OHIO VALLEY BANC CORP

Shareholders who wish to nominate an individual for election as a director at an annual meeting of shareholders of the Company must also comply with the Company’s Code of Regulations and the proxy rules promulgated under the Exchange Act regarding shareholder nominations. Any proposals of shareholders intended to be included in the Company’s proxy statement and proxy card for the 2027 Annual Meeting of Shareholders should be sent to the Company’s executive offices by certified mail and must be received not later than November 16, 2026 and comply with the requirements of Rule 14a-8 of the Exchange Act. The Company will not be required to include in its proxy materials a shareholder proposal that is received after that date or that otherwise fails to meet the requirements for shareholder proposals established by applicable SEC rules. Further, if a shareholder intends to present a proposal at the 2027 Annual Meeting without including the proposal in the proxy materials related to that meeting, and if the proposal is not received by February 18, 2027, then the proxies designated by the Board of Directors of the Company for the 2027 Annual Meeting of Shareholders of the Company may vote in their discretion on any such proposal any shares for which they have been appointed proxies without mention of such matter in the proxy statement or on the proxy card for such meeting. In addition, to comply with SEC’s universal proxy rules, shareholders who intend to solicit proxies in support of director nominees other than the Company’s nominees must provide notice that sets forth the information required by Rule 14a-19 under the Exchange Act no later than March 14, 2027.

Shareholders desiring to nominate candidates for election as directors at the 2027 Annual Meeting must follow the procedures described in “ELECTION OF DIRECTORS – Nominating Procedures.”