Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 373

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 373
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     | NORWOOD FINANCIAL CORP |     |                                              |
| ATTEST:                     |     | By:                    |     | /s/ James O. Donnelly                        |
| /s/ John M. McCaffery       |     |                        |     | Name:James O. Donnelly                       |
| Name: John M. McCaffery Its 
 Secretary                   |     |                        |     | Title: President and Chief Executive Officer |
|                             |     | WAYNE BANK             |     |                                              |
| ATTEST:                     |     | By:                    |     | /s/ James O. Donnelly                        |
| /s/ John M. McCaffery       |     |                        |     | Name: James O. Donnelly                      |
| Name: John M. McCaffery Its 
 Secretary                   |     |                        |     | Title: President and Chief Executive Officer |
|                             |     | PB BANKSHARES, INC.    |     |                                              |
| ATTEST:                     |     | By:                    |     | /s/ Janak M. Amin                            |
| /s/ Mackenzie L. Jackson    |     |                        |     | Name: Janak M. Amin                          |
| Name: Its Secretary         |     |                        |     | Title: President and Chief Executive Officer |
|                             |     | PRESENCE BANK          |     |                                              |
| ATTEST:                     |     | By:                    |     | /s/ Janak M. Amin                            |
| /s/ Mackenzie L. Jackson    |     |                        |     | Name:Janak M. Amin                           |
| Name: Its Secretary         |     |                        |     | Title: President and Chief Executive Officer |

A-67

EXHIBIT B

AGREEMENT AND PLAN OF BANK MERGER

THIS AGREEMENT AND PLAN OF BANK MERGER (this “Bank Merger Agreement”), is made and entered into as of this 7 day of July 2025, by and between Wayne Bank (“Wayne Bank”), a Pennsylvania chartered commercial bank having its principal place of business at 717 Main Street, Honesdale, Pennsylvania
18431, and Presence Bank (“Presence Bank”), a Pennsylvania chartered stock bank, having its principal place of business at 185 E. Lincoln Highway, Coatesville, Pennsylvania 19320.

BACKGROUND

A. Wayne Bank
is a wholly owned subsidiary of Norwood Financial Corp (“Nor