<SEC-DOCUMENT>0001206774-19-001776.txt : 20190523
<SEC-HEADER>0001206774-19-001776.hdr.sgml : 20190523
<ACCEPTANCE-DATETIME>20190523171149
ACCESSION NUMBER:		0001206774-19-001776
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190523
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190523
DATE AS OF CHANGE:		20190523

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FULTON FINANCIAL CORP
		CENTRAL INDEX KEY:			0000700564
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				232195389
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-10587
		FILM NUMBER:		19851062

	BUSINESS ADDRESS:	
		STREET 1:		ONE PENN SQ
		STREET 2:		PO BOX 4887
		CITY:			LANCASTER
		STATE:			PA
		ZIP:			17604
		BUSINESS PHONE:		7172912411

	MAIL ADDRESS:	
		STREET 1:		ONE PENN SQ
		STREET 2:		PO BOX 4887
		CITY:			LANCASTER
		STATE:			PA
		ZIP:			17604
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<TYPE>8-K
<SEQUENCE>1
<FILENAME>fult3596001-8k.htm
<DESCRIPTION>CURRENT REPORT
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<P style="TEXT-ALIGN: center"><B><FONT size=5 face="Times New Roman">UNITED STATES<BR></FONT></B><B><FONT size=5 face="Times New Roman">SECURITIES AND EXCHANGE COMMISSION<BR></FONT></B><B><FONT size=3 face="Times New Roman">Washington, D.C. 20549</FONT></B></P>

<P style="TEXT-ALIGN: center"><FONT size=1 face="Times New Roman">______________________________</FONT></P>

<P style="TEXT-ALIGN: center"><B><FONT size=5 face="Times New Roman">FORM 8-K<BR></FONT></B><FONT size=1 face="Times New Roman">______________________________</FONT></P>

<P style="TEXT-ALIGN: center"><B><FONT size=3 face="Times New Roman">CURRENT REPORT<BR>Pursuant to Section 13 or 15(d)<BR>of The Securities Exchange Act of 1934</FONT></B></P>

<P style="TEXT-ALIGN: center"><STRONG><FONT size=3 face="Times New Roman">Date of Report (Date of earliest event reported): May 23, 2019<BR></FONT><U><FONT size=1 face="Times New Roman">______________________________</FONT></U></STRONG></P>

<P style="TEXT-ALIGN: center"><B><FONT size=5 face="Times New Roman">Fulton Financial Corporation</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">(Exact name of registrant as specified in its charter)</FONT></B></P>

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   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">Pennsylvania</FONT></B></TD>

   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">0-10587</FONT></B></TD>

   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">23-2195389</FONT></B></TD></TR>

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   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">(State or other jurisdiction</FONT></B></TD>

   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">(Commission</FONT></B></TD>

   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">(I.R.S. Employer</FONT></B></TD></TR>

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   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">of incorporation)</FONT></B></TD>

   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">File Number)</FONT></B></TD>

   <TD width="33%" noWrap align=center><B><FONT size=2 face="Times New Roman">Identification No.)</FONT></B></TD></TR></TABLE>
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   <TD width="50%" noWrap align=center><B><FONT size=2 face="Times New Roman">One Penn Square</FONT></B></TD>

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   <TD width="50%" noWrap align=center><B><FONT size=2 face="Times New Roman">Lancaster, Pennsylvania</FONT></B></TD>

   <TD width="50%" noWrap align=center><B><FONT size=2 face="Times New Roman">17604</FONT></B></TD></TR>

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   <TD width="50%" noWrap align=center><B><FONT size=2 face="Times New Roman">(Address of principal executive offices)</FONT></B></TD>

   <TD width="50%" noWrap align=center><B><FONT size=2 face="Times New Roman">(Zip Code)</FONT></B></TD></TR></TABLE>



<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">Registrant&#8217;s telephone number, including area code: 717-291-2411</FONT></B></P>

<P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">[ ] Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">[ ] Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></P>

<P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">[ ] Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </FONT></P>

<P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Securities registered pursuant to Section 12(b) of the Act:</FONT></P>

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   <TD STYLE="width: 32%; white-space: nowrap; text-align: center; border-top: Black 1pt solid; border-left: Black 1pt solid"><FONT size=2 face="Times New Roman">Title of each class</FONT></TD>

   <TD STYLE="width: 24%; white-space: nowrap; text-align: center; border-top: Black 1pt solid; border-left: Black 1pt solid"><FONT size=2 face="Times New Roman">Trading Symbol(s)</FONT></TD>

   <TD STYLE="width: 43%; white-space: nowrap; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT size=2 face="Times New Roman">Name of each exchange on which registered</FONT></TD></TR>

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   <TD STYLE="width: 32%; white-space: nowrap; text-align: center; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT size=2 face="Times New Roman">Common Stock, par value $2.50</FONT></TD>

   <TD STYLE="width: 24%; white-space: nowrap; text-align: center; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT size=2 face="Times New Roman">FULT</FONT></TD>

   <TD STYLE="width: 43%; white-space: nowrap; text-align: center; border: Black 1pt solid"><FONT size=2 face="Times New Roman">Nasdaq</FONT></TD></TR></TABLE>


<P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &#167;230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR &#167;240.12b-2).</FONT></P>

<P style="TEXT-ALIGN: right"><FONT size=2 face="Times New Roman">Emerging growth company [ ]</FONT></P>

<P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]</FONT></P>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Item 8.01 - Other Events.</FONT></B></P>

<P STYLE="text-align: left; text-indent: 15pt"><FONT size=2 face="Times New Roman">Fulton Financial Corporation (&#8220;Fulton&#8221;) today announced that the Board of Governors of the Federal Reserve System had terminated the Cease and Desist Order Issued Upon Consent (the &#8220;Consent Order&#8221;) issued to Fulton and its banking subsidiary, Lafayette Ambassador Bank, on September 4, 2014. The Consent Order related to identified deficiencies in the Bank Secrecy Act and anti-money laundering (&#8220;BSA/AML&#8221;) compliance program at Fulton and Lafayette Ambassador Bank. The Consent Order was the last to be terminated of a series of similar consent orders issued to Fulton and its banking subsidiaries related to Fulton&#8217;s BSA/AML compliance program.</FONT></P>

<P STYLE="text-align: left; text-indent: 15pt"><FONT size=2 face="Times New Roman">The press release issued by Fulton containing the announcement is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</FONT></P>

<P style="TEXT-ALIGN: left"><B><U><FONT size=2 face="Times New Roman">Forward-Looking Statements</FONT></U></B></P>

<P STYLE="text-align: left; text-indent: 15pt"><FONT size=2 face="Times New Roman">This Current Report on Form 8-K, including the Exhibits hereto, may contain forward-looking statements with respect to Fulton&#8217;s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as &#8220;may,&#8221; &#8220;should,&#8221; &#8220;will,&#8221; &#8220;could,&#8221; &#8220;estimates,&#8221; &#8220;predicts,&#8221; &#8220;potential,&#8221; &#8220;continue,&#8221; &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;plans,&#8221; &#8220;expects,&#8221; &#8220;future,&#8221; &#8220;intends,&#8221; &#8220;projects,&#8221; the negative of these terms and other comparable terminology. These forward looking statements may include projections of, or guidance on, Fulton&#8217;s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in Fulton&#8217;s business or financial results.</FONT></P>

<P STYLE="text-align: left; text-indent: 15pt"><FONT size=2 face="Times New Roman">Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of Fulton&#8217;s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of Fulton&#8217;s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. Fulton undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.</FONT></P>

<P STYLE="text-align: left; text-indent: 15pt"><FONT size=2 face="Times New Roman">A discussion of certain risks and uncertainties affecting Fulton, and some of the factors that could cause Fulton&#8217;s actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled &#8220;Risk Factors&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; in Fulton&#8217;s Annual Report on Form 10-K for the year ended December 31, 2018 and Quarterly Report on Form 10-Q for the quarter ended March 31, 2019, which have been filed with the Securities and Exchange Commission and are available in the Investor Relations section of Fulton&#8217;s website (www.fult.com) and on the Securities and Exchange Commission&#8217;s website (www.sec.gov).</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Item 9.01 Financial Statements And Exhibits.</FONT></B></P>

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   <TD width="1%" noWrap align=left><U><FONT size=2 face="Times New Roman">Exhibit No.</FONT></U></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;<U><FONT size=2 face="Times New Roman"></FONT></U></TD>

   <TD width="98%" noWrap align=left><U><FONT size=2 face="Times New Roman">Description</FONT></U></TD></TR>

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   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><A HREF="fult3596001-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face="Times New Roman">99.1</FONT></A></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="98%" noWrap align=left><A HREF="fult3596001-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face="Times New Roman">Press Release dated May 23, 2019.</FONT></A></TD></TR></TABLE>

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<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">SIGNATURE</FONT></B></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman"></FONT></B>&nbsp;</P>

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   <TD width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman"></FONT></B></TD>



   <TD colspan=2 width="49%" noWrap align=left><B><FONT size=2 face="Times New Roman">FULTON FINANCIAL CORPORATION</FONT></B></TD></TR>

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   <TD width="51%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

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   <TD width="48%" noWrap align=left>&nbsp;<B><FONT size=2 face="Times New Roman"></FONT></B></TD></TR>

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   <TD width="51%" noWrap align=left><FONT size=2 face="Times New Roman">Date: </FONT><U><FONT size=2 face="Times New Roman">May 23, 2019</FONT></U></TD>

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   <TD width="48%" noWrap align=left></TD></TR>

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   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">By:&nbsp;&nbsp;</FONT></TD>

   <TD width="48%" noWrap align=left><U><FONT size=2 face="Times New Roman">/s/ Daniel R. Stolzer</FONT></U></TD></TR>

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   <TD width="1%" noWrap align=left></TD>

   <TD width="48%" noWrap align=left><FONT size=2 face="Times New Roman">Daniel R. Stolzer</FONT></TD></TR>

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   <TD width="48%" noWrap align=left><FONT size=2 face="Times New Roman">Senior Executive Vice President and</FONT></TD></TR>

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   <TD width="48%" noWrap align=left><FONT size=2 face="Times New Roman">Chief Legal Officer</FONT></TD></TR></TABLE>

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<FILENAME>fult3596001-ex991.htm
<DESCRIPTION>PRESS RELEASE DATED MAY 23, 2019
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<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>Exhibit 99.1</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><U><FONT size=5 face=Arial>FULTON FINANCIAL<BR></FONT></U></B><FONT size=5 face=Arial>CORPORATION</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>FOR IMMEDIATE RELEASE<BR></FONT></B><FONT size=2 face=Arial>Media Contact: Laura Wakeley (717) 291-2616<BR>Investor Contact: Jason Weber (717) 327-2394</FONT></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>Fulton Financial Announces Termination of Consent Order for the Corporation and Its Subsidiary,<BR>Lafayette Ambassador Bank</FONT></B></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>(May 23, 2019) - LANCASTER, Pa. - Fulton Financial Corporation (NASDAQ: FULT) today announced that the Board of Governors of the Federal Reserve System has terminated the Consent Order which that agency issued on September 4, 2014 to Fulton Financial Corporation and its bank subsidiary, Lafayette Ambassador Bank.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>This order was originally issued for deficiencies in the company&#8217;s Bank Secrecy Act and Anti-Money Laundering (BSA/AML) compliance program. Today&#8217;s announcement follows the company&#8217;s statements, released October 30, 2017, August 9, 2018, and January 15, 2019, that various regulatory agencies had terminated similar orders at five of the Corporation&#8217;s other banking subsidiaries.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>"This completes the journey we have been on to strengthen our BSA/AML compliance programs,&#8221; said E. Philip Wenger, Fulton Financial&#8217;s Chairman and CEO. &#8220;I want to convey my thanks to our entire team of employees who worked diligently to build the company&#8217;s enhanced and sustainable BSA/AML program. With the lifting of this order, the company will be able to move forward with plans to merge the two remaining subsidiary banks into its flagship bank, Fulton Bank, N.A. this fall.&#8221;</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Fulton Financial Corporation, a $21 billion Lancaster, Pa.-based financial holding company, has approximately 3,600 team members and operates more than 225 branches in Pennsylvania, Maryland, Delaware, New Jersey and Virginia through three subsidiary banks.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Additional information on Fulton Financial Corporation can be found at </FONT><U><FONT size=2 face=Arial>www.fult.com</FONT></U><FONT size=2 face=Arial>.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>This press release may contain forward-looking statements with respect to Fulton Financial Corporation&#8217;s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as "may," "should," "will," "could," "estimates," "predicts," "potential," "continue," "anticipates," "believes," "plans," "expects," "future," "intends," "projects," the negative of these terms and other comparable terminology. These forward looking statements may include projections of, or guidance on, the Corporation&#8217;s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation&#8217;s business or financial results.</FONT></P>

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<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of the Corporation&#8217;s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation&#8217;s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. The Corporation undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation&#8217;s Annual Report on Form 10-K for the year ended December 31, 2018 and Quarterly Report on Form 10-Q for the quarter ended March 31, 2019, which have been filed with the Securities and Exchange Commission and are available in the Investor Relations section of the Corporation's website (www.fult.com) and on the Securities and Exchange Commission's website (www.sec.gov).</FONT></P>

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