Fulton Financial Corporation to Enhance Credit Card Services

LANCASTER, PA, Apr 18 (MARKET WIRE) --
Fulton Financial Corporation (NASDAQ: FULT) today announced that it has
entered into a definitive agreement with U. S. Bank National Association ND,
d/b/a Elan Financial Services ("Elan"), to significantly enhance the credit
card services it provides to customers of its affiliate banks. Under the
provisions of the agreement, Fulton will sell its credit card portfolio, with
a current outstanding balance of approximately $85 million, to Elan. The
transaction is expected to close within 45 days.

Under the terms of its agreement with Elan, Fulton will continue to sell and
support credit card products and services through its affiliate bank branches
and the credit cards will continue to be issued under the name of each of
the corporation's 10 banks. The sale component of the transaction is expected to
result in a 2008 pre-tax gain of approximately $10 million. The actual gain will
depend on the balance of the portfolio on the sale date, among other factors.

R. Scott Smith, Jr., chairman, chief executive officer and president of
Fulton Financial Corporation, described the agreement, saying, "This
arrangement will create value for our customers and our shareholders. For
investors, the transaction will be accretive to earnings not only in the
first year, but also in the future, with significant additional revenue being
generated by our joint marketing initiatives. For customers, this partnership
will provide them with more personally tailored card features and benefits. They
will continue to receive the high-touch personal service that they have come to
expect from their relationships with our family of community banks."

Under the agreement, Fulton will be able to expand its overall credit card
customer base by offering a more competitive product line to both existing and
new
markets. The enhanced product menu will include both a cash-back rewards program
as
well as a card specifically designed for the student market. The agreement
includes strong marketing support from Elan. Fulton expects the transaction to
be completed in the second quarter of 2008.

Fulton Financial Corporation is a Lancaster, Pennsylvania-based financial
holding
company with over 3,900 employees and which operates more than 265 banking
offices in Pennsylvania, Maryland, Delaware, New Jersey and Virginia through
the following affiliates: Fulton Bank, Lancaster, PA; Swineford National
Bank, Middleburg, PA; Lafayette Ambassador Bank, Easton, PA; FNB Bank, N.A.,
Danville, PA; Hagerstown Trust, Hagerstown, MD; Delaware National Bank,
Georgetown, DE; The Bank, Woodbury, NJ; The Peoples Bank of Elkton, Elkton, MD;
Skylands Community Bank, Hackettstown, NJ; and The Columbia Bank, Columbia,
MD.

The Corporation's financial services affiliates include Fulton Financial
Advisors,
N.A., Lancaster, PA; Fulton Insurance Services Group, Inc., Lancaster, PA; and
Dearden, Maguire, Weaver and Barrett, LLC, West Conshohocken, PA.

Residential mortgage lending is offered by all banks through Fulton Mortgage
Company.

Additional information on Fulton Financial Corporation is available on the
Internet at www.fult.com.

Safe Harbor Statement:

This news release may contain forward-looking statements with respect to our
financial condition, results of operations and business. Forward-looking
statements
are encouraged by the Private Securities Litigation Reform Act of 1995. When
words
such as "believes," "expects," "anticipates" or similar expressions are used in
this
release, the Corporation is making forward-looking statements.

Such forward-looking statements reflect the Corporation's current views
andexpectations based largely on information currently available to its
management, and on its current expectations, assumptions, plan, estimates,
judgments, and projections about its business and its industry, and they
involve inherent risks, contingencies, uncertainties and other factors. Although
the Corporation believes that these forward-looking statements are based on
reasonable estimates and assumptions, the Corporation is unable to provide
any assurance that its expectations will, in fact, occur or that its estimates
or assumptions will be correct and actual results could differ materially from
those expressed or implied by such forward-looking statements and such
statements are not
guarantees of future performance. The Corporation undertakes no obligation to
update
or revise any forward-looking statements. Accordingly, investors and others
arecautioned not to place undue reliance on such forward-looking statements.

Many factors could affect future financial results including, without
limitation,
acquisition and growth strategies, market risk, the effect of competition
and interest rates on net interest margin and net interest income, investment
strategy and income growth, investment securities gains, other-than-temporary
impairment of investment securities, deposit and loan growth, asset quality,
balances of risk-sensitive assets to risk-sensitive liabilities, employee
benefits and
other expenses, amortization of intangible assets, goodwill impairment,
capital and liquidity strategies and other financial and business matters for
future
periods.

For a more complete discussion of certain risks and uncertainties
affectingthe Corporation, please see the sections entitled "Risk Factors" and
"Management's Discussion and Analysis of Financial Condition and Results
ofOperations ---- Forward-Looking Statements" set forth in the Corporation's
filings with
the Securities and Exchange Commission.

2008

CONTACT:
Laura J. Wakeley
Office: 717-291-2616
Cell: 717-371-2379

Copyright 2008, Market Wire, All rights reserved.

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