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U.S. Bancorp ( NYSE: USB ) Morgan Stanley US Financials, Payments & CRE Conference June 11, 2024 10:15 AM ET Company Participants Andrew Cecere - Chairman and CEO John Stern - CFO Conference Call Participants Betsy Graseck - Morgan Stanley Betsy Graseck All righty.

I will read my disclaimer and then we'll get into it. For important disclosures, please see Morgan Stanley research disclosure website at www.morganstanley.



com/researchdisclosures. So, taking of photographs and the use of recording devices is also not allowed. If you have questions, please reach out to your Morgan Stanley sales representative.

Okay. With that done and dusted, we are excited to introduce to the room today, Andy Cecere, Chairman and CEO of U.S.

Bancorp. Andrew Cecere Good morning, Betsy. Betsy Graseck Thank you.

And John Stern, Senior Executive Vice President and Chief Financial Officer. John Stern Good morning. Betsy Graseck Thank you so much for joining us today.

Andrew Cecere Thank you. Great to see you. Betsy Graseck We were just chatting a little bit up here before we went on the live mic that this is our 15th Annual Morgan Stanley Financials Conference which I was the instigator of, and Andy Cecere, you should be getting a Gold Star Frequent Flyer pen because I think you've been to every single one of them.

Andrew Cecere All of them. Yes. Yes, I'll wait for it.

Betsy Graseck Thank you so much. Yes, there you go. Thank you so much for joining us this year again.

Really appreciate your contributi.

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