Document:

exhibit 10 15 fourth amend

    FOURTH
      AMENDMENT AND WAIVER TO CREDIT AGREEMENT

     

        THIS
      FOURTH
      AMENDMENT TO CREDIT AGREEMENT (this "Amendment")
      dated as
      of March 1, 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 and make certain other amendments to 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 March 1, 2005, 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
      4
      hereof.

     

        2.  Return
      on Assets. Section 7.4(e)
      of the
      Credit Agreement is hereby amended to
      state in
      its entirety as follows:

     

        "(e)
      Return
      on Average Assets -Borrower.
      The
      Borrower's consolidated income shall be
      at
      least 0.70% of its average assets, calculated as at the last day of each fiscal
      quarter for the
      four
      fiscal quarter period ending on that date."

     

        3.  Indebtedness. Section
      7.5
      of the
      Credit Agreement is hereby amended to state in its entirety as
      follows:

     

            "7.5
      Indebtedness,
      Liens And Taxes,
      The
      Borrower and each Subsidiary shall:

     

        (a)
      Indebtedness,.
      Not
      incur, permit to remain outstanding, assume or in any way become committed
      for
      Indebtedness (specifically including but not limited to Indebtedness in respect
      of money borrowed from financial institutions but excluding deposits), except:
      (i) in the case of the Borrower, Indebtedness incurred hereunder, and in the
      case of the Guarantors, under their respective Guaranty Agreement; (ii)
      Indebtedness existing on the date of this Agreement and described on
Schedule
      7.5(a) hereof;
      (iii) Indebtedness of any Subsidiary arising in the ordinary course
      of
      the business of such Subsidiary; (iv) in the case of ULTEA, the US Bank
      Indebtedness outstanding on the date hereof in the principal amount of
      $11,418,871.69, less the aggregate amount of all repayments thereunder after
      the
      date of this Agreement; (v) in the case of CFC, Indebtedness under commercial
      paper issued by CFC which, together with any other commercial paper identified
      on Schedule
      7,5(a)
      hereto,
      shall not exceed an aggregate principal amount of $20,000,000; (vu) in the
      case
      of the Borrower, Trust Indebtedness and Trust Guarantees, and in the case of
      any
      Trust Issuer, Trust Preferred Securities, provided,
      that the
      aggregate of such Trust Indebtedness (and the related Trust Guarantees and
      Trust
      Preferred Securities) shall not
      exceed
      $88,000,000 at any time outstanding; (vii) in the event any transfer or
      contribution of accounts receivable of ULTEA to a special purpose vehicle in
      accordance with Section
      7,1(d
      is
      deemed to constitute a secured financing, Indebtedness of ULTEA to such special
      purpose vehicle, secured by the account receivables and related rights
      transferred to such special purpose vehicle only (the "Factored
      Receivables"), provided,
      that
      such Indebtedness shall not exceed an amount equal to $30,000,000 in the
      aggregate during the term of this Agreement; (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 6f funding building improvements; (ix) in the case
      of
      the Borrower, Indebtedness in an aggregate amount not in excess of $2,750,000
      under the Agreement to Organize and Stockholder Agreement dated February 1,
      2003
      and the Supplemental Initial Investor Agreement dated February I, 2003 and
      (x)
      additional Indebtedness not to exceed $1,000,00 at any time
      outstanding.

     

        4.     Revolving
      Credit Termination Date.
      The
      definition of "Revolving Credit Commitment Termination Date" is hereby amended
      by the deletion of the date "March 1, 2005" and the substitution of the date
      "February 28, 2006" thereof. 

     

        5.     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.

     

            (e)  
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.

     

        6.    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
      5
      to be
      satisfied.

     

        7.      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.

     

        8.     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.

     

        9.    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.

     

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

     

        11.    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.

     

        12.    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, modi e Lion, 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, COOexhibit 10 18 fifth amend

    FIFTH
      AMENDMENT AND WAIVER TO CREDIT AGREEMENT

     

        THIS
      FIFTH
      AMENDMENT TO CREDIT AGREEMENT (this "Amendment")
      dated as
      of July I8, 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 OMPANY, 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 make certain amendments to 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 July 18, 2005, if (i) this Amendment shall have been
executed
      and delivered by the Borrowers the Agent and the Banks and (ii) the Borrower
      shall
      have
      performed its obligations under Section
      5
      hereof.

    

    2.  Indebtedness. !Section
      7.5
      of the
      Credit Agreement is hereby amended to state in
      its
      entirety as follows:

    

    "7,5
      Indebtedness,
      Liens And Taxes,
      The
      Borrower and each Subsidiary shall:

    

    (a)
      Indebtedness,
      Not
      incur, permit to remain outstanding, assume or in any way become committed
      for
      Indebtedness (specifically including but not limited to Indebtedness in respect
      of money borrowed from financial institutions but excluding deposits), except:
      (i) in the case of the Borrower, Indebtedness incurred hereunder, and in the
      case of the Guarantors, under their respective Guaranty Agreement; (ii)
      Indebtedness existing on the date of this Agreement and described on
Schedule
      7.5(a)
      hereof;
      (iii) Indebtedness of any Subsidiary arising in the ordinary course of the
      business of such Subsidiary; (iv) Indebtedness of any Subsidiary to the Borrower
      or any other Subsidiary; .(v) in the case of ULTEA, the US Bank Indebtedness
      outstanding on the date hereof in the principal amount of $11,418,871.69, less
      the aggregate amount of all repayments thereunder after the date of this
      Agreement; (vi). in. the case of CFC, Indebtedness under commercial paper issued
      by CFC which, together with any other commercial paper identified on
Schedule
      7.5(a),
      hereto,
      shall not exceed an aggregate principal amount of $20,000,000; (vii) in the
      case
      of the Borrower, Trust Indebtedness and Trust Guarantees, and in the ease of
      any
      Trust Issuer, Trust Preferred Securities, provided,
      that the
      aggregate of such Trust Indebtedness (and the related Trust Guarantees and
      Trust
      Preferred Securities) shall not exceed $88,000,000 at any time outstanding;
      (viii) in the event any transfer or contribution of accounts receivable of
      ULTEA
      to a special purpose vehicle in accordance with Section
      7.1(d)
      is
      deemed to constitute a secured financing, Indebtedness of ULTEA to such special
      purpose vehicle, secured by the account receivables and related rights
      transferred to such special purpose vehicle only (the "Factored
      Receivables"), provided,
      that
      such Indebtedness shall not exceed an amount equal to $30,000,000 in
      the
      aggregate during the term of this Agreement; (ix) 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; (x) in the case of the Borrower, Indebtedness
      in
      an aggregate amount not in excess of $2,750,000 under the Agreement to Organize
      and Stockholder Agreement dated February 1, 2003 and the Supplemental Initial
      Investor Agreement dated February 1, 2003 and (xi) additional Indebtedness
      not
      to exceed $1,000,000 at any time outstanding."

     

    3.. Investments
      and Loans.
      Section
      7.6 of the Credit Agreement is hereby amended to state in its entirety as
      follows:

     

    "7.6
      Investments
      and Loans.
      Neither
      the Borrower nor any
      Subsidiary
      shall make any loan, advance, extension of credit or capital contribution to,
      or
      purchase or otherwise acquire for a consideration, evidences of Indebtedness,
      capital stock or other securities of any Person, except that the Borrower and
      any Subsidiary may:

     

    (a)  purchase
      or otherwise acquire and own short-term money market
      items
(specifically
      including but not limited to preferred. stock mutual
      funds);

     

    (b)  invest,
      by way of purchase of securities or
      capital
      contributions, in the Subsidiary Banks or any other bank or banks, and upon
      the
      Borrower's purchase or other acquisition of fifty percent (50%) or more of
      the
      stock of any bank, such bank shall thereupon become a "Subsidiary Bank" for
      all
      purposes under this Agreement;

     

    (c)  invest,
      by way of loan, advance, extension of credit (whether in the form of lease,
      conditional sales agreement, or otherwise), purchase of securities, capital
      contributions, or otherwise, in Subsidiaries other than banks or
      Subsidiary
      Banks, except that in no event shall the Borrower's aggregate equity investment
      in CFC and ULTEA exceed 15% of its Tangible Net Worth;

     

    (d)  invest,
      by way of purchase of securities or capital contributions, in other Persons
      so
      long as before and giving effect thereto no Default shall have occurred and
      be
      continuing and the investment is in compliance with the Bank Holding Company
      Act
      of 1956, as amended, and the existing regulations of the Board of Governors
      of
      the Federal Reserve System relating to bank holding companies;

     

    (e)  make
      any
      investment permitted by applicable governmental laws and
      regulations;

     

    (f)  with
      respect to DBT, issue a letter of credit for the benefit of the city of Dubuque
      for the purposes permitted in Section
      7.5(d)
      hereof;
      and

     

    (g)  in
      the
      case of any Trust Issuer, purchase any Trust Indebtedness and, in the case
      of
      the Borrower, purchase any common securities of any Trust Issuer and issue
      any
      Trust Guarantees (in each case, in accordance with the other applicable
      provisions of this Agreement)..

    

    Nothing
      in this Section
      7.6
      shall
      prohibit the Borrower or any Subsidiary Bank from making loans, advances, or
      other extensions of credit in the ordinary course of banking upon substantially
      the same terms as heretofore extended by them in such business or upon such
      terms as may at the time be customary in the banking business."

    

    4.  Waiver,
      The
      Banks hereby waive any rights they may have to take action arising from any
      breach by the Borrower, prior to
      the
      effectiveness of this Amendment, of its obligations under Sections
      .7.5
      and 7,6
      of the Credit Agreement, so long as such breach shall not be continuing after
      giving
      effect
      to
      this Amendment. This. waiver shall be limited to its terms and shall not
      constitute a waiver of any other. rights the Banks may have from time to
      time.

     

    5.  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 Majority Banks shall have executed and delivered
      this Amendment,

    

    (b)  After
      giving effect to the waiver in Section
      4
      above,
      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.

    

    6.    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
      5
      to be
      satisfied.

    

    7.     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.

    

    8.    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.

    

    9.    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.

    

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

    

    11. 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.

     

    12. 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/
      Lisa McDermott

    Name:
      Lisa McDermott

    Title:
      Vice President

    

    BANKS:

    

    THE
      NORTHERN TRUST COMPANY

    By:
      /s/
      Lisa McDermott

    Name:
      Lisa McDermott

    Title:
      Vice President

    

    HARRIS
      N.A. (successor
      by merger with Harris Trust and 

    Savings
      Bank)

    By:
      /s/
      Thomas J. Wilson

    Name:
      Thomas J. Wilson

    Title:
      Vice President

    

    U.S.
      BANK NATIONAL ASSOCIATION

    By:
      /s/
      Neil J. Havlik

    Name:
      Neil J. Havlik

    Title:
      Correspondent Officer

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    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

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00099-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00099-of-00352.parquet"}]]