Juniata Valley Financial Corp. Watch

from 10-K/A 7 pages ​ Employee Annual Incentive Plan ​ ​ I. Introduction/Purpose

from 10-K 7 pages ​ Employee Annual Incentive Plan ​ ​ I. Introduction/Purpose

from 10-K 7 pages ​ ​ ​ Employee Annual Incentive Plan Plan Document ​ ​ Plan Effective: January 1, 2004 Last Plan Amendment: June 19, 2012 Revised/Approved: February 21, 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Last Amendment: June 19, 2012 Last Schedule a Revision and Approval: February 21, 2023 Employee Annual Incentive Plan ​ I. Introduction/Purpose

from 10-Q 2 pages Third Amendment to the Juniata Valley Bank and Juniata Valley Financial Corp. Directors’ Deferred Compensation Plan ​ ​

from 8-K 7 pages Change of Control Severance Agreement

from 10-K 7 pages ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Employee Annual Incentive Plan Plan Document ​ ​ ​ ​ ​ Plan Effective: January 1, 2004 ​ Revised/Approved: February 15, 2022 ​ ​ ​ ​ ​ Employee Annual Incentive Plan ​ ​ I. Introduction/Purpose ​

from 10-K 7 pages ​ ​ ​ ​ ​ ​ ​ ​ ​ Employee Annual Incentive Plan Plan Document ​ ​ ​ ​ ​ Plan Effective: January 1, 2004 ​ Revised/Approved: February 5, 2021 ​ Last Amendment: June 19, 2012 Last Schedule a Revision and Approval: February 7, 2019 ​ Employee Annual Incentive Plan ​ ​ ​ I. Introduction/Purpose ​

from 10-K 7 pages Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 7, 2020 Last Amendment: June 19, 2012 Last Schedule a Revision and Approval: February 7, 2019 Employee Annual Incentive Plan I. Introduction/Purpose II. Plan Year the Plan Year for This Program Will Be the Calendar Year. the Effective Date of the Plan Is January 1, 2004. the Performance Measures for This Will Be Determined, Calculated and Approved Annually. III. Participation in Order to Be Eligible, an Individual Must Meet the Following Criteria: · Must Have Been Employed Prior to July 1 of the Plan Year;

from 10-K 6 pages Employee Annual Incentive Plan I. Introduction/Purpose II. Plan Year the Plan Year for This Program Will Be the Calendar Year. the Effective Date of the Plan Is January 1, 2004. the Performance Measures for This Will Be Determined, Calculated and Approved Annually. III. Participation in Order to Be Eligible, an Individual Must Meet the Following Criteria: · Must Have Been Employed Prior to July 1 of the Plan Year; · Must Be Employed in a Full-Time or Part-Time Position; and · Must Receive an Overall Rating of “Good” or Better on His/Her Most Recent Individual Performance Evaluation Prior to the Plan Year Award

from 10-K 7 pages Employee Annual Incentive Plan I. Introduction/Purpose II. Plan Year the Plan Year for This Program Will Be the Calendar Year. the Effective Date of the Plan Is January 1, 2004. the Performance Measures for This Will Be Determined, Calculated and Approved Annually. III. Participation in Order to Be Eligible, an Individual Must Meet the Following Criteria: · Must Have Been Employed Prior to July 1 of the Plan Year; · Must Be Employed in a Full-Time or Part-Time Position; and · Must Receive an Overall Rating of “Good” or Better on His/Her Most Recent Individual Performance Evaluation Prior to the Plan Year Award

from 10-K 7 pages Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: January 31, 2017 1

from 10-K 7 pages III. Participation in Order to Be Eligible, an Individual Must Meet the Following Criteria: · Must Have Been Employed Prior to July 1 of the Plan Year; · Must Be Employed in a Full-Time or Part-Time Position; and · Must Receive an Overall Rating of “Good” or Better on His/Her Most Recent Individual Performance Evaluation Prior to the Plan Year Award

from 10-K 7 pages Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 6, 2015 Employee Annual Incentive Plan I. Introduction/Purpose II. Plan Year the Plan Year for This Program Will Be the Calendar Year. the Effective Date of the Plan Is January 1, 2004. the Performance Measures for This Will Be Determined, Calculated and Approved Annually. III. Participation in Order to Be Eligible, an Individual Must Meet the Following Criteria: · Must Have Been Employed Prior to July 1 of the Plan Year; · Must Be Employed in a Full-Time or Part-Time Position; and · Must Receive an Overall Rating of “Good” or Better on His/Her Most Recent Individual Performance Evaluation Prior to the Plan Year Award

from 10-K 7 pages Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 7, 2014 Last Amendment: June 19, 2012 Last Schedule a Revision and Approval: February 7, 2014 Employee Annual Incentive Plan I. Introduction/Purpose II. Plan Year the Plan Year for This Program Will Be the Calendar Year. the Effective Date of the Plan Is January 1, 2004. the Performance Measures for This Will Be Determined, Calculated and Approved Annually. III. Participation in Order to Be Eligible, an Individual Must Meet the Following Criteria: · Must Have Been Employed Prior to July 1 of the Plan Year;

from 10-K 6 pages Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Last Proposed Revision: June 11, 2012 N Denotes That Confidential Information Has Been Omitted Pursuant to a Request for Confidential Treatment and Such Confidential Information Has Been Filed Separately With the Securities Exchange Commission. Last Amendment: June 11, 2012 Employee Annual Incentive Plan I. Introduction/Purpose II. Plan Year the Plan Year for This Program Will Be the Calendar Year. the Effective Date of the Plan Is January 1, 2004. the Performance Measures for This Will Be Determined, Calculated and Approved Annually. III. Participation in Order to Be Eligible, an Individual Must Meet the Following Criteria: · Must Have Been Employed Prior to July 1 of the Plan Year; · Must Be Employed in a Full-Time or Part-Time Position; and · Must Receive an Overall Rating of “Good” or Better on His/Her Most Recent Individual Performance Evaluation Prior to the Plan Year Award

from 8-K 4 pages Goals Performance Measures (Basic) Earnings Per Share (75%) Threshold Target Optimum $1.04 $1.10 $1.21 Return on Average Equity (25%) Threshold Target Optimum 8.59% 9.04% 9.94% Awards (% of Base Pay) Threshold Target Optimum 12% 20% 30%

from 10-K 5 pages First Amendment to the Juniata Valley Bank and Juniata Valley Financial Corp. Directors’ Deferred Compensation Plan

from 8-K 8 pages Juniata Valley Financial Corp. 2011 Stock Option Plan Approved: March 15, 2011

from 8-K 6 pages Goals Performance Measures (Basic) Earnings Per Share (75%) Threshold Target Maximum $1.09 $1.15 $1.27 Return on Average Equity (25%) Threshold Target Maximum 9.15% 9.63% 10.59% Awards (% of Base Pay) Threshold Target Maximum 12% 20% 30%

from 8-K ~5 pages Juniata Valley Financial Corp Executive Annual Incentive Plan