EXHIBIT 7.1 ----------- JOINT FILING AGREEMENT The undersigned acknowledge and agree that the foregoing Schedule 13D is filed on behalf of each of the undersigned and that all subsequent amendments to this Statement on Schedule 13D may be filed on...

                                                                     EXHIBIT 7.1
                                                                     -----------


                             JOINT FILING AGREEMENT

      The undersigned acknowledge and agree that the foregoing Schedule 13D is
filed on behalf of each of the undersigned and that all subsequent amendments to
this Statement on Schedule 13D may be filed on behalf of each of the undersigned
without the necessity of filing additional joint filing agreements.

Dated: January 18, 2008


CAPITAL Z FINANCIAL SERVICES FUND II, L.P.

            By:               Capital Z Partners,
                              L.P., its General Partner

            By:               Capital Z Partners,
                              Ltd., its General Partner

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory


CAPITAL Z FINANCIAL SERVICES PRIVATE FUND II, L.P.

            By:               Capital Z Partners,
                              L.P., its General Partner

            By:               Capital Z Partners,
                              Ltd., its General
                              Partner

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory


CAPITAL Z PARTNERS, L.P.

            By:               Capital Z Partners,
                              Ltd., its General Partner

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory


CAPITAL Z PARTNERS, LTD.

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory


CAPITAL Z MANAGEMENT, LLC

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory


UNION SQUARE PARTNERS, L.P.
By: UNION SQUARE PARTNERS GP, L.P., its General Partner

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory









UNION SQUARE PARTNERS GP, L.P.

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory


UNION SQUARE PARTNERS GP, LTD.

            By:               /s/ Xxxxx Xxxxxx
                              -----------------------------
                              Name:  Xxxxx Xxxxxx
                              Title: General Counsel
                              - Authorized Signatory