc") Is the Direct Beneficial Holder of 95,000 Shares of Common Stock of Drummond and Is the Indirect Beneficial Holder of 1,249,250 Shares of Common Stock of Drummond (Including the Shares Held by Sutton Park); and B. Mfc and Sutton Park (Each a "Filer" and Collectively, the "Filers") Are Responsible for Filing a Schedule 13d/a or Schedule 13d (The "Schedule 13d/A") Relating to the Acquisition of the Shares of Common Stock of Drummond, Pursuant to U.S. Securities Laws. Now Therefore the Parties Agree as Follows: 1. Each Filer Covenants and Agrees That It Is Individually Eligible to Use the Schedule 13d/a Which Is to Be Filed; 2. Each Filer Is Individually Responsible for the Timely Filing of Any Amendments to the Schedule 13d/A, and for the Completeness and Accuracy of the Information Concerning Themselves, but Is Not Responsible for the Completeness and Accuracy of Any of the Information Contained in the Schedule 13d/a as to the Other Filer, Unless Such Filer Knows or Has Reason to Believe That the Information Is Inaccurate; 3. This Schedule 13d/a Contains the Required Information With Regard to Each Filer and Indicates That It Is Filed on Behalf of Both Filers; and 4. Each Filer Agrees That the Schedule 13d/a to Which This Joint Filing Agreement Is Attached as Exhibit 1 Is Filed on Its Behalf. in Witness Whereof the Parties Have Duly Executed This Joint Filing Agreement. Mfc Bancorp Ltd. Sutton Park International Limited By: /S/ Michael J. Smith By: /S/ Michael J. Smith Michael J. Smith, President Michael J. Smith, Director

from SC 13D/A 1 page <page> 1 Joint Filing Agreement This Agreement Dated the 30th Day of October, 1998. Whereas: A. Constable Investments Ltd. ("Constable") Is the Beneficial Holder of 308,350 Shares of Common Stock of Drummond Financial Corporation ("Drummond") and Mfc Bancorp Ltd. ("Mfc") Is the Direct Beneficial Holder of 95,000 Shares of Common Stock of Drummond and Is the Indirect Beneficial Holder of 1,249,250 Shares of Common Stock of Drummond (Including the Shares Held by Constable); and B. Mfc and Constable (Each a "Filer" and Collectively, the "Filers") Are Responsible for Filing a Schedule 13d/a or Schedule 13d (The "Schedule 13d/A") Relating to the Acquisition of the Shares of Common Stock of Drummond, Pursuant to U.S. Securities Laws. Now Therefore the Parties Agree as Follows: 1. Each Filer Covenants and Agrees That It Is Individually Eligible to Use the Schedule 13d/a Which Is to Be Filed; 2. Each Filer Is Individually Responsible for the Timely Filing of Any Amendments to the Schedule 13d/A, and for the Completeness and Accuracy of the Information Concerning Themselves, but Is Not Responsible for the Completeness and Accuracy of Any of the Information Contained in the Schedule 13d/a as to the Other Filer, Unless Such Filer Knows or Has Reason to Believe That the Information Is Inaccurate; 3. This Schedule 13d/a Contains the Required Information With Regard to Each Filer and Indicates That It Is Filed on Behalf of Both Filers; and 4. Each Filer Agrees That the Schedule 13d/a to Which This Joint Filing Agreement Is Attached as Exhibit 1 Is Filed on Its Behalf. in Witness Whereof the Parties Have Duly Executed This Joint Filing Agreement. Mfc Bancorp Ltd. Constable Investments Ltd. By: /S/ Michael J. Smith By: /S/ Michael J. Smith Michael J. Smith, President Michael J. Smith, Director

from SC 13D/A 1 page <page> 1 Joint Filing Agreement This Agreement Dated the 11th Day of June, 1998. Whereas: A. Constable Investments Ltd. ("Constable") Is the Beneficial Holder of 243,350 Shares of Common Stock of Drummond Financial Corporation ("Drummond") and Mfc Bancorp Ltd. ("Mfc") Is the Indirect Beneficial Holder of 1,184,250 Shares of Common Stock of Drummond (Including the Shares Held by Constable); and B. Mfc and Constable (Each a "Filer" and Collectively, the "Filers") Are Responsible for Filing a Schedule 13d/a or Schedule 13d (The "Schedule 13d/A") Relating to the Acquisition of the Shares of Common Stock of Drummond, Pursuant to U.S. Securities Laws; Now Therefore the Parties Agree as Follows: 1. Each Filer Covenants and Agrees That It Is Individually Eligible to Use the Schedule 13d/a Which Is to Be Filed; 2. Each Filer Is Individually Responsible for the Timely Filing of Any Amendments to the Schedule 13d/A, and for the Completeness and Accuracy of the Information Concerning Themselves, but Is Not Responsible for the Completeness and Accuracy of Any of the Information Contained in the Schedule 13d/a as to the Other Filer, Unless Such Filer Knows or Has Reason to Believe That the Information Is Inaccurate; 3. This Schedule 13d/a Contains the Required Information With Regard to Each Filer and Indicates That It Is Filed on Behalf of Both Filers; and 4. Each Filer Agrees That the Schedule 13d/a to Which This Joint Filing Agreement Is Attached as Exhibit 1 Is Filed on Its Behalf. in Witness Whereof the Parties Have Duly Executed This Joint Filing Agreement. Mfc Bancorp Ltd. Constable Investments Ltd. By: /S/ Michael J. Smith By: /S/ Michael J. Smith Michael J. Smith, President Michael J. Smith, Director