NORWOOD FINANCIAL CORP | Business Contracts

First Amendment to Salary-Continuation Agreement dated January 24, 2023, between Wayne Bank and William S. Lance (Filed With SEC on March 17, 2023)

Stock Award Agreement, dated May 10, 2022, between Norwood Financial Corp and James O. Donnelly (Filed With SEC on May 12, 2022)

Agreement and Plan of Merger, dated January 8, 2020 by and among Norwood Financial Corp., Wayne Bank, UpState Bancorp, Inc. and USNY Bank (Filed With SEC on January 9, 2020)

Addendum to Change in Control Severance Agreement dated January 20, 2023 with William S. Lance (Filed With SEC on March 17, 2023)

Consulting Agreement, dated July 1, 2022, by and between Norwood Financial Corp and Lewis J. Critelli (Filed With SEC on July 5, 2022)

Employment Agreement, dated May 9, 2022, by and among Norwood Financial Corp, Wayne Bank and James O. Donnelly (Filed With SEC on May 12, 2022)

Salary Continuation Agreement, dated May 10, 2022, between Wayne Bank and James O. Donnelly (Filed With SEC on May 12, 2022)

Change-In-Control Severance Agreement, dated February 14, 2022, by and among Norwood Financial Corp, Wayne Bank, and Vincent G. OBell (Filed With SEC on March 11, 2022)

First Amendment to Salary Continuation Agreement with John F. Carmody (Filed With SEC on May 7, 2021)

Salary Continuation Agreement, dated March 1, 2021, between Wayne Bank and John F. Carmody (Filed With SEC on March 2, 2021)

Description of Capital Stock of Norwood Financial Corp (Filed With SEC on March 13, 2020)

Wayne Bank Executive Annual Incentive Plan (Filed With SEC on March 13, 2020)

NORWOOD FINANCIAL CORP (12)