Voting by Phone. Use any touch-tone telephone to transmit your voting instructions up until 11:59 p.m. Eastern Time the day before the cut-off date or meeting date. Have your proxy card in hand when you call 1-800-690-6903 and then follow the instructions. Voting at the Special Meeting. You may attend the William Penn special meeting and vote. Information regarding how to attend the special meeting is included in the proxy card. If your shares are registered in the name of a broker or other nominee and you wish to vote at the meeting, you will need to obtain a legal proxy from your bank or brokerage firm. Please consult the voting form sent to you by your bank or broker to determine how to obtain a legal proxy in order to vote at the William Penn special meeting. Q: How do I vote my William Penn shares if they are owned through the William Penn 401(k) Plan and the William Penn Bank’s ESOP? A: The William Penn Employee Stock Ownership Plan (the “ESOP”): William Penn shares held by the ESOP are voted by the ESOP trustee, but each participant is entitled to direct the plan trustee how to vote shares of William Penn common stock that are allocated to his or her account under the ESOP. Unallocated William Penn shares and allocated William Penn shares for which the ESOP trustee did not receive instructions from a participant will be voted by the ESOP trustee in the same proportion on each of the proposals as shares held by participants in the ESOP for which voting instructions were received. The deadline for returning your voting instruction form to the trustee of the ESOP is March 28, 2025. The William Penn Bank 401(k) Retirement Savings Plan (the “401(k) Plan”): William Penn shares held by the 401(k) plan are voted by the trustee, but each participant (or beneficiary of a deceased participant) is entitled to direct the trustee how to vote the shares of William Penn common stock that are allocated to his or her account under the 401(k) Plan. All shares of William Penn stock allocated to accounts for which the plan trustee did not receive instructions from a participant will be voted by the plan trustee in the same proportion as the shares for which it has received instructions, subject to the trustee’s discretion and in accordance with applicable fiduciary duties under the Employee Retirement Income Security Act of 1974, as amended. The deadline for returning your voting instruction form to the trustee of the 401(k) Plan is March 28, 2025. Q: Why is my vote important? A: Because the merger cannot be completed without the affirmative vote of a majority of the total number of shares outstanding and entitled to vote at the William Penn special meeting, every shareholder’s vote is important. Q: If my shares of William Penn common stock are held in street name by my broker, will my broker automatically vote my shares for me? A: No. Your broker CANNOT vote your shares on any proposal at the William Penn special meeting without instructions from you. You should instruct your broker as to how to vote your shares, following the directions your broker provides to you. Please check the voting form used by your broker. Q: What if I fail to instruct my broker? A: If you do not provide your broker with instructions, your bank, broker, trustee or other nominee generally will not be permitted to vote your shares on the William Penn merger proposal or any other proposal (a so-called “broker non-vote”) at the William Penn special meeting. Because the affirmative vote of a majority of the total number of shares outstanding and entitled to vote at the special meeting is necessary to approve the William Penn merger proposal, any broker non-votes submitted by brokers or nominees in 9
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