JENNINGS & FULTON LTD

"Employer") and its subsidiaries. Eligible employees who have completed 30 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. 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 : Participants may elect to contribute 1 % to 75 % 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). Participants can elect salary deferral through payroll deduction on a pre-tax

ant’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 in their profit sharing accounts 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 as a lump sum. Participants may elect to have their payment of benefits paid to their individual retirement acco

ant rollovers 8,749,639 2,926,989 Total contributions 46,257,715 40,906,945 Total additions 122,628,123 120,193,404 Deductions: Benefits paid to participants 51,710,737 56,052,889 Administrative expenses 213,084 231,385 Total deductions 51,923,821 56,284,274 Net increase in net assets available for plan benefits 70,704,302 63,909,130 Net assets available for benefits: Beginning of year 569,078,655 505,169,525 End of year $ 639,782,957 $ 569,078,655 See accompanying notes to financial statements. 4 FULTON FINANCIAL CORPORATION 401(k) RETIREMENT PLAN NOTES TO FINANCIAL STATEMENTS December 31, 2025 and 2024 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