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/ Rachael Clarke
	Name: Rachael Clarke
	Title:   Chief Compliance Officer of            Philadelphia Financial Management of            San Francisco, LLC

BOATHOUSE ROW II, L.P.

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

BOATHOUSE ROW OFFSHORE LTD.

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

OC 532 OFFSHORE LTD.  

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

PHILADELPHIA FINANCIAL MANAGEMENT OF SAN FRANCISCO, LLC

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

/s/ Jordan Hymowitz

Jordan Hymowitz

/s/ Justin Hughes

Justin Hughes

VOCE CAPITAL MANAGEMENT LLC

By:	Voce Capital LLC, its Managing Member
By:	/s/ J. Daniel Plants
	Name: J. Daniel Plants
	Title: Managing Member

VOCE CAPITAL LLC

By:	/s/ J. Daniel Plants
	Name: J. Daniel Plants
	Title: Managing Member

/s/ J. Daniel Plants

J. Daniel Plants