EX-4.1 2 sec10k123119ex41.htm EXHIBIT 4.1 AS OF 12/31/19
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.