UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

SCHEDULE 14A

(RULE 14a-101)

INFORMATION REQUIRED IN PROXY STATEMENT
SCHEDULE 14A INFORMATION

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[   ]Soliciting Material Pursuant to §240.14a-12

LAKELAND FINANCIAL CORPORATION

(Name of Registrant as Specified in its Charter)

_______________________________________________

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                    *** Exercise Your Right to Vote ***

Important Notice Regarding the Availability of Proxy Materials for the

Shareholder Meeting to Be Held on April 14, 2020

LAKELAND FINANCIAL CORPORATION

Meeting Information

  Meeting Type: Annual Meeting

For holders as of: February 24, 2020

                                                Date: April 14, 2020              Time: 4:30 PM EDT

                  Location: The Embassy Theatre

                                      125 West Jefferson Blvd.

                                          Fort Wayne, Indiana 46802

Lakeland Financial Corp. Attn: Kristin Pruitt

202 East Center Street

PO Box 1387

Warsaw, IN 46581

                                                       You are receiving this communication because you hold

                                                           shares in the above named company.

                                                   This is not a ballot. You cannot use this notice to vote

                                               these shares. This communication presents only an

                                                       overview of the more complete proxy materials that are

                                                         available to you on the Internet. You may view the proxy

                                                       materials online at www.proxyvote.comor easily request

                a paper copy (see reverse side).

                                                             We encourage you to access and review all of the important

                                                             information contained in the proxy materials before voting.

                                      See the reverse side of this notice to obtain

                                  proxy materials and voting instructions.

Before You Vote

How to Access the Proxy Materials

Proxy Materials Available to VIEW or RECEIVE:

1. Notice & Proxy Statement2. Annual Report3. Form 10-K

How to View Online:

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2) BY TELEPHONE:   1-800-579-1639

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How To Vote

Please Choose One of the Following Voting Methods

Vote In Person: Many shareholder meetings have attendance requirements including, but not limited to, the possession of an attendance ticket issued by the entity holding the meeting. Please check the meeting materials for any special requirements for meeting attendance. At the meeting, you will need to request a ballot to vote these shares.

Vote By Internet: To vote now by Internet, go to www.proxyvote.com.Have the information that is printed in the box marked by the arrow xxxx xxxx xxxx xxxx  available and follow the instructions.

Vote By Mail: You can vote by mail by requesting a paper copy of the materials, which will include a proxy card.

Voting items

The Board of Directors recommends you vote FOR the following:

1.  ELECTION OF DIRECTORS:

     Nominees

1a. Blake W. Augsburger

1b. Robert E. Bartels, Jr.

1c. Darrianne P. Christian

1d. Daniel F. Evans, Jr.

1e. David M. Findlay

1f. Thomas A. Hiatt

1g. Michael L. Kubacki

1h. Emily E. Pichon

1i. Steven D. Ross

1j. Brian J. Smith

1k. Bradley J. Toothaker

1l. Ronald D. Truex

1m. M. Scott Welch

The Board of Directors recommends you vote FOR proposals 2, 3 and 4.

2. APPROVAL of an amendment to the Company's Amended and Restated Articles of Incorporation, which will grant our shareholders the right to amend the Bylaws of the Company.

3. APPROVAL, by non-binding vote, of the Company's compensation of certain executive officers.

4. RATIFY THE APPOINTMENT OF CROWE LLP as the Company's independent registered public accounting firm for the year ending December 31, 2020.

NOTE: In accordance with their discretion upon all other matters that may properly come before said meeting and any adjournments or postponements of the meeting.