Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 371

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 371
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 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 A

VOTING AGREEMENT

July 7, 2025

Board of Directors

Norwood Financial Corp

717 Main Street

Honesdale, PA 18431

Re: Shareholder Voting Agreement

Dear Ladies and Gentlemen:

The
undersigned shareholder (“Shareholder”) of PB Bankshares, Inc., a Maryland corporation (“PB Bankshares”), in order to induce Norwood Financial Corp, a Pennsylvania corporation (“Norwood”), to enter into the
Agreement and Plan of Merger, of even date herewith, executed by and among PB Bankshares and Presence Bank, on one hand, and Norwood and Wayne Bank, on the other hand (the “Agreement”), hereby represents, warrants and agrees as follows:

1. Shareholder hereby represents and warrants that Shareholder owns of record, or beneficially, good and valid title to all of the shares
of the capital stock of PB Bankshares shown onSchedule1, attached hereto, free and clear of any and all mortgages, liens, encumbr