Fulton Financial Corporation operates as a multi-bank financial holding company that provides various banking and financial services to businesses and consumers. It offers various deposits, such as checking account and savings deposit products, certificates of deposits, and individual retirement accounts. The company also provides consumer lending products, including commercial, financial, agricultural, and real estate loans; secured loan products comprising home equity loans and lines of credit; fixed and variable-rate products, including construction loans and jumbo loans; residential mortgages; and consumer loan products consisting of automobile loans, automobile and equipment leases, personal lines of credit, credit cards and checking account overdraft protection. In addition, it offers equipment leasing, credit cards, letters of credit, cash management services, and traditional deposit products; and investment management, trust, brokerage, insurance, and investment advisory services. Further, the company is involved in reinsuring credit life, and accident and health insurance; and sells various life insurance products. As of January 17, 2012, Fulton Financial Corporation operated 270 banking offices in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia. The company was founded in 1982 and is headquartered in Lancaster, Pennsylvania.