Oak Valley Bancorp

Internet** — Access www.investorvote.com/OVLY** and follow the on-screen instructions, to cast your vote. Votes may be cast via the Internet until 11:00 PM PDT, June 15, 2026, the day before the meeting.

Telephone — Call toll free 1-800-652-8683 from any touch-tone telephone and follow the instructions to obtain your identification number, which will allow you to cast your vote. Votes may be cast via telephone until 11:00 PM PDT, June 15, 2026, the day before the meeting.

At the Annual Meeting — You may vote your shares by attending the Annual Meeting in person.

Mail — If you have requested a paper copy of proxy materials, you should sign, date and mail your proxy card in the envelope provided as soon as possible. Instructions on requesting a paper copy of the proxy materials are listed below.

If a shareholder chooses to submit the vote by mail, the shareholder should request a paper copy of the proxy materials (which include this proxy statement, our 2025 Annual Report to Shareholders, our Annual Report on Form 10-K for the year ended December 31, 2025 and the proxy card), and the Company will send the shareholder the proxy card along with the rest of the proxy materials, as well as a pre-paid envelope. The shareholder then would vote by signing and returning the proxy card in the pre-paid envelope to the Company. There is no charge to a shareholder for requesting a paper copy of the proxy materials. If you wish to receive a paper copy of the proxy materials, you must request a copy as instructed below on or before June 5, 2026 to ensure timely delivery.

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