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U.S. Bank To Kick Off 2006 With A Full Service, On Campus Branch At Northern Kentucky University

HIGHLAND HEIGHTS, Ky. (Dec. 1, 2005) - U.S. Bank and Northern Kentucky University (NKU) today announced that U.S. Bank will open a full-service, on-campus office in January, 2006 at the University Center. NKU currently uses U.S. Bank as its bank partner for its All-Card, the school's multi-use identification card.

"U.S. Bank is pleased to be a part of the dynamic NKU community," said U.S. Bank's Northern Kentucky market president Dan Groneck. The branch, which be open Monday through Thursday from 9:00 a.m. until 6:00 p.m. and Friday from 9:00 a.m. until 4:30 p.m., will provide a comprehensive line of student banking products, including campus ID card programs, student loans, Internet banking, U.S. Bank student checking and savings, and Visa Buxx prepaid cards. "In addition to opening free checking accounts with free Internet bill pay, NKU students and faculty can conveniently transact business on savings, CDs, IRAs and other investment opportunities, or get a loan for a car, boat, home improvement or debt consolidation," added Groneck.

Andy Meeks, director of business operations and auxiliary services at NKU said, "Opening a branch on campus is another step to bring consolidated services to our university community. NKU students, faculty and staff have found the All-Card very convenient and will find the onsite full service branch staffed by helpful U.S. Bank employees as well as its 24 hour ATM at the center a great benefit." U.S. Bank currently has another ATM on the campus in the Norse Commons.

Meeks added, "U.S. Bank is one of the top student banking institutions in the nation so it made sense to strengthen our partnership by opening an on campus branch." He noted that NKU's All-Card allows its 14,000 students and more than 1,650 faculty and staff members to check out resources from the campus library, purchase meals without cash, gain access to campus fitness facilities and other amenities. The All-Card can also be used as a U.S. Bank ATM card on and off campus and at many merchant terminals in the United States that accept Interlink or Plus.

"We've added several features to our All-Card program recently, such as students being able to access to their University work or financial assistance funds in a more timely manner by having their checks directly deposited into their account," said Meeks.

NKU is one of 29 colleges and universities that have joined with U.S. Bank for a campus banking program. Others include Xavier University, Marquette University, San Diego State University, Iowa State University, Morehead State University, Northwestern University, and the University of Louisville. For more information on U.S. Bank's student banking program, visit www.usbank.com/studentbanking.

Northern Kentucky University was founded in 1968 and is the newest of Kentucky's eight state universities. NKU is part of the metropolitan area of greater Cincinnati, located in the largest metropolitan area of any state university in Kentucky. It is located at the junction of U.S. Highway 27 and Interstates 275 and 471 in Highland Heights, Kentucky, eight miles southeast of Cincinnati. The atmosphere of the campus is futuristic, emphasizing a high-quality education by supporting the liberal arts. NKU has an enrollment of approximately 14,000 students from 43 states and 72 countries and is accredited by the Southern Association of Colleges and Schools. The Salmon P. Chase College of Law is accredited by both the American Bar Association and the Association of American Law Schools. There are more than 100 student organizations. NKU competes athletically in the NCAA Division II Great Lakes Valley Conference.

U.S. Bancorp (NYSE: USB), with $207 billion in assets, is the 6th largest financial holding company in the United States. The company operates 2,411 banking offices and 4,999 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.

Contact:
Lisa H. Clark, U.S. Bank
(608) 877-7515

"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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