Fulton Financial lost instrument bonds.
Quote on review.

A shareholder who lost a paper Fulton Financial Corporation stock certificate, or one from a bank Fulton acquired, may need a sufficient indemnity bond before Fulton replaces it under Pennsylvania law. Fulton sets the amount, not a statute, so a surety specialist sizes and quotes the bond, usually within one business day.

✓

Required before replacement under 13 Pa.C.S. § 8405, Pennsylvania’s UCC rule for lost, destroyed, or wrongfully taken certificates

✓

Filed with Fulton through its transfer agent, Fulton Financial Advisors, a division of Fulton Bank, N.A., in Lancaster, PA

✓

Amount set by Fulton or its exchange agent — underwritten on your file, collateral may apply on large positions

Underwrittenissuer sets the amountSoft pull onlynever a hard inquiry1 daytypical specialist reply

Trusted by industry leaders

How it works

Built around Fulton’s replacement request.

Fulton’s transfer agent will not reissue shares until the bond it asks for is on file. Here is the whole process, start to finish:

TODAY · ONE APPLICATION

Send us the certificate details

Apply online with what happened to the certificate, the number of shares and certificate numbers, and the name and address of the institution requiring the bond. Tell us the amount Fulton or its transfer agent has asked for, if you already have it.

WITHIN 1 BUSINESS DAY

A surety specialist underwrites it

A specialist reviews the lost shares, the amount Fulton requires, and your file, then returns a quote. The application includes a soft-pull credit consent that never affects your score. Large positions can require collateral, and we tell you before you commit.

ON APPROVAL

Execute & deliver to Fulton

Once you bind, we issue the executed indemnity bond with the power of attorney attached, ready to deliver to Fulton Financial Advisors alongside the affidavit of loss and any other paperwork Fulton requires.

About this bond

What it is and who needs it.

What the Fulton lost instrument bond actually guarantees

A paper stock certificate is a bearer of value. If it is lost, destroyed, or stolen, the owner can ask the issuer for a replacement — but the issuer now faces a real risk: the original could turn up in the hands of a protected purchaser who bought it in good faith, and the issuer would then have two sets of shares outstanding against one position. The lost instrument bond is what covers that risk.

Fulton Financial Corporation is a Pennsylvania corporation, so Pennsylvania’s version of the Uniform Commercial Code governs how it replaces certificates. Under 13 Pa.C.S. § 8405(a), the issuer must issue a new certificate if the owner asks before the issuer has notice that a protected purchaser acquired the original, files a sufficient indemnity bond, and meets any other reasonable requirements the issuer sets. Fulton serves as its own transfer agent through Fulton Financial Advisors, a division of Fulton Bank, N.A., at One Penn Square in Lancaster, so that is where the paperwork goes.

The bond also reaches old certificates from banks Fulton has acquired. Fulton’s November 24, 2025 merger agreement with Blue Foundry Bancorp provides that a holder of a lost, stolen, or destroyed old certificate makes an affidavit and, if Fulton or the exchange agent requires it, posts a bond in the amount they decide is reasonably necessary before the new Fulton shares are issued. It is not insurance for you — if the surety ever pays Fulton, you repay the surety. It is also not the route for a lost Fulton Bank cashier’s or certified check, which Fulton handles through its own declaration-of-loss process.

13 Pa.C.S. § 8405 / Fulton–Blue Foundry Merger Agreement § 2.2(h)Under 13 Pa.C.S. § 8405(a), if an owner of a certificated security claims that the certificate has been lost, destroyed or wrongfully taken, the issuer shall issue a new certificate if the owner requests it before the issuer has notice that the certificate has been acquired by a protected purchaser, files with the issuer a sufficient indemnity bond, and satisfies other reasonable requirements imposed by the issuer. Section 8405(b) provides that if a protected purchaser of the original later presents it for registration of transfer, the issuer must register the transfer unless an overissue would result, and the issuer may recover the new certificate from the person it was issued to, which is the exposure the bond indemnifies. Under 13 Pa.C.S. § 8406, an owner who fails to notify the issuer within a reasonable time after learning of the loss, where the issuer registers a transfer before notice, may not assert a claim to a new certificate under § 8405. For old certificates exchanged in a Fulton acquisition, § 2.2(h) of the Agreement and Plan of Merger between Fulton Financial Corporation and Blue Foundry Bancorp, dated November 24, 2025, lets Fulton or the exchange agent require a bond in the amount it determines is reasonably necessary, consistent with its customary procedure. Confirm the exact amount and form with Fulton Financial Advisors before applying.

You need this bond if you’re

✓

A Fulton Financial shareholder whose paper FULT stock certificate was lost, destroyed, or stolen

✓

A holder of an old certificate from a bank Fulton acquired, now being exchanged for Fulton shares

✓

An executor, heir, or trustee who cannot find the certificates in an estate or trust holding Fulton stock

✓

An advisor or attorney arranging the indemnity bond so Fulton’s transfer agent can reissue the shares

One application, one underwriting review.

These are the actual underwriting fields — what happened to the certificate, the shares and certificate numbers, the institution requiring the bond, and your details. Submit once and a surety specialist reviews everything together and returns a quote, typically within one business day. Free until your bond is issued.

Start the application →

FAQ

Common questions.

What is a Fulton Financial lost instrument bond?It is the indemnity bond a Fulton Financial Corporation shareholder files so Fulton will replace a lost, destroyed, or stolen stock certificate. Because Fulton is a Pennsylvania corporation, 13 Pa.C.S. § 8405 applies: the issuer replaces the certificate once the owner requests it in time, files a sufficient indemnity bond, and meets Fulton’s other reasonable requirements. The bond protects Fulton if the original certificate later surfaces with a good-faith buyer.

Who sets the bond amount?Fulton does, usually through its transfer agent, Fulton Financial Advisors. The statute asks only for a sufficient bond and sets no figure. For old Blue Foundry certificates exchanged in Fulton’s April 2026 merger, the merger agreement lets Fulton or the exchange agent set the amount it decides is reasonably necessary under its customary procedure. We size and underwrite the bond to whatever figure Fulton gives you.

Will I need to post collateral?Sometimes. Because the bond can stay exposed for as long as the original certificate might resurface, a large share position or a thin file can call for collateral such as cash or a letter of credit. Many smaller replacements need none. A surety specialist tells you what your file requires before you commit.

Is there a credit check?The application includes a credit consent, but it authorizes a soft credit pull only — a soft inquiry that never affects your score. No hard inquiry ever runs on this bond.

How long do I have to report the lost certificate?Act promptly. Under 13 Pa.C.S. § 8406, if you fail to notify the issuer within a reasonable time after learning of the loss and the issuer registers a transfer of the shares before it hears from you, you lose your claim to a new certificate under § 8405. Contact Fulton Financial Advisors first, then send us the details so the bond is ready when they ask for it.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other Federal bonds.

Replace your Fulton shares.

Send us the certificate details and the amount Fulton asked for, and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until issued.

Start application

PricingOn review

Apply now →

Fulton Financial lost instrument bonds.Quote on review.