Exhibit 10.24 Agreement to Organize and Stockholder Agreement This Agreement to Organize and Stockholder Agreement (this "Agreement") dated as of February 1, 2003, is among Heartland Financial USA, Inc., a Delaware corporation (the "Company"), and...Stockholder Agreement • March 26th, 2003 • Heartland Financial Usa Inc • State commercial banks • Iowa
Exhibit 10.25 SUPPLEMENTAL INITIAL INVESTOR AGREEMENT This Supplemental Initial Investor Agreement (this "Agreement") dated as of February 1, 2003, is among Heartland Financial USA, Inc., a Delaware corporation (the "Company"), and those individuals...Supplemental Initial Investor Agreement • March 26th, 2003 • Heartland Financial Usa Inc • State commercial banks • Iowa
