Lakeland Bank

**Consumer Loan Rates**
Product Name	Description	Maximum Collateral Values (Loan to Value-LTV)	Term	APR	Monthly Payment per $1,000 (Principal + Interest)
Personal Loan - Unsecured	Multi-purpose loan	N/A	48 months	12.25% *	$26.46
Personal Loan - Secured	Secured by tangible personal property (older model cars)	NADA "Retail" Value (NADA is an official used car guide)	60 months	8.25% *	$20.40
Overdraft Protection	Revolving line of credit linked to a personal non interest bearing Demand Deposit Account (DDA)	N/A	36 months (1/36th of principal + interest)	18.00%	$42.78
Automobile New 2011-12	Foreign and domestic auto (Personal use only)	Retail Value (up to 100% financing is available)	Up to 72 months	Up to 48 months - 3.75% * 49-60 months - 4.00% * 61-72 months - 4.25% *	$22.47 $22.15 to $18.42 $18.26 to $15.76
Automobile Used 2007-11	Foreign and domestic auto (Personal use only)	NADA "Retail" Value (NADA is an official used car guide)	Up to 60 months	Up to 36 months - 4.25% * 37 to 48 months- 4.50% * 49-60 months - 5.00% *	$29.64 $29.00 to $22.80 $22.60 to $18.87
Automobile Used 2004-06	Foreign and domestic auto (Personal use only)	NADA "Retail" Value (NADA is an official used car guide)	Up to 48 months	Up to 36 months - 5.25% * 37-48 months - 5.74% *	$30.08 $29.55 to $23.37
Home Equity - Variable HELOC ***	Home Equity Multi Purpose Line of Credit	Owner Occupied 1-4 Family 80% LTV Vacation Property Condominnium/Townhouse 1 Family 65% LTV Rental Property 1-4 Family 55% LTV Must be zoned Residential (Storefront properties and co-ops are not acceptable) Homeowners insurance is required. (LTV=total of all liens against the property divided by the appraised value of the property)	Revolving Principal & Interest Option Payments equals 1/240 of principal plus interest for the month or Interest Only Option For 10 Years Then Payments equals 1/180 of the principal plus interest for the month	Initial APR of 2.99% fixed for 12 months then Prime for Life of Line Minimum APR: 3.75% Maximum APR: 18% Current APR: 3.75% Note: Minimum payment is $50 Minimum Draw is $200	Principal + Interest Option $6.66 (Initial APR, P&I 1/240) $7.29 (Current APR, P&I 1/240) Interest Only Option $2.49 (Interest Only at Initial APR) $3.13 (Interest Only at current APR) $8.68 (Current APR**, P&I 1/180)
Home Equity Loan - Fixed ***	Home Equity Multi Purpose fully amortizing loan.	Same as above (HELOC)	Terms to 240 months	36 - 60 months - 4.00% * 61- 120 months - 4.49% * 121 - 180 months - 4.99% * 181 - 240 months - 5.25% *	$29.52 to $18.42 $18.37 to $10.36 $10.53 to $7.90 $8.01 to $6.74

* APR (Annual Percentage Rate): The APR's shown for Personal Unsecured, Personal Secured, Automobile and Home Equity loans include a .25% discount for having the loan payments automatically deducted from a Lakeland checking or statement savings account. The APR will increase if, at any time during the term of the loan, the automatic payment deduction is discontinued.

** APR (Annual Percentage Rate): The 2.99% initial APR is guaranteed for twelve months at the time of closing and is variable thereafter. The variable APR is equal to the Wall Street Journal Prime Rate. The Wall Street Journal Prime Rate is currently 3.25%. The minimum APR that can be imposed is 3.75%. The maximum APR that can be imposed is 18%. The current APR is 3.75%. Maximum credit line is $500,000.

*** Mortgage Recording Fee: For all Home Equity Loans and Lines of Credit (HELOC), a mortgage recording fee of $75 will be charged at time of closing. In addition, NY homeowners outside of the five boroughs will be charged a mortgage recording tax ranging from 1.02% to 1.05% of the loan/line amount. NY homeowners within one of the five boroughs will be charged a mortgage recording tax ranging from 1.77% to 1.80% of the loan/line amount.

All loans are subject to credit approval. Rates and terms are accurate as of 2/17/12 and are subject to change without notice.

**Current Mortgage Rates for our Most Popular Products**
Product	Interest Rate	Points	Annual Percentage Rate	Maximum Loan Amount	Principal & Interest Payment Amount* (Payment Schedules are based on a loan amount of $100,000.00)**
30 Year Fixed Bi-Weekly	3.875%	0	3.944%*	$650,000.00	674 Bi-Weekly Payments of $235.12 and 1 Payment of $162.53
15 / 30 Balloon	3.375%	0	3.450%*	$650,000.00	179 Monthly Payments of $442.10 and 1 Payment of $62,817.31
++5 / 1 ARM**	3.125%	0	2.937%	$650,000.00	60 Monthly Payments @ $428.38 then 299 Monthly Payments of $411.06 at a rate of 2.795%**** and 1 Payment at $412.11 (Payment amount adjusts annually after the 60th month)
Construction Loan - 12 Month	6.250%	0	8.454%	$1,000,000.00	11 Interest Only Monthly Payments of $520.84 and 1 final Payment of $100,520.84 at Maturity

*APR (Annual Percentage Rate): The APR's shown for the 30 Year Biweekly, the 15/30 Balloon and the 5/1 Arm Loan include a .25% discount for having the loan payments automatically deducted from a Lakeland checking or statement savings account. The APR will increase if, at any time during the term of the loan, the automatic payment deduction is discontinued.

**Annual Percentage Rate may be increased after the initial fixed period.

++Adjustable Rate Mortgages are variable rates and may increase or decrease after consummation.

****Interest Rate disclosed at the current index rate and margin

***Payments do no include taxes and insurance and the actual payment may be greater. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes, flood insurance and homeowners insurance premiums if applicable.

Contact a Mortgage Consultant for additional interest rates on other products and loans for over $650,000.00
Interest Rates vary daily and are accurate as of 2/22/12 and subject to change without notice.
Private Mortgage Insurance is required on all loans with less than 20% down.