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October 2012
Dear Valued Customer,

The current weather situation is creating unprecedented challenges for our customers and neighbors. Our first priority is the safety and well being of our customers and team members resulting in the closure of all Lakeland Bank locations on Monday, October 29 and Tuesday, October 30.

Accordingly, we are implementing the following actions to assist you:

We are waiving the following fees assessed by Lakeland Bank through Wednesday, October 31 for our customers. Please be advised that you’ll have until the end of the business day (6:00 PM) on Thursday (November 1) to make a deposit or a payment to bring your account current to avoid the fee being charged.

• Overdraft Protection Fees, Insufficient Funds (“NSF”) Fees, Unc ...


By David Yanagisawa, Executive Vice President and Chief Lending Officer

As the Chief Lending Officer at Lakeland Bank , I see many north Jersey residents and small business owners apply for loans to help make their dreams come true.

Small business owners often ask me about how to maintain good credit and specifically to explain the difference between personal and business credit scores. Since the majority of lenders reference both business and personal credit scores when making lending decisions for small businesses, I thought business credit would be a good topic to share on our blog.

Most importantly, business and personal credit reports and credit scores differ. Personal credit scores range from 300 to 850 with a score of above 700 co ...


By David Yanagisawa, Executive Vice President and Chief Lending Officer

iStock_000005550102XSmall.jpgDo you have a child heading to college? Are you planning a major home renovation or looking for a way to consolidate your debt? If you’re at the point where you need ready cash for a major expense, you’re probably looking at a number of options.

As Chief Lending Officer at Lakeland Bank, I’m often asked which financial vehicle is best. My answer always depends on an individual’s life stage, future goals, and current financial situation. For clients ...


By David Yanagisawa, Executive Vice President and Chief Lending Officer

With mortgage rates at historic lows, many first-time homebuyers and current homeowners are thinking now is the time to get a mortgage or to refinance. For some, taking the first steps can be a bit intimidating, but it need not be. A little preparation and planning can make the process go smoothly.

If you’re one of those thinking about taking out a mortgage or refinancing your home, here are six tips to help you get started and help you move quickly to secure a great mortgage rate when you are ready.

Tip 1: Good credit is key to obtaining a mortgage. Under the Fair and Accurate Credit Transactions Act, you are entitled to receive one free credit report f ...


By David Yanagisawa, Executive Vice President and Chief Lending Officer

shutterstock_102145555.jpgA solid credit score, often referred to as your FICO® score, is an essential marker that lenders look at when you apply for mortgages, auto loans and credit cards. Employers and landlords also review your score when you apply for a job or apartment rental. While a low score may not prevent you from achieving a goal and a high score may not guarantee you will get the money or job you seek, it’s best to know your score and keep your credit squeaky clean. T ...


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