Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 63

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 63
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 Information about PB Bankshares’ physical properties is set forth below as of June 30, 2025.

| Location          |     | Leased or 
 Owned     |        |     | Year Acquired 
 or Leased     |      |
| Main Office:      |     |           |        |     |               |      |
| Coatesville       |     |           | Leased |     |               | 2022 |
| Other Properties: |     |           |        |     |               |      |
| New Holland (1)   |     |           | Owned  |     |               | 1995 |
| Oxford (1)        |     |           | Leased |     |               | 2024 |
| Christiana (1)    |     |           | Owned  |     |               | 2005 |
| Harrisburg (2)    |     |           | Leased |     |               | 2021 |
| Lancaster (3)     |     |           | Leased |     |               | 2024 |

| (1) | Branch location. |

| (2) | Loan production office. |

| (3) | Administrative office. |

Legal Proceedings From time to time, PB Bankshares is a party to various litigation matters incidental to the conduct of its business. As of June 30, 2025, PB Bankshares does not believe that any currently pending legal proceedings will have a material adverse effect on its business, financial condition or results of operations. Information about PB Bankshares executive officers who will become executive officers of Norwood The following discussion provides information, as of September 1, 2025, about executive officers of PB Bankshares who are anticipated to be appointed as executive officers of Norwood upon completion of the merger: Janak M. Amin, age 60, is the President, Chief Executive Officer and a director of Presence Bank and PB Bankshares and will be appointed as the Executive Vice President and Chief Operating Officer of Norwood upon completion of the merger. Mr. Amin leads the team at Presence Bank with values-driven principles that he has cultivated throughout two decades of executive leadership experience in the banking industry in Pennsylvania and Florida. Prior to joining Presence Bank, from 2018 to 2019, Mr. Amin served as Chief Executive Officer at LeTort Trust, an Independent Trust Company that provides personalized financial solutions to individuals, businesses and institutions. From 2016 to 2018, Mr. Amin served in