Fulton Financial Corporation · NASDAQ:FULT

Fulton Financial — Shareholder Meeting (May 2026)

30 slides from Fulton Financial's shareholder meeting presentation, May 28, 2026

Slide 2: Reminder
Reminder If you have not yet voted your shares, please do so now by visiting the Judge of Election table at the back of the room. © 2026 Fulton Financial Corporation. All rights reserved. 2
Slide 3: Forward-Looking Statements
Forward-Looking Statements This presentation may contain forward-looking statements with respect to Fulton Financial Corporation's (the "Corporation" or "Fulton") financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can
Slide 4: Rules of Conduct for Today's Meeting
Rules of Conduct for Today’s Meeting ▪ Large bags, cameras, cell phones, recording devices and other electronic devices are not permitted at, or to be used during, the meeting. ▪ The display of placards and/or signs is prohibited. ▪ Questions from shareholders should be directed to the Chairman of t
Slide 6: Annual Meeting Agenda
Annual Meeting Agenda ▪ Business Meeting Proposals: • ELECTION OF DIRECTORS. The election of 10 director nominees to serve for a one-year term; • ADVISORY VOTE ON EXECUTIVE COMPENSATION. A non-binding advisory proposal to approve the compensation of Fulton’s named executive officers; • RATIFICATION
Slide 7: Board of Director Nominees
Board of Director Nominees Curtis J. Myers Jennifer Craighead Carey Lisa Crutchfield Denise L. Devine James R. Moxley III Antoinette M. Pergolin Michael F. Shirk Scott A. Snyder Ronald H. Spair E. Philip Wenger © 2026 Fulton Financial Corporation. All rights reserved. 7
Slide 8: Business Meeting Proposals
Business Meeting Proposals ▪ ELECTION OF DIRECTORS • The election of 10 director nominees to serve for a one-year term. ▪ ADVISORY VOTE ON EXECUTIVE COMPENSATION • A non-binding advisory proposal to approve the compensation of Fulton’s named executive officers. ▪ RATIFICATION OF INDEPENDENT AUDITOR
Slide 9: Senior Executive Officers
Senior Executive Officers Curtis J. Myers Andy B. Fiol John J. Glover Kevin C. Gremer Richard S. Kraemer Natasha R. Luddington Chairman, CEO Chief Banking Officer Head of Commercial Chief Operations and Chief Financial Officer Chief Legal Officer and President Banking Technology Officer and Corporat
Slide 16: Forward-Looking Statements
Forward-Looking Statements This presentation may contain forward-looking statements with respect to Fulton Financial Corporation's (the "Corporation" or "Fulton") financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can
Slide 18: Fulton Financial Corporation
Fulton Financial Corporation ▪ $34 billion in assets ▪ 200+ financial centers in Pennsylvania, New Jersey, Maryland, Delaware and Virginia ▪ More than 3,500 team members Note: Includes the April 1, 2026 acquisition of Blue Foundry Bancorp © 2026 Fulton Financial Corporation. All rights reserved. 18
Slide 19: 2025 Financial Performance
2025 Financial Performance ▪ $1.3 Billion in Revenue ▪ $381.4 Million in Net Income Available to Common Shareholders ▪ 1.23% Return on Average Assets ▪ 12.09% Return on Average Common Shareholders’ Equity © 2026 Fulton Financial Corporation. All rights reserved. 19
Slide 20: 1st Quarter 2026 Financial Results
1st Quarter 2026 Financial Results ▪ $331.9 Million in Revenue ▪ $92.2 Million in Net Income Available to Common Shareholders ▪ 1.20% Return on Average Assets ▪ 11.16% Return on Average Common Shareholders’ Equity © 2026 Fulton Financial Corporation. All rights reserved. 20
Slide 21: Smart Growth Strategy
Smart Growth Strategy ▪ Organic Growth, building and expanding customer relationships ▪ Enhanced Growth Strategies, including new products and expanded teams ▪ Acquisitions, opportunistically adding targeted portfolios or other banks © 2026 Fulton Financial Corporation. All rights reserved. 21
Slide 22: Blue Foundry Bancorp Acquisition
Blue Foundry Bancorp Acquisition ▪ Acquisition closed April 1, 2026 ▪ Blue Foundry Bank includes 20 financial centers in northern New Jersey ▪ Expected to merge into Fulton Bank in summer 2026 © 2026 Fulton Financial Corporation. All rights reserved. 22
Slide 24: Net Income and Dividends Per Share Three-Year Trend
Net Income and Dividends Per Share Three-Year Trend Earnings Per Share (Diluted) Dividends Per Share 12.6%* Compound 6.8% Compound Annual Growth Rate Annual Growth Rate * GAAP Basis ** Non-GAAP financial measure. Refer to the calculation titled “Reconciliation of Non-GAAP Measures” in the Appendix ©
Slide 25: Three-Year Stock Performance
Three-Year Stock Performance Key Insights: Fulton Financial outperformed the regional bank index by ~27 percentage points over the past three-year period Demonstrates persistent, sustained strong relative performance Stock Price Performance 5/25/2023 – 5/22/2026 Fulton Financial Corporation ~89% KBW

Fulton Financial — Shareholder Meeting (May 2026) on 6ix

Fulton Financial — Shareholder Meeting (May 2026)

Slide 1: Annual Meeting

Slide 2: Reminder

Slide 3: Forward-Looking Statements

Slide 4: Rules of Conduct for Today's Meeting

Slide 5: Curt Myers

Slide 6: Annual Meeting Agenda

Slide 7: Board of Director Nominees

Slide 8: Business Meeting Proposals

Slide 9: Senior Executive Officers

Slide 10: Thank You! Angela Snyder

Slide 11: Thank You! Bernadette Taylor

Slide 12: Thank You! George K. Martin

Slide 13: Report of the Judge of Election

Slide 14: Curt Myers

Slide 15: Meeting Adjourned

Slide 16: Forward-Looking Statements

Slide 17: A Community Bank Strategy, Operating on a Regional Scale

Slide 18: Fulton Financial Corporation

Slide 19: 2025 Financial Performance

Slide 20: 1st Quarter 2026 Financial Results

Slide 21: Smart Growth Strategy

Slide 22: Blue Foundry Bancorp Acquisition

Slide 23: 2026 Priorities

Slide 24: Net Income and Dividends Per Share Three-Year Trend

Slide 25: Three-Year Stock Performance

Slide 26: Thank you for your investment in Fulton Financial Corporation

Slide 27: Questions & Answers

Slide 28: Thank you for attending our Annual Meeting

Slide 29: Appendix

Slide 30: Reconciliation of Non-GAAP Measures