Heartland Financial USA Investor Relations Material

Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses. It offers checking accounts, savings accounts, money market accounts, and certificates of deposit; and consumer loans that include residential real estate mortgage loans, home equity loans and lines of credit, construction loans, automobile loans, personal installment loans, recreational vehicle loans, direct deposits, wire transfers and other electronic fund transfers.