Fulton Financial insider Kraemer adds RSUs and disposes 5,034 shares

Rhea-AI Filing Summary

Richard S. Kraemer, Senior Executive Vice President & Chief Financial Officer of Fulton Financial Corporation (FULT), reported transactions dated 09/03/2025. The filing shows 13,524.6147 restricted stock units were recorded as acquired (Code M) at $0.00 and 5,034 shares were disposed (Code F) at $19.45, leaving 8,490.6147 shares held directly after the reported trades. The derivative table indicates 13,524.6147 restricted stock units underlying common stock were added and total beneficial ownership following the transactions is reported as 40,838.5038 shares. The form notes the original grant on 09/03/2024 of 39,042 restricted stock units that vest in three equal annual installments beginning 09/03/2025, with accumulated dividend equivalents. The form is signed by an attorney in fact on 09/05/2025.

Positive

• 13,524.6147 restricted stock units recorded as acquired at $0.00, reflecting the equity grant tied to prior compensation
• Total beneficial ownership after the transactions is explicitly reported as 40,838.5038 shares

Negative

• A disposition of 5,034 shares at $19.45 reduced direct holdings to 8,490.6147

Insights

Corporate Governance Expert

TL;DR: Insider received a substantial RSU grant and completed a flagged sale, modestly changing direct holdings.

The filing documents an equity compensation event and a contemporaneous sale. The 13,524.6147 restricted stock units added (reported at $0.00) reflect compensation tied to the 2024 grant that vests beginning 09/03/2025. The reported disposal of 5,034 shares at $19.45 reduced direct holdings to 8,490.6147. For governance review, these are routine executive equity-plan movements; the filing properly discloses both acquisition and sale and shows total beneficial ownership of 40,838.5038 shares after the transactions.

Securities Analyst

TL;DR: The transaction mixes vested/vesting compensation and a partial disposition, yielding little immediate governance disruption.

From a securities perspective, 13,524.6147 RSUs (contingent rights to one share each) were recorded as acquired and 5,034 shares were sold at $19.45. The filing quantifies resultant beneficial ownership at 40,838.5038 shares. These entries are consistent with scheduled vesting from the 09/03/2024 grant and a routine disposition; the disclosure includes the necessary dates and prices for market transparency.

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

OMB APPROVAL

OMB Number:			3235-0287
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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^*

Kraemer Richard S

(Last) (First) (Middle)

C/O FULTON FINANCIAL CORPORATION

P.O. BOX 4887, ONE PENN SQUARE

(Street)

LANCASTER PA 17602

(City) (State) (Zip)

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)
	SEVP & CFO

3. Date of Earliest Transaction (Month/Day/Year)
09/03/2025

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

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

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

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)
			Code	V	Amount	(A) or (D)	Price
$2.50 par value Common Stock	09/03/2025		M		13,524.6147	A	$0.00	13,524.6147	D
$2.50 par value Common Stock	09/03/2025		F		5,034	D	$19.45	8,490.6147	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	09/03/2025		M			13,524.6147	(2)	(2)	$2.50 par value Common Stock	13,524.6147	$0.00	40,838.5038	D

Explanation of Responses:

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

2. On September 3, 2024, the reporting person was granted 39,042 restricted stock units, vesting in three equal annual installments beginning on September 3, 2025, the first anniversary of the grant date, together with accumulated dividend equivalents.

Remarks:

	Steven R. Horst, as attorney in fact for Kraemer, Richard	09/05/2025
	** 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.
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FAQ

What did FULT insider Richard S. Kraemer report on Form 4?

The Form 4 reports an acquisition of 13,524.6147 restricted stock units and a sale of 5,034 shares, with a post-transaction beneficial ownership of 40,838.5038 shares.

When were the transactions reported for FULT insider Kraemer?

The transactions are dated 09/03/2025, and the Form 4 was signed by attorney in fact on 09/05/2025.

What price was used for the disposed FULT shares?

The filing shows the 5,034 disposed shares were sold at $19.45 per share.

What is the origin and vesting schedule of the restricted stock units?

The Form explains a grant on 09/03/2024 of 39,042 restricted stock units vesting in three equal annual installments beginning 09/03/2025, with accumulated dividend equivalents.

How many restricted stock units underlie the derivative holdings after the transaction?

The derivative table reports 13,524.6147 restricted stock units added and shows 13,524.6147 underlying common shares for those units.