The following presentation may contain forward-looking statements about Fulton Financial Corporation’s
financial condition, business, strategies, products and services. Forward-looking statements are encouraged
by the Private Securities Litigation Reform Act of 1995. Such forward-looking statements reflect the
Corporation’s current views and expectations based largely on information currently available to its
management, and on its current expectations, assumptions, plan, estimates, judgments, and projections about
its business and its industry, and they involve inherent risks, contingencies, uncertainties and other factors.
Although the Corporation believes that these forward-looking statements are based on reasonable estimates
and assumptions, the Corporation is unable to provide any assurance that its expectations will, in fact, occur
or that its estimates or assumptions will be correct and actual results could differ materially from those
expressed or implied by such forward-looking statements and such statements are not guarantees of future
performance. The Corporation undertakes no obligation to update or revise any forward-looking statements.
Accordingly, investors and others are cautioned not to place undue reliance on such forward-looking
statements.

Many factors could affect future financial results including, without limitation, acquisition and growth
strategies; market risk; changes or adverse developments in economic, political or regulatory conditions; a
continuation or worsening of the current disruption in credit and other markets, including the lack of or
reduced access to, and the abnormal functioning of markets for mortgage and other asset-backed securities
and for commercial paper and other short-term borrowings; the effect of competition and interest rates on net
interest margin and net interest income; investment strategy and income growth; investment securities gains;
declines in the value of securities which may result in charges to earnings; changes in rates of deposit and
loan growth; asset quality and the impact on assets from adverse changes in the economy and in credit and
other markets and resulting effects on credit risk and asset values; balances of risk-sensitive assets to risk-
sensitive liabilities; salaries and employee benefits and other expenses; amortization of intangible assets;
goodwill impairment; capital and liquidity strategies; and other financial and business matters for future periods.

For a more complete discussion of certain risks and uncertainties affecting the Corporation, please see the
sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and
Results of Operations” set forth in the Corporation’s filings with the Securities and Exchange Commission.

Forward-Looking Statement

Capital

With CPP

Without CPP

GAAP Capital

$1.86 billion

$1.48 billion

Total Risk-Based Capital

$1.85 billion

$1.48 billion

Ratios:

With CPP

Without CPP

Total Risk-Based Capital

14.25%

11.36%

Tier 1 Risk-Based Capital

11.46%

8.57%

Leverage Capital

9.57%

7.16%

Tangible Common Equity

5.97%

*Source: SNL, Median HH Income, 2008 data

Serving PA’s Strongest Markets*

County

Rank

Branches

Projected Population

Change 2008-2013 (%)

Median HH

Income 2008 ($)

Projected HH

Income Change

2008-2013 (%)

Chester, PA

7.96

87,480

22.46

Montgomery, PA

2.34

79,875

22.45

Bucks, PA

3.78

79,610

22.28

Delaware, PA

0.70

66,587

17.73

Cumberland, PA

4.81

61,897

13.45

Northampton, PA

7.38

60,429

13.16

Lancaster, PA

4.08

59,151

12.98

Lehigh, PA

6.17

59,036

14.67

York, PA

7.74

58,782

12.58

Berks, PA

4.74

58,222

12.93

Average

4.97

67,107

16.47

Average of all

other (57)

0.80

44,312

15.54

FFC Affiliates in Affluent Markets*

*Source: SNL Financial, 2008

County

Branches

National

Ranking

Ranking in

State

Median HH

Ranking

Hunterdon, NJ

$109,245

Morris, NJ

$103,406

Somerset, NJ

$102,548

Howard, MD

$101,251

Montgomery, MD

#22

$91,571

Unemployment Rates*

FFC Counties

Unemployment

Rate (%)

State

Unemployment

Rate (%)

United States**

7.6

Delaware

6.2

5.9

Maryland

5.7

5.6

New Jersey

6.8

Pennsylvania

6.2

6.4

Virginia

5.3

5.2

*FFC Averages are an average of the unemployment
rates of the counties in which FFC has branches.

*Source: SNL & US Department of Labor

** State Data is as of December 2008, US Data is as of January 2009

US Home Price Index*

*Source: Freddie Mac, Q3 2008 Data

Metropolitan Statistical Area

Annual Change

Q3 2007 - Q3 2008

# Branches

United States

-5.6

Average FFC Regions

-3.5

Harrisburg-Carlisle, PA

1.2

Lebanon, PA

1.0

York-Hanover, PA

0.2

Lancaster, PA

-0.6

Philadelphia, PA

-1.8

Reading, PA

-2.2

Allentown-Bethlehem-Easton, PA

-3.0

Wilmington, DE-MD-NJ

-3.2

Camden, NJ

-3.7

Trenton-Ewing, NJ

-4.3

Edison, NJ

-4.7

Baltimore-Towson, MD

-4.8

Newark-Union, NJ-PA

-6.1

Hagerstown-Martinsburg, MD-WV

-6.5

Washington-Arlington-Alexandria, DC-VA

-14.1

Loan Distribution by Affiliate

2008

% of

08 v. 07

Aver Bal

Total

Growth

(dollars in thousands)

Pennsylvania

6,195,000

53.4%

430,000

New Jersey

2,379,000

20.5%

228,000

10%

Maryland

1,580,000

13.6%

37,000

Virginia

1,107,000

9.5%

144,000

15%

Delaware

339,000

2.9%

26,000

11,600,000

Residential Mortgage and HE Loans

Total

% of

Balance

Total

Pennsylvania

1,383,000

51.9%

Maryland

457,000

17.1%

New Jersey

459,000

17.2%

Virginia

206,000

7.7%

Delaware

162,000

6.1%

2,667,000

(dollars in thousands)

Commercial Loans by Industry

Industry

Services

17.9

RE - Rental and Leasing

12.2

Construction

12.2

Manufacturing

12.2

Agriculture

9.2

Retail

8.8

Wholesale

8.1

Other

6.1

Health Care

6.0

Financial Services

3.1

Transportation

2.5

Arts and Entertainment

1.7

100.0

Commercial Loans by Geography

Total

% of

Balance

Total

Pennsylvania

2,354,000

64.7%

Maryland

415,000

11.4%

New Jersey

535,000

14.7%

Virginia

302,000

8.3%

Delaware

30,000

0.8%

3,636,000

(dollars in thousands)

Construction Loans

Total

% of

NPL

Specific

Balance

Total

Balance

Allocations

(dollars in thousands)

Pennsylvania

353,000

27.8%

6,380

1,570

Maryland

357,000

28.1%

30,660

13,590

New Jersey

237,000

18.7%

16,260

3,990

Virginia

304,000

24.0%

26,780

12,030

Delaware

18,000

1.4%

930

1,269,000

80,080

32,110

Commercial Real Estate Loans

Total

% of

NPL

Specific

Balance

Total

Balance

Allocations

(dollars in thousands)

Pennsylvania

2,045,000

50.9%

17,850

18,060

New Jersey

1,179,000

29.4%

17,450

5,790

Maryland

335,000

8.3%

2,110

1,580

Virginia

326,000

8.1%

3,330

1,300

Delaware

132,000

3.3%

1,000

450

4,017,000

41,740

27,180

Loan Delinquency (Key Sectors)

Category

Total (%)

12/31/07

90-Days

12/31/07

Total (%)

12/31/08

90-Days

12/31/08

Commercial
Loans

1.61

0.80

1.65

1.08

Consumer
Direct

0.85

0.26

1.20

0.45

Commercial
Mortgage

1.17

0.41

1.78

1.03

Residential
Mortgage

6.49

3.52

6.45

2.70

Construction

3.18

2.19

8.21

6.15

Total
Portfolio

1.96

0.98

2.72

1.62

2008 Financial Results

2008

2007

Net income (loss)

(5,620,000)

152,720,000

Cost of preferred stock

(463,000)

Net income (loss) available

to common shareholders

(6,080,000)

152,720,000

Earnings per share

(0.03)

0.88

Return on tangible equity

9.29%

18.16%

Income Statement Summary

2008

2007

(dollars in thousands)

Net Interest Income

524,150

488,740

35,410

Loan Loss Provision

(119,630)

(15,060)

(104,570)

694%

Other Income

155,390

146,280

9,110

Credit Card Sale Gain

13,910

Securities (Losses) Gains

(58,240)

1,740

(59,980)

Goodwill Impairment

(90,000)

Other Expenses

(406,630)

(405,450)

(1,180)

Income Taxes

(24,570)

(63,530)

38,960

-61%

Net Income (Loss)

(5,620)

152,720

(158,340)

-104%

International Bancshares Corporation

Old National Bancorp

South Financial Group, Inc.

Susquehanna Bancshares, Inc.

TCF Financial Corporation

Trustmark Corporation

UMB Financial Corporation

United Bankshares, Inc.

Valley National Bancorp

Whitney Holding Corporation

Wilmington Trust Corporation

Associated Banc-Corp

BancorpSouth, Inc.

Bank of Hawaii Corporation

BOK Financial Corporation

Citizens Republic Bancorp

City National Corporation

Colonial BancGroup, Inc.

Commerce Bancshares, Inc.

Cullen/Frost Bankers, Inc.

First Citizens BancShares, Inc.

First Midwest Bancorp, Inc.

First Merit Corporation

Peer Group

Net Interest Margin

3.68

3.67

3.35

3.25

3.50

3.75

4.00

4.25

4.50

4.75

FFC

Peer

Top 50

Other Income (Year Ended December 31^st)

2008

2007

(dollars in thousands)

Overdraft & NSF Fees

35,320

22,350

12,970

58%

Invt Mgt & Trust

32,730

38,670

(5,940)

-15%

Cash Mgt Fees

13,270

11,530

1,740

15%

Service Charges

13,040

12,620

420

Mort. Sales Gains

10,330

14,290

(3,960)

-28%

Success Card Fees

9,800

8,720

1,080

12%

Other

40,900

38,100

2,800

Total

155,390

146,280

9,110

Efficiency Ratio

57.4

61.8

61.9

50.0

52.0

54.0

56.0

58.0

60.0

62.0

64.0

FFC

Peer

Top 50

Other Expense (Year Ended December 31^st)

2008

2007

(dollars in thousands)

Salaries & Benefits

213,560

217,530

(3,970)

-2%

Occupancy & Equip.

55,570

53,860

1,710

Operating Risk Loss

24,310

27,230

(2,920)

-11%

Data Proc. & Software

18,550

17,780

770

Marketing

13,270

11,330

1,940

17%

Supplies & Postage

11,250

11,140

110

Other Expenses

70,120

66,580

3,540

Total

406,630

405,450

1,180

Allowance for Credit Losses

2008

2007

(dollars in thousands)

Balance 1-1-08

112,210

106,880

Loan Loss Provision

119,630

15,060

Net Charge-Offs

(51,700)

(9,740)

Balance 12-31-08

180,140

112,200

Allowance to Loans

1.50%

1.00%

Nonperforming Assets to Assets

1.35%

0.76%

Net Charge-offs to Loans

0.45%

0.09%

Net Charge-Offs To Loans

0.00

0.10

0.20

0.30

0.40

0.50

0.60

0.70

0.80

0.90

1.00

FFC

Peer

Top 50

Investment Portfolio

ENDING

MODIFIED

BALANCE

DURATION

(in millions)

Agency mortgage-backed securities

1,120.5

4.38

Municipal bonds

513.3

4.15

Agency collateralized mortgage obligations

489.7

4.34

Auction rate securities

208.3

5.14

Corporate & trust preferred securities

152.0

9.98

U.S. Treasuries and agencies

87.8

2.28

FHLB & FRB stock

85.2

Bank stocks

43.1

Other investments

28.8

Net unrealized loss

(3.9)

Total Investments

2,724.8

4.68