[Form 4] FULTON FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Kevin C. Gremer, Senior Executive Vice President, Chief Operations & Technology Officer of Fulton Financial Corporation (ticker FULT), was granted 7,716 restricted stock units (RSUs) on 09/02/2025 under the Fulton Financial Corporation 2022 Amended and Restated Equity and Cash Incentive Compensation Plan. Each RSU represents a contingent right to one share of Fulton common stock (par value $2.50). The RSUs are reported as direct ownership and will be delivered as shares with accumulated dividend equivalents as they vest.

The RSUs vest in three equal installments: one-third on each anniversary of the grant date. The reported price for the derivative security is shown as $0.00 and the filing was signed by an attorney-in-fact on 09/18/2025.

Positive

• 7,716 RSUs granted to a senior executive, indicating retention and alignment with shareholder value
• Clear vesting schedule: one-third of RSUs vest on each anniversary, providing predictable long-term incentives
• Direct ownership reported, with vested shares and accumulated dividend equivalents to be delivered

Negative

• None.

Insights

Financial Analyst

TL;DR: A routine equity grant of 7,716 RSUs to a senior executive with multi-year vesting; neutral near-term market impact.

The award reflects standard long-term incentive compensation: 7,716 RSUs convertible to one share each, vesting one-third annually, aligning executive pay with shareholder returns. The direct ownership and delivery of vested shares plus dividend equivalents are customary. The reported $0.00 price indicates these are compensatory units rather than a purchased option. There is no disclosure here of extraordinary size relative to outstanding shares or immediate share disposition.

Corporate Governance Expert

TL;DR: Compensation grant follows typical equity incentive plan terms and vesting schedule; governance implications are routine.

The grant under the company’s 2022 equity plan with one-third annual vesting is a common retention mechanism. Delivery of vested shares with dividend equivalents suggests the company uses RSUs to align pay-for-performance. The Form 4 discloses direct beneficial ownership post-grant. Absent additional context (e.g., grant size relative to peer pay or board rationale), this appears to be a standard disclosure rather than a governance concern.

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

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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).

1. Name and Address of Reporting Person^*

Gremer Kevin C

(Last) (First) (Middle)

C/O FULTON FINANCIAL CORPORATOIN

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 Chief Operations & Tech

3. Date of Earliest Transaction (Month/Day/Year)
09/02/2025

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

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)	(2)(3)	09/02/2025		A		7,716		(3)	(3)	$2.50 par value common stock	7,716	$0.00	7,716	D

Explanation of Responses:

1. Restricted stock units granted September 2, 2025 under the Fulton Financial Corporation 2022 Amended and Restate Equity and Cash Incentive Compensation Plan.

2. Each restricted stock unit represents a contingent right to receive one share of Fulton Financial Corporation $2.50 par value common stock.

3. One-third of the restricted stock units will vest on each anniversary of the grant date. Vested shares, together with accumulated dividend equivalents, will be delivered to the reporting person on each anniversary of the grant date.

Remarks:

	Mark A. Crowe, Attorney-in-Fact	09/18/2025
	** 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.
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.

FAQ

What did Kevin C. Gremer receive according to the Form 4?

The filing reports a grant of 7,716 restricted stock units (RSUs) on 09/02/2025 under the company’s 2022 equity plan.

When do the RSUs vest for Kevin C. Gremer?

The RSUs vest in three equal installments: one-third on each anniversary of the grant date.

How many shares will the RSUs convert into and what is the par value?

Each RSU represents the contingent right to one share of Fulton common stock, which has a par value of $2.50.

Was the ownership reported as direct or indirect on the Form 4?

The Form 4 reports the post-grant ownership as direct (D) and lists 7,716 shares underlying the RSUs.

Who signed the Form 4 and when was it signed?

The Form 4 was signed by Mark A. Crowe, Attorney-in-Fact on 09/18/2025.