UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 FORM 10-K
 X ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 December 31, 2008
 OR
 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
 Commission File Number: 1-14659
 WILMINGTON TRUST CORPORATION
  DELAWARE
    
    51-0328154(State
or other jurisdiction of incorporation or organization)
    

(Internal
Revenue Service Employer Identification Number)1100
North Market Street, Wilmington, Delaware
    

19890(Address
of principal executive offices)
    
    (Zip
Code)
 (302)
651-1000(Registrants
telephone number, including area code)
 
 Securities registered pursuant to Section 12(b) of the Act:
 Title of Each Class
    
    Name of Each Exchange on Which RegisteredCommon Stock, $1.00 Par Value
    
    New York Stock Exchange
 Securities registered pursuant to Section 12(g) of the Act:
 X
 X
 X
   Large accelerated filer X
    
    Accelerated filer
    
    Non-accelerated filer 
(Do not check if a smaller reporting company)
    
    Smaller reporting company
 X
   DOCUMENTS INCORPORATED BY REFERENCE:
 Portions of the Proxy Statement for our Annual Shareholders Meeting (Proxy Statement) to be held
April 22, 2009, are incorporated by reference in Part III, and portions of our Annual Report to
Shareholders for 2008 (Annual Report) are incorporated by reference
in Parts I, II, and IV.
 *For purposes of this calculation, Wilmington Trusts subsidiaries and its directors and executive
officers are deemed to be affiliates.




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TABLE OF
    CONTENTS
  PagesPART IItem 1

Business


1Item 1A

Risk Factors


4Item 1B

Unresolved Staff Comments


7Item 2

Properties


8Item 3

Legal Proceedings


8Item 4

Submission of Matters to a Vote of Security
    Holders


8PART IIItem 5

Market for Registrants Common Stock,
    Related Stockholder Matters and Issuer Purchases of Equity
    Securities


9Item 6

Selected Financial Data


10Item 7

Managements Discussion and Analysis of
    Financial Condition and Results of Operations


10Item 7A

Qualitative and Quantitative Disclosure About
    Market Risk


10Item 8

Financial Statements and Supplemental Data


10Item 9

Changes in and Disagreements with Accountants on
    Accounting and Financial Disclosure


11Item 9A

Controls and Procedures


11Item 9B

Other Information


11PART IIIItem 10

Directors, Executive Officers, and Corporate
    Governance


12Item 11

Executive Compensation


12Item 12

Security Ownership of Certain Beneficial Owners
    and Management and Related Stockholder Matters


12Item 13

Certain Relationships and Related Transactions,
    and Director Independence


12Item 14

Principal Accountant Fees and Services


12PART IVItem 15

Exhibits and Financial Statement Schedules


15




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PART I
 
 ITEM 1. BUSINESS
 DESCRIPTION OF BUSINESS
      STAFF MEMBERS
  STATISTICAL INFORMATION
  Statistical information
    
    Section
    
    PageInterest changes due to volume and rate
    
    MD&A interest rate risk discussion
    
    55Maturity distribution of investment securities
    
    Note 6
    
    91Period-end loan balances by loan category
    
    MD&A Regional Banking discussion
    
    15Loan loss reserve allocation for the last five years
    
    MD&A credit risk discussion
    
    48Loan maturities and interest rate sensitivity in the commercial and real estate/construction loan portfolios
    
    MD&A Regional Banking discussion
    
    19Risk elements in the loan portfolio
    
    MD&A credit risk discussion
    
    45Analysis of the loan loss provision and reserve and charge-offs
    
    MD&A credit risk discussion
    
    47Maturity of
time deposits 3 $100,000
    
    Note 11
    
    102Summary of short-term borrowings
    
    Note 12
    
    103Funding sources by deposit type
    
    MD&A liquidity discussion
    
    39Returns on average assets and average equity, dividend payout ratio, and average equity to average assets
    
    MD&A capital resources discussion
    
    35-36Average balance sheets and analysis of net interest earnings for the last five years
    
    
    
    68
 SUPERVISION AND REGULATION




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Participation
in government programs.
 
    
    New deposit insurance
limits. FDIC deposit insurance coverage was increased on October 3,
2008, from $100,000
to $250,000 per depositor for all deposits (individual retirement account deposits continue to
be insured separately up to $250,000). This increase is temporary and, unless extended by
Congress, it will expire on December 31, 2009.
    
    FDIC Transaction Account
Guarantee Program. Under this program, which is part of the
FDICs Temporary Liquidity Guarantee Program (TLGP), all noninterest-bearing deposit
transaction accounts, as well as certain types of transaction accounts with interest rates of
0.5% or less, will be fully guaranteed by the FDIC for the entire amount in the account
through December 31, 2009. This is in addition to and separate from the coverage available
under the FDICs general deposit insurance coverage.
    
    FDIC Debt Guarantee
Program. This program, also part of the FDICs TLGP, guarantees
timely principal and interest payments on senior unsecured debt issued between October 14,
2008, and June 30, 2009. We are participating in this program but, as of December 31, 2008,
had no debt issues that qualified for these guarantees.
    
    Temporary Guarantee
Program for Money Market Funds. Our three money market mutual
funds  the Wilmington Prime Money Market Fund, the Wilmington U. S. Government Money Market
Fund, and the Wilmington Tax-Exempt Money Market Fund  are participating in the U.S.
Department of the Treasurys Temporary Money Market Guarantee Program. This program, which
currently is scheduled to expire on April 30, 2009, provides insurance protection to
shareholders of record in these funds as of September 19, 2008. The guarantee could be
triggered if any of the participating funds share prices were to fall below $1.00. None of
our participating funds has ever fallen below that level. Combined, these three funds had
approximately $7.1 billion in assets under management at December 31, 2008.
 Safety
and soundness.
  Capital requirements and dividend limitations.
  Bank Holding Company Act (BHCA).




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Bank Secrecy Act, USA PATRIOT Act, and Office of Foreign Assets Control regulations (collectively,
the BSA laws).
 Privacy and information security.
 Interstate Banking Act.
 Community Reinvestment Act (CRA).
 Fair
Housing Act.
 Residential mortgage usury laws.
 Consumer protection laws.
 
    
    The Truth-in-Lending Act, which mandates disclosures for certain consumer loans;
    
    The Truth-in-Savings Act, which mandates deposit-related disclosures;
    
    The Equal Credit Opportunity Act, which prohibits discrimination; and
    
    The Fair Credit Reporting Act, which, if we deny a clients application for credit, requires
us to tell the client which credit bureau we used to evaluate the application, and which
imposes rules for information sharing and pre-screened offers of credit.
   ADDITIONAL INFORMATION




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ITEM 1A. RISK FACTORS
  Lending
money is inherently risky
       Changes in market interest rates, and the pace at which they occur, can affect net interest
income adversely
  Securities in our investment portfolio are subject to credit risk, market risk, illiquidity,
and accounting risk




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Volatility
in financial markets can affect our noninterest income adversely
 Circumstances in the mid-Atlantic region, throughout the United States, and around the world
could reduce demand for our services and negatively affect our
ability to conduct business
  
    
    A decrease in the demand for loans and other products and services we offer.
    
    A decrease in client savings, in general, and in demand for the savings and investment products we offer, in particular.
    
    An increase in the number of clients and counterparties who become delinquent, file for
protection under bankruptcy laws, or default on their loans and other obligations to us. An
increase in the number of delinquencies, bankruptcies, or defaults could result in a higher
level of nonperforming assets, net charge-offs, and provisions for loan losses.
  Competition can increase the rates we pay to attract deposits, reduce the interest rates we can
charge on loans, reduce the fees we charge for services, and affect our ability to retain existing
clients or attract new clients




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Changes in accounting rules may affect our reported earnings and operating income
adversely
 Changes in the value of goodwill or intangible assets on our balance sheet could affect
earnings adversely
  Making acquisitions can be risky
  We run the risk of having insufficient liquidity, or funding
    Our access to funding, and our ability to serve some clients, could be affected adversely by
unfavorable rating actions taken by credit rating agencies
 Disruption in the capital and credit markets has created illiquidity and uncertainty
 The failure of other financial institutions could affect us adversely




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There can be no assurance that recent U.S. government intervention will help stabilize the U.S.
financial system
 We and our subsidiaries are subject to a variety of legal and regulatory restrictions
 We and our subsidiaries are subject to various legal proceedings that arise from time to time
in the ordinary course of business
 Negative public opinion could damage our reputation
 Our ability to pay dividends on our common stock depends primarily on the financial results of
our wholly owned subsidiaries
  In the future, we may issue debt and equity securities that could reduce the value of our
common stock
 Our certificate of incorporation may discourage unsolicited acquisition proposals
 Other risks could affect our earnings and damage our reputation
 
 ITEM
1B. UNRESOLVED STAFF COMMENTS




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ITEM 2. PROPERTIES
                        
 ITEM 3. LEGAL PROCEEDINGS
  
 ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS




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PART II
 
 ITEM 5. MARKET FOR REGISTRANTS COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES
  SECURITIES AUTHORIZED FOR ISSUANCE UNDER EQUITY COMPENSATION PLANS
 (c)Number of securities(a)
    
    
    (b)
    
    
    remaining availableNumber of securities to
    
    
    Weighted average
    
    
    for future issuancebe issued upon exercise
    
    
    exercise price of
    
    
    under equity compensationof outstanding options,
    
    
    outstanding options,
    
    
    plans (excluding securitiesPlan Category
    
    warrants, and rights
    
    
    warrants, and rights
    
    
    reflected in column a)Equity compensation
plans approved by
security holders
    
    
    7,072,458
    
    
    $
    34.86
    
    
    
    929,173Equity compensation
plans not approved
by security holders
    
    
    
    
    
    
    
    
    
    
    Total
    
    
    7,072,458
    
    
    $
    34.86
    
    
    
    929,173
 SHARE REPURCHASE ACTIVITY DURING THE FOURTH QUARTER OF 2008
 Total number of
    
    
    Maximum numbershares purchased as part
    
    
    of shares thatTotal number of
    
    
    Average price
    
    
    of publicly announced
    
    
    may yet be purchasedPeriod
    
    shares
repurchased1
    
    
    paid per share
    
    
    plans or programs
    
    
    under the
plan2October
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    13,129,108November
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    13,073,470December
    
    
    3,549
    
    
    $
    16.38
    
    
    
    
    
    
    
    13,077,361Total
    
    
    3,549
    
    
    $
    16.38
    
    
    
    
    
    
    
    13,077,361
 1
    
    Includes 3,549 shares
tendered for cancellation of restricted stock returned to treasury.2
    
    In April 2002, our
Board of Directors authorized the repurchase of up to 8 million
shares of our stock.




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ITEM 6. SELECTED FINANCIAL DATA
 BALANCE SHEET
 At year end (in millions)
    
    2008
    
    
    2007
    
    
    2006
    
    
    2005
    
    
    2004Assets
    
    $
    12,318.9
    
    
    $
    11,485.7
    
    
    $
    11,157.0
    
    
    $
    10,245.4
    
    
    $
    9,519.1Long-term debt
    
    
    468.8
    
    
    
    267.8
    
    
    
    388.5
    
    
    
    400.4
    
    
    
    408.6
 INCOME STATEMENT
 For the years (in millions)
    
    2008
    
    
    2007
    
    
    2006
    
    
    2005
    
    
    2004Interest income
    
    $
    611.4
    
    
    $
    722.2
    
    
    $
    674.8
    
    
    $
    516.6
    
    
    $
    386.5Net interest income
    
    
    357.7
    
    
    
    368.9
    
    
    
    363.1
    
    
    
    328.9
    
    
    
    294.4Provision for loan losses
    
    
    115.5
    
    
    
    28.2
    
    
    
    21.3
    
    
    
    11.8
    
    
    
    15.6Net (loss)/income
    
    
    (23.6
    )
    
    
    182.0
    
    
    
    143.8
    
    
    
    167.0
    
    
    
    136.9
 PER COMMON SHARE DATA
 For the year (in dollars)
    
    2008
    
    
    2007
    
    
    2006
    
    
    2005
    
    
    2004Net (loss)/income  basic
    
    $
    (0.36
    )
    
    $
    2.68
    
    
    $
    2.10
    
    
    $
    2.47
    
    
    $
    2.05Net (loss)/income  diluted
    
    
    (0.36
    )
    
    
    2.64
    
    
    
    2.06
    
    
    
    2.43
    
    
    
    2.02Cash dividends declared
    
    
    1.37
    
    
    
    1.32
    
    
    
    1.245
    
    
    
    1.185
    
    
    
    1.125
 
 ITEM
7. MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
  
 ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
  
 ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
  Statement
    
    PageConsolidated
Statements of Condition as of December 31, 2008, and 2007
    
    
    73Consolidated
Statements of Income for the years ended December 31, 2008,
2007, and 2006
    
    
    74-75Consolidated Statements of Changes in Stockholders Equity for the years ended
December 31, 2008, 2007, and 2006
    
    
    76-77Consolidated
Statements of Cash Flows for the years ended December 31, 2008,
2007, and 2006
    
    
    78-79Notes
to Consolidated Financial Statements
    
    
    80-129Reports
of Independent Registered Public Accounting Firm
    
    
    131-132Unaudited
Selected Quarterly Financial Data
    
    
    72






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ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
FINANCIAL DISCLOSURE
  
 ITEM 9A. CONTROLS AND PROCEDURES
  
 ITEM 9B. OTHER INFORMATION
         Page 11




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PART III
 
 ITEM 10. DIRECTORS, EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE
  
 ITEM 11. EXECUTIVE COMPENSATION
  
 ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED
STOCKHOLDER MATTERS
  
 ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR
INDEPENDENCE
  
 ITEM
14. PRINCIPAL ACCOUNTANT FEES AND SERVICES
  Page 12




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PART IV
 
 ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
   
    
    Free of charge on our Web site at www.wilmingtontrust.com or through the SECs Web site at www.sec.gov.
    
    By sending a written request, plus $0.20 per page for duplicating costs, to Investor
Relations at our headquarters address or to IR@wilmingtontrust.com.
 ExhibitNumber
    
    Exhibit3.1
    
    Amended and Restated Certificate of
Incorporation of the Corporation (Commission File Number 1-14659) 13.2
    
    Amended and Restated Bylaws of the Corporation (Commission File Number 1-14659) 23.3
    
    Form of Amended Certificate of Designations of Series A Junior Participating Preferred Stock dated December 16, 2004
(Commission File Number 1-14659) 33.4
    
    Certificate of Designations for Series A Preferred Stock dated December 12, 2008 (Commission File Number 

1-14659) 44.1
    
    Amended and Restated Rights Agreement dated as of December 16, 2004 between Wilmington Trust Corporation and Wells
Fargo Bank, N.A. (Commission File Number 1-14659) 54.2
    
    Indenture Relating to Subordinated Debt Securities dated as of May 4, 1998 between Wilmington Trust Corporation and
Norwest Bank Minnesota, National Association (Commission File Number 1-14659) 64.3
    
    Officers Certificate dated April 1, 2003 establishing the terms of the 4.875% Subordinated Note due 2013 74.4
    
    Subordinated Note of Wilmington Trust Corporation dated April 4, 2003 (Commission File Number 1-14659) 84.5
    
    Officers Certificate pursuant to the Indenture, dated April 1, 2008, establishing the terms of the 8.50% Subordinated
Note due 2018 94.6
    
    Form of 8.50% Subordinated Note due 2018 (Commission File Number 1-14659) 104.7
    
    Form of Certificate for Series A Preferred Stock (Commission File Number 1-14659) 114.8
    
    Warrant to Purchase Shares of Common Stock (Commission File Number 1-14659) 1210.1
    
    Amended and Restated Supplemental Executive Retirement Plan 710.2
    
    Severance Agreement dated as of February 29, 1996 between Wilmington Trust Company and Ted T. Cecala (Commission File
Number 1-14659)  1310.3
    
    Severance Agreement dated as of February 29, 1996 between Wilmington Trust Company and William J. Farrell II
(Commission File Number 1-14659)  1410.4
    
    Severance Agreement dated as of February 29, 1996 between Wilmington Trust Company and David R. Gibson (Commission
File Number 1-14659)  1510.5
    
    Severance Agreement dated as of February 29, 1996 between Wilmington Trust Company and Robert V.A. Harra Jr.
(Commission File Number 1-14659)  1610.6
    
    Severance Agreement dated as of February 22, 2006 between Wilmington Trust Company and Michael A. DiGregorio
(Commission File Number 1-14659) 1710.7
    
    Severance Agreement dated as of February 13, 2007 between Wilmington Trust Company and Kevyn N. Rakowski (Commission
File Number 1-14659)  1810.8
    
    Severance Agreement dated as of February 22, 2006 between Wilmington Trust Investment Management, LLC and Robert M.
Balentine  19
 Page 13




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ExhibitNumber
    
    Exhibit10.9
    
    Severance Agreement dated as of December 19, 2000 between Wilmington Trust of Pennsylvania and
Mark A. Graham 2010.10
    
    Amendment No. 1 to Severance Agreement dated as of December 19, 2000 between Wilmington Trust
Company and Ted T. Cecala (Commission File Number 1-14659)2110.11
    
    Amendment No. 1 to Severance Agreement dated as of December 19, 2000 between Wilmington Trust
Company and William J. Farrell II (Commission File Number 1-14659)2210.12
    
    Amendment No. 1 to Severance Agreement dated as of December 19, 2000 between Wilmington Trust
Company and David R. Gibson (Commission File Number 1-14659)2310.13
    
    Amendment No. 1 to Severance Agreement dated as of December 19, 2000 between Wilmington Trust
Company and Robert V. A. Harra Jr. (Commission File Number 1-14659)2410.14
    
    2008 Employee Stock Purchase Plan2510.15
    
    1999 Long-Term Incentive Plan (Commission File Number 1-14659)2610.16
    
    Amended and Restated 2002 Long-Term Incentive Plan of Wilmington Trust Corporation (Commission
File Number 1-14659)2710.17
    
    2001 Non-Employee Directors Stock Option Plan (Commission File Number 1-14659)2810.18
    
    2004 Executive Incentive Plan (Commission File Number 1-14659)2910.19
    
    Amended and Restated 2005 Long-Term Incentive Plan3010.20
    
    Amended and Restated Limited Liability Company Agreement of Cramer Rosenthal McGlynn, LLC dated
as of January 1, 2001 (Commission File Number 1-14659)3110.21
    
    Amendment to the Amended and Restated Limited Liability Company Agreement of Cramer Rosenthal
McGlynn, LLC dated as of June 28, 2002 (Commission File Number 1-14659)3210.22
    
    Second Amended and Restated Limited Liability Company Agreement of Roxbury Capital Management,
LLC dated as of August 1, 2003 (Commission File Number 1-14659)3310.23
    
    Limited Liability Company Interest Purchase Agreement dated as of April 2, 2004 among Grant Tani
Barash & Altman, Inc., Warren Grant, Jane Tani, Corey Barash, Howard Altman and GTBA Holdings,
Inc. (Commission File Number 1-14659)3410.24
    
    Amended and Restated Limited Liability Company Agreement of Grant Tani Barash & Altman, LLC
dated as of October 1, 2004 among Grant, Tani, Barash & Altman, Inc., GTBA Holdings, Inc.,
Warren Grant, Jane Tani, Corey Barash, Howard Altman (Commission File Number
1-14659)3510.25
    
    Stock Purchase Agreement dated as of January 30, 2008 among Michael Karfunkel and Leah
Karfunkel, as Trustees for the 2005 Michael Karfunkel Grantor Retained Annuity Trust, George
Karfunkel, Renee Karfunkel, Leah Karfunkel, Michael Karfunkel, AST Capital Trust Company of
Delaware, and Wilmington Trust FSB (Commission File Number 1-14659) 3610.26
    
    Form of Stock Option Agreement3710.27
    
    Form of Restricted Stock Agreement (Commission File Number 1-14659)3810.28
    
    Form of Restricted Stock Unit Agreement (Commission File Number 1-14659)3910.29
    
    Letter Agreement including the Securities Purchase Agreement  Standard Terms incorporated
therein, dated December 12, 2008, between Wilmington Trust Corporation and the United States
Department of the Treasury (Commission File Number 1-14659)4010.30
    
    Form of Waiver (Commission File Number 1-14659)4110.31
    
    Amendments to Benefit Plans dated December 12, 2008 (Commission File Number 1-14659)4213
    
    Annual Report to Shareholders721
    
    Subsidiaries of Wilmington Trust Corporation723
    
    Consent of KPMG LLP731(i) and (ii)
    
    Rule 13a-14(a)/15d-14(a) Certifications732
    
    Section 1350 Certifications7
 Page 14




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1
    
    Incorporated by reference
to Exhibit 3(a) to the Report on Form  S-8  of Wilmington Trust
Corporation filed on October 31, 1991.2
    
    Incorporated by reference to Exhibit 3.2 to the Current Report on Form 8-K of
Wilmington Trust Corporation filed on January 21, 2009.3
    
    Incorporated by reference to Exhibit A to Exhibit 1 to the Form 8-A/A of Wilmington
Trust Corporation filed on December 16, 2004.4
    
    Incorporated by reference to Exhibit 3.1 to the Form 8-K of Wilmington Trust
Corporation filed on December 16, 2008.5
    
    Incorporated by reference to Exhibit 1 to the Form 8-A/A of Wilmington Trust
Corporation filed on December 16, 2004.6
    
    Incorporated by reference to Exhibit 4.2 to the Registration Statement on Form S-3 of
Wilmington
Trust Corporation
filed on November 29, 2007.7
    
    Filed herewith.8
    
    Incorporated by reference to Exhibit 10.37 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on March 15, 2005.9
    
    Incorporated by reference to Exhibit 4.3 to the Form 8-K of
Wilmington Trust Corporation filed on April 1, 2008.10
    
    Incorporated by
reference to Exhibit 4.2 to the Form 8-K of Wilmington Trust Corporation filed
on April 1, 2008.11
    
    Incorporated by reference to Exhibit 4.1 to the Form 8-K of Wilmington Trust Corporation filed
on December 16, 2008.12
    
    Incorporated by reference to Exhibit 4.2 to the Form 8-K of Wilmington Trust
Corporation filed on December 16, 2008.13
    
    Incorporated by reference to Exhibit 10(i) to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on March 30, 1996.14
    
    Incorporated by reference
to Exhibit 10(l) to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on March 30, 1996.15
    
    Incorporated by reference
to Exhibit 10(m) to the Annual Report on Form 10-K of Wilmington Trust Corporation
filed on
March 30, 1996.16
    
    Incorporated by reference to Exhibit 10(n) to the Annual Report
on Form 10-K of Wilmington Trust Corporation
filed on March 30, 1996.17
    
    Incorporated by reference to Exhibit 10.7 to the Annual Report on
Form 10-K of Wilmington Trust Corporation
filed on March 1, 2007.18
    
    Incorporated
by reference to Exhibit 10.8 to the Annual Report on Form 10-K of Wilmington Trust
Corporation
filed on March 1, 2007.19
    
    Incorporated by reference to Exhibit 10.8 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on February 29, 2008.20
    
    Incorporated by reference to Exhibit 10.9 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on February 29, 2008.21
    
    Incorporated by reference to Exhibit 10.18 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on April 2, 2001.22
    
    Incorporated by reference to Exhibit 10.21 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on April 2, 2001.23
    
    Incorporated by reference to Exhibit 10.22 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on April 2, 2001.24
    
    Incorporated by reference to Exhibit 10.23 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on April 2, 2001.25
    
    Incorporated by reference to Exhibit  C to  the Proxy Statement of
Wilmington Trust Corporation
filed on February 29, 2008.26
    
    Incorporated by
reference to Exhibit A to the Proxy Statement of Wilmington Trust Corporation
filed on
March 31, 1999.27
    
    Incorporated by reference
to Exhibit 10.64 to the Quarterly Report on Form 10-Q of
Wilmington Trust Corporation
filed on November 9, 2004.28
    
    Incorporated by reference to Exhibit 4.9 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on April 2, 2001.29
    
    Incorporated by reference
to Exhibit 10.61 to the Quarterly Report on Form 10-Q of
Wilmington Trust Corporation
filed on August 9, 2004.30
    
    Incorporated by reference to Exhibit 10.21 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on February 29, 2008.31
    
    Incorporated by reference to Exhibit 10.44 to the Quarterly Report on Form 10-Q/A of
Wilmington Trust Corporation
filed on March 25, 2003.32
    
    Incorporated by reference to Exhibit 10.46 to the Quarterly Report on Form 10-Q of
Wilmington Trust Corporation
filed on August 14, 2002.33
    
    Incorporated by reference to Exhibit 10.53 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on March 15, 2004.34
    
    Incorporated by reference
to Exhibit 10.59 to the Quarterly Report on Form 10-Q of
Wilmington Trust Corporation
filed on May 10, 2004.35
    
    Incorporated by reference to Exhibit 10.63 to the Quarterly Report on Form 10-Q of
Wilmington Trust Corporation
filed on November 9, 2004.36
    
    Incorporated by reference to Exhibit 10.28 to the Annual Report on Form 10-K of
Wilmington Trust Corporation
filed on February 29, 2008.37
    
    Incorporated by reference
to Exhibit 10.65 to the Quarterly Report on Form 10-Q of
Wilmiington Trust Corporation
filed on November 9, 2004.38
    
    Incorporated by reference to Exhibit 10.66 to the Quarterly Report on Form 10-Q of
Wilmington Trust Corporation
filed on November 9, 2004.39
    
    Incorporated by reference to Exhibit 10.67 to the Quarterly Report on Form
10-Q of Wilmington Trust Corporation
filed on November 9, 2004.40
    
    Incorporated by reference to Exhibit 10.1 to the Form 8-K of Wilmington Trust
Corporation
filed on December 16, 2008.41
    
    Incorporated by reference to Exhibit 10.2 to the Form 8-K of Wilmington Trust
Corporation
filed on December 16, 2008.42
    
    Incorporated by reference to Exhibit 10.3 to the Form 8-K of Wilmington Trust
Corporation
filed on December 16, 2008. Page 15




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##### 



SIGNATURES
  WILMINGTON TRUST CORPORATIONFebruary 26, 2009
    

By:  /s/ Ted T. CecalaTED T. CECALA, Director, Chairman of the Boardand Chief Executive Officer   /s/ Ted T. Cecala
    
    /s/ Gailen KrugTED T. CECALA, Director, Chairman of the Board
and Chief Executive Officer
    
    GAILEN KRUG, Director/s/ Robert V. A. Harra Jr.ROBERT V.A. HARRA JR., Director, President, and
Chief Operating Officer
    
    REX L. MEARS, Director/s/ David R. Gibson
    
    /s/ Stacey J. MobleyDAVID R. GIBSON, Executive Vice President and
Chief Financial Officer
    
    STACEY J. MOBLEY, Director/s/ Kevyn N. Rakowski
    
    /s/ Michele M. RollinsKEVYN N. RAKOWSKI, Senior Vice President and
Controller
    
    MICHELE M. ROLLINS, Director/s/ Carolyn S. Burger
    
    /s/ David P. RoselleCAROLYN
S. BURGER, Director
    
    DAVID P. ROSELLE, Director/s/ Thomas L. du Pont
    
    /s/ Oliver R. SockwellTHOMAS L. DU PONT, Director
    
    OLIVER R. SOCKWELL, Director/s/ R. Keith ElliottR. KEITH ELLIOTT, Director
    
    ROBERT W. TUNNELL JR., Director/s/ Donald E. Foley
    
    /s/ Susan D. WhitingDONALD E. FOLEY, Director
    
    SUSAN D. WHITING, Director
 Page 16