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

*Source: SNL, Median HH Income, 2009 data

Serving PA’s Strongest Markets*

County

Rank

Branches

Projected Population

Change 2009-2014 (%)

Median HH

Income 2009 ($)

Projected HH

Income Change

2009-2014 (%)

Chester, PA

6.64

87,308

7.36

Montgomery, PA

1.85

80,212

5.01

Bucks, PA

2.22

79,444

4.95

Delaware, PA

0.10

66,300

5.25

Cumberland, PA

4.06

61,622

6.42

Northampton, PA

5.48

60,207

6.11

Lancaster, PA

3.46

59,484

5.61

York, PA

6.36

59,123

3.89

Berks, PA

3.73

58,885

4.18

Lehigh, PA

4.76

58,555

4.95

Average

3.87

67,114

5.37

Average of all

other (57)

-0.33

44,560

5.97

FFC Affiliates in Affluent Markets*

*Source: SNL Financial, 2009

County

# FFC

Branches

National

Ranking

Ranking in

State

Median HH

Ranking

Hunterdon, NJ

$110,147

Fairfax, VA

$109,067

Morris, NJ

$104,797

Somerset, NJ

$102,357

Howard, MD

$101,954

Unemployment Rates*

FFC Counties

Unemployment

Rate (%)**

State

Unemployment

Rate (%)***

United States

9.4

Delaware

8.4

8.7

Maryland

8.0

7.5

New Jersey

9.1

9.2

Pennsylvania

8.2

8.4

Virginia

7.6

7.3

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

*Source: SNL & US Department of Labor

** County Data is as of June 2009

***State Data is as of June 2009

US Home Price Index*

*Source: Freddie Mac, Q1 2009 Data

Metropolitan Statistical Area

Annual Change

Q1 2008 - Q1 2009

# Branches

United States

-4.0

Average FFC Regions

-4.6

Harrisburg-Carlisle, PA

-0.6

Lebanon, PA

-0.6

York-Hanover, PA

-3.4

Lancaster, PA

-2.0

Philadelphia, PA

-2.6

Reading, PA

-2.0

Allentown-Bethlehem-Easton, PA

-5.0

Wilmington, DE-MD-NJ

-4.0

Camden, NJ

-5.1

Trenton-Ewing, NJ

-5.3

Edison, NJ

-5.2

Baltimore-Towson, MD

-7.1

Newark-Union, NJ-PA

-5.7

Hagerstown-Martinsburg, MD-WV

-10.4

Washington-Arlington-Alexandria, DC-VA

-10.5

Customer Satisfaction Metrics

Attribute

Q1/2008

Q1/2009

Employees are friendly and helpful

9.6

Bank seems easy to work with

9.5

Safety and security of a local bank

9.3

Wait times are brief

9.1

9.3

Wide range of products and services

9.0

9.1

Listens to my needs

9.1

Convenient branches and ATMs

8.9

8.8

Resolves problems quickly

8.8

9.1

Offers ability to conduct transactions on Internet

8.2

8.4

Fees are generally low

8.0

8.3

Competitive interest rates

8.1

8.8

Bank is involved in the community

7.9

8.4

Capital (6/30/09)

With CPP

Without CPP

GAAP Capital

$1.87 billion

$1.50 billion

Total Risk-Based Capital

$1.87 billion

$1.49 billion

Ratios:

With CPP

Without CPP

Total Risk-Based Capital

13.90%

11.10%

Tier 1 Risk-Based Capital

11.20%

8.40%

Leverage Capital

9.40%

7.00%

Tangible Common Equity

5.80%

Tangible Common Equity
to Risk-Weighted Assets

7.10%

Loan Distribution by State (Second Quarter)

Average

% of

09 v. 08

Balance

Total

Growth

(dollars in thousands)

Pennsylvania

6,437,000

53.8%

380,000

New Jersey

2,498,000

20.9%

148,000

Maryland

1,563,000

13.1%

(10,000)

-1%

Virginia

1,117,000

9.3%

7,000

Delaware

345,000

2.9%

12,000

11,960,000

Residential Mortgage and HE Loans

Q2 2009

% of

Avg. Bal.

Total

Pennsylvania

1,326,000

50.9%

Maryland

459,000

17.6%

New Jersey

458,000

17.6%

Virginia

204,000

7.8%

Delaware

158,000

6.1%

2,605,000

(dollars in thousands)

Commercial Loans by Industry

Industry

Services

17.1

Manufacturing

14.7

RE - Rental and Leasing

12.2

Construction

11.6

Agriculture

8.5

Retail

8.5

Wholesale

7.7

Other

6.2

Health Care

5.7

Financial Services

3.5

Transportation

2.2

Arts and Entertainment

2.1

100.0

Commercial Loans by State

Q2 2009

% of

Avg. Bal.

Total

Pennsylvania

2,361,000

64.6%

Maryland

410,000

11.2%

New Jersey

547,000

15.0%

Virginia

306,000

8.4%

Delaware

31,000

0.8%

3,655,000

(dollars in thousands)

Construction Loans (June 30, 2009)

Ending

% of

NPL

Specific

Balance

Total

Balance

Allocations

(dollars in thousands)

Pennsylvania

297,000

27.0%

10,270

3,670

Maryland

286,000

26.0%

37,150

22,640

New Jersey

223,000

20.3%

23,610

4,640

Virginia

278,000

25.3%

31,950

10,380

Delaware

16,000

1.5%

130

1,100,000

102,980

41,460

Construction Loans by Type

Ending

% of

Balance

Total

(dollars in thousands)

Commercial

279,000

25.3%

Commercial Residential

726,000

66.0%

Other Commercial

24,000

2.2%

Real Estate

71,000

6.5%

1,100,000

CRE Loans by State (June 30, 2009)

Ending

% of

NPL

Specific

Balance

Total

Balance

Allocations

(dollars in thousands)

Pennsylvania

2,125,000

51.6%

17,140

10,600

New Jersey

1,193,000

28.9%

26,320

7,410

Maryland

348,000

8.4%

8,440

400

Virginia

323,000

7.8%

3,950

2,520

Delaware

132,000

3.2%

1,940

1,080

4,121,000

57,790

22,010

Loan Delinquency (Key Sectors)

Category

Total (%)

6/30/08

90-Days

6/30/08

Total (%)

6/30/09

90-Days

6/30/09

Commercial
Loans

1.65

1.12

2.24

1.77

Consumer
Direct

.81

.32

1.36

0.52

Commercial
Mortgage

1.62

1.03

1.95

1.22

Residential
Mortgage

5.50

2.58

7.36

3.36

Construction

3.75

2.71

10.36

9.31

Total
Portfolio

2.06

1.25

3.22

2.20

Net Charge-offs (Q2 2009)

Comm'l

Res. Mtg.

Comm'l

Mortgage

Constr.

and HE

Other

Total

(in thousands)

Pennsylvania

1,359

1,524

1,531

164

1,975

6,553

Maryland

583

795

6,362

306

515

8,561

New Jersey

3,923

3,617

1,442

226

546

9,754

Virginia

101

1,745

939

1,003

3,788

Delaware

403

453

5,968

5,936

11,080

1,683

4,442

29,109

Avg Loans

3,656,000

4,091,000

1,152,000

2,605,000

456,000

11,960,000

NCO %

0.65%

0.58%

3.85%

0.26%

3.90%

0.97%

Net Charge-offs (YTD June 2009)

Comm'l

Res. Mtg.

Comm'l

Mortgage

Constr.

and HE

Other

Total

(in thousands)

Pennsylvania

1,694

1,942

3,975

1,689

3,101

12,401

Maryland

791

2,676

13,768

423

957

18,615

New Jersey

6,257

4,685

2,138

224

1,049

14,353

Virginia

6,883

3,329

1,051

1,131

12,394

Delaware

583

232

544

1,420

15,686

9,886

23,210

3,619

6,782

59,183

Avg Loans

3,656,000

4,070,000

1,191,000

2,630,000

453,000

12,000,000

NCO %

0.86%

0.49%

3.90%

0.28%

2.99%

0.99%

Non-performing Loans* (June 30, 2009)

Comm'l

Res. Mtg.

Comm'l

Mortgage

Constr.

and HE

Other

Total

(in thousands)

Pennsylvania

19,709

17,142

10,271

9,359

4,924

61,405

Maryland

3,979

8,442

37,150

3,612

1,150

54,333

New Jersey

17,522

26,323

23,611

5,926

2,879

76,261

Virginia

16,801

3,947

31,945

16,820

575

70,088

Delaware

422

1,932

1,514

1,312

5,180

58,433

57,786

102,977

37,231

10,840

267,267

End Loans

3,614,000

4,121,000

1,096,000

2,578,000

457,000

11,866,000

NPL%

1.62%

1.40%

9.40%

1.44%

2.37%

2.25%

* Includes accruing loans > 90 days past due.

2009 Financial Results (Second Quarter)

2009

2008

Net income

13,110,000

25,680,000

Cost of preferred stock

(5,045,000)

Net income available

to common shareholders

8,065,000

25,680,000

Earnings per share

0.05

0.15

Return on tangible equity

3.83%

11.03%

Income Statement Summary (Second Quarter)

2009

2008

(dollars in thousands)

Net Interest Income

127,940

131,890

(3,950)

-3%

Loan Loss Provision

(50,000)

(16,710)

(33,290)

199%

Other Income

45,300

39,890

5,410

14%

Credit Card Sale Gain

13,910

(13,910)

Securities Gains (Losses)

(21,650)

21,730

-100%

Other Expenses

(107,810)

(109,730)

1,920

-2%

Pre-Tax Income

15,510

37,600

(22,090)

-59%

Income Taxes

(2,400)

(11,920)

9,520

-80%

Net Income

13,110

25,680

(12,570)

-49%

Pre-Tax Income Summary (Second Quarter)

2009

2008

(dollars in thousands)

Net Interest Income

127,940

131,890

(3,950)

-3%

Other Income

45,300

39,890

5,410

14%

Other Expenses

(107,810)

(109,730)

1,920

-2%

Pre-Tax Income Before

Provision, CC Gain

Securities Gains (Losses)

65,430

62,050

3,380

Loan Loss Provision

(50,000)

(16,710)

(33,290)

199%

Credit Card Sale Gain

13,910

(13,910)

Securities Gains (Losses)

(21,650)

21,730

-100%

Pre-Tax Income

15,510

37,600

(22,090)

-59%

2009 Financial Results (YTD June)

2009

2008

Net income

26,200,000

67,170,000

Cost of preferred stock

(10,080,000)

Net income available

to common shareholders

16,120,000

67,170,000

Earnings per share

0.09

0.39

Return on tangible equity

3.85%

14.65%

Income Statement Summary (YTD June)

2009

2008

(dollars in thousands)

Net Interest Income

252,060

257,790

(5,730)

-2%

Loan Loss Provision

(100,000)

(27,930)

(72,070)

258%

Other Income

89,300

76,320

12,980

17%

Credit Card Sale Gain

13,910

(13,910)

Securities Gains (Losses)

3,000

(20,400)

23,400

-115%

Other Expenses

(214,180)

(206,400)

(7,780)

Pre-Tax Income

30,180

93,290

(63,110)

-68%

Income Taxes

(3,980)

(26,120)

22,140

-85%

Net Income

26,200

67,170

(40,970)

-61%

Pre-Tax Income Summary (YTD June)

2009

2008

(dollars in thousands)

Net Interest Income

252,060

257,790

(5,730)

-2%

Other Income

89,300

76,320

12,980

17%

Other Expenses

(214,180)

(206,400)

(7,780)

Pre-Tax Income Before

Provision, CC Gain

Securities Gains (Losses)

127,180

127,710

(530)

Loan Loss Provision

(100,000)

(27,930)

(72,070)

258%

Credit Card Sale Gain

13,910

(13,910)

Securities Gains (Losses)

3,000

(20,400)

23,400

-115%

Pre-Tax Income

30,180

93,290

(63,110)

-68%

2009 Financial Results (Q2 vs. Q1 2009)

Q2 2009

Q1 2009

Net income

13,110,000

13,085,000

Cost of preferred stock

(5,045,000)

(5,030,000)

Net income available

to common shareholders

8,065,000

8,055,000

Earnings per share

0.05

Return on tangible equity

3.83%

3.88%

Income Statement Summary (Q2 vs. Q1 2009)

Q2 2009

Q1 2009

(dollars in thousands)

Net Interest Income

127,940

124,120

3,820

Loan Loss Provision

(50,000)

Other Income

45,300

43,990

1,310

Securities Gains (Losses)

2,920

(2,840)

-97%

Other Expenses

(107,810)

(106,370)

(1,440)

Pre-Tax Income

15,510

14,660

850

Income Taxes

(2,400)

(1,575)

(825)

52%

Net Income

13,110

13,085

Pre-Tax Income Summary (Q2 vs. Q1 2009)

Q2 2009

Q1 2009

(dollars in thousands)

Net Interest Income

127,940

124,120

3,820

Other Income

45,300

43,990

1,310

Other Expenses

(107,810)

(106,370)

(1,440)

Pre-Tax Income Before

Provision, CC Gain

Securities Gains (Losses)

65,430

61,740

3,690

Loan Loss Provision

(50,000)

Securities Gains (Losses)

2,920

(2,840)

-97%

Pre-Tax Income

15,510

14,660

850

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

* All U.S. Banks from $7.5 to $25
billion in assets

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

3.44

3.54

3.15

3.00

3.50

4.00

4.50

5.00

YTD

6/09

FFC

Peer

Top 50

Average Loans (Q2 vs. Q1 2009)

Q2 2009

Q1 2009

(dollars in millions)

Commercial

3,660

3,660

Comm'l Mort

4,090

4,050

Resid Mort

940

960

(20)

-2%

Home Equity

1,670

1,700

(30)

-2%

Construction

1,150

1,230

(80)

-7%

Cons./Other

450

440

Total Loans

11,960

12,040

(80)

-1%

Average Loans (Second Quarter)

2009

2008

(dollars in millions)

Commercial

3,660

3,500

160

Comm'l Mort

4,090

3,680

410

11%

Resid Mort

940

890

Home Equity

1,670

1,570

100

Construction

1,150

1,320

(170)

-13%

Cons./Other

450

460

(10)

-2%

Total Loans

11,960

11,420

540

Average Loans (YTD June)

2009

2008

(dollars in millions)

Commercial

3,660

3,480

180

Comm'l Mort

4,070

3,610

460

13%

Resid Mort

950

870

Home Equity

1,680

1,550

130

Construction

1,190

1,340

(150)

-11%

Cons./Other

450

510

(60)

-12%

Total Loans

12,000

11,360

640

Average Deposits (Q2 vs. Q1 2009)

Q2 2009

Q1 2009

(dollars in millions)

Nonint DDA

1,810

1,660

150

Int DDA

1,820

1,750

Savings/MMDA

2,310

2,060

250

12%

CD's

5,630

5,440

190

Cash Management

550

580

(30)

-5%

Total Loans

12,120

11,490

630

Average Deposits (Second Quarter)

2009

2008

(dollars in millions)

Nonint DDA

1,810

1,660

150

Int DDA

1,820

1,710

110

Savings/MMDA

2,310

2,210

100

CD's

5,630

4,360

1,270

29%

Cash Management

550

690

(140)

-20%

Total Loans

12,120

10,630

1,490

14%

Average Deposits (YTD June)

2009

2008

(dollars in millions)

Nonint DDA

1,740

1,640

100

Int DDA

1,790

1,700

Savings/MMDA

2,180

2,170

CD's

5,520

4,430

1,090

25%

Cash Management

570

700

(130)

-19%

Total Loans

11,800

10,640

1,160

11%

Other Income (Q2 vs. Q1 2009)

Q2 2009

Q1 2009

(dollars in thousands)

Overdraft & NSF Fees

8,790

8,440

350

Invt Mgt & Trust

7,880

7,900

(20)

Mort. Sales Gains

7,400

8,590

(1,190)

-14%

Service Charges

3,180

3,250

(70)

-2%

Cash Mgt Fees

3,090

3,200

(110)

-3%

Success Card Fees

2,750

2,440

310

13%

Credit Card Fees

1,360

1,190

170

N/A

Other

10,850

8,990

1,860

21%

Total

45,300

44,000

1,300

Other Income (Second Quarter)

2009

2008

(dollars in thousands)

Overdraft & NSF Fees

8,790

8,640

150

Invt Mgt & Trust

7,880

8,390

(510)

-6%

Mort. Sales Gains

7,400

2,670

4,730

177%

Service Charges

3,180

3,350

(170)

-5%

Cash Mgt Fees

3,090

3,330

(240)

-7%

Success Card Fees

2,750

2,550

200

Credit Card Fees

1,360

1,090

270

N/A

Other

10,850

9,870

980

10%

Total

45,300

39,890

5,410

14%

Other Income (YTD June)

2009

2008

(dollars in thousands)

Overdraft & NSF Fees

17,230

16,330

900

Mort. Sales Gains

15,990

4,980

11,010

221%

Invt Mgt & Trust

15,780

17,150

(1,370)

-8%

Service Charges

6,430

6,390

Cash Mgt Fees

6,290

6,560

(270)

-4%

Success Card Fees

5,190

4,820

370

Credit Card Fees

2,550

1,090

1,460

N/A

Other

19,840

19,000

840

Total

89,300

76,320

12,980

17%

Efficiency Ratio

60.5

61.4

61.6

50.0

52.0

54.0

56.0

58.0

60.0

62.0

64.0

YTD

6/09

FFC

Peer

Top 50

Other Expense (Q2 vs. Q1 2009)

Q2 2009

Q1 2009

(dollars in thousands)

Salaries & Benefits

55,800

55,300

500

Occupancy & Equip.

13,540

14,100

(560)

-4%

FDIC Insurance

12,210

4,290

7,920

185%

Data Proc. & Software

4,610

4,630

(20)

Supplies & Postage

2,700

2,660

Marketing

1,720

2,570

(850)

-33%

Operating Risk Loss

140

6,200

(6,060)

-98%

Other Expenses

17,090

16,620

470

Total

107,810

106,370

1,440

Other Expense (Second Quarter)

2009

2008

(dollars in thousands)

Salaries & Benefits

55,800

54,280

1,520

Occupancy & Equip.

13,540

13,640

(100)

-1%

FDIC Insurance

12,210

680

11,530

Data Proc. & Software

4,610

4,480

130

Supplies & Postage

2,700

2,980

(280)

-9%

Marketing

1,720

3,520

(1,800)

-51%

Operating Risk Loss

140

14,390

(14,250)

-99%

Other Expenses

17,090

15,770

1,320

Total

107,810

109,740

(1,930)

-2%

Other Expense (YTD June)

2009

2008

(dollars in thousands)

Salaries & Benefits

111,100

109,480

1,620

Occupancy & Equip.

27,640

27,610

FDIC Insurance

16,490

1,540

14,950

Data Proc. & Software

9,240

9,140

100

Operating Risk Loss

6,340

15,630

(9,290)

-59%

Supplies & Postage

5,370

5,800

(430)

-7%

Marketing

4,290

6,420

(2,130)

-33%

Other Expenses

33,710

30,780

2,930

10%

Total

214,180

206,400

7,780

Allowance for Credit Losses

Q2 2009

Q1 2009

(dollars in thousands)

Balance at beginning of period

200,060

180,140

Loan Loss Provision

50,000

Net Charge-Offs

(29,110)

(30,080)

Balance at end of period

220,950

200,060

Allowance to Loans

1.86%

1.67%

Nonperforming Assets to Assets

1.73%

1.63%

Net Charge-offs to Loans

0.97%

1.00%

Allowance for Credit Losses (2nd Quarter)

2009

2008

(dollars in thousands)

Balance at beginning of quarter

200,060

119,070

Loan Loss Provision

50,000

16,710

Net Charge-Offs

(29,110)

(9,560)

Balance at June 30th

220,950

126,220

Allowance to Loans

1.86%

1.09%

Nonperforming Assets to Assets

1.73%

1.02%

Net Charge-offs to Loans

0.97%

0.33%

Allowance for Credit Losses (YTD June)

2009

2008

(dollars in thousands)

Balance at beginning of year

180,140

112,210

Loan Loss Provision

100,000

27,930

Net Charge-Offs

(59,190)

(13,920)

Balance at June 30th

220,950

126,220

Allowance to Loans

1.86%

1.09%

Nonperforming Assets to Assets

1.73%

1.02%

Net Charge-offs to Loans

0.99%

0.24%

Net Charge-Offs To Average Loans

0.99

1.10

1.67

0.00

0.30

0.60

0.90

1.20

1.50

1.80

YTD

6/09

FFC

Peer

Top 50

Investment Portfolio

ENDING

MODIFIED

BALANCE

DURATION

(in millions)

Agency mortgage-backed securities

1,269.7

2.39

Agency collateralized mortgage obligations

881.6

2.15

Municipal bonds

454.4

4.25

Auction rate securities

298.8

4.30

Corporate & trust preferred securities

157.1

10.60

U.S. Treasuries and agencies

141.3

3.51

FHLB & FRB stock

85.6

Bank stocks

38.1

Other investments

26.6

Net unrealized loss

(18.2)

Total Investments

3,335.4

3.19