OHIO VALLEY BANC CORP - FORM 10-K - EX-4.1 - EXHIBIT 4.1 AS OF 12/31/19 - March 16, 2020

Attached files

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EX-10.2 - EXECUTIVE GROUP SPLIT DOLLAR PLAN - MILLER/SMITH/HART-HARRIS - OHIO VALLEY BANC CORPsec10k123119ex102.htm
EX-32 - SECTION 1350 CERTIFICATION AS OF 12/31/19 - OHIO VALLEY BANC CORPsec10k123119ex32.htm
EX-31.2 - CERTIFICATION - PRINCIPAL FINANCIAL OFFICER 12/31/19 - OHIO VALLEY BANC CORPsec10k123119ex312.htm
EX-31.1 - CERTIFICATION - PRINCIPAL EXECUTIVE OFFICER 12/31/19 - OHIO VALLEY BANC CORPsec10k123119ex311.htm
EX-23 - CONSENT OF CROWE LLP AS OF 12/31/19 - OHIO VALLEY BANC CORPsec8k123119ex23.htm
EX-21 - SUBSIDIARIES OF OHIO VALLEY BANC CORP AS OF 12/31/19 - OHIO VALLEY BANC CORPsec10k123119ex21.htm
EX-13 - ANNUAL REPORT TO SHAREHOLDERS AS OF 12/31/19 - OHIO VALLEY BANC CORPsec10k123119ex13.htm
EX-10.24 - SEVERANCE AGREEMENT AND RELEASE - HART-HARRIS - OHIO VALLEY BANC CORPsec10k123119ex1024.htm
EX-10.22(A) - DIRECTOR RETIREMENT AGREEMENT - ROBBINS/MILLER - OHIO VALLEY BANC CORPsec10k123119ex1022a.htm
EX-10.9 - SUMMARY OF BONUS PROGRAM OF OVBC - OHIO VALLEY BANC CORPsec10k123119ex109.htm
EX-10.8 - SUMMARY OF COMPENSATION - DIRECTORS & OFFICERS - OHIO VALLEY BANC CORPsec10k123119ex108.htm
EX-10.7(E) - EXECUTIVE DEFERRED COMPENSATION AGREEMENT - SMITH/WISEMAN/HART-HARRIS - OHIO VALLEY BANC CORPsec10k123119ex107e.htm
EX-10.7(D) - EXECUTIVE DEFERRED COMPENSATION PLANS - WISEMAN/HART-HARRIS - OHIO VALLEY BANC CORPsec10k123119ex107d.htm
EX-4.2 - REGISTERED SECURITIES AS OF 12/31/19 - OHIO VALLEY BANC CORPsec10k123119ex42.htm
10-K - FORM 10-K AT 12/31/19 - OHIO VALLEY BANC CORPsec10k123119.htm
EXHIBIT 4.1


OHIO VALLEY BANC CORP.
420 Third Avenue
Gallipolis, OH  45631
(740) 446-2631

March 16, 2020

Securities and Exchange Commission
100 F Street, N.E.
Washington, D.C.  20549

RE: Ohio Valley Banc Corp. – Form 10-K for the fiscal year ended December 31, 2019

Gentlemen:

Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing an Annual Report on Form 10-K for the fiscal year ended December 31, 2019 (the “Form 10-K”), as executed on March 16, 2020.

Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, Ohio Valley 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.  No such instrument or agreement represents long-term debt exceeding  10% of the total assets of Ohio Valley Banc Corp. and its subsidiaries on a consolidated basis.


Very truly yours,

/s/Thomas E. Wiseman
Thomas E. Wiseman
President and Chief Executive Officer
Ohio Valley Banc Corp.

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