TERMINATION OF JOINT FILING AND GROUP AGREEMENT March 4, 2016

EXHIBIT 4

TERMINATION OF JOINT FILING AND GROUP AGREEMENT

March 4, 2016

Each of the undersigned is a party to that certain Joint Filing and Group Agreement, dated November 3, 2015 (the “Joint Filing and Group Agreement”). Each of the undersigned hereby agrees that the Joint Filing and Group Agreement is terminated effective immediately.

BOATHOUSE ROW I, L.P.

	By:	/s/ Xxxxxxx Xxxxxx
		Name: Xxxxxxx Xxxxxx
		Title:   Chief Compliance Officer of            Philadelphia Financial Management of            San Francisco, LLC

BOATHOUSE ROW II, L.P.

	By:	/s/ Xxxxxxx Xxxxxx
		Name: Xxxxxxx Xxxxxx
		Title:   Chief Compliance Officer of            Philadelphia Financial Management of            San Francisco, LLC

BOATHOUSE ROW OFFSHORE LTD.

	By:	/s/ Xxxxxxx Xxxxxx
		Name: Xxxxxxx Xxxxxx
		Title:   Chief Compliance Officer of            Philadelphia Financial Management of            San Francisco, LLC

OC 532 OFFSHORE LTD.  

	By:	/s/ Xxxxxxx Xxxxxx
		Name: Xxxxxxx Xxxxxx
		Title:    Chief Compliance Officer of            Philadelphia Financial Management of            San Francisco, LLC

PHILADELPHIA FINANCIAL MANAGEMENT OF SAN FRANCISCO, LLC

	By:	/s/ Xxxxxxx Xxxxxx
		Name: Xxxxxxx Xxxxxx
		Title:    Chief Compliance Officer of            Philadelphia Financial Management of            San Francisco, LLC

/s/ Xxxxxx Xxxxxxxx

Xxxxxx Xxxxxxxx

/s/ Xxxxxx Xxxxxx

Xxxxxx Xxxxxx

VOCE CAPITAL MANAGEMENT LLC

	By:	Voce Capital LLC, its Managing Member
	By:	/s/ X. Xxxxxx Plants
		Name: X. Xxxxxx Plants
		Title: Managing Member

VOCE CAPITAL LLC

	By:	/s/ X. Xxxxxx Plants
		Name: X. Xxxxxx Plants
		Title: Managing Member

/s/ X. Xxxxxx Plants

X. Xxxxxx Plants