JUNIATA VALLEY FINANCIAL CORP

Juniata Financial Corporation (SEC 10-K Item 1C) discloses no cybersecurity incidents to date. The filing details a robust risk management program aligned with FFIEC guidelines, including governance by the Board and IT Steering Committee, employee training, third-party vendor management, and regular penetration testing. The company states it has not experienced any incident materially affecting or reasonably likely to materially affect the Company.