Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 193

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 193
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 of any matters that will be presented
for consideration at its special meeting other than as described in this proxy statement/prospectus. However, if any other matter shall properly come before the special meeting or any adjournment or postponement thereof and shall be voted upon, the
proposed proxies will be deemed to confer authority to the individuals named as authorized therein to vote the shares represented by the proxy as to any matters that fall within the purposes set forth in the notices of special meetings.

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INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE The SEC allows Norwood to incorporate by reference information in this proxy statement/prospectus. This means that Norwood can disclose important information to you by referring you to other documents filed separately with the SEC that are legally considered to be part of this document, and later information that is filed by Norwood with the SEC will automatically update and supersede the information in this document and the documents listed below. For purposes of this proxy statement/prospectus, any statement contained in a document incorporated or deemed to be incorporated herein by reference shall be deemed to be modified or superseded to the extent that a statement contained herein or in any other subsequently filed document which also is or is deemed to be incorporated herein by reference modifies or supersedes the statement in the document. Norwood incorporates by reference the specific documents listed below and any future filings that Norwood makes with the SEC under Section 13(a), 13(c), 14 or 15(d) of the Exchange Act between the date of this proxy statement/prospectus, provided that Norwood is not incorporating by reference any information furnished to, but not filed with, the SEC. Norwood SEC Filings (SEC File No. 000-28364)

You can obtain any of the Norwood documents incorporated by reference into this proxy statement/prospectus, and any exhibits specifically incorporated by reference as an exhibit in this document, at no cost, by requesting them in writing or by telephone from Norwood at the following email address and phone number: Norwood Investor Relations Email: ir@waynebank.com Telephone: (800) 598-5002 You should rely only on the information contained or incorporated by reference into this document. Norwood has supplied all information contained or incorporated by reference into this document relating to Norwood. Norwood has not authorized anyone to provide you with information that is different from what is contained in this document. This document is dated October 28, 2025. You should not assume that the information contained in