CORPORATION LOAN ASSOCIATION By Its Authorized By Its Authorized Representative: Representative: - ---------------------------- --------------------------------- Miles Ledgerwood Miles Ledgerwood Chairman Chairman AF MUTUAL HOLDING COMPANY By Its Authorized Representative: - ---------------------------- Miles Ledgerwood Chairman Accepted as of the date first above written Charles Webb & Company, a Division Keefe, Bruyette & Woods, Inc. By Its Authorized Representative: - ----------------------------- Patricia A. McJoynt Executive Vice President 40