ITEM 2 - PROPERTIES
−Removed: Ohio Valley does not own or lease any real or personal property.
The principal executive offices of Ohio Valley and the Bank are located at 420 Third Avenue, Gallipolis, Ohio.
−Removed: The Bank owns twelve financial service centers located in Gallipolis (Gallia Co.),
−Removed: Jackson, Oak Hill and Wellston (Jackson Co.), and Waverly (Pike Co.) in Ohio;
+Added: The Bank owns twelve financial service centers located in Gallipolis and Rio Grande
+Added: (Gallia Co.), Jackson, Oak Hill and Wellston (Jackson Co.), and Waverly (Pike Co.) in Ohio;
and Point Pleasant and Mason (Mason Co.), and Milton and Barboursville (Cabell Co.) in West Virginia.
−Removed: The Bank’s New Holland (Pickaway Co.) and Mount Sterling (Madison
−Removed: Co.) offices in Ohio were sold to North Valley Bank of Corning, Ohio in December 2019.
−Removed: The Bank leases four additional financial service centers located in Gallipolis (Gallia Co.) and Athens (Athens Co.) in Ohio.
−Removed: The Bank also owns and operates
−Removed: thirty-four ATMs, including twenty off-site ATMs.
−Removed: Furthermore, the Bank owns four facilities in Gallipolis (Gallia Co.), Ohio, which are used for additional office space.
−Removed: The Bank also owns a facility in Gallipolis (Gallia Co.), and a facility in
−Removed: Point Pleasant (Mason Co.), in West Virginia, which are all leased to third parties.
+Added: The Bank leases three additional financial service
+Added: centers located in Gallipolis (Gallia Co.) and Athens (Athens Co.) in Ohio.
+Added: The Bank also owns and operates thirty-five ATMs, including twenty off-site ATMs.
+Added: Furthermore, the Bank owns four facilities in Gallipolis (Gallia Co.), Ohio, which are used
+Added: for additional office space.
+Added: The Bank also owns a facility in Gallipolis (Gallia Co.) in Ohio which is leased to a third party.
Loan Central conducts its consumer finance operations through six offices located in Gallipolis (Gallia Co.), Jackson (Jackson Co.), Waverly (Pike Co.), South Point (Lawrence Co.), Wheelersburg
(Scioto Co.) and Chillicothe (Ross Co.), all in Ohio.
−Removed: All of these facilities are leased by Loan Central, except for the Jackson (Jackson Co.) and Wheelersburg (Scioto Co.) facilities.
−Removed: Loan Central leases a portion of its Wheelersburg (Scioto Co.)
−Removed: facility to a third party.
+Added: All of these facilities are leased by Loan Central, except for the Gallipolis (Gallia Co.), Jackson (Jackson Co.) and Wheelersburg (Scioto Co.) facilities.
+Added: Loan Central leases a portion of its
+Added: Gallipolis (Gallia Co.) and Wheelersburg (Scioto Co.) facilities to third parties.
Management considers all of these properties to be satisfactory for the Company’s current operations.
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ITEM 3 – LEGAL PROCEEDINGS
−Removed: Not applicable.
+Added: From time to time, the Company may be involved in various claims and legal actions in the ordinary course of business.
+Added: The Company is not currently involved in any material legal proceedings
+Added: outside the ordinary course of the Company’s business.
ITEM 4 – MINE SAFETY DISCLOSURES
1 unchanged sentence
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.