Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 365

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 365
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 Bankshares and Presence Bank with respect to the transactions contemplated hereunder and this Agreement
supersedes all prior arrangements or understandings with respect thereto, whether written or oral with the exception of the Non-Disclosure Agreements between Norwood and Bankshares which will survive the
execution and delivery of this Agreement. The terms and conditions of this Agreement shall inure to the benefit of and be binding upon the Parties hereto and their respective permitted successors. Except as expressly set forth in Section 6.4 of
this Agreement, nothing in this Agreement, expressed or implied, is intended to confer upon any person, firm, corporation or entity, other than the Parties hereto and their respective successors, any rights, remedies, obligations or liabilities
under or by reason of this Agreement.

Section 11.3 . All notices or other communications
which are required or permitted hereunder shall be in writing and sufficient if delivered personally, sent by a nationally recognized overnight delivery service or sent by first class or registered or certified mail, postage prepaid, telegram or
telex or other facsimile transmission addressed as follows:

If to Bankshares:

PB Bancshares, Inc.

185 E.
Lincoln Highway

Coatesville, Pennsylvania 19320

Attention: Janak M. Amin, President and Chief Executive Officer

Email: jamin@presencebank.com

With a copy to:

Barley Snyder,
LLP

126 East King Street

Lancaster, Pennsylvania 17602

Attn: Kimberly J. Decker, Esq.

Email: kdecker@barley.com

If to
Norwood, then to:

Norwood Financial Corp

717 Main Street

Honesdale,
Pennsylvania 18431

Attention: James O. Donnelly, President

Email: jim.donnelly@waynebank.com

With a copy to:

Jones Walker
LLP

1 M Street SE

Suite
600

Washington, DC 20003

Attention: John J. Spidi, Esq.

Email: jspidi@joneswalker.com

A-64

All such notices or other communications shall be deemed to have been delivered (i) upon receipt when
delivery is made by hand, (ii) on the business day after being deposited with a nationally recognized overnight delivery service, (iii) on the third (3rd) business day after deposit in the United States mail when delivery is made by first
class, registered or certified mail, and (iv) upon transmission when made by