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Five U.S. Bank Branches to Open This Spring inside Smith's Stores in Utah

SALT LAKE CITY, Apr 23, 2004 (BUSINESS WIRE) -- U.S. Bancorp (NYSE:USB)

U.S. Bank will open four in-store branches inside Smith's Food & Drug stores in Utah on Monday, April 26. A fifth branch will open inside Smith's stores in May. This will make a total of 15 U.S. Bank full service in-store branches inside Smith's stores in Utah.

A grand opening celebration will take place inside four of the branches on April 26. Visitors will have the opportunity to win a $250 Smith's gift card (see entry form for contest rules). Smith's gift cards will be awarded to people who open a new U.S. Bank account or request an investment and insurance profile, a financial consultation or open a home equity loan or line. There will also be scratch-and-win prize giveaways all day.

The openings of these five branches extends U.S. Bank's presence in Utah to 42 full-service branches and 105 ATMs, providing customers with the third largest banking network in the state. U.S. Bank has 90 ATMs in Utah, 24 traditional branches in Utah, including one at C.R. England in Salt Lake City, one in Park City, three in southern Utah, three in-store branches inside SuperTarget stores in the Salt Lake City metropolitan area and 15 new branches inside Smith's in Utah.

    The following in-store branches will open on April 26:

    --  4275 Harrison Blvd., Ogden; Lyle Hansen, branch manager;

    --  632 South 100 West, Payson; Nathanael Colby, branch manager;

    --  210 East 700 South, Pleasant Grove; Jackie Fullmer, branch
        manager; and

    --  951 West 1700 South, Syracuse; Corey Moss, branch manager.

The U.S. Bank in-store branch at 665 West 5300 South, Murray, will open in May and will be led by Jeff Fox, branch manager.

Branch managers have also been announced for the ten U.S. Bank in-store branches that opened in Utah in late March:

    --  Tim Anderson, 156 South Main Street, Brigham City;

    --  Darrell Wright, 600 South Main Street, Cedar City;

    --  Julie Quintana, 212 East 12300 South, Draper;

    --  Shane Clevenger, 550 North Main Street, Heber City;

    --  Brennan Wood, 1485 Harrison Blvd., Ogden;

    --  Craig Peterson, 350 North Freedom Boulevard, Provo;

    --  David Soper, 4065 South Redwood Road, Salt Lake City;

    --  Stacey Ward, 1634 West South Jordan Parkway, South Jordan;

    --  Jared Bradford, 2353 North Main Street, Sunset; and

    --  Vera Clinton, 2399 South Main, Woods Cross.

The new U.S. Bank locations inside Smith's will be open six days a week, Monday through Friday 9 a.m. until 7 p.m. and Saturday from 9 a.m. until 5 p.m. U.S. Bank is the third-largest in-store branch-banking network in the United States.

U.S. Bank is home of the exclusive Five Star Service Guarantee, which assures customers of certain key banking benefits. If for any reason U.S. Bank fails to deliver on its guarantee it will pay the customer, in addition to making the situation right.

Smith's is a division of The Kroger Co. (NYSE:KR), one of the nation's largest grocery retailers. From its offices in Salt Lake City, Utah, Smith's operates a total of 125 stores in seven western states, including 44 in Utah.

U.S. Bancorp (NYSE:USB), with assets of $192 billion, is the 7th largest financial services holding company in the United States. The company operates 2,275 banking offices and 4,472 ATMs in 24 states and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. U.S. Bancorp is home of the Five Star Service Guarantee which assures customers of certain key banking benefits and services or customers will be paid for their inconvenience. U.S. Bancorp is the parent company of U.S. Bank. Visit U.S. Bancorp on the web at www.usbank.com.

SOURCE: U.S. Bank

CONTACT:          U.S. Bank Media Relations
                  Amy Frantti, 612-303-0733

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Copyright (C) 2004 Business Wire.  All rights reserved.

SOURCE: U.S. Bank

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: Statements in this press release regarding U.S. Bancorp's business which are not historical facts are "forward-looking statements" that involve risks and uncertainties. For a discussion of such risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see "Risk Factors" in the Company's Annual Report or Form 10-K for the most recently ended fiscal year.



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