Virginia National Bankshares : Notice & Access Card

PLEASE USE THE CONTROL NUMBER IN THE BOX TO THE RIGHT ABOVE TO REQUEST MATERIALS THROUGH ONE OF THE THREE FOLLOWING METHODS:

TELEPHONE: 888-Proxy-NA (888-776-9962) 201-299-6210(for international callers)

E-MAIL:[e-mail]

WEBSITE:https://us.astfinancial.com/OnlineProxyVoting/ProxyVoting/RequestMaterials

ONLINE: To access your online proxy card, please visit www.voteproxy.comand follow the on-screeninstructions or scan the QR code with your smartphone. You may enter your voting instructions at www.voteproxy.com up until 5:00 PM Eastern Time the day before the meeting date.

IN PERSON: You may vote your shares in person by attending the Annual Meeting.

TELEPHONE: To vote by telephone, please visit www.voteproxy.comto view the materials and to obtain the toll-freenumber to call.

MAIL: You may request a paper proxy card by following the instructions above TO REQUEST MATERIALS.

Important Notice Regarding the Availability of Proxy Materials for the Annual Shareholder Meeting of

VIRGINIA NATIONAL BANKSHARES CORPORATION

To Be Held On:

June 27, 2024 at 10:00 a.m. Eastern Time

at the Hilton Garden Inn, 1793 Richmond Road, Charlottesville, Virginia 22911

JOHN SMITH		COMPANY NUMBER
1234 MAIN STREET
	ACCOUNT NUMBER
APT. 203
NEW YORK, NY 10038
	CONTROL NUMBER

You are receiving this notice because you have shares in this company.

This communication presents only an overview of the more complete proxy materials that are available to you on the Internet. We encourage you to access and review all of the important information contained in the proxy materials before voting.

If you want to receive a paper or e-mail copy of the proxy materials, you must request one. There is no charge to you for requesting a copy. To facilitate timely delivery, please make the request as instructed below before June 13, 2024.

Please visit www.vnbcorp.com/proxy, where the following materials are available for view:

• Notice of Annual Meeting and Proxy Statement

• Annual Report on Form 10-K

TO REQUEST MATERIALS:

TO VOTE:

BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR ALL NOMINEES" IN PROPOSAL 1 AND "FOR" PROPOSALS 2 & 3.

1. Election of the following persons as directors to serve until the next annual meeting of shareholders

NOMINEES: John B. Adams, Jr. Kevin T. Carter Hunter E. Craig William D. Dittmar, Jr. Randolph D. Frostick Linda M. Houston Jay B. Keyser Glenn W. Rust Sterling T. Strange, III Gregory L. Wells

1. Advisory (non-binding) approval of the Company's executive compensation.
2. Ratification of the appointment of Yount, Hyde & Barbour, P.C. as the Company's independent registered public accounting firm for 2024.
3. To transact such other business as may properly come before the Meeting or any adjournments or postponements thereof.

Please note that you cannot use this notice to vote by mail.

To Our Friends and Fellow Shareholders:

The Directors and Staff of

Virginia National Bankshares Corporation

Cordially Invite You to Join Them for an

Informal Discussion

Immediately Following the Formal Annual Meeting

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VIRGINIA NATIONAL BANKSHARES CORPORATION

This Proxy is solicited on behalf of the Board of Directors

The shareholder(s) hereby appoint(s) Virginia R. Bayes, Gregory L. Wells and Sterling T. Strange, III, any of whom may act alone and with full power of substitution, as proxies, to represent and vote all shares of Virginia National Bankshares Corporation (the "Company") of the shareholder(s) at the Annual Meeting of Shareholders of the Company to be held on Thursday, June 27, 2024 at 10:00 a.m. Eastern Time at the Hilton Garden Inn, 1793 Richmond Road, Charlottesville, Virginia 22911, or any adjournment or postponement thereof, on each of the matters listed on the reverse side of this proxy card.

This proxy, when properly executed, will be voted in the manner directed by the shareholder signing on the reverse side of this proxy card, voting online or by telephone. If no direction is made, this proxy will be voted FOR all director nominees in Proposal 1 and FOR Proposals 2 and 3.

(Continued and to be signed on the reverse side.)

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