Lakeland Financial Corporation (LKFN)

[Penny Roger$]

Lakeland Financial Corporation is a bank holding company. The Company owns the Lake City Bank (the Bank), a commercial bank. The Bank has a wholly owned subsidiary, LCB Investments II, Inc., which manages a portion of the Bank’s investment portfolio. The Bank’s commercial banking activities include checking accounts, savings accounts, time deposits, the sale of securities under agreements to repurchase, commercial, real estate and agricultural lending, direct and indirect consumer lending, commercial and residential real estate mortgage lending, retail and merchant credit card services, corporate treasury management services, retirement services, bond administration, safe deposit box service and trust and brokerage services. As of December 31, 2010, the Bank had 43 offices in 12 counties throughout Northern Indiana, as well as a loan production office in Indianapolis.

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