Fulton Financial 8K Regulation FD Disclosure | FULT 30 Apr 12

April 30, 2012

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 section of 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.

FORWARD-LOOKING STATEMENT

TODAY’S MEETING

n Tape recorders and cameras are not permitted in
the meeting.

n The display of placards and/or signs is prohibited.

n Please be considerate of others -- silence or turn
off your cell phone during the meeting.

n 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.

WELCOME AND OPENING REMARKS

TODAY’S AGENDA

n Business Meeting

u Proposals:

= Election of directors

= Say on Pay

= Ratification of appointment of independent auditor

u Introductions

u Results of Voting

u Conclusion of Business Meeting

n Management Presentation

n Questions and Answers

CORPORATE WEBSITE: WWW.FULT.COM

April 30, 2012

JEFFREY G. ALBERTSON

JOE N. BALLARD

JOHN M. BOND, JR.

CRAIG A. DALLY

PATRICK J. FREER

RUFUS A. FULTON, JR.

GEORGE W. HODGES

WILLEM KOOYKER

DONALD W. LESHER, JR.

ALBERT MORRISON III

GARY A. STEWART

E. PHILIP WENGER

IN MEMORIAM: JOHN O. SHIRK

April 30, 2012

CHARLIE NUGENT

JIM SHREINER

CRAIG HILL

CRAIG RODA

April 30, 2012

GERRY NAU

JILL CARSON

ROCCO DELVECCHIO

DAVE HANSON

BRYAN HOLMES

CURT MYERS

JOHN SCALDARA

ANGELA SNYDER

MIKE WIMER

April 30, 2012

REFLECTIONS ON 2011

Significant progress and improvement

n Earnings per share growth

n Improvement in ROA

n Better asset quality

n Good core deposit growth

n Margin expansion

n Expense control

HIGHLIGHTS OF 2011

PEER BANKS

n Associated Banc-Corp

n BancorpSouth, Inc.

n BOK Financial Corporation

n City National Corporation

n Commerce Bancshares, Inc.

n Cullen/Frost Bankers, Inc.

n First Horizon National
Corporation

n FirstMerit Corporation

n First Niagara Financial
Group, Inc.

n International Bancshares
Corporation

n Peoples United Financial, Inc.

n Susquehanna Bancshares, Inc.

n Synovus Financial Corp.

n TCF Financial Corporation

n UMB Financial Corporation

n Valley National Bancorp

n Webster Financial Corp.

2011 EARNINGS GROWTH

EPS

STOCK PRICE - 12-MONTH CHANGE

BB&T Buy

Bank of America/Merrill Lynch Underperform

Barclays Capital Overweight

Boenning & Scattergood Neutral

Credit Suisse Neutral

FBR Capital Markets Outperform

Guggenheim Partners Buy

Janney Montgomery Scott Buy

Jefferies and Company Hold

Keefe, Bruyette & Woods Market Perform

Raymond James Market Perform

Sterne Agee Neutral

Stifel, Nicolaus & Co. Buy

Sandler O’Neill Hold

Standard & Poor’s Hold

SunTrust Robinson Humphrey Buy

ANALYST RECOMMENDATIONS

RETURN ON AVERAGE ASSETS

2011 CREDIT QUALITY IMPROVEMENT

n Net charge-offs increased slightly

n Non-performing assets decreased

n Provision for credit losses decreased

AVERAGE CORE DEPOSIT GROWTH

AVERAGE LOAN GROWTH

NET INTEREST MARGIN

n Employees completed 334 Lean initiatives

n Result: $4.5 million in savings to
our company

n We will continue to benefit in 2012
and beyond

2011 LEAN IMPROVEMENT RESULTS

EFFICIENCY RATIO

MERGER OF NEW JERSEY BANKS

n 2011 Greenwich Excellence Awards in
Middle Market Banking

n Fulton Bank, N.A. won in 2 categories

§ Overall Satisfaction in Banking

§ Treasury Management

n National and Regional winner

n Criteria: $10 - $500 million in sales

n 11,500 business interviews

GREENWICH ASSOCIATES

n Care, Listen, Understand, Deliver

n 600 Experience Champions
and Ambassadors

n Learning sessions helped
employee connect with the
“bigger picture”

2011 CUSTOMER EXPERIENCE

Why do we pay so much attention to Our Promise?

n Satisfied customers will increase the business
they bring to us

n More households and more products

Customer Experience

+ strong sales efforts

RESULTS!

CUSTOMER EXPERIENCE

Retail households

Year-end 2010 households: 243,125

Year-end 2011 households: 243,292

Commercial households

Year-end 2010 households: 64,832

Year-end 2011 households: 67,382

Total household increase: 2,717

2011 SALES RESULTS

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.

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.

FORWARD-LOOKING STATEMENT

	Fulton Financial 12/31/11	Basel III (1)
Total Risk-Based Capital Ratio	15.20%	10.50%
Tier 1 Risk-Based Capital Ratio(2)	12.70%	8.50%
Leverage Capital Ratio	10.30%	TBD
Common Equity Ratio (3)	11.30%	7.00%
Tangible Common Equity Ratio(4)	9.15%	NA

CAPITAL

(1) Fully phased-in requirements, with 2.50% conservation buffer; FFC has approximately
$300 million of capital in excess of these Basel III requirements.

(2) 12/31/11 ratio incudes existing trust preferred securities.

(3) Tier 1 common equity to risk-weighted assets.

(4) GAAP tangible equity to total tangible assets.

POTENTIAL USES OF CAPITAL

n Dividends to shareholders

n Repurchase stock

n Strategic acquisitions

n Support organic growth

n Increased 4 out of last 5 quarters

n Dividend yield: approximately 2.7%

n Evaluated quarterly by the FFC board

n Will look to increase it further as our
earnings and the economy improve

DIVIDENDS

n Limited opportunity in 2011

n Do not foresee much change in 2012

n Bank consolidation may increase -
based on economy and new capital
requirements

ACQUISITIONS CLIMATE

The Dodd-Frank Act

n The most comprehensive reform of the
financial system in decades (1,000 pages)

n Enacted following the recent national
financial crisis

n Increased compliance requirements
in many areas: retail, commercial, mortgage

n Makes managing expenses more challenge for
our industry

THE REGULATORY ENVIRONMENT

n Upgrades our core data processing system

n Enables us to more directly address
customers’ financial needs

n Reduces back-office tasks
and paperwork

n Provides a more effective
sales tool

THE STAR PROJECT

n Continue to reduce our credit costs

n Loan growth

n Provide a superior customer experience

n Leverage opportunities to increase our
market share

IMPROVE OUR RETURN ON ASSETS

New construction

n Waugh Chapel (MD)

n Seven Oaks (MD)

n Exton (PA)

n Warrington (PA)

n Madison (NJ)

n Manahawkin (NJ)

Relocations/upgrades

n Oxford (PA)

n McGovern Avenue (PA)

n Branmar (DE)

n Newport News (VA)

n Williamsport (PA)

2012 BRANCH PLANS

NEW BRANCH PROTOTYPE

We will increase shareholder value and enrich
the communities we serve by creating financial
success together with our customers and career
success together with our employees.

OUR ULTIMATE GOAL

A SMOOTH TRANSITION

QUESTIONS AND ANSWERS

Please remember to:

n Use the microphones in front of room

n Ask only one question to give other
shareholders a chance

n State your name before you ask your
question

April 30, 2012

Fulton Financial (FULT) 8-KRegulation FD Disclosure