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U.S. BANCORPGoldman Sachs U.S. Financial Services Conference 2021 December 8, 2021Andy Cecere Chairman, President and Chief Executive Officer Terry Dolan Vice Chair and Chief Financial Officer
U.S. BANCORPGoldman Sachs
U.S. Financial Services Conference 2021
December 8, 2021Andy Cecere
Chairman, President and Chief Executive Officer
Vice Chair and Chief Financial Officer2 U.S. BANCORP |
Thefollowing information appears inaccordance withthePrivate Securities Litigation Reform Actof1995:
Today’s presentation contains forward- looking statements about U.S.Bancorp. Statements thatarenothistorical orcurrent facts, including statements about beliefs
andexpectations, areforward -looking statements andarebased ontheinformation available to,andassumptions andestimates made by,management asofthedate
hereof .These forward- looking statements cover, among other things, anticipated future revenue andexpenses andthefuture plans andprospects ofU.S.Bancorp.
Forward -looking statements involve inherent risks anduncertainties, andimportant factors could cause actual results todiffer materially from those anticipated. The
COVID -19pandemic isadversely affecting U.S.Bancorp, itscustomers, counterparties, employees, andthird-party service providers, andtheultimate extent ofthe
impacts onitsbusiness, financial position, results ofoperations, liquidity, and prospects isuncertain. Continued deterioration ingeneral business and economic
conditions orturbulence indomestic orglobal financial markets could adversely affect U.S.Bancorp’s revenues andthevalues ofitsassets andliabilities, reduce the
availability offunding tocertain financial institutions, lead toatightening ofcredit, andincrease stock price volatility .Inaddition, changes tostatutes, regulations, or
regulatory policies orpractices could affect U.S.Bancorp insubstantial andunpredictable ways .U.S.Bancorp’s results could also beadversely affected bychanges in
interest rates ;further increases inunemployment rates ;deterioration inthecredit quality ofitsloan portfolios orinthevalue ofthecollateral securing those loans ;
deterioration inthevalue ofitsinvestment securities ;legal andregulatory developments ;litigation ;increased competition from both banks andnon-banks ;civilunrest ;
changes incustomer behavior and preferences ;breaches indata security, including asaresult ofwork -from-home arrangements ;failures tosafeguard personal
information; effects ofmergers andacquisitions andrelated integration; effects ofcritical accounting policies andjudgments ;andmanagement’s ability toeffectively
manage credit risk, market risk, operational risk, compliance risk, strategic risk, interest raterisk, liquidity riskandreputation risk.Inaddition, U.S.Bancorp’s proposed
acquisition ofMUFG Union Bank presents risks anduncertainties, including, among others :theriskthatthecost savings, anyrevenue synergies andother anticipated
benefits oftheproposed acquisition may notberealized ormay take longer than anticipated toberealized; theriskthatU.S.Bancorp’s business could bedisrupted as
aresult oftheannouncement andpendency oftheproposed acquisition anddiversion ofmanagement’s attention from ongoing business operations andopportunities ;
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