<SEC-DOCUMENT>0000721994-21-000010.txt : 20210304
<SEC-HEADER>0000721994-21-000010.hdr.sgml : 20210304
<ACCEPTANCE-DATETIME>20210304083128
ACCESSION NUMBER:		0000721994-21-000010
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20210304
DATE AS OF CHANGE:		20210304

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LAKELAND FINANCIAL CORP
		CENTRAL INDEX KEY:			0000721994
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351559596
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11487
		FILM NUMBER:		21712663

	BUSINESS ADDRESS:	
		STREET 1:		202 E CENTER ST
		STREET 2:		P O BOX 1387
		CITY:			WARSAW
		STATE:			IN
		ZIP:			46581-1387
		BUSINESS PHONE:		5742676144

	MAIL ADDRESS:	
		STREET 1:		202 E CENTER ST
		STREET 2:		PO BOX 1387
		CITY:			WARSAW
		STATE:			IN
		ZIP:			46581
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>lfc2021proxynotice.htm
<DESCRIPTION>LAKELAND FINANCIAL CORPORATION 2021 PROXY NOTICE
<TEXT>
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    <div style="text-align: center; line-height: 12.55pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; line-height: 12.55pt;"><font style="font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center; line-height: 12.55pt; margin-bottom: 6pt;"><font style="font-weight: bold;">WASHINGTON, DC 20549</font></div>
    <div style="text-align: center; line-height: 18.25pt;"><font style="font-size: 14pt; font-weight: bold;">SCHEDULE 14A</font></div>
    <div style="text-align: center; line-height: 12.55pt; margin-bottom: 6pt;"><font style="font-weight: bold;">(RULE 14a-101)</font></div>
    <div style="text-align: center; line-height: 12.55pt; margin-bottom: 6pt;"><font style="font-weight: bold;">INFORMATION REQUIRED IN PROXY STATEMENT<br>
        SCHEDULE 14A INFORMATION</font></div>
    <div style="text-align: center; line-height: 12.55pt;"><font style="font-weight: bold;">Proxy Statement Pursuant to Section 14(a) of the</font></div>
    <div style="text-align: center; line-height: 12.55pt; margin-bottom: 6pt;"><font style="font-weight: bold;">Securities Exchange Act of 1934 (Amendment No. ____)</font></div>
    <div style="text-align: justify; line-height: 12.55pt;">Filed by the Registrant:&#160; [X]<br>
    </div>
    <div style="text-align: justify; line-height: 12.55pt;">Filed by a party other than the Registrant:&#160; [ &#160; ]<br>
    </div>
    <div style="text-indent: -20.15pt; margin-left: 20.15pt; line-height: 12.55pt; margin-bottom: 6pt;">Check the appropriate box:<br>
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    <div style="line-height: 12.55pt;">[ &#160; ]<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Preliminary Proxy Statement</div>
    <div style="line-height: 12.55pt;">[ &#160; ]<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</div>
    <div style="line-height: 12.55pt;">[&#160;&#160; ]<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Definitive Proxy Statement</div>
    <div style="line-height: 12.55pt;">[X]<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Definitive Additional Materials</div>
    <div style="line-height: 13.7pt;">[&#160;&#160; ]&#160;&#160; Soliciting Material Pursuant to &#167;240.14a-12</div>
    <div style="text-align: center; line-height: 18.25pt; margin-top: 5pt;"><font style="font-size: 14pt; font-weight: bold;">LAKELAND FINANCIAL CORPORATION</font></div>
    <div style="text-align: center; line-height: 9.1pt; margin-bottom: 6pt;">(Name of Registrant as Specified in its Charter)</div>
    <div style="text-align: center; line-height: 13.7pt;">_______________________________________________</div>
    <div style="text-align: center; line-height: 9.1pt; margin-bottom: 12pt;">(Name of Person(s) Filing Proxy Statement if Other Than the Registrant)</div>
    <div style="text-indent: -20.15pt; margin-left: 20.15pt; line-height: 12.55pt; margin-bottom: 6pt;">Payment of Filing Fee (Check the appropriate box):</div>
    <div style="text-align: justify; line-height: 12.55pt;">[X]<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>No fee required.</div>
    <div style="text-align: justify; line-height: 12.55pt;">[&#160;&#160; ]<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</div>
    <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 6pt;">[&#160;&#160; ]<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Fee paid previously with preliminary materials.</div>
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    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">(1)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Title of each class of securities to which transaction
      applies:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">(2)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Aggregate number of securities to which transaction
      applies:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
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              <td style="width: 36pt; vertical-align: top;">(3)<br>
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              <td style="width: auto; vertical-align: top; text-align: left;">Per unit price or other underlying value of transaction computed pursuant to Exchange<br>
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    <div style="text-align: justify; text-indent: 0pt; margin-left: 72pt; line-height: 12.55pt;">Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it</div>
    <div style="text-align: justify; text-indent: 0pt; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">was determined).</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">(4)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Proposed maximum aggregate value of transaction:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">(5)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Total fee paid:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
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      <div style="text-align: justify; text-indent: 0pt; margin-left: 36pt; line-height: 12.55pt;">identify the filing for which the offsetting fee was paid previously. Identify the previous filing by</div>
      <div style="text-align: justify; text-indent: 0pt; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">registration statement number, or the Form or Schedule and the date of its filing.</div>
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    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">&#160;(1)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Amount Previously Paid:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">&#160;(2)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Form, Schedule or Registration Statement No.:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">&#160;(3)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Filing Party:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
    <div style="text-align: justify; margin-left: 36pt; line-height: 12.55pt; margin-bottom: 6pt;">&#160;(4)<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160; </font>&#160;&#160; Date Filed:</div>
    <div style="text-align: justify; margin-left: 72pt; line-height: 12.55pt; margin-bottom: 6pt;">__________________________________________________________________</div>
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        <div style="text-align: center; margin-right: 56.3pt; margin-left: 0.7pt; line-height: 13.7pt; margin-top: 0.25pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-size: 18pt;">*** Exercise Your <font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">Right </font>to Vote ***</font></div>
        <div style="text-align: center; line-height: 13.55pt; margin-top: 0.95pt;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">Important Notice Regarding the Availability of Proxy Materials for the</font></div>
        <div style="text-align: center; line-height: 13.55pt; margin-top: 0.95pt;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">Shareholder Meeting to Be Held By Live Webcast on April 13, 2021.</font></div>
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        </div>
      </div>
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      <div style="line-height: 9.5pt; margin-top: 0.3pt;"><font style="font-style: normal;"><br style="line-height: 9.5pt;">
        </font> </div>
      <font style="font-style: normal;"> </font>
      <div style="line-height: 11.35pt;"><font style="font-weight: bold; font-style: normal;">LAKELAND FINANCIAL CORPORATION</font>
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display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font></u></font></div>
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      </div>
      <div style="line-height: 0pt;"><br style="line-height: 0pt;">
      </div>
      <div style="text-align: center; margin-right: 14.4pt; line-height: 10.25pt; margin-top: 1.35pt;"><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;"><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Date:</font> </font>April 13, 2021</font><font style="font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Time: </font>4:30 PM EDT</div>
      <div style="text-align: center; margin-right: 4.5pt; line-height: 9.1pt; margin-top: 1.75pt;"><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"></font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;&#160;&#160;&#160; </font><font style="font-weight: bold;">Location:</font> </font>Meeting live via the Internet-please visit</font></div>
      <div style="text-align: center; line-height: 9.1pt; margin-top: 2.5pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font>&#160; &#160;<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font>www.virtualshareholdermeeting.com/LKFN2021.<br>
        </font></div>
      <div style="margin: 2.5pt 0px 0px; line-height: 6%; text-align: center;"><font style="font-family: 'Times New Roman',Times,serif;"> <br>
        </font></div>
      <div style="text-align: center;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The company will be hosting the meeting live via the Internet </font></div>
      <div style="text-align: center; line-height: 9pt; margin-top: 2.7pt; margin-left: 9pt; text-indent: -9pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;

          this year.&#160; To attend the meeting via the Internet please visit&#160; &#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
        </font></div>
      <div style="text-align: center; line-height: 9pt; margin-top: 2.7pt; margin-left: 9pt; text-indent: -9pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; www.virtualshareholdermeeting.com/LKFN2021 and be sure to</div>
      <div style="text-align: center; line-height: 9pt; margin-top: 2.7pt; margin-left: 9pt; text-indent: -9pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; have the information that is printed in the box marked by the arrow</div>
      <div style="text-align: center; line-height: 9pt; margin-top: 2.7pt; margin-left: 9pt; text-indent: -9pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; xxxx xxxx xxxx xxxx (located on the following page).<font style="font-family: 'Times New Roman',Times,serif;"><br>
        </font></div>
      <div style="line-height: 14.4pt;"> <br>
      </div>
      <div style="line-height: 8.5pt; margin-top: 0.05pt;"><br style="line-height: 8.5pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;">LAKELAND FINANCIAL CORP. </font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;"> <br>
        </font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;">ATTN: KRISTIN PRUITT</font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;"> <br>
        </font></div>
      <div style="margin-left: 5pt; line-height: 5.45pt;"><font style="font-style: italic;">202 EAST CENTER STREET</font></div>
      <div style="margin-left: 5pt; line-height: 5.45pt;"><font style="font-style: italic;"> <br>
        </font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;">PO BOX 1387</font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;"> <br>
        </font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;">WARSAW, IN 46581</font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;"> <br>
        </font></div>
      <div style="margin-left: 5pt; line-height: 5.5pt;"><font style="font-style: italic;">&#160;&#160;&#160; <br>
        </font></div>
      <div style="text-align: center; margin-right: 3.5pt; line-height: 9.2pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; You are receiving this communication because you hold</font></div>
      <div style="text-align: center; margin-right: 91.8pt; line-height: 9.2pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; shares in the company named above.</font></div>
      <div style="line-height: 5.5pt; margin-top: 0.05pt;"><br style="line-height: 5.5pt;">
      </div>
      <div style="text-align: center; margin-right: 2.95pt; line-height: 9.65pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; This is not a ballot. You cannot use this notice to vote
          these<br>
        </font></div>
      <div style="text-align: center; margin-right: 2.95pt; line-height: 9.65pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; shares. This communication presents only an
          overview of the more<br>
        </font></div>
      <div style="text-align: center; margin-right: 2.95pt; line-height: 9.65pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; complete proxy materials that areavailable to
          you on the Internet.<br>
        </font></div>
      <div style="text-align: center; margin-right: 2.95pt; line-height: 9.65pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; You may view the proxymaterials online at </font><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-style: italic;">www.proxyvote.co</font><font style="font-style: italic;">m</font><font style="font-style: italic;">&#160;</font>or </font></div>
      <div style="text-align: center; margin-right: 2.95pt; line-height: 9.65pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; easily request a paper copy (see reverse side).</font></div>
      <div style="line-height: 5.5pt; margin-top: 0.3pt;"><br style="line-height: 5.5pt;">
      </div>
      <div style="text-align: center; margin-right: 3.3pt; line-height: 9.1pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; We encourage you to access and review all of the
          important </font></div>
      <div style="text-align: center; margin-right: 3.3pt; line-height: 9.1pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; information contained in the proxy materials before
          voting.</font></div>
      <div style="line-height: 5.5pt; margin-top: 0.45pt;"><br style="line-height: 5.5pt;">
      </div>
      <div style="text-align: center; margin-right: 9pt; margin-left: 5.05pt; line-height: 11pt;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; See the reverse side of this notice to
          obtain </font></div>
      <div style="text-align: center; margin-right: 9pt; margin-left: 5.05pt; line-height: 11pt;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; proxy materials and voting instructions.</font></div>
      <div style="line-height: 0pt;"><br style="line-height: 0pt;">
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageFooter"></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div style="line-height: 14.4pt;">
        <div style="line-height: 0pt;"><br style="line-height: 0pt;">
        </div>
        <div style="text-align: center; margin-right: 177.2pt; margin-left: 178.3pt; line-height: 21pt; margin-top: 1.55pt;"><font style="font-size: 18pt; font-weight: bold;">Before You Vote</font></div>
        <div style="text-align: center; margin-right: 150.7pt; margin-left: 151.6pt; line-height: 11.6pt;">How to Access the Proxy Materials</div>
        <div style="margin-left: 5.45pt; line-height: 11.4pt; margin-top: 2.1pt;"><font style="font-weight: bold;">Proxy Materials Available to VIEW or RECEIVE:</font></div>
        <div style="margin-left: 6pt; line-height: 11.9pt;">NOTICE AND PROXY STATEMENT<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font>ANNUAL REPORT<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font>FORM 10-K</div>
        <div style="margin-left: 5.45pt; line-height: 11.4pt;"><font style="font-weight: bold;">How to View Online:</font></div>
      </div>
      <div style="line-height: 0pt;"><br style="line-height: 0pt;">
      </div>
      <div style="margin-right: 20.15pt; margin-left: 5.45pt; line-height: 10.6pt; margin-top: 3.25pt;">Have the information that is printed in the box marked by the arrow&#160; xxxx xxxx xxxx xxxx&#160;&#160; (located on the following page) and visit: <font style="font-style: italic;">www.proxyvote.com.</font></div>
      <div style="margin-left: 5.45pt; line-height: 11.3pt; margin-top: 0.6pt;"><font style="font-weight: bold;"> <br>
        </font></div>
      <div style="margin-left: 5.45pt; line-height: 11.3pt; margin-top: 0.6pt;"><font style="font-weight: bold;">How to Request and Receive a PAPER or E-MAIL Copy:</font></div>
      <div style="line-height: 14.4pt;">
        <div style="margin-left: 5.45pt; line-height: 10.3pt;">If you want to receive a paper or e-mail copy of these documents, you must request one. There is NO charge for requesting a copy. Please choose one of the following methods to make your
          request:</div>
        <div style="margin-left: 84.65pt; line-height: 10.9pt;"> <br>
        </div>
        <div style="margin-left: 84.65pt; line-height: 10.9pt;">1) <font style="font-style: italic;">BY INTERNET</font>:&#160;&#160;&#160;&#160;&#160;&#160; www.proxyvote.com</div>
        <div style="margin-left: 84.65pt; line-height: 10.1pt;">2) <font style="font-style: italic;">BY TELEPHONE</font>:&#160;&#160; 1-800-579-1639</div>
        <div style="margin-left: 84.65pt; line-height: 10.2pt;">3) <font style="font-style: italic;">BY E-MAIL*</font>:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; sendmaterial@proxyvote.com</div>
        <div style="line-height: 11.4pt;">&#160; </div>
        <div style="line-height: 10.2pt;">* If requesting materials by e-mail, please send a blank e-mail with the information that is printed in the box marked by the arrow xxxx xxxx xxxx xxxx (located on the following page) in the subject line.&#160; </div>
        <div style="line-height: 10.2pt;"> <br>
        </div>
        <div style="line-height: 10.2pt;">Requests, instructions and other inquiries sent to this e-mail address will NOT be forwarded to your investment advisor. Please make the request as instructed above on or before March 30, 2021 to facilitate timely
          delivery.</div>
      </div>
      <div style="line-height: 14.4pt;">
        <div style="line-height: 10pt;"><br style="line-height: 10pt;">
        </div>
        <div style="line-height: 14pt; margin-top: 0.9pt;"><br style="line-height: 14pt;">
        </div>
        <div style="text-align: center; margin-right: 187.75pt; margin-left: 192.45pt; line-height: 18.75pt;"><font style="font-size: 18pt; font-weight: bold;">How To Vote</font></div>
        <div style="text-align: center; margin-right: 107.5pt; margin-left: 108.65pt; line-height: 12.7pt;">Please Choose One of the Following Voting Methods</div>
        <div style="line-height: 11pt; margin-top: 0.2pt;"><br style="line-height: 11pt;">
        </div>
        <div style="line-height: 10.3pt;"><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;"> <br>
            </font></font></div>
        <div style="line-height: 10.3pt;"><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Vote By Internet:&#160;</font></font></div>
        <div style="line-height: 10.3pt;"><br>
          <font style="font-family: 'Times New Roman',Times,serif;"><font style="font-style: italic;"><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Before The Meeting:</font></font></div>
        <div style="line-height: 10.3pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160; <font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"></font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> G</font>Go to <font style="font-style: italic;">www.proxyvote.com.</font><font style="font-style: italic;">&#160;</font>Have the information that is printed in the box marked by the arrow xxxx xxxx xxxx xxxx&#160;
            (located on the following page) available and follow the instructions.</font></div>
        <div style="line-height: 10.3pt;"><br>
          <div style="line-height: 10.3pt;"><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-style: italic;"><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>During The Meeting:</font></font></div>
          <div style="line-height: 10.3pt;"><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160; <font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> G</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Go to <font style="font-style: italic;">www.virtualshareholdermeeting.com/LKFN2021.</font><font style="font-style: italic;">&#160;</font>Have the information that is printed in the box marked by
              the arrow xxxx xxxx xxxx xxxx&#160; (located on the following page) available and follow the instructions.</font></div>
          <div style="line-height: 10.3pt;"><font style="font-family: 'Times New Roman',Times,serif;"> <br>
            </font></div>
        </div>
        <div style="line-height: 10.3pt;"><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Vote By Mail: </font>You can vote by mail by requesting a paper copy of the materials, which will include a proxy card.</font></div>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageFooter"></div>
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      </div>
      <div style="line-height: 0pt;"><br style="line-height: 0pt;">
      </div>
      <div style="margin-left: 55.8pt; line-height: 9.1pt; margin-top: 4.05pt;"><font style="font-weight: bold;">Voting Items</font></div>
      <div style="margin-left: 55.8pt; line-height: 9.1pt; margin-top: 4.05pt;"><font style="font-weight: bold;"> <br>
        </font></div>
      <div style="margin-left: 5pt; line-height: 6.8pt; margin-top: 3.5pt;"><font style="font-weight: bold;">The Board of Directors recommends you vote FOR the following:</font></div>
      <div style="margin-left: 5pt; line-height: 6.8pt; margin-top: 3.5pt;"><font style="font-weight: bold;"> <br>
        </font></div>
      <div style="line-height: 5.5pt; margin-top: 0.2pt;"><br style="line-height: 5.5pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;"><font style="font-weight: bold;">1.&#160; </font>ELECTION OF DIRECTORS:</div>
      <div style="text-align: center; margin-right: 72.45pt; margin-left: 17.75pt; line-height: 7.4pt;"><font style="font-weight: bold;"> <br>
        </font></div>
      <div style="line-height: 7.4pt;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">&#160;Nominees:</font></div>
      <div style="margin-right: 72.45pt; margin-left: 17.75pt; line-height: 7.4pt;"><font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;"> <br>
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      <div style="margin-left: 5pt; line-height: 7.4pt;">1a. Blake W. Augsburger</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1b. Robert E. Bartels, Jr.</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1c. Darrianne P. Christian</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1d. Daniel F. Evans, Jr.</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1e. David M. Findlay</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1f. Michael L. Kubacki</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1g. Emily E. Pichon</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1h. Steven D. Ross</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1i. Brian J. Smith</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1j. Bradley J. Toothaker</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1k. Ronald D. Truex</div>
      <div style="line-height: 12pt; margin-top: 0.85pt;"><br style="line-height: 12pt;">
      </div>
      <div style="margin-left: 5pt; line-height: 8pt;">1l. M. Scott Welch</div>
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      </div>
      <div style="line-height: 11pt; margin-top: 0.6pt;"><br style="line-height: 11pt;">
      </div>
      <div style="margin-right: 96.5pt; line-height: 6.8pt;"><font style="font-weight: bold;">The Board of Directors recommends you vote FOR proposals 2 and 3.</font></div>
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        </font></div>
      <br>
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                <td style="width: 14pt; vertical-align: top; align: right;"><font style="font-weight: bold;">2.</font></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div>APPROVAL, by non-binding vote, of the Company's compensation of certain executive officers.</div>
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                <td style="width: 14pt; vertical-align: top; align: right;"><font style="font-weight: bold;">3.</font></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div>RATIFY THE APPOINTMENT OF CROWE LLP as the Company's independent registered public accounting firm for the year ending December 31, 2021.</div>
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      <div style="margin-right: 82.2pt; line-height: 6.85pt;"><font style="font-weight: bold;">NOTE: </font>In accordance with their discretion upon all other matters that may properly come before said meeting and any adjournments or postponements of the
        meeting.</div>
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