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NORTH ROYALTON’S ROBERT NANNI FINDS U.S. BANK’S INTERNET BANKING REWARDING BY WINNING $10,000 JUST FOR TRYING IT

NORTH ROYALTON, OH., (Dec. 14, 2004) – U.S. Bank added another name to its list of Internet Banking customers who pay their bills online for free. Robert Nanni, of North Royalton, signed up to try the service when he opened a checking account recently at U.S. Bank. By paying one bill online, his name was automatically entered, and recently drawn, to win $10,000.

“I can pay my bills online not only easier, but much more quickly now that I have this extra money on hand to do it,” joked Nanni, who said that with the holidays approaching the unexpected U.S. Bank gift couldn't have come at a better time.

“The $10,000 customer gift was part of a sweepstakes to get people to try U.S. Bank Internet Bill Pay,” said Brenda Arra, the personal banker who opened Nanni's account. “More and more people are banking online because they are more comfortable using the Internet and like the time they save by banking on their own terms, whenever and wherever they want. It's also free, which isn't the case when paying bills the old-fashioned way.” Since removing the $4.95 monthly fee last December, U.S. Bank has experienced a 160% increase in active Bill Pay users.

Customers can access U.S. Bank Internet Banking through its web site, www.usbank.com, 24 hours a day, seven days a week. Besides quickly paying bills, customers can also see account balances and transaction history, view and print check images and online statements, transfer funds, and sign up to receive account alerts via email or text messages – all for FREE.

U.S. Bancorp (NYSE: USB), with $193 billion in assets, is the 6th largest financial services holding company in the United States. The company operates 2,346 banking offices and 4,621 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 in which the company pays customers if certain key banking benefits and services are not met. U.S. Bancorp is the parent company of U.S. Bank. Visit U.S. Bancorp on the web at usbank.com.

"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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