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Exhibit 99.3
SKYLANDS FINANCIAL CORPORATION
176 Mountain Avenue
Hackettstown, NJ 07840
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NOTICE OF ANNUAL MEETING OF SHAREHOLDERS
TO BE HELD ON July 17, 2000
WE HEREBY GIVE YOU NOTICE that Skylands Financial Corporation will hold an
annual meeting of shareholders on Monday, July 17, 2000, at 6:00 p.m., local
time, at Panther Valley Golf and Country Club, Route 517, Allamuchy Township,
New Jersey, to consider and vote upon the following matters, all as more fully
described in the accompanying proxy statement/prospectus:
1. To elect eleven directors to the Board of Directors of Skylands;
2. The approval and adoption of the Agreement and Plan of Merger dated
February 23, 2000, as amended and restated as of May 1, 2000, between Fulton
Financial Corporation and Skylands, which provides, among other things, for the
merger of Skylands with and into Fulton Financial and the conversion of each
share of common stock of Skylands outstanding immediately prior to the merger
into .819 shares of Fulton Financial common stock, plus cash in lieu of any
fractional share interest;
3. The adjournment of the annual meeting, if necessary, to permit further
solicitation of proxies in the event there are not sufficient votes at the time
of the annual meeting to approve the merger agreement; and
4. The transaction of such other business as may properly be brought
before the annual meeting.
The Board of Directors of Skylands recommends a vote "FOR" each proposal
and the nominees for election to the Board of Directors.
The Board of Directors of Skylands has fixed the close of business on
June 5, 2000, as the record date for determining shareholders entitled to
notice of, and to vote at, the annual meeting. A list of shareholders entitled
to vote at the annual meeting will be available for inspection at Skylands' main
office for a period of ten days prior to the annual meeting and also will be
available for inspection at the annual meeting.
Your vote is important regardless of the number of shares you own. Whether
or not you plan to attend the annual meeting, the Board of Directors of Skylands
urges you to complete, sign, date and return the enclosed proxy card as soon as
possible in the enclosed postage-paid envelope. This will not prevent you from
voting in person at the annual meeting but will assure that your vote is counted
if you are unable to attend. If you are a shareholder whose shares are not
registered in your own name, you will need additional documentation from your
record holder in order to vote personally at the annual meeting.
BY ORDER OF THE BOARD OF DIRECTORS
/s/ Norman S. Baron, Secretary
June 16, 2000
