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Fulton Bank

Officers & Directors

Officers & Directors

Senior Management

E. Philip Wenger
E. Philip Wenger
Chairman and Chief Executive Officer
E. Philip Wenger Mr. Wenger became Chairman of the Board and Chief Executive Officer of Fulton Financial Corporation effective on January 1, 2013. He also served as President from 2008 to 2017, and Chief Operating Officer of Fulton Financial Corporation from 2008 to 2012. Mr. Wenger was a director of Fulton Bank from 2003 to 2009, Chairman of Fulton Bank from 2006 to 2009 and has been employed by Fulton in a number of positions since 1979.

In addition, Mr. Wenger currently serves on the Board of Directors for the Pennsylvania Chamber of Commerce, the Economic Development Company of Lancaster County, and as a member of the Penn State Harrisburg Board of Advisers. Mr. Wenger is also a member of the Operation HOPE Global board of directors, a global financial dignity and economic empowerment nonprofit corporation. He is a past chair of the Lancaster Chamber of Commerce, past chair of the Advisory Board of Stonier Graduate School of Banking, past member of the American Bankers Association board of directors, a former board member of the Lancaster County YMCA Foundation and Crispus Attucks Community Center. Since 2019, he has been a director of Burnham Holdings, Inc., the parent company of fourteen subsidiaries that are leading domestic manufacturers of boilers and related HVAC products and accessories (including furnaces, radiators and air conditioning systems), for residential, commercial and industrial applications.

Mr. Wenger possesses an extensive knowledge of the many aspects of banking operations through more than thirty years of experience in the financial services industry. He has gained valuable insight through his experience in different banking areas, including retail banking, commercial banking, bank operations and systems.
Curtis J. Myers
Curtis J. Myers
President and COO - Fulton Financial
Chairman and CEO - Fulton Bank
Curtis J. Myers Mr. Myers has been the President and Chief Operating Officer of Fulton since January 1, 2018. He first became an executive officer of Fulton in July 2013 and has held a number of executive positions with Fulton Bank since 1990.

He is also the Chairman, Chief Executive Officer, Chief Operating Officer and President of Fulton Bank. He was promoted to Chairman and Chief Executive Officer in May 2018 and became the President and Chief Operating Officer of Fulton Bank in 2009. He has served as a director of Fulton Bank since 2009.

Mr. Myers has participated in a number of industry organizations and has been active in the local community for many years. He has been involved with the Pennsylvania Bankers Association, is a past chair of the American Heart Association of Lancaster County, a past board member of the YMCA of Lancaster County, and a past board member of the United Way of Lancaster County. He has served as the Treasurer of the Fulton Theatre Company since 2011, a director of TEC Centro since 2017, and is the current chair of the Salvation Army (Lancaster) and has been a director of this local non-profit since 1995. Starting in 2019, Mr. Myers joined the Operation HOPE Northeast Advisory Board and the ABA Stonier Graduate School of Banking Advisory Board.

Mr. Myers brings a myriad of banking knowledge, executive leadership, financial expertise and other valuable skills to Fulton’s Board of Directors. He holds a Bachelor of Science in Business Administration from Shippensburg University and a Master’s degree in Business Administration from Saint Joseph’s University. He is also a graduate of the Stonier Graduate School of Banking.
Meg R. Mueller
Meg R. Mueller
Senior Executive Vice President / Head – Commercial Banking
Meg R. Mueller Meg Mueller joined Great Valley Savings Bank, now Fulton Bank, N.A., in 1996 as vice president and senior commercial lending officer. She has held the positions of senior vice president/correspondent banker and senior vice president/manager of correspondent banking. In 2009, she joined the Credit Administration department as senior vice president of credit administration and correspondent banking services. In 2010, Mueller was promoted to executive vice president and chief credit officer. In 2013, she was promoted to senior executive vice president and joined the FFC senior management team. In 2018, Mueller was tapped to lead Commercial Banking at FFC, providing dedicated leadership to the full line of business.
Angela M. Sargent
Angela M. Sargent
Senior Executive Vice President / Chief Information Officer and Information Technology Manager
Angela M. Sargent Angie Sargent joined Fulton Bank in 1992 as product specialist/personal computing. She has held various positions including, senior product specialist and business technology manager. In 1997, she was promoted to vice president of business technology and telecommunication manager. Sargent has also held the positions of vice president/business technology manager and senior vice president/chief information officer of operations and information technology manager. In 2006, she was promoted to executive vice president/chief information officer of operations and information technology manager. In 2013, she was promoted to senior executive vice president and joined the FFC senior management team.
Betsy Chivinski
Betsy Chivinski
Senior Executive Vice President and Chief Risk Officer
Betsy Chivinski Betsy Chivinski joined Fulton Financial Corporation in 1994 as vice president and controller. In 2004, she was promoted to executive vice president and controller. In 2013, Chivinski was named chief audit executive. In 2014, she was promoted to senior executive vice president and chief audit executive. In 2016, she became senior executive vice president and chief risk officer and joined the FFC senior management team.
Dave Campbell
Dave Campbell
Senior Executive Vice President / Strategic Initiatives and Operations FFC
Dave Campbell Dave Campbell joined Fulton in 2009 as chief administrative officer of Fulton Financial Advisors. In 2010, he was promoted to president of FFA. In 2015, Campbell was tapped for a new role, leading the Strategic Initiatives and Operations group for Fulton Financial Corporation. In 2018, Dave was promoted to FFC’s senior management team. Dave has more than 30 years of experience in financial services.
Mark McCollom
Mark McCollom
Senior Executive Vice President / Chief Financial Officer
Mark McCollom Mark McCollom joined Fulton Financial Corporation in 2017 as senior executive vice president and chief financial officer designee. As an experienced CFO and strategic financial advisor, McCollom brings more than 30 years of financial services experience to Fulton.
Angela Snyder
Angela Snyder
Senior Executive Vice President / Head – Consumer Banking
Angela Snyder In 2002, Angela Snyder began her career with Fulton as President of Woodstown National Bank, now Fulton Bank of New Jersey. Snyder serves as Chairwoman, CEO and President of Fulton Bank of New Jersey. In 2015, Snyder added the role of director of change management, establishing the company’s Office of Change Management. She served as the Chairwoman of the New Jersey Bankers Association in 2017. Snyder was promoted to her current position of head – consumer banking and joined the senior management team in 2018. She has more than 30 years of experience in the financial services industry.
Dan Stolzer
Dan Stolzer
Senior Executive Vice President / Chief Legal Officer and Corporate Secretary
Dan Stolzer Dan Stolzer began his career with a large New York law firm and then served as deputy general counsel and chief counsel at several large regional bank holding companies. He joined Fulton Financial Corporation in 2013 as General Counsel and Corporate Secretary. In 2018, he was promoted to his current position of Chief Legal Officer and Corporate Secretary of Fulton Financial Corporation. Stolzer has more than 30 years of experience working in financial services law.
Bernadette M. Taylor
Bernadette M. Taylor
Senior Executive Vice President / Chief Human Resources Officer
Bernadette M. Taylor Bernadette Taylor started her career at Fulton Financial Corporation in 1994 as corporate training director. In 2001, she was promoted to senior vice president of employee services. She also served as executive vice president of employee services, employment, and director of human resources before her promotion in 2015 to Chief Human Resources Officer. Taylor was promoted to the senior management team in 2018.

Directors

E. Philip Wenger
E. Philip Wenger
Chairman and Chief Executive Officer
E. Philip Wenger Mr. Wenger became Chairman of the Board and Chief Executive Officer of Fulton Financial Corporation effective on January 1, 2013. He also served as President from 2008 to 2017, and Chief Operating Officer of Fulton Financial Corporation from 2008 to 2012. Mr. Wenger was a director of Fulton Bank from 2003 to 2009, Chairman of Fulton Bank from 2006 to 2009 and has been employed by Fulton in a number of positions since 1979.

In addition, Mr. Wenger currently serves on the Board of Directors for the Pennsylvania Chamber of Commerce, the Economic Development Company of Lancaster County, and as a member of the Penn State Harrisburg Board of Advisers. Mr. Wenger is also a member of the Operation HOPE Global board of directors, a global financial dignity and economic empowerment nonprofit corporation. He is a past chair of the Lancaster Chamber of Commerce, past chair of the Advisory Board of Stonier Graduate School of Banking, past member of the American Bankers Association board of directors, a former board member of the Lancaster County YMCA Foundation and Crispus Attucks Community Center. Since 2019, he has been a director of Burnham Holdings, Inc., the parent company of fourteen subsidiaries that are leading domestic manufacturers of boilers and related HVAC products and accessories (including furnaces, radiators and air conditioning systems), for residential, commercial and industrial applications.

Mr. Wenger possesses an extensive knowledge of the many aspects of banking operations through more than thirty years of experience in the financial services industry. He has gained valuable insight through his experience in different banking areas, including retail banking, commercial banking, bank operations and systems.
Curtis J. Myers
Curtis J. Myers
President and COO - Fulton Financial
Chairman and CEO - Fulton Bank
Curtis J. Myers Mr. Myers has been the President and Chief Operating Officer of Fulton since January 1, 2018. He first became an executive officer of Fulton in July 2013 and has held a number of executive positions with Fulton Bank since 1990.

He is also the Chairman, Chief Executive Officer, Chief Operating Officer and President of Fulton Bank. He was promoted to Chairman and Chief Executive Officer in May 2018 and became the President and Chief Operating Officer of Fulton Bank in 2009. He has served as a director of Fulton Bank since 2009.

Mr. Myers has participated in a number of industry organizations and has been active in the local community for many years. He has been involved with the Pennsylvania Bankers Association, is a past chair of the American Heart Association of Lancaster County, a past board member of the YMCA of Lancaster County, and a past board member of the United Way of Lancaster County. He has served as the Treasurer of the Fulton Theatre Company since 2011, a director of TEC Centro since 2017, and is the current chair of the Salvation Army (Lancaster) and has been a director of this local non-profit since 1995. Starting in 2019, Mr. Myers joined the Operation HOPE Northeast Advisory Board and the ABA Stonier Graduate School of Banking Advisory Board.

Mr. Myers brings a myriad of banking knowledge, executive leadership, financial expertise and other valuable skills to Fulton’s Board of Directors. He holds a Bachelor of Science in Business Administration from Shippensburg University and a Master’s degree in Business Administration from Saint Joseph’s University. He is also a graduate of the Stonier Graduate School of Banking.
James R. Moxley III
James R. Moxley III
Independent Director and Lead Director
James R. Moxley III Mr. Moxley currently serves as Fulton’s Lead Director. In addition to being a director of Fulton, prior to joining the Fulton Bank board in 2019, Mr. Moxley was a director of The Columbia Bank since 1999. He is admitted and licensed to practice law in Maryland and a former real estate attorney with Venable, Baetjer and Howard, now known as Venable LLP (law firm). Since 1992, Mr. Moxley has served as a Principal of Security Development Corporation (a Washington-Baltimore real estate land development company engaged primarily in retail and multifamily projects).

He is a past Board Chair and has been a trustee of Glenelg Country School from 1996 to present. He has also served as a trustee of the Howard Hospital Foundation from 2014 to present, as a Founding Director of the Real Estate Charitable Foundation of Maryland from 2015 to present, and is active on numerous civic boards and committees in Maryland.

Mr. Moxley received a J.D. degree and A.B. in Economics (magna cum laude) from Duke University. He has completed the requirements and has been recognized by the NACD as a Board Leadership Fellow since 2017. Mr. Moxley brings banking expertise to Fulton’s Board of Directors that he gained as a director of The Columbia Bank. He also has extensive business, tax, and legal experience related to the acquisition, financing, and development of commercial and residential real estate. Mr. Moxley’s longstanding board service at Fulton Bank and its predecessors in Maryland also imparts corporate governance and supervisory skills.
Jennifer Craighead Carey
Jennifer Craighead Carey
Director
Jennifer Craighead Carey Ms. Craighead Carey has been a partner of Barley Snyder LLP since 2001, and chaired the firm’s Employment Law group from 2005 to 2019. She concentrates her practice in the areas of labor and employment law, as well as school law. She regularly provides advice to employers on a myriad of employment issues and has handled numerous labor arbitrations both in the public and in private sector.

She has handled cases at both the administrative level and routinely handles litigation in the Federal District Courts in both the Eastern and Middle Districts of Pennsylvania. Ms. Craighead Carey regularly practices before the Pennsylvania Human Relations Commission (PHRC) and the Equal Employment Opportunity Commission (EEOC) as well as administrative agencies throughout the country, handling all manner of discrimination and retaliation claims. Ms. Craighead Carey is a graduate of Dickinson School of Law, with a J.D., cum laude, a comment writer for the Dickinson Law Review, a member of the Woolsack Honor Society recognizing superior academic achievement, and a member of Minority Law Students Association. She has received the designation of being a “Pennsylvania Super Lawyer” from 2010 through 2019.

Ms. Craighead Carey is active in the community and currently a board member of the Lancaster City Alliance. She is a former board member of the Lancaster Chamber of Commerce & Industry and a past chair of United Way of Lancaster County. She has been a director of Fulton Bank since 2012, and has over 20 years of legal, risk management, and employment experience. In addition, she is familiar with the markets in which Fulton operates.
Lisa M. Crutchfield
Lisa M. Crutchfield
Independent Director
Lisa M. Crutchfield Lisa Crutchfield is the managing principal of Hudson Strategic Advisers, LLC, an economic analysis and strategic advisory firm serving the energy industry since 2016. She has served as a consultant to the energy industry since 2012. Prior to her entrepreneurial ventures, Ms. Crutchfield served as executive vice president and chief regulatory, risk and compliance officer for National Grid USA from 2008 to 2011. In this role, Ms. Crutchfield also served as a executive director on the board of National Grid USA. She also has served in executive leadership roles at Exelon Corporation (PECO), TIAA-CREF and Duke Energy Corporation. Ms. Crutchfield led the efforts to liberalize the electric generation and gas markets in Pennsylvania when she served as a utility regulator. Ms. Crutchfield currently serves on the board of directors of Unitil Corporation (NYSE:UTL) since 2012, Vistra Energy (NYSE:VST) since 2020 and The Main Street America Group Advisory Board since 2018.

Ms. Crutchfield brings more than 20 years of experience leading corporate teams and has extensive knowledge of the financial services industry, as she began her career as a commercial and investment banker. Moreover, she brings expertise in risk management, regulation and compliance. She earned the designation by the National Association of Corporate Directors (“NACD”) as a Governance Leadership Fellow in 2019. Ms. Crutchfield is a graduate of Yale University with a B.A. in economics and political science. She also earned an MBA from Harvard Business School, with distinction in finance.
Denise L. Devine
Denise L. Devine
Independent Director
Denise L. Devine Ms. Devine is the founder and since 2014 has served as the Chief Executive Officer of FNB Holdings, LLC, a company dedicated to initiatives in the health and wellness space. Ms. Devine was also founder and Chief Executive Officer of Nutripharm, Inc., a company that has generated a portfolio of composition and process patents to create innovative natural food, beverage, pharmaceutical and nutraceutical products that facilitate nutrition and lifelong health. Ms. Devine, a certified public accountant, also previously served as Chief Financial Officer for Energy Solutions International and in financial management positions for Campbell Soup Company. Ms. Devine has served as Chair of the Pennsylvania State Board of Accountancy and on the Board of the American Institute of CPAs. Ms. Devine was a member of the Board of Trustees of Villanova University from 2005 to 2015, where she was the Chair of the Audit and Risk Committee. She has served on the Board of Ben Franklin Technology Partners of Southeastern Pennsylvania since 2016 and was appointed to the Board of Ben Franklin Technology Development Authority in 2018. Ms. Devine has been a director of AgroFresh Solutions, Inc. (NASDAQ: AGFS) since 2018 and a director of Cubic Corporation (NYSE: CUB) since 2019.

Ms. Devine has substantial management, business and finance experience, which adds valuable outside experience to Fulton’s Board of Directors and its committees. She has completed courses and was recognized by NACD as a Board Leadership Fellow since 2016. She received an MBA from the Wharton School of the University of Pennsylvania, an M.S. in Taxation from Villanova Law School, and a B.S. in Accounting from Villanova University, where she graduated first in her class.
Steven S. Etter
Steven S. Etter
Independent Director
Steven S. Etter Since 2014, Mr. Etter has been the President and CEO of Harrisburg News Company, a division of Hudson News Distributors LLC, which is a regional magazine, book and newspaper wholesale distribution company. Prior to its consolidation with Hudson News, Mr. Etter served from 1998 to 2014 as the President and CEO of Harrisburg News Company.

A graduate of the University of Miami with a B.A. in finance and marketing, he is a member of its President’s Council, which is comprised of a select advisory group of prominent alumni. Mr. Etter also is an Emeritus Director of the Whitaker Center for Science and the Arts, a non-profit center for the arts, education, entertainment and cultural enrichment, located in Harrisburg, Pennsylvania. Mr. Etter has been active in numerous business endeavors, professional associations, charitable and community organizations during his long career, including serving as a former board member of WITF, a public radio and television station that broadcasts in central Pennsylvania.

As a Chief Executive Officer and successful business owner, Mr. Etter brings extensive business skills, financial expertise and regional market knowledge to Fulton’s Board of Directors. Mr. Etter has been a director of Fulton Bank since 2012, and prior to joining the bank board, he was a long-time member of Fulton Bank’s Harrisburg Advisory Board.
Patrick J. Freer Sr.
Patrick J. Freer Sr.
Independent Director
Patrick J. Freer Sr. Mr. Freer was a director of Lebanon Valley Farmers Bank, formerly known as Farmers Trust Bank, from 1980 until it was combined with Fulton Bank in 2007. In 2019, he rejoined the Fulton Bank Board. From 1974 to 2019, he has been employed by Strickler Insurance Agency, Inc. (insurance broker) and served as the President, since 1998, and was the Chairman until he retired in 2019. Mr. Freer is a Certified Insurance Counselor.

Mr. Freer brings to the Fulton Board of Directors extensive knowledge of insurance, investments, finance and risk management, as well as valuable knowledge of Fulton through his tenure on its Board of Directors and as a bank director from 1980 to 2007.

Mr. Freer has long been an active member in his community, helping with numerous capital campaigns and community projects. Mr. Freer has been a board member of the American Cancer Society, Lebanon County Economic Development Authority, Center of Lebanon Association and the Lebanon County Mental Health Association and has served as past president of the Lebanon County Christian Ministries and the Lebanon Valley Sertoma Club.
Carlos E. Graupera
Carlos E. Graupera
Independent Director
Carlos E. Graupera Since 1973, Mr. Graupera has been the Chief Executive Officer and Executive Director of the Spanish American Civic Association (“SACA”), a Lancaster, Pennsylvania based non-profit. SACA is a Latino founded and managed community-based organization whose mission is to enable the community it serves to integrate itself into the social, economic, and political mainstream of life. Toward this end, SACA provides case management, employment, behavioral health, services to the elderly, continuing education, vocational training, and services to at-risk youth. SACA also operates WLCH, a radio station, and TeleCentro, a cable television station, along with a number of subsidiary entities to assist in SACA’s Latino community efforts.

Mr. Graupera has been a director of the La Academia Partnership Charter School since 1999. The school is the only tuition-free charter school in Lancaster County, and offers students in grades 6 through 12 a unique opportunity to focus on 21st century learning. It has a five-year goal of becoming a dual-language school with a STEM focus.

Mr. Graupera is very active in the Lancaster community, and has substantial community development, management, business and finance experience, which provides a diverse and valuable set of outside experience and skill to Fulton’s Board of Directors and Fulton Bank where he has served as a director since 2006.
George W. Hodges
George W. Hodges
Independent Director
George W. Hodges Mr. Hodges has been a director of Fulton since 2001, and served as Fulton’s Lead Director from 2010 until June 2018. He has been a director of York Water Company (NASDAQ:YORW) from 2000 to present and served as Chairman since 2011, director of The Wolf Organization, Inc. from 2008 to 2015 (regional distributor and sourcing company of kitchen and bath products and specialty building products), a director of Burnham Holdings, Inc. from 2006 to present, the parent company of fourteen subsidiaries that are leading domestic manufacturers of boilers and related HVAC products and accessories (including furnaces, radiators and air conditioning systems), for residential, commercial and industrial applications, and has served on the boards of various for profit, non-profit and community organizations. Mr. Hodges served as non-executive Chairman of the Board of The Wolf Organization from 2008 to 2009. Prior to being Chairman, Mr. Hodges was a member of the Office of the President of The Wolf Organization from 1986 to 2008.

In addition, Mr. Hodges has served as a director of Fulton Bank N.A. since 2012 and was a director of Drovers & Mechanics Bank, until it was merged into Fulton Bank, N.A. in 2001.

Mr. Hodges brings considerable financial expertise and business knowledge to the Fulton Board of Directors, both through his business experience and service on other boards. In addition, Mr. Hodges has completed the requirements for the NACD Board Leadership Fellow Program since 2011.
Scott A. Snyder, Ph.D.
Scott A. Snyder, Ph.D.
Independent Director
Scott A. Snyder, Ph.D. Dr. Snyder is currently a Partner at Heidrick Consulting leading the Digital Transformation and Innovation Offerings for the firm. He recently served as Senior Vice President, Managing Director, and Chief Technology and Innovation Officer from August 2016 until March 2018 for Safeguard Scientifics, Inc. (NYSE:SFE), a provider of capital and relevant expertise to fuel the growth of technology-driven businesses in healthcare, financial services and digital media. From 2011 until August of 2016, he served as the president and chief strategy officer of the Boston- and Philadelphiabased Mobiquity, Inc., a mobile tech company that focuses on digital strategy and engineering enhanced mobile experiences. Since 2016, he has served as the Chair of the Mobiquity advisory board. In addition, Dr. Snyder is a senior fellow in the Management Department at the Wharton School and an adjunct faculty member in the School of Engineering and Applied Science at the University of Pennsylvania.

Dr. Snyder earned his B.S., M.S. and Ph.D. in Systems Engineering from the University of Pennsylvania, and an Executive Certificate from the University of Southern California.

Dr. Snyder brings business acumen, experience in the technology sector and leadership in digital innovation to the Fulton Board of Directors. Dr. Snyder has extensive expertise in the development of digital solutions, mobile business strategy and mobile security. In 2017, Dr. Snyder also successfully completed the NACD Cyber-Risk Oversight Program and earned a CERT Certificate in Cybersecurity Oversight, issued by the Software Engineering Institute at Carnegie Mellon University.
Ronald H. Spair
Ronald H. Spair
Independent Director
Ronald H. Spair Mr. Spair served as the Chief Financial Officer, Chief Operating Officer and a member of the Board of Directors of OraSure Technologies, Inc. (NASDAQ:OSUR), a diagnostic and medical device company headquartered in Bethlehem, Pennsylvania, since September 2006, and as Executive Vice President and Chief Financial Officer since November 2001. In June 2018, he retired from the board and as an officer of OraSure Technologies, Inc.

From 2013 to May 2018 Mr. Spair served on the board of Life Science – PA, which was formerly known as Pennsylvania Biotechnology Association, a state trade association for the life sciences community in the Commonwealth of Pennsylvania. He is a certified public accountant, a chartered global management accountant and holds an MBA from Rider College.

Mr. Spair brings his public company executive experience and financial expertise to Fulton’s Board of Directors. Mr. Spair has also had extensive experience negotiating mergers and acquisitions, development and licensing transactions and corporate financings.
Mark F. Strauss, Esq.
Mark F. Strauss, Esq.
Independent Director
Mark F. Strauss, Esq. Mr. Strauss has served as director of a Fulton Bank since 2019, as a director of Fulton Bank of New Jersey from 2011 to 2019, and as a director of Skylands Community Bank prior to its merger with Fulton Bank of New Jersey in 2011. From October 2010 to his retirement in December 2017, he served as Senior Vice President of Corporate Strategy and Business Development at American Water Works Company, Inc. (NYSE: AWK), the largest and most geographically diverse publicly traded U.S. water and wastewater utility company. Mr. Strauss was responsible for working with the senior management team to link overall strategy and major growth efforts for American Water’s regulated and competitive operations.

From December 2006 to September 2010, Mr. Strauss served as President of American Water Enterprises, which owns and operates several of American Water’s market-based businesses. In this role, Mr. Strauss oversaw American Water’s non-regulated business units that offer operations and maintenance contract services across the United States and Canada, including water and wastewater management for military bases, service-line protection programs, design, construction and operation of community onsite water and wastewater systems, and other innovative solutions that address a variety of challenges facing the industry.

Mr. Strauss has legal and executive skills and, prior to his retirement from American Water Works Company, he was also an attorney licensed to practice law in New Jersey.
Ernest J. Waters
Ernest J. Waters
Independent Director
Ernest J. Waters In addition to serving as a director of Fulton, Mr. Waters has also been a director of Fulton Bank since 2011. Mr. Waters retired from Metropolitan Edison, a FirstEnergy company, in 2009, where he served as the Area Vice President and Area Manager. Mr. Waters joined the FirstEnergy companies (an investor-owned utility) in 1976 and held various positions in Auditing and Marketing during his tenure. He also served as an expert accounting witness in setting rates before the Pennsylvania Public Utility Commission. Prior to joining the FirstEnergy companies, Mr. Waters was a public accountant and business consultant in Philadelphia. He is a former certified public accountant and holds an MBA from the University of Pittsburgh. Since 2007, Mr. Waters has served on the Board of Directors of the York Water Company (NASDAQ: YORW) where he chairs its Nominating and Corporate Governance Committee and is a member of the Audit Committee. In addition, Mr. Waters has served at leadership and committee levels with numerous community and nonprofit organizations. He is a past Chairman of the Board of York Hospital and recently completed a nine-year tenure as member of the Board, and chair of the Audit Committee for Wellspan Health, York Hospital’s parent company.

Mr. Waters has business, regulatory, leadership, board service and accounting expertise that brings valuable perspectives to Fulton’s Board of Directors. He has also completed the requirements for the NACD Board Leadership Fellow Program since 2014. In 2017, Mr. Waters also successfully completed the NACD Cyber-Risk Oversight Program and earned a CERT Certificate in Cybersecurity Oversight, issued by the Software Engineering Institute at Carnegie Mellon University.