Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 11

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 11
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, you must provide proof that you own the shares held by such broker or nominee in order to attend the special meeting and vote in person. 3

| Q: | What matters are PB Bankshares shareholders being asked to approve at the special meeting pursuant to the 
 proxy statement/prospectus?                                                                               |

A: PB Bankshares shareholders are being asked to approve the merger agreement and the transactions contemplated by the merger agreement, including the merger. PB Bankshares shareholders also are being asked to approve a proposal to adjourn, postpone or continue the special meeting, if necessary, to solicit additional proxies in favor of adoption of the merger agreement.

| Q: | How may I vote my shares at the PB Bankshares special meeting? |

If you hold shares of PB Bankshares common stock as the shareholder of record, you have the right to vote those shares in person at the special meeting or by submitting your proxy to be voted by the proxyholders at the PB Bankshares special meeting. You may submit your proxy by completing, signing, dating and returning the enclosed proxy card or by phone or through the Internet. Information and applicable deadlines for voting by phone or through the Internet are set forth in this proxy statement/prospectus and in the proxy card instructions. If you hold your shares in “street name,” you are considered the beneficial owner of your shares and your broker, bank or other holder of record is sending the proxy statement/prospectus to you. As the beneficial owner, you have the right to direct your broker, bank or other holder of record how to vote by completing a voting instruction form provided by your broker, bank or other holder of record that accompanies your proxy materials. If you hold your shares in street name, it is critical that you cast your vote if you want it to count in the vote on the merger. Current regulations restrict the ability of your bank, broker or other holder of record to vote your shares in the election of directors and certain other matters on a discretionary basis. Therefore, if you hold your shares in street name and you do not instruct your bank, broker or other holder of record on how to vote in the election of directors, no votes will be cast on your behalf. These are referred to as “broker non-votes.” Even if you plan to attend the PB Bankshares special meeting, you should submit a proxy card or voting instruction form for your shares in advance, so that your vote will be counted if you later decide not to attend the special meeting.

| Q: | How do Participants in the Presence Bank