Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 251

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 251
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 Representations, Warranties                
 and Covenants                                              |     | A-60 |
| Article 11 - MISCELLANEOUS                           |     |                                                            |     | A-60 |
| Section 11.1                                         |     | Definitions                                                |     | A-60 |
| Section 11.2                                         |     | Entire Agreement                                           |     | A-64 |
| Section 11.3                                         |     | Notices                                                    |     | A-64 |
| Section 11.4                                         |     | Severability                                               |     | A-65 |
| Section 11.5                                         |     | Costs and Expenses                                         |     | A-65 |

A-iii

| Section 11.6  |     | Captions                              |     | A-65 |
| Section 11.7  |     | Counterparts                          |     | A-65 |
| Section 11.8  |     | Persons Bound; No Assignment          |     | A-65 |
| Section 11.9  |     | Governing Law                         |     | A-65 |
| Section 11.10 |     | Exhibits and Disclosure Schedules     |     | A-65 |
| Section 11.11 |     | Waiver                                |     | A-66 |
| Section 11.12 |     | Construction of Terms                 |     | A-66 |
| Section 11.13 |     | Specific Performance                  |     | A-66 |
| Section 11.14 |     | No Presumption Against Drafting Party |     | A-66 |
| Section 11.15 |     | Confidential Supervisory Information  |     | A-66 |
| Section 11.16 |     | Waiver of Jury Trial                  |     | A-66 |
| Exhibits      |     |                                       |     |      |
| Exhibit A     |     | Form of Voting Agreement              |     |      |
| Exhibit B     |     | Bank Plan of Merger                   |     |      |

A-iv

AGREEMENT AND PLAN OF MERGER

By and Among

NORWOOD FINANCIAL CORP,

WAYNE BANK,

PB BANKSHARES, INC.

AND

PRESENCE BANK

This AGREEMENT AND PLAN OF MERGER, dated as of the 7th day of July, 2025 (this “Agreement”), by and among Norwood Financial Corp,
a Pennsylvania corporation (“Norwood”), Wayne