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Presenting Company

Lakeland Financial Corporation
NASDAQ Global Select: LKFN
Chairman, President and CEO: Michael L. Kubacki
CFO: David M. Findlay
Investor Relations: David M. Findlay, david.findlay@lakecitybank.com
Website: www.lakecitybank.com
Lakeland Financial Corporation is a $2.2 billion bank holding company headquartered in Warsaw, Indiana. Lake City Bank, the Company’s primary subsidiary, serves Northern Indiana with 43 branches located in the following Indiana counties: Kosciusko, Elkhart, Allen, St. Joseph, DeKalb, Fulton, Huntington, LaGrange, Marshall, Noble, Pulaski and Whitley. The Company also has a Loan Production Office in Indianapolis, Indiana. Lake City Bank employs more than 500 Hoosiers and was recognized as a finalist in the “Best Places to Work in Indiana” program in 2007.
The bank provides a comprehensive range of financial services, including commercial and retail banking, trust and investment management, and brokerage services. Lake City Bank is the third-oldest financial institution headquartered in Indiana and has operated under a single name for more than 135 years. Driven by a community orientation in every market it serves, Lake City Bank continues to maintain the familiarity of a local community bank while at the same time providing commercial and retail clients with the technical sophistication which allows it to compete with larger regional and national competitors.
Presenter -- Michael L. Kubacki, Chairman, President and Chief Executive Officer
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 $2.0 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. He currently serves as a director of the Federal Reserve Bank of Chicago, and Chairs its Audit Committee. He is a past Chairman of the Indiana Chamber of Commerce, and is current Chairman of the Northeast Indiana Corporate Council. In addition he serves as a director of the Indiana Bankers Association, Goshen Health System, 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 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 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 one grandchild.
Presenter -- David M. Findlay, Executive Vice President and Chief Financial Officer
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. Lakeland Financial Corporation is a publicly traded bank holding company with total assets of $1.8 billion and 43 offices located throughout Northern Indiana. From May 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 May 1995 in the Corporate and Institutional Services Unit.
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