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

14.00%

11.10%

Tier 1 Risk-Based Capital

11.20%

8.40%

Leverage Capital

9.50%

7.10%

Tangible Common Equity

5.90%

Tangible Common Equity
to Risk-Weighted Assets

7.00%

Customers’ satisfaction with FFC

Attribute

Q4/2007

Q4/2008

Employees are friendly and helpful

9.6

Bank seems easy to work with

9.5

9.6

Employees are knowledgeable

9.3

9.4

Wait times are brief

9.2

9.3

Wide range of products and services

9.1

9.3

Listens to my needs

9.1

9.3

Convenient branches and ATMs

9.1

9.0

Resolves problems quickly

8.7

9.2

Offers ability to conduct transactions on Internet

7.9

8.7

Fees are generally low

7.8

8.5

Competitive interest rates

7.8

8.4

Bank is involved in the community

7.7

8.5

Meeting the branch manager

6.8

8.5

*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

Loan Distribution by State (First Quarter)

Average

% of

09 v. 08

Balance

Total

Growth

(dollars in thousands)

Pennsylvania

6,466,000

53.7%

440,000

New Jersey

2,496,000

20.7%

186,000

Maryland

1,592,000

13.2%

30,000

Virginia

1,140,000

9.5%

74,000

Delaware

347,000

2.9%

16,000

12,041,000

Residential Mortgage and HE Loans

Q1 2009

% of

Avg. Bal.

Total

Pennsylvania

1,375,000

51.8%

Maryland

459,000

17.3%

New Jersey

459,000

17.3%

Virginia

204,000

7.7%

Delaware

159,000

6.0%

2,656,000

(dollars in thousands)

Commercial Loans by Industry

Industry

Services

17.3

Manufacturing

13.4

RE - Rental and Leasing

12.4

Construction

11.2

Agriculture

8.8

Retail

8.8

Wholesale

8.5

Other

6.1

Health Care

5.9

Financial Services

3.1

Transportation

2.4

Arts and Entertainment

2.1

100.0

Commercial Loans by State

Q1 2009

% of

Avg. Bal.

Total

Pennsylvania

2,354,000

63.9%

Maryland

444,000

12.1%

New Jersey

548,000

14.9%

Virginia

306,000

8.3%

Delaware

30,000

0.8%

3,682,000

(dollars in thousands)

Construction Loans by State (March 31, 2009)

Ending

% of

NPL

Specific

Balance

Total

Balance

Allocations

(dollars in thousands)

Pennsylvania

330,000

27.4%

3,910

2,170

Maryland

322,000

26.7%

39,760

17,890

New Jersey

242,000

20.1%

20,180

4,660

Virginia

295,000

24.5%

29,570

7,220

Delaware

17,000

1.4%

130

1,206,000

93,420

32,070

CRE Loans by State (March 31, 2009)

Ending

% of

NPL

Specific

Balance

Total

Balance

Allocations

(dollars in thousands)

Pennsylvania

2,084,000

51.2%

21,110

9,170

New Jersey

1,183,000

29.1%

23,490

4,160

Maryland

345,000

8.5%

9,850

450

Virginia

328,000

8.1%

4,040

1,120

Delaware

128,000

3.1%

1,410

1,430

4,068,000

59,900

16,330

Loan Delinquency (Key Sectors)

Category

Total (%)

3/31/08

90-Days

3/31/08

Total (%)

3/31/09

90-Days

3/31/09

Commercial
Loans

1.48

.99

2.26

1.59

Consumer
Direct

.77

.33

1.27

0.54

Commercial
Mortgage

1.38

.83

1.88

1.27

Residential
Mortgage

5.49

3.14

6.88

3.20

Construction

3.30

2.05

8.78

7.65

Total
Portfolio

1.87

1.13

3.00

2.04

Net Charge-offs (Q1 2009)

Comm'l

Res. Mtg.

Comm'l

Mortgage

Constr.

and HE

Other

Total

(in thousands)

Pennsylvania

336

420

2,444

2,103

545

5,848

Maryland

209

1,880

7,406

451

108

10,054

New Jersey

2,333

1,067

696

186

317

4,599

Virginia

6,782

1,584

218

8,606

Delaware

583

296

967

9,718

3,950

12,130

3,254

1,022

30,074

Avg Loans

3,682,000

4,049,000

1,204,000

2,656,000

450,000

12,041,000

NCO %

1.06%

0.39%

4.03%

0.49%

0.91%

1.00%

Non-performing Loans* (March 31, 2009)

Comm'l

Res. Mtg.

Comm'l

Mortgage

Constr.

and HE

Other

Total

(in thousands)

Pennsylvania

19,272

21,107

3,907

5,902

3,984

54,172

Maryland

4,297

9,853

39,764

3,076

1,422

58,412

New Jersey

15,374

23,490

20,183

4,277

2,496

65,820

Virginia

11,214

4,037

29,571

16,465

1,569

62,856

Delaware

336

1,412

1,645

1,396

4,789

50,493

59,899

93,425

31,365

10,867

246,049

End Loans

3,654,000

4,068,000

1,205,000

2,622,000

461,000

12,010,000

NPL%

1.38%

1.47%

7.75%

1.20%

2.36%

2.05%

* Includes accruing loans > 90 days past due.

2009 Financial Results (First Quarter)

2009

2008

Net income

13,080,000

41,500,000

Cost of preferred stock

(5,030,000)

Net income available

to common shareholders

8,050,000

41,500,000

Earnings per share

0.05

0.24

Return on tangible equity

3.88%

18.45%

Income Statement Summary (First Quarter)

2009

2008

(dollars in thousands)

Net Interest Income

124,120

125,900

(1,780)

-1%

Loan Loss Provision

(50,000)

(11,220)

(38,780)

346%

Other Income

44,000

36,430

7,570

21%

Securities Gains

2,920

1,250

1,670

134%

Other Expenses

(106,390)

(96,660)

(9,730)

10%

Pre-Tax Income

14,650

55,700

(41,050)

-74%

Income Taxes

(1,570)

(14,200)

12,630

-89%

Net Income

13,080

41,500

(28,420)

-68%

Income Summary Proforma (First Quarter)

2009

2008

(dollars in thousands)

Pre-tax Income

14,650

55,700

(41,050)

-74%

Loan Loss Provision

50,000

11,220

38,780

346%

Security Gains

(2,920)

(1,250)

(1,670)

134%

ARC Charges

6,160

3,950

2,210

56%

Proforma

67,890

69,620

(1,730)

-2%

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

Other Income (First Quarter)

2009

2008

(dollars in thousands)

Mort. Sales Gains

8,590

2,310

6,280

272%

Overdraft & NSF Fees

8,440

7,690

750

10%

Invt Mgt & Trust

7,900

8,760

(860)

-10%

Service Charges

3,250

3,040

210

Cash Mgt Fees

3,200

3,230

(30)

-1%

Success Card Fees

2,440

2,260

180

Credit Card Fees

1,190

N/A

Other

8,990

9,140

(150)

-2%

Total

44,000

36,430

7,570

21%

Other Income (Linked Quarter)

Q1 09

Q4 08

(dollars in thousands)

Mort. Sales Gains

8,590

3,080

5,510

179%

Overdraft & NSF Fees

8,440

9,530

(1,090)

-11%

Invt Mgt & Trust

7,900

7,540

360

Service Charges

3,250

3,300

(50)

-2%

Cash Mgt Fees

3,200

3,340

(140)

-4%

Success Card Fees

2,440

2,460

(20)

-1%

Credit Card Fees

1,190

1,150

N/A

Other

8,990

8,350

640

Total

44,000

38,750

5,250

14%

Efficiency Ratio

61.0

62.1

50.0

52.0

54.0

56.0

58.0

60.0

62.0

64.0

3/09

FFC

Peer

Top 50

Other Expense (First Quarter)

2009

2008

(dollars in thousands)

Salaries & Benefits

55,320

55,200

120

Occupancy & Equip.

14,100

13,970

130

Operating Risk Loss

6,200

1,240

4,960

400%

Data Proc. & Software

4,630

4,660

(30)

-1%

FDIC Insurance

4,290

860

3,430

399%

Supplies & Postage

2,660

2,810

(150)

-5%

Marketing

2,570

2,910

(340)

-12%

Other Expenses

16,620

15,010

1,610

11%

Total

106,390

96,660

9,730

10%

Other Expense (Linked Quarter)

Q1 09

Q4 08

(dollars in thousands)

Salaries & Benefits

55,320

48,770

6,550

13%

Occupancy & Equip.

14,100

14,660

(560)

-4%

Operating Risk Loss

6,200

5,200

1,000

19%

Data Proc. & Software

4,630

4,740

(110)

-2%

FDIC Insurance

4,290

1,880

2,410

128%

Supplies & Postage

2,660

2,730

(70)

-3%

Marketing

2,570

3,750

(1,180)

-31%

Other Expenses

16,620

19,140

(2,520)

-13%

Total

106,390

100,870

5,520

Allowance for Credit Losses

2009

2008

(dollars in thousands)

Beginning Balance

180,140

112,210

Loan Loss Provision

50,000

11,220

Net Charge-Offs

(30,080)

(4,360)

Ending Balance

200,060

119,070

Allowance to Loans

1.67%

1.05%

Nonperforming Assets to Assets

1.63%

0.90%

Net Charge-offs to Loans

1.00%

0.15%

Net Charge-Offs To Average Loans

1.00

0.94

1.40

0.00

0.30

0.60

0.90

1.20

1.50

3/09

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