Commission File Number: |
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(State or other jurisdiction of incorporation)
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(I.R.S. Employer Identification Number)
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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
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Title of each class
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Trading Symbol(s)
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Name of each exchange on which registered
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Item 8.01. |
Other Events.
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Item 9.01. |
Financial Statements and Exhibits.
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Indenture between Heartland Financial USA, Inc. and U.S. Bank National Association dated December 17, 2014 (incorporated by reference to Exhibit 4.1 to Registrant’s Current Report on Form 8-K dated on December
18, 2014)
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Second Supplemental Indenture dated as of September 8, 2021 to the Indenture dated as of December 17, 2014 between Heartland Financial USA, Inc. and U.S. Bank National Association, as trustee
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Form of Global Note representing the Securities (included in Exhibit 4.1)
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Opinion of Dorsey & Whitney LLP
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Consent of Dorsey & Whitney LLP (included in Exhibit 5.1)
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Press release dated September 8, 2021
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104
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The cover page from this Current Report on Form 8-K, formatted as Inline XBRL.
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HEARTLAND FINANCIAL USA, INC.
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Dated: September 8, 2021
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By:
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/s/ Bryan R. McKeag
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Bryan R. McKeag
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Executive Vice President and Chief Financial Officer
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Page
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ARTICLE I
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APPLICATION OF SECOND SUPPLEMENTAL INDENTURE; DEFINITIONS
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2
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Section 1.1.
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Application of Second Supplemental Indenture
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2
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Section 1.2.
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Definitions
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2
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ARTICLE II
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GENERAL TERMS AND CONDITIONS OF THE NOTES
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6
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Section 2.1.
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Designation and Principal Amount
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6
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Section 2.2.
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Maturity
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6
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Section 2.3.
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Form and Payment
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7
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Section 2.4.
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Interest
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7
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Section 2.5.
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Effect of a Benchmark Transition Event
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8
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Section 2.6.
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Notes Not Convertible or Exchangeable
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9
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Section 2.7.
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No Sinking Fund
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10
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ARTICLE III
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EVENTS OF DEFAULT
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10
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Section 3.1.
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Events of Default
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10
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ARTICLE IV
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REDEMPTION
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10
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Section 4.1.
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Optional Redemption
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10
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ARTICLE V
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SUBORDINATION
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11
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Section 5.1.
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Securities Subordinated to Senior Indebtedness
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11
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Section 5.2.
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Securities to Rank At Least Pari Passu with All Other Unsecured Subordinated Indebtedness
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11
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ARTICLE VI
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MISCELLANEOUS
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12
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Section 6.1.
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Ratification of Base Indenture
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12
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Section 6.2.
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Trust Indenture Act Controls
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12
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Section 6.3.
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Conflict with Base Indenture
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12
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Section 6.4.
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Governing Law
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12
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Section 6.5.
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Successors
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12
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Section 6.6.
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Counterparts
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12
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Section 6.7.
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Trustee Disclaimer
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12
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1) |
Compounded SOFR;
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2) |
the sum of: (a) the alternate rate that has been selected or recommended by the Relevant Governmental Body as the replacement for the then-current Benchmark for the applicable
Corresponding Tenor and (b) the Benchmark Replacement Adjustment;
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3) |
the sum of: (a) the ISDA Fallback Rate and (b) the Benchmark Replacement Adjustment; and
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4)
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the sum of: (a) the alternate rate that has been selected by the Calculation Agent as the replacement for the then-current Benchmark for the
applicable Corresponding Tenor, giving due consideration to any industry-accepted rate as a replacement for the then-current Benchmark for U.S. dollar-denominated floating rate securities at such time, and (b) the Benchmark Replacement Adjustment.
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1) |
the spread adjustment, or method for calculating or determining such spread adjustment (which may be a positive or negative value or zero), that has been selected or recommended
by the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement;
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2) |
if the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate, then the ISDA Fallback Adjustment; and
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3) |
the spread adjustment (which may be a positive or negative value or zero) that has been selected by the Calculation Agent, giving due consideration to any industry-accepted
spread adjustment or method for calculating or determining such spread adjustment, for the replacement of the then-current Benchmark with the applicable Unadjusted Benchmark Replacement for U.S. dollar-denominated floating rate securities
at such time.
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1) |
in the case of clause (1) of the definition of “Benchmark Transition Event,” the relevant Reference Time in respect of any determination;
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2) |
in the case of clause (2) or (3) of the definition of “Benchmark Transition Event,” the later of (a) the date of the public statement or publication of information referenced
therein and (b) the date on which the administrator of the Benchmark permanently or indefinitely ceases to provide the Benchmark; or
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3) |
in the case of clause (4) of the definition of “Benchmark Transition Event,” the date of the public statement or publication of information referenced therein.
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1) |
if the Benchmark is Three-Month Term SOFR, (a) the Relevant Governmental Body has not selected or recommended a forward-looking term rate for a tenor of three months based on
SOFR, (b) the development of a forward-looking term rate for a tenor of three months based on SOFR that has been recommended or selected by the Relevant Governmental Body is not complete or (c) the Corporation determines that the use of a
forward-looking term rate for a tenor of three months based on SOFR is not administratively feasible;
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2) |
a public statement or publication of information by or on behalf of the administrator of the Benchmark announcing that such administrator has ceased or will cease to provide the
Benchmark, permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will
continue to provide the Benchmark;
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3) |
a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark, the central bank for the currency of the Benchmark, an
insolvency official with jurisdiction over the administrator for the Benchmark, a resolution authority with jurisdiction over the administrator for the Benchmark or a court or an entity with similar insolvency or resolution authority over
the administrator for the Benchmark, which states that the administrator of the Benchmark has ceased or will cease to provide the Benchmark permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark; or
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4) |
a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark announcing that the Benchmark is no longer representative.
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1) |
the rate, or methodology for this rate, and conventions for this rate selected or recommended by the Relevant Governmental Body for determining compounded SOFR; provided that:
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2) |
if, and to the extent that, the Calculation Agent determines that Compounded SOFR cannot be determined in accordance with clause (1) above, then the rate, or methodology for this
rate, and conventions for this rate that have been selected by the Calculation Agent giving due consideration to any industry-accepted market practice for U.S. dollar-denominated floating rate securities at such time.
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1) |
an amendment to or change (including any announced prospective amendment or change) in any law or treaty, or any regulation thereunder, of the United States or any of its
political subdivisions or taxing authorities,
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2) |
a judicial decision, administrative action, official administrative pronouncement, ruling, regulatory procedure, regulation, notice or announcement, including any notice or
announcement of intent to adopt or promulgate any ruling, regulatory procedure or regulation,
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3) |
an amendment to or change in any official position with respect to, or any interpretation of, an administrative or judicial action or a law or regulation of the United States
that differs from the previously generally accepted position or interpretation, or
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4)
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a threatened challenge asserted in writing in connection with an audit of our federal income tax returns or positions or a similar audit of any
of our subsidiaries or a publicly known threatened challenge asserted in writing against any other taxpayer that has raised capital through the issuance of securities that are substantially similar to the Notes, in each case,
occurring or becoming publicly known on or after the date of issuance of the Notes, resulting in more than an insubstantial risk that the interest payable on the Notes is not, or within 90 days of receipt of such opinion of tax
counsel, will not be, deductible by us, in whole or in part, for U.S. federal income tax purposes.
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1) |
the Redemption Date;
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2) |
the principal amount of the Notes that are being redeemed;
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3) |
each Place of Payment;
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4) |
the redemption price and accrued interest to the Redemption Date that is payable pursuant to Section 1102 of the Base Indenture;
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5) |
if fewer than all outstanding Notes are to be redeemed, the portion of the principal amount of such Notes to be redeemed and that, after the Redemption Date and upon surrender of such Notes, if applicable, a new Note or Notes in
principal amount equal to the unredeemed portion will be issued;
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6) |
the name and address of the Paying Agent;
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7) |
that Notes called for redemption must be surrendered to the Paying Agent to collect the redemption price;
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8) |
that unless the Corporation defaults in making the redemption payment, interest on Notes called for redemption ceases to accrue on and after the Redemption Date;
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9) |
if such notice is conditioned upon the satisfaction of one or more conditions precedent, the nature of such conditions precedent;
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10) |
the applicable section of the Indenture pursuant to which the Notes called for redemption are being redeemed; and
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11) |
that no representation is made as to the correctness or accuracy of the CUSIP and/or ISIN numbers, if any, listed in such notice or printed on the Notes.
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HEARTLAND FINANCIAL USA, INC.
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By: | /s/ Bryan R. McKeag | |
Name:
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Bryan R. McKeag
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Title:
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Executive Vice President and Chief Financial Officer
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Attest:
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/s/ Jay L. Kim | |
Name:
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Jay L. Kim | |
Title:
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Executive Vice President, General Counsel and Corporate Secretary |
U.S. BANK NATIONAL ASSOCIATION, as Trustee
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By: |
/s/ Linda Garcia
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Name: |
Linda Garcia
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Title: |
Vice President
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CUSIP No.
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42234Q AE2
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ISIN No.
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US42234QAE26
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No.
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INITIAL PRINCIPAL AMOUNT:
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$150,000,000
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ISSUE DATE:
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September 8, 2021
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MATURITY DATE:
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September 15, 2031
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INTEREST PAYMENT DATE(S):
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March 15 and September 15 of each year,
beginning on March 15, 2022 and ending
on September 15, 2026; March 15, June 15,
September 15, and December 15 of each
year, beginning on December 15, 2026
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HEARTLAND FINANCIAL USA, INC.
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By:
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Name:
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Bryan R. McKeag
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Title:
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Executive Vice President and Chief Financial Officer
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Dated: |
Attest:
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Name:
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Jay L. Kim | |
Title:
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Executive Vice President, General Counsel and Corporate Secretary |
U.S. BANK NATIONAL ASSOCIATION, as Trustee
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By:
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Name: Linda Garcia
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Title: Vice President
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Dated: |
Legal Name:
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Address and Zip Code:
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Tax I.D. No. (or SSN):
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Dated:
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(Signature)
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*Signature Guarantee:
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* |
Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to the Trustee).
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Date |
Amount
of
decrease
in
Principal
Amount
of this
Global
Note
|
Amount
of
increase
in
Principal
Amount
of this
Global
Note
|
Principal
Amount
of this
Global
Note
following
such
decrease
or
increase
|
Signature
of
authorized
signatory
of
Trustee or
Securities
Custodian
|
Heartland Financial USA, Inc.
1398 Central Avenue
Dubuque, IA 52001
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Very truly yours,
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/s/ Dorsey & Whitney LLP
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Dorsey & Whitney LLP
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• |
COVID-19 Pandemic Risks, including risks related to the ongoing COVID-19 pandemic and measures enacted by the U.S. federal and state governments and adopted by private businesses in response to the
COVID-19 pandemic;
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• |
Economic and Market Conditions Risks, including risks related to changes in the U.S. economy in general and in the local economies in which HTLF conducts its operations and future civil unrest, natural
disasters, terrorist threats or acts of war;
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• |
Credit Risks, including risks of increasing credit losses due to deterioration in the financial condition of HTLF's borrowers, changes in asset and collateral values and climate and other borrower industry
risks which may impact the provision for credit losses and net charge-offs;
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• |
Liquidity and Interest Rate Risks, including the impact of capital market conditions and changes in monetary policy on our borrowings and net interest income;
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• |
Operational Risks, including processing, information systems, cybersecurity, vendor, business interruption, and fraud risks;
|
• |
Strategic and External Risks, including competitive forces impacting our business and strategic acquisition risks;
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• |
Legal, Compliance and Reputational Risks, including regulatory and litigation risks; and
|
• |
Risks of Owning Stock in HTLF, including stock price volatility and dilution as a result of future equity offerings and acquisitions.
|
V^FV,][=R>5;P(9)'()VJ. MIP.:0'.1^!_(A%G;>(]<@TX# M4N%(5?[H@B-KI M\D#0;83A@&')!.>> :T+*\M]1L8+VTD\RWGC$D3@$;E(R#@\U/3NP&0Q+ M!!'"I)6-0H)ZX Q62FFQ:#:ZS>6D$]Y+=RO>26Y9 MI-#%$W\2LF M^*Z"Z\-:%?7?VN[T;3Y[C.3++;(S'\2,UIJH50J@!0, <"FV*QB'PO;IXAD MUFUOK^UEG96N8(95\F < #@BKT>E01:Y<:LKR&XG@CMV4D;0J%B"! MC.?G/?TJ]12N,S]7T>WUJVA@N7E18KB*X4QD EHV# '(/&1S4$_AZWG\4VVO MM=7:SV\!@6!9!Y+ [N2N,[OF/.>PK7HHN 4444@.1^)__)-]:_ZY+_Z&M?*] M?5'Q/_Y)OK7_ %R7_P!#6OE>NBCL9S"BBBMB0HHHH ***4 D@ $D\ "@ )( M !)/ JQ?V%WIEX]I>P/!<(%+1OU7 VM7' M^I]&8?WO0=OKT\X^*W_)3-9_WH__ $4E0IIRLAM65SC:***L1Z5\#O\ D?9/ M^O&3_P!"2OHROG/X'?\ (^R?]>,G_H25]&5RU?B-([!111691PGQA_Y)KJ'_ M %TA_P#1BU\R5]-_&'_DFNH?]=(?_1BU\R5TT?A,Y[A1116I)]>>#_\ D2=! M_P"P=;_^BUK:K%\'_P#(DZ#_ -@ZW_\ 1:UM5Q/ MNSKC/A/_ ,DRT;Z2_P#HUZP_B;\34\/1R:-HTJOJKC$LHY%L#_[/[=NIKD:; MDTC6]D'Q-^)J>'HY-&T:57U9QB64 />$/&^I^$M:-]#(\\, MS9NH'8XF&>3G^]Z&N;DD>61I)'9Y')9F8Y))ZDFFUT1@DK&;D[GV'H.O:?XD MTF+4M-F$D,@Y!^\C=U8=B*TZ^3O!?C._\&ZPMU;L9+60@7-L3Q(O]&'8_P!* M^H=%UJP\0:5#J6FSB:WE'![J>ZL.Q'I7/.#BS1.YH4445 PHHHH *X[P:=NL M>,#Z:JQ_\AI78UQO@_\ Y"WC'_L*M_Z+2FA$&D>-]8\3:;#>:#X=62,H/.DN MKORD$F.40[27QT+8 S6]X=\1KKJ744UI)8ZC9.([NSE8,8B1D$,.&4CH?8UG M_#1%3X <\#^SK5F/T:3G\J;MJ EMXGUS686O MM"T*"?3=S"*:[O/):X .-R*$;"G'!)Y]*N6GB>'4/#6I:B;*2.:P$J75E.0& M22-=Q0D9!!&,$9CI6@WMOI\ F3SCMTJJ_B+Q%8VWV_5/#4<=@HWRBVO/.G@7N63: V! MUVD_C6%/)':>&?AS?W/%G;M;"9ST0M;E48^@W$<]J]!OKRULM/GN[N1$M8HR M\CL> H'-#L@. \3>)(/$/PANM:6+R;=KJ+ W%OE2[1=W0=0N<8XSBMC_ (2; MQ)=VW]H:9X6$VGE=\8GO!%/*GJ$VD#(Y )S7$V21S_L\*A3]U)=("OL;U>*] MD & .@%-V0(Y]/$%SK'A>WU;P[91W3W&08KF?R3%C<&SA6R0PQCCZUF_# MF\UFX\+Z6E[I\*6?V-3'=B\,DDIXQE-@QD9/WCT]ZE\"<:-JZ#[J:M>JH]!Y MIJU\/SGX?Z%C_GSC_E2>B8'244BLKC*L&'J#FEJ1A1110 4444 OJCXG_\DWUK_KDO_H:U\KUT4=C.84445L2>P^'?@M::YX=T M_5'UJ>)KJ!93&L (7(Z9S6G_ ,*!LO\ H/W'_@.O^-=_X _Y$#0O^O./^5=' M7*ZDK[FG*CQW_A0-E_T'[C_P'7_&MWPI\(-(\-:LNI374FH31\PK+&%6-O[V M,G)]/2O1:*ESD^H[(*^6_BM_R4S6?]Z/_P!%)7U)7RW\5O\ DIFL_P"]'_Z* M2KH_$*>QQM%%%=)F>E? [_D?9/\ KQD_]"2OHROG/X'?\C[)_P!>,G_H25]& M5RU?B-([!111691PGQA_Y)KJ'_72'_T8M?,E?3?QA_Y)KJ'_ %TA_P#1BU\R M5TT?A,Y[A1116I)]>>#_ /D2=!_[!UO_ .BUK:K%\'_\B3H/_8.M_P#T6M;5 M<3W-@HHHI ?/7QX_Y':Q_P"P 75UT_ MA1E+<*[#X6?\E*T7_KH__HMJX^NC\!:K9Z)XWTS4M0E,5K [&1PI;&48#@<] M2*J6S$MSZSHKAO\ A;_@C_H+O_X"R_\ Q-'_ M_P1_T%W_\!9?_ (FN3DEV M-;H[FBN&_P"%O^"/^@N__@++_P#$T?\ "W_!'_07?_P%E_\ B:.278+HV/'? M_(A:]_UXR_\ H)KY*KZ%\5_%#PCJGA+5K"TU-I+BXM9(XT^S2#+$8 R5P*^> MJWI)I:D2"BBBM23Z:^&T$UU\(M.M[>Z>UFDBG5)T4%HR97^8 \<5S NSKD "OARW@J_EFMM=N9[>9<26S1!48]FZGD>U=U12 8 #X+4Z6=2TJW2*VN8F; M+);@!2^W:=Y& 2..Y[5@^5\/=-LH=0&HK=V\>'MK4ZA)<*6'*A(BQRP.,#'% M>AU2BTC3(;LW<6G6D=R>LR0*'/\ P+&:$Q'-Z!X7^U?#VWTG6$DA>X?[5-&A MVM&QF\X+WZ' /T-=C110W<90TK2+;1X;B*V,A6XN)+E]YS\[G+8]LU0T;PE8 M:#=R2V%Q?I;NC(MDURS6\>Y@240\*>/U-;NX;MN1NQG&>:H2ZQ!%K]MH[)(; MBXMWN%8 ; J%00> <"M>BBD M4444 %%%% '(_$__ ))OK7_7)?\ T-:^5Z^J/B?_ ,DWUK_KDO\ Z&M?*]=% M'8SF%%%%;$GUGX _Y$#0O^O./^5='7.> /\ D0-"_P"O./\ E71UQ/ C_\ 125]25\M_%;_ )*9K/\ O1_^BDK6C\1,]CC:***Z M3,]*^!W_ "/LG_7C)_Z$E?1E?.?P._Y'V3_KQD_]"2OHRN6K\1I'8****S*. M$^,/_)-=0_ZZ0_\ HQ:^9*^F_C#_ ,DUU#_KI#_Z,6OF2NFC\)G/<****U)/ MKSP?_P B3H/_ K?_T6M;58O@__ )$G0?\ L'6__HM:VJXGN;!1112 ^>OC MQ_R.UC_V#D_]&25Y=7J/QX_Y':Q_[!R?^C)*\NKKI_"C*6X44458@HHHH ** M*Z'PAX0U'QCJZV=FNR%,&XN&'RQ+_4GL._YFAM)78&?IFAZAJT%[/:0%H;*! MI[B0\*B@9Z^IQP*SJ^H-9\.Z=X8^%>LZ;IL6R)+&4LY^](VWEF/)KT>;(EW)96 <9$,,9P2OH6;))KMJ MXGP?<)HNMZQX7O&$4PNY+RRW' F@D.[Y?4J<@TUL(Z?4;C27BEL=2N+/RY4V MR0SR*-RGU![5F^$M-AT71YK&TU5-0LXIG:V"D$P1GD1EMQW8['CZ59U?1/#M MSYFHZSINFR^4GSW%U C;5'JS#I7*_#*YLKR'Q+<:=:):V3ZB3!$D>P!/+7:0 MO;(Y_>#J7O#?B_6O%5I9WVGZ##%8/M$T]S=[ TV*[FM,?:[FZF,4$+$9"<*2S8YX'%.^'RJOP^T(* !]C0\>I&35+ MP'(D%QXCTR8A;^'5IYI4)^9DD(9'^A7 _"AVU M6WB74;+6;72_$6FPVKWA* MVMW:3&6"1\9V' _N=4MWMT'WEV-N=_H%!R?>J^MZC#X3\;R:K<';::CIDGF>\ MUO\ .OXE&8#Z46N!H6'C)+WQQ>^'OLI2*%&$5UNXED0(9$ ]5WC]:T9];9/% MMGH<,*N9;62ZGD+8,2 A5X[Y8G\JY"YTZ?0?!&BZ[*K&_P!.NAJ-YM^\PF)\ M\?@LA_[X%;?A9TU7Q'XAUU2'A:9+"V?L8XA\Q'L79ORH:6X'/BY\4CXI3.-, MTLW?]C*!']L<)Y7G'G=Y>=V<\8Z=ZO\ B?5I-)^(FB/%927EU/83PP6\; ;W M+QGECP "2?05?7_ )+#)_V $_\ 2AJ??*K?%+1R0"5TRY(]COC']33Z@0W7 MB;Q!H+V]QX@TFQ33995BDN+*Z9S;ECA2ZLHR,D#(KL:Y'XG_ /)-M:_ZY+_Z M&M=6\T4;JCR(K.<*&8 M]*E[7 ?1112&%%%% %/5-,M-:TRXTZ_B\VUG7;(F MXC(Z]1SUKC_^%.^"O^@;+_X%2?XUWE%-2:V"QP?_ IWP5_T#9?_ *D_P : M/^%.^"O^@;+_ .!4G^-=Y13YY=Q616T[3[;2M.M["S0I;6\8CC4L3A1TY/-6 M:**D84444 % 7<+( MX/\ X4[X*_Z!LO\ X%2?XUU6AZ!IGAO3EL-*M5MX Q8@$DL3W)/)/UK2HI.3 M>X[(K:A8V^IZ?<6%VF^WN(VBD7)&5(P>1R*XS_A3O@K_ *!LO_@5)_C7>44) MM;!8X/\ X4[X*_Z!LO\ X%2?XT?\*=\%?] V7_P*D_QKO**?/+N*R*.CZ19: M%I4&F:?$8K6 $1H6+8R23R>>I-7J**D84444 %%%% !1110 4444 %9>M>'= M*\0VZ0ZI9I.(VW1ODJ\9]588(_ UJ44 \<23 SI-#>QKL2ZM9WAE"_W=RD$CV-;5%*X&)I/ MA32M'O7OHDFGOG78;N[G>>7;Z!F)P/I4VN>'=+\1P6\.J6WGQV\PGC7<1AAD M 3R35^BD!CZOX8TO6[J"[NXYDNH%*1SV]P\+A3U7*$9'M5QM+M' MU6#4V1C=00M!&^X\(Q!(QWY40L]UI[E[9PY&TG&<@<'H.M:M%%P"BBB@ HHHH **** M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH * M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH EHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#__V0$! end
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