Annual Shareholders’ Meeting

April 28, 2011

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}Please remember that during today’s program, representatives of Fulton may
make forward-looking statements with respect to Fulton’s financial condition,
results of operations and business. 

}These forward-looking statements are not guarantees of future performance
and are subject to risks, uncertainties and other factors, some of which are
beyond Fulton’s control and difficult to predict and could cause actual results to
differ materially from those expressed or forecasted in the forward-looking
statements.

}Fulton undertakes no obligation, other than required by law, to update or revise
any forward-looking statements, whether as a result of new information, future
events or otherwise.   

}In our quarterly earnings releases and other material news releases which our
available on our website at www.fult.com, we include our safe harbor statement
on forward-looking statements; we refer you to this statement in those news
releases and the statement is incorporated into this presentation. 

}For a more complete discussion of certain risks and uncertainties affecting
Fulton, please see the sections entitled “Risk Factors” and “Management’s
Discussion and Analysis of Financial Condition and Results of Operations” set
forth in Fulton’s filings with the Securities and Exchange Commission.

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}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.

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}Business Meeting

◦Proposals:

–Election of directors

–Directors’ Equity Plan

–Say on Pay

–Say “When” on Pay

–Ratification of appointment of independent auditor

◦Introductions

◦Results of Voting

◦Conclusion of Business Meeting

}Management Presentation

}Questions and Answers

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April 28, 2011

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Report of the Judge of Elections

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}Mortgage banking growth

◦Strong refinance activity

}Expense control

}Expansion of net interest margin

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}Hindered greater success

}Reduced the number of financial institutions

In 2010:355 fewer depository institutions

In 2011:28 failed banks as of 3/31/11

}Loan growth sluggish

}Customers continue to be cautious

}Some customers unable to pay us

}Credit costs continue to impact performance

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}Despite challenges, your company continues
to move forward

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}Successful $230 million stock offering

}Paid back $376.5 million in TARP funds
to the U.S. Department of the Treasury

}Purchased the associated warrant

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}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

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}Raised the cash dividend in March

}Looking to raise it again
as economy gains strength

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Is NOT about:

}size or structure

IS about:

}deep and sustainable relationships

}local decision-making

}first-hand knowledge of local banking needs

Enables us to be:

}Consistent in supporting customers

}Flexible in service delivery

}Unwavering in community support

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}900+pages

}250 additional rules
for the banking industry

}We support the beneficial
regulatory changes

}We are opposed to those items that maybe
harmful to Fulton and our customers

}By adapting more quickly, we can focus our
attention elsewhere - working to outperform
our competitors

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}Strong performance continues

}Net income:$33.8 million or 17 cents
per diluted share

}5% decrease in provision for credit losses
from 4th quarter 2010

}Non-performing loans decreased $10.78
million or 3.3% from 4th quarter 2010

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April 28, 2011

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1st quarter stock price change -
Large banks

Average

0.4%

1.6%

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1st quarter stock price change -
Selected indices

Closing Price

Price Change Since

Rank

Company Name

3/31/2011

12/31/2010

3/31/2010

12/31/2010

3/31/2010

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Dow Jones Industrials

$12,319.73

$11,577.51

$10,856.63

6.4%

13.5%

2

S&P 500

$1,325.83

$1,257.64

$1,169.43

5.4%

13.4%

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S&P 500 Financials

$220.71

$214.77

$214.75

2.8%

2.8%

Bank Indices:

1

S&P Regional Bank Index

$54.96

$54.29

$54.56

1.2%

0.7%

2

KBW Regional Bank Index

$54.18

$53.66

$53.22

1.0%

1.8%

3

KBW Bank Index (Top 24)

$51.92

$52.21

$52.00

-0.6%

-0.2%

4

Nasdaq Bank Index

$1,827.79

$1,847.35

$1,868.19

-1.1%

-2.2%

Average

2.2%

4.3%

Average Bank Indices

0.1%

0.1%

Fulton Financial Corporation

$11.11

$10.34

$10.20

7.4%

8.9%

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Stock price - 12 month change -
Large banks

Closing Price

Price Change Since

Rank

Company Name

3/31/2011

12/31/2010

3/31/2010

12/31/2010

3/31/2010

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KeyCorp

$8.88

$8.85

$7.75

0.3%

14.6%

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SunTrust Banks, Inc.

$28.84

$29.51

$26.79

-2.3%

7.7%

5

$62.99

$60.72

$59.70

3.7%

5.5%

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JPMorgan Chase & Co.

$46.10

$42.42

$44.75

8.7%

3.0%

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Fifth Third Bancorp

$13.89

$14.68

$13.56

-5.4%

2.4%

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U.S. Bancorp

$26.43

$26.97

$25.88

-2.0%

2.1%

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$13.33

$13.34

$17.85

-0.1%

-25.3%

Average

0.4%

1.6%

Median

0.3%

3.0%

Fulton Financial Corporation

$11.11

$10.34

$10.20

7.4%

8.9%

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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

Annual Shareholders’ Meeting

April 28, 2011

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