2015 JVB Letter

A Holiday Gift for you – extra money to spend for the holidays!

Dear Customer:

The holiday season brings a happy time of gift giving, family visits, and other holiday activities. Sometimes the season also brings a financial strain to our budgets. Keep the holidays relaxed and enjoyable with extra cash in your pocket! Use this limited-time opportunity to skip your December 2015 or January 2016 Juniata Valley Bank loan payment* for the loan account number on the attached skip-a-pay certificate below. It’s quick and easy. On your certificate below, circle the month you want to skip and bring the certificate to your local Juniata Valley Bank branch, along with a payment of $40 to cover processing, before the due date of the payment you have chosen to defer. Interest will continue to accrue on your loan and your final payment will be due one month later than usual. (Recommended for coupon book loans: Place the coupon of the skipped payment in the back of your coupon book as a reminder.) With your regular payment deferred, you’ll have extra cash to use where needed: finish your holiday shopping; get your home ready for family and friends; purchase a great gift for someone special; or, treat yourself! Whatever you choose, it is our hope that you will enjoy the financial flexibility this opportunity affords. We appreciate and value your business and the excellent way you’ve managed your account. Bring in or mail your Skip-A-Payment Certificate today.

Sincerely,

MAIL PROOF Size Ink(s) MAIL P Size Ink(s) Jon R. Yarger VP/Consumer Lending Manager THE JUNIATA VALLEY BANK

3.4 x 7.5

3.4 x 7.5

micr

176 micr

Pape Paper(s

176

Intelliprint

36361

EALER LER

P.O.#

Intelliprint

36361

P.O.#

PLEASE NOTE THAT COLORS SHOWN ARE APPROXIMATE TO SPECIFIC COLORS CHOSEN. PLEASE VERIFY ALL I AND SPECIFICATIONS AS YOUR PRODUCT WILL BE PRODUCED AS IT APPEARS HERE UPON YOUR APPR EASE NOTE THAT COLORS SHOWN ARE APPROXIMATE TO SPECIFIC COLORS CHOSEN. PLEASE VERIFY ALL IN AND SPECIFICATIONS AS YOUR PRODUCT WILL BE PRODUCED AS IT APPEARS HERE UPON YOUR APPRO *Signing this certificate authorizes your payment to be skipped and will extend the maturity date of the loan one month. Finance charges will continue to accrue on the unpaid balance. No portion of the processing fee will be applied to the loan. If you take advantage of this option, there is a possibility that if you have Credit Life and or Accident/Health Insurance coverage on your loan, this coverage will not extend beyond the original maturity date of said loan. Also, your last loan payment may be larger than originally stated, and the extension of the term of your loan will result in your paying more interest than was originally estimated. Skip-a-payment does not include escrow due. Escrow must be satisfied separately or The Juniata Valley Bank can calculate the skipped escrow amount into your next year’s escrow payments. 5/12/10 5 DATE

5/12/10

5 DATE

PROOF # OF #

Holiday Skip-A-Payment Certificate Juniata Valley Bank

844721-07.1

CREDIT GENERAL LEDGER

844721-07.1

CREDIT GENERAL LEDGER

Juniata Valley Bank

APPROVED BY YES! Sign me up for Skip-A-Payment* from The Juniata Valley Bank. Here is my Skip-A-Payment Certificate and $40 for processing. I agree to the Terms and Conditions as described in the attached letter. Payment to Skip (circle One) December or January APPROVED BY OFFSET ENTRY PREPARED BY DATE OFFSET ENTRY PREPARED BY DATE

ACCOUNT TITLE

ACCOUNT NUMBER

COST CENTER

Name(s): ACCOUNT TITLE

GL ACCOUNT NUMBER

DESCRIPTION / REMARKS

DESCRIPTION / REMARKS

T/C 1 0

Signature(s):_ _______________________________________________

T/C 1 0

__________________________________________________________

AMOUNT

AMOUNT

S

.

4 0 0 0

S

.

Date ______________________ Loan Account:

A5210D1021A

10

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