Sec Form 4 Filing - Luddington Natasha R. @ FULTON FINANCIAL CORP - 2025-05-14

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

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, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL OMB Number: 3235-0287 Expires: November 30, 2011 Estimated average burden hours per response... 0.5

1. Name and Address of Reporting Person Luddington Natasha R. 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 (Last) (First) (Middle) C/O FULTON FINANCIAL CORPORATION, P.O. BOX 4887, ONE PENN SQUARE 3. Date of Earliest Transaction (MM/DD/YY) 05/14/2025 (Street) LANCASTER, PA17602 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 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 05/14/2025 M 85.0242 ( 1 ) A $ 0 19,150.0242 D $2.50 par value Common Stock 05/14/2025 F( 2 ) 41.0242 D $ 20.76 ( 3 ) 19,109 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 (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 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 (MM/DD/YY) 7. Title and Amount of Underlying Securities (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 of Derivative Security: 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 ( 4 ) 05/14/2025 M 85.0242 ( 5 ) ( 5 ) ( 5 ) $2.50 par value Common Stock 85.0242 $ 0 15,972.2329 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other Luddington Natasha R. C/O FULTON FINANCIAL CORPORATION P.O. BOX 4887, ONE PENN SQUARE LANCASTER, PA17602 Sr.EVP & Chief Legal Officer Signatures Mark A. Crowe, Attorney-in-Fact 05/16/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Represents dividend equivalent units (the "DEUs") credited to the restricted stock units granted January 3, 2022 (the "RSUs") with respect to the common stock dividend declared on December 17, 2024 and payable on January 15, 2025 to shareholders of record as of December 31, 2024 (the "January 2025 Dividend"). The RSUs were unvested as of the record date for the January 2025 Dividend and vested on January 3, 2025. Due to inadvertent error, delivery of shares of common stock with respect to the January 2025 Dividend to the reporting person did not occur until May 14, 2025. ( 2 )Represents shares withheld to cover the reporting person's tax liability. ( 3 )Price reflects the closing price of Fulton Financial Corporation common stock on January 15, 2025, the payment date for the January 2025 Dividend. ( 4 )Represents the DEUs credited on the RSUs with respect to the January 2025 Dividend. Each restricted stock unit represents the contingent right to receive one share of Fulton Financial Corporation common stock. ( 5 )Represents the DEUs credited on the RSUs with respect to the January 2025 Dividend. The RSUs were unvested as of the record date for the January 2025 Dividend and vested on January 3, 2025. Due to inadvertent error, delivery of shares of common stock with respect to the January 2025 Dividend to the reporting person did not occur until May 14, 2025. The restricted stock units were credited with additional dividend equivalent units with respect to the common stock dividend declared on March 18, 2025 and payable on April 15, 2025 to shareholders of record as of April 1, 2025 that were cancelled and the reporting person received a cash payment with respect to that dividend.

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.