EXHIBIT 4.1 PEOPLES BANCORP INC. ANNUAL REPORT ON FORM 10-K FOR FISCAL YEAR ENDED DECEMBER 31, 2013

PEOPLES BANCORP INC.

138 Putnam Street

Marietta, OH 45750

(740) 373-3155

February 27, 2014

Securities and Exchange Commission

100 F Street, N.E.

Washington, D.C. 20549

RE: Peoples Bancorp Inc. - Annual Report on Form 10-K for the fiscal year ended December 31, 2013

Ladies and Gentlemen:

Peoples Bancorp Inc., an Ohio corporation, is today filing its Annual Report on Form 10-K for the fiscal year ended December 31, 2013 (the “Form 10-K”), as executed on February 27, 2014.

Pursuant to the provisions of Item 601(b)(4)(iii) of SEC Regulation S-K, Peoples Bancorp Inc. hereby agrees to furnish to the SEC, upon request, copies of instruments and agreements defining (i) the rights of holders of Peoples Bancorp Inc.'s long-term debt or (ii) the rights of holders of the long-term debt of one of its consolidated subsidiaries, not being filed or incorporated by reference as an exhibit to the Form 10-K. Such long-term debt does not exceed 10% of the total assets of Peoples Bancorp Inc. and its subsidiaries on a consolidated basis.

Very truly yours,

            

Peoples Bancorp Inc.

/s/ EDWARD G. SLOANE

Edward G. Sloane

Executive Vice President,

Chief Financial Officer and Treasurer