FULTON FINANCIAL CORPORATION Privacy Notice for California Residents

Updated March 15, 2024

This Privacy Notice for California Residents supplements the information contained in Fulton Financial Corporation’s Privacy Notice and applies solely to residents of the State of California including those who we interact with us in the context of our business relationships ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act (“CCPA”) as may be amended from time to time and in accordance with any regulations promulgated thereunder. Any terms defined in the CCPA have the same meaning when used in this Notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information"). Personal information does not include:

• Publicly available information from government records.
• Deidentified or aggregated consumer information 
• Some personal information that we collect may be subject to exemptions under various laws that may impact your CCPA rights, such as:

• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver's Privacy Protection Act of 1994.

In particular, we collect and have collected the following categories of personal information from consumers within the last twelve (12) months:

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from you. For example, from documents you provide or through products and services you purchase.
• Indirectly from you. For example, from observing your usage of and actions and submissions on our website, operating systems, and platforms.
• From third parties that interact with us in connection with the services we perform. For example, from credit bureaus or other companies.

Purpose for Collecting and Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following purposes:

• To fulfill the request for which you provided us information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a financial product or service, we will use that information to process your payment and facilitate delivery of our product or service to you. We may also save your information to facilitate new requests or process refunds.
• To provide, support, personalize, and develop our website, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third party sites, and emails or text messages. Emails and text messages are sent only with your consent where such consent is required by law.
• To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to debug, repair errors, develop and improve our website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court orders, or governmental regulations.
• To comply with our legal obligations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our website users/consumers is among the assets transferred.
• To audit a current interaction with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Disclosure of Personal Information to Categories of Third Parties

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
We may disclose your personal information to the following categories of third parties:

• Our affiliates.
• Service providers.
• Government or regulatory authorities.

We only use or disclose sensitive personal information for purposes permitted under applicable law and such use or disclosure is reasonably necessary and proportionate for those purposes.

Disclosures of Personal Information for a Business Purpose

In the preceding twelve (12) months, we may have disclosed the following categories of personal information (as described above) for a business purpose:

• Identifiers.
• California Customer Records personal information categories.
• Protected classification characteristics under California or federal law.
• Commercial information.
• Internet or other similar network activity.
• Geolocation data.
• Sensory data.
• Professional or Employment-related information.
• Inferences drawn from other personal information.
• Sensitive personal information.

We disclosed your personal information for a business purpose to the following categories of third parties:

• Service providers.

Sharing of Personal Information

In the preceding twelve (12) months, we have not shared any personal information. We have no knowledge of any share of personal information of consumers under the age of sixteen years.

Sales of Personal Information 

In the preceding twelve (12) months, we have not sold any personal information. We have no knowledge of any sale of personal information of consumers under the age of sixteen years.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Copy of Personal Information

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months and to request a copy of the specific pieces of personal information that we have collected about you in the prior 12 months (collectively, referred to as your ‘access’ right). We will present this information to you in a readily usable format that can be transmitted (also known as data portability). Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The categories of personal information we disclosed or shared with a third party for a business purpose.
• The specific pieces of personal information we collected about you.
• The categories of third parties to whom the residents’ personal information has been sold and the specific categories of personal information sold to each category of third party (if applicable).

You may request that we disclose the required information beyond the 12-month period, and we shall be required to provide that information unless doing so proves impossible or would involve a disproportionate effort.

Deletion Request Rights 

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if an exception applies, such as regulatory or legal obligations or as required for servicing the account.

Correction Request Rights

You have the right to request that we correct any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will correct (and direct our service providers to correct) your personal information in our records, unless an exception applies. We may also provide you with the ability to correct your own personal information in certain contexts.

We may deny your correction request if an exception applies, such as regulatory or legal obligations or as required for servicing the account.

Do-Not-Sell Rights

California residents also have the right to opt-out of the sale of their personal information by us. As noted above, we do not sell personal information about California residents.

Do Not Share Rights

California residents also have the right to opt-out of the sharing of their personal information by us. As noted above, we do not share personal information about California residents.

Limit the Use and Disclosure of Sensitive Personal Information

You have the right to request that we limit our use and disclosure of sensitive personal information that is collected or processed with the purpose of inferring characteristics about a consumer.

We have not used or disclosed sensitive personal information for purposes other than those specified by applicable law.

Exercising Your Rights

To exercise any of your CCPA rights described above, please submit a verifiable consumer request to us by either:

• Calling us at 717.291.2799 or 1.800.432.9887
• Emailing us at privacy@fult.com
• Visiting https://www.fultonbank.com/Contact-Us

Only you, or someone legally authorized to act on your behalf (an “authorized agent”), may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may be able to use an opt-out preference signal based on the settings of your browser or device, and we will process such signals in accordance with our technical capabilities and applicable law.

Request Verification

You may only make a verifiable consumer request twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative. We may request to verify your identity by asking for a piece of government identification and your account number before responding to your request.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing.

We will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

Non-Discrimination

We will not discriminate or retaliate against you for exercising any of your CCPA rights.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and the updated notice will go into effect on this date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Retention of Your Personal Information

We retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Notice, unless a longer retention period is required or permitted by law. Please note that in many situations we must retain all, or a portion, of your Personal Information to comply with our legal obligations, resolve disputes, enforce our agreements, to protect against fraudulent, deceptive, or illegal activity, or for another one of our business purposes.

Contact Information

If you have any questions or comments about this notice, our Privacy Policy, the ways in which we collect and use your personal information, your choices, and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

• Phone: 717.291.2799 or 1.800.432.9887
• Email: privacy@fultonbank.com
• Website: https://www.fultonbank.com/Contact-Us