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Changes in Internal Control over Financial Reporting
−Removed: Chivinski became interim Chief Financial Officer on February 8, 2024.
−Removed: Kraemer became Chief Financial Officer on November 1, 2024.
−Removed: The Republic First Transaction was completed on April 26, 2024, as further discussed in "Note 2—Business Combinations." System conversion was completed in the fourth quarter of 2024.
−Removed: The Corporation acquired substantially all of the assets and assumed substantially all of the deposits and certain liabilities of Republic First Bank from the FDIC, as receiver for Republic First Bank.
−Removed: The scope of management's assessment of effectiveness of the Corporation's internal control over financial reporting as of December 31, 2024, excludes the internal control over financial reporting associated with total acquired assets of approximately $4.8 billion and total net revenues of $156.2 million for the year ended December 31, 2024.
−Removed: Other than the above, there have been no changes in the Corporation's internal control over financial reporting during the Corporation's fiscal year ended December 31, 2024, that have materially affected, or are reasonably likely to materially affect, the Corporation's internal control over financial reporting as of December 31, 2024.
+Added: There have been no changes in the Corporation's internal control over financial reporting during the Corporation's fiscal year ended December 31, 2025, that have materially affected, or are reasonably likely to materially affect, the Corporation's internal control over financial reporting as of December 31, 2025.
Other Information
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§ 229.408)) during the fiscal quarter ended December 31, 2025.
−Removed: On October 28, 2024 , Angela M.
−Removed: Snyder , President of the Corporation , adopted a Rule 10b5-1 trading arrangement for the sale of up to 13,322 shares of the Corporation's common stock.
−Removed: The trading arrangement will expire on January 26, 2026 , unless terminated sooner in accordance with its terms.
+Added: On December 12, 2025 , Curtis J.
+Added: Myers, Chairman of the Board, Chief Executive Officer and President of the Corporation , adopted a Rule 10b5-1 trading arrangement for the sale of up to 30,748 shares of the Corporation's common stock.
+Added: The trading arrangement will expire on November 4, 2026 , unless terminated sooner in accordance with its terms.
Disclosure Regarding Foreign Jurisdictions that Prevent Inspections
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2.1 Purchase and Assumption Agreement – Whole Bank, All Deposits, effective as of April 26, 2024, with the Federal Deposit Insurance Corporation, as receiver of Republic First Bank, the Federal Deposit Insurance Corporation, and Fulton Bank, National Association (Incorporated by reference to Exhibit 2.1 of the Fulton Financial Corporation Current Report on Form 8-K filed on May 2, 2024).
+Added: 2.2 Agreement and Plan of Merger, dated as of November 24, 2025, by and between Fulton Financial Corporation and Blue Foundry Bancorp (Incorporated by reference to Exhibit 2.1 of the Fulton Financial Corporation Current Report on Form 8-K filed on November 25, 2025).
3.1 Articles of Incorporation, as amended and restated, of Fulton Financial Corporation as amended (Incorporated by reference to Exhibit 3.1 of the Fulton Financial Corporation Current Report Form 8-K filed June 24, 2011).
3 unchanged sentences
4.2 First Supplemental Indenture entered into on November 17, 2014 between Fulton Financial Corporation and Wilmington Trust, National Association as trustee, relating to the issuance by Fulton Financial Corporation of $250 million aggregate principal amount of 4.50% subordinated notes due November 15, 2024 (Incorporated by reference to Exhibit 4.2 of the Fulton Financial Corporation Current Report on Form 8-K filed November 17, 2014).
−Removed: 4.3 Form of 4.50% Subordinated Notes due 2024 (Included in Exhibit 4.2).
4.3 Second Supplemental Indenture entered into March 3, 2020, between Fulton Financial Corporation and Wilmington Trust, National Association, as trustee, relating to the issuance by Fulton Financial Corporation of $200 million aggregate principal amount of 3.25% subordinated notes due March 15, 2030 (Incorporated by reference to Exhibit 4.2 of the Fulton Financial Corporation Current Report on Form 8-K filed March 3, 2020).
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Myers, dated January 1, 2023 (Incorporated by reference to exhibit 10.2 of the Fulton Financial Corporation Current Report on Form 8-K filed December 22, 2022).
−Removed: 10.7 Form of Option Award and Form of Restricted Stock Award between Fulton Financial Corporation and Officers of the Corporation (Incorporated by reference to Exhibits 10.1 and 10.2, respectively, of the Fulton Financial Corporation Current Report on Form 8-K filed June 19, 2013).
−Removed: 10.8 Form of Time-Vested Restricted Stock Unit Award Agreement, Form of Performance Restricted Stock Unit Award Agreement Total Shareholder Return ("TSR") Component and Form of Performance Restricted Stock Unit Award Agreement Profit Trigger Component (Incorporated by reference to Exhibits 10.1, 10.2 and 10.3 respectively, of the Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023).
10.7 Form of Time-Vested Restricted Stock Unit Award Agreement and Form of Performance Restricted Stock Unit Award Agreement Total Shareholder Return ("TSR") Component (Incorporated by reference to Exhibits 10.2 and 10.3, respectively, of the Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2024).
+Added: 10.8 Form of Time-Vested Restricted Stock Unit Award Agreement, Form of Performance Restricted Stock Unit Award Agreement Total Shareholder Return ("TSR") Component and Form of Performance Restricted Stock Unit Award Agreement Profit Trigger Component (Incorporated by reference to Exhibits 10.1, 10.2 and 10.3 respectively, of the Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023).
+Added: 10.9 Form of Time-Vested Restricted Stock Unit Award Agreement and Form of Performance Restricted Stock Unit Award Agreement Total Share holder Return ( "TSR") Component ( I ncorporated by reference to Exhibits 10.
+Added: 1 and 10.2, respectively, of the Fulton Financial Corporation Quarterly Report on Form 10-Q filed for the quarterly period ended March 31, 2025) .*
10.10 Amended and Restated Fulton Financial Corporation Employee Stock Purchase Plan (Incorporated by reference to Exhibit A to Fulton Financial Corporation's definitive proxy statement, filed March 26, 2014).
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10.17 Fifth Amendment, effective January 1, 2022, to the Fulton Financial Corporation Deferred Compensation Plan (Incorporated by reference to Exhibit 10.1 of the Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2021).
−Removed: 10.18 Form of Performance Share Restricted Stock Unit Award Agreement between Fulton Financial Corporation and Certain Employees of the Corporation as of May 1, 2021 (Incorporated by reference to Exhibit 10.1 of the Fulton Financial Corporation Current Report on Form 8-K filed May 3, 2021).
−Removed: 10.19 Form of Non-Employee Director Stock Unit Award Agreement (Incorporated by reference to Exhibit 10.1 of the Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2023).
−Removed: 10.20 Form of Non-Employee Director Stock Unit Award Agreement (Incorporated by reference to Exhibit 10.1 of the Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2024).
−Removed: 10.21 Consulting Agreement between Beth Ann L.
−Removed: Chivinski and Fulton Financial Corporation dated November 1, 2024 - Filed herewith.
+Added: 10.18 Form of Non-Employee Director Stock Unit Award Agreement (Incorporated by reference to Exhibit 10.3 of the Fulton Financial Corporation Quarterly Report on Form 10-Q filed for the quarterly period ended June 30, 2025) .*
10.19 Fulton Financial Corporation Amended and Restated 2023 Director Equity Plan (Incorporated by reference to Exhibit 10.1 of Fulton Financial Corporation's Current Report on Form 8-K filed May 16, 2023).
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10.22 Agreement for Purchase and Sale of Real Property dated May 10, 2024 (Incorporated by reference to Exhibit 10.1 of the Fulton Financial Corporation Current Report on Form 8-K filed on May 15, 2024).
−Removed: 10.26 Separation Agreement and General Release (Incorporated by reference to Exhibit 10.1 of the Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2024).
−Removed: 19 Fulton Financial Corporation Insider Trading Policy - Filed herewith.
+Added: 10.27 Consulting Agreement between Angela M.
+Added: Snyder and Fulton Financial Corporation dated December 15, 2025 – filed herewith .
+Added: 19 Fulton Financial Corporation Insider Trading Policy (Incorporated by reference to Exhibit 19 of the Fulton Financial Corporation Annual Report on Form 10-K for the period ended December 31, 202 4 ) .
21 Subsidiaries of the Registrant.
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32.2 Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
−Removed: 97 Fulton Financial Corporation Mandatory Recovery of Compensation Policy.
−Removed: (Incorporated by reference to Exhibit 97 of the Fulton Financial Corporation Annual Report 10-K for the year ended December 31, 2023.)
+Added: 97 Fulton Financial Corporation Mandatory Recovery of Compensation Policy (Incorporated by reference to Exhibit 97 of the Fulton Financial Corporation Annual Report 10-K for the year ended December 31, 2023 ) .
101 Interactive data files pursuant to Rule 405 of Regulation S-T (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Income, (iii) Consolidated Statements of Comprehensive Income, (iv) Consolidated Statements of Shareholders' Equity, (v) Consolidated Statements of Cash Flows, and (vi) Notes to Consolidated Financial Statements.
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/ S / CURTIS J.
−Removed: Myers, Chairman and Chief Executive Officer
+Added: Myers, Chairman, Chief Executive Officer and President
Pursuant to the requirements of the Securities Exchange Act of 1934, this Report has been executed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.
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DEVINE * Director February 27, 2026
−Removed: /S/ STEVEN S.
−Removed: ETTER * Director February 28, 2025
/S/ RICHARD S.
−Removed: KRAEMER Senior Executive Vice President February 28, 2025
−Removed: Kraemer and Chief Financial Officer
−Removed: (Principal Financial Officer)
+Added: KRAEMER Senior Executive Vice President and Chief Financial Officer (Principal Financial Officer) February 27, 2026
MARTIN * Director February 27, 2026
1 unchanged sentence
/S/ CURTIS J.
−Removed: MYERS Chairman and Chief Executive Officer (Principal Executive Officer) February 28, 2025
+Added: MYERS Chairman, Chief Executive Officer and President (Principal Executive Officer) February 27, 2026
Signature Capacity Date
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Antoinette M.
+Added: /S/ MICHAEL F.
+Added: SHIRK * Director February 27, 2026
SNYDER * Director February 27, 2026
7 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.