8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report:	April 29, 2009
(Date of earliest event reported):	April 29, 2009

FULTON FINANCIAL CORPORATION

(Exact name of Registrant as specified in its Charter)

Pennsylvania	0-10587	23-2195389
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification Number)

P.O. Box 4887, One Penn Square Lancaster, Pennsylvania	17604
(Address of principal executive offices)	(Zip Code)

Registrant's telephone number, including area code: 717-291-2411

Former name or former address, if changed since last Report: N/A

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act

o Pre-commencement to communications pursuant to Rule 13e-4(c) under the Exchange Act

Item 7.01 - Regulation FD Disclosure.

Fulton Financial Corporation (“Fulton”) will webcast its Annual Meeting of Shareholders on Wednesday, April 29 at 10:00 a.m. Eastern Time. R. Scott Smith, Jr., chairman and CEO, will share information about Fulton and will answer questions from those attending the meeting in person.

The meeting webcast can be heard by going to Fulton's website, www.fult.com, selecting the Investor Information tab and clicking on the link to the webcast. The webcast will be archived on Fulton's website for 30 days following the meeting.

Fulton’s presentation for the Annual Meeting of Shareholders, attached as Exhibit 99.1 and incorporated by reference, is being furnished to the SEC and shall not be deemed to be "filed" for any purpose.

Item 9.01 - Financial Statements and Exhibits.

(d) Exhibits
Exhibit No.	Description
99.1	Fulton’s April 29, 2009 Annual Meeting of Shareholders Presentation

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 29, 2009 Fulton Financial Corporation     By:_/s/ Charles J. Nugent Charles J. Nugent Senior Executive Vice President and Chief Financial Officer  

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EX-99

Annual Shareholders Meeting

April 29, 2009

1

Safe Harbor statement

The following presentation may contain forward-looking statements with respect to our financial condition, results of operations and business. Forward-looking statements are encouraged by the Private Securities Litigation Reform Act of 1995.  When words such as “believes”, “expects”, “anticipates” or similar expressions are used in this presentation, the Corporation is making forward-looking statements.

The following presentation may contain forward-looking statements with respect to our financial condition, results of
operations and business. Forward-looking statements are encouraged by the Private Securities Litigation Reform Act
of 1995.  When words such as “believes”, “expects”, “anticipates” or similar expressions are used in this
presentation, the Corporation is making forward-looking statements.

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 corporate borrowings, the effect of competition and interest rates on net interest margin and net
interest income, investment strategy and income growth, investment securities gains, impairment of investment
securities, 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, employee benefits and other expenses, amortization of
intangible assets, goodwill impairment, capital and liquidity strategies and other financial and business matters for
future periods.

2

Today’s meeting

Tape recorders and cameras are not permitted in
the meeting.  

The display of placards and signs is prohibited.

Please be considerate of others -- silence or turn
off your cell phone during the meeting.

Any questions and comments should be directed
to the chairperson of the meeting during the
Question and Answer period.  Please remember to
state your name prior to asking your question.

3

Annual Shareholders Meeting

April 29, 2009

4

Scott Smith
Chairman and CEO

Welcome and Opening Remarks

5

Today’s agenda

Business Meeting

Proposals:

Election of directors

Approval of management compensation

Ratification of appointment of independent auditor

Introductions

Results of Voting

Conclusion of Business Meeting

Management Presentation

Questions and Answers

6

Board of Directors

7

Jeffrey G. Albertson,Esq.

8

John M. Bond, Jr.

9

Donald M. Bowman, Jr.

10

Dana A. Chryst

11

Craig A. Dally, Esq.

12

Patrick J. Freer

13

Rufus A. Fulton, Jr.

14

George W. Hodges

15

Carolyn R. Holleran

16

Willem Kooyker

17

Donald W. Lesher, Jr.

18

Abraham S. Opatut

19

John O. Shirk, Esq.

20

Gary A. Stewart

21

Phil Wenger

22

Senior Management

23

Charlie Nugent

24

Jim Shreiner

25

Craig Hill

26

Affiliate CEOs

27

Jill Carson

28

Lou Giustini

29

Dick Grafmyre

30

Dave Hanson

31

Steve Miller

32

Bob Palsgrove

33

Craig Roda

34

Bob Rupel

35

John Scaldara

36

Angela Snyder

37

Randy Taylor

38

Mike Wimer

39

Report of Judge of Election

40

Annual Shareholders Meeting

April 29, 2009

41

Scott Smith
Chairman and CEO

Management Presentation

42

Factors affecting our 2008 performance

Mark-to-market write-downs in our
investment portfolio

Goodwill write-off

Increased loan losses

Continued global and regional
economic issues

43

Reasons for decline

Unanticipated severity and length of
the economic crisis

Investors moved away from bank
stocks

Industry- and sector-oriented
challenges

44

Protecting the balance sheet

Set aside reserves to cover expected
losses

Participated in Capital Purchase
Program

Reduced quarterly cash dividend

45

Our response to reduce expenses

Reduced workforce

Centralized non-customer contact areas

No payments in variable compensation plan

Froze merit pay increases for 12 months

Reduced retirement plan benefits

Limited discretionary spending

Lean process improvements –
$2 million in savings

Deferred opening some new branches

46

Efficiency ratio

57.4

61.8

61.9

50.0

52.0

54.0

56.0

58.0

60.0

62.0

64.0

93

94

95

96

97

98

99

00

01

02

03

04

05

06

07

08

FFC

Peer

Top 50

47

Capital

5.97%

  9.57%

11.46%

14.25%

FFC with

Cap. Purch.

Tangible Common Equity

Leverage Capital

Tier 1 Risk-Based Capital

Total Risk-Based Capital

Ratio:

Guideline:

3%

  5.00%

  6.00%

10.00%

Regulatory Well
Capitalized

5.97%

  7.16%

  8.57%

11.36%

FFC without

Cap. Purch.

48

Capital Purchase Program

Ensure FFC could remain viable

Help the U.S. Treasury stabilize the
financial system and increase lending

Created to provide confidence in our
banking system

$376.5 million investment in Fulton
Financial Corporation will be repaid

49

Fulton Financial Corporation

Family of community banks

Locally managed

Trusted employees

Local decision-making

Focused on the present, but also on
the future

50

Superior customer experience

Care, Listen, Understand and Deliver

51

Customers’ satisfaction with FFC

8.5

6.8

Meeting the branch manager

8.5

7.7

Bank is involved in the community

8.4

7.8

Competitive interest rates

8.5

7.8

Fees are generally low

8.7

7.9

Offers ability to conduct transactions on Internet

9.2

8.7

Resolves problems quickly

9.0

9.1

Convenient branches and ATMs

9.3

9.1

Listens to my needs

9.3

9.1

Wide range of products and services

9.3

9.2

Wait times are brief

9.4

9.3

Employees are knowledgeable

9.6

9.5

Bank seems easy to work with

9.6

9.6

Employees are friendly and helpful

Q4/2008

Q4/2007

Attribute

52

A valuable geographic franchise

53

*Source: SNL, Median HH Income, 2008 data

Serving PA’s strongest markets*

9

11

Berks, PA

15

10

York, PA

3

9

Lehigh, PA

27

8

Lancaster, PA

3

6

Northampton, PA

3

5

Cumberland, PA

1

4

Delaware, PA

5

3

Bucks, PA

3

2

Montgomery, PA

7

1

Chester, PA

# Branches

Rank

County

54

FFC affiliates in affluent markets*

*Source: SNL Financial, 2008

#2

#22

3

Montgomery, MD

#1

#9

9

Howard, MD

#3

#8

7

Somerset, NJ

#2

#7

6

Morris, NJ

#1

#3

3

Hunterdon, NJ

Ranking State

National Ranking

# Branches

County

55

Loans

2007 – 2008 loan growth:    7.5%

Percentage of loans in
Pennsylvania:54%

56

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

91

92

93

94

95

96

97

98

99

00

01

02

03

04

05

06

07

08

FFC

Peer

Top 50

57

Residential mortgage and home equity 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)

58

Oct-08

75,254,000

Nov-08

44,180,000

Dec-08

74,603,000

Jan-09

141,293,000

Feb-09

240,068,000

Mar-09

237,272,000

Mortgage activity

$

MonthClosings

Loans to purchase new or
existing homes – 30% of
mortgage volume

$100 million in purchase
financing mortgages in first
quarter

59

Mortgage foreclosures

19,259 mortgages owned and/or
serviced by FFC

132 of these in foreclosure as of
March 31, 2009

60

Where are we today?

Solid fundamentals

Experiencing growth in:

Loans

Deposits

Net interest income and other income

Mortgage activity

Stable net interest margin

Improved efficiency

61

Where are we today?

Strongly capitalized

Positive market demographics

Loyal customer base

Lending to credit-worthy borrowers

62

Looking to the future

Reducing expenses

Managing credit issues

Creating a superior customer
experience

Engaging our employees

Positioned for economic rebound

63

Questions and Answers

64

Annual Shareholders Meeting

April 29, 2009

65