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Exhibit 4.3
[CIVISTA BANCSHARES, INC. LETTERHEAD]
March 14, 2024
Securities and Exchange Commission
100 F Street, NE
Washington, DC 20549
Re: Civista Bancshares, Inc. Form 10-K for the fiscal year ended December 31, 2023
Ladies and Gentlemen:
Civista Bancshares, Inc., an Ohio corporation (“CBI”), is today filing an Annual Report on Form 10-K for the fiscal year ended December 31, 2023 (the Form 10-K), as executed on March 14, 2024.
Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, CBI 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 CBI and its subsidiaries on a consolidated basis.
Very truly yours,
/s/ Dennis G. Shaffer
Dennis G. Shaffer
President and Chief Executive Officer