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U.S. Bank 1 U.S. BankGoldman Sachs U.S. Financial Services Conference 2022 Terry Dolan Vice Chair and Chief Financial OfficerDecember 7, 2022 Andy Cecere Chairman, President and Chief Executive Officer
U.S. Bank 1 U.S. BankGoldman Sachs U.S. Financial Services Conference 2022
Vice Chair and Chief Financial OfficerDecember 7, 2022
Chairman, President and Chief Executive OfficerU.S. Bank 2Thefollowing information appears inaccordance withthePrivate Securities Litigation Reform Actof1995:
This 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 often usewords such as“anticipates,” “targets,” “expects,”
“hopes,” “estimates,” “projects,” “forecasts,” “intends,” “plans,” “goals,” “believes,” “continue” andother similar expressions orfuture orconditional verbs such as“will,” “may,” “might,” “should,”
“would” and“could. ”
Forward -looking statements involve inherent risks anduncertainties, including thefollowing risks anduncertainties andtherisks anduncertainties more fullydiscussed inthesection entitled “Risk
Factors” ofExhibit 13toU.S.Bancorp’s Annual Report onForm 10-Kfortheyear ended December 31,2021, which could cause actual results todiffer materially from those anticipated.
Deterioration ingeneral business andeconomic conditions orturbulence indomestic orglobal financial markets could adversely affect U.S.Bancorp’s revenues andthevalues ofitsassets and
liabilities, reduce theavailability offunding tocertain financial institutions, lead toatightening ofcredit, andincrease stock price volatility .Inaddition, changes tostatutes, regulations, orregulatory
policies orpractices, and U.S.Bancorp’s ability toaddress orsatisfy those requirements and other requirements orconditions imposed byregulatory entities, could affect U.S.Bancorp in
substantial andunpredictable ways .U.S.Bancorp’s results could also beadversely affected bychanges ininterest rates ;theimpacts oftheCOVID -19pandemic onitsbusiness, financial position,
results ofoperations, liquidity and prospects ;increases inunemployment rates ;deterioration inthecredit quality ofitsloan portfolios orinthevalue ofthecollateral securing those loans ;
deterioration inthevalue ofitsinvestment securities ;legal and regulatory developments ;litigation ;increased competition from both banks andnon-banks ;civil unrest ;theeffects ofclimate
change; changes incustomer behavior andpreferences ;breaches indata security, including asaresult ofwork -from-home arrangements ;failures tosafeguard personal information; theimpacts
ofinternational hostilities orgeopolitical events ;impacts ofsupply chain disruptions andrising inflation ;effects ofmergers andacquisitions andrelated integration ;effects ofcritical accounting
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