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:	May 12, 2010
(Date of earliest event reported):	May 12, 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.

 On May 12, 2010, Fulton Financial Corporation ("Fulton") posted a new corporate presentation (the “Corporate Presentation”) on its Investor Information website at www.fult.com. The Corporate Presentation, attached as Exhibit 99.1 and incorporated by reference, updates previously filed presentations and provides an overview of Fulton's strategy and performance.

On May 12, 2010, Fulton issued a press release, attached as Exhibit 99.2 and incorporated by reference, announcing that Fulton will participate in the Bank & Thrift Conference sponsored by Janney Capital Markets on May 13 and 14, 2010 at the Rittenhouse Hotel in Philadelphia, Pennsylvania. R. Scott Smith, Jr., chairman and chief executive officer of Fulton, and Charles J. Nugent, senior executive vice president and chief financial officer, are scheduled to make a presentation on May 13 at 4:00 p.m. in which they will be discussing the strategies and first quarter performance of Fulton. Messrs. Smith’s and Nugent’s presentation will include the Corporate Presentation attached as Exhibit 99.1 and incorporated by reference.

Exhibits 99.1 and 99.2 are 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 Corporate Presentation
99.2	Fulton Press Release dated May 12, 2010

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: May 12, 2010 Fulton Financial Corporation     By:  /s/ Charles J. Nugent Charles J. Nugent Senior Executive Vice President and Chief Financial Officer  

EX-99.1

1

Fulton Financial
Corporation
- -------------------------------------
May 2010


Investor Presentation
Data as of March 31, 2010

2

nThis presentation may contain forward-looking statements about Fulton Financial Corporation’s financial
condition, results of operations, business, strategies, products and services. 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.

n Such forward-looking statements reflect the current beliefs and expectations of the Corporation’s
management, are based on estimates, assumptions and projections about the Corporation’s business and its
industry, and involve significant risks and uncertainties, some of which are beyond our control and difficult to
predict. These statements are not guarantees of future performance and actual results may differ materially
from those expressed or forecasted in the forward-looking statements. The Corporation undertakes no
obligation to update or revise any forward-looking statements, whether as a result of new information, future
events or otherwise.Accordingly, investors and others are cautioned not to place undue reliance on such
forward-looking statements.

nMany 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.

nFor 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

3

Presentation Outline

uCorporate Profile

uFranchise and Markets

uInvestment Highlights

uCapital

uLoan Portfolio Snapshot

uEarnings/Peer Group

uFinancial Performance

uSummary

uSupplemental Credit Information

4

Fulton Financial Profile(as of 3/31/10)

nMid-Atlantic regional financial holding company

nA family of 8 community banks in 5 states

nFulton Financial Advisors

nFulton Mortgage Company

n270 community banking offices

nAsset size:$ 16.4 billion

n3,950 Team Members

nMarket capitalization:$ 1.8 billion

nBook value per common share:$ 9.06

nTangible book value per common share:$ 5.94

nShares outstanding: 176.5 million

5

A Valuable Geographic Franchise

6

Maryland Consolidation

7

Superior Customer Experience

Care, Listen, Understand,Deliver

8

Our Brand

COMMUNITY BANKING

SMALL BUSINESS

HIGH NET WORTH

RETAIL BANKING

LISTENING IS JUST THE BEGINNING.

9

Market Share

nMarket share increased

in 36 out of 53 counties
served in our five-state
market

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

10

Investment Highlights

n$230 Million Common Stock Offering / Intend to repay TARP

nStrong capital ratios - Tier 1 risk-based capital ratio of 11.00% pro
forma for common equity offering and TARP repayment

nExpanding net interest margin

nStabilizing asset quality - provision and net charge-offs declined in
the first quarter

nAsset quality ratios compare favorably to peers

nExpense control

nStrong liquidity

nDiversified loan portfolio with managed decline in construction
exposure

nRecent recognition by Forbes

11

Details of Common Stock Offering

nAnnounced April 29, 2010

n21.8 million shares, at $10.40 per share

n$226.7 million proceeds, net of underwriting
discount and commissions

nShares outstanding, post-offering: 198.3 million

nUnderwriter has option to purchase additional
3.3 million shares by May 29, 2010

12

Reasons for Stock Offering

nRedeem preferred stock issued to US
Treasury under TARP

nRepurchase of warrant to purchase 5.5
million shares of common stock

nStrengthen capital position in
anticipation of increases in regulatory
capital requirements

nAcquisitions

nSupport internal growth initiatives

13

Paying Back TARP

nEliminates $18.8 million in annual dividends paid to the U. S.
Treasury

nAdditional capital cushion initially obtained as “insurance”
for protracted recession no longer necessary as economy
improves and asset quality stabilizes

nCombined with common equity offering will enhance quality
of capital base

nPositions corporation for future growth opportunities, both
organic and through acquisition

14

Capital 3/31/10

	Reported	Pro-Forma*
GAAP Capital	$1.97 billion	$1.82 billion
Total Risk-Based Capital	$1.92 billion	$1.77 billion

Total Risk-Based Capital	15.10%	13.90%
Tier 1 Risk-Based Capital	12.20%	11.00%
Leverage Capital	9.80%	8.80%
Tangible Common Equity	6.60%	8.00%
Tangible Common Equity to Risk-Weighted Assets	8.20%	9.90%

*Including effect of stock issuance, excluding underwriter’s option, and payoff of TARP.

15

Forbes.com

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

nSelected from over 8,000 publicly held
companies

nOnly bank included in

large-cap or mid-cap
company lists

nOne of only four banks
on entire list

16

n50 relationships with commitments to lend

of $20 million or more

nMaximum individual commitment: $33 million

nMaximum commitment land development:

$25 million

nMaximum commitment any one development
project: $15 million

nAverage commercial lending relationship size is
$465,500

nLoans and corresponding relationships are
within Fulton’s geographic market area

Summary of Larger Loans

17

2009 Earnings Growth/Peer Group

Fulton Financial Corporation

0.31

-0.03

BOK Financial Corporation

2.96

2.27

First Citizens BancShares, Inc.

11.15

8.73

Valley National Bancorp

0.67

0.67

International Bancshares Corporation

1.90

1.92

UMB Financial Corporation

2.20

2.38

Commerce Bancshares, Inc.

2.07

2.36

Cullen/Frost Bankers, Inc.

3.00

3.50

Trustmark Corporation

1.26

1.59

United Bankshares, Inc.

1.55

2.00

Bank of Hawaii Corporation

3.00

3.99

BancorpSouth, Inc.

0.99

1.45

FirstMerit Corporation

0.90

1.46

TCF Financial Corporation

0.54

1.01

City National Corporation

0.50

2.11

Old National Bancorp

0.14

0.95

Citizens Republic Bancorp

-2.75

-4.30

South Financial Group, Inc.

-5.22

-7.78

Wilmington Trust Corporation

-0.33

-0.36

Susquehanna Bancshares, Inc.

-0.05

0.95

First Midwest Bancorp, Inc.

-0.71

1.00

Associated Banc-Corp

-1.26

1.29

AVERAGE

18

Q1 2010 Earnings Growth/Peer Group

Company Name

First Citizens BancShares, Inc.

10.31

0.83

City National Corporation

0.19

0.04

Fulton Financial Corporation

0.13

0.05

Susquehanna Bancshares, Inc.

0.04

0.02

TCF Financial Corporation

0.26

0.17

Old National Bancorp

0.12

0.08

Bank of Hawaii Corporation

1.09

0.75

Commerce Bancshares, Inc.

0.53

0.38

UMB Financial Corporation

0.65

0.55

First Midwest Bancorp, Inc.

0.08

0.07

BOK Financial Corporation

0.88

0.81

Cullen/Frost Bankers, Inc.

0.79

0.76

Trustmark Corporation

0.37

0.41

International Bancshares Corporation

0.42

0.50

Valley National Bancorp

0.17

0.22

FirstMerit Corporation

0.21

0.33

United Bankshares, Inc.

0.40

0.68

BancorpSouth, Inc.

0.10

0.35

South Financial Group, Inc.

-0.40

-1.10

Whitney Holding Corporation

-0.11

-0.22

Citizens Republic Bancorp

-0.23

-0.39

Associated Banc-Corp

-0.20

0.28

Wilmington Trust Corporation

-0.44

0.25

AVERAGE

MEDIAN

DILUTED EPS

19

Financial Performance

20

First Quarter 2010 Earnings

Net income:

nUp 18 percent
over previous
quarter

nUp 178
percent over
first quarter
of 2009

21

2010 Financial Results (Q1 2010 vs. Q4
2009)

Net income

27,480,000

$

24,390,000

$

Cost of preferred stock

Net income available

Earnings per share

0.13

$

0.11

$

Return on tangible equity

9.13%

7.96%

22

Income Statement Summary (Q1 2010 vs. Q4 2009)

Net Interest Income

138,510

$

136,090

$

2,420

$

2%

Loan Loss Provision

(40,000)

(45,020)

5,020

-11%

Other Income

39,690

41,160

(1,470)

-4%

Securities Losses

(2,220)

(1,870)

(350)

19%

Pre-Tax Income

36,750

29,990

6,760

23%

$

23

2010 Financial Results(First Quarter )

Net income

27,480,000

$

13,080,000

$

Cost of preferred stock

Net income (loss) available

Earnings per share

0.13

$

0.05

$

Return on tangible equity

9.13%

3.88%

24

Pre-Tax Income Summary(First Quarter)

Net Interest Income

138,510

$

124,120

$

14,390

$

12%

Other Income

39,690

44,000

(4,310)

-10%

Pre-Tax Income Before

LLP, Sec Gains (Losses)

and unusual items

78,970

67,890

11,080

16%

Loan Loss Provision

(40,000)

(50,000)

10,000

-20%

Securities Gains (Losses)

(2,220)

2,920

(5,140)

-176%

25

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

*Fulton’s peer group as of March 31, 2010

Associated Banc-Corp

BancorpSouth, Inc.

Bank of Hawaii Corporation

BOK Financial Corporation

Citizens Republic Bancorp

City National Corporation

Commerce Bancshares, Inc.

Cullen/Frost Bankers, Inc.

First Citizens BancShares, Inc.

First Midwest Bancorp, Inc.

First Merit Corporation

Peer Group*

26

Increasing Net Interest Margin

3.78

3.66

3.39

3.00

3.25

3.50

3.75

4.00

Q1

06

Q2

06

Q3

06

Q4

06

Q1

07

Q2

07

Q3

07

Q4

07

Q1

08

Q2

08

Q3

08

Q4

08

Q1

09

Q2

09

Q3

09

Q4

09

Q1

10

FULT

Peer

Top 50

27

6 month cumulative gap:1.10

Well Positioned for Rate Increases

Rate ChangeNII Change (Annual)% Change

+300 bp+ $47.3 million+8.0%

+200 bp+ $27.8 million+4.7%

+100 bp+ $9.4 million+1.6%

- 100 bp-$0.7 million-0.1%

28

Average Loans(Q1 2010 vs. Q4 2009)

Q1 2010

Q4 2009

$

%

(dollars in millions)

Comm'l Mort

4,310

$

4,240

$

70

$

2%

Commercial

3,690

3,710

(20)

-1%

Home Equity

1,640

1,650

(10)

-1%

Construction

960

1,020

(60)

-6%

Resid Mort

940

930

10

1%

Cons./Other

430

440

(10)

-2%

Total Loans

11,970

$

11,990

$

(20)

$

0%

29

Average Loans(First Quarter)

2010

2009

$

%

(dollars in millions)

Comm'l Mort

4,310

$

4,050

$

260

$

6%

Commercial

3,690

3,660

30

1%

Home Equity

1,640

1,700

(60)

-4%

Construction

960

1,230

(270)

-22%

Resid Mort

940

960

(20)

-2%

Cons./Other

430

440

(10)

-2%

Total Loans

11,970

$

12,040

$

(70)

$

-1%

30

Average Loan Growth

-0.6

-5.9

-6.5

-9.0

-6.0

-3.0

0.0

3.0

6.0

9.0

12.0

15.0

03

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

31

Net Charge-Offs To Average Loans

0.95

1.22

1.69

0.00

0.50

1.00

1.50

2.00

01

02

03

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

32

Non-performing Loans to Loans

2.39

2.46

3.21

0.00

1.00

2.00

3.00

4.00

5.00

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

33

Allowance to Loans

2.25

1.91

2.69

0.80

1.10

1.40

1.70

2.00

2.30

2.60

2.90

03

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

34

Allowance to Non-performing Loans

94.1

85.8

77.9

50.0

100.0

150.0

200.0

250.0

300.0

03

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

35

Average Deposits(First Quarter)

2010

2009

$

%

(dollars in millions)

Nonint DDA

1,970

$

1,660

$

310

$

19%

Int DDA

1,980

1,750

230

13%

Savings/MMDA

2,850

2,060

790

38%

CD's

5,210

5,440

(230)

-4%

Cash Management

470

580

(110)

-19%

Total Deposits

12,480

$

11,490

$

990

$

9%

36

Average Deposit Growth

10.1

6.6

6.3

(3.0)

0.0

3.0

6.0

9.0

12.0

15.0

18.0

03

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

37

Average Core Deposit Growth

24.4

18.1

20.6

-5.0

0.0

5.0

10.0

15.0

20.0

25.0

03

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

38

Other Borrowings(First Quarter)

2010

2009

$

%

(dollars in millions)

Federal Funds

400

$

790

$

(390)

$

-49%

FHLB Advances

1,100

1,400

(300)

-21%

Other LT Debt

380

380

-

0%

Other ST Borrowings

-

140

(140)

-100%

Total Borrowings

1,880

$

2,710

$

(830)

$

-31%

39

Other Income

$0

$40

$80

$120

$160

$200

Millions

40

Other Income as a Percent of Total Income

21.8

32.5

33.0

20.0

25.0

30.0

35.0

40.0

03

04

05

06

07

08

09

Q1 10

FULT

Peer

Top 50

41

Efficiency Ratio Lower Than Peers

53.8

61.4

62.9

50.0

52.0

54.0

56.0

58.0

60.0

62.0

64.0

03

04

05

06

07

08

09

1Q 10

FULT

Peer

Top 50

42

Other Expense(Q1 2010 vs. Q4 2009)

(dollars in thousands)

Salaries & Benefits

52,350

$

53,620

$

(1,270)

$

-2%

Occupancy & Equip.

14,740

13,770

970

7%

FDIC Insurance

4,950

4,840

110

2%

Data Proc. & Software

4,240

3,890

350

9%

Supplies & Postage

2,630

2,740

(110)

-4%

Legal & Audit

2,550

2,400

150

6%

Telecommunications

2,270

2,130

140

7%

Marketing

1,830

2,640

(810)

-31%

Outside Services

1,590

2,110

(520)

-25%

Operating Risk Loss

510

870

(360)

-41%

43

Other Expense(First Quarter)

(dollars in thousands)

Salaries & Benefits

52,350

$

55,300

$

(2,950)

$

-5%

Occupancy & Equip.

14,740

14,100

640

5%

FDIC Insurance

4,950

4,290

660

15%

Data Proc. & Software

4,240

4,630

(390)

-8%

Supplies & Postage

2,630

2,660

(30)

-1%

Legal & Audit

2,550

2,230

320

14%

Telecommunications

2,270

2,160

110

5%

Marketing

1,830

2,570

(740)

-29%

Outside Services

1,590

1,760

(170)

-10%

Operating Risk Loss

510

6,200

(5,690)

-92%

44

Overview of First Quarter 2010

n18.2% increase in EPS linked quarter

n11 basis point increase in NIM

nStrong funding and liquidity positions

nStabilization of asset quality

n$5 million reduction in the provision
for loan losses

nImproved coverage ratio

nReduced construction exposure

nExpenses well controlled

45

Future Growth Initiatives

nLeverage community banking market
presence and brand

nCore deposit growth / segmentation

nExpand market share

nGrow quality earning assets

nSuperior customer experience

nGrow non-interest income

nBranch expansion / select markets

46

Fulton Financial Corporation

One Penn Square

Lancaster, PA17602

www.fult.com

47

Supplemental Credit
Information

48

Commercial Loans by Industry

Manufacturing

13.0

RE - Rental and Leasing

12.7

Construction

11.0

Agriculture

8.5

Retail

8.5

Wholesale

7.3

Health Care

6.7

Other

6.0

Financial Services

3.0

Arts and Entertainment

3.0

Transportation

49

Loan Distribution by State(First Quarter)

Average

% of

10 v. 09

%

Balance

Total

Growth

Growth

Pennsylvania

6,617,000

$

55.3%

147,000

$

2%

New Jersey

2,479,000

20.7%

(17,000)

-1%

Maryland

1,471,000

12.3%

(121,000)

-8%

Virginia

1,072,000

8.9%

(64,000)

-6%

Delaware

333,000

2.8%

(14,000)

-4%

11,972,000

$

50

Declining Provision / Stable Net Charge Offs

Provision

Net Charge-Offs / Average Loans

$50

$50

$45

$45

$40

$0

$20

$40

$60

Q1 2009

Q2 2009

Q3 2009

Q4 2009

Q1 2010

($ in millions)

1.00%

0.97%

0.81%

0.97%

0.95%

0.00%

0.50%

1.00%

1.50%

Q1 2009

Q2 2009

Q3 2009

Q4 2009

Q1 2010

51

Net Charge-offs(Q1 2010)

Comm'l

Res. Mtg.

(in thousands)

Pennsylvania

640

$

544

$

3,000

$

141

$

938

$

5,263

$

Maryland

291

-

7,915

-

149

8,355

New Jersey

1,648

1,492

1,893

61

307

5,401

Virginia

(5)

153

7,430

1,125

398

9,101

Delaware

Avg Loans

3,687,000

4,306,000

962,000

2,582,000

435,000

11,972,000

NCO %

0.28%

0.21%

8.41%

0.22%

1.76%

0.95%

52

Loan Delinquency (Key Sectors)

Category	Total (%) 3/31/09	90-Days 3/31/09	Total (%) 3/31/10	90-Days 3/31/10
Commercial Loans	2.26	1.59	2.84	2.13
Consumer Direct	1.27	.54	1.75	.81
Commercial Mortgage	1.88	1.27	2.99	1.62
Residential Mortgage	6.88	3.20	7.65	4.26
Construction	8.78	7.65	10.68	8.49
Total Portfolio	3.00	2.04	3.71	2.38

53

Non-performing Loans*(March 31, 2010)

Comm'l

Res. Mtg.

(in thousands)

Pennsylvania

36,870

$

24,962

$

10,817

$

10,245

$

5,289

$

88,183

$

Maryland

8,510

1,775

34,054

4,997

2,838

52,174

New Jersey

17,943

37,269

18,126

9,012

4,186

86,536

Virginia

14,351

2,740

16,131

14,346

1,877

49,445

Delaware

End Loans

3,685,000

4,323,000

937,000

2,590,000

430,000

11,965,000

NPL%

2.13%

1.63%

8.49%

1.63%

3.55%

2.39%

* Includes accruing loans > 90 days past due.

54

Residential Mortgage and HE Loans

Q1 2010

% of

Avg. Bal.

Total

Pennsylvania

1,322,000

$

51.3%

New Jersey

453,000

17.5%

Maryland

438,000

17.0%

Virginia

218,000

8.4%

Delaware

151,000

5.8%

2,582,000

$

55

C&I Loans by State(March 31, 2010)

Ending

% of

NPL

Allowance

Pennsylvania

2,460,000

$

66.7%

36,870

$

56,930

$

New Jersey

566,000

15.4%

17,950

17,730

Maryland

364,000

9.9%

8,510

6,860

Virginia

265,000

7.2%

14,350

5,990

Delaware

56

Construction Loans(March 31, 2010)

Ending

% of

NPL

Allowance

Pennsylvania

290,000

$

31.0%

10,820

$

12,740

$

Virginia

234,000

25.0%

16,130

30,690

Maryland

227,000

24.2%

34,050

21,260

New Jersey

171,000

18.2%

18,130

7,310

Delaware

57

Declining Construction Exposure

$937

$1,205

$1,367

$1,269

$978

$0

$250

$500

$750

$1,000

$1,250

$1,500

$1,750

12/31/2007

12/31/2008

12/31/2009

3/31/2009

3/31/2010

(7%)

(23%)

(22%)

($ in millions)

Construction Loans /
Total Loans

12.2%

10.5%

8.2%

10.0%

7.8%

58

Construction Loans by Type

Ending

% of

Balance

Total

Commercial Residential

629,000

$

67.1%

Commercial

238,000

25.4%

Real Estate

52,000

5.5%

Other Commercial

18,000

1.9%

937,000

$

59

CRE Loans by State(March 31, 2010)

Ending

% of

NPL

Allowance

Balance

Total

Balance

Allocations

Pennsylvania

2,253,000

$

52.1%

24,960

$

12,480

$

New Jersey

1,216,000

28.1%

37,270

13,380

Maryland

387,000

9.0%

1,780

2,890

Virginia

337,000

7.8%

2,740

4,240

Delaware

130,000

3.0%

3,820

3,440

4,323,000

$

70,570

$

36,430

$

60

Shared National Credits

Ending

Commercial / Industrial

110,980

$

Commercial Real Estate

Total Outstanding

Delinquency: 6.1%

61

Troubled Debt Restructurings

Residential Mtg

27,290

$

16,470

$

C&I/Comm'l Mtg

19,290

24,640

Construction

Note: Excludes non-accrual TDR's

62

Investment Portfolio Detail

63

Investment Portfolio(March 31, 2010)

ENDING

MODIFIED

BALANCE

DURATION

(in millions)

Agency mortgage-backed securities

921.6

$

2.85

Agency collateralized mortgage obligations

1,093.9

1.88

Municipal bonds

373.7

4.50

Auction rate securities

292.3

3.70

Corporate & trust preferred securities

146.7

10.52

U.S. Treasuries and agencies

71.1

3.47

FHLB & FRB stock

100.0

NA

Bank stocks

31.7

NA

Other investments

25.1

NA

Net unrealized gain / (loss)

47.6

64

Fulton Financial Corporation

One Penn Square

Lancaster, PA17602

www.fult.com

EX-99.2

Fulton Financial

CORPORATION

FOR IMMEDIATE RELEASE	Contact:              Laura J. Wakeley
	Office:                 717-291-2616

Fulton Financial Corporation to present

at the Janney Capital Markets Bank & Thrift Conference

(May 12) – Lancaster, PA  – Fulton Financial Corporation (Nasdaq: FULT) today announced that it will participate as a presenter at the Bank & Thrift Conference sponsored by Janney Capital Markets on May 13 and 14, 2010 at the Rittenhouse Hotel in Philadelphia, Pennsylvania.

R. Scott Smith, Jr., chairman and chief executive officer of Fulton Financial Corporation, and Charles J. Nugent, senior executive vice president and chief financial officer, are scheduled to make a presentation to attendees discussing the strategies and performance of Fulton Financial Corporation from on May 13 at 4:00 p.m. Eastern Time.

A copy of Fulton Financial Corporation’s presentation is available on the company’s website at www.fult.com.

Fulton Financial Corporation is a $16.5 billion financial holding company based in Lancaster, PA.  The company operates 8 banks in Pennsylvania, New Jersey, Delaware, Maryland and Virginia.

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