Heartland Financial USA, Inc. (Heartland) is a multi-bank holding company. Heartland conducts its community banking business through 10 bank subsidiaries. Heartland, through its subsidiaries, is engaged in making loans to and accepting deposits from businesses and individuals. The Bank Subsidiaries provide a range of commercial and consumer banking services to businesses and individuals. These activities include credit and deposit products along with investment management, trust, retirement plan services, and brokerage and investment services. Heartland’s loans portfolio includes commercial and industrial, small business, agricultural, real estate mortgage, consumer, home equity, and lines of credit. Its lending and investment activities are funded primarily by core deposits. Its various Deposit products include checking and other demand deposit accounts, savings accounts, money market accounts, certificates of deposit, health savings accounts and other time deposits.