Table of Contents

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 11-K

(Mark One)

(X) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the fiscal year end December 31, 2015

OR

( ) TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934 (NO FEE REQUIRED)

For the transition period from              to             

COMMISSION FILE NUMBER 0-10587

Fulton Financial Corporation

401(k) Retirement Plan

(Full title of the Plan)

FULTON FINANCIAL CORPORATION

One Penn Square

Lancaster, PA 17602

(Name of issuer of the securities held pursuant to the plan

and the address of its principal executive office)

 

 


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

FINANCIAL STATEMENTS

December 31, 2015 and 2014


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

Lancaster, Pennsylvania

FINANCIAL STATEMENTS

December 31, 2015 and 2014

CONTENTS

 

 

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

     1   

FINANCIAL STATEMENTS

  

STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS

     2   

STATEMENTS OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS

     3   

NOTES TO FINANCIAL STATEMENTS

     4   

SUPPLEMENTAL SCHEDULE

  

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)

     10   


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

 

LOGO

            KPMG LLP

            1601 Market Street

            Philadelphia, PA 19103-2499

Report of Independent Registered Public Accounting Firm

Fulton Financial Corporation Retirement Plans Administrative Committee

Fulton Financial Corporation 401(k) Retirement Plan

We have audited the accompanying statements of net assets available for benefits of the Fulton Financial Corporation 401(k) Retirement Plan (the Plan) as of December 31, 2015 and 2014, and the related statements of changes in net assets available for benefits for the years ended December 31, 2015 and 2014. These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provides a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2015 and 2014, and the changes in net assets available for benefits for the years ended December 31, 2015 and 2014, in conformity with U.S. generally accepted accounting principles.

The supplemental information in the accompanying schedule, Schedule H, line 4i – Schedule of Assets (held at end of year) as of December 31, 2015 have been subjected to audit procedures performed in conjunction with the audit of the Plan’s 2015 financial statements. The supplemental information is presented for the purpose of additional analysis and is not a required part of the financial statements but include supplemental information required by the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. The supplemental information is the responsibility of the Plan’s management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information in the accompanying schedule, we evaluated whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information in the accompanying schedule is fairly stated in all material respects in relation to the 2015 financial statements as a whole.

 

LOGO

Philadelphia, Pennsylvania

June 24, 2016


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS

December 31, 2015 and 2014

 

 

 

     2015                  2014            

ASSETS

     

Cash

   $ 890,190       $ 377,404   

Investments at fair value (Note 4)

     297,714,553         306,249,329   

Receivables

     

Notes receivable from participants

     0         860   

Accrued income

     272,761         444,791   

Employer contribution

     0         2,196,130   
  

 

 

    

 

 

 

Total receivables

     272,761         2,641,781   

Total assets

     298,877,504         309,268,514   
LIABILITIES      

Security transaction payable

     870,064         329,417   
  

 

 

    

 

 

 

Net assets available for benefits

   $ 298,007,440       $ 308,939,097   
  

 

 

    

 

 

 

 

 

See accompanying notes to financial statements.

 

2.


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FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

STATEMENTS OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS

Years ended December 31, 2015 and 2014

 

 

 

 

     2015                 2014            

Additions to net assets attributed to:

    

Investment income

    

Net (depreciation)/appreciation in fair value of investments (Note 4)

   $ (11,821,939   $ 566,868   

Interest and dividends

     14,422,138        17,380,230   

Other income

     37,935        150,841   
  

 

 

   

 

 

 
     2,638,134        18,097,939   

Contributions

    

Employer Contributions

     6,842,813        8,792,684   

Participant Contributions

     10,866,376        10,300,448   

Participant Rollovers

     781,383        862,399   
  

 

 

   

 

 

 
     18,490,572        19,955,531   

Total additions

     21,128,706        38,053,470   

Deductions from net assets attributed to:

    

Benefits paid to participants

     31,944,361        28,489,796   

Administrative expenses

     116,002        201,117   
  

 

 

   

 

 

 
     32,060,363        28,690,913   
  

 

 

   

 

 

 

Net (decrease)/increase

     (10,931,657     9,362,557   

Net assets available for benefits

    

Beginning of year

     308,939,097        299,576,540   
  

 

 

   

 

 

 

End of year

   $ 298,007,440      $ 308,939,097   
  

 

 

   

 

 

 

 

 

 

See accompanying notes to financial statements.

 

3.


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FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

NOTES TO FINANCIAL STATEMENTS

December 31, 2015 and 2014

 

 

NOTE 1 - DESCRIPTION OF PLAN

 

The following description of the Fulton Financial Corporation 401(k) Retirement Plan (the “Plan”) provides only general information. Participants should refer to the Plan agreement for a more complete description of the Plan’s provisions.

General : The Plan’s eligibility requirements include substantially all employees of Fulton Financial Corporation (the “Company” or the “Employer”) and its subsidiaries. Eligible employees who have completed 90 days of service and who have attained age 21 may make employee contributions to the Plan. To receive an employer matching contribution, an employee must complete a year of service and attain age 21. The Plan provides for retirement, death, and disability benefits. The Plan is subject to the applicable provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”).

Contributions : The employer profit sharing contribution is discretionary and is allocated uniformly on the basis of compensation. To be eligible for an employer profit sharing contribution, an employee had (1) to be hired prior to July 1, 2007 and be eligible to participate in this Plan under the eligibility requirements in effect on that date or (2) to be an active participant in the Fulton Financial Affiliates Defined Benefit Pension Plan as of December 31, 2007. For the year ending December 31, 2015 no profit sharing contribution was made to eligible participants. For 2014, this amount was 2.5% of eligible compensation.

Eligible employees may elect to contribute 1% to 50% of eligible compensation not to exceed the maximum allowed by law. Any participant who has attained age 50 by the end of the Plan year may make catch-up contributions in accordance with Code Section 414(v).

The employer shall make a matching contribution equal to 100% of the first 5% of compensation deferred. Participants direct the investment of their participant and employer contributions into various investment options offered by the Plan.

Participant Accounts : Each participant’s account is credited with the participant’s contribution, an allocation of the Company contribution, and Plan earnings/(losses) and charged with his or her withdrawals. Allocations are based on participant earnings or account balances, as defined in the Plan. The benefit to which a participant is entitled is the vested benefit that can be provided from the participant’s account.

Retirement, Death and Disability : A participant is entitled to 100% of his or her account balance upon retirement, death or disability.

Vesting : Participants are immediately vested in their voluntary, employer matching, and rollover contributions plus actual earnings thereon. Vesting in the profit sharing account is based on years of service. Participants become 100% vested after completion of five years of credited service.

Payment of Benefits : Upon termination of service, death, disability or retirement, a participant may elect to receive an amount equal to the value of the participant’s vested interest in his or her account. Benefit payments are distributed as either a lump sum or in installment payments over a period. The period over which benefits are paid is not to exceed either the life expectancy of the participant or the joint life expectancies of the participant and the participant’s beneficiary.

 

 

(Continued)

4.


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FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

NOTES TO FINANCIAL STATEMENTS

December 31, 2015 and 2014

 

 

NOTE 1 - DESCRIPTION OF PLAN (Continued)

 

Forfeitures : Forfeitures represent the nonvested portion of the participant’s account plus earnings thereon that are not fully distributable to participants who terminate employment. Forfeitures are used to reduce the employer contributions to the Plan. Forfeitures used to reduce the employer contributions for the plan years ended December 31, 2015 and 2014 were $0 and $13,833, respectively. The forfeitures available as of December 31, 2015 and 2014 were $17,508 and $15,184, respectively.

Expenses : Fees incurred in the administration of the Plan are paid by the Plan or the Company. Fees paid by the Plan for investment management services are included as reduction of the return earned by each fund. Any rebates on investment fees received by the trustee on behalf of the Plan are deposited into the Plan and are reflected as fees rebated by the applicable fund. Any proceeds received as a result of litigation with respect to plan investments are used to reduce fees.

Loans : Participant loans are not permitted. The outstanding loan balance in 2014 was with respect to an outstanding loan from an affiliate bank that was grandfathered into the Plan. This loan was repaid in 2015.

NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Accounting Method : The Plan’s financial statements are prepared on the accrual basis of accounting in conformity with U.S. generally accepted accounting principles.

Use of Estimates : The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires the plan administrator to make estimates and assumptions that affect certain reported amounts and disclosures, and actual results may differ from these estimates.

Risk and Uncertainties : The Plan provides for various investment options including any combination of certain mutual funds, common stock of the Company, or collective trust funds. The underlying investment securities are exposed to various risks, such as interest rate, market, liquidity, and credit risks. Due to the level of risk associated with certain investment securities and the level of uncertainty related to changes in the value of investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect the amounts reported in the statement of net assets available for benefits and participants’ individual account balances.

Investment Valuation and Income Recognition : The Plan’s investments are reported at fair value. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date.

Fair value is the price that would be received by the Plan for an asset or paid by the Plan to transfer a liability (an exit price) in an orderly transaction between market participants on the measurement date in the Plan’s principal or most advantageous market for the asset or liability. Fair value measurements are determined by maximizing the use of observable inputs and minimizing the use of unobservable inputs. The hierarchy places the highest priority on unadjusted quoted market prices in active markets for identical assets or liabilities (level 1 measurements) and gives the lowest priority to unobservable inputs (level 3 measurements). The three levels of inputs within the fair value hierarchy are defined as follows:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Plan has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

 

 

(Continued)

5.


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

NOTES TO FINANCIAL STATEMENTS

December 31, 2015 and 2014

 

 

NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Level 3: Significant unobservable inputs that reflect the Plan’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

In some cases, a valuation technique used to measure fair value may include inputs from multiple levels of the fair value hierarchy. The lowest level of significant input determines the placement of the entire fair value measurement in the hierarchy.

The fair values of mutual fund investments and publicly traded common stocks are determined by obtaining quoted prices on nationally recognized securities exchanges (level 1 inputs).

Investments measured at fair value on a recurring basis are summarized below:

 

     Fair Value Measurements
                at December 31, 2015 Using                 
    

Quoted Prices in

Active Markets

for Identical Assets

(Level 1)

Investments:

    

Mutual Funds

    

Equity Mutual Funds

     $ 180,489,682  

Fixed Income Mutual Funds

       50,328,797  

Blended Mutual Funds

       45,181,460  

Common Stock

    

Fulton Financial Corporation common stock

       21,714,614  

Total

     $ 297,714,553  

There are no Level 2 or Level 3 investments as of December 31, 2015.

 

     Fair Value Measurements
                at December 31, 2014 Using                 
    

Quoted Prices in

Active Markets

for Identical Assets

(Level 1)

Investments:

    

Mutual Funds

    

Equity Mutual Funds

     $ 186,452,154  

Fixed Income Mutual Funds

       53,580,128  

Blended Mutual Funds

       42,543,024  

Common Stock

    

Fulton Financial Corporation common stock

       23,674,023  

Total

     $ 306,249,329  

There are no Level 2 or Level 3 investments as of December 31, 2014.

 

 

(Continued)

6.


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

NOTES TO FINANCIAL STATEMENTS

December 31, 2015 and 2014

 

 

NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Concentration of Credit Risk : At both December 31, 2015 and 2014, approximately 7.3% and 7.7% of the Plan’s assets were invested in Fulton Financial Corporation common stock, respectively.

Notes Receivable from Participants : Notes receivable from participants are reported at their unpaid principal balance plus any accrued but unpaid interest, with no allowance for credit losses, as repayments of principal and interest are received through payroll deductions and the notes are collateralized by the participants’ account balances.

Payment of Benefits : Benefits are recorded when paid.

Recently Issued Accounting Standards : In July 2015, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2015-12, (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient (ASU 2015-12). ASU 2015-12 allows plans to measure fully benefit-responsive investment contracts at contract value and also eliminates the disaggregation of investments by nature, risks, and characteristics; the disclosure of individual investments that represent five percent or more of net assets available for benefits, and the disclosure of net appreciation or depreciation for investments by general type. The amendments are effective for fiscal years beginning after December 15, 2015. Thus, the new standard is effective for the Plan for its year ending December 31, 2016. The Plan is evaluating the effect of the standard, if any, on its financial statements.

NOTE 3 - RIGHTS UPON PLAN TERMINATION

Although it has not expressed any intent to do so, the Company has the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the provisions of ERISA. In the event of plan termination, participants would become 100% vested in their accounts.

NOTE 4 – INVESTMENTS

The following presents investments that represent five percent or more of the Plan’s net assets available for benefits (at fair value).

 

     December 31, 2015
     Units or Shares    Fair Value

Fulton Financial Corporation Common Stock

       1,669,071            $   21,714,614  

Goldman Sachs Growth Opportunity Fund

       900,459              21,151,789  

Loomis Sayles Small Cap Value Fund

       556,497              16,661,526  

Vanguard 500 Index Fund

       174,414              32,549,189  

Goldman Sachs Financial Square Government Fund

       19,524,684              19,524,684  

MFS Value Fund

       744,977              24,554,448  

MFS Research International Fund

       929,328              15,045,828  

Federated Total Return Bond Fund

       2,471,494              26,321,413  

T Rowe Price Growth Stock Fund

       671,485              36,031,893  

T Rowe Price Retirement 2020

       794,728              15,648,190  

 

 

 

7.


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

NOTES TO FINANCIAL STATEMENTS

December 31, 2015 and 2014

 

 

NOTE 4 - INVESTMENTS (Continued)

 

 

     December 31, 2014  
     Units or Shares      Fair Value  

Fulton Financial Corporation Common Stock

     1,915,374           $ 23,674,023   

Goldman Sachs Growth Opportunity Fund

     860,925             23,890,666   

Loomis Sayles Small Cap Value Fund

     543,699             18,741,309   

Vanguard 500 Index Fund

     179,377             33,843,071   

Goldman Sachs Financial Square Government Fund

     21,324,547             21,324,547   

MFS Value Fund

     748,217             26,269,895   

MFS Research International Fund

     936,433             15,722,718   

Federated Total Return Bond Fund

     2,630,133             29,036,673   

T Rowe Price Growth Stock Fund

     682,178             35,439,150   

During 2015 and 2014, the Plan’s investments (including gains and losses on investments bought and sold, as well as held during the year) (depreciated)/appreciated in value by $(11,821,939) and $566,868 respectively, as follows:

 

     2015     2014  

Mutual Funds

   $ (13,868,903     $2,030,221   

Fulton Financial Corporation Common Stock

     2,046,964        (1,463,353
  

 

 

   

 

 

 
   $ (11,821,939   $ 566,868   
  

 

 

   

 

 

 

NOTE 5 - PARTIES-IN-INTEREST

Parties-in-interest are defined under Department of Labor Regulations as any fiduciary of the Plan, any party rendering service to the Plan, the employer, and certain others. Certain professional fees for the administration of the Plan were paid by the Company. Fees paid by the Plan to Conrad Siegel for administrative services totaled $4,685 and $4,650 for 2015 and 2014, respectively. Fees paid to Fulton Financial Advisors related to benefits paid to participants and recordkeeping services totaled $55,367 and $75,764 for 2015 and 2014 respectively. Fees paid to Groom Law Group related to legal fees totaled $9,095 and $68,963 for 2015 and 2014 respectively. Fees paid to Crowe Horwath, LLC for auditing services totaled $0 and $3,530 for 2015 and 2014, respectively. Fees paid to KPMG for auditing services totaled $33,306 and $37,077 for 2015 and 2014, respectively.

At December 31, 2015 and 2014, the Plan had investments of $21,714,614 and $23,674,023 respectively, in Fulton Financial Corporation common stock. Approximately $670,806 and $659,584 of cash dividends were paid to the Plan by Fulton Financial Corporation during 2015 and 2014, respectively. Notes receivable from participants also reflect party-in-interest transactions.

 

 

 

8.


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

NOTES TO FINANCIAL STATEMENTS

December 31, 2015 and 2014

 

 

NOTE 6 - TAX STATUS

 

The Internal Revenue Service (IRS) has determined and informed the Company by a letter dated March 22, 2016, that the Plan and related trust are designed in accordance with applicable requirements of the Internal Revenue Code (IRC).

Accounting principles generally accepted in the United States of America require plan management to evaluate tax positions taken by the plan and recognize a tax liability (or asset) if the plan has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. The plan administrator has analyzed the tax positions taken by the plan, and has concluded that as of December 31, 2015, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The plan administrator believes it is no longer subject to income tax examinations for years prior to 2014.

NOTE 7 – SUBSEQUENT EVENTS

The Plan has evaluated subsequent events through June 16, 2016, the date the financial statements were available to be issued.

 

 

 

9.


Table of Contents

 

SUPPLEMENTARY INFORMATION


Table of Contents

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

SCHEDULE H, LINE 4i – SCHEDULE OF ASSETS (HELD AT END OF YEAR)

December 31, 2015

 

 

 

Name of Plan Sponsor:    Fulton Financial Corporation   
EIN:    23-2195389   
Plan number:    001   

 

  

(b)

                               (c)      

(a)

  

Identity of Issue,

Borrower, Lessor,

  or Similar Party  

  

Description of Investment Including

    Maturity Date, Rate of Interest

    Collateral, Par or Maturity Value    

   (d)
Cost
  

(e)

Current

    Value

 
      Mutual Funds      
   Vanguard    Vanguard 500 Index Fund    Ö      $  32,549,189   
   Vanguard    Vanguard Small Cap Value Index Fund    Ö      7,192,448   
   Vanguard    Vanguard Mid Cap Index Fund    Ö      8,043,035   
   Vanguard    Vanguard Star Fund    Ö      4,940,176   
   Goldman Sachs & Co.   

Goldman Sachs Financial Square
Government Fund

   Ö      19,524,684   
   Goldman Sachs & Co.    Goldman Sachs Mid Cap Value Fund    Ö      6,482,715   
   Vanguard    Vanguard Short Term Bond Index Fund    Ö      3,006,399   
   Loomis Sayles    Loomis Sayles Small Cap Value Fund    Ö      16,661,526   
  

MFS Investment Management

   MFS Research International Fund    Ö      15,045,828   
  

MFS Investment Management

   MFS Value Fund    Ö      24,554,448   
   Goldman Sachs & Co.    Goldman Sachs Financial Square         17,506   
          Treasury Institutional Fund    Ö   
  

Federated
Investors, Inc.

   Federated Total Return Bond Fund    Ö      26,321,413   
   T Rowe Price    T Rowe Price Growth Stock Fund    Ö      36,031,893   
   T Rowe Price    T Rowe Price Retirement 2010 Fund    Ö      2,850,950   
   T Rowe Price    T Rowe Price Retirement 2020 Fund    Ö      15,648,190   
   T Rowe Price    T Rowe Price Retirement 2030 Fund    Ö      14,471,317   
   T Rowe Price    T Rowe Price Retirement 2040 Fund    Ö      8,936,604   
   T Rowe Price    T Rowe Price Retirement 2050 Fund    Ö      3,274,399   
   Vanguard    Vanguard Small Cap Growth Index    Ö      4,741,402   
   Fidelity Investments    Fidelity Adv Div Institutional Fund    Ö      1,686,185   
   Goldman Sachs & Co.    Goldman Sachs Growth Opportunity Fund    Ö      21,151,789   
   Vanguard    Vanguard Small-Cap Index Fund    Ö      497,188   
   Vanguard    Vanguard Windsor II Fund-Adm    Ö      911,860   
   Goldman Sachs & Co.    Goldman Sachs Core Fixed Income Fund I    Ö      1,011,767   
   PIMCO    PIMCO Real Return Fund A    Ö      447,028   
      Common Stock      
*   

Fulton Financial Corporation

   Common Stock    Ö      21,714,614   
      Total         $297,714,553   

 

 

 

* Party-in-interest

Ö All investments are participant directed, therefore, historical cost information is not required.

10.


Table of Contents

Pursuant to the requirements of the Securities Exchange Act of 1934, the administrators of the Fulton Financial Corporation 401(k) Retirement Plan have duly caused this annual report to be signed on its behalf by the undersigned thereunto duly authorized.

 

   

FULTON FINANCIAL CORPORATION

401(k) RETIREMENT PLAN

Date: June 24, 2016     By:   /s/ Jeffrey R. Hooton
     

Jeffrey R. Hooton

Senior Vice President/ Compensation/

      Benefits & HR Systems Manager


Table of Contents

EXHIBIT INDEX

EXHIBIT DESCRIPTION

23.1 Consent of Independent Auditors

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