Notes: Mid-Southern Bancorp, Inc. is offering up to 2,225,975 shares of common stock for sale at $10.00 per share in connection with the conversion of Mid-Southern, M.H.C., from the mutual holding company to the stock holding company form of organization. The shares being offered represent the 71% ownership interest in Mid-Southern Savings Bank, FSB (referred to as Mid-Southern Savings Bank) currently owned by Mid-Southern, M.H.C. Mid-Southern Savings Bank's common stock is currently quoted on the OTC Pink Marketplace under the trading symbol MSVB. We expect that Mid-Southern Bancorp's shares of common stock will trade on the Nasdaq Capital Market under the trading symbol MSVB.