Agreement to Furnish Instruments and Agreements Defining Rights of Holders of Long-Term Debt – Rurban Financial Corp.

Summary

Rurban Financial Corp. agrees to provide the Securities and Exchange Commission (SEC), upon request, with copies of documents that define the rights of holders of its long-term debt and that of its consolidated subsidiaries. These documents are not included as exhibits in Rurban’s 2012 Annual Report on Form 10-K because none of the related long-term debt exceeds 10% of the company’s total consolidated assets. This agreement ensures the SEC can access these documents if needed for regulatory purposes.

EX-4.4 2 f10k2012ex4iv_rurban.htm AGREEMENT TO FURNISH INSTRUMENTS AND AGREEMENTS DEFINING RIGHTS OF HOLDERS OF LONG-TERM DEBT f10k2012ex4iv_rurban.htm

Exhibit 4.4

[Rurban Financial Corp. Letterhead]

March 12, 2013

Securities and Exchange Commission

100 F Street, NE

Washington, D.C. 20549

Re:

Rurban Financial Corp. – Annual Report on Form 10-K for the fiscal year ended December 31, 2012

Ladies and Gentlemen:

Rurban Financial Corp., an Ohio corporation (“Rurban”), is today filing with the Securities and Exchange Commission (the “SEC”) the Annual Report on Form 10-K of Rurban for the fiscal year ended December 31, 2012 (“Rurban’s 2012 Form 10-K”).

Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, Rurban hereby agrees to furnish to the SEC, upon request, copies of instruments and agreements defining the rights of holders of long-term debt and of the long-term debt of its consolidated subsidiaries, which are not being filed as exhibits to Rurban’s 2012 Form 10-K. None of such long-term debt exceeds 10% of the total assets of Rurban and its subsidiaries on a consolidated basis.

	Very truly yours,
	RURBAN FINANCIAL CORP.
	/s/ Anthony V. Cosentino Anthony V. Cosentino Executive Vice President and Chief Financial Officer