OHIO VALLEY BANC CORP - FORM 10-K - EX-4.1 - EXHIBIT 4.1 AS OF 12/31/20 - March 24, 2021

Attached files

file filename
EX-10.8 - SUMMARY OF COMPENSATION FOR DIRECTORS AND NAMED EXECUTIVE OFFICERS - OHIO VALLEY BANC CORPsec10k123120ex108.htm
EX-32 - SECTION 1350 CERTIFICATION - OHIO VALLEY BANC CORPsec10k123120ex32.htm
EX-31.2 - CERTIFICATION - PRINCIPAL FINANCIAL OFFICER - OHIO VALLEY BANC CORPsec10k123120ex312.htm
EX-31.1 - CERTIFICATION - PRINCIPAL EXECUTIVE OFFICER - OHIO VALLEY BANC CORPsec10k123120ex311.htm
EX-23 - CONSENT OF CROWE LLP - OHIO VALLEY BANC CORPsec8k123120ex23.htm
EX-21 - SUBSIDIARIES OF OHIO VALLEY BANC CORP - OHIO VALLEY BANC CORPsec10k123120ex21.htm
EX-13 - ANNUAL REPORT TO SHAREHOLDERS AS OF 12/31/20 - OHIO VALLEY BANC CORPsec10k123120ex13.htm
EX-10.19 - DETERMINATION OF DIRECTOR'S FEES - OHIO VALLEY BANC CORPsec10k123120ex1019.htm
EX-10.9 - SUMMARY OF BONUS PROGRAM - OHIO VALLEY BANC CORPsec10k123120ex109.htm
EX-10.7(E) - SCHEDULE A TO EXHIBIT 10.7(B) - OHIO VALLEY BANC CORPsec10k123120ex107e.htm
EX-10.7D - SCHEDULE A TO EXHIBIT 10.7(A) - OHIO VALLEY BANC CORPsec10k123120ex107d.htm
EX-10.7A - EXECUTIVE DEFERRED COMPENSATION AGREEMENT - OHIO VALLEY BANC CORPsec10k123120ex107a.htm
EX-10.4A - SCHEDULE A TO EXHIBIT 10.4 - OHIO VALLEY BANC CORPsec10k123120ex104a.htm
EX-10.3B - SCHEDULE A TO EXHIBIT 10.3(A) - OHIO VALLEY BANC CORPsec10k123120ex103b.htm
EX-10.3A - DIRECTOR RETIREMENT AGREEMENT - OHIO VALLEY BANC CORPsec10k123120ex103a.htm
EX-10.2 - SCHEDULE A TO EXHIBIT 10.1 - OHIO VALLEY BANC CORPsec10k123120ex102.htm
10-K - FORM 10-K AT 12/31/20 - OHIO VALLEY BANC CORPsec10k123120.htm
EXHIBIT 4.1


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

March 24, 2021

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, 2020

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, 2020 (the “Form 10-K”), as executed on March 24, 2021.

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
Chief Executive Officer
Ohio Valley Banc Corp.















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