Heartland Financial USA, Inc. Depositary Shares, each representing a 1/400th ownership interest in a share of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E

Heartland Financial is a multibank holding company offering commercial, small business, and consumer banking services to businesses and clients. The company also provides traditional and non-traditional service channels including online banking, mobile and remote banking, and telephone banking.