JUNIATA VALLEY FINANCIAL CORP

Juniata Valley Financial Corp. is a Pennsylvania corporation formed in 1983 as a one-bank holding company. Its primary subsidiary, The Juniata Valley Bank, was organized in 1867 and is the oldest independent commercial bank in Juniata and Mifflin Counties. The Company operates as a single reportable segment, consisting of the Bank. Juniata operates primarily in central and northern Pennsylvania, delivering financial services within its local markets. It provides retail and commercial banking and other financial services through 14 branch locations in Juniata, Mifflin, Perry, McKean, Potter, and Franklin Counties. Additionally, the Company maintains three offices in Mifflin, Juniata, and Centre Counties for loan production, trust services, and wealth management sales. The Company offers a full range of consumer and commercial banking services. Consumer services include online and mobile banking, personal checking accounts, money market and savings accounts, debit cards, certificates of deposit, individual retirement accounts, secured lines of credit, construction and mortgage loans, and safe deposit boxes. Commercial services include low- and high-volume business checking accounts, online account management, remote deposit, ACH origination, payroll direct deposit, commercial lines of credit, commercial letters of credit, mobile deposit for business customers, and commercial term and demand loans. The Bank also provides comprehensive trust, asset management, and estate services. Through a contractual arrangement with a broker-dealer, the Company offers additional financial services to its customers, including annuities, mutual funds, stock and bond brokerage services, and long-term care insurance.