Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 59

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 59
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 attend the special meeting and vote in person. If you hold shares of PB Bankshares common stock as the shareholder of record, you have the right to vote those shares in person or by proxy at the PB Bankshares special meeting. You may submit a proxy by signing, dating and completing the enclosed proxy care or by submitting your vote through the Internet or by telephone. Information and applicable deadlines for submitting a proxy through the Internet or by telephone are set forth in this proxy statement/prospectus and in the proxy card instructions. However, if you are not the record holder of your shares, you must obtain a written legal proxy from your bank, brokerage firm or other nominee authorizing you to vote those shares at the special meeting. If your shares are registered directly in your name, you are the holder of record of these shares and we are sending these proxy materials directly to you. As the holder of record, you have the right to give your proxy directly to us or to vote in person at the special meeting. If you hold your shares in street name, your broker, bank or other holder of record is sending these proxy materials to you. As the beneficial owner, you have the right to direct your broker, bank or other holder of record how to vote your shares by filling out a voting instruction form that accompanies your proxy materials. Your broker, bank or other holder of record may allow you to provide voting instructions by telephone or by the Internet. Please see the instruction form provided by your broker, bank or other holder of record that accompanies this proxy statement/prospectus. If you hold your shares in street name, you will need proof of ownership to be admitted to the special meeting. A recent brokerage statement or letter from a bank or broker are examples of proof of ownership. If you want to vote your shares of PB Bankshares common stock held in street name at the special meeting, you must obtain a written proxy in your name from the broker, bank or other nominee who is the record holder of your shares. You will receive a confirmation of your registration by email after we receive your registration materials. 35

Quorum and Vote Required Quorum. We will have a quorum and will be able to conduct the business of the special meeting if the holders of a majority of the outstanding shares of common stock entitled to vote are present in person or by proxy at the meeting. Votes Required for Proposals.Under Maryland law and PB Bankshares’ articles of incorporation, approval of the merger agreement will require the affirmative vote of the holders of a majority of the