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U.S. Bank Names Keith Hoyt New SBA Division Western Regional Sales Manager and Senior Vice President

DENVER--(BUSINESS WIRE)--March 22, 2005--U.S. Bank has named Keith A. Hoyt as new western regional sales manager and senior vice president for it's Small Business Administration (SBA) division operation. The SBA Division's western region headquarters will be in Denver, where Hoyt will be based.

The U.S. Bank SBA Division is one of the nation's leading SBA lenders and currently operates 25 specially designated SBA business centers serving 25 states. The western region includes six business centers, including Glendale/Los Angeles; Orange (Calif.); San Diego; Phoenix; Austin, Texas and Denver. SBA Division also operates a midwest region based in Louisville, Ky., and a northwest region based in Auburn/Sacramento. The western region office will be located at 6300 South Syracuse Way in Englewood, Colo.

Hoyt has more than 14 years of SBA lending experience. Prior to joining U.S. Bank, he was sales manager for the western region of CIT Small Business Lending Corp. in Denver. Previously, he was corporate counsel and vice president for The Money Store Investment Corp. in Sacramento.

"We are very pleased to add Keith to our SBA team. He has extensive SBA experience and is a seasoned manager of SBA lending professionals," said David H. Bartram, president of SBA Division for U.S. Bank. "I anticipate that Keith will be immediately effective both in leading our western region business development officers as well as working with our referral sources in U.S. Bank and externally."

Hoyt earned a Bachelor of Arts degree from Ambassador College in Pasadena, Calif., and a Juris Doctorate from the University of the Pacific, McGeorge School of Law in Sacramento. Additionally, he has completed extensive SBA training courses in finance, documentation and environmental compliance.

He is a member of the National Association of Government Guaranteed Lenders (NAGGL) and the American Corporate Counsel Association. Hoyt resides in the Denver area.

U.S. Bancorp (NYSE:USB), with assets of $195 billion, is the 6th largest financial holding company in the United States. The company operates 2,370 banking offices and 4,620 ATMs, 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 usbank.com.

CONTACT: U.S. Bank Media Relations
Amy Frantti, 612-303-0733
U.S. Bank SBA
Brian L. Butler, 858-536-4545 ext. 204


"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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