Form: SC 13D

Schedule filed to report acquisition of beneficial ownership of 5% or more of a class of equity securities

October 21, 1999

EX-99.2

Published on October 21, 1999


EXHIBIT 99.2

AGREEMENT RE JOINT FILING OF SCHEDULE 13D


Each of the undersigned hereby agrees:

1. Each of them is individually eligible to use the Schedule 13D to which
this Exhibit is attached, and such Schedule 13D is filed on behalf of each of
them; and

2. Each of them is responsible for the timely filing of such Schedule 13D
and any further amendments thereto, and for the completeness and accuracy of the
information concerning such person contained therein; but none of them is
responsible for the completeness or accuracy of the information concerning the
other persons making the filing, unless such person knows or has reason to
believe that such information is inaccurate.


DATED: October 21, 1999 VERDE REINSURANCE COMPANY,
LTD., a corporation of the
Island of Nevis


By: /s/ ERNEST C. GARCIA II
_____________________________________
Ernest C. Garcia II
Its: President



VERDE INVESTMENTS, INC., an Arizona
corporation


By: /s/ ERNEST C. GARCIA II
_____________________________________
Ernest C. Garcia II
Its: President



ERNEST C. GARCIA II


By: /s/ ERNEST C. GARCIA II
_____________________________________
Ernest C. Garcia II, as an Individual