Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 12

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 12
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 as voting against the merger agreement proposal but will have no effect on the adjournment proposal. As of the record date for the special meeting, directors and executive officers of PB Bankshares, together with their affiliates, had sole voting power over approximately 14.3% of the PB Bankshares common stock outstanding and entitled to vote at the special meeting and have entered into voting agreements agreeing to vote all of such shares owned by them in favor of the merger agreement proposal.

| Q: | What do PB Bankshares shareholders need to do now? |

A: After carefully reading and considering the information contained in this proxy statement/prospectus, please vote your shares promptly. If you hold your shares of PB Bankshares common stock as a shareholder of record, you should complete, sign, date and promptly return the enclosed proxy card or vote on the internet. The proxy card will instruct the persons named on the proxy card to vote your PB Bankshares shares at the special meeting as you direct. If you sign and send in a proxy card or vote by telephone or on the internet and do not indicate how you wish to vote, the proxy will be voted “FOR” all of the PB Bankshares special meeting proposals. If you hold your stock in “street name” through a bank or broker, 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 statement/prospectus.. Submitting your proxy card, voting by telephone or on the internet or directing your bank or broker to vote your shares will ensure that your shares are represented and voted at the special meeting. 5

| Q: | What should a PB Bankshares shareholder do if he or she receives more than one set of voting materials? |

A: As a PB Bankshares shareholder, you may receive more than one set of voting materials, including multiple copies of this proxy statement/prospectus and multiple PB Bankshares proxy cards or voting instruction cards. For example, if you hold your PB Bankshares shares in more than one brokerage account, you will receive a separate voting instruction card for each brokerage account in which you hold PB Bankshares shares. If you are a holder of record and your PB Bankshares shares are registered in more than one name, you will receive more than one proxy card. Please complete, sign, date and return each proxy card and voting instruction card that you receive or otherwise follow the voting instructions set forth in this proxy statement/prospect