EX-4 5 ex4.txt JOINT FILING AGREEMENT EXHIBIT 4 FRONTIER ADJUSTERS OF AMERICA, INC. - SCHEDULE 13D JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13D, dated May 14, 2001, with respect to the shares of common stock, $.01 par value per share, of Frontier Adjusters of America, Inc., is, and any amendments to such Schedule 13D signed by each of the undersigned shall be, filed on behalf of each of us pursuant to and in accordance with the provisions of Rule 13d-1(k) under the Securities Exchange Act of 1934. MERRYMEETING, INC., a Delaware corporation Date: May 14, 2001 By: /s/ John M. Davies -------------------------------------------- Name: John M. Davies Title: President IVM INTERSURER BV, a Netherlands corporation By: /s/ Patrick Enthoven -------------------------------------------- Name: Patrick Enthoven Title: Chief Advisor of Insurance Operations /s/ Patrick Enthoven ----------------------------------------------- Patrick Enthoven /s/ John M. Davies ----------------------------------------------- John M. Davies