Fulton Financial Corporation · NASDAQ:FULT

Fulton Financial — Merger or Acquisition (November 2025)

13 slides from Fulton Financial's merger presentation, Nov 24, 2025

  1. Slide 1: Acquisition of Blue Foundry Bancorp

    FULTON FINANCIAL CORPORATION Acquisition of Blue Foundry Bancorp (Nasdaq: BLFY) November 24, 2025

  2. Slide 2: the “Securities Act”) • • • • • • • •

    © 2025 Fulton Financial Corporation. All rights reserved. the “Securities Act”) • • • • • • • • 2

  3. Slide 3: © 2025 Fulton Financial Corporation. All rights reserved. 3

    © 2025 Fulton Financial Corporation. All rights reserved. 3

  4. Slide 4: Transaction highlights

    © 2025 Fulton Financial Corporation. All rights reserved. ✓ ✓ ✓ Excellent risk-adjusted return potential ✓ ✓ 30 bps; no TBV earn back period ✓ Pro forma CET1 at close of 11.7% 4 4

  5. Slide 5: • • • A B C

    © 2025 Fulton Financial Corporation. All rights reserved. • • • A B C 5

  6. Slide 6: 6.5 6.4 5.2 2.9 1.8 1.4

    © 2025 Fulton Financial Corporation. All rights reserved. 6.5 6.4 5.2 2.9 1.8 1.4 6

  7. Slide 7: Fulton is Well-Positioned to Play Offense in the Large, Attractive Blue Foundry Markets

    © 2025 Fulton Financial Corporation. All rights reserved. Fulton is Well-Positioned to Play Offense in the Large, Attractive Blue Foundry Markets ✓ ✓ ✓ ✓ ✓ 7

  8. Slide 8: • • • • • − − • − − • − − −

    © 2025 Fulton Financial Corporation. All rights reserved. • • • • • − − • − − • − − − • • • • • • • • • • • 8

  9. Slide 9: © 2025 Fulton Financial Corporation. All rights reserved. 9

    © 2025 Fulton Financial Corporation. All rights reserved. 9

  10. Slide 10: • • • • •

    © 2025 Fulton Financial Corporation. All rights reserved. • • • • • 10

  11. Slide 11: © 2025 Fulton Financial Corporation. All rights reserved. 11

    © 2025 Fulton Financial Corporation. All rights reserved. 11

  12. Slide 12: © 2025 Fulton Financial Corporation. All rights reserved. 12

    © 2025 Fulton Financial Corporation. All rights reserved. 12

  13. Slide 13: Non-GAAP Reconciliation

    © 2025 Fulton Financial Corporation. All rights reserved. Non-GAAP Reconciliation (dollars in thousands) Fulton Financial Corporation Three months ended (1) Operating return on average common shareholder' equity (tangible) September 30, 2025 Net income available to common sharholders $ 97,892 Less:

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