exhibit.htm

Fulton Financial
Corporation
-------------------------------------

Investor Presentation
Data as of September 30, 2010

n This 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.

n Many 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.

n 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

Presentation Outline

u Corporate Profile

u Franchise and Markets

u Overview of the 3rd Quarter

u Capital

u Earnings/Peer Group

u Financial Performance

u Supplemental Credit Information

u Investment Portfolio

Fulton Financial Profile (as of 9/30/10)

n Mid-Atlantic regional financial holding company

n A family of 8 community banks in 5 states

n Fulton Financial Advisors

n Fulton Mortgage Company

n 272 community banking offices

n Asset size: $ 16.3 billion

n 3,800 Team Members

n Market capitalization: $ 1.8 billion

n Book value per common share: $ 9.43

n Tangible book value per common share: $6.67

n Shares outstanding: 198.9 million

A Valuable Geographic Franchise

Superior Customer Experience

WE WILL CARE, LISTEN,
UNDERSTAND, AND DELIVER

Our Brand

COMMUNITY BANKING

SMALL BUSINESS

HIGH NET WORTH

RETAIL BANKING

Overview of the 3rd Quarter

n TARP redeemed in full on July 14th

n Repurchased associated warrant on September 8th

n Strong mortgage activity and related sale gains

n Net interest margin expansion

n Continued core deposit growth / highly liquid

n Regulation E overdraft guidelines implemented

n Announced merger of Delaware affiliate into Fulton
Bank

n Expenses well controlled

Overview of the 3rd Quarter / Credit

n Loan balances stable / growth offset
runoff and charge-offs

n Earning asset growth a challenge

n Economic recovery slower than
anticipated

n Non-performing assets and overall
delinquency increased linked quarter

n Further reduction in construction
exposure

n Provision unchanged from prior quarter

n 52 relationships with commitments to lend

of $20 million or more

n Maximum individual commitment: $33 million

n Maximum commitment land development:

$25 million

Ø Maximum commitment any one development
project: $15 million

n Average commercial lending relationship size is
$459,711

n Loans and corresponding relationships are
within Fulton’s geographic market area

Summary of Larger Loans 9/30/10

Basel Capital Guidelines

n Corporation’s current capital levels
exceed preliminary guidelines

n Possible further definition and
clarification from U. S. Regulatory
Authorities

Capital 9/30/10

GAAP Capital	$1.88 billion
Total Risk-Based Capital	$1.77 billion

Total Risk-Based Capital Ratio	13.90%
Tier 1 Risk-Based Capital Ratio	11.40%
Leverage Capital Ratio	9.20%
Tangible Common Equity Ratio	8.40%
Tangible Common Equity to Risk-Weighted Assets	10.45%

Dodd Frank Act

n Established organizational structure
to address each applicable Title

n Expect market opportunities with
appropriate planning and strategizing

n Believe we are in a better position to
absorb increased costs than smaller
competitors

Mortgage Foreclosures

n Media focus is largely on high volume
servicing/ foreclosure operations

n Each customer viewed on case-by-case basis

n Strive to keep borrowers in their homes

n Approximately 300 residential foreclosure
actions initiated during first nine months of
this year

n Currently conducting review of our foreclosure
requirements, foreclosure procedures and law
firms we use

n The impact of any deficiencies which may be
discovered is not expected to be material

Financial Performance

Quarterly Net Income (in millions)

13.1

23.3

24.4

27.5

31.7

37.7

0.0

10.0

20.0

30.0

40.0

Q1 09

Q2 09

Q3 09

Q4 09

Q1 10

Q2 10

Q3 10

Income Statement Summary

Net Interest Income

140,190

139,160

1,030

Loan Loss Provision

(40,000)

Other Income

50,270

43,060

7,210

17%

Securities Gains

1,830

900

930

103%

Other Expenses

(101,820)

(100,160)

(1,660)

Net Income

37,680

31,680

6,000

19%

Net Income Available to

Income Statement Summary (YTD September)

Net Interest Income

417,850

384,860

32,990

Loan Loss Provision

(120,000)

(145,000)

25,000

-17%

Other Income

133,020

130,520

2,500

Securities Gains

510

2,950

(2,440)

-83%

Other Expenses

(301,200)

(313,990)

12,790

-4%

Net Income

96,840

49,540

47,300

95%

Cost of Preferred Stock

(16,300)

(15,120)

(1,180)

Net Income Available to

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 September 30, 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*

Net Interest Margin

3.81

3.73

3.37

3.00

3.25

3.50

3.75

4.00

FULT

Peer

Top 50

Average Loans (Q3 2010 vs. Q2 2010)

Q3 2010

Q2 2010

(dollars in millions)

Comm'l Mort

4,340

4,320

Commercial

3,670

3,690

(20)

-1%

Home Equity

1,640

Resid Mort

1,000

970

Construction

870

910

(40)

-4%

Cons./Other

440

430

Total Loans

11,960

Average Loans (September 30th - Year to Date)

2010

2009

(dollars in millions)

Comm'l Mort

4,320

4,100

220

Commercial

3,680

3,660

Home Equity

1,640

1,670

(30)

-2%

Resid Mort

970

940

Construction

910

1,140

(230)

-20%

Cons./Other

440

460

(20)

-4%

Total Loans

11,960

11,970

(10)

Average Loan Growth

(0.1)

(5.0)

(5.4)

-9.0

-6.0

-3.0

0.0

3.0

6.0

9.0

12.0

15.0

YTD

9/10

FULT

Peer

Top 50

Net Charge-Offs To Average Loans

1.10

1.03

1.92

0.00

0.50

1.00

1.50

2.00

YTD

9/10

FULT

Peer

Top 50

Non-performing Loans to Loans

2.87

2.56

2.97

0.00

1.00

2.00

3.00

4.00

Q2 10

Q3 10

FULT

Peer

Top 50

NOTE: Peer and Top 50 data
not available for Q3 10

Allowance to Loans

2.38

2.06

2.80

0.80

1.10

1.40

1.70

2.00

2.30

2.60

2.90

Q2 10

Q3 10

FULT

Peer

Top 50

NOTE: Peer and Top 50 data
not available for Q3 10

Allowance to Non-performing Loans

83.2

87.1

83.9

50.0

100.0

150.0

200.0

250.0

300.0

Q2 10

Q3 10

FULT

Peer

Top 50

NOTE: Peer and Top 50 data
not available for Q3 10

Average Deposits (Q3 2010 vs. Q2 2010)

Q3 2010

Q2 2010

(dollars in millions)

Nonint DDA

2,140

2,080

Int DDA

2,130

2,020

110

Savings/MMDA

3,210

3,090

120

CD's

4,990

5,120

(130)

-3%

Cash Management

460

470

(10)

-2%

Total Deposits

12,930

12,780

150

Average Deposits (September 30th - Year to Date)

2010

2009

(dollars in millions)

Nonint DDA

2,070

1,800

270

15%

Int DDA

2,040

1,820

220

12%

Savings/MMDA

3,050

2,310

740

32%

CD's

5,100

5,540

(440)

-8%

Cash Management

470

550

(80)

-15%

Total Deposits

12,730

12,020

710

Average Deposit Growth

7.0

5.0

4.3

(3.0)

0.0

3.0

6.0

9.0

12.0

15.0

18.0

YTD

9/10

FULT

Peer

Top 50

Other Income

0.0

40.0

80.0

120.0

160.0

200.0

Millions

YTD Sept

YTD Dec

Other Income (Q3 2010 vs. Q2 2010)

(dollars in thousands)

Mort. Sales Gains

12,110

3,060

9,050

296%

Overdraft & NSF Fees

8,830

9,620

(790)

-8%

Invt Mgt & Trust

8,600

8,660

(60)

-1%

Service Charges

3,410

3,350

Debit Card Fees

3,360

3,370

(10)

Cash Mgt Fees

2,520

2,510

Merchant Fees

2,250

2,120

130

Other Income (September 30th - Year to Date)

(dollars in thousands)

Overdraft & NSF Fees

27,330

26,570

760

Invt Mgt & Trust

25,350

23,970

1,380

Mort. Sales Gains

18,540

18,760

(220)

-1%

Service Charges

9,860

9,760

100

Debit Card Fees

9,690

8,060

1,630

20%

Cash Mgt Fees

7,310

8,940

(1,630)

-18%

Merchant Fees

6,190

5,650

540

10%

More Efficient Than Peers

52.8

60.8

63.5

50.0

52.0

54.0

56.0

58.0

60.0

62.0

64.0

YTD

9/10

FULT

Peer

Top 50

Other Expense (Q3 2010 vs. Q2 2010)

(dollars in thousands)

Salaries & Benefits

54,530

54,650

(120)

Occupancy & Equip.

13,480

13,180

300

FDIC Insurance

4,710

5,140

(430)

-8%

Data Proc. & Software

4,320

4,070

250

Legal & Audit

3,040

3,030

Supplies & Postage

2,660

2,820

(160)

-6%

OREO & Repo Expense

2,620

1,880

740

39%

Marketing

2,600

2,270

330

15%

Telecommunications

2,080

2,090

(10)

Other Expense (September 30th - Year to Date)

(dollars in thousands)

Salaries & Benefits

161,530

165,190

(3,660)

-2%

Occupancy & Equip.

41,400

41,090

310

FDIC Insurance

14,800

21,740

(6,940)

-32%

Data Proc. & Software

12,630

13,970

(1,340)

-10%

Legal & Audit

8,620

6,700

1,920

29%

Supplies & Postage

8,120

8,190

(70)

-1%

OREO & Repo Expense

7,170

6,090

1,080

18%

Marketing

6,700

6,280

420

Telecommunications

6,440

6,480

(40)

-1%

Operating Risk Loss

1,820

6,680

(4,860)

-73%

Corporate Priorities

n EPS growth to improve total shareholder return

n Reduce credit costs and construction exposure

n Aggressively seek quality loans / protect current
relationships

n Pricing to reward, retain and enhance retail
customer relationships

n Leverage our brand and Forbes recognition

n Consistent superior customer experience

n Continue to align funding costs with protracted low
rate environment

n Offset impact of Regulation E changes / focus on
non-interest income

Fulton Financial Corporation

One Penn Square

Lancaster, PA 17602

www.fult.com

Supplemental Credit
Information

Commercial Loans by Industry (Sept. 30, 2010)

Manufacturing

13.7

RE - Rental and Leasing

13.4

Construction

11.8

Agriculture

8.3

Retail

8.1

Wholesale

7.6

Health Care

6.5

Other

5.4

Financial Services

3.1

Arts and Entertainment

2.3

Transportation

Loan Distribution by State (Q3 2010)

Average

% of

10 v. 09

Balance

Total

Growth

Pennsylvania

6,720,000

56.2%

275,000

New Jersey

2,450,000

20.5%

(31,000)

-1%

Maryland

1,395,000

11.7%

(134,000)

-9%

Virginia

1,055,000

8.8%

(63,000)

-6%

Delaware

340,000

2.8%

(3,000)

-1%

11,960,000

Provision and Net Charge-Offs

Provision

Net Charge-Offs / Average Loans

$50

$45

$40

$20

$40

$60

Q2 09

Q3 09

Q4 09

Q1 10

Q2 10

Q3 10

($ in millions)

0.97%

0.81%

0.97%

0.95%

0.97%

1.19%

0.00%

0.50%

1.00%

1.50%

Q2 09

Q3 09

Q4 09

Q1 10

Q2 10

Q3 10

Net Charge-offs (Recoveries) (Q3 2010)

Comm'l

(in thousands)

Pennsylvania

3,913

314

1,429

5,667

Maryland

(1,742)

(160)

11,873

159

542

10,672

New Jersey

2,300

1,285

589

1,092

5,266

Virginia

(89)

(3)

10,133

275

152

10,468

Delaware

Avg Loans

3,671,000

4,342,000

868,000

998,000

2,081,000

11,960,000

NCO %

0.49%

0.34%

10.58%

0.30%

0.69%

1.19%

Loan Delinquency (Key Sectors)

Category	Total (%) 9/30/10	90-Days 9/30/10	Total (%) 9/30/09	90-Days 9/30/09
Commercial Loans	3.08	2.31	2.26	1.65
Consumer Direct	1.54	0.71	1.69	0.65
Commercial Mortgage	2.85	2.29	1.84	1.31
Residential Mortgage	9.19	5.26	9.28	5.14
Construction	12.02	10.98	11.37	10.12
Total Portfolio	3.86	2.87	3.34	2.34

Non-performing Loans* (September 30, 2010)

Comm'l

(in thousands)

Pennsylvania

43,683

38,901

9,615

13,809

4,620

110,628

Maryland

9,685

4,540

36,196

4,444

2,156

57,021

New Jersey

17,944

44,009

15,319

11,481

4,352

93,105

Virginia

12,540

4,395

29,788

17,936

961

65,620

Delaware

End Loans

3,684,000

4,346,000

834,000

1,002,000

2,084,000

11,950,000

NPL%

2.31%

10.98%

5.19%

0.65%

2.87%

* Includes loans > 90 days past due and accruing.

Residential Mtg by State (September 30, 2010)

Ending

% of

NPL

Allowance

Pennsylvania

473,000

47.2%

13,810

6,400

New Jersey

162,000

16.2%

11,480

2,600

Maryland

121,000

12.1%

4,440

1,710

Virginia

180,000

18.0%

17,940

8,070

Delaware

6.6%

C&I Loans by State (September 30, 2010)

Ending

% of

NPL

Allowance

Pennsylvania

2,473,000

67.1%

43,680

67,100

New Jersey

566,000

15.4%

17,940

22,780

Maryland

351,000

9.5%

9,690

5,810

Virginia

261,000

7.1%

12,540

9,610

Delaware

0.9%

Construction Loans (September 30, 2010)

Ending

% of

NPL

Allowance

Pennsylvania

316,000

37.9%

9,610

17,270

Virginia

189,000

22.7%

29,790

19,350

Maryland

175,000

21.0%

36,200

26,800

New Jersey

139,000

16.7%

15,320

8,220

Delaware

1.8%

Declining Construction Exposure

$834

$1,029

$1,367

$1,269

$978

$250

$500

$750

$1,000

$1,250

$1,500

$1,750

12/31/2007

12/31/2008

12/31/2009

09/30/2009

09/30/2010

(7%)

(23%)

(19%)

($ in millions)

Construction Loans /
Total Loans

12.2%

10.5%

8.2%

8.6%

7.0%

Construction Loans by Type 9/30/10

Ending

% of

Balance

Total

Commercial Residential

534,000

64.0%

Commercial

244,000

29.3%

Real Estate

45,000

5.4%

Other Commercial

11,000

1.3%

834,000

CRE Loans by State (September 30, 2010)

Ending

% of

NPL

Allowance

Balance

Total

Balance

Allocations

Pennsylvania

2,265,000

52.1%

38,900

19,560

New Jersey

1,216,000

28.0%

44,010

12,110

Maryland

388,000

8.9%

4,540

3,040

Virginia

350,000

8.1%

4,400

6,120

Delaware

127,000

2.9%

8,440

3,260

4,346,000

100,290

44,090

Shared National Credits (September 30, 2010)

Ending

Commercial / Industrial

117,930

Commercial Real Estate

Total Outstanding

Delinquency: 2.8%

Troubled Debt Restructurings

Residential Mtg

35,380

32,010

C&I/Comm'l Mtg

20,650

19,210

Construction

5,750

6,160

Consumer/other

Note: Excludes non-accrual TDR's

Investment Portfolio Detail

Investment Portfolio (September 30, 2010)

ENDING

MODIFIED

BALANCE

DURATION

(in millions)

Agency collateralized mortgage obligations

928.0

1.81

Agency mortgage-backed securities

838.7

2.44

Municipal bonds

350.2

4.92

Auction rate securities

271.6

3.38

Corporate & trust preferred securities

139.3

10.46

U.S. Treasuries and agencies

11.0

0.59

FHLB & FRB stock

101.1

Bank stocks

29.0

Other investments

24.2

Net unrealized gain / (loss)

68.9

Fulton Financial Corporation

One Penn Square

Lancaster, PA 17602

www.fult.com

Version 2010-11-05