Undertaking to Furnish Instruments Defining Rights of Long-Term Debt Holders – First Citizens Banc Corp. to SEC

Summary

First Citizens Banc Corp. (FCBC) notifies the SEC that, in connection with its 2008 Annual Report filing, it will provide copies of agreements defining the rights of holders of its long-term debt and that of its subsidiaries upon request. These agreements are not included as exhibits because none of the related debt exceeds 10% of FCBC’s total consolidated assets. This letter is signed by FCBC’s President and CEO, James O. Miller.

EX-4.3 4 l35738aexv4w3.htm EX-4.3 EX-4.3

Exhibit 4.3

[FIRST CITIZENS BANC CORP. LETTERHEAD]

March 16, 2009

Securities and Exchange Commission
100 F Street, NE
Washington, DC 20549

Re: First Citizens Banc Corp. Form 10-K for the fiscal year ended December 31, 2008

Ladies and Gentlemen:

First Citizens Banc Corp., an Ohio corporation (FCBC), is today filing an Annual Report on Form 10-K for the fiscal year ended December 31, 2008 (the Form 10-K), as executed on March 16, 2009.

Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, FCBC hereby agrees to furnish the Commission, upon request, copies of instruments and agreements defining the rights of holders of its long-term debt and of the long-term debt of its consolidated subsidiaries, which are not being filed as exhibits to the Form 10-K. None of such long-term debt exceeds 10% of the total assets of FCBC and its subsidiaries on a consolidated basis.

Very truly yours,


/s/ James O. Miller James O. Miller
President and Chief Executive Officer