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 Christina Calkins-Mazur as a director of the Company on March 21, 2023. Mrs. Calkins-Mazur was appointed to the class of directors whose term expires at the 2024 annual meeting of shareholders and is expected to serve on the Trust and Loan Committees of the Board of Directors. She was born in Ashland, Oregon and moved to Pennsylvania in 1978. Upon graduating from St. Francis University with a degree in Business Management, she worked with her father full-time at Calkins Buick GMC Subaru in Burnham, Pennsylvania. She became the Dealer Principle in 2009 and sold the business and retired in 2019. Mrs. Calkins-Mazur is a service-oriented professional serving on various boards of directors and committees in addition to her professional commitments. She is the current Chair of the Mifflin County Industrial Development Authority and a board member of the Mifflin County Industrial Development Corporation. She is also a board member for the United Way and was a past United Way Campaign Chair. Continuing a family legacy of service for Rotary International, she is a current director and has been an active member since 2001. Mrs. Calkins-Mazur previously served as the Vice Chair for the Juniata River Valley Chamber and is presently a director working to advise the Executive Director to promote Mifflin and Juniata counties, offering opportunities to connect with other businesses, leadership development, advocacy and support, as well as educational opportunities. Mrs. Calkins-Mazur was previously a regional advisory board member for Kish Bank.

Mrs. Calkins-Mazur lives in Lewistown, Pennsylvania with her husband and their two children.

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