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 30, 2010
(Date of earliest event reported):	April 30, 2010

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:

	Written communications pursuant to Rule 425 under the Securities Act
	Soliciting material pursuant to Rule 14a-12 under the Exchange Act
	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
	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 (“Annual Meeting”) on Friday, April 30, 2010 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 Annual Meeting in person.

The Annual Meeting webcast can be heard by going to Fulton's website, www.fult.com, selecting the Investor Relations 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, 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 30, 2010 Annual Meeting Presentation

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 30, 2010 Fulton Financial Corporation     By:  /s/ R. Scott Smith, Jr.         R. Scott Smith, Jr.         Chairman and Chief Executive Officer  

EX-99

1

Annual Shareholders Meeting

April 30, 2010

2

Forward-looking statement

lThe Corporation has made, and may continue to make, certain forward-looking statements with respect to
its financial conditions and results of operations.

lMany factors could affect future financial results, including without limitation: asset quality and the impact
of adverse changes in the economy and in credit or other markets and resulting effects on credit risk and
asset values; 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
mortgages and other asset-backed securities and for commercial paper and other short-term borrowings;
changes in the levels of Federal Deposit Insurance Corporation deposit insurance premiums and
assessments; the effect of competition and interest rates on net interest margin and net interest income;
investment strategy and income growth; investment securities gains and losses; declines in the value of
securities which may result in charges to earnings; changes in rates of deposit and loan growth or a
decline in loans originated; 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.

lDo not unduly rely on forward-looking statements.You can identify forward-looking statements by the use
of words such as “may,” “should,” “will,” “could,” “estimates,” “predicts,” “potential,” “continue,”
“anticipates,” “believes,” “plans,” “expects,” “future” and “intends” and similar expressions which are
intended to identify forward-looking statements.

lThese statements are not guarantees of future performance and are subject to risks, uncertainties and
other factors, some of which are beyond our control and difficult to predict and could cause actual results
to differ materially from those expressed or forecasted in the forward-looking statements.The Corporation
undertakes no obligation, other than as required by law, to update or revise any forward-looking
statements, whether as a result of new information, future events or otherwise.

3

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.

4

Annual Shareholders Meeting

April 30, 2010

5

Scott Smith
Chairman and CEO

Welcome and Opening Remarks

6

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

www.fult.com

8

Annual Shareholders Meeting

April 30, 2010

9

Board of Directors

10

Jeffrey G. Albertson,Esq.

11

John M. Bond, Jr.

12

Donald M. Bowman, Jr.

13

Dana A. Chryst

14

Hon. Craig A. Dally

15

Patrick J. Freer

16

Rufus A. Fulton, Jr.

17

George W. Hodges

18

Willem Kooyker

19

Donald W. Lesher, Jr.

20

John O. Shirk, Esq.

21

Gary A. Stewart

22

Phil Wenger

23

Senior Management

24

Charlie Nugent

25

Jim Shreiner

26

Craig Hill

27

Craig Roda

28

Scott Kintzing

29

CEOs and Presidents

30

Jill Carson

31

Dick Grafmyre

32

Dave Hanson

33

Steve Miller

34

Curt Myers

35

Gerry Nau

36

John Scaldara

37

Angela Snyder

38

Randy Taylor

39

Mike Wimer

40

Report of Judge of Election

41

Annual Shareholders Meeting

April 30, 2010

42

Management Presentation

43

Forbes Magazine

•Fulton Financial named one of the nation’s
“100 Most Trustworthy Companies”

•Selected from over 8,000 publicly held
companies

•The only bank included in
Large-Cap or Mid-Cap
company lists

•One of only four banks
on entire list

The Fulton Financial Team

45

Management Presentation

46

Milestones of 2009

47

Protecting the company

•Preserving capital
through uncertain
and unstable times

48

Quarterly cash dividend

•Very important to
shareholders

•Needed to retain more
earnings

•Reduced, but
preserved, the dividend

•Look to increase this in
the future

49

Reducing expenses

•2007/2008 consolidations =
2009 benefits

50

Maryland mergers

Fulton Financial Corporation - 2010

52

Weathering the storm

•Increased FDIC
assessment

•Significant stock
price decrease

•Loan losses beyond
our historical
performance

53

Loan quality

•Credit issues - major challenge in 2009

•Worked to
address issues early

•Managing commercial
real estate portfolio
carefully

54

Loan activity

•We are lending!

•Some credit-worthy
customers did not
want to borrow

•Despite this,
loans increased slightly

55

Customer experience

WE WILL:

•Care

•Listen

•Understand

•Deliver

56

Measurement

•A variety of measurement systems in
place

•Measure key drivers of customer
satisfaction

•Strong results, and working to make
them even stronger

57

Market share growth

•Market share increased in
36 out of 53 counties served
in our five-state market

•Market share increased
in 27 out of 31 counties served
in PA, MD, and DE

58

Market share growth

Due to:

•Superior customer experience

•Business development efforts

•Customer segmentation

•Marketing/promotions

59

Our Brand: Listening is just the beginning.

COMMUNITY BANKING

SMALL BUSINESS

HIGH NET WORTH

RETAIL BANKING

60

Investments in our future

•Completion of major
technology initiatives

•Creation of the
“School of Promise”

•New branches opened

•Added focus on small business

•Relationship rewards

61

Milestones of 2009

62

Special Video Presentation

“MyJourney”

Words from our employees

63

Milestones of 2009

64

Management Presentation

65

Headed in the right direction

December 31, 2009:

¨Gain of $53.8 million (31cents per share)

66

Stock price

4/30/09

$6.50

4/28/10

$10.95

Source:Yahoo! Inc.

First quarter 2010 earnings

Net income:

•Up 18 percent
over previous
quarter

•Up 178 percent
over first
quarter of
2009

68

Capital

FFC with

Cap. Purch.

14.70%

11.90%

9.70%

6.30%

Tangible Common Equity

Leverage Capital

Tier 1 Risk-Based Capital

Total Risk-Based Capital

Ratio:

5.00%

6.00%

10.00%

Regulatory Well
Capitalized

FFC without

Cap. Purch.

11.80%

9.00%

7.30%

6.30%

69

Management Presentation

70

Questions and answers

Please remember to:

•Use the microphones in front of room

•Ask only one question to give other
shareholders a chance

•State your name before you ask your
question

71

Annual Shareholders Meeting

April 30, 2010