Heartland Financial USA Inc. Depositary Shares each representing a 1/400th ownership interest in a share of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series E

Heartland Financial USA Inc. is a financial institution that offers depositary shares, each representing a 1/400th ownership interest in a share of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series E. As a preferred stock, it provides investors with a fixed dividend payment and the potential for capital appreciation. Investors may find this investment opportunity attractive due to its steady income stream and potential for growth in a changing market environment.