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Truth in Savings DisclosureAccount TypeINTEREST BEARINGInterest RatePersonal Checking with InterestPlatinum CheckingPersonal Statement SavingsAnnual Percentage Yield (APY).03 %.05 %.05 %.03 %.05 %.05 %NON-INTEREST BEARINGClassic CheckingElite CheckingRate InformationPersonal Checking with Interest, Platinum Checking, and Personal Statement SavingsThe account is variable rate. The interest rate and annual percentage yield are determined by the bank and maychange at any time at the Bank's discretion. The interest rate and annual percentage yield stated above areaccurate as of the date you open your account. If you would like more current interest rate and APY information,please call your branch of account.Minimum Deposit to Open AccountPersonal Checking with Interest, Platinum Checking, Elite Checking, Classic Checking: 50Personal Statement Savings: 100Minimum Balance to Obtain Annual Percentage YieldPersonal Checking with Interest, Platinum Checking, and Personal Statement SavingsYou must maintain a minimum balance of 1.00 in the account each day to obtain the disclosed annual percentageyield.Compounding & Crediting FrequencyPersonal Checking with Interest and Platinum CheckingInterest will be compounded monthly and credited to your account monthly.Personal Statement SavingsInterest will be compounded quarterly and credited to your account quarterly.If you close your account before interest is credited, you will not receive the accrued interest.Minimum Balance Requirements to Avoid Imposition of FeesPersonal Checking with Interest, Classic Checking, and Personal Statement SavingsA Service Charge will be imposed each month if the average daily balance for the month falls below the minimumbalance requirement. The average daily balance is calculated by adding the principal in the account for each dayof the period and dividing that figure by the number of days in the period.Platinum CheckingA Service Charge will be imposed each month if the eligible combined balances fall below 15,000. Eligiblebalances include the previous month's average available balance(s) in all your personal checking, savings andmoney market accounts; previous month's average daily balance in CD and IRA account(s), and any outstandingcurrent loan balances for personal loans, home equity loans/lines of credit and mortgage loans (OverdraftProtection lines are excluded). The average available balance is calculated by adding all daily available balancesin the period and dividing that figure by the total number of days in the period.Refer to the Consumer Fee Schedule: Service Charges section for the minimum balance requirements andmonthly service charge pertaining to your account. 2017 Lakeland Bank, Revised 6/1/2017Page 1 of 2OA TISCHK2 (Form 08011B)

Balance Computation MethodPersonal Checking with Interest, Platinum Checking, and Personal Statement SavingsWe use the daily balance method to calculate interest on your account. This method applies a daily periodic rate tothe principal in the account each day.Accrual of Interest on Non‐Cash ItemsPersonal Checking with Interest, Platinum Checking, and Personal Statement SavingsInterest begins to accrue on the first business day after the banking day you deposit noncash items (for examplechecks).Transaction LimitationsPersonal Statement SavingsYou may not make more than six withdrawals or transfers per month to another account of yours or to a third partyby means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card orsimilar order to a third party. (Note: You may make unlimited withdrawals (payments directly to you or transfers offunds from your Account to any of your other deposit or loan accounts with us) either in person at our locations, bymail, messenger, or use of an ATM card.) If total monthly withdrawals / transfers exceed the limit (six) an excesstransactions limit monthly fee will apply (Refer to the Consumer Fee Schedule).Personal Checking with Interest, Platinum Checking, and Personal Statement SavingsWe reserve the right to at any time require not less than seven days notice in writing before any withdrawal fromany interest bearing account. 2017 Lakeland Bank, Revised 6/1/2017Member FDICPage 2 of 2OA TISCHK2 (Form 08011B)

Platinum Tiered Money Market Truthin Savings DisclosureRate InformationTier ITier IITier IIITier IVTier VTier VIMinimum Balance toObtain APYInterest Rate 1.00 - 14,999.99 15,000 - 24,999.99 25,000 - 99,999.99 100,000 - 249,999.99 250,000 - 499,999.99 500,000.00 and Over.05.10.15.20.20.25Annual Percentage Yield (APY)%%%%%%.05.10.15.20.20.25%%%%%%The account is a variable rate. The interest rate and annual percentage yield are determined by the Bank and maychange at any time at the Bank's discretion. The interest rates and annual percentage yields stated above areaccurate as of date of your online account disclosure acceptance.This is a tiered rate account and the interest rate paid is based on the amount of funds on deposit in the account.As your balance increases above a certain amount, the interest rate is paid on the entire balance for the applicablerate tier shown above.Minimum Deposit to Open AccountThe minimum amount to open this account is 1,000.00.Compounding & Crediting FrequencyInterest will be compounded monthly and credited to your account monthly.Effect of Closing an AccountIf you close your account before interest is credited, you will not receive the accrued interest.Minimum Balance Requirements to Avoid Imposition of FeesA service charge will be imposed each month if the average daily balance for the month falls below the minimum balancerequirement. The average daily balance is calculated by adding the principal in the account for each day of the periodand dividing that figure by the number of days in the period. (Refer to the Consumer Fee Schedule; Service Charges forthe average daily balance requirement and monthly service charge pertaining to your account.)Balance Computation MethodWe use the daily balance method to calculate interest on your account. This method applies a daily periodic rate tothe principal in the account each day.Accrual of Interest on Non‐Cash ItemsInterest begins to accrue on the first business day after the banking day you deposit noncash items (for example checks).Transaction LimitationsYou may not make more than six withdrawals or transfers per month to another account of yours or to a third party bymeans of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similarorder to a third party. (Note: You may make unlimited withdrawals (payments directly to you or transfers of funds fromyour Account to any of your other deposit or loan accounts with us) either in person at our locations, by mail,messenger, or use of an ATM card.) If total monthly withdrawals/transfers exceed the limit (six) an excess transactionslimit monthly fee will apply (Refer to the Consumer Fee Schedule).We reserve the right to at any time require not less than seven days notice in writing before any withdrawal from anyinterest bearing account. 2017 Lakeland Bank, Revised 6/18/2015Member FDICOA PTMM2.SFX

Consumer Fee Schedule - NJSERVICE CHARGESElite Checking[1]Monthly Service ChargePlatinum CheckingPlatinum Tiered Money Market /Personal Tiered Statement Savings 7.00Monthly Service Charge if AverageDaily Balance is less than 2,500[2]Monthly Service ChargeOptional Elite Benefits Package Monthly Charge 25.00 3.00[1] Monthly Service Charge may be reduced to zero each statement period byPersonal Checking with InterestMonthly Service Charge if AverageDaily Balance is less than 500performing the following transactions or activity: a reduction of 1.00 forreceiving your monthly account statement electronically (eStatement), areduction of 0.25 for each mobile deposit, and a reduction of 0.25 for eachdebit card point of sale transaction (purchase) that posts and clears during themonthly account statement period. ATM withdrawals do not count towardsqualifying debit card transactions and there will not be any credit balances fortransaction or activity reduction amounts that exceed the monthly servicecharge. 15.00Classic CheckingMonthly Service Charge if AverageDaily Balance is less than 250 6.00[2] Monthly Service Charge will be waived if the combined balances of yourStudent Checking (for students ages 17* to 24) [3]eligible Lakeland Bank account(s) is 15,000 or more. Eligible accounts forpurposes of combined balances include personal checking, savings, moneymarket accounts, CD, IRA and personal loans and mortgages (with theexception of Overdraft Protection). Refer to the Truth in Savings Disclosure fordetails on the combined balance requirements.No Monthly Service ChargeRequires enrollment in eStatements [4]*Students under age 18 must have a joint owner ontheir account who is at least 18 years of age[3] For Student Checking Account, upon 25th birthday, notification will be sentRenewal Checking [5]Monthly Service Chargeadvising the account will be converted to Classic Checking. 10.00[4] Enrollment for receiving your monthly account statement electronically 3.00 .50(eStatement) is required within 60 days of account opening, and continuedreceipt of eStatements for the life of the account. Student Checking Accountsnot meeting eStatement requirements will be converted to Classic Checking.[5] If you maintain your Renewal Checking account in good standing for twoconsecutive years, you may submit a request to change your account type toone of the other checking account products. 5.00[6] Young Savers accounts; fee waived until age 21.Consumer CheckingMonthly Service ChargePer check charge over 8 checks processedPersonal Statement Savings / Young Savers [6]Monthly Service Charge if Average Daily Balance isless than 250 10.00GENERALFee *Account Closure Within 6 Months of OpeningATM or Debit Card Expedited DeliveryATM or Debit Card ReplacementATM or Debit Card Withdrawal (Non-LB ATM Fee) [1]Bond coupon processing (per envelope)Check OrdersCoin or Currency Special OrderCoin RedemptionCollection ItemDomestic (Canadian)Foreign [2]Counter CheckExcess Transactions Limit Monthly Fee [3]Foreign Currency Exchange/PurchaseHealth Savings Account (HSA) Custodial TransferIRA Custodial / Trustee TransferLien/Levy/Attachment ProcessingMoney Order (Personal)Multiple Statement Mailing FeeNon-Automated Account TransferOnline Banking and Online Bill PayOnline eStatements (Electronic Statements)Overdraft FeesNonsufficient Funds Paid Item (NSF Paid Item)Nonsufficient Funds Returned Item (NSF Returned Item)Uncollected Funds Paid Item (UCF Paid Item)Uncollected Funds Returned Item (UCF Returned Item)Overdraft (Continuous)Negative balance charge imposed daily beginningwith the 5th consecutive business day and each daythereafter up to a maximum of 98.00 2017 Lakeland Bank, Revised 6/1/2017 20.00 25.00 8.00 3.00 15.00Varies 35.005% 25.00 90.00 1.00 10.00 15.00 25.00 25.00 125.00 6.00 5.00 10.00FREEFREE 35.00 35.00 35.00 35.00 7.00Fee *Overdraft Transfer [4]Research/Statement Reconciliation (per hour)(minimum 5.00 charge)Research Item Photocopies (per page)Returned Mail HandlingReturned Deposited ItemSnapshot StatementStatement ReplacementStop Payment OrderTreasurer's CheckWire TransferIncoming nalReturned Wire Fee 10.00 45.00 1.00 10.00 17.00 2.00 5.00 35.00 10.00 15.00 30.00 50.00 30.00* Per Item, unless otherwise indicated.[1] Fee is waived for non-Lakeland Bank ATM Withdrawals from a PlatinumChecking account.[2] Plus foreign bank collection fees.[3] Savings and Money Market accounts only.[4] An Overdraft Transfer Fee will apply to automatic transfers made from theaccount (whether a deposit account or the Overdraft Protection Line ofCredit) linked to cover the overdrawn deposit account.Member FDICConsumer Fee Schedule - NJ (Form 08004B)

Consumer eStatement Agreement 2018 Lakeland Bank, Rev 1/10/2018Page 1 of 3Consumer eStatement Agreement (Form 05010P)

2018 Lakeland Bank, Rev 1/10/2018Page 2 of 3Consumer eStatement Agreement (Form 05010P)

2018 Lakeland Bank, Rev 1/10/2018Page 3 of 3Consumer eStatement Agreement (Form 05010P)

Telephone Banking AgreementAuthorization: You authorize Lakeland Bank to provide account information, transfer funds between your accounts andmake Lakeland Bank loan payments from your Lakeland Bank deposit accounts by telephone, in accordance with theprovisions of this agreement. You agree and acknowledge that all account owners who are authorized to withdraw fundsfrom or otherwise access an account(s) will have the authority to use the services authorized in this Agreement.Access Codes and Passwords: To access your accounts, you must enter your Access Number and PersonalIdentification Number (PIN) (also referred to as your personal password). Your Access Number is one of your accountnumbers with Lakeland Bank. The Bank will assign you a PIN to use for your initial access into the system. IN ORDERTO ENSURE SECURITY AND PREVENT UNAUTHORIZED TRANSFERS, IT IS REQURED AND YOU AGREE TO,DURING THE INITIAL PHONE CALL, CHANGE THE INITIAL PIN TO A FOUR TO SIX DIGIT NUMBER OF YOURCHOOSING AND WHICH IS NOT KNOWN BY THE BANK. The Bank will not be responsible for unauthorized transferswhich occur as a result of your failure to change the initial PIN.You agree to maintain the confidentiality of your Access Number and PIN. You authorize Lakeland Bank to honor anytransfer requests and provide account information to anyone who provides the correct Access Number and PIN.Furthermore, you agree to promptly notify the Bank if an unauthorized person has obtained your Access Number and/orPIN, or if unauthorized transfers or errors appear on your statement. You agree that your liability to Lakeland Bank forany and all transfers to or from your accounts(s), whether authorized or unauthorized, as well as your liability for failure toreport unauthorized transfers or account errors, is limited only by the provisions of the Electronic Funds Transfer Act andany regulations promulgated thereunder.Accounts: Non-Interest Bearing Checking Accounts, Interest Bearing Checking Accounts and Money Market Accountsare accessed through the checking system. Statement Savings, Passbook Savings and IRA Savings are accessedthrough the Savings system. Certificates and IRA Certificates are accessed through the Certificate of Deposit system.You may access any of your accounts to obtain account information.Limitation on Frequency of Transfers: You may access your accounts and make transfers at any time. Althoughthere are no restrictions on the number of transfers you make from your regular checking and interest bearing checkingaccounts, Federal regulations limit the number of transfers from a Money Market or Statement Savings to anotheraccount or third party by preauthorized, automatic or telephone to six per month. Transfers made through this plan fromMoney Market and Statements Savings Accounts count towards these limitations. Refer to your Account Agreement forfurther information.Limitations on Dollar Amount of Transfers: You may transfer up to the available balance in your account.Processing of transfers: Transfers made before 6:00 p.m. ET Monday through Friday, excluding holidays, will beprocessed on the same day. Transfers made on or after 6:00 p.m. ET Monday through Friday, or on a weekend orholiday, will be processed on the next business day. Telephone instructions to make a transfer cannot be cancelled afterthe system has accepted them.Charges: There are currently no service charges for utilizing the Lakeland Bank Telephone Banking System.Regulations: Transfers made in accordance with this Agreement, and all rights and liabilities of both of you andLakeland Bank are subject to the provisions of the Electronic Funds Transfer Act. You have been provided andacknowledge receipt of the Electronic Funds Transfer Disclosure. You should review this document as it gives generalinformation outlining your rights and responsibilities for these transactions. However, the Disclosure is merely asummary of the Act; the full text of the Act and of the Regulations of the Federal Reserve Board, which are promulgatedpursuant to the Act, are available for review upon request.Miscellaneous: We reserve the right to temporarily suspend this service at any time without prior warning. Our liabilityfor failing to make a transfer under this Agreement is specifically limited by the Electronic Funds Transfer Act, as well asall other applicable federal and state laws. The provisions of the act are outlined in your Electronic Funds TransferDisclosure.Termination: This agreement will remain in effect until you or the bank terminates it. A termination by you will not beeffective until the Bank has received from you a signed written notice of the termination and has had reasonable time toact upon it.Amendments: Lakeland Bank reserves the right to change any term or fee disclosed in this agreement upon 21 dayswritten notice to you.Continuing Effect: If any of these terms are determined by governmental authority to be invalid, the rest of the termswill continue to be valid.Agreement: You agree to all of the terms of this agreement and the terms outlined in the Electronic Funds TransferDisclosure. You also acknowledge receipt of a copy of this Agreement and a copy of the Electronic Funds TransferDisclosure. 2017 Lakeland Bank, Rev. 4/10/2017Telephone Banking Agreement (Form 05009B)

Overdraft Privilege Program OverviewAt Lakeland Bank, we encourage you to manage both your checking account and your personal finances responsibly. We alsounderstand that there are times when the unexpected occurs that may leave you short of cash in your checking account. That is why weextend Overdraft Privilege to our valued customers.What is Overdraft Privilege?Overdraft Privilege (ODP) is a discretionary overdraft service. It is not a line of credit. ODP is not a loan and does not involve thecharging of interest on the amount used to cover your inadvertent overdraft. It does not require an application or an evaluation of yourcredit history to determine your eligibility.If you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege.ODP does not guarantee that the Bank will pay any item presented against insufficient funds or overdrawing your account.Your Overdraft Privilege limit may be available for checks and other transactions made using your checking account number, includingdebit card purchases and withdrawals, electronic debits and bill payments. However, we require your permission (opt-in) before we payand assess non-sufficient funds and overdraft fees on ATM withdrawal

Lakeland Bank 250 Oak Ridge Road Oak Ridge, NJ 07438 Attn: Deposit Ops - Overdraft Services. I want Lakeland Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. I do not want Lakeland Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. Last Four digits of your Social Security Number: