Oak Valley Bancorp

Shareholders of record may vote on matters that are properly presented at the 2025 Annual Meeting in one of the following four ways:

● By submitting your vote electronically via the Internet at** www.investorvote.com/OVLY**;

● By submitting your vote telephonically;

● By completing the proxy card and returning it in a pre-paid envelope provided by the Company if you have requested a paper copy of the proxy materials; or

● By attending the Annual Meeting and casting your vote in person.

For the Annual Meeting, the Company is offering shareholders of record the opportunity to vote their shares electronically through the Internet or by telephone. The telephone and Internet voting instructions are provided in the Proxy Notice and the proxy card, and are also listed below. The telephone and Internet voting procedures are designed to authenticate shareholders’ identities, to allow shareholders to give their voting instructions, and to confirm that shareholders’ instructions have been recorded properly. Shareholders voting through the Internet should understand that they may bear certain costs associated with Internet access, such as usage charges from their Internet service providers.