Fairfax Financial Holdings Limited (FRFHF) SC 13D FIRST MERCURY FINANCIAL / FAIRFAX FINANCIAL HOLDINGS LTD/ CAN ownership change

EXHIBIT 4

CUSIP No. 320841109

AGREEMENT CONCERNING JOINT FILING
OF SCHEDULE 13D

          The undersigned agree as follows:

          (i)  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

          (ii) each of them is responsible for the timely filing of such Schedule 13D and any 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 person making the filing, unless such person knows or has reason to believe that such information is inaccurate.

          This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original, but all of which, taken together, shall constitute one and the same instrument.

          Dated:  November 5, 2010

V. PREM WATSA
/s/ V. Prem Watsa
1109519 ONTARIO LIMITED
By:	/s/ V. Prem Watsa
	Name:	V. Prem Watsa
	Title:	President
THE SIXTY TWO INVESTMENT COMPANY LIMITED
By:	/s/ V. Prem Watsa
	Name:	V. Prem Watsa
	Title:	President
810679 ONTARIO LIMITED
By:	/s/ V. Prem Watsa
	Name:	V. Prem Watsa
	Title:	President

FAIRFAX FINANCIAL HOLDINGS LIMITED
By:	/s/ Bradley P. Martin
	Name:	Bradley P. Martin
	Title:	Vice President, Chief Operating Officer and Corporate Secretary