Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 15

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 15
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 proxies will be revoked automatically);                                                             |

| • |     | voting again on the internet prior to the time the PB Bankshares special meeting begins (any earlier proxies will 
 be revoked automatically); or                                                                                     |

| • |     | attending the PB Bankshares special meeting and voting in person. Any earlier proxy will be revoked. However, 
 simply attending the special meeting without voting will not revoke your proxy.                               |

If you have instructed a bank or broker to vote your shares, you must follow your bank’s or broker’s directions to change your vote. You should send any notice of revocation or your completed new proxy card, as the case may be, to Lindsay S. Bixler as follows: Lindsay S. Bixler, CFO 185 E. Lincoln Highway, Coatesville, PA 19320 Shareholders, Banks and Brokers Call: (610) -384-8282

| Q: | What happens if I sell my shares of PB Bankshares common stock before the special meeting? |

A: The record date for PB Bankshares shareholders entitled to vote at the special meeting is earlier than both the date of the special meeting and the completion of the merger. If you transfer your PB Bankshares shares of common stock after the record date but before the special meeting, you will, unless special arrangements are made, retain your right to vote at the special meeting but will transfer the right to receive the merger consideration to the person to whom you transfer your shares.

| Q: | Who can help answer my questions about the PB Bankshares special meeting? |

A: If you have any questions about the merger or the PB Bankshares special meeting, or if you need additional copies of this proxy statement/prospectus or the enclosed proxy card, you should contact Lindsay S. Bixler, CFO, PB Bankshares, Inc. at (610) 384-8282. 6

SUMMARY

This summary, together with the section of this proxy statement/prospectus entitled “Questions and Answers” highlights selected information from this proxy statement/prospectus and may not contain all of the information that is important to you. To understand the merger fully, and for a more complete description of the legal terms of the merger, you should carefully read this entire proxy statement/prospectus, the annexes attached to this proxy statement/ prospectus and the documents which are referred to in this proxy statement/prospectus. The Agreement and Plan of Merger, dated as of July 7, 2025,