Presenting Company - Lakeland Financial Corporation

Lakeland Financial Corporation is a bank holding company that operates through Lake City Bank with its headquarters in Warsaw, Indiana. Lake City Bank is a $2.6 billion locally owned and managed community financial institution with more than 43 offices in the following Indiana counties: Kosciusko, Elkhart, Allen, St. Joseph, DeKalb, Fulton, Huntington, LaGrange, Marshall, Noble, Pulaski and Whitley located in northern Indiana. The Company also has a Loan Production Office in Indianapolis, Indiana.

The bank provides a comprehensive range of financial services, including commercial and retail banking, trust and investment management, and brokerage services. The Wealth Advisory Group has assets of approximately $900 million. Lake City Bank is the third-oldest financial institution headquartered in Indiana. The bank's goal is to have the look and feel of a local community bank, but with the technical sophistication to develop and maintain commercial customers whose needs we can accommodate.

Presenter: Michael L. Kubacki, Chairman, President & CEO

Michael L. Kubacki is Chairman, President and Chief Executive Officer of Lake City Bank and its holding company, Lakeland Financial Corporation. Lake City Bank is a $2.6 billion bank headquartered in Warsaw, with banking offices throughout northern Indiana.

Mr. Kubacki joined the company in 1998 after a 25-year career with Northern Trust Corporation, serving in its offices in Chicago and Los Angeles. He grew up in Pierceton, Indiana, and is a 1969 graduate of Pierceton High School. Mr. Kubacki received his B.S. degree in Business from Indiana University in 1973, and an M.B.A. from the University of Chicago in 1976.

Mr. Kubacki has been active in a number of organizations throughout his business career, having served on the boards of the Indiana Bankers Association, the Indiana Chamber of Commerce (where he is a past Chairman), and the Federal Reserve Bank of Chicago. He currently is Chairman of the Northeast Indiana Corporate Council, and Chairman of the Goshen Health System. In addition, he is a director of the Elkhart County Community Foundation, LaCasa Business Advisory Board, and the IUSB School of Business and Economics Advisory Board.

Lake City Bank was named as one of the Best Places to Work in Indiana in 2007. In addition, Mr. Kubacki was cited by the Greater Fort Wayne Business Weekly as its Best Value CEO for 2008. The bank also received this award in 2006, after finishing second in the rankings for both 2004 and 2005.

Mr. Kubacki lives in Syracuse with Rebecca, his wife of 30 years. He has two children and two grandchildren.

Presenter: David M. Findlay, Executive Vice President & CFO

David M. Findlay currently serves as Executive Vice President of Administration, Chief Financial Officer and Secretary of Lakeland Financial Corporation, the parent company of Lake City Bank, headquartered in Warsaw, Indiana. From March 1995 to September 2000, Mr. Findlay served in various capacities with Quality Dining, Inc., a publicly traded company located in South Bend, Indiana, concluding as Senior Vice President and Chief Financial Officer. Mr. Findlay served in several capacities with The Northern Trust Company located in Chicago, Illinois from September 1984 until March 1995 in the Corporate and Institutional Services Unit. He serves on several community boards and agencies.

NASDAQ: LKFN

CEO: Michael L. Kubacki, Chairman, President & CEO

CFO: David M. Findlay, Executive Vice President & CFO

Investor Relations: David M. Findlay, (574) 267-9197, david.findlay@lakecitybank.com

Website: www.lakecitybank.com