Company: PFIS
Filing Date: 2025-04-21
Form Type: S-3
Source: 0001104659-25-036894
Chunk: 18

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-04-21
Form: S-3
Chunk 18
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 entitled to indemnification as provided in Peoples’ bylaws unless either a majority of the directors who are not involved in such proceedings (“disinterested directors”) or, if there are less than three (3) disinterested directors, then the holders of one-third of the outstanding shares of Peoples determine that the person is not entitled to such presumption by certifying such determination in writing to the secretary of Peoples. In such event the disinterested director(s) or, in the event of certification by shareholders, the secretary of Peoples shall request of independent counsel, who may be the outside general counsel of Peoples, a written opinion as to whether or not the parties involved are entitled to indemnification under Peoples’ bylaws.

In the event of an action against our directors, officers, or employees, Peoples’ bylaws provide that expenses incurred in defending a civil or criminal action, suit or proceeding may be paid by Peoples in advance of the final disposition of such action, suit or proceeding as authorized in the manner provided in Peoples’ bylaws upon receipt of an undertaking by or on behalf of the director, officer and/or employee to repay such amount unless it shall ultimately be determined that he is entitled to be indemnified by Peoples as authorized in the Peoples’ bylaws.

The indemnification provided by the Peoples’ bylaws shall not be deemed exclusive of any other rights to which a person seeking indemnification may be entitled under any agreement, vote of shareholders or disinterested directors, or otherwise, both as to action in his official capacity while serving as a director, officer and/or employee and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be a director, officer and/or employee and shall inure to the benefit of the heirs and personal representatives of such a person.

#### Directors and Officers Liability Insurance
Peoples maintains a policy of directors and officers liability insurance to cover certain potential liabilities of present or future directors and officers, as well as employees, for actions taken in their capacities as such and in certain other limited circumstances, including certain potential liabilities under the Securities Act.

#### Listing and Transfer Agent
Peoples common stock is listed on Nasdaq under the symbol “PFIS”. The transfer agent for Peoples common stock is Equiniti Trust Company, LLC, 55 Challenger Road, Suite 200, Ridgefield Park, NJ 07660.

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TABLE OF CONTENTS

### DESCRIPTION OF DEBT SECURITIES

#### Debt May Be Senior or Subordinated
We may issue