0000950152-06-002525 Sample Contracts

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WITNESSETH:
Employment Agreement • March 24th, 2006 • Rurban Financial Corp • State commercial banks • Ohio
SCHEDULE A TO EXHIBIT 10.13
Change in Control Agreement • March 24th, 2006 • Rurban Financial Corp • State commercial banks

Rurban Financial Corp. (the "Registrant") has entered into Change in Control Agreements with the executive officers of the Registrant identified below, which Change in Control Agreements are substantially identical to the Change in Control Agreement, executed March 9, 2006 and effective as of March 1, 2006, by and between the Registrant and Duane L. Sinn, Executive Vice President and Chief Financial Officer of the Registrant, a copy of which was filed as Exhibit 10.13 to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2005 (the "2005 Form 10-K").

SCHEDULE A TO EXHIBIT 10.11
Supplemental Executive Retirement Agreement • March 24th, 2006 • Rurban Financial Corp • State commercial banks

Rurban Financial Corp. (the "Registrant") has entered into Supplemental Executive Retirement Agreements with the executive officers of the Registrant identified below, which Supplemental Executive Retirement Agreements are substantially identical to the Supplemental Executive Retirement Agreement, executed March 13, 2006 and effective as of March 1, 2006, by and between the Registrant and Kenneth A. Joyce, President and Chief Executive Officer of the Registrant, a copy of which was filed as Exhibit 10.11 to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2005 (the "2005 Form 10-K").

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