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We consent to the incorporation by reference in the registration statements (Nos. 333-233121, 333-266634, and 333-266629) on Form S-3; (Nos. 333-231711 and 333-238555) on Form S-8; and (Nos. 333-216919, 333-222169, 333-223763, 333-230060, and 333-238459) on Form S-4 of our reports dated February 23, 2024, with respect to the consolidated financial statements of Heartland Financial USA, Inc. and the effectiveness of internal control over financial reporting.