Exhibit 10.21 SECOND AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT THIS SECOND AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT (this "Amendment") dated as of October 31, 2001, is by and between HEARTLAND FINANCIAL USA, INC., a...Credit Agreement • November 14th, 2001 • Heartland Financial Usa Inc • Savings institution, federally chartered • Illinois
