On the preceding pages, you have seen some examples of our customer service in action, read about the goals and achievements of our lines of business and learned how we expect our investments and initiatives to generate revenue growth and strengthen U.S. Bancorp. Now, we invite you to examine more closely management's discussion and analysis of our ongoing operations and U.S. Bancorp's financial results for the year 2004.
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FORWARD-LOOKING STATEMENTS This Annual Report and Form