Contract

EXHIBIT 10.3(b)

SCHEDULE A TO EXHIBIT 10.3(a)

The following individuals entered into director retirement agreements with The Ohio Valley Bank Company which are identical to the Third Amended and Restated Director Retirement Agreement, dated December 18, 2012, between Xxxxxx X. Xxxxxxx and The Ohio Valley Bank Company filed herewith.

Name		Date of Agreement
Xxxxx X. Xxxxxx		December 18, 2012