SEC FORM 4

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Luddington Natasha R.

(Last)

(First)

(Middle)

C/O FULTON FINANCIAL CORPORATION

P.O. BOX 4887, ONE PENN SQUARE

(Street)

LANCASTER

PENNSYLVANIA

17602

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
FULTON FINANCIAL CORP [ FULT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Sr.EVP & Chief Legal Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
$2.50 par value Common Stock	05/01/2026		M		30,005.1292	A	$0.00	49,114.1292	D
$2.50 par value Common Stock	05/01/2026		F		13,233.1292⁽¹⁾	D	$21.62	35,881	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Performance Stock Units	⁽²⁾	05/01/2026		M			30,005.1292	⁽³⁾	⁽³⁾	$2.50 par value Common Stock	30,005.1292	$0.00	0.00	D
Restricted Stock Units	⁽⁴⁾⁽⁵⁾	05/01/2026		A		5,524		⁽⁶⁾	⁽⁶⁾	$2.50 par value Common Stock	5,524	$0.00	22,108.2805	D

Explanation of Responses:

1. Represents shares withheld to cover the reporting person's tax liability.

2. Each performance-based restricted stock unit represents a contingent right to receive one share of Fulton Financial Corporation's common stock.

3. Reflects the earning and vesting of certain performance-based restricted stock units ("PSUs"), including accrued dividend equivalents, as of May 1, 2026. The PSUs were granted on May 1, 2023. The PSUs were earned and vested based upon Fulton Financial Corporation's level of achievement of total shareholder return, relative to a defined peer group, and net income goals during the applicable performance periods, as specified at the time of grant.

4. Each restricted stock unit represents a contingent right to receive one share of Fulton Financial Corporation common stock.

5. Restricted stock unit award granted May 1, 2026, under the Fulton Financial Corporation 2022 Amended and Restated Equity and Cash Incentive Compensation Plan.

6. The restricted stock units cliff-vest three years from the grant date. Vested shares, together with accumulated dividend equivalents will be delivered to the reporting person three years from the grant date.

Remarks:

	Steven R. Horst, as attorney in Fact for Luddington, Natasha R.	05/05/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)