Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

The Board of Directors of Juniata Valley Financial Corp. (the "Company") appointed Steven C. Sliver as a director of the Company on February 21, 2023. Mr. Sliver was appointed to the class of directors whose term expires at the 2025 annual meeting of shareholders and is expected to serve on the Audit and Loan Committees of the Board of Directors. Mr. Sliver attended the Wharton School at the University of Pennsylvania, where he received a bachelor's degree in Economics; later, he attended the Wharton School's Aresty Institute of Executive Education and earned a Certificate of Professional Development. He is a Certified Public Accountant and a member of both the Pennsylvania Institute of Certified Public Accountants and the American Institute of Certified Public Accountants. Mr. Sliver is the former President and CEO of Mutual Benefit Group, where he also served as Chief Risk Officer and Investment Committee Chair on its Board of Directors until his retirement in 2022. Prior to joining Mutual Benefit Group in 1992, he served as Chief Operating Officer, Treasurer, and Vice President at Millers Mutual Insurance Co., and as a staff accountant at Main Lafrentz & Co. (now a part of KPMG International Limited.) He also served as the Director of Corporate Financial Support for Pennsylvania Blue Shield, and as Controller at Keystone Technologies, Inc., its for-profit subsidiary.

Mr. Sliver currently serves on the Board of Directors for Mutual Benefit Group and resides in Huntingdon County Pennsylvania.

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