FlexPerks named “Best Card” by xiuliliaofz


									         U.S. Bancorp
                                                                                               2009 Fourth Quarter

Today                                                                                          Statistics
                                                                                               U.S. Bancorp Achieves Record Total
                                                                                               Net Revenue of $4.4 Billion
                                                                                               Ranking                    U.S. Bank is 5th largest
                                                                                                                          U.S. commercial bank
                                                                                               Asset size                          $281 billion
                                                                                               Deposits                            $183 billion
                                                                                               Loans                               $195 billion
                                                                                               Earnings per common
                                                                                                 share (diluted)                   $.30
                                                                                               Return on average assets            .86%
                                                                                               Return on average
                                                                                                 common equity                     9.6%
                                                                                               Customers                           15.8 million
                                                                                               Payment services and
Bank with a financial partner that’s strong and stable, safe and sound —                         merchant processing               International
that’s U.S. Bank. Throughout this difficult economic environment, U.S. Bank has continued      Wholesale banking and
                                                                                                 trust services                    National
to focus on customer service, lending money to our customers and offering                      Consumer and
                                                                                                 business banking                  24 states
the best financial services in the industry. We’re honored by the many accolades
                                                                                               Bank branches                       3,015
U.S. Bank has received in the past year for our prudent, responsible way of doing              ATMs                                5,148
business — putting the customer first, strengthening our bank and investing                    NYSE symbol                         USB
in the products and services you, your family and your business want and need. We lead         At quarter-end, December 31, 2009

among our peer banks in many key measurements of bank performance and
soundness. All of US are working to help see our customers, our
communities and our nation back on solid footing with
unlimited opportunity and optimism again.

FlexPerks named “Best Card”
The U.S. Bank FlexPerks Travel Rewards         150 airlines with no blackout dates, capacity
Visa Signature® credit card was named the      controls or award e-ticket redemption
“Best Credit Card if You Want Travel           fees, plus baggage allowances. Cardholders
Perks” by Kiplinger’s Personal Finance in      earn one FlexPoint for each dollar spent
its December 2009 “Best List” issue.           using their FlexPerks Travel Rewards card.

FlexPerks was chosen for its travel rewards    Customers have the flexibility to choose
that allow customers to earn points toward     the rewards they want with FlexPerks. In
free flights — which can be redeemed with      addition to travel, customers can earn
as few as 20,000 FlexPointsSM for airline      cash back, merchandise or gift cards when
tickets valued up to $400 on more than         they use their FlexPerks cards.
U.S. Bancorp
Pride Points
U.S. Bancorp named one of America’s most                 Elavon, U.S. Bank’s global acquiring payments           U.S. Bancorp was ranked number one in the
reputable companies, Reputation                          solutions subsidiary, ranks fourth among North          nation for the fourth consecutive year in 2009
Institute’s Global Reputation Pulse 2009                 America acquirers, processing 2 billion                 as the “Top Banking Team” by U.S. Banker
                                                         transactions annually worth almost                      magazine as part of its annual ranking of
5th largest U.S. commercial bank                         $200 billion                                            The 25 Most Powerful Women
U.S. Bancorp named one of the world’s                                                                            in Banking
                                                         2nd largest fleet card provider
most admired companies — ranked                                                                                             Workplaces for
                                                                                                                 Received “Best
number four in the U.S. super regional bank              U.S. Bancorp on Barron’s “Most
                                                                                                                 Commuters” awards in 11 of our major
category, Fortune magazine, April 2009                   Respected Companies” list,                              metropolitan markets from the Environmental
                                                         (January 2009)
U.S. Bank is the number one most trusted                                                                         Protection Agency (EPA) and Department of
bank for consumer privacy as ranked by the               2nd largest purchasing card provider                    Transportation (DOT) for corporate employee
Ponemon Institute — for four years in a row                                                                      programs to encourage use of public
                                                         Winner of “Best Bank in United                          transportation
Largest issuer of Visa® gift cards — more than           States” in the Euromoney magazine Awards
30 million to date                                       for Excellence, June 2009                               3rd largest Visa corporate card provider
Highest ranked large commercial                          Largest network of In-store                             U.S. Bank Manifest Funding Services was
bank in Forrester’s 2009 Customer                        and On-site branches with                               awarded the 2009 Broker’s Choice
Experience survey                                        789 branches in grocery stores, university              Award by the Monitor equipment leasing
                                                         and workplace campuses                                  trade publication based on ethics, integrity and
U.S. Bancorp rated highest in the                                                                                excellence in honoring commitments
large-cap bank category for America’s most               First major bank to offer reduced-rate
shareholder-friendly companies, Institutional            auto loans on EPA-certified “Smart Way”                 5th largest mortgage originator in the
Investor magazine, March 2009                            vehicles                                                U.S. in 2009

U.S Bank ranked second among                             U.S. Bank receives “Patriot Award”
Small Business Administration lenders (SBA)              from the Department of Defense for our support
nationally in loan dollar volume and third in            of employee participation in the National Guard
total loans funded in fiscal 2009.                       and Reserve Forces

Global Finance (February 25, 2009) ranks
U.S. Bancorp one of safest banks in
the world

S.T.A.R.T. savings program to go national
U.S. Bank is rolling out a new savings program that arrives just in time for         S.T.A.R.T. allows customers to regularly transfer money into a savings
the thousands of Americans who resolve to save more money in 2010.                   account and to earn rewards when they reach certain savings milestones.
                                                                                     Customers choose how they want to contribute and how much they want
U.S. Bank’s Savings Today And Rewards TomorrowTM or S.T.A.R.T. program
                                                                                     save. To accelerate the savings, customers can also automatically sweep
successfully launched new savings goals and plans for thousands of
                                                                                     into their S.T.A.R.T. account the cash they earn through their FlexPerks
individuals who signed up in the pilot program in Seattle, Cincinnati and
                                                                                     rewards program.
Joplin/Springfield, Mo. in 2009.
                                                                                     Savers are congratulated with a $50 U.S. Bank Rewards Visa Card when
                                                                                     savings balances build to $1,000, and if they maintain that balance for one
                                                                                     year, they will earn another $50 Rewards Visa Card from U.S. Bank to use
                                                                                     as they wish.
                                                   U.S. Bank supports its military employees
                                                   and their families
                                                   U.S. Bank pledges its support for its military employees through its participation in
                                                   the Employer Support of the Guard and Reserve (ESGR) Statement of Support Program.
                                                   The ESGR, a Department of Defense organization, has created this program to inform
                                                   and educate employers about their rights and responsibilities toward employees who
                                                   serve in the National Guard and Reserve, and to recognize and reward employers who
                                                   go beyond the requirements of the law.

                                                   Richard Davis, chairman, president and chief executive officer for U.S. Bank’s parent
                                                   company, U.S. Bancorp, signed the ESGR statement November 13. The ESGR Statement
                                                   of Support pledges that U.S. Bank recognizes and enforces the Uniformed Services
                                                   Employment and Re-Employment Rights Act, that U.S. Bank managers and supervisors
                                                   will have the tools they need to effectively manage employees who serve in the Guard
                                                   and Reserve and that it will support service members and their families in peace, in
                                                   crises and in war.

                                                   Also in November, U.S. Bank received the “Patriot Award” from the United States
                                                   Department of Defense. The Department of Defense gives the Patriot Award to
                                                   corporations who support employee participation in the National Guard
                                                   and Reserve Forces.

                                                   U.S. Bank wins an OSCARD!
                                                   U.S. Bank, the nation’s top issuer of Visa prepaid
                                                   cards, was honored with a prestigious OSCARD
                                                   award for our ReliaCard Visa at an awards ceremony
                                                   in Paris on December 21, 2009. The OSCARDS
                                                   recognize international excellence in card innovation.              DIVERSIFIED REVENUE MIX
                                                   The U.S. Bank ReliaCard Visa was selected as the                    Revenue by business line 4Q09 YTD
                                                   winner in the Services category. Overall, more than
                                                   500 cards were in competition for the 2009 OSCARDS.

U.S. Bank expands                                  U.S. Bank currently partners with almost 30 government                      44%

                                                   agencies to issue nearly two million ReliaCards as a                                    20%
FlexPerks program                                  solution for their disbursement needs. The U.S. Bank                              10%

U.S. Bank is harnessing the success of its         ReliaCard Visa is a reloadable card designed to replace
FlexPerksSM Visa card rewards program and          costly paper checks for government agencies with                      •   Payment Services

expanding FlexPerks to its broader portfolio of    recurring cash and check disbursement activities.                     •   Wholesale Banking

credit and check card products. Consumers and
                                                                                                                         •   Wealth Management
                                                                                                                             & Securities Services
small businesses can now enroll in FlexPerks to                                                                          •   Consumer Banking

earn more valuable rewards — including cash
back — and combine rewards earned on their

credit and check cards. FlexPerks gives cus-
tomers the flexibility to choose the reward they
want, whether it’s cash, travel, merchandise,
gift cards or statement credits. Consumers
and small businesses can use FlexPerks credit                                 U.S. Bank creates new jobs
and check cards to earn a number of cash
back options.                                                                 U.S. Bank will add 50 jobs in Bowling Green, Kentucky in 2010 at our
                                                                              3170 Louisville Road Mortgage Operations Center. The expansion will
                                                                              increase the number of employees to more than 200 in the area.

                                                                              U.S. Bank will also open a new service center in Overland Park, Kansas.
                                                                              Hiring is expected to begin in the second quarter 2010 for 1,100 new jobs.
  U.S. Bank
  Receives $95 million in tax credit
  to improve communities
  USBCDE, LLC, U.S. Bank’s Community Development Entity (CDE), recently received
  $95 million in New Markets Tax Credit (NMTC) allocation authority from the U.S.
  Treasury’s Community Development Financial Institutions Fund (CDFI Fund), bringing
  its total allocation awards to date to $435 million. With this allocation, USBCDE will
  continue to support its financing activities to for-profit and non-profit operating
  businesses and developers of mixed-use real estate, including office, industrial, retail
  and community facilities in distressed and underserved areas in low income
  communities throughout the nation.

  Lines of Business                                                                                                                             U.S. Bancorp Business Scope

   Payment Services                                                              Wealth Management &                                            Regional

– Corporate Payment Systems                                                      Securities Services                                            Consumer & Business Banking
                                                                                                                                                & Wealth Management

– Elavon: Credit, Debit, Electronic Check                                        Wealth Management:
  and Gift Card Merchant Processing                                          – The Private Client Reserve
– Retail Payment Solutions: Debit, Credit,                                   – U.S. Bancorp Investments, Inc.
  Small Business, Gift and Specialty Card
                                                                             – U.S. Bancorp Insurance Services, LLC
– Healthcare Payment Solutions                                                   Securities Services:
– Financial Institution services                                             –   Corporate Trust Services

– Treasury Management                                                        –   Institutional Trust & Custody
                                                                             –   FAF Advisors, Inc.
                                                                                                                                                 Wholesale Banking & Trust Services
   Wholesale Banking                                                         –   U.S. Bancorp Fund Services, LLC
– National Corporate Banking
– Middle Market Commercial Banking
                                                                                 Consumer Banking
                                                                             – Community Banking
– Commercial Real Estate
                                                                             – Metropolitan Branch Banking
– Correspondent Banking
                                                                             – In-store and Corporate On-site Banking
– Dealer Commercial Services
                                                                             – Small Business Banking
– Community Banking
                                                                             – Consumer Lending
– Foreign Exchange                                                                                                                               International
                                                                             – 24-Hour Banking & Financial Sales                                 Payments
– Government Banking
                                                                             – The Private Client Group
– International Banking
                                                                             – Home Mortgage
– Treasury Management
                                                                             – Community Development
– Small Business Equipment Finance
                                                                             – Workplace and Student Banking
– Small Business Administration (SBA) Division
                                                                             – Transactions Services: ATM and
– Specialized Industries and Finance
                                                                               Debit Processing and Services
– Title Industry Banking
– Homeowners Association Banking

    Investment products and services are available through U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment
    advisor and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.
    Insurance products, including annuities, are available through U.S. Bancorp Insurance Services, LLC, U.S. Bancorp Investments, Inc.,
    in Montana U.S. Bancorp Insurance Services of Montana, Inc., and in Wyoming U.S. Bancorp Insurance & Investments, Inc.
    All are licensed insurance agencies and subsidiaries of U.S. Bancorp and affiliates of U.S. Bank. Policies are underwritten by
    unaffiliated insurance companies and may not be available in all states. CA Agency Number OE24641.

  U.S. Bank is not responsible for and does not guarantee the products, services, performance or obligations of its affiliates.

  Investment and Insurance products are:
                                                                                                                                                Deposit Products offered by U.S. Bank NA, Member FDIC
          NOT A DEPOSIT                        NOT FDIC INSURED
                                                                                                                                                U.S. Bancorp, including each of our subsidiaries, is an
          NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY                                                                                          Equal Opportunity Employer and a Drug-Free Workplace.
                                                                                                                                  40371 Q4/09   usbank.com

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