Air Force and two independent panels concluded that thesecond engine is “not necessary and not affordable” and that the alleged savingsfrom creating a mock competition “will never be achieved.” The first print ads will run tomorrow in Politico and The Washington Post, andcontinue next week in CQ Daily, The Hill, and Roll Call. Reliance Financial Services, adivision of the Bank, offers a diversified array of trust and financial servicesto customers throughout the Midwest. RDSI and DCM provide data and itemprocessing services to community banks in Arkansas, Florida, Illinois, Indiana,Kansas, Michigan, Missouri, Nebraska, Nevada, Ohio and Wisconsin. Rurban’scommon stock is quoted on the NASDAQ Global Market under the symbol RBNF. TheCompany currently has 10,000,000 shares of stock authorized and 4,863,079 sharesoutstanding. The Company’s website is http:// STATEMENTSCertain statements within this document, which are not statements of historicalfact, constitute forward-looking statements within the meaning of the PrivateSecurities Litigation Reform Act of 1995. Forward-looking statements involverisks and uncertainties and actual results may differ materially from thosepredicted by the forward-looking statements.

These risks and uncertaintiesinclude, but are not limited to, risks and uncertainties inherent in thenational and regional banking, insurance and mortgage industries, competitivefactors specific to markets in which Rurban and its subsidiaries operate, futureinterest rate levels, legislative and regulatory actions, capital marketconditions, general economic conditions, geopolitical events, the loss of keypersonnel and other factors. All subsequent written and oral forward-lookingstatements attributable to Rurban or any person acting on our behalf arequalified by these cautionary statements.ADDITIONAL INFORMATION REGARDING PLANNED SPIN-OFF OF RDSIIf and when the Board of Directors of Rurban decides to proceed with the plannedspin-off of RDSI, Rurban and/or RDSI will file with the SEC a registrationstatement concerning the spin-off and the merger transaction between RDSI andNew Core. That registration statement would include a combined prospectus forthe offer and sale of RDSI common shares, as well as an information statement orproxy statement to be delivered to the New Core shareholders in connection withthe approval of the merger transaction by the New Core shareholders. Thecombined prospectus and information statement/proxy statement and otherdocuments filed by Rurban and/or RDSI with the SEC will contain importantinformation about Rurban, RDSI, New Core and the merger transaction.

WE URGEINVESTORS AND NEW CORE SHAREHOLDERS TO READ CAREFULLY THE COMBINED PROSPECTUSAND INFORMATION STATEMENT/PROXY STATEMENT AND OTHER DOCUMENTS FILED WITH THESEC, INCLUDING ANY AMENDMENTS OR SUPPLEMENTS ALSO FILED WITH THE SEC. NEW CORESHAREHOLDERS IN PARTICULAR SHOULD READ THE COMBINED PROSPECTUS AND INFORMATIONSTATEMENT/PROXY STATEMENT CAREFULLY BEFORE MAKING A DECISION CONCERNING THEMERGER TRANSACTION. Investors and shareholders will be able to obtain a freecopy of the combined prospectus and information statement/proxy statement –along with other filings containing information about Rurban and RDSI — at theSEC’s website at http:// Copies of the combined prospectus andinformation statement/proxy statement, and the filings with the SEC incorporatedby reference in the combined prospectus and information statement/proxystatement, can also be obtained free of charge by directing a request to RurbanFinancial Corp., 401 Clinton Street, Defiance, Ohio 43512; Attention: Ms. ValdaColbart, Investor Relations Officer; Telephone: (419) 784-2759.This communication shall not constitute an offer to sell or the solicitation ofan offer to buy any securities nor shall there be any sale of securities in anyjurisdiction in which the offer, solicitation, or sale is unlawful beforeregistration or qualification of the securities under the securities laws of thejurisdiction. No offer of securities shall be made except by means of aprospectus satisfying the requirements of Section 10 of the Securities Act of1933, as amended RURBAN FINANCIAL CORP.

Segment Reporting Three Months Ended June 30, 2009 ($ in Thousands)————————————————- Parent Elimin- Rurban Income StatementTotalData Company ation FinancialMeasures Banking Processing and Other EntriesCorp. —————- ——— ——— ——— ——— ———Interest Income$8,291$30 $–$(32) $8,289Interest Expense2,501 64 395 (32)2,928Net Interest Income 5,790(34) (395) — 5,361Provision For Loan Loss 799 —— 799Non-interest Income 2,9415,350 376(770)7,897Non-interest Expense6,5054,394 979(770) 11,108Net Income QTD $1,048$ 608 $(653) $ –$1,003 Performance Measures ——————–AverageAssets – QTD $641,939$22,166 $86,005$(87,521) $662,589ROAA 0.65% 10.97% —-0.61%Average Equity – QTD $ 67,760$14,674 $63,823$(82,434) $ 63,823ROAE 6.19% 16.57% —-6.29%Efficiency Ratio – %72.67%—— 82.11%Average Loans – QTD $449,595$ 2,044 $–$ (2,972) $448,667Average Deposits – QTD $485,997$– $–$ (2,115) $483,882Rurban Financial Corp. Some things about current society irritateme, such as the adulation of celebrities and the inflation of heroism.Q But aren’t you both?A Not me Neither. Heroes abound, and should be revered as such, but don’t count astronauts amongthem. It’s certainly notserene, but definitely fragile, and growing more so.