"I noticed the XLE trim has the JBL stereo. What does that mean?"
A 10-speaker sound system with speakers made by JBL, an American audio company that is a unit of Harman International Industries, is available on the 2013 Toyota Camry SE and XLE models, though with some differences.
On the 2013 Camry, the four-cylinder SE and XLE models have a standard six-speaker sound system (not JBL branded) and a 6.1-inch touch-screen. A package that adds navigation, Toyota's Entune multimedia system, satellite and HD radio, and other capabilities is a $1,050 option. In addition, the XLE four-cylinder is available with a system that includes all that plus 10 JBL speakers (with a subwoofer and amplifier) for $1,700.
The six-speaker system with navigation, Entune and the other features is standard on the SE V-6 and XLE V-6 models. On the SE V-6, the JBL speakers are a $650 option. The JBL system also is optional on the XLE V-6, but it includes a 7-inch touch-screen and a premium navigation system, and the price jumps to $1,620.