A Message From CEO, Curtis J. Myers

Fulton Bank continues to be driven by our purpose: to change lives for the better. Our 3,300 team members are focused on providing the best experience for our customers and strengthening the communities we serve.

Through their efforts, we performed well in 2022. It is because of that solid performance that we were able to advance our environmental, social and governance (ESG) efforts. In short, at Fulton Bank, we perform well so that we can do good. We’ve outlined our work in this second Corporate Social Responsibility (CSR) report.

Our Performance

Thanks to our customer-focused team, 2022 saw record-setting financial performance and strong growth. We reported record operating earnings of $1.76 per share and $1.67 per share on a GAAP basis. We also delivered record revenues. Additionally, in July, we acquired Philadelphia-based Prudential Bancorp, Inc., expanding our presence in the region with seven additional financial centers.

Our Environmental Impact

As responsible stewards, we strive to reduce the environmental impact of our activities. In 2022, we developed the Climate Impact Working Group, which is made up of senior leaders, to further understand the climate-related impact and the opportunities to make a difference in our business.

We continue to drive environmental sustainability by using alternative energy sources, increasing energy efficiency and reducing our physical footprint. We also continue to improve on our waste management programs.

Our Social Contributions

This report highlights our commitment to the people and communities we serve. The Fulton Forward^® program serves as the foundation for our efforts and is focused on four pillars: affordable housing and home ownership, job training and workforce development, financial education and economic empowerment, and diversity, equity and inclusion. You’ll find that the theme of diversity, equity and inclusion is woven throughout this report, as it’s part of our culture and our Fulton Forward^® pillars.

Through a concerted effort to give back to our local communities, we volunteered more than 13,500 hours and provided $6.6 million in charitable contributions. Additionally, we recently announced that in 2023, we’ll surpass $1 billion in loans to low- and moderate-income homebuyers under a closing cost assistance program that began in 2016.

You will see that our company is growing and making an impact by doing what matters most: helping people become first-time homeowners, educating customers about money, empowering community members to make good financial decisions, and making financial services available for people and small businesses in underbanked and underserved communities.

Our Governance Efforts

We do what’s right — it’s part of our value system. Governance starts at the top, but it is lived every day by every team member through adherence to our values and Code of Conduct. We have strong governance systems in place and a diverse and engaged Board overseeing our activities. The Board has defined Committees to ensure adequate oversight of specific areas of importance to our business. We have a prudent, long-term risk management culture.

Our 2022 Report

This year’s enhancements to our CSR report include more highlights of how Fulton aligns with the Sustainability Accounting Standards Board (SASB) standards and provides information about our progress compared to the United Nations Sustainable Development Goals (SDGs).

Thank you for your interest in how Fulton Bank continues to change lives for the better.

GRATEFULLY,

Curtis J. Myers

CHAIRMAN, PRESIDENT AND CEO