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DRIP/Stock Purchase Plan

Plan Highlights

Lakeland Financial Corporation's Dividend Reinvestment and Stock Purchase Plan (the "Plan") provides holders of record of shares of Lakeland Financial Corporation common stocks, no par value ("common stock"), with a simple and convenient way to purchase additional shares without any brokerage commissions or other fees.

Participants in the Plan may:

Automatically reinvest cash dividends on all of their shares of common stock ("LKFN").
Invest by making optional cash payments up to specified limits in any quarter whether or not any dividends on shares of common stock ("LKFN") are being reinvested.

Shares purchased with option cash payments will automatically be enrolled in the Plan.
Avoid brokerage commissions, service charges, or other fees in connection with purchases under the Plan.
Provide for safekeeping, free of charge, for all certificates representing shares of common stock ("LKFN") through the Plan's free custodial service.

Avoid record keeping requirements and costs for any and all shares held by the agent through the free custodial service and reporting provision of the Plan.

This plan feature provides a convenient method of investing optional cash payments in additional shares of Lakeland Financial Corporation common stock ("LKFN") without payment of brokerage commissions or service charges.

Mail cash payments (payable to Lake City Bank) to:

Equiniti Trust Company, LLC (“EQ”)
PO Box 10027
Newark, NJ 07101

Optional cash investment periods will be the 25th day of January, April, July, and October.

Please read the complete Lakeland Financial Corporation Dividend Reinvestment and Stock Purchase Plan before participating. Review the plan document.

Neither the Securities & Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the accuracy or adequacy of this document. Any representation to the contrary is a criminal offense. Investments in shares of Lakeland Financial Corporation common stock through the Plan are not guaranteed or insured by any bank or government agency and involves risk including possible loss of principal.

Click Here to receive more information from Lakeland Financial Corporation

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