<SEC-DOCUMENT>0001552781-26-000291.txt : 20260501
<SEC-HEADER>0001552781-26-000291.hdr.sgml : 20260501
<ACCEPTANCE-DATETIME>20260501074238
ACCESSION NUMBER:		0001552781-26-000291
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20260501
DATE AS OF CHANGE:		20260501

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FULTON FINANCIAL CORP
		CENTRAL INDEX KEY:			0000700564
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				232195389
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-289488
		FILM NUMBER:		26928920

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B3
<SEQUENCE>1
<FILENAME>e26227_fult-424b3.htm
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: right">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: right"><FONT STYLE="font-size: 10pt">Filed
Pursuant to Rule&nbsp;424(b)(5)<BR>
Registration No.&nbsp;333-289488</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: justify; color: red"><FONT STYLE="font-size: 10pt">The
information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement
and the accompanying prospectus are not an offer to sell these securities and they are not soliciting an offer to buy these securities
in any jurisdiction where the offer or sale is not permitted.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: center; color: red"><FONT STYLE="font-size: 10pt">Subject
to Completion, dated May&nbsp;1, 2026.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0"><FONT STYLE="font-size: 10pt">PRELIMINARY PROSPECTUS
SUPPLEMENT<BR>
(To Prospectus dated August 11, 2025)</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: center"><FONT STYLE="font-size: 16pt">$</FONT><FONT STYLE="font-size: 10pt">&#9;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0; text-align: center; color: Red"><IMG SRC="fult_logo.jpg" ALT="" STYLE="height: 93px; width: 400px"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 14pt">%
Fixed-to-Floating Rate Subordinated Notes due 2036</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">We are offering
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; aggregate principal amount of &nbsp;&nbsp;&nbsp;&nbsp;% fixed-to-floating rate subordinated notes due 2036 (the &ldquo;<B>Notes</B>&rdquo;)
pursuant to this prospectus supplement and the accompanying prospectus. The Notes will be offered in minimum denominations of
$1,000 and integral multiples of $1,000 in excess thereof. The Notes will mature on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2036 (the &ldquo;<B>Maturity Date</B>&rdquo;).
From and including the date of original issuance to, but excluding, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, or the date of earlier redemption (the &ldquo;<B>fixed
rate period</B>&rdquo;), the Notes will bear interest at an initial rate of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;% per annum, payable semi-annually in arrears
on&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  and&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  of each year, commencing on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026. The last interest payment date for the fixed rate period will be &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2031. From and including &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, to, but excluding, the Maturity Date or the date of earlier redemption (the &ldquo;<B>floating
rate period</B>&rdquo;), the Notes will bear interest at a floating rate per annum equal to the Benchmark rate based on Three-Month
Term SOFR, each as defined and subject to the provisions described under &ldquo;Description of the Notes&nbsp;- General&rdquo;
in this prospectus supplement, plus&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  basis points, payable quarterly in arrears on &nbsp;&nbsp;&nbsp;&nbsp;, &nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  and&nbsp;&nbsp;&nbsp;&nbsp;  of each year,
commencing on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031. Notwithstanding the foregoing, if the Benchmark rate is less than zero, the Benchmark rate will be deemed
to be zero.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">We may,
at our option, beginning with the interest payment date of &nbsp;&nbsp;&nbsp;&nbsp;, 2031, and on any date thereafter, redeem the Notes, in whole
or in part. In addition, we may, at our option, redeem the Notes at any time prior to maturity, including prior to &nbsp;&nbsp;&nbsp;&nbsp;, 2031,
in whole but not in part, upon or after the occurrence of a &ldquo;Tier 2 Capital Event&rdquo; or a &ldquo;Tax Event&rdquo; (each
as defined under &ldquo;Description of the Notes&rdquo; in this prospectus supplement) or our being required to register as an
investment company under the Investment Company Act of 1940 (the &ldquo;<B>1940 Act</B>&rdquo;). The Notes will not otherwise
be redeemable by us prior to maturity, unless certain events occur, as described under &ldquo;Description of the Notes&nbsp;-
Redemption&rdquo; in this prospectus supplement. The redemption price for any redemption is 100% of the principal amount of the
Notes being redeemed, plus accrued and unpaid interest thereon to, but excluding, the date of redemption. Any redemption of the
Notes will be subject to the receipt of the approval of the Board of Governors of the Federal Reserve System (the &ldquo;<B>Federal
Reserve</B>&rdquo;) to the extent then required under applicable laws or regulations, including capital regulations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">The Notes
will be unsecured subordinated obligations, will rank <I>pari passu</I>, or equally, with all of our existing and future unsecured
subordinated debt, will be senior to all of our existing and future junior subordinated debt and will be junior to all of our
existing and future senior debt. The Notes will be structurally subordinated to all existing and future liabilities of our subsidiaries
and will be effectively subordinated to our existing and future secured indebtedness, to the extent of the value of the collateral
securing such indebtedness. There will be no sinking fund for the Notes. The Notes will be obligations of Fulton Financial Corporation
(&ldquo;<B>Fulton Financial</B>&rdquo; or the &ldquo;<B>Company</B>&rdquo;) only and will not be obligations of, and will not
be guaranteed by, any of Fulton Financial&rsquo;s subsidiaries. For a more detailed description of the Notes, see &ldquo;Description
of the Notes.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">Prior to
this offering, there has been no public market for the Notes. The Notes will not be listed on any securities exchange or included
in any automated quotation system.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">The Notes
are not deposits and are not insured by the Federal Deposit Insurance Corporation (the &ldquo;<B>FDIC</B>&rdquo;) or any other
governmental agency. The Notes are ineligible as collateral for a loan or extension of credit from Fulton Financial or any of
its subsidiaries. None of the U.S. Securities and Exchange Commission (the &ldquo;<B>SEC</B>&rdquo;), the FDIC, the Federal Reserve
or any other bank regulatory agency or any state securities commission has approved or disapproved of the Notes or passed upon
the adequacy or accuracy of this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a
criminal offense.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">Investing in the
Notes involves risks. See &ldquo;Risk Factors&rdquo; beginning on page&nbsp;<U>S-9</U> of this prospectus supplement and those
risk factors in the documents incorporated by reference in this prospectus supplement and the accompanying prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Per Note</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-size: 10pt">Public offering price<SUP>(1)</SUP>&#9;</FONT></TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-size: 10pt">Underwriting discount<SUP>(2)</SUP>&#9;</FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.1in; padding-left: 0.1in">Proceeds, before expenses, to us&#9;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 17.3pt; text-align: left"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Plus accrued interest, if
any, from</FONT> <FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026, if settlement occurs after that date.</FONT></TD>
</TR></TABLE>



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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         underwriters will also be reimbursed for certain expenses incurred in this offering.
                                         See &ldquo;Underwriting (Conflicts of Interest)&rdquo; in this prospectus supplement
                                         for details.</FONT></TD></TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">The
underwriters expect to deliver the Notes in book-entry form only through the facilities of The Depository Trust Company (&ldquo;<B>DTC</B>&rdquo;),
against payment on or about&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , 2026, which is the &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;business day following the date of pricing the Notes (such settlement being referred
to as &ldquo;T+&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &rdquo;). See &ldquo;Underwriting (Conflicts of Interest)&rdquo; for details.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><I><U>Joint
Book-Running Managers</U></I></FONT></P>

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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 12pt"><B>Piper
    Sandler</B></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 12pt"><B>J.P.
    Morgan</B></FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>The date of
this prospectus supplement is May &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026.</B></FONT></P>




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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Table
of Contents<FONT STYLE="font-family: Times New Roman, Times, Serif"><B><SUP></SUP></B></FONT></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Prospectus
Supplement</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: right"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 96%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%; font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Page</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif">About
    This Prospectus Supplement</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-ii</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif">Incorporation
    of Certain Documents by Reference</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-iii</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cautionary
    Note Concerning Forward-Looking Statements</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-iv</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif">Prospectus
    Supplement Summary</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-1</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
    Offering</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-4</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif">Risk
    Factors</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-8</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif">Use
    of Proceeds</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-18</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif">Capitalization</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S</FONT><FONT STYLE="font-size: 10pt">-19</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif">Description
    of the Notes</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-20</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_010"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certain
    ERISA and Other Benefit Plan Considerations</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-37</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_011"><FONT STYLE="font-family: Times New Roman, Times, Serif">U.S.
    Federal Income Tax Considerations</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-39</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif">Underwriting
    (Conflicts of Interest)</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-43</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_013"><FONT STYLE="font-family: Times New Roman, Times, Serif">Legal
    Matters</FONT></A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">S-46</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#e26227a_014">Experts</A></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; vertical-align: bottom"><FONT STYLE="font-size: 10pt">S-46</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Prospectus</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 95%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">About This Prospectus</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cautionary
    Statement Regarding Forward-Looking Information</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Where
    You Can Find More Information</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">About
    Fulton Financial Corporation</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Factors</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Use
    Of Proceeds</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Plan
    Of Distribution</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Summary
    Of The Securities We May Offer</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Matters</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Experts</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD>
    </TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_001"></A>About
This Prospectus Supplement</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">This document
contains two parts. The first part is this prospectus supplement, which contains specific information about us and the terms on
which we are selling the Notes and adds to and updates information contained in the accompanying prospectus and the documents
incorporated by reference herein. The second part is the accompanying prospectus dated August 11, 2025, which contains and incorporates
by reference a more general description of the securities we may offer from time to time, some of which does not apply to the
Notes we are offering, and important business and financial information about us. If information contained in this prospectus
supplement differs or varies from the information contained in the accompanying prospectus, you should rely on the information
set forth in this prospectus supplement. If information contained in any document having a later date than this prospectus supplement
(for example, a document incorporated by reference in the accompanying prospectus) differs or varies from the information contained
in this prospectus supplement or the accompanying prospectus, the statement in the document having the later date modifies or
supersedes the earlier statement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">As used in
this prospectus supplement, &ldquo;<B>Fulton Financial</B>,&rdquo; the &ldquo;<B>Company</B>,&rdquo; &ldquo;we,&rdquo; &ldquo;our&rdquo;
and &ldquo;us&rdquo; refer to Fulton Financial Corporation and its subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">References
to &ldquo;<B>Fulton Bank</B>&rdquo; refer to Fulton Bank, N.A., a bank chartered under the laws of the United States of America
and a wholly owned bank subsidiary of Fulton Financial.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">References
to &ldquo;<B>Blue Foundry Bank</B>&rdquo; refer to Blue Foundry Bank, a New Jersey-chartered stock savings bank, a subsidiary
of Blue Foundry Bancorp, a Delaware corporation (&ldquo;<B>Blue Foundry</B>&rdquo;), and a wholly owned subsidiary of Fulton Financial.
Each of Blue Foundry Bank and Fulton Bank is referred to as a &ldquo;<B>Bank</B>&rdquo; and, collectively, as the &ldquo;<B>Banks</B>&rdquo;.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Unless otherwise
indicated, currency amounts in this prospectus supplement are stated in U.S. dollars.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">This prospectus
supplement and the accompanying prospectus are part of a shelf registration statement on Form&nbsp;S-3 that we filed with the
SEC. The registration statement incorporates by reference important business and financial information about us that is not included
in or delivered with this document. This information, other than exhibits to documents that are not specifically incorporated
by reference into this prospectus supplement or the accompanying prospectus, is available to you via the SEC&rsquo;s website at
www.sec.gov or without charge upon written or oral request to Fulton Financial at the address or telephone number indicated
in the section entitled &ldquo;Incorporation of Certain Documents by Reference&rdquo; in this prospectus supplement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Before you
invest in the Notes, you should carefully read the registration statement (including the exhibits thereto) of which this prospectus
supplement and the accompanying prospectus form a part, this prospectus supplement, the accompanying prospectus and the documents
incorporated by reference into this prospectus supplement and the accompanying prospectus. The documents incorporated by reference
into this prospectus supplement are described under &ldquo;Incorporation of Certain Documents by Reference.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Neither we
nor the underwriters have authorized anyone to provide you with any information other than that contained or incorporated by reference
in this prospectus supplement, the accompanying prospectus and any &ldquo;free writing prospectus&rdquo; prepared by or on behalf
of us or to which we may have referred you. We take no responsibility for, and can provide no assurance as to the reliability
of, any other information that others may give you. We are not, and the underwriters are not, making an offer to sell the Notes
in any jurisdiction where the offer or sale is not permitted. You should assume that the information appearing in this prospectus
supplement, the accompanying prospectus, any free writing prospectus relating to this prospectus supplement provided or approved
by us and the documents incorporated by reference in either this prospectus supplement or the accompanying prospectus is accurate
only as of the respective dates of those documents. Our business, financial condition, results of operations and prospects may
have changed since those dates.</FONT></P>




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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_002"></A>Incorporation
of Certain Documents by Reference</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">We file annual,
quarterly and current reports, proxy statements and other information with the SEC. Our SEC filings are available to the public
on the SEC&rsquo;s website at www.sec.gov and on the investor relations page of our website at www.fultonbank.com. Except for
those SEC filings incorporated by reference in this prospectus supplement or in the accompanying prospectus, none of the other
information on these websites constitutes a part of this prospectus supplement or the accompanying prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">In this prospectus
supplement and the accompanying prospectus, as permitted by law, we &ldquo;incorporate by reference&rdquo; information from other
documents that we file with the SEC. This means that we can disclose important information to you by referring you to those documents.
The information incorporated by reference is considered to be a part of this prospectus supplement and the accompanying prospectus
and should be read with the same care. When we update the information contained in documents that have been incorporated by reference
by making future filings with the SEC, the information incorporated by reference in this prospectus supplement and the accompanying
prospectus is considered to be automatically updated and superseded. In other words, in case of a conflict or inconsistency between
information contained in this prospectus supplement and the accompanying prospectus and information incorporated by reference
into this prospectus supplement and the accompanying prospectus, you should rely on the information contained in the document
that was filed later.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">We incorporate
by reference the documents listed below and any documents we file with the SEC in the future under Sections 13(a), 13(c), 14,
or 15(d) of the Securities Exchange Act of 1934 (the &ldquo;Exchange Act&rdquo;) until the completion of the offering of securities
under this prospectus (other than information in such additional documents that is deemed under the Exchange Act, in accordance
with the Exchange Act and SEC rules, to be &ldquo;furnished&rdquo; and not filed with the SEC):</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Our
                                         Annual Report on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000700564/000070056426000006/fult-20251231.htm">Form&nbsp;10-K</A> for the fiscal year ended December&nbsp;31, 2025, filed
                                         on February&nbsp;27, 2026;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Our
                                         Current Reports on Form&nbsp;8-K to the extent filed and not furnished with the SEC on
                                         <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000700564/000119312526062561/d103968d8k.htm">February 23, 2026</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000700564/000119312526135892/d89081d8k.htm">April 1, 2026</A>; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Our
                                         Definitive Proxy Statement on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000700564/000120677426000176/fult4500571-def14a.htm">Schedule&nbsp;14A</A> for the 2026 Annual Meeting of Shareholders,
                                         filed on April&nbsp;1, 2026 (solely to the extent incorporated by reference into Part
                                         III of our Annual Report on Form&nbsp;10-K&nbsp;for the fiscal year ended December&nbsp;31,
                                         2025).</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">You may request
a copy of any of these filings, other than an exhibit to a filing unless that exhibit is specifically incorporated by reference
into that filing, at no cost, by writing to or telephoning us at the following address:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt">Fulton Financial
Corporation<BR>
One Penn Square<BR>
P.O. Box 4887<BR>
Lancaster, Pennsylvania 17604<BR>
Attention: Corporate Secretary<BR>
(717) 291-2411</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_003"></A>Cautionary
Note Concerning Forward-Looking Statements</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">This prospectus
supplement, the accompanying prospectus and the documents incorporated by reference or deemed incorporated by reference into this
prospectus supplement or the accompanying prospectus and any other written or oral statements made by us from time to time may
contain forward-looking statements within the meaning of the federal securities laws. Do not unduly rely on forward-looking statements.
Forward-looking statements can be identified by the use of words such as &ldquo;may,&rdquo; &ldquo;should,&rdquo; &ldquo;will,&rdquo;
&ldquo;could,&rdquo; &ldquo;estimates,&rdquo; &ldquo;predicts,&rdquo; &ldquo;potential,&rdquo; &ldquo;continue,&rdquo; &ldquo;anticipates,&rdquo;
&ldquo;believes,&rdquo; &ldquo;plans,&rdquo; &ldquo;expects,&rdquo; &ldquo;future,&rdquo; &ldquo;intends,&rdquo; &ldquo;projects,&rdquo; the
negative of these terms and other comparable terminology. These forward-looking statements may include projections of, or guidance
on, the Company&rsquo;s future financial performance, expected levels of future expenses, including future credit losses, anticipated
growth strategies, descriptions of new business initiatives and anticipated trends in the Company&rsquo;s business or financial results.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Factors that
could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         impact of adverse conditions in the economy and financial markets, including elevated
                                         interest rates and trade policies and the imposition of tariffs and retaliatory tariffs,
                                         on the performance of the Company&rsquo;s loan portfolio and demand for the Company&rsquo;s
                                         products and services;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         potential impacts of events affecting the financial services industry on the Company,
                                         including increased competition for, and costs of, deposits and other funding sources,
                                         more stringent regulatory requirements relating to liquidity and interest rate risk management
                                         and capital adequacy and increased FDIC insurance expenses;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of actions by the federal government, including those of the Federal Reserve
                                         Board and other government agencies, that impact the money supply and market interest
                                         rates;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of market interest rates, and the relative balances of interest rate-sensitive
                                         assets to interest rate-sensitive liabilities, on net interest margin and net interest
                                         income;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         composition of the Company&rsquo;s loan portfolio, including commercial mortgage loans, commercial
                                         and industrial loans and construction loans, which collectively represent a majority
                                         of the loan portfolio, may expose the Company to increased credit risk;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of changes in interest rates on demand for the Company&rsquo;s products and services;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">investment
                                         securities gains and losses, including declines in the fair value of securities which
                                         may result in charges to earnings or shareholders&rsquo; equity;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of changes in interest rates or disruptions in liquidity markets on the Company&rsquo;s
                                         sources of funding;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">capital
                                         and liquidity strategies, including the Company&rsquo;s ability to comply with applicable capital
                                         and liquidity requirements, and the Company&rsquo;s ability to generate capital internally
                                         or raise capital on favorable terms;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of competition on deposit rates and growth, loan rates and growth and net interest
                                         margin;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">possible
                                         goodwill impairment charges;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         impact of operational risks, including the risk of human error, inadequate or failed
                                         internal processes and systems, computer and telecommunications systems failures, faulty
                                         or incomplete data and an inadequate risk management framework;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         loss of, or failure to safeguard, confidential or proprietary information;</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         Company&rsquo;s failure to identify and adequately and promptly address cybersecurity risks,
                                         including data breaches and cyberattacks;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         impact of failures of third-party vendors upon which the Company relies to perform in
                                         accordance with contractual arrangements and the effects of concerns about other financial
                                         institutions on the Company;</FONT></TD></TR></TABLE>

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<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         potential to incur losses in connection with repurchase and indemnification payments
                                         related to sold loans;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         potential effects of climate change on the Company&rsquo;s business and results of operations;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         potential effects of increases in non-performing assets, which may require the Company
                                         to increase the allowance for credit losses, charge-off loans and incur elevated collection
                                         and carrying costs related to such non-performing assets;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         determination of the allowance for credit losses, which depends significantly upon assumptions
                                         and judgments with respect to a variety of factors, including the performance of the
                                         loan portfolio, the weighted-average remaining lives of different classifications of
                                         loans within the loan portfolio and current and forecasted economic conditions, among
                                         other factors;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of the extensive level of regulation and supervision to which the Company and
                                         the Banks are subject;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">changes
                                         in law, regulation and government policy, which could result in significant changes in
                                         banking and financial services regulation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         continuing impact of the Dodd-Frank Act on the Company&rsquo;s business and results of operations;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         potential for negative consequences resulting from regulatory violations, investigations
                                         and examinations, including potential supervisory actions, the assessment of fines and
                                         penalties, the imposition of sanctions, the need to undertake remedial actions and possible
                                         damage to the Company&rsquo;s reputation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of adverse outcomes in litigation and governmental or administrative proceedings;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of changes in U.S. federal, state or local tax laws;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of the significant amounts of time and expense associated with regulatory compliance
                                         and risk management;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         Company&rsquo;s ability to realize anticipated reductions in non-interest expense and increases
                                         in revenue from strategic initiatives implemented from time to time intended to simplify
                                         its operating model, improve its relationship banking focus, increase productivity and
                                         enhance the customer experience;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">risks
                                         related to the Merger (as defined below) including, among others, (i) diversion of management&rsquo;s
                                         attention from ongoing business operations and opportunities, (ii) cost savings and any
                                         revenue or expense synergies from the Merger may not be fully realized or may take longer
                                         than anticipated to be realized, (iii) expenses related to the Merger are greater than
                                         expected, and (iv) unanticipated challenges or delays in the integration of Blue Foundry
                                         Bank&rsquo;s business into Fulton Bank&rsquo;s business and/or the conversion of Blue
                                         Foundry Bank&rsquo;s operating systems and customer data;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">completed
                                         and potential future acquisitions may affect costs and the Company may not be able to
                                         successfully integrate the acquired business or realize the anticipated benefits from
                                         such acquisitions;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">geopolitical
                                         conditions, including acts or threats of terrorism, actions taken by the United States
                                         or other governments in response to acts or threats of terrorism and/or military conflicts,
                                         including the war between Russia and Ukraine and ongoing tensions in the Middle East,
                                         which could impact business and economic conditions in the United States and abroad;</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">public
                                         health crises and pandemics and their effects on the economic and business environments
                                         in which the Company operates, including on the Company&rsquo;s credit quality and business
                                         operations, as well as the impact on general economic and financial market conditions;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         Company&rsquo;s ability to achieve its growth plans;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         Company&rsquo;s ability to attract and retain talented personnel;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of competition from financial service companies and other companies offering
                                         bank services;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         Company&rsquo;s ability to keep pace with technological changes;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         Company&rsquo;s reliance on its subsidiaries for substantially all of its revenues and its
                                         ability to pay dividends or other distributions;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         effects of negative publicity on the Company&rsquo;s reputation; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">other
                                         factors that may affect future results of the Company.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">These and
other factors are more fully described under &ldquo;Risk Factors&rdquo; below and in Item&nbsp;1A of our most recent Annual Report
on Form&nbsp;10-K for the fiscal year ended December&nbsp;31, 2025, filed with the SEC on February&nbsp;27, 2026, and other factors
discussed in the filings we make with the SEC under the Exchange Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Forward-looking
statements are neither historical facts, nor assurance of future performance. Instead, the statements are based on current beliefs,
expectations and assumptions regarding the future of the Company&rsquo;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 Company&rsquo;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 Company 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="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">All forward-looking
statements attributable to the Company are expressly qualified in their entirety by these cautionary statements. Forward-looking
statements speak only as of the date on which such statements are made. Except as required by law, we disclaim any obligation
to update these forward-looking statements, whether as a result of new information, future events or otherwise. There is no assurance
that future results, levels of activity, performance or goals will be achieved.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_004"></A>Prospectus
Supplement Summary</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">This summary
highlights selected information from this prospectus supplement and does not contain all of the information that you should consider
in making your investment decision. You should read this summary together with the more detailed information appearing elsewhere
in this prospectus supplement, as well as the information in the accompanying prospectus and in the documents incorporated by
reference or deemed incorporated by reference into this prospectus supplement and the accompanying prospectus. You should carefully
consider, among other things, the matters discussed in the section titled &ldquo;Risk Factors&rdquo; in this prospectus supplement,
in our most recent Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2025, and in other documents that we subsequently
file with the SEC. In addition, certain statements include forward-looking information that involves risks and uncertainties.
See &ldquo;Cautionary Note Concerning Forward-Looking Statements&rdquo; in this prospectus supplement.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt">Overview</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">Fulton Financial
is a Pennsylvania corporation and a registered financial holding company that maintains its headquarters in Lancaster, Pennsylvania.
Through our banking subsidiary, Fulton Bank, we deliver financial services primarily within our five-state market area, comprised
of Pennsylvania, Delaware, Maryland, New Jersey and Virginia. As of December 31, 2025, Fulton Financial had, on a consolidated
basis, total assets of approximately $32.1 billion, loans and leases, net of unearned income of approximately $24.1 billion, total
deposits of approximately $26.6 billion and total shareholders&rsquo; equity of approximately $3.5 billion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Our principal
executive offices are located at One Penn Square, Lancaster, Pennsylvania 17604, and our telephone number is (717) 291-2411. Our
common stock is listed and traded on Nasdaq under the symbol &ldquo;FULT&rdquo;. Our website address is www.fultonbank.com. This
website address is not intended to be an active link, and information on our website is not incorporated in, and should not be
construed to be part of, this prospectus supplement.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt">Recent
Developments</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Dividend
Declaration</I></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt; font-weight: normal">Effective
March 17, 2026, the Board of Directors of Fulton Financial (the &ldquo;</FONT><FONT STYLE="font-size: 10pt">Board<FONT STYLE="font-weight: normal">&rdquo;)
approved a quarterly cash dividend of $0.19 per share of its common stock, paid on April 15, 2026, to shareholders of record as
of April 1, 2026. In addition, the Board approved a quarterly dividend of $12.81 per share of its Fixed Rate Non-Cumulative Perpetual
Preferred Stock, Series A (equivalent to $0.32025 per depositary share), paid on April 15, 2026, to shareholders of record as
of March 31, 2026, for the period from and including January 15, 2026, to but excluding, April 15, 2026. </FONT></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Acquisition
of Blue Foundry</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt; font-weight: normal; font-style: normal">On
April 1, 2026, we completed the acquisition of Blue Foundry and its subsidiary bank, Blue Foundry Bank (the &ldquo;</FONT><FONT STYLE="font-size: 10pt; font-style: normal">Merger<FONT STYLE="font-weight: normal">&rdquo;).
The acquisition of Blue Foundry expands our presence in the New Jersey market. In connection with the merger of Blue Foundry into
Fulton Financial, each share of Blue Foundry common stock was converted into the right to receive 0.650 shares of Fulton Financial
common stock. We expect to merge Blue Foundry Bank with Fulton Bank in the second half of 2026. </FONT></FONT></P>
</DIV>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">First
Quarter 2026, Preliminary Results</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">On April
22, 2026, Fulton Financial reported its unaudited financial results for the three months ended March 31, 2026, including the financial
results summarized below. The comparisons below of the results from the three months ended March 31, 2026, which is referred to
as first quarter of 2026, unless otherwise noted, are against those from the three months ended December 31, 2025, which is referred
to as the prior quarter, unless otherwise noted.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">The following
should be read in conjunction with Fulton Financial&rsquo;s consolidated financial statements and related notes, as well as management&rsquo;s
discussion and analysis of financial condition and results of operations, in the Company&rsquo;s filings with the SEC that are
incorporated by reference herein and the sections entitled &ldquo;Cautionary Note Regarding Forward-Looking Statements&rdquo;
and &ldquo;Risk Factors&rdquo; in this prospectus supplement and similar sections in filings with the SEC that are incorporated
by reference herein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">In the three
months ended March 31, 2026, net income available to common shareholders was $92.2 million, or $0.51 per diluted share, a decrease
of $4.2 million in comparison to the prior quarter. Operating net income available to common shareholders for the three months
ended March 31, 2026 was $99.7 million, or $0.55 per diluted share, an increase of $0.3 million in comparison to the prior quarter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>Net Interest
Income and Margin</I>.<I> </I>Net interest income decreased $4.0 million to $262.0 million compared to the prior quarter. Net
interest margin was 3.58%, representing one basis point decline from the prior quarter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>Capital</I>.
Common equity tier 1 capital ratio increased to approximately 11.9% compared to 11.8% in the prior quarter. During the first quarter
of 2026, 1,212,650 shares of Fulton Financial&rsquo;s common stock were repurchased under Fulton Financial&rsquo;s 2026 repurchase
program at a cost of $24.5 million or an average of $20.21 per share. The 2026 repurchase program represents the authorization,
commencing on January 1, 2026 and expiring on January 31, 2027, to repurchase up to $150 million, excluding fees, commissions,
excise tax and other ancillary expenses, of the Company&rsquo;s common stock.&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>Non-interest
Income</I>. Non-interest income before investment securities gains (losses) was $69.8 million compared to $70.0 million in the
prior quarter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>Expenses</I>.
Non-interest expense was $200.3 million compared to $213.0 million in the prior quarter. The $12.7 million decrease in non-interest
expense was primarily due to a $11.7 million decrease in salaries and employee benefits expense primarily due to a $11.3 million
decrease in incentive compensation expense. Acquisition-related expense associated with the Merger was $2.6 million compared to
$0.8 million in the prior quarter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>Loans</I>.
During the first quarter of 2026, total net loans increased $121.5 million to $24.3 billion compared to $24.1 billion as of December
31, 2025. The increase was primarily due to increases of $78.7 million in consumer loans and $42.7 million in commercial loans
which included an opportunistic purchase of an in-market commercial loan portfolio.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>Deposits</I>.
Deposits totaled $26.8 billion, a $178.9 million increase compared to $26.6 billion as of December 31, 2025. The increase was
primarily due to increases of $362.4 million in savings deposits and $78.8 million in noninterest-bearing demand deposits, partially
offset by decreases of $146.5 million in interest-bearing demand deposits and $139.2 million in brokered deposits.</FONT></P>
</DIV>

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<DIV STYLE="border: black 1px solid; padding: 12pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>Credit
Losses and Asset Quality. </I>The provision for credit losses totaled $14.4 million in the first quarter of 2026, resulting in
a $367.5 million allowance for credit losses attributable to net loans, or 1.51% of total net loans as of March 31, 2026, compared
to $364.5 million, or 1.51% of total net loans as of December 31, 2025. Non-performing assets were $177.5 million, or 0.55% of
total assets, as of March 31, 2026, in comparison to $185.2 million, or 0.58% of total assets, as of December 31, 2025.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt"><B><U>Non-GAAP
Financial Measures</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">In addition to our
results presented in accordance with the accounting principles generally accepted in the United States (&ldquo;<B>GAAP</B>&rdquo;), our
preliminary results contain supplemental financial information that has been derived by methods other than GAAP. We have presented the
following non-GAAP financial measure because we believe that this measure provides useful and comparative information to assess trends
in our results of operations and financial condition. Presentation of this non-GAAP financial measure is consistent with how we evaluate
our performance internally and this non-GAAP financial measure is frequently used by securities analysts, investors and other interested
parties in the evaluation of companies in our industry. Investors should recognize that our presentation of this non-GAAP financial measure
might not be comparable to similarly-titled measure of other companies. This non-GAAP financial measure should not be considered a substitute
for GAAP basis measures, and we strongly encourage a review of our consolidated financial statements in their entirety. The non-GAAP
financial measure is reconciled to the most directly comparable GAAP measure in the following table.</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: center; padding-left: 0; text-indent: 0">&nbsp;</TD><TD NOWRAP>&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="text-align: center">&nbsp;</TD><TD NOWRAP>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold; text-align: left; padding-left: 0; text-indent: 0; padding-bottom: 1pt">(Dollars in thousands, except per share and share data)</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three months ended<BR>
 March 31, 2026</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; text-align: left; text-indent: 0; padding-left: 0">Net income available to common shareholders</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">92,199</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0; text-indent: 0">Plus: Core deposit intangible amortization</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,255</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0; text-indent: 0">Plus: Acquisition-related expense</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,644</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0; text-indent: 0">Plus: FultonFirst implementation and asset disposals</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,556</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0; text-indent: 0; padding-bottom: 1pt">Less: Tax impact of adjustments</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1pt solid">(1,985</TD><TD STYLE="text-align: left; padding-bottom: 1pt">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0; padding-bottom: 2.5pt">Operating net income available to common shareholders (numerator)</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 2.5pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 2.5pt double">99,669</TD><TD STYLE="text-align: left; padding-bottom: 2.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0; padding-left: 0; padding-bottom: 2.5pt">Weighted average shares (diluted) (denominator)</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 2.5pt double">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 2.5pt double">181,655</TD><TD STYLE="text-align: left; padding-bottom: 2.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0; padding-bottom: 2.5pt">Operating net income available to common shareholders, per share (diluted)</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 2.5pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 2.5pt double">0.55</TD><TD STYLE="text-align: left; padding-bottom: 2.5pt">&nbsp;</TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">The foregoing
is preliminary and only a summary and is not intended to be a comprehensive statement of Fulton Financial&rsquo;s financial results.
The preliminary financial data included in this prospectus supplement has been prepared by, and is the responsibility of, Fulton
Financial&rsquo;s management. KPMG LLP has not audited, reviewed, examined, compiled, nor applied agreed-upon procedures with
respect to the preliminary financial data. Accordingly, KPMG LLP does not express an opinion or any other form of assurance with
respect thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Financial statements
as of and for the three months ended March&nbsp;31, 2026 will be included in Fulton Financial&rsquo;s Quarterly Report on Form 10-Q to
be filed with the SEC.</FONT></P>
</div>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<div style="border: solid black 1px; padding: 12pt">
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_005"></A>The
Offering</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The following
summary highlights selected information from this prospectus supplement and the accompanying prospectus about the Notes and this
offering. This description is not complete and does not contain all of the information that you should consider before investing
in the Notes. You should read this prospectus supplement and the accompanying prospectus, as well as the documents incorporated
by reference herein and therein, carefully before making a decision about whether to invest in the Notes. For a more complete
understanding of the Notes, you should read the section of this prospectus supplement entitled &ldquo;Description of the Notes.&rdquo;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 25%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 3%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 69%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Issuer</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">Fulton
    Financial Corporation, a Pennsylvania corporation.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Notes
    Offered</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%
    Fixed-to-Floating Rate Subordinated Notes due 2036</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Aggregate
    Principal Amount</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">$&#9;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Issue
    Price</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Maturity
    Date</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes will mature on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2036.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Interest</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><I>Fixed
    rate period</I>: A fixed rate per annum of &nbsp;&nbsp;&nbsp;&nbsp;%.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><I>Floating
    rate period</I>: A floating per annum rate equal to the Benchmark rate based on Three-Month Term SOFR plus &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;basis
    points for each quarterly interest period during the floating rate period&#894; <U>provided</U>, <U>however</U>, that if the
    Benchmark rate is less than zero, the Benchmark rate will be deemed to be zero.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">For
    each interest period during the floating rate period, &ldquo;<B>Three-Month Term SOFR</B>&rdquo; means the rate for Term SOFR
    for a tenor of three months that is published by the Term SOFR Administrator at the Reference Time for any interest period,
    as determined by the calculation agent after giving effect to the Three-Month Term SOFR Conventions (each as defined under
    &ldquo;Description of the Notes&rdquo;).</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">If
    the calculation agent determines on or prior to the relevant Reference Time that a Benchmark Transition Event and its related
    Benchmark Replacement Date (each as defined under &ldquo;Description of the Notes&rdquo;) have occurred with respect to Three-Month
    Term SOFR, then the provisions under &ldquo;Description of the Notes- Effect of Benchmark Transition Event,&rdquo; which are
    referred to herein as the &ldquo;benchmark transition provisions,&rdquo; will thereafter apply to all determinations of the
    interest rate on the Notes for each interest period during the floating rate period. In accordance with the benchmark transition
    provisions, after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred, the interest rate
    on the Notes for each interest period during the floating rate period will be an annual rate equal to the Benchmark Replacement
    (as defined under &ldquo;Description of the Notes&rdquo;) plus&nbsp;&nbsp; &#9;&nbsp;basis points.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">We
    will appoint a calculation agent for the Notes (which may be us or an affiliate) prior to the commencement of the floating
    rate period. We will act as the initial calculation agent.</FONT></td></tr>
</TABLE>

</DIV>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<DIV STYLE="border: black 1px solid; padding: 12pt">

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Interest
    Payment Dates</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><I>Fixed
    rate period</I>:&nbsp;&nbsp;&nbsp;&nbsp; and &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;of each year, commencing on &nbsp;&nbsp;&nbsp;&nbsp;, 2026. The last interest payment date for the fixed rate
    period will be &nbsp;&nbsp;&nbsp;&nbsp;, 2031.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><I>Floating
    rate period</I>: &nbsp;&nbsp;&nbsp;&nbsp;, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;of each year, commencing on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Record
    Dates</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">Interest
    on each Note will be payable to the person in whose name such Note is registered on the 15th day (whether or not a Business
    Day) immediately preceding the applicable interest payment date.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Day
    Count Convention</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><I>Fixed
    rate period</I>: 360-day year consisting of twelve 30-day months.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><I>Floating
    rate period</I>: 360-day year and the actual number of days elapsed.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>No
    Guarantee</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes will not be guaranteed by any of our subsidiaries. As a result, the Notes will be structurally subordinated to the liabilities
    of our subsidiaries as discussed below under &ldquo;Description of the Notes- Subordination&rdquo; and &ldquo;Risk Factors-
    The Notes will be unsecured and subordinated to any existing and future Senior Indebtedness (as defined under &ldquo;Description
    of the Notes- Subordination&rdquo;).&rdquo;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Ranking;
    Subordination</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes offered by this prospectus supplement will be issued by us under a Subordinated Debt Securities Indenture, dated as
    of November 17, 2014, as amended (the &ldquo;<B>Base Indenture</B>&rdquo;), by and between Fulton Financial and Wilmington
    Trust, National Association, as trustee (the &ldquo;<B>Trustee</B>&rdquo;), as supplemented by a Fourth Supplemental Indenture,
    to be dated as of the issue date (the &ldquo;<B>Fourth Supplemental Indenture</B>&rdquo;), by and between Fulton Financial
    and the Trustee. We refer to the Base Indenture, as supplemented by the Fourth Supplemental Indenture, as the &ldquo;<B>Indenture</B>.&rdquo;
    The Notes will be our unsecured, subordinated obligations and:</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 25%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 3%"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; width: 69%"><FONT STYLE="font-size: 10pt">will
rank junior in right of payment and upon our liquidation to any of our existing and all future Senior Indebtedness, all as described
under &ldquo;Description of the Notes&rdquo;;</FONT></TD></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left"><FONT STYLE="font-size: 10pt">will
rank equal in right of payment and upon our liquidation with any of our existing and all of our future indebtedness the terms of which
provide that such indebtedness ranks equally with the Notes, including our 3.25% Fixed-to-Floating Rate Subordinated Notes due 2030 (the
&ldquo;<B>2030 Notes</B>&rdquo;) and 3.75% Fixed-to-Floating Rate Subordinated Notes due 2035 (the &ldquo;<B>2035 Notes</B>&rdquo; and,
together with the 2030 Notes, the &ldquo;<B>Outstanding Notes</B>&rdquo;); and</FONT></TD></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left"><FONT STYLE="font-size: 10pt">will
be (i) effectively subordinated to our secured indebtedness to the extent of the value of the collateral securing such indebtedness,
and (ii) structurally subordinated to any existing and future liabilities and obligations of our subsidiaries, including the deposit
liabilities and claims of other creditors of the Banks.</FONT></TD></tr>
</TABLE>

</DIV>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<DIV STYLE="border: black 1px solid; padding: 12pt">

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 25%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 3%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 69%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">As
    of December 31, 2025, on a consolidated basis, we had no outstanding Senior Indebtedness and had $367.7 million of indebtedness that
    would rank <I>pari passu</I> to the Notes. As of December 31, 2025, our subsidiaries had $28.2 billion of liabilities to which
    the Notes will be structurally subordinated. The Indenture will not limit the amount of additional indebtedness we or our subsidiaries
    may incur.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Form
    and Denomination</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes will be offered in book-entry form only through the facilities of The Depository Trust Company (with its successors,
    &ldquo;<B>DTC</B>&rdquo;) in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Optional
    Redemption</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">We
    may, at our option, beginning with the interest payment date of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, and on any date thereafter, redeem the Notes,
    in whole or in part, from time to time, subject to obtaining the prior approval of the Federal Reserve to the extent such
    approval is then required under the rules of the Federal Reserve, at a redemption price equal to 100% of the principal amount
    of the Notes being redeemed plus any accrued and unpaid interest, if any, to, but excluding, the date of redemption.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Special
    Redemption</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">We
    may also redeem the Notes at any time prior to their maturity, including prior to &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, in whole, but not in part, subject
    to obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the rules of the
    Federal Reserve, upon or after the occurrence of (1) a Tax Event (as defined in the Indenture); (2) a Tier 2 Capital Event
    (as defined in the Indenture); or (3) our being required to register as an investment company under the Investment Company
    Act of 1940, as amended. In each case, the redemption would be at a redemption price equal to 100% of the principal amount
    of the Notes plus any accrued and unpaid interest to, but excluding, the redemption date. For more information, see &ldquo;Description
    of the Notes- Redemption.&rdquo;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Sinking
    Fund</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">There
    will be no sinking fund for the Notes.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Future
    Issuances</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes will initially be limited to an aggregate principal amount of $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. We may from time to time, without notice to
    or consent of the holders, increase the aggregate principal amount of the Notes outstanding by issuing additional notes in
    the future with the same terms as the Notes, except for the issue date, the offering price and the first interest payment
    date, and such additional notes may be consolidated with the Notes issued in this offering and form a single series.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Use
    of Proceeds</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">We
    estimate that the net proceeds from this offering will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; million, after deducting the underwriting discount
    and our estimated offering expenses. We intend to use the net proceeds from this offering, after the payment of offering expenses,
    to repay $195&nbsp;million aggregate principal amount of our outstanding 2030 Notes, plus accrued interest, and for general
    corporate purposes. See &ldquo;Use of Proceeds.&rdquo;</FONT></td></tr>
</TABLE>

</DIV>

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<DIV STYLE="border: black 1px solid; padding: 12pt">
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; width: 25%; text-indent: -8.65pt"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 3%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left; width: 69%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>

<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Listing</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes will not be listed on any securities exchange or quoted on any quotation system. Currently, there is no market for the
    Notes, and there is no assurance that any public market for the Notes will develop.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left"><FONT STYLE="font-size: 10pt"><B>Certain
    ERISA and Benefit Plan Considerations</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">For
    a discussion of certain prohibited transactions and fiduciary duty issues pertaining to purchases by or on behalf of an employee
    benefit plan, see &ldquo;Certain ERISA and Other Benefit Plan Considerations.&rdquo;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left"><FONT STYLE="font-size: 10pt"><B>U.S.
    Federal Income Tax Considerations</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">For
    a discussion of U.S. federal income tax considerations of purchasing, owning and disposing of the Notes, see &ldquo;U.S. Federal
    Income Tax Considerations.&rdquo;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Governing
    Law</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes and the Indenture will be governed by the laws of the State of New York.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Trustee</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">Wilmington
    Trust, National Association.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Global
    Note&#894; Book-Entry System</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Notes offered hereby will be evidenced by a global note deposited with the trustee for the Notes, as custodian for DTC. Beneficial
    interests in the global note will be shown on, and transfers of those beneficial interests can only be made through, records
    maintained by DTC and its participants. See &ldquo;Description of the Notes- Form, Denomination, Transfer, Exchange and Book-Entry
    Procedures.&rdquo;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Risk
    Factors</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">Investing
    in the Notes involves risks. Potential investors are urged to read and consider the risk factors relating to an investment in the
    Notes set forth under &ldquo;Risk Factors&rdquo; beginning on page&nbsp;S-8 of this prospectus supplement, as well as the
    risk factors and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus,
    including those under Item&nbsp;1A, &ldquo;Risk Factors&rdquo; in our Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31,
    2025 and in other documents that we subsequently file with the SEC, for a discussion of factors that you should carefully consider
    before deciding whether to invest in the Notes.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 8.65pt; font: 10pt Times New Roman, Times, Serif; padding-bottom: 0pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Conflicts
    of Interest:</B></FONT></td>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 0; text-align: left"><FONT STYLE="font-size: 10pt">The
    Company and Piper Sandler Companies, the parent company of Piper Sandler &amp; Co., an underwriter for this offering, have
    two 10% or greater shareholders in common. &nbsp;This is deemed a conflict of interest under FINRA Rule 5121. &nbsp;Accordingly,
    this offering is being made in compliance with the requirements of Rule 5121. &nbsp;Pursuant to Rule 5121, Piper Sandler &amp;
    Co. will not confirm sales of the Notes to any account over which it exercises discretionary authority without the prior written
    approval of the customer.</FONT></td></tr>
</table>
</div>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_006"></A>Risk
Factors</FONT></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">An
investment in our securities is subject to risks inherent to our business. Before making an investment decision, you should carefully
consider the risks and uncertainties described below together with the risk factors and other information included in our Annual
Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2025, and in other documents that we subsequently file with the
SEC, incorporated by reference into this prospectus supplement and the accompanying prospectus. Additional risks and uncertainties
that management is not aware of or that management currently deems immaterial may also impair our business operations. See also
the discussion under the heading &ldquo;Cautionary Note Concerning Forward-Looking Statements.&rdquo; This prospectus supplement
and the accompanying prospectus are qualified in their entirety by these risk factors. If any of these risks actually occurs,
our financial condition and results of operations could be materially and adversely affected. If this were to happen, the value
of our securities could decline significantly, and you could lose all or part of your investment.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Risk
Factors Related to the Notes</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">The
Notes will be unsecured and subordinated to any existing and future Senior Indebtedness.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">The Notes will be
subordinated obligations of Fulton Financial. Accordingly, the Notes will be junior in right of payment to any existing and all future
Senior Indebtedness, and in certain events of insolvency, to other financial obligations as described under &ldquo;Description of the
Notes.&rdquo; Our Senior Indebtedness includes all of Fulton Financial&rsquo;s indebtedness, except indebtedness of Fulton Financial
that is expressly subordinated to or ranked <I>pari passu </I>with the Notes, subject to certain exceptions. The Notes will rank equally
with all other unsecured subordinated indebtedness of Fulton Financial issued in the future under the Indenture. In addition, the Notes
will be structurally subordinated to all existing and future indebtedness, liabilities and other obligations, including deposits of our
subsidiaries, including the Banks. As of December 31, 2025, on a consolidated basis, we had no outstanding Senior Indebtedness and had
$367.7 million of indebtedness that would rank <I>pari passu</I> to the Notes. As of December 31, 2025, our subsidiaries had $28.2
billion of liabilities to which the Notes will be structurally subordinated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">In addition,
the Notes will not be secured by any of our assets. As a result, the Notes will be effectively subordinated to all of our secured
indebtedness to the extent of the value of the assets securing such indebtedness. The Indenture governing the Notes does not limit
the amount of Senior Indebtedness and other financial obligations or secured obligations that we or our subsidiaries may incur.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">As a result
of the subordination provisions described above, holders of the Notes may not be fully repaid in the event of our bankruptcy,
liquidation or reorganization.</FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt"><I>The
Notes will not be insured or guaranteed by the FDIC, any other governmental agency or any of our subsidiaries. The Notes will
be structurally subordinated to the indebtedness and other liabilities of our subsidiaries, which means that creditors of our
subsidiaries generally will be paid from those subsidiaries&rsquo; assets before holders of the Notes would have any claims to
those assets.</I></FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">The Notes
are not savings accounts, deposits or other obligations of the Banks or any of our non-bank subsidiaries and are not insured or
guaranteed by the FDIC or any other governmental agency or public or private insurer. The Notes are obligations of Fulton Financial
only and are neither obligations of, nor guaranteed by, any of our subsidiaries. The Notes will be structurally subordinated to
all existing and future indebtedness and other liabilities of our subsidiaries, which means that creditors of our subsidiaries
(including, in the case of the Banks, their respective depositors) generally will be paid from those subsidiaries&rsquo; assets
before holders of the Notes would have any claims to those assets. Even if we become a creditor of any of our subsidiaries, our
rights as a creditor would be subordinate to any security interest in the assets of that subsidiary and any debt of that subsidiary
senior to that held by us, and our rights could otherwise be subordinated to the rights of other creditors and depositors of that
subsidiary. Furthermore, none of our subsidiaries is under any obligation to make payments to us, and any payments to us depend
on the earnings or financial condition of our subsidiaries and various business considerations. Statutory, contractual or other
restrictions also limit our subsidiaries&rsquo; ability to pay dividends or make distributions, loans or advances to us. For these
reasons, we may not have access to any assets or cash flows of our subsidiaries to make interest and principal payments on the
Notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">The
Indenture governing the Notes does not contain any limitations on our ability to incur additional indebtedness, grant or incur
a lien on our assets, sell or otherwise dispose of assets, pay dividends or repurchase our capital stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Neither we
nor any of our subsidiaries are restricted from incurring additional indebtedness or other liabilities, including additional senior
or subordinated indebtedness, under the Indenture governing the terms of the Notes. If we incur additional indebtedness or liabilities,
our ability to pay our obligations on the Notes could be adversely affected. We expect that we will from time to time incur additional
indebtedness and other liabilities. In addition, we are not restricted under the Indenture governing the Notes from granting or
incurring a lien on any of our assets, selling or otherwise disposing of any of our assets, paying dividends or issuing or repurchasing
our securities including our regular quarterly dividend and share repurchases pursuant to our previously announced share repurchase
program.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">In addition,
there are no financial covenants in the Indenture governing the Notes. Except as expressly provided in the Indenture, you are
not protected under the Indenture governing the Notes in the event of a highly leveraged transaction, reorganization, default
under our existing indebtedness, restructuring, merger or similar transaction that may adversely affect you. See &ldquo;Description
of the Notes- Consolidation, Merger, Sale of Assets and Other Transactions.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Payments
on the Notes will depend on receipt of dividends and distributions from our subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">We are a bank
holding company and we conduct substantially all of our operations through subsidiaries, including the Banks. We depend on dividends,
distributions and other payments from our subsidiaries to meet our obligations, including to fund payments on the Notes.</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Federal and
state banking regulations limit dividends from our bank subsidiaries to us. Generally, banks are prohibited from paying dividends
when doing so would cause them to fall below regulatory minimum capital levels. Additionally, limits exist on banks paying dividends
in excess of net income for specified periods. The total amount available for payment of dividends by Fulton Bank was approximately
$373.5 million at December 31, 2025, based on Fulton Bank&rsquo;s net income for the three months ended December 31, 2025 and
the two prior years. If this amount had been fully distributed as of December 31, 2025, Fulton Bank would have maintained enough
capital to be considered well-capitalized at that date. In addition, federal bank regulatory agencies have the authority to prohibit
the Banks from engaging in unsafe or unsound practices in conducting their businesses. The payment of dividends or other transfers
of funds to us, depending on the financial condition of the Banks, could be deemed an unsafe or unsound practice.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Dividend payments
from the Banks would also be prohibited under the &ldquo;prompt corrective action&rdquo; regulations of federal bank regulators
if the Banks are, or after payment of such dividends would be, undercapitalized under such regulations. In addition, the Banks
are subject to restrictions under federal law that limit their ability to transfer funds or other items of value to us and our
non-bank subsidiaries, including affiliates, whether in the form of loans and other extensions of credit, investments and asset
purchases, or as other transactions involving the transfer of value. Unless an exemption applies, these transactions by the Banks
with us are limited to 10% of such Bank&rsquo;s capital stock and surplus and, with respect to all such transactions with affiliates
in the aggregate, to 20% of such Bank&rsquo;s capital stock and surplus. Moreover, loans and extensions of credit by the Banks
to their affiliates, including us, generally are required to be secured in specified amounts. A bank&rsquo;s transactions with
its non-bank affiliates also are required generally to be on arm&rsquo;s-length terms.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Accordingly,
we can provide no assurance that we will receive dividends or other distributions from our bank subsidiaries and our other subsidiaries
in an amount sufficient to pay interest on or principal of the Notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Our
indebtedness could adversely affect our financial results and prevent us from fulfilling our obligations under the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">In addition
to our currently outstanding indebtedness and any additional indebtedness we may incur pursuant to this offering, we may be able
to borrow substantial additional indebtedness, including Senior Indebtedness, in the future. If new indebtedness is incurred in
addition to our current debt levels, the related risks that we now face could increase.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Our indebtedness,
including the indebtedness we may incur in the future, could have important consequences for the holders of the Notes, including:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">limiting
                                         our ability to satisfy our obligations with respect to the Notes;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">increasing
                                         our vulnerability to general adverse economic and industry conditions;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">limiting
                                         our ability to obtain additional financing to fund future working capital, capital expenditures,
                                         and other general corporate requirements;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">requiring
                                         a substantial portion of our cash flow from operations for the payment of principal of,
                                         and interest on, our indebtedness and thereby reducing our ability to use our cash flow
                                         to fund working capital, capital expenditures, and general corporate requirements;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">limiting
                                         our flexibility in planning for, or reacting to, changes in our business and the industry;
                                         and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">putting
                                         us at a disadvantage compared to competitors with less indebtedness.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">The Indenture
does not limit the incurrence of additional indebtedness by us, including secured indebtedness, which would be effectively senior
to the Notes to the extent of the value of the collateral securing such indebtedness.</FONT></P>


<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">We
may not be able to generate sufficient cash to service all of our debt, including the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Our ability
to make scheduled payments of principal and interest, or to satisfy our obligations in respect of our debt or to refinance our
debt, will depend on the future performance of our operating subsidiaries. Prevailing economic conditions (including interest
rates), regulatory constraints, including, without limitation, limiting distributions to us from the Banks and required capital
levels with respect to the Banks and financial, business and other factors, many of which are beyond our control, will also affect
our ability to meet these needs. Our subsidiaries may not be able to generate sufficient cash flows from operations, or we may
be unable to obtain future borrowings in an amount sufficient to enable us to pay our debt, or to fund our other liquidity needs.
We may need to refinance all or a portion of our debt at or before maturity. We may not be able to refinance any of our debt when
needed (including, without limitation, upon commencement of the floating rate period) on commercially reasonable terms or at all.</FONT></P>
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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Regulatory
guidelines may restrict our ability to pay the principal of, and accrued and unpaid interest on, the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">As a bank
holding company, our ability to pay the principal of, and interest on, the Notes is subject to the rules and guidelines of the
Federal Reserve regarding capital adequacy. We intend to treat the Notes as &ldquo;<B>Tier 2 capital</B>&rdquo; under these rules
and guidelines. The Federal Reserve guidelines generally require us to review the effects of the cash payment on Tier 2 capital
instruments, such as the Notes, on our overall financial condition. The guidelines also require that we review our net income
for the current and past four quarters, and the amounts we have paid on Tier 2 capital instruments for those periods, as well
as our projected rate of earnings retention. Moreover, pursuant to federal law and Federal Reserve regulations, as a bank holding
company, we are required to act as a source of financial and managerial strength to the Banks and commit resources to their support,
including, without limitation, the guarantee of their capital plans if they are undercapitalized. Such support may be required
at times when we may not otherwise be inclined or able to provide it. As a result of the foregoing, we may be unable to pay accrued
interest on the Notes on one or more of the scheduled interest payment dates, or at any other time, or the principal of the Notes
at the maturity of the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">If we were
to be the subject of a bankruptcy proceeding under Chapter&nbsp;11 of the U.S. Bankruptcy Code, then the bankruptcy trustee would
be deemed to have assumed, and would be required to cure immediately, any deficit under any commitment we have to any of the federal
banking agencies to maintain the capital of the Banks, and any other insured depository institution for which we have such a responsibility,
and any claim for breach of such obligation would generally have priority over most other unsecured claims.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">We
intend for the Notes to qualify as eligible long-term debt for purposes of the Federal Reserve&rsquo;s Total Loss-Absorbing Capital
Requirements, should they become applicable to us, which means holders of the Notes will have limited rights, including limited
rights of acceleration, if there is an event of default.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Payment of
principal on the Notes may be accelerated only in the case of certain events of bankruptcy or insolvency involving us or our bank
subsidiaries. There is no automatic acceleration, or right of acceleration, in the case of default in the payment of principal
of or interest on the Notes, or in the performance of any of our other obligations under the Notes or the Indenture governing
the Notes. Our regulators can, in the event we or our bank subsidiaries become subject to an enforcement action, prohibit our
bank subsidiaries from paying dividends to us, and prevent our payment of interest or principal on the Notes and any dividends
on our capital stock, but such limits will not permit acceleration of the Notes. See &ldquo;Description of the Notes- Events of
Default.&rdquo;</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Federal Reserve
rules require that certain globally systemically important banks (&ldquo;<B>GSIBs</B>&rdquo;) maintain minimum levels of unsecured
external long-term debt and other loss-absorbing capacity with specific terms (&ldquo;<B>eligible LTD</B>&rdquo;) for purposes
of recapitalizing such GSIBs&rsquo; operating subsidiaries if such GSIBs were to enter into a resolution either:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         a bankruptcy proceeding under Chapter 11 of the U.S. Bankruptcy Code, or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         a receivership administered by the FDIC under Title II of the Dodd-Frank Wall Street
                                         Reform and Consumer Protection Act of 2010.</FONT></TD></TR></TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">On August&nbsp;29,
2023, the federal banking agencies issued a notice of proposed rulemaking (the &ldquo;<B>LTD NPR</B>&rdquo;), proposing long-term
debt requirements for Category II, III, and IV bank holding companies which, if adopted as proposed, would require covered bank
holding companies to issue and maintain minimum amounts of eligible LTD that satisfies certain requirements similar to those established
for GSIBs. The LTD NPR also proposed requiring minimum amounts of internal eligible LTD to be maintained by certain insured depository
institutions (&ldquo;<B>IDIs</B>&rdquo;) that are not consolidated subsidiaries of U.S. GSIBs and that have at least $100&nbsp;billion
in consolidated assets, for purposes of absorbing losses or recapitalizing the IDI. While we are not currently a Category II,
III, or IV bank holding company or subject to the eligible LTD requirements applicable to GSIBs, if final rules are adopted pursuant
to the LTD NPR, we may become subject to the requirements of such rules at that time or in the future.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 10pt; text-align: left"><FONT STYLE="font-size: 10pt">We intend
to qualify the Notes being offered hereby as eligible LTD for purposes of the Federal Reserve&rsquo;s total loss-absorbing capacity
rules as currently in effect and the final rules, if any, adopted pursuant to the LTD NPR. Because we do not and cannot know what
final rules, if any, will be adopted pursuant to the LTD NPR, it is possible that the Notes do not qualify as eligible LTD under
any final rule. As a result, we may need to issue further debt that is designed to qualify as eligible LTD in the future.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Because
we intend for the Notes to qualify as eligible LTD for purposes of the Federal Reserve&rsquo;s total loss-absorbing capacity rules,
payment of principal on the Notes may be accelerated only in the case of certain events of our bankruptcy or insolvency.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">An
active trading market for the Notes may not develop.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">The Notes
constitute a new issue of securities for which there is no existing trading market. We do not intend to apply for listing of the
Notes on any securities exchange or for quotation of the Notes in any automated dealer quotation system. We cannot provide you
with any assurance regarding whether a trading market for the Notes will develop, the ability of holders of the Notes to sell
their Notes or the prices at which holders may be able to sell their Notes. The underwriter has advised us that it intends to
make a secondary market in the Notes. The underwriter, however, is not obligated to do so, and any market-making with respect
to the Notes may be discontinued at any time without notice. There may be a limited number of buyers if you decide to sell your
Notes. This may affect the price you receive for your Notes or your ability to sell your Notes at all. Investors in the Notes
may not be able to sell the Notes at all or may not be able to sell the Notes at prices that will provide them with a yield comparable
to similar investments that have a developed secondary market, and may consequently suffer from increased pricing volatility and
market risk.</FONT></P>


<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">If
a trading market for the Notes develops, changes in the debt markets, among others, could adversely affect your ability to liquidate
your investment in the Notes and the market price of the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Many factors
could affect the trading market for, and the trading value of, the Notes. These factors include: the method of calculating the
principal, premium, if any, interest or other amounts payable, if any, on the Notes; the time remaining to the maturity of the
Notes; the ranking of the Notes; the redemption features of the Notes; the outstanding amount of subordinated notes with terms
similar or identical to the Notes offered hereby; the prevailing interest rates being paid by other companies similar to us; changes
in U.S. interest rates; whether the ratings on the Notes or us provided by any rating agency have changed; our financial condition,
financial performance and future prospects; the level, direction and volatility of market interest rates generally; general economic
conditions of the capital markets in the United States; and geopolitical conditions and other financial, political, regulatory,
and judicial events that affect the capital markets generally. The condition of the financial markets and prevailing interest
rates have fluctuated significantly in the past and are likely to fluctuate in the future. Such fluctuations could adversely affect
the trading market (if any) for, and the market price of, the Notes.</FONT></P>
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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">We
may redeem the Notes before maturity, and you may be unable to reinvest the proceeds at the same or a higher rate of return.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">We may redeem
all or a portion of the Notes as described in the section of this prospectus supplement entitled &ldquo;Description of the Notes&mdash;Redemption.&rdquo;
It is more likely we will redeem the Notes after&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;, 2031 if the interest rate on them is higher than that which would be
payable on one or more other forms of borrowing. If we redeem the Notes prior to their stated maturity date, holders of the Notes
may not be able to invest in other securities with a similar level of risk that yield as much interest as the Notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">The
amount of interest payable on the Notes will vary after &nbsp;&nbsp;&nbsp;&nbsp;, 2031.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">During the
fixed rate period, the Notes will bear interest at an initial rate of &nbsp;&nbsp;&nbsp;&nbsp;% per annum. Thereafter, the Notes will bear interest
at a floating rate per annum equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) plus&nbsp;&nbsp;&nbsp;  basis points,
subject to the provisions under &ldquo;Description of the Notes- Interest.&rdquo; The per annum interest rate that is determined
at the reference time for each interest period will apply to the entire quarterly interest period following such determination
date even if the Benchmark rate increases during that period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Floating rate
notes bear additional significant risks not associated with fixed rate debt securities. These risks include fluctuation of the
interest rates and the possibility that you will receive an amount of interest that is lower than expected. We have no control
over a number of matters, including, without limitation, economic, financial, and political events, that are important in determining
the existence, magnitude, and longevity of market volatility and other risks and their impact on the value of, or payments made
on, the Notes. In recent years, interest rates have been volatile, and that volatility may be expected in the future.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Our
published credit ratings may not reflect all risks of an investment in the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">The published
credit ratings of us or our indebtedness are an assessment by rating agencies of our ability to pay our debts when due. These
ratings are not recommendations to purchase, hold or sell the Notes, inasmuch as the ratings do not comment as to market price
or suitability for a particular investor, are limited in scope, and do not address all material risks relating to an investment
in the Notes, but rather reflect only the view of each rating agency at the time the rating is issued. The published credit ratings
assigned to the Notes may not reflect the potential impact of all risks related to structure and other factors on any trading
market for, or trading value of, the Notes.</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Accordingly,
you should consult your own financial and legal advisors as to the risks entailed by an investment in the Notes and the suitability
of investing in the Notes in light of your particular circumstances.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">A
downgrade of our credit ratings or the ratings of our subsidiaries or other financial institutions could have a material adverse
impact on us and the value of and market for the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Rating agencies
continuously evaluate us and our subsidiaries, and their ratings of our long-term and short-term debt are based on a number of
factors, including financial strength, as well as factors not entirely within our control, such as conditions affecting the financial
services industry generally. In light of these reviews and the continued focus on the financial services industry generally, we
and our subsidiaries may not be able to maintain our current credit ratings. Ratings downgrades by a rating agency could have
a significant and immediate impact on our funding and liquidity through cash obligations, reduced funding capacity and collateral
triggers. A reduction in our or our subsidiaries&rsquo; credit ratings could also increase our borrowing costs and limit access
to the capital markets. These changes could have a material adverse impact on the value of and market for the Notes.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Downgrades
in the credit or financial strength ratings assigned to the counterparties with whom we transact could create the perception that
our financial condition will be adversely impacted as a result of potential future defaults by such counterparties. Additionally,
we could be adversely affected by a general, negative perception of financial institutions caused by the downgrade of other financial
institutions. Accordingly, ratings downgrades for other financial institutions could affect the market price of our stock and
could limit our access to or increase our cost of capital. These changes could have a material adverse impact on the value of
and market for the Notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Investors
should not rely on indicative or historical data concerning SOFR or Three-Month Term SOFR.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">The interest
rate during the floating rate period will be determined using Three-Month Term SOFR (unless a Benchmark Transition Event and its
related Benchmark Replacement Date occur with respect to Three-Month Term SOFR, in which case the rate of interest will be based
on the next-available Benchmark Replacement, which is Compounded SOFR (as described under &ldquo;Description of the Notes&rdquo;)).
In the following discussion of SOFR, when we refer to the Notes, we mean the Notes at any time during the floating rate period
when the interest rate on the Notes is or will be determined based on SOFR, including Three-Month Term SOFR.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">SOFR is published
by the Federal Reserve Bank of New York (&ldquo;<B>FRBNY</B>&rdquo;) and is intended to be a broad measure of the cost of borrowing
cash overnight collateralized by U.S. Treasury securities. FRBNY reports that SOFR includes all trades in the Broad General Collateral
Rate, plus bilateral U.S. Treasury repurchase agreement (&ldquo;<B>repo</B>&rdquo;) transactions cleared through the delivery-versus-payment
service offered by the Fixed Income Clearing Corporation (the &ldquo;<B>FICC</B>&rdquo;), a subsidiary of DTC. SOFR is filtered
by FRBNY to remove a portion of the foregoing transactions considered to be &ldquo;specials.&rdquo; According to FRBNY, &ldquo;specials&rdquo;
are repos for specific-issue collateral that take place at cash-lending rates below those for general collateral repos because
cash providers are willing to accept a lesser return on their cash to obtain a particular security.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">FRBNY reports
that SOFR is calculated as a volume-weighted median of transaction-level tri-party repo data collected from The Bank of New York
Mellon, which currently acts as the clearing bank for the tri-party repo market, as well as General Collateral Finance Repo transaction
data and data on bilateral U.S. Treasury repo transactions cleared through the FICC&rsquo;s delivery-versus-payment service. FRBNY
states that it obtains information from DTCC Solutions LLC, an affiliate of DTC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">FRBNY currently
publishes SOFR daily on its website at https://www.newyorkfed.org/markets/reference-rates/sofr. FRBNY states on its publication
page for SOFR that use of SOFR is subject to important disclaimers, limitations and indemnification obligations, including that
FRBNY may alter the methods of calculation, publication schedule, rate revision practices or availability of SOFR at any time
without notice. The foregoing Internet website is an inactive textual reference only, meaning that the information contained on
the website is not part of this prospectus supplement or the accompanying prospectus or incorporated by reference herein or therein.</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">In 2021, the
Alternative Reference Rates Committee (the &ldquo;<B>ARRC</B>&rdquo;) convened by the Federal Reserve and FRBNY formally recommended
the use of the CME Group&rsquo;s computation of forward-looking SOFR term rates, which are calculated by the CME Group based on
SOFR futures. It is currently anticipated that Three-Month Term SOFR, for purposes of the Notes, will be based on the CME Group&rsquo;s
forward-looking SOFR term rates with a tenor of three months.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">FRBNY started
publishing SOFR in 2018. FRBNY has also started publishing historical indicative SOFRs dating back to 2014, although such historical
indicative data inherently involves assumptions, estimates and approximations. Similarly, certain historical Three-Month Term
SOFR data is available from the CME Group. Investors should not rely on any such historical data, indicative or otherwise, or
on any historical changes or trends in SOFR Three-Month Term SOFR as an indicator of the future performance of SOFR or Three-Month
Term SOFR.</FONT></P>
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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Term
SOFR and SOFR may be more volatile than other benchmark or market rates.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">Since the
initial publication of SOFR, daily changes in the rate have, on occasion, been more volatile than daily changes in comparable
benchmark or market rates, and Term SOFR and SOFR over time may bear little or no relation to the historical actual or historical
indicative data. In addition, the return on and value of the Notes may fluctuate more than floating rate securities that are linked
to less volatile rates.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Changes
in Term SOFR and SOFR could adversely affect holders of the Notes and the trading prices for the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">Because Term
SOFR and SOFR are based on data received from other sources, we have no control over its determination, calculation or publication.
There is no assurance that either Term SOFR or SOFR will not be discontinued or fundamentally altered in a manner that is materially
adverse to the interests of investors in the Notes. If the manner in which Term SOFR or SOFR are calculated is changed, that change
may result in a reduction in the amount of interest that accrues on the Notes during the floating rate period, which may adversely
affect the trading prices of the Notes. Further, if the Benchmark rate on the Notes during the floating rate period on any determination
date declines to zero or becomes negative, the Benchmark will be deemed to equal zero. In addition, once the Benchmark rate for
the Notes for each interest period during the floating rate period is determined by the calculation agent on the determination
date, interest on the Notes will accrue based on such Benchmark rate for the applicable interest period and will not be subject
to change during such interest period. There is no assurance that changes in Term SOFR or SOFR could not have a material adverse
effect on the yield on, value of and market for the Notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Any
Benchmark Replacement may not be the economic equivalent of Three-Month Term SOFR.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">Under the
benchmark transition provisions of the Notes, if the calculation agent determines that a Benchmark Transition Event and its related
Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR, then the floating interest rate on the Notes for
each interest period during the floating rate period will be determined using the next-available Benchmark Replacement (which
may include a related Benchmark Replacement Adjustment). However, the Benchmark Replacement may not be the economic equivalent
of Three-Month Term SOFR. For example, Compounded SOFR, the first-available Benchmark Replacement, is the compounded average of
the daily SOFR calculated in arrears, while Three-Month Term SOFR is intended to be a forward-looking rate with a tenor of three
months. In addition, very limited market precedent exists for securities that use Compounded SOFR as the rate basis, and the method
for calculating Compounded SOFR in those precedents varies. Further, the ISDA Fallback Rate (as defined under &ldquo;Description
of the Notes&rdquo;), which is another Benchmark Replacement, has not yet been established and may change over time.</FONT></P>


<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">The
implementation of Benchmark Replacement Conforming Changes could adversely affect holders of the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Under the
benchmark transition provisions of the Notes, if Three-Month Term SOFR has been discontinued or if a particular Benchmark Replacement
or Benchmark Replacement Adjustment cannot be determined, then the next-available Benchmark Replacement or Benchmark Replacement
Adjustment will apply. These replacement rates and adjustments may be selected or formulated by: (1) the Relevant Governmental
Body (such as the ARRC or FRBNY); (2) the International Swaps and Derivatives Association, Inc. (&ldquo;<B>ISDA</B>&rdquo;); or
(3) in certain circumstances, the calculation agent, which may be us. In addition, the benchmark transition provisions expressly
authorize the calculation agent (which may be us) to make certain changes, which are defined in the terms of the Notes as &ldquo;<B>Benchmark
Replacement Conforming Changes</B>,&rdquo; with respect to, among other things, the determination of interest periods, and the
timing and frequency of determining rates and making payments of interest. The application of a Benchmark Replacement and Benchmark
Replacement Adjustment, and any implementation of Benchmark Replacement Conforming Changes, could result in adverse consequences
to the amount of interest that accrues on the Notes during any interest period during the floating rate period, which could adversely
affect the yield on, value of and market for the Notes. Further, there is no assurance that the characteristics of any Benchmark
Replacement will be similar to the then-current Benchmark rate that it is replacing, or that any Benchmark Replacement will produce
the economic equivalent of the then-current Benchmark rate that it is replacing.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">Also, since
SOFR and Term SOFR are relatively new market indices, SOFR-linked debt securities may not have an established trading market when
issued, and an established trading market may never develop or may not be very liquid. Market terms for debt securities indexed
to SOFR or Term SOFR, such as the spread over the index reflected in interest rate provisions, may evolve over time, and trading
prices of the Notes may be lower than those of later-issued SOFR-linked debt securities as a result. Similarly, if Term SOFR or
SOFR does not prove to be widely used in securities similar to the Notes, the trading price of the Notes may be lower than those
of debt securities linked to such rates that are more widely used. Debt securities indexed to Term SOFR (as the Notes will be)
may not be able to be sold at all or may not be able to be sold at prices that will provide a yield comparable to similar investments
that have a developed secondary market, and may consequently suffer from increased pricing volatility and market risk.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><I>A change in the Benchmark
interest rate may be treated as a significant modification of the Notes for tax purposes, which could result in taxable gain or
loss to holders.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left"><FONT STYLE="font-size: 10pt">If a term
of the Notes, such as the interest rate, is altered such that the Notes are impacted to a degree that is economically significant,
the Notes will be treated as exchanged for the modified notes for federal tax purposes. A deemed exchange of the Notes could result
in gain or loss to holders. Thus, if the Benchmark interest rate is replaced with a rate other than the Three-Month Term SOFR,
such replacement could adversely affect holders of the Notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">We
anticipate being the initial calculation agent and may have economic interests adverse to the interests of the holders of the
Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">The calculation
agent will determine the interest rate during the Floating Rate Period. We anticipate being the initial calculation agent for
the Notes, and we cannot assure you that we will appoint an independent third-party calculation agent at any time. Any exercise
of discretion by us under the terms of the Notes, including, without limitation, any discretion exercised by us or by an affiliate
acting as calculation agent, could present a conflict of interest. In making the required determinations, decisions, and elections,
we or an affiliate of ours acting as calculation agent may have economic interests that are adverse to the interests of the holders
of the Notes, and those determinations, decisions, or elections could have a material adverse effect on the yield on, value of,
and market for the Notes. All determinations, decisions, or elections by us, or by us or an affiliate acting as calculation agent
under the terms of the Notes will be conclusive and binding absent manifest error.</FONT></P>


<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">The
use of the net proceeds from the sale of the Notes will be at the discretion of our management and could change depending on unforeseen
events or changes in current business conditions or our circumstances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">While our
current intention is to use the net proceeds from this offering for general corporate purposes, as discussed further under &ldquo;Use
of Proceeds&rdquo; below, our management will have broad discretion in the use of the net proceeds from the sale of the Notes.
The occurrence of any unforeseen events or change in business conditions could result in the application of the net proceeds of
the offering in a manner other than as described in this prospectus supplement.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_007"></A>Use
of Proceeds</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">We estimate
that the net proceeds from this offering will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; million, after deducting the underwriting discount and our
estimated offering expenses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; background-color: white"><FONT STYLE="font-size: 10pt">We
intend to use the net proceeds from this offering to repay $195&nbsp;million aggregate principal amount of our outstanding 2030
Notes, plus accrued interest, and for general corporate purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; background-color: white"><FONT STYLE="font-size: 10pt">The
2030 Notes currently bear interest at a floating rate per annum equal to the Three-Month Term SOFR, plus a spread of 230 basis
points for each quarterly interest period during the floating rate period of the 2030 Notes, currently payable quarterly in arrears
on March&nbsp;15, June 15, September&nbsp;15 and December 15 of each year. The 2030 Notes are scheduled to mature on March&nbsp;15,
2030. We may, at our option, beginning on March 15, 2025, and on any interest payment date thereafter redeem the 2030 Notes, in
whole or in part, at a redemption price equal to 100% of the principal amount of the 2030 Notes to be redeemed, plus accrued and
unpaid interest to, but excluding, the redemption date. This prospectus supplement does not constitute a notice of redemption
with respect to the 2030 Notes.</FONT></P>




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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_008"></A>Capitalization</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">The following table
sets forth our capitalization, on a consolidated basis, as of December 31, 2025, on an actual basis as of that date and as adjusted
to give effect to this offering, taking into account the expected net proceeds of such offering to us (after deducting the underwriting
discount and estimated offering expenses payable by us) and the expected use of proceeds of such offering, including the repayment
of the 2030 Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">You should
read this table in conjunction with the more detailed information, including our consolidated financial statements and related
notes, included and incorporated by reference in this prospectus supplement.</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD NOWRAP STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">As
    of December 31, 2025</FONT></TD><TD NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">(Dollars
    in thousands)</FONT></TD><TD NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">Actual</FONT></TD><TD NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">As
    adjusted</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 74%; text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Total Assets</FONT></TD><TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="width: 8%; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">32,118,400</FONT></TD><TD STYLE="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="width: 8%; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD><TD STYLE="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Borrowings</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">FHLB advances</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">250,000</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Senior and subordinated
    debt</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">367,637</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Notes offered hereby</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Other
    borrowings and interest-bearing liabilities</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">679,738</FONT></TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 25.95pt"><FONT STYLE="font-size: 10pt">Total Borrowings</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1,297,375</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Shareholders&rsquo; equity:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 17.3pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Preferred stock, no par value, 10,000,000
    shares authorized, Series A, 200,000 shares issued as of December 31, 2025, liquidation preference of $1,000 per share</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">192,878</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 17.3pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Common stock, $2.50 par value, 600,000,000
    shares authorized, 247,130,331 shares issued as of December 31, 2025</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">617,826</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Additional paid-in capital</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1,803,235</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Retained earnings</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2,024,618</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Accumulated other comprehensive
    loss</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(198,682</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Treasury
    stock, at cost, 67,235,204 shares in 2025</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(949,428</FONT></TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">)</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 25.95pt"><FONT STYLE="font-size: 10pt">Total
    Shareholders&rsquo; equity</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3,490,447</FONT></TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 25.95pt"><FONT STYLE="font-size: 10pt">Total
    Liabilities and Shareholders&rsquo; equity</FONT></TD><TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">32,118,400</FONT></TD><TD STYLE="text-align: left; padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right; border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD><TD STYLE="text-align: left; padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Capital Ratios:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Total Risk-Based Capital
    (to Risk-Weighted Assets)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">15.2</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Tier I Risk-Based Capital
    (to Risk-Weighted Assets)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">12.6</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Common Equity Tier 1
    (to Risk-Weighted Assets)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">11.8</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 8.65pt"><FONT STYLE="font-size: 10pt">Tier I Leverage Capital
    (to Average Assets)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">9.7</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_009"></A>Description
of the Notes</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><I>The
following summary of the Notes does not purport to be complete and is subject to and qualified in its entirety by reference to
the Indenture (as defined below) and the Notes. Unless otherwise specified, capitalized terms used in this summary but not defined
in this prospectus supplement have the meanings specified in the Indenture. The following description of the terms of the Indenture
and the Notes supplements and, to the extent inconsistent therewith, replaces and supersedes the description of the general terms
and provisions of the subordinated debt securities in the accompanying prospectus.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><I>You
should read the Indenture and the Notes because they, and not this description, define your rights as holders of the Notes. For
purposes of this section, references to &ldquo;Fulton Financial,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo; &ldquo;us&rdquo;
and &ldquo;our&rdquo; include only Fulton Financial Corporation and not any of its subsidiaries.</I></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">General</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes offered hereby will be issued under the Indenture.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes will be our general unsecured, subordinated obligations and will rank equally with all of our other unsecured, subordinated
obligations from time to time outstanding, including the Outstanding Notes. The Notes will rank junior to all of our existing
and future Senior Indebtedness (as defined below) to the extent and in the manner set forth in the Indenture. In addition, the
Notes will be effectively subordinated to all of our secured indebtedness to the extent of the value of the collateral securing
such indebtedness. The Notes will be structurally subordinated to all of the existing and future liabilities and obligations of
our subsidiaries, including the deposit liabilities and claims of other creditors of the Banks. See &ldquo;&mdash;Subordination.&rdquo;
The Notes will be obligations of Fulton Financial only and will not be obligations of, and will not be guaranteed by, any of our
subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes will mature on the Maturity Date, unless previously redeemed or otherwise accelerated. The Notes are not convertible into,
or exchangeable for, equity securities, other securities, or assets or property of the Company or its subsidiaries. There is no
sinking fund for the Notes. We intend for the Notes to qualify (subject to applicable limitations) as Tier 2 capital under applicable
capital regulations, guidance, and interpretations of the Federal Reserve. We do not intend to apply for the listing of the Notes
on any securities exchange or the quotation of the Notes on any quotation system. The Notes will be issued in minimum denominations
of $1,000 and integral multiples of $1,000 in excess thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Beginning
with the interest payment date of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, and on any date thereafter,
we may, at our option, subject to obtaining the prior approval of the Federal Reserve to the extent such approval is then required
under the rules of the Federal Reserve (or, as and if applicable, the rules of any successor appropriate bank regulatory agency
&ldquo;<B>Federal Reserve Approval</B>&rdquo;), redeem the Notes, in whole or in part, at a price equal to 100% of the principal
amount of the Notes to be redeemed plus any accrued and unpaid interest to, but excluding, the redemption date. The Notes may
not be redeemed by us prior to &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, except that we may, at our
option, subject to Federal Reserve Approval, redeem the Notes in whole, but not in part, prior to maturity, including prior to
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, upon the occurrence of a &ldquo;Tax Event&rdquo; or a &ldquo;Tier
2 Capital Event&rdquo; (as such terms are defined in the Indenture) or if we are required to register as an investment company
pursuant to the 1940 Act, in each case, at a price equal to 100% of the principal amount of the Notes to be redeemed plus any
accrued and unpaid interest to, but excluding, the redemption date. Any partial redemption will be made in accordance with the
applicable procedures of DTC. See &ldquo;&mdash;Redemption.&rdquo;</FONT></P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Further Issues</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Indenture does not limit the amount of Notes that we may issue from time to time in one or more series. The Indenture permits
us to increase the principal amount of the Notes by issuing additional Notes on the same terms and conditions as the Notes (except
for any differences in the issue price and interest accrued prior to the date of issuance of the additional Notes), and with the
same CUSIP number as the Notes, provided that the additional Notes are fungible with the Notes for United States federal income
tax purposes. The Notes and any additional Notes issued by the Company will rank equally and ratably and shall be treated as a
single series of securities for all purposes under the Fourth Supplemental Indenture.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Interest</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">From
and including the date of original issuance to, but excluding,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031
or the date of earlier redemption (the &ldquo;<B>fixed rate period</B>&rdquo;), the Notes will bear interest at a rate of&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%
per annum, payable semi-annually in arrears on&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;of
each year (each, a &ldquo;<B>fixed rate interest payment date</B>&rdquo;), commencing on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2026. The last fixed rate interest payment date for the fixed rate period will be &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2031.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">From
and including &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031 to, but excluding, the Maturity Date or the date
of earlier redemption (the &ldquo;<B>floating rate period</B>&rdquo;), the Notes will bear interest at a floating rate per annum
equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) plus a spread of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;basis
points. During the floating rate period, interest will be payable quarterly in arrears on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;of each year (each, a &ldquo;<B>floating rate interest payment date</B>&rdquo;
and, together with the fixed rate interest payment dates, the &ldquo;<B>interest payment dates</B>&rdquo;), commencing on&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2031. Notwithstanding the foregoing, if the Benchmark rate is less than zero, the Benchmark rate shall be deemed to be zero.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">For
the purpose of calculating interest on the Notes for each interest period during the floating rate period when the Benchmark is
Three-Month Term SOFR, &ldquo;<B>Three-Month Term SOFR</B>&rdquo; means the rate for Term SOFR for a tenor of three months that
is published by the Term SOFR Administrator at the Reference Time for any interest period, as determined by the calculation agent
after giving effect to the Three-Month Term SOFR Conventions. We will act as the initial calculation agent. All percentages used
in or resulting from any calculation of Three-Month Term SOFR will be rounded, if necessary, to the nearest one-hundred-thousandth
of a percentage point, with 0.000005% rounded up to 0.00001%.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
following definitions apply to the foregoing definition of Three-Month Term SOFR:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Benchmark</B>&rdquo;
means, initially, Three-Month Term SOFR; provided that if the calculation agent determines on or prior to the Reference Time that
a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR or
the then-current Benchmark, then &ldquo;Benchmark&rdquo; means the applicable Benchmark Replacement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>FRBNY&rsquo;s
Website</B>&rdquo; means the website of FRBNY at http://www.newyorkfed.org, or any successor source. The foregoing Internet website
is an inactive textual reference only, meaning that the information contained on the website is not part of this prospectus supplement
or the accompanying prospectus or incorporated by reference herein or therein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Reference
Time</B>&rdquo; with respect to any determination of the Benchmark means (a) if the Benchmark is Three-Month Term SOFR, the date
that is two U.S. Government Securities Business Days prior to the start of the relevant floating rate interest period, or such
other time determined by the calculation agent after giving effect to the Three-Month Term SOFR Conventions, and (b) if the Benchmark
is not Three-Month Term SOFR, the time determined by the calculation agent after giving effect to the Benchmark Replacement Conforming
Changes.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Relevant
Governmental Body</B>&rdquo; means the Federal Reserve and/or the FRBNY, or a committee officially endorsed or convened by the
Federal Reserve and/or the FRBNY or any successor thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>SOFR</B>&rdquo;
means the secured overnight financing rate published by the FRBNY, as the administrator of the Benchmark (or a successor administrator),
on the FRBNY&rsquo;s Website.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Term
SOFR</B>&rdquo; means the forward-looking term rate based on SOFR that has been selected or recommended by the Relevant Governmental
Body.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Term
SOFR Administrator</B>&rdquo; means CME Group Benchmark Administration Limited (CBA) (or a successor administrator of Three-Month
Term SOFR selected by the calculation agent in its reasonable discretion).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Three-Month
Term SOFR Conventions</B>&rdquo; means any determination, decision or election with respect to any technical, administrative or
operational matter (including with respect to the manner and timing of the publication of Three-Month Term SOFR, or changes to
the definition of &ldquo;interest period,&rdquo; timing and frequency of determining Three-Month Term SOFR with respect to each
interest period and making payments of interest, rounding of amounts or tenors, and other administrative matters) that the calculation
agent decides may be appropriate to reflect the use of Three-Month Term SOFR as the Benchmark in a manner substantially consistent
with market practice (or, if the calculation agent decides that adoption of any portion of such market practice is not administratively
feasible or if the calculation agent determines that no market practice for the use of Three-Month Term SOFR exists, in such other
manner as the calculation agent determines is reasonably necessary).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>U.S.
Government Securities Business Day</B>&rdquo; means any day except for a Saturday, Sunday or a day on which the Securities Industry
and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for
purposes of trading in U.S. government securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
terms &ldquo;Benchmark Replacement,&rdquo; &ldquo;Benchmark Replacement Conforming Changes,&rdquo; &ldquo;Benchmark Replacement
Date,&rdquo; &ldquo;Benchmark Transition Event&rdquo; and &ldquo;Corresponding Tenor&rdquo; have the meanings set forth below
under the heading &ldquo;&mdash;Effect of Benchmark Transition Event.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Notwithstanding
the foregoing paragraphs related to the determination of interest, if the calculation agent determines on or prior to the relevant
Reference Time that a Benchmark Transition Event and its related Benchmark Replacement Date (each as defined below) have occurred
with respect to Three-Month Term SOFR, then the provisions set forth below under the heading &ldquo;&mdash;Effect of Benchmark
Transition Event,&rdquo; which we refer to as the &ldquo;benchmark transition provisions,&rdquo; will thereafter apply to all
determinations of the interest rate on the Notes for each interest period during the floating rate period. In accordance with
the benchmark transition provisions, after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred,
the interest rate on the Notes for each interest period during the floating rate period will be an annual rate equal to the Benchmark
Replacement plus &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;basis points.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Absent
manifest error, the calculation agent&rsquo;s determination of the interest rate for an interest period for the Notes will be
binding and conclusive on you, the trustee and us. The calculation agent&rsquo;s determination of any interest rate, and its calculation
of interest payments for any period, will be maintained on file at the calculation agent&rsquo;s principal offices, will be made
available to any holder of the Notes upon request and will be provided to the trustee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Interest
shall be calculated on the basis of a 360-day year consisting of twelve 30-day months during the fixed rate period and on the
basis of a 360-day year and the actual number of days elapsed during the floating rate period. Dollar amounts resulting from that
calculation will be rounded to the nearest cent, with one-half cent being rounded upward.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Interest
on the Notes, subject to certain exceptions, will accrue during the applicable interest period. When we use the term &ldquo;interest
period,&rdquo; we mean the period from and including the immediately preceding interest payment date in respect of which interest
has been paid or duly provided for or, if no interest has been paid or duly provided for, from and including the date of issuance
of the Notes to, but excluding, the applicable interest payment date or the Maturity Date or date of earlier redemption, if applicable.
If a fixed rate interest payment date or the Maturity Date falls on a day that is not a business day, then the interest payment
or the payment of principal and interest at maturity will be paid on the next succeeding business day, but the payments made on
such dates will be treated as being made on the date that the payment was first due and the holders of the Notes will not be entitled
to any further interest or other payments. If a floating rate interest payment date falls on a day that is not a business day,
then such floating rate interest payment date will be postponed to the next succeeding business day unless such day falls in the
next succeeding calendar month, in which case such floating rate interest payment date will be accelerated to the immediately
preceding business day, and, in each such case, the amounts payable on such business day will include interest accrued to, but
excluding, such business day.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Interest
on each Note will be payable to the person in whose name such Note is registered on the fifteenth day immediately preceding the
applicable interest payment date, whether or not such day is a business day. Any interest which is payable, but is not punctually
paid or duly provided for, on any interest payment date shall cease to be payable to the holder on the relevant record date by
virtue of having been a holder on such date, and such defaulted interest may be paid by us to the person in whose name the Notes
are registered at the close of business on a special record date for the payment of defaulted interest, or in any other lawful
manner not inconsistent with the requirements of any securities exchange on which the Notes may be listed. However, interest that
is paid on the Maturity Date will be paid to the person to whom the principal will be payable. Interest will be payable by wire
transfer in immediately available funds in U.S. dollars at the office of the principal paying agent or, at our option in the event
the Notes are not represented by global notes, by check mailed to the address of the person specified for payment in the preceding
sentences.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">If
the then-current Benchmark is Three-Month Term SOFR, the calculation agent will have the right to establish the Three-Month Term
SOFR Conventions, and if any of the foregoing provisions concerning the calculation of the interest rate and interest payments
during the floating rate period are inconsistent with any of the Three-Month Term SOFR Conventions determined by the calculation
agent, then the relevant Three-Month Term SOFR Conventions will apply. Furthermore, if the calculation agent determines that a
Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR at any
time when any of the Notes are outstanding, then the foregoing provisions concerning the calculation of the interest rate and
interest payments during the floating rate period will be modified in accordance with the benchmark transition provisions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Business
day</B>&rdquo; means (i) each Monday, Tuesday, Wednesday, Thursday and Friday which is not a day on which it is a U.S. federal
holiday or any day on which banking institutions in New York are authorized or obligated by law or executive order to close or
(ii) a day on which the corporate trust office of the trustee is not closed for business; provided, that, when used in connection
with an amount that bears interest at a rate based on SOFR or Term SOFR or any direct or indirect calculation or determination
of SOFR or Term SOFR, the term &ldquo;business day&rdquo; means any such day that is also a U.S. Government Securities Business
Day.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 10pt"><FONT STYLE="font-size: 10pt">Ranking</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes are our general unsecured, subordinated obligations and are:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">junior
                                         in right of payment to any of our existing and future Senior Indebtedness;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">equal
                                         in right of payment with any of our existing and future subordinated indebtedness, including
                                         the Outstanding Notes;</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">effectively
                                         subordinated to all of our secured indebtedness to the extent of the value of the collateral
                                         securing such indebtedness; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">structurally
                                         subordinated to any existing and future liabilities and obligations of our subsidiaries,
                                         including the deposit liabilities and claims of other creditors of the Banks.</FONT></TD></TR></TABLE>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Subordination</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes are junior in right of payment to the prior payment in full of all our Senior Indebtedness. This means that, under certain
circumstances where we may not be making payments on all of our debt obligations as they become due, the holders of all of our
Senior Indebtedness, if any, will be entitled to receive payment in full of all amounts that are due or will become due on their
debt securities before the holders of the Notes will be entitled to receive any amounts under the Notes. These circumstances include
when we make a payment or distribute assets to creditors upon our liquidation or dissolution or in a bankruptcy, reorganization,
insolvency, receivership or similar proceeding related to the Company or its property.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">These
subordination provisions mean that if we are insolvent, a direct holder of a specific amount of our Senior Indebtedness may ultimately
receive more of our assets than a direct holder of the same amount of Notes, and our creditor that is owed a specific amount may
ultimately receive more of our assets than a direct holder of the same amount of Notes. The Indenture does not limit our ability
to incur Senior Indebtedness or general obligations, including indebtedness ranking equally with the Notes or secured debt.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Holders
of the Notes may not accelerate the maturity of the Notes, except upon an event of default. See &ldquo;&mdash;Events of Default&rdquo;
below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Indenture provides that, unless all principal of and any premium or interest on Senior Indebtedness has been paid in full, no
payment or other distribution may be made in respect of any Notes under the following circumstances:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         the event of any insolvency or bankruptcy proceedings, or any receivership, liquidation,
                                         reorganization, dissolution, winding up, assignment for the benefit of creditors or other
                                         similar proceedings or events involving us or our assets;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         the event and during the continuation of any default in the payment of principal of (or
                                         premium, if any) or interest on any Senior Indebtedness beyond any applicable grace period
                                         with respect thereto, or in the event any judicial proceeding shall be pending with respect
                                         to any such default; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         the event that any Notes have been declared due and payable before their stated maturity.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">If
the trustee or any holders of Notes receive any payment or distribution that is prohibited under the subordination provisions,
and if this fact is made known to the trustee or holders at or prior to the time of such payment or distribution, then the trustee
or the holders will have to pay over that money to us.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Further,
in the event of any insolvency or bankruptcy proceedings, or any receivership, liquidation, reorganization, assignment for the
benefit of creditors or other similar proceedings or events involving us or our assets, any creditors in respect of general obligations
will be entitled to receive payment in full of all amounts due or to become due on or in respect of such general obligations,
before any amount is made available for payment or distribution to the holders of the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Even
if the subordination provisions prevent us from making any payment when due on the Notes, we will be in default on our obligations
under the Notes if we do not make the payment when due. This means that the trustee and the holders of Notes can take action against
us, but they will not receive any money until the claims of the holders of Senior Indebtedness have been fully satisfied.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Indenture allows the holders of Senior Indebtedness to obtain a court order requiring us and any holder of Notes to comply with
the subordination provisions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Senior
Indebtedness</B>&rdquo; means the principal of (and premium, if any) and interest, if any on:&#9;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">our
                                         indebtedness for purchased or borrowed money, whether or not evidenced by securities,
                                         notes, debentures, bonds or other similar instruments issued by us, including obligations
                                         incurred in connection with the acquisition of property, assets or businesses;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">our
                                         capital lease obligations;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">our obligations issued or
assumed as the deferred purchase price of property, our conditional sale obligations and our obligations under any conditional
sale or title retention agreement, but excluding trade accounts payable in the ordinary course of business;</FONT></TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">our obligations arising from
off-balance sheet guarantees and direct credit substitutes, including obligations in respect of any letters of credit, bankers&rsquo;
acceptance, security purchase facilities and similar credit transactions;</FONT></TD>
</TR></TABLE>



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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">our obligations associated
with derivative products, including obligations in respect of interest rate swap, cap or other agreements, interest rate future
or options contracts, currency swap agreements, currency future or option contracts and other similar agreements;</FONT></TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">any of the above listed obligations
of other persons the payment of which we are responsible or liable for, either directly or indirectly, as obligor, guarantor or
otherwise;</FONT></TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">any of the above listed obligations
of other persons secured by any lien on any of our property or assets whether or not we assume that obligation; and</FONT></TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">any
                                         deferrals, renewals or extensions of any of the above listed obligations.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">However,
Senior Indebtedness does not include:</FONT></P>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         Notes;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">trade
                                         accounts payable arising in the ordinary course of business; and</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">any
                                         indebtedness that by its terms is subordinated to, or ranks on an equal basis with, the
                                         Notes, including the Outstanding Notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
are a financial holding company and substantially all of our assets are held by our direct and indirect subsidiaries. We rely
on dividends and other payments or distributions from our subsidiaries to pay the interest on our debt obligations (such as the
Notes offered hereby), which interest expense was $18.4 million and $20.3 million for the years ended December 31, 2025 and 2024,
respectively (holding company only). Federal and state bank regulations impose certain restrictions on the ability of our bank
subsidiaries to pay dividends directly or indirectly to us, to make any extensions of credit to us or certain of our affiliates
and to invest in our stock or securities. These regulations also prevent us from borrowing from our bank subsidiaries unless the
loans are secured by collateral. Accordingly, we may not have access to sufficient cash to make payments on the Notes. See &ldquo;Risk
Factors&rdquo; in this prospectus supplement and the accompanying prospectus and Item &ldquo;1A. Risk Factors&rdquo; in our Annual
Report on Form 10-K for the fiscal year ended December 31, 2025.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Because
we are a holding company, our right and the rights of our creditors, including holders of the Notes, to participate in any distribution
of assets of any of our subsidiaries upon their liquidation, reorganization, dissolution, winding up or otherwise would be subject to
the prior claims of creditors of that subsidiary (except to the extent that we are a creditor with a recognized claim). In the event
of any such distribution of assets of our bank subsidiaries due in part to their status as insured depository institutions, the claims
of depositors and other general or subordinated creditors of such bank subsidiaries would be entitled to priority over claims of shareholders
of our bank subsidiaries, including us as their parent holding company and any creditor of ours, such as olders of the Notes. As of December
31, 2025, on a consolidated basis, we had no outstanding Senior Indebtedness and had $367.7 million of indebtedness that would rank <I>pari
passu</I> to the Notes. As of December 31, 2025, our subsidiaries had $28.2 billion of liabilities to which the Notes will be
structurally subordinated.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 10pt"><FONT STYLE="font-size: 10pt">No Additional Amounts</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">In
the event that any payment on the Notes is subject to withholding of any U.S. federal income tax or other tax or assessment (as
a result of a change in law or otherwise), we will not pay additional amounts with respect to such tax or assessment. For a discussion
relating to certain U.S. federal income tax consequences of the ownership and disposition of the Notes, see &ldquo;U.S. Federal
Income Tax Considerations.&rdquo;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0"><FONT STYLE="font-size: 10pt">Redemption</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
may, at our option, beginning with the interest payment date of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2031, but not prior thereto (except upon the occurrence of certain events specified below), and on any date thereafter, redeem
the Notes, in whole or in part, from time to time, subject to obtaining Federal Reserve Approval, at a price equal to 100% of
the principal amount of the Notes being redeemed plus accrued and unpaid interest to, but excluding, the date of redemption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes may not otherwise be redeemed prior to the Maturity Date, except that we may also, at our option, redeem the Notes, in whole,
but not in part, subject to obtaining Federal Reserve Approval, at a redemption price equal to 100% of the principal amount of
the Notes being redeemed plus accrued and unpaid interest to, but excluding, the date of redemption, at any time, including before
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2031, upon the occurrence of:</FONT></P>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         &ldquo;<B>Tax Event</B>,&rdquo; defined in the Indenture to mean the receipt by us of
                                         an opinion of independent tax counsel to the effect that as a result of (a) an amendment
                                         to or change (including any announced prospective amendment or change) in any law or
                                         treaty, or any regulation thereunder, of the United States or any of its political subdivisions
                                         or taxing authorities; (b) a judicial decision, administrative action, official administrative
                                         pronouncement, ruling, regulatory procedure, regulation, notice or announcement, including
                                         any notice or announcement of intent to adopt or promulgate any ruling, regulatory procedure
                                         or regulation (any of the foregoing, an &ldquo;<I>administrative or judicial action</I>&rdquo;);
                                         or (c) an amendment to or change in any official position with respect to, or any interpretation
                                         of, an administrative or judicial action or a law or regulation of the United States
                                         that differs from the previously generally accepted position or interpretation, in each
                                         case, which change or amendment or challenge becomes effective or which pronouncement,
                                         decision or challenge is announced on or after the original issue date of the Notes,
                                         there is more than an insubstantial risk that interest payable by us on the Notes is
                                         not, or, within 90 days of the date of such opinion, will not be, deductible by us, in
                                         whole or in part, for United States federal income tax purposes;</FONT></TD></TR></TABLE>
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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         &ldquo;<B>Tier 2 Capital Event</B>,&rdquo; defined in the Indenture to mean our good
                                         faith determination that, as a result of (a) any amendment to, or change in, the laws,
                                         rules or regulations of the United States (including, for the avoidance of doubt, any
                                         agency or instrumentality of the United States, including the Federal Reserve and other
                                         federal bank regulatory agencies) or any political subdivision of or in the United States
                                         that is enacted or becomes effective after the original issue date of the Notes; (b)
                                         any proposed change in those laws, rules or regulations that is announced or becomes
                                         effective after the original issue date of the Notes; or (c) any official administrative
                                         decision or judicial decision or administrative action or other official pronouncement
                                         interpreting or applying those laws, rules, regulations, policies or guidelines with
                                         respect thereto that is announced after the original issue date of the Notes, there is
                                         more than an insubstantial risk that we will not be entitled to treat the Notes then
                                         outstanding as &ldquo;Tier 2 Capital&rdquo; (or its equivalent) for purposes of the capital
                                         adequacy rules or regulations of the Federal Reserve (or, as and if applicable, the capital
                                         adequacy rules or regulations of any successor appropriate federal banking agency) as
                                         then in effect and applicable to us, for so long as any Notes are outstanding; or</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Company becoming required to register as an investment company pursuant to the 1940 Act.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">In
the event of any redemption of the Notes, we will deliver or cause to be delivered a notice of redemption (which notice may be
conditional in our discretion on one or more conditions precedent, and the redemption date may be delayed until such time as any
or all of such conditions have been satisfied or revoked by us if we determine that such conditions will not be satisfied) to
each holder of Notes (with a copy to the trustee) not less than 10 nor more than 45 days prior to the redemption date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Any
partial redemption will be made in accordance with DTC&rsquo;s applicable procedures among all of the holders of the Notes. If
any Note is to be redeemed in part only, the notice of redemption relating to such Note shall state that it is a partial redemption
and the portion of the principal amount thereof to be redeemed. The Notes are not subject to redemption or prepayment at the option
of the holders.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Events of Default</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
only &ldquo;events of default&rdquo; with respect to the Notes under the Indenture are certain events related to our bankruptcy
or insolvency, whether voluntary or involuntary, or certain events related to the insolvency of the Banks, which represents 50%
or more of our consolidated assets or any subsidiary of ours in the future which represents 50% or more of our consolidated assets.
If an event of default with respect to the Notes occurs and is continuing, the principal amount of all of the Notes shall become
and be immediately due and payable without any declaration or other action on the part of the trustee or any holder of the Notes.
If an event of default with respect to the Notes occurs and is continuing, the trustee may enforce its rights and the rights of
the holders of the Notes by any judicial proceedings that the trustee deems to be most effectual to do so.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
maturity of the Notes may only be accelerated upon the occurrence of an event of default described above. There is no right of
acceleration of the payment of principal of the Notes upon a &ldquo;default&rdquo; in the payment of principal of or interest
on the Notes or in the performance of any of our covenants or agreements contained in the Notes, in the Indenture or any of our
other obligations or liabilities, including the events described as a &ldquo;default&rdquo; below. For purposes of the Notes,
&ldquo;<B>default</B>&rdquo; means (i) a default in the payment of principal of the Notes when due, whether at maturity, by acceleration
of maturity or otherwise; and (ii) a default in the payment of interest on the Notes when due, which continues for 30 days. If
a default in the payment of principal of or interest on the Notes occurs and is continuing under the Indenture, the trustee and
holders of the Notes will have a right to institute suit directly against us for the collection of such overdue payment. Other
than upon a default in the payment of principal of or interest on the Notes, the holders of the Notes will have limited rights
to institute proceedings to enforce the terms of the Indenture.</FONT></P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Modification</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">From
time to time, we, together with the trustee, may, without the consent of the holders of Notes, amend the Indenture for one or
more of the following purposes:</FONT></P>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         provide for the assumption by a successor corporation of our obligations under the Indenture;</FONT></TD></TR></TABLE>

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<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         add to our covenants and the default provisions for the benefit of the holders of Notes
                                         or to surrender any right or power conferred upon us by the Indenture;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         permit or facilitate the issuance of Notes in bearer form or in uncertificated form;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         cure ambiguities, defects or inconsistencies, so long as the amendment does not adversely
                                         affect the interests of the holders of Notes in any material respect as determined in
                                         good faith by us;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         appoint a successor trustee with respect to the Notes;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         establish the form or terms of a series of Notes;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         make any change to the Indenture that neither applies to any Note of any series created
                                         prior to the execution of such supplemental indenture and entitled to the benefit of
                                         such provision nor modifies the rights of any Note holder with respect to such provision;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         add a guarantor with respect to the Notes; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">to
                                         secure the Notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Indenture permits us and the trustee, with the consent of the holders of a&nbsp;sixty-six&nbsp;and&nbsp;two-thirds&nbsp;percent
in aggregate principal amount of each series of the outstanding Notes affected thereby, to modify the Indenture in a manner affecting
the rights of the holders of the Notes of such series; <I>provided</I> that no modification may, without the consent of the holders
of each outstanding note affected:</FONT></P>

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<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">change
                                         the maturity of the principal of any Note or the timing of an interest payment on a Note;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">reduce
                                         the principal amount or the rate of interest of any Note;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">reduce
                                         the amount of the principal of any Note which would be due and payable upon a declaration
                                         of acceleration;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">change
                                         the place of payment where, or the coin or currency in which, any subordinated note principal
                                         or interest is payable;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">modify
                                         the provisions of the Indenture with respect to the subordination of the Notes in a manner
                                         adverse to the holders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">impair
                                         the right to institute suit for the enforcement of any such due and payable obligation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">reduce
                                         the percentage of any series, the consent of whose holders is required for any such supplemental
                                         indenture, or the consent of whose holders is required for any waiver provided for in
                                         the Indenture; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">modify
                                         such provisions with respect to modification or waiver.</FONT></TD></TR></TABLE>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Consolidation, Merger,
Sale of Assets and Other Transactions</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
will not consolidate with or merge into any other person or convey, transfer or lease all or substantially all of our properties
and assets to any person, unless:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">if
                                         we are the surviving person or if we consolidate with or merge into another person or
                                         sell, convey, transfer or lease substantially all of our properties and assets to any
                                         person, the successor is a corporation, partnership, limited liability company or trust
                                         organized under the laws of the United States of America or any state or the District
                                         of Columbia, and, if we are not the surviving person, the successor expressly assumes
                                         our obligations relating to the Notes and the Indenture;</FONT></TD></TR></TABLE>

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<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">immediately
                                         after giving effect to the transaction, no &ldquo;event of default&rdquo; and no event
                                         which, after notice or lapse of time or both, would become an &ldquo;event of default&rdquo;
                                         shall have occurred and be continuing; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">certain
                                         other conditions described in the Indenture are met.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
general provisions of the Indenture do not limit the rights of Fulton Financial to enter into transactions, such as a highly leveraged
transaction, that may adversely affect the holders of the Notes.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 10pt"><FONT STYLE="font-size: 10pt">Satisfaction and Discharge</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Indenture provides that when, among other things, all Notes not previously delivered to the trustee for cancellation:</FONT></P>

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<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">have
                                         become due and payable,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">will
                                         become due and payable at their stated maturity within one year, or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">are
                                         to be called for redemption within one year under arrangements satisfactory to the trustee
                                         for the giving of notice of redemption by the trustee,</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.25in; text-align: left"><FONT STYLE="font-size: 10pt">and
we irrevocably deposit or cause to be deposited with the trustee as trust funds in trust for such purpose money in an amount sufficient
to pay and discharge the entire indebtedness on the Notes not previously delivered to the trustee for cancellation, for the principal
and any premium and interest to the date of such deposit (in the case of Notes which have become due and payable) or to the Maturity
Date or the date of redemption, as the case may be;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">then,
upon our request, the Indenture will cease to be of further effect, and we will be deemed to have satisfied and discharged the
Indenture with respect to the Notes. However, we will continue to be obligated to pay all other sums due under the Indenture and
to provide the officers&rsquo; certificates and opinions of counsel described in the Indenture.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 10pt"><FONT STYLE="font-size: 10pt">Defeasance</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
may at any time terminate all of our obligations under the Notes, except for certain obligations, including those respecting the
defeasance trust. Our obligations will be deemed to have been discharged if the following applicable conditions have been satisfied:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">we
                                         have irrevocably deposited in trust with the trustee or the defeasance agent, if any,
                                         money or U.S. government obligations for the payment of principal and interest on the
                                         Notes to maturity;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">if
                                         the Notes are then listed on any securities exchange, we have delivered to the trustee
                                         or defeasance agent an officers&rsquo; certificate to the effect that our defeasance
                                         will not cause the Notes to be delisted from such exchange;</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">such
                                         defeasance will not result in a breach or violation, or constitute a default under, any
                                         material agreement or instrument to which we are a party;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">we
                                         have delivered to the trustee and the defeasance agent, if any, an opinion of counsel
                                         to the effect that holders of the Notes will not recognize gain or loss for United States
                                         federal income tax purposes as a result of such defeasance and will be subject to United
                                         States federal income tax on the same amount and in the same manner and at the same times
                                         as would have been the case if such defeasance had not occurred;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">no
                                         event or condition exists that would prevent us from making payments of the principal
                                         of or interest on the Notes on the date we deposit funds or any time during the 90 days
                                         thereafter; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">certain
                                         other conditions set forth in the Indenture.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Any
defeasance of the Notes pursuant to the Indenture shall be subject to our obtaining the prior approval of the Federal Reserve
and any additional requirements that the Federal Reserve may impose with respect to defeasance of the Notes. Notwithstanding the
foregoing, if, due to a change in law, regulation or policy subsequent to the issue date of the Notes the Federal Reserve does
not require that defeasance of instruments be subject to Federal Reserve approval in order for the instrument to be accorded Tier
2 capital treatment, then no such approval of the Federal Reserve will be required for such defeasance.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Effect of Benchmark
Transition Event</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><U>Benchmark
Replacement</U>. If the calculation agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date
have occurred on or prior to the Reference Time in respect of any determination of the Benchmark on any date, then the Benchmark
Replacement will replace the then-current Benchmark for all purposes relating to the Notes during the floating rate period in
respect of such determination on such date and all determinations on all subsequent dates.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><U>Benchmark
Replacement Conforming Changes</U>. In connection with the implementation of a Benchmark Replacement, the calculation agent will
have the right to make Benchmark Replacement Conforming Changes from time to time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><U>Certain
Defined Terms</U>. As used herein:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Benchmark
Replacement</B>&rdquo; means the Interpolated Benchmark with respect to the then-current Benchmark, plus the Benchmark Replacement
Adjustment for such Benchmark; provided that if (a) the calculation agent cannot determine the Interpolated Benchmark as of the
Benchmark Replacement Date or (b) the then-current Benchmark is Three-Month Term SOFR and a Benchmark Transition Event and its
related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR (in which event no Interpolated Benchmark
with respect to Three-Month Term SOFR shall be determined), then &ldquo;Benchmark Replacement&rdquo; means the first alternative
set forth in the order below that can be determined by the calculation agent as of the Benchmark Replacement Date:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Compounded
                                         SOFR;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         sum of: (a) the alternate rate that has been selected or recommended by the Relevant
                                         Governmental Body as the replacement for the then-current Benchmark for the applicable
                                         Corresponding Tenor and (b) the Benchmark Replacement Adjustment;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(3)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         sum of: (a) the ISDA Fallback Rate and (b) the Benchmark Replacement Adjustment;</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(4)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         sum of: (a) the alternate rate that has been selected by the calculation agent as the
                                         replacement for the then-current Benchmark for the applicable Corresponding Tenor, giving
                                         due consideration to any industry-accepted rate as a replacement for the then-current
                                         Benchmark for U.S. dollar-denominated floating rate securities at such time, and (b)
                                         the Benchmark Replacement Adjustment.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Benchmark
Replacement Adjustment</B>&rdquo; means the first alternative set forth in the order below that can be determined by the calculation
agent as of the Benchmark Replacement Date:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         spread adjustment, or method for calculating or determining such spread adjustment (which
                                         may be a positive or negative value or zero), that has been selected or recommended by
                                         the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">if
                                         the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate,
                                         then the ISDA Fallback Adjustment; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(3)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         spread adjustment (which may be a positive or negative value or zero) that has been selected
                                         by the calculation agent giving due consideration to any industry-accepted spread adjustment
                                         or method for calculating or determining such spread adjustment, for the replacement
                                         of the then-current Benchmark with the applicable Unadjusted Benchmark Replacement for
                                         U.S. dollar-denominated floating rate securities at such time.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Benchmark
Replacement Conforming Changes</B>&rdquo; means, with respect to any Benchmark Replacement, any technical, administrative or operational
changes (including changes to the definition of &ldquo;interest period,&rdquo; timing and frequency of determining rates with
respect to each interest period and making payments of interest, rounding of amounts or tenors, and other administrative matters)
that the calculation agent decides may be appropriate to reflect the adoption of such Benchmark Replacement in a manner substantially
consistent with market practice (or, if the calculation agent decides that adoption of any portion of such market practice is
not administratively feasible or if the calculation agent determines that no market practice for use of the Benchmark Replacement
exists, in such other manner as the calculation agent determines is reasonably necessary).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Benchmark
Replacement Date</B>&rdquo; means the earliest to occur of the following events with respect to the then-current Benchmark:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">in
                                         the case of clause (1) of the definition of &ldquo;Benchmark Transition Event,&rdquo;
                                         the relevant Reference Time in respect of any determination;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">in
                                         the case of clause (2) or (3) of the definition of &ldquo;Benchmark Transition Event,&rdquo;
                                         the later of (a) the date of the public statement or publication of information referenced
                                         therein and (b) the date on which the administrator of the Benchmark permanently or indefinitely
                                         ceases to provide the Benchmark; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(3)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">in
                                         the case of clause (4) of the definition of &ldquo;Benchmark Transition Event,&rdquo;
                                         the date of the public statement or publication of information referenced therein.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">For
the avoidance of doubt, for purposes of the definitions of Benchmark Replacement Date and Benchmark Transition Event, references
to the Benchmark also include any reference rate underlying the Benchmark (for example, if the Benchmark becomes Compounded SOFR,
references to the Benchmark would include SOFR).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">For
the avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than,
the Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the
Reference Time for such determination.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Benchmark
Transition Event</B>&rdquo; means the occurrence of one or more of the following events with respect to the then-current Benchmark:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">if
                                         the Benchmark is Three-Month Term SOFR, (a) the Relevant Governmental Body has not selected
                                         or recommended a forward-looking term rate for a tenor of three months based on SOFR,
                                         (b) the development of a forward-looking term rate for a tenor of three months based
                                         on SOFR that has been recommended or selected by the Relevant Governmental Body is not
                                         complete or (c) we determine that the use of a forward-looking rate for a tenor of three
                                         months based on SOFR is not administratively feasible;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">a
                                         public statement or publication of information by or on behalf of the administrator of
                                         the Benchmark announcing that such administrator has ceased or will cease to provide
                                         the Benchmark, permanently or indefinitely, provided that, at the time of such statement
                                         or publication, there is no successor administrator that will continue to provide the
                                         Benchmark;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(3)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">a
                                         public statement or publication of information by the regulatory supervisor for the administrator
                                         of the Benchmark, the central bank for the currency of the Benchmark, an insolvency official
                                         with jurisdiction over the administrator for the Benchmark, a resolution authority with
                                         jurisdiction over the administrator for the Benchmark or a court or an entity with similar
                                         insolvency or resolution authority over the administrator for the Benchmark, which states
                                         that the administrator of the Benchmark has ceased or will cease to provide the Benchmark
                                         permanently or indefinitely, provided that, at the time of such statement or publication,
                                         there is no successor administrator that will continue to provide the Benchmark; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(4)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">a
                                         public statement or publication of information by the regulatory supervisor for the administrator
                                         of the Benchmark announcing that the Benchmark is no longer representative.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Compounded
SOFR</B>&rdquo; means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for
this rate, and conventions for this rate being established by the calculation agent in accordance with:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">the
                                         rate, or methodology for this rate, and conventions for this rate selected or recommended
                                         by the Relevant Governmental Body for determining compounded SOFR; <I>provided</I> that:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if,
                                         and to the extent that, the calculation agent determines that Compounded SOFR cannot
                                         be determined in accordance with clause (1) above, then the rate, or methodology for
                                         this rate, and conventions for this rate that have been selected by the calculation agent
                                         giving due consideration to any industry-accepted market practice for U.S. dollar-denominated
                                         floating rate securities at such time.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">For
the avoidance of doubt, the calculation of Compounded SOFR shall exclude the Benchmark Replacement Adjustment (if applicable)
and the spread of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;basis points per annum.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Corresponding
Tenor</B>&rdquo; with respect to a Benchmark Replacement means a tenor (including overnight) having approximately the same length
(disregarding business day adjustment) as the applicable tenor for the then-current Benchmark.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Interpolated
Benchmark</B>&rdquo; with respect to the Benchmark means the rate determined for the Corresponding Tenor by interpolating on a
linear basis between: (1) the Benchmark for the longest period (for which the Benchmark is available) that is shorter than the
Corresponding Tenor, and (2) the Benchmark for the shortest period (for which the Benchmark is available) that is longer than
the Corresponding Tenor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>ISDA</B>&rdquo;
means the International Swaps and Derivatives Association, Inc. or any successor.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>ISDA
Definitions</B>&rdquo; means the 2006 ISDA Definitions published by ISDA, as amended or supplemented from time to time, or any
successor definitional booklet for interest rate derivatives published from time to time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>ISDA
Fallback Adjustment</B>&rdquo; means the spread adjustment (which may be a positive or negative value or zero) that would apply
for derivatives transactions referencing the ISDA Definitions to be determined upon the occurrence of an index cessation event
with respect to the Benchmark for the applicable tenor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>ISDA
Fallback Rate</B>&rdquo; means the rate that would apply for derivatives transactions referencing the ISDA Definitions to be effective
upon the occurrence of an index cessation date with respect to the Benchmark for the applicable tenor excluding the applicable
ISDA Fallback Adjustment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&ldquo;<B>Unadjusted
Benchmark Replacement</B>&rdquo; means the Benchmark Replacement excluding the Benchmark Replacement Adjustment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
terms &ldquo;FRBNY&rsquo;s Website,&rdquo; &ldquo;Reference Time,&rdquo; &ldquo;Relevant Governmental Body,&rdquo; &ldquo;SOFR&rdquo;
and &ldquo;Term SOFR&rdquo; have the meanings set forth above under the heading &ldquo;&mdash;Interest.&rdquo;</FONT></P>

<P STYLE="text-align: left; font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Determinations and
Decisions</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
calculation agent is expressly authorized to make certain determinations, decisions and elections under the terms of the Notes,
including with respect to the use of Three-Month Term SOFR as the Benchmark for the floating rate period and under the benchmark
transition provisions. Any determination, decision or election that may be made by the calculation agent under the terms of the
Notes, including any determination with respect to a tenor, rate or adjustment or of the occurrence or non-occurrence of an event,
circumstance or date and any decision to take or refrain from taking any action or any selection:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">will
                                         be conclusive and binding on the holders of the Notes and the trustee absent manifest
                                         error;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">if
                                         made by us as calculation agent, will be made in our sole discretion;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">if
                                         made by a calculation agent other than us, will be made after consultation with us, and
                                         the calculation agent will not make any such determination, decision or election to which
                                         we reasonably object; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">notwithstanding
                                         anything to the contrary in the indenture, shall become effective without consent from
                                         the holders of the Notes, the trustee or any other party.</FONT></TD></TR></TABLE>

<P STYLE="text-align: left; font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Form, Denomination,
Transfer, Exchange and Book-Entry Procedures</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes offered hereby will be issued only in fully registered form, without interest coupons, and in minimal denominations of $1,000&nbsp;and
integral multiples of $1,000 in excess thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
Notes offered hereby will be evidenced by a global note which will be deposited with, or on behalf of, DTC, or any successor thereto,
and registered in the name of Cede &amp; Co., or Cede, as nominee of DTC. Except as set forth below, record ownership of the global
note may be transferred, in whole or in part, only to another nominee of DTC or to a successor of DTC or its nominee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
global note will not be registered in the name of any person, or exchanged for Notes that are registered in the name of any person,
other than DTC or its nominee, unless one of the following occurs:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">DTC
                                         notifies us that it is unwilling or unable to continue acting as the depositary for the
                                         global note, or DTC has ceased to be a clearing agency registered under the Exchange
                                         Act, and in either case we fail to appoint a successor depositary; or</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">an
                                         event of default with respect to the Notes represented by the global note has occurred
                                         and is continuing.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">In
those circumstances, DTC will determine in whose names any securities issued in exchange for the global note will be registered.
Any such Notes in certificated form will be issued in minimum denominations of $1,000&nbsp;and multiples of $1,000 in excess thereof
and may be transferred or exchanged only in such minimum denominations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">DTC
or its nominee will be considered the sole owner and holder of the global note for all purposes, and as a result:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">you
                                         cannot get Notes registered in your name if they are represented by the global note;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">you
                                         cannot receive certificated (physical) notes in exchange for your beneficial interest
                                         in the global note;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">you
                                         will not be considered to be the owner or holder of the global note or any note it represents
                                         for any purpose; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="text-align: left; width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">all
                                         payments on the global note will be made to DTC or its nominee.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
laws of some jurisdictions require that certain kinds of purchasers (for example, certain insurance companies) can only own securities
in definitive (certificated) form. These laws may limit your ability to transfer your beneficial interests in the global note
to these types of purchasers.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Only
institutions (such as a securities broker or dealer) that have accounts with the DTC or its nominee (called &ldquo;participants&rdquo;)
and persons that may hold beneficial interests through participants (including through Euroclear Bank SA/NV or Clearstream Banking,
soci&eacute;t&eacute; anonyme, as DTC participants) can own a beneficial interest in the global note. The only place where the
ownership of beneficial interests in the global note will appear and the only way the transfer of those interests can be made
will be on the records kept by DTC (for their participants&rsquo; interests) and the records kept by those participants (for interests
of persons held by participants on their behalf).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Secondary
trading in bonds and notes of corporate issuers is generally settled in clearing-house (that is, next-day) funds. In contrast,
beneficial interests in a global note usually trade in DTC&rsquo;s same-day funds settlement system, and settle in immediately
available funds. We make no representations as to the effect that settlement in immediately available funds will have on trading
activity in those beneficial interests.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
will make cash payments of interest on and principal of the global note to Cede, the nominee for DTC, as the registered owner
of the global note. We will make these payments by wire transfer of immediately available funds on each payment date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">You
may exchange or transfer the Notes at the corporate trust office of the trustee for the Notes or at any other office or agency
maintained by us for those purposes. We will not require payment of a service charge for any transfer or exchange of the Notes,
but Fulton Financial may require payment of a sum sufficient to cover any applicable tax or other governmental charge.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
have been informed that, with respect to any cash payment of interest on or principal of the global note, DTC&rsquo;s practice
is to credit participants&rsquo; accounts on the payment date with payments in amounts proportionate to their respective beneficial
interests in the Notes represented by the global note as shown on DTC&rsquo;s records, unless DTC has reason to believe that it
will not receive payment on that payment date. Payments by participants to owners of beneficial interests in Notes represented
by the global note held through participants will be the responsibility of those participants, as is now the case with securities
held for the accounts of customers registered in &ldquo;street name.&rdquo;</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
also understand that neither DTC nor Cede will consent or vote with respect to the Notes. We have been advised that under its
usual procedures, DTC will mail an &ldquo;omnibus proxy&rdquo; to us as soon as possible after the record date. The omnibus proxy
assigns Cede&rsquo;s consenting or voting rights to those participants to whose accounts the Notes are credited on the record
date identified in a listing attached to the omnibus proxy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Because
DTC can only act on behalf of participants, who in turn act on behalf of indirect participants, the ability of a person having
a beneficial interest in the principal amount represented by the global note to pledge the interest to persons or entities that
do not participate in the DTC book-entry system, or otherwise take actions in respect of that interest, may be affected by the
lack of a physical certificate evidencing its interest.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">DTC
has advised us that it will take any action permitted to be taken by a holder of notes (including the presentation of notes for
exchange) only at the direction of one or more participants to whose account with DTC interests in the global note are credited
and only in respect of such portion of the principal amount of the Notes represented by the global note as to which such participant
has, or participants have, given such direction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">DTC
has also advised us as follows: DTC is a limited purpose trust company organized under the laws of the State of New York, a &ldquo;banking
organization&rdquo; within the meaning of the New York Banking Law, a member of the Federal Reserve System, a &ldquo;clearing
corporation&rdquo; within the meaning of the Uniform Commercial Code, as amended, and a &ldquo;clearing agency&rdquo; registered
pursuant to the provisions of Section 17A of the Exchange Act. DTC was created to hold securities for its participants and facilitate
the clearance and settlement of securities transactions between participants through electronic book-entry changes in accounts
of its participants. Participants include securities brokers and dealers, banks, trust companies and clearing corporations and
may include certain other organizations. Certain of such participants (or their representatives), together with other entities,
own DTC. Indirect access to the DTC system is available to other entities such as banks, brokers, dealers and trust companies
that clear through or maintain a custodial relationship with a participant, either directly or indirectly. The rules applicable
to DTC and its direct and indirect participants are on file with the SEC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
policies and procedures of DTC, which may change periodically, will apply to payments, transfers, exchanges and other matters
relating to beneficial interests in the global note. We and the trustee have no responsibility or liability for any aspect of
DTC&rsquo;s or any participants&rsquo; records relating to beneficial interests in the global note, including for payments made
on the global note, and we and the trustee are not responsible for maintaining, supervising or reviewing any of those records.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Calculation Agent</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
may appoint a calculation agent for the Notes prior to the commencement of the floating rate period and will keep a record of
such appointment at our principal offices, which will be available to any holder of the Notes upon request. In addition, we or
an affiliate of ours may assume the duties of the calculation agent. We will act as the initial calculation agent.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The Trustee</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">The
trustee for the holders of Notes issued under the Indenture is Wilmington Trust, National Association. If an event of default
with respect to the Notes occurs, and is not cured, the trustee will be required to use the degree of care of a prudent person
in the conduct of his or her own affairs in the exercise of its powers. The trustee will be under no obligation to exercise any
of its rights or powers under the Indenture at the request of any holders of the Notes, unless they have offered to the trustee
security or indemnity satisfactory to the trustee.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Wilmington
Trust, National Association, in the future, may be the trustee under other indentures pursuant to which we issue debt. Pursuant
to the Trust Indenture Act of 1939, if a default occurs with respect to the securities of any series, the trustee will be required
to eliminate any conflicting interest as defined in the Trust Indenture Act of 1939 or resign as trustee with respect to the securities
of that series within 90 days of such default, unless such default were cured, duly waived or otherwise eliminated.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Payment and Paying
Agents</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
will pay principal and interest on the Notes at the corporate trust office of the trustee or at the office of any paying agent
that we may designate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">We
will pay any interest on the Notes to the registered owner of the Notes at the close of business on the record date for the interest,
except in the case of defaulted interest. Interest payable at maturity of the Notes will be paid to the registered holder to whom
principal is payable. We may at any time designate additional paying agents or rescind the designation of any paying agent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: left; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Any
moneys deposited with the trustee or any paying agent, or then held by us in trust, for the payment of the principal of and interest
on any Note that remains unclaimed for two years after the principal or interest has become due and payable will, at our request,
be repaid to us, or (if then held by us) be discharged from such trust. After repayment to us, you are entitled to seek payment
only from us as an unsecured general creditor.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Governing Law</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The Indenture
and the Notes are governed by and construed in accordance with the laws of the State of New York.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_010"></A>Certain
ERISA and Other Benefit Plan Considerations</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The following
is a summary of certain considerations associated with the purchase and holding of the Notes (including interests in the Notes)
by (1) &ldquo;employee benefit plans&rdquo; (as defined in Section 3(3) of the U.S. Employee Retirement Income Security Act of
1974, as amended, which we refer to as &ldquo;<B>ERISA</B>&rdquo;) that are subject to Title&nbsp;I of <B>ERISA</B>, (2) plans,
individual retirement accounts and other arrangements subject to Section&nbsp;4975 of the Code, (3) plans subject to any federal,
state, local, non-U.S. or other laws or regulations that are similar to Title&nbsp;I of ERISA or Section&nbsp;4975 of the Code,
which we collectively refer to as &ldquo;<B>Similar Laws</B>,&rdquo; and (4) entities whose underlying assets are considered to
include &ldquo;plan assets&rdquo; of any of the foregoing described in clauses (i), (ii) and (iii) above(each of which we call
a &ldquo;<B>Plan</B>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Each fiduciary
of a Plan should consider the fiduciary standards of ERISA, to the extent applicable, or any applicable Similar Laws in the context
of the Plan&rsquo;s particular circumstances before authorizing an investment in the Notes. Accordingly, among other factors,
the fiduciary should consider whether the investment would satisfy the prudence, diversification and conflicts of interest requirements
of ERISA and any other applicable Similar Laws, as applicable, and would be consistent with the documents and instruments governing
the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">In addition,
Section&nbsp;406 of ERISA and Section&nbsp;4975 of the Code prohibit Plans subject to such provisions, which we call &ldquo;<B>Covered
Plans</B>,&rdquo; from engaging in certain transactions involving &ldquo;plan assets&rdquo; with persons that are &ldquo;parties
in interest&rdquo; under ERISA or &ldquo;disqualified persons&rdquo; under Section&nbsp;4975 of the Code with respect to the Covered
Plan. A violation of these &ldquo;prohibited transaction&rdquo; rules may result, among other things, in an excise tax or other
liabilities under ERISA and/or Section&nbsp;4975 of the Code for such persons, and a fiduciary causing a Covered Plan to engage
in such a transaction may be subject to liabilities, and the transaction may need to be reversed, unless exemptive relief is available
under an applicable statutory or administrative exemption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The acquisition
or holding of the Notes (or an interest in the Notes) by or on behalf of a Plan with respect to which the Company, any of the
underwriters, the Trustee or any of their respective affiliates are or become a party in interest or a disqualified person may
constitute or result in prohibited transactions under ERISA or Section&nbsp;4975 of the Code, unless the Notes (or interests therein)
are acquired and held pursuant to and in accordance with an applicable exemption. Therefore, a fiduciary of a Covered Plan should
also consider whether an investment in the Notes might constitute or give rise to a non-exempt prohibited transaction under ERISA
and the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">In this regard,
the U.S. Department of Labor has issued prohibited transaction class exemptions, or PTCEs, that potentially may provide exemptive
relief for direct or indirect prohibited transactions resulting from the purchase, holding or disposition of the Notes, or interests
therein. Those class exemptions include:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">PTCE
                                         96-23 - for certain transactions determined by in-house asset managers;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">PTCE
                                         95-60 - for certain transactions involving insurance company general accounts;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">PTCE
                                         91-38 - for certain transactions involving bank collective investment funds;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">PTCE
                                         90-1 - for certain transactions involving insurance company pooled accounts; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">PTCE
                                         84-14 - for certain transactions determined by independent qualified professional asset
                                         managers.</FONT></TD></TR></TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0pt; margin-bottom: 0pt; margin-left: 0pt; text-align: left"><FONT STYLE="font-size: 10pt">In addition,
ERISA Section&nbsp;408(b)(17) and Section&nbsp;4975(d)(20) of the Code provides an exemption for transactions between a Covered
Plan and a party in interest or disqualified person; <U>provided</U> that the party in interest or disqualified person is not
a fiduciary (or an affiliate thereof) who has or exercises any discretionary authority or control with respect to the investment
of the Covered Plan assets involved in the transaction or renders investment advice with respect to those assets, and is a party
in interest or disqualified person solely by reason of being a service provider to the Covered Plan or having a relationship to
a service provider to the Covered Plan and provided, further, that the Covered Plan pays no more, nor receives no less, than adequate
consideration in connection with the transaction (the so-called &ldquo;service provider exemption&rdquo;). No assurance can be
made that any of the above-described exemptions or any other exemption will be available, or that all of the conditions of any
such exemptions will be satisfied, with respect to any particular transactions involving the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Employee benefit
plans that are governmental plans (as defined in Section&nbsp;3(32) of ERISA), certain church plans (as defined in Section&nbsp;3(33)
of ERISA) and non-U.S. plans (as described in Section&nbsp;4(b)(4) of ERISA) are not generally subject to the requirements of
ERISA or Section&nbsp;4975 of the Code, but may be subject to Similar Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Because of
the possibility that direct or indirect prohibited transactions or violations of Similar Laws could occur as a result of the purchase,
holding or disposition of the Notes or an interest in the Notes by a Plan, the Notes and interests therein may not be purchased
by any Plan, or any person investing the assets of any Plan, unless its purchase, holding and disposition of the Notes or such
interests in the Notes will not constitute or result in a non-exempt prohibited transaction under ERISA or Section&nbsp;4975 of
the Code or a violation of any Similar Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Any purchaser
or holder of the Notes or any interest in the Notes will be deemed to have represented by its purchase and holding of the Notes
or such interests that either:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">it
                                         is not a Plan and is not purchasing or holding the Notes or interest in the Notes on
                                         behalf of or with the assets of any Plan&#894; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">its
                                         purchase, holding and disposition of the Notes or interest in the Notes will not constitute
                                         or result in a non-exempt prohibited transaction under ERISA or the Code or a violation
                                         of any Similar Laws.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Due to the
complexity of these rules and the penalties imposed upon persons involved in non-exempt prohibited transactions or other violations,
it is important that any person considering the acquisition of the Notes (or an interest in the Notes) on behalf of, or with the
assets of, any Plan, consult with its counsel regarding the consequences under ERISA, the Code and any applicable Similar Laws
of the acquisition, ownership and disposition of the Notes or interests in the Notes, whether any exemption would be necessary,
and if so, applicable, and whether all conditions of such exemption would be satisfied such that the acquisition and holding of
the Notes or an interest therein by the Plan would be entitled to full exemptive relief thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Nothing herein
will be construed as, and the sale of the Notes or any interests therein to a Plan is in no respect, a representation or advice
by us, any of the underwriters or the Trustee (or any of our or their affiliates or representatives) as to whether any investment
in the Notes or any interests therein would meet any or all of the relevant legal requirements with respect to investment by,
or is appropriate for, Plans generally or any particular Plan. The foregoing discussion is merely a summary and should not be
construed as legal or investment advice, or as complete in all relevant respects. Each Purchaser and holder of Notes (including
interests in Notes) have the exclusive responsibility for determining that its acquisition, holding and disposition of the Notes
(including interests in the Notes) satisfies all fiduciary and other legal requirements applicable to it, and will not result
in a non-exempt prohibited transaction or other violation under ERISA, the Code or Similar Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">This summary
is based upon the Code, ERISA and the regulations, and administrative and judicial interpretations thereof, all as of the date
hereof and all of which are subject to change, possibly on a retroactive basis, and any such change or interpretation could affect
the accuracy of the statements in this summary.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_011"></A>U.S.
Federal Income Tax Considerations</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">General</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The following
is a discussion of U.S. federal income tax considerations generally applicable to the ownership and disposition of the Notes by
a U.S. holder or a non-U.S. holder (each as defined below) that purchases the Notes pursuant to and at the price indicated on
the cover of this prospectus supplement and holds the Notes as &ldquo;capital assets&rdquo; (generally, property held for investment
purposes) for U.S. federal income tax purposes. This discussion is based upon the U.S. Internal Revenue Code of 1986, as amended
(the &ldquo;<B>Code</B>&rdquo;), U.S. Treasury Regulations promulgated thereunder, judicial decisions and current administrative
rulings and practice, all as in effect and available as of the date of this prospectus supplement and all of which are subject
to differing interpretations or change, possibly with retroactive effect. There can be no assurance that the Internal Revenue
Service (the &ldquo;<B>IRS</B>&rdquo;) or a court will concur with the conclusions reached below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">This discussion
does not discuss all aspects of U.S. federal income taxation which may be important to particular investors in light of their
individual circumstances, such as investors subject to special tax rules (e.g., banks and other financial institutions, insurance
companies, real estate investment trusts, broker-dealers, partnerships and their partners, tax-exempt organizations (including
private foundations), qualified retirement plans, &ldquo;controlled foreign corporations,&rdquo; &ldquo;passive foreign investment
companies,&rdquo; holders subject to the alternative minimum tax and certain former citizens and former long-term residents of
the United States), or to persons that will hold the notes as part of a broader transaction, all of whom may be subject to tax
rules that differ significantly from those summarized below. Furthermore, this discussion does not address any other U.S. federal
tax considerations (e.g., estate or gift tax or the Medicare tax on net investment income) or any state, local or non-U.S. tax
laws. Prospective investors are urged to consult their own tax advisors regarding the U.S. federal, state, local and non-U.S.
income and other tax considerations applicable to them in their particular circumstances. In addition, this discussion does not
apply to holders 3.25% subordinated notes due in 2030 that are redeemed using the proceeds from this offering and invest in the
Notes; such holders are urged to consult their own tax advisors regarding the tax consequences of an investment in the Notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">For the purposes
of this summary, a &ldquo;U.S. holder&rdquo; is a beneficial owner of a Note that, for U.S. federal income tax purposes, is any
of the following: (i) an individual who is a citizen or resident of the United States, (ii) a corporation (or other entity treated
as a corporation for U.S. federal income tax purposes) created in, or organized under the law of, the United States, any state
thereof or the District of Columbia, (iii) an estate the income of which is subject to U.S. federal income tax regardless of source,
or (iv) a trust (A) the administration of which is subject to the primary supervision of a U.S. court and which has one or more
U.S. persons who have the authority to control all of the substantial decisions of the trust or (B) that has a valid election
in effect under applicable U.S. Treasury Regulations to be treated as a domestic trust.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">For purposes
of this discussion, the term &ldquo;non-U.S. holder&rdquo; means a beneficial owner of a Note that is not a U.S. holder and is
not a partnership or other entity treated as a partnership for U.S. federal income tax purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">If a partnership
(including any entity or arrangement treated as a partnership for U.S. federal income tax purposes) holds Notes, the U.S. federal
income tax treatment of a partner in the partnership will generally depend upon the status of the partner and the activities of
the partnership. Partnerships investing in the Notes and partners in such partnerships are urged to consult their own tax advisors
as to the particular U.S. federal income tax considerations applicable to them.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0pt; margin-bottom: 0pt; margin-left: 0pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Treatment
of the Notes as Variable Rate Debt Instruments</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">As discussed
under &ldquo;The Description of Notes &ndash; Interest,&rdquo; the Notes will bear interest at an initial fixed rate during the
Fixed Rate Period and then bear interest at a floating rate per annum, reset quarterly, during the Floating Rate Period. Under
applicable Treasury Regulations, a debt instrument will qualify as a &ldquo;variable rate debt instrument&rdquo; if (a) its issue
price does not exceed the total noncontingent principal payments due under the debt instrument by more than a specified <I>de
minimis</I> amount, (b) the debt instrument provides for stated interest, paid or compounded at least annually, at current value
of a single fixed rate and one or more qualified floating rates, and (c) except as described in (a) above, does not provide for
any principal payments that are contingent. A &ldquo;qualified floating rate&rdquo; is any variable rate where variations in the
value of such rate can reasonably be expected to measure contemporaneous variations in the cost of newly borrowed funds in the
currency in which the debt instrument is denominated. Under the foregoing definition, the Notes are expected to be treated as
variable rate debt instruments for U.S. federal income tax purposes and the discussion below is based on this assumption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Original
Issue Discount and Qualified Stated Interest</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">It is anticipated,
and this discussion assumes, that the issue price of the Notes will be equal to the stated principal amount or, if the issue price
is less than the stated principal amount, the difference will be a <I>de minimis </I>amount (as set forth in the applicable Treasury
Regulations). If, however, the issue price of a Note is less than the stated redemption amount at maturity and the difference
is more than a <I>de minimis</I> amount (as set forth in the applicable Treasury Regulations), then a U.S. holder generally will
be required to include the difference in income as original issue discount as it accrues in accordance with a constant yield method.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The tax treatment
of interest depends on whether such interest constitutes &ldquo;qualified stated interest,&rdquo; referred to herein as &ldquo;<FONT STYLE="font-weight: normal"><I>QSI</I></FONT>.&rdquo;
With respect to a debt instrument that provides for a single fixed rate and one or more qualified floating rates, QSI is determined
by first converting the single fixed rate to an equivalent qualified floating rate, then converting each qualified floating rate
to the applicable fixed rate substitute for the applicable interest accrual periods, and determining OID and QSI as if such instrument
were a fixed rate instrument. In such case, QSI is generally the amount of interest that is payable at least annually at a single
fixed rate. These calculations cannot be performed with certainty in advance of the issuance of the Notes as they will be depend
on the market conditions at issuance. Based upon current market conditions and the manner in which the interest rates on the Notes
are determined, we expect that all of the stated interest on the Notes will be treated as QSI and the Notes will be treated as
having been issued with no more than <I>de minimis </I>original issue discount.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The remainder
of this discussion assumes that the stated interest on the Notes will be treated as QSI and the Notes will be treated as having
been issued with no more than <I>de minimis </I>original issue discount. Holders are urged to consult their own tax advisors regarding
the tax consequences to them if the Notes are issued with original issue discount or if the stated interest is not treated as
QSI.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Tax
Considerations for U.S. Holders</B></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">Interest
on the Notes</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Generally,
payments of stated interest on a Note will be taxable to a U.S. holder as ordinary income at the time they are received or accrued,
depending on the U.S. holder&rsquo;s method of accounting for U.S. federal income tax purposes.</FONT></P>
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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin-right: 0pt; margin-bottom: 0pt; margin-left: 0pt; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">Sale,
Exchange, Redemption or Other Taxable Disposition of the Notes</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">A U.S. holder
generally will recognize gain or loss upon the sale, exchange, redemption or other taxable disposition of a Note in an amount
equal to the difference, if any, between the amount realized upon the sale, exchange, redemption or other taxable disposition
and the U.S. holder&rsquo;s adjusted tax basis in the Note. For these purposes, the amount realized does not include any amount
attributable to accrued but unpaid interest, which will be taxed as described above under &ldquo;&mdash;Interest on the Notes.&rdquo;
Any gain or loss that a U.S. holder recognizes on a disposition of a Note will generally be capital gain or loss, except to the
extent of any accrued interest relating to such U.S. holder&rsquo;s Notes required to be included in income, and will be long-term
capital gain or loss if at the time of this disposition a U.S. holder has held the Note for more than one year. Long-term capital
gain of U.S. holders may be eligible for reduced rates of taxation. The deductibility of capital losses is subject to limitations
under the Code.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt; font-style: normal">Tax
Considerations for Non-U.S. Holders</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><I>Payments
of Interest</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">A non-U.S.
holder will generally not be subject to U.S. federal income or withholding tax on payments of interest on the Notes provided that
(1) such interest is not effectively connected with the conduct of a trade or business within the United States by the non-U.S.
holder and (2) the non-U.S. holder (a) does not actually or constructively own 10% or more of the total combined voting power
of all classes of stock of the Issuer entitled to vote, (b) is not a controlled foreign corporation related to the Issuer (within
the meaning of the Code), and (c) certifies, under penalties of perjury, to the applicable withholding agent on IRS Forms W-8BEN
or W-8BEN-E (or appropriate substitute form) that it is not a U.S. person and that no withholding is required pursuant to the
Foreign Account Tax Compliance Act (&ldquo;<B>FATCA</B>&rdquo;) (discussed below), and provides its name, address and certain
other required information or certain other certification requirements are satisfied.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">If interest
on the Notes is not effectively connected with the conduct of a trade or business in the United States by a non-U.S. holder but
such non-U.S. holder cannot satisfy the other requirements outlined in the preceding paragraph, interest on the Notes will generally
be subject to U.S. federal withholding tax (currently imposed at a 30% rate), unless the withholding tax rate is reduced or eliminated
by an applicable treaty, and such non-U.S. holder is a qualified resident of the treaty country and complies with certain certification
requirements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">If interest
on the Notes is effectively connected with the conduct of a trade or business within the United States by a non-U.S. holder and,
if required under an applicable treaty, such interest is attributable to a permanent establishment or fixed base within the United
States, then the non-U.S. holder will generally be subject to U.S. federal income tax on the receipt or accrual of such interest
on a net income basis in the same manner as if such holder were a U.S. person and, in the case of a non-U.S. holder that is a
foreign corporation, may also be subject to an additional branch profits tax (currently imposed at a rate of 30%, or a lower applicable
treaty rate) on its effectively connected earnings and profits for the taxable year, subject to adjustments. Any such interest
will not also be subject to U.S. federal withholding tax, however, if the non-U.S. holder timely provides the withholding agent
a properly executed IRS Form W-8ECI in order to claim an exemption from U.S. federal withholding tax.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">Sale,
Exchange, Redemption or Other Taxable Disposition of the Notes</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">A non-U.S.
holder will generally not be subject to U.S. federal income tax (or any withholding thereof) with respect to gain, if any, recognized
upon the sale, exchange, redemption or other disposition of the Notes (other than any amount representing accrued and unpaid interest
on the note, which is subject to the rules discussed above under &ldquo;&mdash;Payments of Interest&rdquo; unless (1) the gain
is effectively connected with the conduct of a trade or business within the United States by the non-U.S. holder and, if required
under an applicable treaty, is attributable to a permanent establishment or fixed base of the non-U.S. holder within the United
States, or (2) in the case of a non-U.S. holder that is an individual, such holder is present in the United States for 183 or
more days in the taxable year in which the sale, exchange, redemption or other disposition of the Notes occurs and certain other
conditions are satisfied.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Gain that
is effectively connected with the conduct of a trade or business in the United States will generally be subject to U.S. federal
income tax on a net income basis (but not U.S. withholding tax), in the same manner as if the non-U.S. holder were a U.S. person,
and, in the case of a non-U.S. holder that is a foreign corporation, may also be subject to an additional branch profits tax (currently
imposed at a rate of 30%, or a lower applicable treaty rate) on its effectively connected earnings and profits, subject to adjustments.
An individual non-U.S. holder who is subject to U.S. federal income tax because the non-U.S. holder was present in the United
States for 183 days or more during the year of sale, exchange, redemption or other disposition of the Notes will be subject to
a flat 30% tax on the gain derived from such sale, exchange, redemption or other disposition, which may be offset by certain U.S.-source
capital losses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><I>FATCA
Withholding</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Pursuant
to Sections 1471 through 1474 of the Code, commonly referred to as &ldquo;FATCA,&rdquo; withholding at a rate of 30% will generally
be required in certain circumstances on interest payable on Notes held by or through certain financial institutions (including
investment funds), unless such institution (i) enters into, and complies with, an agreement with the IRS to report, on an annual
basis, information with respect to interests in, and accounts maintained by, the institution that are owned by certain U.S. persons
or by certain non-U.S. entities that are wholly or partially owned by U.S. persons and to withhold on certain payments, or (ii)
if required under an intergovernmental agreement between the United States and an applicable foreign country, reports such information
to its local tax authority, which will exchange such information with the U.S. authorities. An intergovernmental agreement between
the United States and an applicable foreign country, or other guidance, may modify these requirements. Accordingly, the entity
through which the Notes are held will affect the determination of whether such withholding is required. Similarly, interest payable
on the Notes held by an investor that is a non-financial non-U.S. entity that does not qualify under certain exemptions will generally
be subject to withholding at a rate of 30%, unless such entity either (i) certifies that it does not have any &ldquo;substantial
United States owners&rdquo; or (ii) provides certain information regarding the entity&rsquo;s &ldquo;substantial United States
owners,&rdquo; which will, in turn, be provided to the U.S. Department of the Treasury. Prospective investors are urged to consult
their own tax advisors regarding the possible implications of these rules on an investment in the Notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">THE
FOREGOING SUMMARY DOES NOT DISCUSS ALL ASPECTS OF U.S. FEDERAL INCOME TAXATION THAT MAY BE RELEVANT TO INVESTORS IN LIGHT OF THEIR
PARTICULAR CIRCUMSTANCES AND INCOME TAX SITUATION. INVESTORS SHOULD CONSULT THEIR OWN TAX ADVISORS AS TO THE SPECIFIC TAX CONSEQUENCES
THAT WOULD RESULT FROM THEIR OWNERSHIP AND DISPOSITION OF THE NOTES, INCLUDING THE APPLICATION AND EFFECT OF STATE, LOCAL AND
OTHER TAX LAWS AND THE POSSIBLE EFFECTS OF CHANGES IN FEDERAL OR OTHER TAX LAWS.</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_012"></A>Underwriting
(Conflicts of Interest)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">We have entered
into an underwriting agreement with Piper Sandler &amp; Co. and J.P. Morgan Securities LLC (collectively, the &ldquo;<B>underwriters</B>&rdquo;)
with respect to the Notes being offered pursuant to this prospectus supplement. Subject to certain conditions, the underwriters
have agreed to purchase the aggregate principal amount of Notes set forth next to its name in the following table.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Underwriter</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Principal<BR>
 Amount of<BR>
 Notes</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; text-align: left; text-indent: -0.1in; padding-left: 0.1in">Piper Sandler &amp; Co.&#9;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.1in; padding-left: 0.1in">J.P. Morgan Securities LLC&#9;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.1in; padding-left: 0.1in">Total&#9;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&#9;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The underwriting
agreement provides that the obligations of the underwriters are subject to certain conditions precedent such as the receipt by
the underwriters of officers&rsquo; certificates and legal opinions and approval of certain legal matters by its counsel. The
underwriting agreement provides that each underwriter has agreed to purchase all of the Notes offered hereby if any of them are
purchased. We have agreed to indemnify the underwriters against certain liabilities, including liabilities under the Securities
Act of 1933, as amended, and to contribute to payments that the underwriters may be required to make in respect of those liabilities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The Notes will
constitute a new class of securities with no established trading market. The underwriters have advised us that, following the completion
of this offering, they intend to make a market in the Notes as permitted by applicable laws and regulations. However, the underwriters
are not obligated to do so, and the underwriters may discontinue any market-making activities at any time without notice in their
sole discretion. Accordingly, no assurance can be given as to the liquidity of the trading market for the Notes, that you will be able
to sell any of the Notes held by you at a particular time or that the prices that you receive when you sell will be favorable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The underwriters
are offering the Notes offered hereby subject to their acceptance of such Notes from us and subject to prior sale. The underwriters
reserve the right to withdraw, cancel or modify offers to the public and to reject orders in whole or in part.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">Commission
and Expenses</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Notes sold by
the underwriters to the public will be offered at the public offering price set forth on the cover of this prospectus supplement. If
all of the Notes are not sold at their applicable initial offering prices, the underwriters may change the offering prices and the other
selling terms. The offering of the Notes by the underwriters is subject to receipt and acceptance and subject to the underwriters&rsquo;
right to reject any order in whole or in part.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The following
table shows the public offering price, the underwriting discounts and commissions that we are to pay the underwriters and the
proceeds, before expenses, to us in connection with this offering (expressed as a percentage of the principal amount of the Notes
offered hereby).</FONT></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Per Note</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-size: 10pt">Public offering price<SUP>(1)</SUP>&#9;</FONT></TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-size: 10pt">Underwriting discounts and commissions paid by us<SUP>(2)</SUP>&#9;</FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.1in; padding-left: 0.1in">Proceeds to us, before expenses&#9;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Plus
                                         accrued interest, if any, from the original issue date.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 17.3pt; text-align: left"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">We
                                            have agreed to reimburse the underwriters up to $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                                            for certain expenses in connection with this offering. Such reimbursement is deemed underwriter
                                            compensation by the Financial Industry Regulatory Authority (&ldquo;<B>FINRA</B>&rdquo;)
                                            under FINRA Rule&nbsp;5110.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">We estimate
expenses payable by us in connection with this offering, other than, in each case, underwriting discounts and commissions, will
be approximately $&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">We expect that
delivery of the Notes will be made against payment therefor on or about &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;, 2026,
which will be the&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;business day following the date of pricing of the Notes, or </FONT>&ldquo;T+&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.&rdquo;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">No
Listing</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The Notes
will not be listed on any securities exchange or included in any automated quotation system.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">No
Sale of Similar Securities</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">We have agreed
with the underwriters that for a period from the date of the underwriting agreement through and including the closing date of
the offering, we and our subsidiaries will not, without the prior consent of the underwriters, offer, sell, contract to sell or
otherwise dispose of any debt securities issued or guaranteed by us or any of our subsidiaries.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Stabilization</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">In connection
with this offering of the Notes, any underwriter may engage in overallotment, stabilizing transactions and syndicate covering
transactions. Overallotment involves sales in excess of the offering size, which create a short position for such underwriter.
Stabilizing transactions involve bids to purchase the Notes in the open market for the purpose of pegging, fixing or maintaining
the price of the Notes. Syndicate covering transactions involve purchases of the Notes in the open market after the distribution
has been completed in order to cover short positions. Stabilizing transactions and syndicate covering transactions may cause the
price of the Notes to be higher than it would otherwise be in the absence of those transactions. If any underwriter engages in
stabilizing or syndicate covering transactions, it may discontinue such activities at any time without notice.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">Neither we
nor the underwriters makes any representation or prediction as to the direction or magnitude of any effect that the transactions
described above may have on the price of the Notes. In addition, neither we nor the underwriters make any representation that
the underwriters will engage in these transactions or that these transactions, once commenced, will not be discontinued without
notice.</FONT></P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Other
Activities and Relationships</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The underwriters
and certain of their affiliates are full service financial institutions engaged in various activities, which may include securities
trading, commercial and investment banking, financial advisory, investment management, investment research, principal investment,
hedging, financing and brokerage activities. The underwriters or their affiliates have, from time to time, performed, and may
in the future perform, various commercial and investment banking and financial advisory services for us and our affiliates, for
which they received or will receive customary fees and expenses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">In the ordinary
course of their various business activities, the underwriters and certain of their affiliates may make or hold a broad array of
investments and actively trade debt and equity securities (or related derivative securities) and financial instruments (including
bank loans) for their own account and for the accounts of their customers, and such investment and securities activities may involve
securities or instruments issued by us and our affiliates. If the underwriters or their affiliates have a lending relationship
with us, they routinely hedge their credit exposure to us consistent with their customary risk management policies. The underwriters
and their affiliates may hedge such exposure by entering into transactions which consist of either the purchase of credit default
swaps or the creation of short positions in our securities or the securities of our affiliates, including potentially the Notes
offered hereby. Any such short positions could adversely affect future trading prices of the Notes offered hereby. The underwriters
and their affiliates may also communicate independent investment recommendations, market color or trading ideas or publish or
express independent research views in respect of such securities or instruments and may at any time hold, or recommend to clients
that they acquire, long or short positions in such securities and instruments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt"><B>Conflicts
of Interest</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The Company
and Piper Sandler Companies, the parent company of Piper Sandler &amp; Co., an underwriter for this offering, have two 10% or
greater shareholders in common. This is deemed a conflict of interest under FINRA Rule 5121. Accordingly, this offering is being
made in compliance with the requirements of Rule 5121. Pursuant to Rule 5121, Piper Sandler &amp; Co. will not confirm sales of
the Notes to any account over which it exercises discretionary authority without the prior written approval of the customer.</FONT></P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_013"></A>Legal
Matters</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: left"><FONT STYLE="font-size: 10pt">The validity of the
Notes offered hereby will be passed upon for Fulton Financial Corporation by Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP, New York,
New York. Certain legal matters will be passed upon for Fulton Financial Corporation by Holland &amp; Knight LLP, Philadelphia,
Pennsylvania. Certain legal matters related to the offering will be passed upon for the underwriters by Troutman Pepper Locke LLP, Richmond,
Virginia.</FONT></P>



<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 10pt"><A NAME="e26227a_014"></A>Experts</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">The consolidated
financial statements of Fulton Financial Corporation as of December&nbsp;31, 2025 and 2024, and for each of the years in the three-year
period ended December&nbsp;31, 2025, and management&rsquo;s assessment of the effectiveness of internal control over financial
reporting as of December&nbsp;31, 2025, have been incorporated by reference herein in reliance upon the reports of KPMG LLP, independent
registered public accounting firm, incorporated by reference herein, and upon the authority of said firm as experts in accounting
and auditing.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PROSPECTUS
</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="fult_logo.jpg" ALT="" STYLE="height: 93px; width: 400px">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Common
Stock</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Preferred
Stock</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Depositary
Shares</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Debt
Securities</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Warrants</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Purchase
Contracts</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-indent: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Units</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-indent: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>of</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 18pt"><B>FULTON
FINANCIAL CORPORATION</B></FONT></P>

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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Fulton Financial Corporation from
time to time in one or more offerings may offer to sell the securities identified above either separately or in any combination of the
securities. The securities we may offer may be convertible or exchangeable for other securities. This prospectus describes some of the
general terms that may apply to these securities and the general manner in which they may be offered. The specific terms of any securities
to be offered, and the specific manner in which they may be offered, will be described in the applicable prospectus supplement to this
prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">Our common
stock is traded on the NASDAQ Global Select Market under the symbol &ldquo;FULT.&rdquo;&nbsp;</FONT></P>
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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Investing
in our securities involves risks. You should carefully read this prospectus and the applicable prospectus supplement, together with the
documents incorporated by reference, before you make your investment decision. See &ldquo;<A HREF="#e26227b005">Risk Factors</A>&rdquo; on page 7 of this prospectus,
and in our most recent Annual Report on Form 10-K for the fiscal year ended December&nbsp;31, 2024 and our Quarterly Reports on Form
10-Q for the fiscal quarters ended March&nbsp;31, 2025 and June&nbsp;30, 2025, each of which are incorporated herein by reference, as
well as any additional risk factors included in, or incorporated by reference into, the applicable prospectus supplement, to read about
factors you should consider before buying any of our securities. </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>None
of the Securities and Exchange Commission (the &ldquo;SEC&rdquo;), the Federal Deposit Insurance Corporation (the &ldquo;FDIC&rdquo;),
the Board of Governors of the Federal Reserve System or any state securities commission or any other federal regulatory agency has approved
or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a
criminal offense. </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>These
securities are not bank deposits and are not insured by the FDIC or any other governmental agency nor are they obligations of, or guaranteed
by, a bank. </B></FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may offer and sell these securities
to or through one or more underwriters, dealers and agents, directly to purchasers or through a combination of these methods, on a continuous
or delayed basis from time to time. The names of any underwriters, dealers or agents involved in the distribution of our securities,
their compensation and any option they hold to acquire additional securities will be described in the applicable prospectus supplement.
Net proceeds from the sale of securities will be set forth in the applicable prospectus supplement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">This prospectus may
not be used to sell securities unless accompanied by the applicable prospectus supplement. If there is any inconsistency between the
information in this prospectus and any prospectus supplement, you should rely on the information in the prospectus supplement.</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 17.3pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Prospectus
dated August&nbsp;11, 2025. </B></FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>TABLE
OF CONTENTS</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 95%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pages</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT THIS PROSPECTUS</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING INFORMATION</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHERE YOU CAN FIND MORE INFORMATION</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT FULTON FINANCIAL CORPORATION</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">RISK FACTORS</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USE OF PROCEEDS</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PLAN OF DISTRIBUTION</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SUMMARY OF THE SECURITIES WE MAY OFFER</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LEGAL MATTERS</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD>
    </TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 12pt; text-indent: -12pt"><A HREF="#e26227b010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXPERTS</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD>
    </TR>
  </TABLE>
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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>We
have not authorized any other person to provide you with any information other than the information contained in or incorporated by reference
into this prospectus and any applicable prospectus supplement. We do not take responsibility for, or provide any assurance as to the
reliability of, any different or additional information. We are not making an offer to sell the securities in any jurisdiction where
the offer or sale is not permitted. You should assume that the information appearing in this prospectus, any applicable prospectus supplement
and the documents incorporated by reference herein and therein is accurate only as of their respective dates. Our business, financial
condition, results of operations and prospects may have changed since those dates. </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b001"></A>ABOUT
THIS PROSPECTUS </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">This prospectus is part of an automatic
shelf registration statement that we filed with the SEC, as a &ldquo;well-known seasoned issuer,&rdquo; as defined under Rule 405 of
the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;). Under this automatic shelf registration statement, we may
offer and sell from time to time, separately or together, any combination of common stock, preferred stock, depositary shares, senior
debt securities, subordinated debt securities, warrants, purchase contracts and units in one or more offerings up to an indeterminate
aggregate dollar amount. The debt securities, preferred stock, warrants, purchase contracts and units may be convertible into, or exercisable
or exchangeable for, common or preferred stock or other securities issued by us.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Each time we offer and sell securities,
we will provide a prospectus supplement that will contain specific information about the terms of that offering. The prospectus supplement
may also add, update or change information contained in this prospectus. You should read this prospectus and the applicable prospectus
supplement together with the additional information described under the heading &ldquo;Where You Can Find More Information.&rdquo; We
may also prepare free writing prospectuses that describe particular securities. Any free writing prospectus should also be read in connection
with this prospectus and with any prospectus supplement referred to therein. For purposes of this prospectus, any reference to an applicable
prospectus supplement may also refer to a free writing prospectus, unless the context otherwise requires.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">The registration statement of which
this prospectus forms a part, including the exhibits to the registration statement, contains additional information about us and the
securities offered under this prospectus. The registration statement can be obtained from the SEC&rsquo;s website at www.sec.gov. Copies
of certain information filed by us with the SEC are also available on our website at www.fultonbank.com. The reference to our website
is not intended to be an active link and the information on, or that can be accessed through, our website is not, and you must not consider
the information to be, a part of this prospectus or any other filings we make with the SEC.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">The distribution of this prospectus
and any applicable prospectus supplement and the offering of the securities in certain jurisdictions may be restricted by law. Persons
who obtain this prospectus and any applicable prospectus supplement should inform themselves about, and observe, any such restrictions.
This prospectus and any applicable prospectus supplement do not constitute, and may not be used in connection with, an offer or solicitation
by anyone in any jurisdiction in which such offer or solicitation is not permitted or in which the person making such offer or solicitation
is not qualified to do so or to any person to whom it is unlawful to make such offer or solicitation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">Unless otherwise indicated or the
context requires otherwise, references to &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our,&rdquo; &ldquo;Fulton Financial,&rdquo; &ldquo;registrant&rdquo;
or similar terms are to Fulton Financial Corporation, a Pennsylvania corporation, and its subsidiaries.</FONT></P>

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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b002"></A>CAUTIONARY
STATEMENT REGARDING FORWARD-LOOKING INFORMATION </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">This prospectus contains or incorporates
by reference, and from time to time our management may make, forward-looking statements within the meaning of the safe harbor provisions
of the U.S. Private Securities Litigation Reform Act of 1995. In some cases, you can identify these statements by forward-looking words
such as &ldquo;may,&rdquo; &ldquo;might,&rdquo; &ldquo;will,&rdquo; &ldquo;should,&rdquo; &ldquo;expects,&rdquo; &ldquo;future,&rdquo;
&ldquo;intends,&rdquo; &ldquo;plans,&rdquo; &ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo; &ldquo;predicts,&rdquo;
&ldquo;potential&rdquo; or &ldquo;continue,&rdquo; the negative of these terms and other comparable terminology. These forward-looking
statements which are subject to risks, uncertainties and assumptions (some of which are beyond our control and ability to predict), may
include projections of, or guidance on, our future financial performance, expected levels of future expenses, anticipated growth strategies,
descriptions of new business initiatives and anticipated trends in our business or financial results. These statements are not guarantees
of future performance and are only predictions based on our current expectations and projections about future events. Among the important
factors that could cause our actual financial condition and results of operations, level of activity, performance or achievements to
differ materially from those indicated by such forward-looking statements are the factors disclosed under &ldquo;Risk Factors&rdquo;
in Part I, Item 1A of our most recent Annual Report on Form 10-K for the fiscal year ended December&nbsp;31, 2024, filed with the SEC
on February&nbsp;28, 2025, as such factors may be updated from time to time in our periodic filings with the SEC, as well as the other
information contained or incorporated by reference in this prospectus or in any prospectus supplement hereto. Forward-looking statements
speak only as of the date on which such statements are made. Except as required by law, we undertake no obligation to update any forward-looking
statement to reflect events or circumstances after the date on which such statement is made or to reflect the occurrence of unanticipated
events.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">While there can be no assurance that
any list of risks and uncertainties or risk factors is complete, important factors that could cause actual results to differ materially
from those contemplated by forward-looking statements include, but are not limited to, the following:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    impact of adverse conditions in the economy and financial markets, including elevated interest rates and trade policies and the imposition
    of tariffs and retaliatory tariffs, on the performance of our loan portfolio and demand for our products and services; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    potential impacts of recent events affecting the financial services industry on us, including increased competition for, and costs
    of, deposits and other funding sources, more stringent regulatory requirements relating to liquidity and interest rate risk management
    and capital adequacy and increased FDIC insurance expenses; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of actions by the federal government, including those of the Board of Governors of the Federal Reserve System and other government
    agencies, that impact the money supply and market interest rates; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of market interest rates, and the relative balances of interest rate-sensitive assets to interest rate-sensitive liabilities,
    on net interest margin (&ldquo;NIM&rdquo;) and net interest income; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    composition of our loan portfolio, including commercial mortgage loans, commercial and industrial loans and construction loans, which
    collectively represent a majority of the loan portfolio, may expose us to increased credit risk; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of changes in interest rates on demand for our products and services; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">investment
    securities gains and losses, including declines in the fair value of securities which may result in charges to earnings or shareholders&rsquo;
    equity; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of changes in interest rates or disruptions in liquidity markets on our sources of funding; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">capital
    and liquidity strategies, including our ability to comply with applicable capital and liquidity requirements, and our ability to
    generate capital internally or raise capital on favorable terms; </FONT></TD></TR>
  </TABLE>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of competition on deposit rates and growth, loan rates and growth and NIM; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">possible
    goodwill impairment charges; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    impact of operational risks, including the risk of human error, inadequate or failed internal processes and systems, computer and
    telecommunications systems failures, faulty or incomplete data and an inadequate risk management framework; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    loss of, or failure to safeguard, confidential or proprietary information; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    failure to identify and adequately and promptly address cybersecurity risks, including data breaches and cyberattacks; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    impact of failures of third-party vendors upon which we rely to perform in accordance with contractual arrangements and the effects
    of concerns about other financial institutions on us; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    potential to incur losses in connection with repurchase and indemnification payments related to sold loans; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    potential effects of climate change on our business and results of operations; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">increases
    in non-performing assets, which may require us to increase the allowance for credit losses, charge-off loans and incur elevated collection
    and carrying costs related to such non-performing assets; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    determination of the allowance for credit losses, which depends significantly upon assumptions and judgments with respect to a variety
    of factors, including the performance of the loan portfolio, the weighted-average remaining lives of different classifications of
    loans within the loan portfolio and current and forecasted economic conditions, among other factors; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of the extensive level of regulation and supervision to which we and Fulton Bank, N.A. (&ldquo;Fulton Bank&rdquo;) are subject;
    </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">changes
    in law, regulation and government policy, which could result in significant changes in banking and financial services regulation;
    </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    continuing impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act on our business and results of operations; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    potential for negative consequences resulting from regulatory violations, investigations and examinations, including potential supervisory
    actions, the assessment of fines and penalties, the imposition of sanctions, the need to undertake remedial actions and possible
    damage to our reputation; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of adverse outcomes in litigation and governmental or administrative proceedings; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of changes in U.S. federal, state or local tax laws; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of the significant amounts of time and expense associated with regulatory compliance and risk management; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to realize anticipated reductions in non-interest expense and increases in revenue from strategic initiatives implemented
    from time to time intended to simplify our operating model, improve our relationship banking focus, increase productivity and enhance
    the customer experience; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">completed
    and potential acquisitions may affect costs and we may not be able to successfully integrate the acquired business or realize the
    anticipated benefits from such acquisitions; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">geopolitical
    conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or
    threats of terrorism and/or military conflicts, including the war between Russia and Ukraine and ongoing conflicts in the Middle
    East, which could impact business and economic conditions in the United States and abroad; </FONT></TD></TR>
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">public
    health crises and pandemics and their effects on the economic and business environments in which we operate, including on our credit
    quality and business operations, as well as the impact on general economic and financial market conditions; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to achieve our growth plans; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to attract and retain talented personnel; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of competition from financial service companies and other companies offering bank services; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to keep pace with technological changes; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    reliance on our subsidiaries for substantially all of our revenues and our ability to pay dividends or other distributions; </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    effects of negative publicity on our reputation; and </FONT></TD></TR>
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">other
    factors that may affect our future results. </FONT></TD></TR>
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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b003"></A>WHERE
YOU CAN FIND MORE INFORMATION </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We file annual, quarterly and current
reports, proxy statements and other information with the SEC. Our SEC filings are available to the public on the SEC&rsquo;s website
at www.sec.gov and on the investor relations page of our website at www.fultonbank.com. Except for those SEC filings incorporated by
reference in this prospectus, none of the other information on these websites constitutes a part of this prospectus.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">In this prospectus, as permitted
by law, we &ldquo;incorporate by reference&rdquo; information from other documents that we file with the SEC. This means that we can
disclose important information to you by referring you to those documents. The information incorporated by reference is considered to
be a part of this prospectus and should be read with the same care. When we update the information contained in documents that have been
incorporated by reference by making future filings with the SEC, the information incorporated by reference in this prospectus is considered
to be automatically updated and superseded. In other words, in case of a conflict or inconsistency between information contained in this
prospectus and information incorporated by reference into this prospectus, you should rely on the information contained in the document
that was filed later.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We incorporate
by reference the documents listed below and any documents we file with the SEC in the future under Sections 13(a), 13(c), 14, or 15(d)
of the Securities Exchange Act of 1934 (the &ldquo;Exchange Act&rdquo;) until the completion of the offering of securities under this
prospectus (other than information in such additional documents that is deemed under the Exchange Act, in accordance with the Exchange
Act and SEC rules, to be &ldquo;furnished&rdquo; and not filed with the SEC):</FONT></P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    Annual Report on <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000014/fult-20241231.htm">Form 10-K</a> for the year ended December&nbsp;31, 2024, filed February&nbsp;28, 2025.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    Quarterly Reports on Form 10-Q for the periods ended March&nbsp;31, 2025, filed <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000020/fult-20250331.htm">May&nbsp;9, 2025</a> and June&nbsp;30, 2025, filed <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000048/fult-20250630.htm">August&nbsp;8, 2025.</a></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    definitive Proxy Statement on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000120677425000193/fult4408611-def14a.htm">Schedule 14A</a> for the 2025 Annual Meeting of Shareholders, filed on April&nbsp;1, 2025 (solely to the
    extent incorporated by reference into Part III of our Annual Report on Form 10-K for the fiscal year ended December&nbsp;31, 2024).
    </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    current Reports on Form 8-K to the extent filed and not furnished with the SEC on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000008/fult-20250131.htm">January&nbsp;31, 2025</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000025/fult-20250520.htm">May&nbsp;20, 2025</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000027/fult-20250522.htm">May&nbsp;22, 2025</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000041/fult-20250723.htm">July&nbsp;23, 2025</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/700564/000070056425000044/fult-20250728.htm">August&nbsp;1, 2025.</a> </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    current Report on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000700564/000070056425000013/fult-20240426.htm">Form 8-K/A</A> filed with the SEC on February&nbsp;28, 2025. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    description of our common stock contained in <A HREF="https://www.sec.gov/Archives/edgar/data/700564/000070056420000014/exhibit47descriptionof.htm">Exhibit 4.7</A> to our Annual Report on Form 10-K for the year ended December&nbsp;31, 2019,
    filed with the SEC on February&nbsp;21, 2020. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">You may request a copy of any of
these filings, other than an exhibit to a filing unless that exhibit is specifically incorporated by reference into that filing, at no
cost, by writing to or telephoning us at the following address:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">Fulton Financial
Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">One Penn Square</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">P.O. Box 4887</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">Lancaster, Pennsylvania
17604</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">Attention: Corporate
Secretary</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">(717)
291-2411</FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b004"></A>ABOUT
FULTON FINANCIAL CORPORATION </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Fulton Financial is a Pennsylvania
corporation and a registered financial holding company that maintains its headquarters in Lancaster, Pennsylvania. Through our banking
subsidiary, Fulton Bank, we deliver financial services primarily within our five-state market area, comprised of Pennsylvania, Delaware,
Maryland, New Jersey and Virginia. As of June&nbsp;30, 2025, Fulton Financial had, on a consolidated basis, total assets of $32&nbsp;billion,
loans and leases, net of unearned income of $24&nbsp;billion, total deposits of $26.1&nbsp;billion and total shareholders&rsquo; equity
of $3.3&nbsp;billion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">Our principal executive offices are
located at One Penn Square, Lancaster, Pennsylvania 17604, and our telephone number is (717) 291-2411. Our common stock is traded on
the NASDAQ Global Select Market under the symbol &ldquo;FULT.&rdquo; Our website address is www.fultonbank.com. This website address
is not intended to be an active link, and information on our website is not incorporated in, and should not be construed to be part of,
this prospectus supplement.</FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b005"></A>RISK
FACTORS </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">Investing in our securities involves
certain risks. Before you invest in any of our securities, in addition to the other information included in, or incorporated by reference
into, this prospectus, you should carefully consider the risk factors contained in Item 1A under the caption &ldquo;Risk Factors&rdquo;
and elsewhere in our most recent Annual Report on Form 10-K for the year ended December&nbsp;31, 2024, which is incorporated into this
prospectus by reference, and as updated by our annual and quarterly reports for subsequent fiscal years or quarters that we file with
the SEC. See &ldquo;Where You Can Find More Information&rdquo; for information about how to obtain a copy of these documents. You should
also carefully consider the risks and other information that may be contained in, or incorporated by reference into, any prospectus supplement
relating to specific offerings of securities. Additional risks and uncertainties not presently known to us or that we currently deem
immaterial may also materially and adversely affect our business, financial condition and results of operations.</FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b006"></A>USE
OF PROCEEDS </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">We intend to use the net proceeds
from the sale of any securities offered under this prospectus for general corporate purposes, unless otherwise specified in the applicable
prospectus supplement.</FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b007"></A>PLAN
OF DISTRIBUTION </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may use this prospectus to offer
securities from time to time in one or more offerings. The applicable prospectus supplement will describe the amounts, prices and detailed
terms of the securities and may describe risks associated with an investment in the securities. We will also include in the prospectus
supplement, where applicable, information about material U.S. federal income tax considerations relating to the securities. Terms used
in this prospectus will have the meanings described in this prospectus unless otherwise specified.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may offer and sell all or a portion
of the securities covered by this prospectus from time to time, together or separately, in one or more or any combination of the following
transactions: (i)&nbsp;on the NASDAQ Global Select Market, in the over-the-counter market or on any other national securities exchange
on which our securities are listed or traded; (ii)&nbsp;in privately negotiated transactions; (iii)&nbsp;in underwritten transactions;
(iv)&nbsp;in a block trade in which a broker-dealer will attempt to sell the offered securities as agent but may purchase and resell
a portion of the block as principal to facilitate the transaction; (v)&nbsp;through purchases by a broker-dealer as principal and resale
by the broker-dealer for its account pursuant to this prospectus; (vi)&nbsp;in ordinary brokerage transactions and transactions in which
the broker solicits purchasers; (vii) &ldquo;at the market&rdquo; or through market makers or into an existing market for the securities;
and (viii)&nbsp;through any other method permitted by applicable law.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may sell the securities at prices
then prevailing, related to the then-prevailing market price or at negotiated prices. The offering price of the securities from time
to time will be determined by us, and, at the time of the determination, may be higher or lower than the market price of our securities
on the NASDAQ Global Select Market or any other exchange or market.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Securities may be sold directly or
through broker-dealers acting as principal or agent, or pursuant to a distribution by one or more underwriters on a firm commitment or
best-efforts basis. We may also enter into hedging transactions with broker-dealers. In connection with such transactions, broker-dealers
of other financial institutions may engage in short sales of our securities in the course of hedging the positions they assume with us.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">In connection with an underwritten
offering, underwriters or agents may receive compensation in the form of discounts, concessions or commissions from purchasers of the
offered securities for whom they may act as agents. In addition, underwriters may sell the securities to or through dealers, and those
dealers may receive compensation in the form of discounts, concessions or commissions from the underwriters and/or commissions from the
purchasers for whom they may act as agents. Any underwriters, dealers or agents participating in a distribution of the securities may
be deemed to be &ldquo;underwriters&rdquo; within the meaning of the Securities Act, and any commissions received by broker-dealers may
be deemed to be underwriting commissions under the Securities Act.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">To facilitate the offering of securities
covered by this prospectus, certain persons participating in the offering may engage in transactions that stabilize, maintain or otherwise
affect the price of our securities. This may include over-allotments or short sales of our securities, which involve the sale by persons
participating in the offering of more securities than we sold to them. In these circumstances, these persons would cover such over-allotments
or short positions by making purchases in the open market or by exercising their over-allotment option, if any. In addition, these persons
may stabilize or maintain the price of our securities by bidding for or purchasing our securities in the open market or by imposing penalty
bids, whereby selling concessions allowed to dealers participating in the offering may be reclaimed if securities sold by them are repurchased
in connection with stabilization transactions. The effect of these transactions may be to stabilize or maintain the market price of our
securities at a level above that which might otherwise prevail in the open market. These transactions may be discontinued at any time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">We may agree to indemnify an underwriter,
broker-dealer or agent against certain liabilities related to the sale of the securities, including liabilities under the Securities
Act.</FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">At the time we enter any material arrangement
with an underwriter or broker-dealer for the sale of securities through a block trade, special offering, exchange distribution, secondary
distribution or a purchase by an underwriter or broker-dealer, we will file a supplement to this prospectus, if required, pursuant to
Rule 424(b) of the Securities Act, disclosing certain material information, including:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    number of securities being offered; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    terms of the offering; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    names of the participating underwriters, broker-dealers or agents; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    discounts, commissions or other compensation paid to underwriters or broker-dealers and any discounts, commissions or concessions
    allowed or reallowed or paid by any underwriters to dealers; </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    public offering price; and </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">other
    material terms of the offering. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">To the extent required, this prospectus
may be amended and/or supplemented from time to time to describe a specific plan of distribution.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">In the ordinary course of their business
activities, any underwriter, broker-dealer or agent and their respective affiliates may make or hold a broad array of investments and
actively trade debt and equity securities (or related derivative securities) and financial instruments (including bank loans) for their
own account and for the accounts of their customers and may at any time hold long and short positions in such securities and instruments.
Such investment and securities activities may involve our securities and other instruments. Any underwriter, broker-dealer or agent and
their respective affiliates may also engage in transactions with or perform services for us or provide other types of financing to us
in the ordinary course of their business.</FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b008"></A>SUMMARY
OF THE SECURITIES WE MAY OFFER </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may use this prospectus to offer
securities from time to time in one or more offerings. The applicable prospectus supplement will describe the amounts, prices and detailed
terms of the securities and may describe risks associated with an investment in the securities. We will also include in the prospectus
supplement, where applicable, information about material U.S. federal income tax considerations relating to the securities. Terms used
in this prospectus will have the meanings described in this prospectus unless otherwise specified.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may offer and sell the securities
to or through one or more underwriters, dealers or agents or directly to purchasers. We, as well as any agents acting on our behalf,
reserve the sole right to accept or to reject in whole, or in part, any proposed purchase of our securities. Each prospectus supplement
will set forth the names of any underwriters, dealers or agents involved in the sale of our securities described in that prospectus supplement
and any applicable fee, commission or discount arrangements with them.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">This prospectus may not be used to
sell securities unless accompanied by the applicable prospectus supplement.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Common
Stock </I></B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Our Amended and Restated Articles
of Incorporation authorize us to issue up to 600,000,000 shares of common stock, par value $2.50 per share. Each share of outstanding
common stock entitles the holder to one vote per share. Our common stock is not convertible into any other shares of our capital stock.
We may sell shares of our common stock pursuant to this prospectus. In a prospectus supplement, we will describe the aggregate number
of shares offered and the offering price or prices of the shares.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Preferred
Stock; Depositary Shares </I></B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Our board of directors is authorized
pursuant to our Amended and Restated Articles of Incorporation, without approval of the holders of common stock, to issue up to 10,000,000
shares of preferred stock, without par value, from time to time without series or in one or more series in such number and to fix by
resolution such voting rights (which may be full, limited, multiple, fractional or withheld altogether), designation, preferences, qualifications,
limitations, restrictions, privileges, options, redemption rights, conversion rights, and other special or relative rights of such class
or any series thereof. In a prospectus supplement, we will describe the specific designation, the aggregate number of shares offered,
the dividend rate or manner of calculating the dividend rate, the dividend periods or manner of calculating the dividend periods, the
ranking of the shares of the series with respect to dividends, liquidation and dissolution, the liquidation preference of the shares
of the series, the voting rights of the shares of the series, if any, whether and on what terms the shares of the series will be convertible
or exchangeable, whether and on what terms we can redeem the shares of the series, whether we will offer depositary shares representing
shares of the series and, if so, the fraction or multiple of a share of preferred stock represented by each depositary share, whether
we will list the preferred stock or depositary shares on a securities exchange and any other specific terms of the series of preferred
stock.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Debt
Securities&mdash;Senior Debt Securities and Subordinated Debt Securities </I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">We may sell debt securities, including
senior debt securities and subordinated debt securities, which may be senior or subordinated in priority of payment. We will provide
a prospectus supplement that describes the ranking, whether senior or subordinated, the level of seniority or subordination (as applicable),
the specific designation, the aggregate principal amount, the purchase price, the maturity, the redemption terms, the interest rate or
manner of calculating the interest rate, the time of payment of interest, if any, the terms for any conversion or exchange, if any, including
the terms relating to the adjustment of any conversion or exchange mechanism, the listing, if any, on a securities exchange and any other
specific terms.</FONT></P>
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">As
required by U.S. federal law for all bonds and notes of companies that are publicly offered, our debt securities will be governed by
a document called an indenture. Senior debt securities will be issued in one or more series under the senior debt securities
indenture (the &ldquo;Senior Indenture&rdquo;), between Wilmington Trust, National Association (&ldquo;Wilmington Trust&rdquo;), as
trustee, and us with the specific terms and conditions set forth in a supplemental indenture or company order. Subordinated debt
securities will be issued in one or more series under the subordinated debt securities indenture (the &ldquo;Subordinated
Indenture&rdquo;), between Wilmington Trust, as trustee, and us with the specific terms and conditions set forth in a supplemental
indenture or company order.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Forms of the Senior Indenture and
the Subordinated Indenture are each filed as an exhibit to the registration statement of which this prospectus is a part.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Warrants
</I></B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may sell warrants to purchase our
common stock, preferred stock, or debt securities. In a prospectus supplement, we will inform you of the exercise price and other specific
terms of the warrants, including whether our or your obligations, if any, under any warrants may be satisfied by delivering or purchasing
the underlying securities or their cash value.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Purchase
Contracts </I></B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">We may issue purchase contracts, including
contracts obligating holders to purchase from, or to sell to, us, and obligating us to sell to, or to purchase from, the holders, a specified
number of shares of our common stock, preferred stock or depositary shares at a future date or dates. The price per share of common stock,
preferred stock or depositary shares and the number of shares of each may be fixed at the time the purchase contracts are issued or may
be determined by reference to a specific formula set forth in the purchase contracts. The applicable prospectus supplement will describe
the terms of the purchase contracts, including, if applicable, collateral or depositary arrangements.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Units
</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">We may issue
units consisting of one or more purchase contracts and beneficial interests in any of our securities described in the applicable prospectus
supplement, securing the holders&rsquo; obligations to purchase the common stock, preferred stock or depositary shares under the purchase
contracts. The applicable prospectus supplement will describe the terms of the units, including, if applicable, collateral or depositary
arrangements.</FONT></P>

<!-- Field: Page; Sequence: 16 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 6pt; border-bottom: Gainsboro 2pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b009"></A>LEGAL
MATTERS </B></FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt"><FONT STYLE="font-size: 10pt">Unless otherwise indicated in the
applicable prospectus supplement, the validity of the securities offered by us from time to time will be passed upon for us by Holland&nbsp;&amp;
Knight LLP. Certain legal matters in connection with an offering pursuant to this prospectus will be passed upon for the underwriters
and/or agents by a law firm named in the applicable prospectus supplement.</FONT></P>

<P STYLE="text-indent: 0pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="e26227b010"></A>EXPERTS
</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">The consolidated financial statements
of Fulton Financial Corporation and subsidiaries as of December&nbsp;31, 2024 and 2023, and for each of the years in the three-year period
ended December&nbsp;31, 2024, and management&rsquo;s assessment of the effectiveness of internal control over financial reporting as
of December&nbsp;31, 2024 have been incorporated by reference herein and in the registration statement in reliance upon the report of
KPMG LLP, independent registered public accounting firm, incorporated by reference herein, and upon the authority of said firm as experts
in accounting and auditing.</FONT></P>

<!-- Field: Page; Sequence: 17 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0pt; margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>


<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 0; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 4pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><FONT STYLE="font-size: 16pt">$&#9;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; color: Red"><IMG SRC="fult_logo.jpg" ALT="" STYLE="height: 93px; width: 400px"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 16pt">%
Fixed-to-Floating Rate Subordinated Notes due 2036</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-right: 0pt; margin-bottom: 0pt; margin-left: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="margin: 0pt; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 12pt">PROSPECTUS
SUPPLEMENT</FONT></P>
<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 10pt; text-align: center"><FONT STYLE="font-size: 12pt; font-weight: normal"><I><U>Joint
Bookrunning Managers</U></I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><FONT STYLE="font-size: 10pt; font-weight: normal"><I></I></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 12pt"><B>Piper
    Sandler</B></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 0in"><FONT STYLE="font-size: 12pt"><B>J.P.
    Morgan</B></FONT></td></tr>
</table>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: center"><FONT STYLE="font-size: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;,
2026</FONT></P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; border-bottom: Black 4pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 6pt; border-bottom: Gainsboro 2pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>

<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif"></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
