Fulton Financial Corporation · NASDAQ:FULT
Fulton Financial — Shareholder Meeting (May 2007)
45 slides from Fulton Financial's shareholder meeting presentation, May 7, 2007
Slide 1: Fulton Financial Corporation 2007 Annual Meeting
Fulton Financial Corporation 2007 Annual Meeting May 7, 2007
Slide 2: Report of Judge of Election
Fulton Financial Corporation Report of Judge of Election
Slide 3: R. Scott Smith, Jr., Chairman, CEO and President
R. Scott Smith, Jr. Chairman, Chief Executive Officer and President
Slide 4: Yield curve comparison
Yield curve comparison 6.40 5 3 Mo 6Mo 2Yr avr SYr 10Yr
Slide 5: Inverted yield curve duration
Inverted yield curve duration = Since 1971: 7 months = Current yield curve: 11 months
Slide 6: Stock Performance
Fulton Financial Corporation Stock Performance
Slide 7: Stock performance
Stock performance = Year-end 2005: $16.76 = Year-end 2006: $16.70 = 2006 total return: 3.3%
Slide 8: Addressing the challenges
Fulton Financial Corporation Addressing the challenges
Slide 9: Resource Mortgage
Resource Mortgage = Program was stopped in February = Fulton Financial senior management team member reviews and oversees all lending activities at Resource Mortgage
Slide 10: Economy/operating environment
Economy/operating environment Margin pressure — continued challenge To change: = Increase loan volume and/or = More friendly interest rate environment
Slide 11: Our focus
Our focus = Increasing non-interest income = Reducing expenses = Improving productivity
Slide 12: Increasing non-interest income
Increasing non-interest income = Company-wide promotions to increase referrals for fee-generating products and services: = Fulton Financial Advisors = Cash Management = Credit and debit cards = Leasing = International services
Slide 13: Additional services
Additional services BUSINESS CREDIT, L.L.C.
Slide 14: Key Organic Growth Markets
Key Organic Growth Markets FULTON FINANCIAL CORPORATION
Slide 15: Controlling expenses
Controlling expenses = Standardize and centralize where appropriate = Increase productivity through technology eee 15
Slide 16: Bank integration
Bank integration = Premier Bank = First Washington = Somerset Valley = Lebanon Valley dy Fulton Bank The Bank Skylands Fulton Bank —— meee ecemeens' 6
Slide 17: Purpose of consolidations
Purpose of consolidations = More efficient operation = More effectively leverage brand over larger market while maintaining local authority
Slide 18: The future
The future = Continued focus on enhancing the value of your investment over time = Leverage company strengths to create value for: = Shareholders = Employees = Customers = Communities we serve 18
Slide 19: The value of our stock
Fulton Financial Corporation The value of our stock 19
Slide 20: EPS growth
__EPS growth PEER GROUP Diluted EPS Ticker Company Name City State 2006 2005 % 1 TSFG South Financial Goup, Inc. Greenvile SC 1490.94 58.5% 2 WINY Whitney HoldingCorporation © New Orleans LA 2.20 163 35.0% 3 ONB Old National Bancorp Evansvile IN 1.20 0.93 29.0% 4 IRMK Trustmark Corporation Jackson M
Slide 21: EPS growth (continued)
_ EPS growth (continued) PEER GROUP Diluted EPS Ticker Company Name City 2005 15 CBSH Commerce Bancshares, inc. Kansas City 3.01 16 SKYF —SkyFinancial Group, Inc. Bowling Green 1.69 17 MRBK Mercantile Bankshares Corporation Baltimore 2.26 18 CYN City National Corporation Beverty Hills 46 19 VLY Vall
Slide 22: Five-year total shareholder return
Five-year total shareholder return 12-81-01to Rank Company Name Ticker cit State 12-29-06 1 First Republic Bank FRC San Francisco CA 14.13% 2 Bank of Hawaii Corporation BOH Honolulu HI 138.47% 4a First Citizens BancShares, Inc. FCNCA Raleigh NC 16.14% 4 Colonial BancGroup, Inc. CNB © Montgomery AL 1
Slide 23: Five-year total shareholder return
Five-year total shareholder return 12-31-01 to Rank Company Name Ticker City State 12-29-06 16 _ United Bankshares, Inc UBSI Charleston WV 56.55% 17 Wilmington Trust Corporation © WL = Wilmington CE 56.49% 18 Susquehanna Bancshares, Inc SUSQ Lititz PA 55.88% 19 Trustrnark Corporation TRMK Jackson MS
Slide 24: Analysts
_ Analysts = Boenning & Scattergood Market perform = Citigroup Hold = Ferris Baker Watts Neutral = Janney Montgomery Scott Neutral = Keefe Bruyette & Woods Market perform = Piper Jaffray Companies Market perform = RBC Capital Markets Underperform = Sandler O’Neill & Partners Hold = Standard & Poors
Slide 25: Going forward
Going forward = Greater personal accountability through management scorecards = Continue to embrace longstanding corporate values
Slide 26: Special milestones
Special milestones = 25th anniversary = 1254 anniversary FULTON FINANCIAL CORPORATION eLeBRATING 125 Ye ps Fulton Bank . LISTENING.
Slide 27: Fulton Financial Corporation
Fulton Financial Corporation = 12 banks = 3 financial services affiliates = 5 states = 265 branches a ee eemenns 27
Slide 28: The Columbia Bank
THE COLUMBIA BANK
Slide 29: 2006 milestones
2006 milestones = 25 years of record earnings = 32 years of dividend increases = Compounded annual growth rate: 10.1%
Slide 30: 10-year dividend growth
_ 10-year dividend d growth 0.5810 0.5400 0.4932 0.4524 0.4050 03280 93662 0.2672 0.2942 il iil | I 1996 "1997 1998 1999 2000 "p00t "002 2003 2004 2005 2006
Slide 31: Cash dividend
_ Cash dividend = Increased to 15 cents = Payable on July 15 = Record date: June 20 = Dividend yield: 4% ene BI
Slide 32: Rate of return since 1982
Rate of return since 1982 = Compounded rate of return: = With dividend reinvestment: 13% 17% eee es 2
Slide 33: Annual Report
Slide 34: A Balanced Design for Growth
Slide 35: The Fulton Financial Team
Slide 36: Leadership development training
Leadership development training = Individuals capable of higher levels of accountability/responsibility = Work in teams = Focus on a specific topic os eee awemenns 35
Slide 37: Strategic plan missions: Superior financial performance
Strategic plan missions Superior financial performance 37
Slide 38: Strategic plan missions: Superior operating efficiencies
Strategic plan missions Superior operating efficiencies
Slide 39: Strategic plan missions: Superior customer experience
Strategic plan missions Superior customer experience
Slide 40: Strategic plan missions: Superior employee satisfaction
Strategic plan missions Superior employee satisfaction 40
Slide 41: Strategic Plan Missions
Strategic Plan Missions = Superior financial performance = Superior operating efficiencies = Superior customer experience = Superior employee satisfaction
Slide 42: R. Scott Smith, Jr., Chairman, CEO and President
R. Scott Smith, Jr. Chairman, Chief Executive Officer and President 42
Slide 43: Shareholder CD is mailed with your proxy statement
_ Shareholder CD is 7 Mailed with your proxy statement = % of 1% bonus rate = $5,000 in new money = ‘Special Offer to Fulton Financial Corporation Shareholders | Valid through December 31, 2007+ L
Slide 44: Questions and Answers
Fulton Financial Corporation Questions and Answers 44
Slide 45: Fulton Financial Corporation 2007 Annual Meeting
Fulton Financial Corporation 2007 Annual Meeting May 7, 2007 45