Document:

exhibit 10 12 second amend

    SECOND
      AMENDMENT TO CREDIT AGREEMENT

    

    

    THIS
      SECOND AMENDMENT TO CREDIT AGREEMENT (this "Amendment")
      dated
as
      of
      July 1, 2004 is among HEARTLAND FINANCIAL USA, INC., a corporation formed
      under
      the laws
      of the State of Delaware (the "Borrower"),
      each of
      the banks party hereto (individually, a "Bank"
      and
      collectively, the "Banks")
      and THE
      NORTHERN TRUST COMPANY, as agent for the Banks (in such capacity, together
      with
      its successors in such capacity, the "Agent").

    

    WHEREAS,
      the Borrower, the Agent and the Banks have entered into a Credit Agreement
      dated
      as of January 31, 2004, as amended by that First Amendment to Credit Agreement
      dated as of March 9, 2004 (as so amended, the "Credit
      Agreement");
      and

    

    WHEREAS,
      the Borrower, the Agent and the Banks wish to amend the Credit Agreement in
      order to permit the Borrower to incur a $300,000 low interest loan from the
      City
      of Dubuque to fund certain building;

    

    NOW,
      THEREFORE, for valuable consideration, the receipt and sufficiency of which
      is
      hereby acknowledged, the parties hereto agree as follows:

    

    1.   Definitions.
      Terms
      defined in the Credit Agreement and not otherwise defined herein shall have
      the
      respective meanings given to them in the Credit Agreement and terms defined
      in
      the introductory paragraphs or other provisions of this Amendment shall have
      the
      respective meanings attributed to them therein.. In addition, the following
      terms shall have the following
      meanings (terms defined in the singular having a. correlative meaning when
      used
      in the
      plural
      and vice versa):

    

    "Effective
      Date"
      shall
      mean July 1, 2004, if (i) this Amendment shall have been executed and delivered
      by the Borrower, the Agent and the Banks and (ii) the Borrower shall have
      performed its obligations under Section
      3,
      hereof.

    

    2.   Amendment
      to Section 7.5(a) of the Credit Agreement. Section
      7.5(a),
      of the
      Credit Agreement is hereby amended as of the Effective Date by the addition
      of
      the following new sub-section (viii) thereto:

    

    (viii)
      in
      the case of the Borrower, indebtedness to the City of Dubuque, Iowa, in an
      amount not to exceed $300,000, to be used for the purpose of funding building
      improvements,

    

    3.  Conditions
      to Effective Date.
      The
      occurrence of the .Effective Date shall be subject to the satisfaction, on
      and
      as of the Effective Date, of the following conditions precedent:

    

    (a)  The
      Borrower, the Agent and the Majority Banks shall have executed and delivered
      this Amendment.

     

    (b)  No
      Default shall have occurred and be continuing under the Credit Agreement, and
      the representations and warranties of the Borrower in Section
      6
      of the Credit Agreement and in Section
      7
      hereof
      shall be true and correct on and as of the Effective Date and the Borrower
      shall
      have provided to the Agent a certificate of a senior officer of the Borrower
      to
      that effect,

    

    (c)  Each
      Guarantor shall acknowledge and consent to this Amendment for purposes of its
      Guaranty Agreement as evidenced by its signed acknowledgment of this Amendment
      on the signature page hereof.

    

    (d)  The
      Borrower shall have delivered to the Agent, on behalf of the Banks, such other
      documents as the Agent may reasonably request.

    

    4.   Effective
      Date Notice.
      Promptly
      following the occurrence of the Effective Date, the Agent shall give notice
      to
      the parties of the occurrence of the Effective Date, which notice shall be
      conclusive, and the parties may rely thereon; provided, that such notice shall
      not waive or otherwise limit any right or remedy of the Agent or the Banks
      arising out of any failure of any condition precedent set forth in Section
      3
      to be
      satisfied.

    

    5.   Termination.
      If the
Effective
      Date
      shall not have occurred on or before August 31, 2004, the Agent on instruction
      of the Majority Banks may terminate this Amendment by notice in writing to
      the
      Borrower at any time, before the occurrence of the Effective Date; provided,
      that the Borrower's obligations under Section
      11
      shall
      survive any such termination.

    

    6.   Ratification,
      The
      parties agree that the Credit Agreement, as amended hereby, and the Notes have
      not lapsed or terminated, are in full force and effect, and are and from and
      after the Effective Date shall remain binding in accordance with their terms.
      .

    

    7.  Representations
      and Warranties.
      The
      Borrower represents and warrants to the Agent and the Banks that:

     

    (a)  No
      Breach.
      The
      execution, delivery and performance of this Amendment will not conflict with
      or
      result in a breach of, or cause the creation. of a Lien or require any consent
      under, the articles of incorporation or bylaws of the Borrower, or any
      applicable law or regulation, or any order, injunction or decree of any court
      or
      governmental authority or agency, or any agreement or instrument to which the
      Borrower is a party or by which it or its property is bound.

     

    (b)  Power
      and Action, Binding Effect.
      The
      Borrower has been duly incorporated and is validly existing as a corporation
      under the laws of the State of Delaware and has all necessary power and
      authority to execute, deliver and perform its obligations under this Amendment.
      and the Credit Agreement, as amended by this Amendment; the execution, delivery
      and performance by the Borrower of this Amendment and the Credit Agreement,
      as
      amended by this Amendment, have been duly authorized by all necessary action
      on
      its part; and this
      Amendment and the Credit Agreement, as amended by this Amendment,
      have
      been
      duly and validly executed and delivered by the Borrower and constitute legal,
      valid and binding obligations, enforceable in accordance with their respective
      terms.

     

    (c)
      Approvals.
      No
      authorizations, approvals or consents of, and no filings or registrations with,
      any governmental or regulatory authority or agency or any other person are
      necessary for the execution, delivery or performance by the Borrower of this
      Amendment or the Credit Agreement, as amended by this Amendment, or for the
      validity or enforceability thereof.

    

    8.   Successors
      and Assigns.
      This
      Amendment shall be binding upon and inure to the benefit of the Borrower, the
      Agent and the Banks and their respective successors and assigns, except that
      the
      Borrower may not transfer or assign any of its rights or interest
      hereunder.

    

    9.  Governing
      Law. This
      Amendment shall be governed by, and construed and interpreted in accordance
      with, the internal laws of the State of Illinois.

     

    10.   Counterparts.
      This
      Amendment may be executed in any number of counterparts and each party hereto
      may execute any one or more of such counterparts, all of which shall constitute
      one and the same instrument. Delivery of an executed counterpart of a signature
      page to this Amendment by telecopy shall be as effective as delivery of a
      manually executed counterpart of this Amendment.

    

    11.   Expenses.
      Whether
      or not the Effective Date shall occur, without limiting the obligations of
      the
      Borrower under the Credit Agreement, the Borrower agrees to pay, or to reimburse
      on demand, all reasonable costs and expenses incurred by the Agent in connection
      with the negotiation, preparation, execution, delivery, modification, amendment
      or enforcement of this Amendment, the Credit Agreement and the other agreements,
      documents and instruments referred
      to herein, including the reasonable fees and expenses of Gardner Carton &
Douglas LLP,
      special
      counsel to the Agent, and any other counsel engaged by the Agent.

    

    [Signature
      Page Follows]

     

    

     

    
      
        
        

         

      

      
         

        
          

        

      

      
         

        
        

      

    

    IN
      WITNESS WHEREOF, this Amendment has been executed as of the date first
      above
      written.

    

    HEARTLAND
      FINANCIAL USA, INC.

    By:
      /s/
      John K. Schmidt

    Name:
      John K. Schmidt

    Title:
      EVP, CFO, COO

    

    THE
      NORTHERN TRUST COMPANY,

    As
      Agent

    

    By:
      /s/
      Thomas E. Bernhardt

    Name:
      Thomas E. Bernhardt

    Title:
      Vice President

    

    BANKS:

    

    THE
      NORTHERN TRUST COMPANY

    By:
      /s/
      Thomas E. Bernhardt

    Name:
      Thomas E. Bernhardt

    Title:
      Vice President

    

    HARRIS
      TRUST
      AND SAVINGS BANK

    By:
      /s/
      Michael S. Cameli

    Name:
      Michael S. Cameli

    Title:
      Vice President

    

    U.S.
      BANK NATIONAL ASSOCIATION

    By:
      /s/
      Jay Strunk

    Name:
      Jay
      Strunk

    Title:
      Assistant Vice President

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    GUARANTOR
      ACKNOWLEDGEMENT

    

    Each
      of
      the undersigned Guarantors hereby acknowledges and consents to the Borrower’s
      execution of this Amendment.

    

    

    CITIZENS
      FINANCE CO.    ULTEA,
      INC.

    By:
      /s/
      John K. Schmidt    By:
      /s/
      John K. Schmidt

    Title:
      Treasurer     Title:
      Treasurer

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    CERTIFICATE

    

     

    The
      undersigned as Executive Vice President, Chief Financial Officer and Chief
      Operating Officer of Heartland Financial USA, Inc., hereby certifies as
      follows:

     

    1.  No
      Default, as defined in the Credit Agreement among Heartland Financial
      USA,
      Inc.
      (the "Borrower"), certain banks and The Northern Trust Company as agent, as
      amended ("Credit Agreement") has occurred and is continuing.

    

    2.  The
      representations and warranties of the Borrower in Section 6 of the Credit
      Agreement and in Section 7 of the Fourth Amendment and Waiver to Credit
      Agreement dated as of March 1, 2005, are true and correct on and as of the
      date
      hereof.

     

    IN
      WITNESS WHEREOF, the undersigned has executed this Certificate as of March
      1,
      2005.

    

    

    

    HEARTLAND
      FINANCIAL USA, INC.

    By:
      /s/
      John K. Schmidt

    Name:
      John K. Schmidt

    Title:
      EVP, CFO, COOexhibit 10 13 third amend

    THIRD
      AMENDMENT AND WAIVER TO CREDIT
      AGREEMENT

        

        THIS
      THIRD
      AMENDMENT AND WAIVER TO CREDIT AGREEMENT (this "Amendment")
      dated as
      of January 30, 2005 is among HEARTLAND FINANCIAL, USA, INC.,
      a
      corporation formed under the laws of the State of Delaware (the "Borrower"),
      each of
      the banks
      party hereto (individually, a "Bank" and collectively, the "Banks")
      and THE
      NORTHERN
      TRUST
      COMPANY, as agent for the Banks (in such capacity, together with its successors
      in such capacity, the "Agent").

     

        WHEREAS,
      the
      Borrower, the Agent and the Banks have entered into a Credit Agreement dated
      as
      of January 31, 2004 (as hereto amended, the "Credit
      Agreement");
      and

     

        WHEREAS,
      the
      Borrower, the Agent and the Banks wish to extend the maturity of the
      Credit
      Agreement;

     

        NOW,
      THEREFORE, for valuable consideration, the receipt and sufficiency of which
      is
      hereby
      acknowledged, the parties hereto agree as follows:

     

        1.  Definitions.
      Terms
      defined in the Credit Agreement and not otherwise defined herein shall have
      the
      respective meanings given to them in the Credit Agreement and terms defined
      in
      the introductory paragraphs or other provisions of this Amendment shall have
      the
      respective meanings attributed to them therein. In addition, the following
      terms
      shall have :the.. following meanings (terms defined in the singular having
      a
      correlative meaning when used in the plural and vice versa):

     

            "Effective
      Date" shall mean January 30, 2005, if (1) this Amendment shall have
      been executed
      and delivered by the Borrower, the Agent and the Banks and (ii) the Borrower
      shall
      have
      performed its obligations under Section
      4 hereof.

     

        2.  Amendment
      to Section 9 of the Credit Agreement.
      The
      definition of "Revolving Credit Commitment Termination Date" is hereby amended
      by
      the
      deletion
      of the date "January 30, 2005" and the substitution of the date "March 1, 2005"
      thereof.

     

        3.  Waiver.
      The
      Banks hereby waives any right to take action as a result of any breach of
Section
      7.5(a)
      of
      the Credit Agreement arising from the incurrence of Indebtedness under
      the
      Agreement to Organize and Stockholder Agreement dated February 1, 2003 and
      the
      Supplemental Initial Investor Agreement dated February 1, 2003.. This waiver
      shall he limited
      to
      its
      terms
      and
      shall not constitute a waiver of any other rights the Agent or the Banks may
      have from time to time.

     

        4.. Conditions
      to Effective Date, The
      occurrence of the Effective Date shall be
      subject
      to the satisfaction of the following conditions precedent:

     

            (a) The
      Borrower, the Agent and the Banks shall have
      executed
      and delivered this Amendment.

     

            (b)  No
      Default shall have occurred and be continuing under the Credit Agreement, and
      the representations and warranties of the Borrower in Section 6 of the Credit
      Agreement and in Section
      7
      hereof
      shall be true and correct on and as of the Effective Date and the Borrower
      shall
      have provided to the Agent a certificate of a senior officer of the Borrower
      to
      that effect.

     

            (c)  Each
      Guarantor shall acknowledge and consent to this Amendment
      for purposes of its Guaranty Agreement as evidenced by its signed
      acknowledgment of this Amendmént on the signature page hereof.

     

            (d)  The
      Borrower shall have delivered to the Agent, on behalf of the Banks, such other
      documents as the Agent may reasonably request.

     

        5.  Effective
      Date Notice.
      Promptly
      following the occurrence of the Effective Date, the Agent shall give notice
      to
      the parties of the occurrence of the Effective Date, which notice shall be
      conclusive, and the parties may rely thereon; provided, that such notice shall
      not waive or
      otherwise limit any right or remedy of the Agent or the Banks arising out of
      any
      failure of any
      condition precedent set forth in Section
      4
      to be
      satisfied.

     

        6.   Ratification.
      The
      parties agree that the Credit Agreement, as amended hereby, and
      the
      notes have not lapsed or terminated, are in full force and effect, and are
      and
      from and
      after.,
      the Effective Date shall remain binding in accordance with their
      terms.

     

        7.  Representations
      and Warranties.
      The
      Borrower represents and warrants to the
      Agent
      and the Banks that:

     

            (a)  No
      Breach.
      The
      execution, delivery and performance of this Amendment will not conflict with
      or
      result in a breach of, or cause the creation of a Lien or require any consent
      under, the articles of incorporation or bylaws of the Borrower, or any
      applicable law or regulation, or any order, injunction or decree of any court
      or
      governmental
      authority or agency, or any agreement or instrument to which the Borrower is
      a
      party or by which it or its property is bound.

     

            (b)  Power
      and Action, Binding Effect.
      The
      Borrower has been duly incorporated and is validly existing as a corporation
      under the laws of the State of Delaware and has all necessary power and
      authority to execute, deliver and perform its obligations under this Amendment
      and the Credit Agreement, as amended by this Amendment; the execution, delivery
      and performance by the Borrower of this Amendment and the Credit Agreement,
      as
      amended by this Amendment, have been duly authorized by all necessary action
      on
      its part; and this
      Amendment and the Credit Agreement, as amended by this Amendment,
      have
      been.
      duly and validly executed and
      delivered
      by the Borrower and constitute. legal, valid and binding obligations,
      enforceable in accordance with their respective terms.

     

            (c)  Approvals.
      No
      authorizations, approvals or consents of, and no filings or registrations with,
      any governmental or regulatory authority or agency
      or
      any other person are necessary for the execution, delivery or performance
      by the Borrower of this Amendment or the Credit Agreement, as
      amended
      by this Amendment, or for the validity or enforceability thereof.

     

        8.  Successors
      and Assigns.
      This
      Amendment shall be binding upon and inure to the
      benefit
      of the Borrower, the Agent and the Banks and their respective successors and
      assigns, except that the Borrower may not transfer or assign any of its rights
      or interest hereunder.

     

        9.  Governing
      Law.
      This Amendment shall be governed by, and construed and interpreted
      in accordance with, the internal laws of the State of
      Illinois.

     

        10.  Counterparts.
      This
      Amendment may be executed in any number of counterparts
      and each
      party hereto may execute any one or more of such counterparts, all of which
      shall constitute
      one and the same instrument. Delivery of an executed counterpart of a signature
      page
      to this
      Amendment by telecopy shall be as effective as delivery of a manually executed
      counterpart of this amendment.

     

        11.  Expenses.
      Whether
      or not the effective date shall occur, without limiting the obligations of
      the
      Borrower under the Credit Agreement, the Borrower agrees to pay, or to reimburse
      on demand, all reasonable costs and expenses incurred by the Agent in connection
      with
      the
      negotiation, preparation, execution, delivery, modification, amendment or
      enforcement of
      this
      Amendment, the Credit Agreement and the other agreements, documents and
      instruments
      referred
      to herein, including the reasonable fees and expenses of Mayer, Brown, Rowe
      & Maw LLP, special counsel to the Agent, and any other counsel engaged by
      the Agent.

    

     

    [Signature
      Page Follows]

     

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    IN
      WITNESS WHEREOF, this Amendment has been executed as of the date first
      above
      written.

    

    HEARTLAND
      FINANCIAL USA, INC.

    By:
      /s/
      John K. Schmidt

    Name:
      John K. Schmidt

    Title:
      EVP, CFO, COO

    

    THE
      NORTHERN TRUST COMPANY,

    As
      Agent

    

    By:
      /s/
      Thomas E. Bernhardt

    Name:
      Thomas E. Bernhardt

    Title:
      Vice President

    

    BANKS:

    

    THE
      NORTHERN TRUST COMPANY

    By:
      /s/
      Thomas E. Bernhardt

    Name:
      Thomas E. Bernhardt

    Title:
      Vice President

    

    HARRIS
      TRUST
      AND SAVINGS BANK

    By:
      /s/
      Michael S. Cameli

    Name:
      Michael S. Cameli

    Title:
      Vice President

    

    U.S.
      BANK NATIONAL ASSOCIATION

    By:
      /s/
      Jay Strunk

    Name:
      Jay
      Strunk

    Title:
      Assistant Vice President

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    GUARANTOR
      ACKNOWLEDGEMENT

    

    Each
      of
      the undersigned Guarantors hereby acknowledges and consents to the Borrower’s
      execution of this Amendment.

    

    

    CITIZENS
      FINANCE CO.    ULTEA,
      INC.

    By:
      /s/
      John K. Schmidt    By:
      /s/
      John K. Schmidt

    Title:
      Treasurer     Title:
      Treasurer

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    CERTIFICATE

    

     

    The
      undersigned as Executive Vice President, Chief Financial Officer and Chief
      Operating Officer of Heartland Financial USA, Inc., hereby certifies as
      follows:

     

    1.  No
      Default, as defined in the Credit Agreement among Heartland Financial
      USA,
      Inc.
      (the "Borrower"), certain banks and The Northern Trust Company as agent, as
      amended ("Credit Agreement") has occurred and is continuing.

    

    2.  The
      representations and warranties of the Borrower in Section 6 of the Credit
      Agreement and in Section 7 of the Fourth Amendment and Waiver to Credit
      Agreement dated as of March 1, 2005, are true and correct on and as of the
      date
      hereof.

     

    IN
      WITNESS WHEREOF, the undersigned has executed this Certificate as of March
      1,
      2005.

    

    

    

    HEARTLAND
      FINANCIAL USA, INC.

    By:
      /s/
      John K. Schmidt

    Name:
      John K. Schmidt

    Title:
      EVP, CFO, COO

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