Exhibit 4
NB&T FINANCIAL GROUP, INC.
48 N. South Street
Wilmington, OH 45177
November 12, 2010
Securities and Exchange Commission
100 F Street, NE
Washington, D.C. 20549
| Re: | NB&T Financial Group, Inc. – Form 10-Q for the quarter ended September 30, 2010 |
Ladies and Gentlemen:
NB&T Financial Group, Inc., an Ohio corporation (“NBTF”), is today filing a Quarterly Report on Form 10-Q for the quarter ended September 30, 2010 (the “Form 10-Q”), as executed on November 11, 2010.
Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, NBTF 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-Q. No such instrument represents long-term debt in excess of 10% of the total assets of NBTF and its subsidiaries on a consolidated basis.
Very truly yours,
/s/ Craig F. Fortin
Craig F. Fortin
Senior Vice President & CFO
