Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 60

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 60
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 outstanding shares of PB Bankshares entitled to vote on the proposal. Approval of the adjournment proposal will require the affirmative vote of a majority of the votes cast at the PB Bankshares special meeting, assuming a quorum is present. Abstentions and broker non-voteswill have the same effect as voting against the merger agreement proposal but will have no effect on the adjournment proposal. As of the PB Bankshares record date, directors and executive officers of PB Bankshares and their affiliates had the right to vote approximatelyshares of PB Bankshares common stock, or% of the outstanding shares of PB Bankshares common stock at that date. Each of the directors and executive officers of PB Bankshares has entered into a voting agreement with Norwood to vote all of his or her shares of PB Bankshares common stock over which he or she has sole voting power in favor of the merger agreement. How We Count Votes.If you return valid proxy instructions or attend the special meeting virtually, we will count your shares for purposes of determining whether there is a quorum, even if you abstain from voting. Broker non-votesalso will be counted for purposes of determining the existence of a quorum. Broker non-votesand abstentions will have the effect of a vote against the proposal to approve the merger agreement and will have no effect on the proposal to adjourn, postpone, or continue the PB Bankshares special meeting. Voting by Proxy The board of directors of PB Bankshares is sending you this proxy statement/prospectus for the purpose of requesting that you allow your shares of PB Bankshares common stock to be represented at the special meeting by the persons named in the board of directors’ form of proxy. PB Bankshares shareholders of record may vote by proxy in any of three different ways:

| • |     | Voting by Telephone. Call      (toll free) and follow the                                           
 instructions in the recorded message. You will need to have your proxy card with you when you call. |

| • |     | Voting on the Internet. Go to      and follow the                                                       
 instructions. You will need to have your proxy card with you when you link to the internet voting site. |

| • |     | Voting by Mail. Complete, sign, date and return the enclosed proxy card in the envelope 
 provided.                                                                               |

All shares of PB Bankshares common stock represented at the special meeting by properly executed and dated proxies will be voted according to the instructions indicated in the proxy