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WaRESPONSEPRESENTED TOCITY OF SAINT PAUL, MNJuly 15, 2016Jennifer om

Banking Presence1. Number of customers with account addresses in Saint Paul82,749 customers have account addresses in Saint Paul.2. Number and address of banking locations in Saint Paula. Conventional banking branchesHighland ParkGrandMidwayEast St. PaulBattle CreekU.S. Bank St. Paul CenterOakdaleSeven (7) Traditional Branches711 Cleveland Ave SSaint Paul1071 Grand AveSaint Paul2383 University Ave WSaint Paul1000 Payne AveSaint Paul1959 Burns AveSaint Paul101 5th St ESaint Paul7620 10th St NSaint 128b. Retail location branchesWest Side Flats3M North3MMinneapolis St. PaulAirportFour (4) Retail/Other Location Branches60 Livingston AveSaint Paul3M Center #275Saint Paul3M Center Bldg 222-01Saint Paul4300 Glumack DriveSaint PaulMNMNMNMN55107551445514455111c. Automated teller machinesFifty-five (55) City of Saint Paul ATMsATMs AddressCity11000 Payne AvenueSaint Paul3101 East 5th StreetSaint Paul31071 Grand AvenueSaint Paul1120 West Kellogg BoulevardSaint Paul11200 Energy Park DriveSaint Paul11345 Marshall AvenueSaint Paul11400 Arcade StreetSaint Paul11444 Minnehaha Avenue EastSaint Paul11537 Englewood AvenueSaint Paul11600 Grand AvenueSaint Paul11608 Rice StreetSaint Paul1180 East 5th StreetSaint Paul11959 Burns AvenueSaint Paul1200 University Avenue EastSaint Paul1200 Wabasha Street SouthSaint PaulU.S. 01551195510155107City of Saint Paul page 2

21111111116111121111552115 Summit Avenue2199 University Avenue2383 University Avenue West281 North Snelling Avenue385 Washington Street3900 Bethel Drive3M Center - Bldg 222-01 Room1K153M Center - Building 264400 Robert Street North4300 Glumack Drive500 7th Street East60 Livingston Avenue600 Snelling Avenue North629 Rice Street711 Cleveland Avenue South721 Arcade Street743 Century Avenue North850 Grand Avenue965 Sibley Memorial HighwaySaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint t PaulMN55144Saint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint 107551045510355116551065511955105551183. Number and address of banking locations in low/moderate income census tracts within MSA#33460a. Conventional banking branchesBranch NameFive (5) Conventional Branches in MSA #33460Street AddressCityBattle CreekEast St. PaulMidwayU.S. Bank St. Paul CenterWest Side Flats1959 Burns Ave1000 Payne Ave2383 University Ave W101 5th St E60 Livingston AveSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulZipCode5511955130551145510155107b. Retail location branchesU.S. Bank does not have any retail branch locations in MSA #33460.c. Automated teller machinesATMs1161U.S. BANKForty-three (43) ATMs at 103 Locations in MSA #33460AddressCityZip3900 Bethel DriveSaint Paul551124300 Glumack DriveSaint Paul55111200 University Avenue EastSaint Paul55101City of Saint Paul page 3

11111111111111131111111431345 Marshall Avenue281 North Snelling Avenue629 Rice Street1608 Rice Street3M Center - Bldg 222-01 Room 1K15721 Arcade Street1000 Payne Avenue1200 Energy Park Drive60 Livingston Avenue200 Wabasha Street South1444 Minnehaha Avenue East2383 University Avenue West2199 University Avenue500 7th Street East1959 Burns Avenue101 East 5th Street400 Robert Street North180 East 5th Street600 Snelling Avenue North1537 Englewood Avenue1040 Concord Street South2255 South Avenue East120 West Kellogg BoulevardSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSaint PaulSouth Saint PaulNorth Saint PaulSaint 51045507555109551024. Number of employees working in Saint Paul3,008 employees work in Saint Paul.5. Number of employees with residential addresses in Saint Paul1,227 employees have residential addresses in Saint Paul.Consumer Banking6. List the monthly fee that a consumer pays to maintain the type of bank account that is mostfrequently used by consumers in MinnesotaEasy Checking is our entry level consumer checking account. It has a monthly maintenance fee of 6.95with electronic statements ( 8.95 with paper statements). The monthly maintenance fee is waived whenthe consumer has combined monthly direct deposits of at least 1,000 or maintains an average accountbalance of 1,500 or more per statement period.In addition, customers can access our “Simple Snapshot” summary of account fees on our website. Thespecific address is unts/compare-checkingaccounts.aspx. From there, a consumer may select any checking account to learn more and then select theaccount’s Simple Snapshot located in the Pricing and Features section on the lower half of the page. TheSimple Snapshots include an easy to read summary of the most common fees related to a consumerchecking account and has been approved by the Pew Research Center.U.S. BANKCity of Saint Paul page 4

7. List other fees associated with this bank accountA comprehensive list of fees is included in our Consumer Pricing Brochure (Attachment A).8. Identify business products that are designed for the following consumers:a. Unbanked or under-bankedThe Easy Checking product is a fully functional consumer checking account that can be utilized byconsumers largely considered to be “unbanked” or “underbanked.” The monthly maintenance feefor this account is 6.95 per month with electronic statements ( 8.95 per month with paperstatements). The monthly maintenance fee is waived when the consumer has combined monthlydirect deposits of at least 1,000 or maintains an average account balance of 1,500 or more perstatement period.b. ElderlyConsumers who are 65 or older qualify for our Premium Checking account with no monthlymaintenance fee. The Premium Checking account is our best single-service consumer checkingaccount that features benefits such as free standard checks, free non U.S. Bank ATM transactionsas well as others. Seniors who qualify for one of our Checking Package accounts can still receive“senior benefits” such as free checks.c. YouthYouth (as young as 14 with an adult co-signer) and students are eligible for our Student Checkingproduct, which features no monthly maintenance fee ( 2 if paper statements are selected) as wellas the first order of U.S. Bank logo checks for free and no U.S. Bank fee for up to their first 4 nonU.S. Bank ATM transactions per month. Youth and other students who qualify for one of ourChecking Package accounts can still receive “Student Benefits” such as their first order ofU.S. Bank logo checks for free and no U.S. Bank fee for their first 4 non-U.S. Bank ATMtransactions per month.d. Low incomePlease refer to our response to 8a above: Unbanked or under-banked.e. No or poor creditFor short term and/or revolving credit needs, U.S. Bank offers a secured Visa credit card. The cardoffers a limit as low as 300 (secured by a consumer savings account with a 300 deposit) thatallows a customer to establish or re-establish credit. If the account is managed responsibly andconsistently for 12 months, the customer may be eligible to move to an unsecured card.U.S. Bank Home Mortgage also participates in programs (subject to availability and qualifications)for new home buyers or buyers with challenged credit.9. Describe your success in number and dollar amount for these target groups.While this information is not available at the St. Paul market level, in May 2016 U.S. Bank had 1,466,215Easy Checking accounts, 651,158 accounts for seniors and 800,171 student checking accounts.U.S. BANKCity of Saint Paul page 5

Consumer Lending10. Small Business Administration rankingMinnesota SBA District OfficeAs of 3/31/2016UnitRank12345678910MinnesotaWells Fargo Bank, National Assoc.U.S. BancorpKleinBankStearns Bank Nation AssociationVenture bankHighland BankBankVistaBremer Bank, National Association21st Century BankAnchor Bank, National nkMinnesotaDollarVolume12345678910Wells Fargo Bank, National AssociationU.S. BancorpBankVistaStearns Bank National AssociationVenture BankBremer Bank, National AssociationAnchor Bank, National AssociationFalcon National BankNational Bank of CommerceNewtek Small Business Finance, Inc. 30,631,300 19,976,400 13,220,700 12,152,100 11,507,700 8,067,300 7,512,800 6,795,800 5,427,000 5,125,00011. Number and dollar total of commercial loans to businesses with revenues of 1 million ormore in Saint Paul.U.S. Bank provides small business lending data at the county level only. U.S. Bank reported 368 loanstotaling 34,032,000 in Ramsey County during 2015. These are CRA reportable loans only.*** Note: U.S. Bank does not collect gross annual revenues for a significant number of small business loans.During 2015, U.S. Bank reported 1,177 CRA small business loans totaling 16,382,000 with unknown grossannual revenues in Ramsey County.U.S. BANKCity of Saint Paul page 6

12. Number and dollar total of commercial loans to business with revenues less than 1 million inSaint Paul.U.S. Bank provides small business lending data at the county level only. U.S. Bank reported 1,390 loanstotaling 19,684,000 in Ramsey County during 2015. These are CRA reportable loans only.*** Note: U.S. Bank does not collect gross annual revenues for a significant number of small business loans.During 2015, U.S. Bank reported 1,177 CRA small business loans totaling 16,382,000 with unknown grossannual revenues in Ramsey County.13. Number and dollar total of commercial loan amounts of 250,000 or less in Saint Paul.U.S. Bank provides small business lending data at the county level only. U.S. Bank reported 2,871 loanstotaling 35,094,000 in Ramsey County during 2015.14. Number and dollar total of commercial loan amounts of 250,001 - 1,000,000 in SaintPaul.U.S. Bank provides small business lending data at the county level only. U.S. Bank reported 64 loans totaling35,004,000 in Ramsey County during 2015.15. Number and dollar total of commercial loans to minority-owned, women-ownedbusinesses in Saint PaulRegulation B prohibits the collection of race, ethnicity and gender information on small business loans.Home Loan Origination16. Provide the past two years data submitted in HMDA Disclosure Reports to FFIEC for DisclosureTables 1 through 11 available at this lcome.aspxResponses should be aggregated to include the information for the Bank and any subsidiariesor affiliates of the BankA DVD is enclosed.Home Loan Servicing17. Please complete the following table (include race, age and gender demographics):U.S. Bank does not capture data for race, age, and gender. For this reason we cannot provide you thesedetails.# of Home Loans Serviced inSaint PaulU.S. BANKAs of 12/31 two years agoAs of 12/31 previous year7,522 home loans38,188 home loansCity of Saint Paul page 7

Total Outstanding Principal ofthose Home Loans% of Loans in some stage ofNon-Payment or Default 1.03 billion 4.01 billion400 delinquent165 foreclosure819 delinquent122 foreclosureHome Loan Modification and Response to Foreclosure Crisis18. Provide for the City of St. Paul, by census tract, the information required on the mortgage loandisclosure statement pursuant to the Home Mortgage Disclosure Act, 12 U.S. C. Section 2801 et seq.and laws amendatory thereof and supplementary thereto (“HMDA”), for the previous fiscal year.A DVD is enclosed.19. Provide details on your institution’s disposition policy for foreclosed vacant and abandonedresidential property including options for re-purchase, rehabilitation, and re- occupation.Disposition policy:U.S. Bank partners with the National Community Stabilization Trust (NCST) First Look Program to offercommunities, nonprofits, and land banks a brief exclusive opportunity to purchase bank owned propertiesin certain neighborhoods in order to enhance owner occupancy.If properties are not sold in the First Look Program, they are then sold traditionally via Realtors. A portionof U.S. Bank properties are sold in a quick sale method (Auction & Bulk) to control inventory.Re-purchases:U.S. Bank does not allow re-purchases.Re-Occupation:Once a home is deemed vacant, abandoned and secured, U.S. Bank does not allow re-occupation of theREO.Rehabilitation:U.S. Bank policy ensures each REO is maintained in a presentable, marketable, safe and secure manner,and that it adheres to any state and local requirements. The REO Department will ensure that maintenanceis scheduled to include regular lawn service, annual winterization or de-winterization, emergency securing,debris removal, and snow removal, as appropriate. Blighted conditions are addressed immediately and allproperties are required to have curb appeal equal to or better than the surrounding homes.All REO properties are inspected on a timely basis by the assigned property management company ordesignee. This is done to ensure maintenance and repair issues are addressed immediately and to checkoccupancy status.20. Provide a narrative on the Bank’s participation in foreclosure prevention and mitigation ofnegative effects on neighborhoods in Saint Paul, both unilaterally and through communitycollaboration.U.S. BANKCity of Saint Paul page 8

U.S. Bank takes proactive measures to prevent foreclosures. If a mortgage payment is not made by thethird day after it is due, U.S. Bank begins its attempts to reach the owner by phone and by mail. Anattempt is made every three days. The goal is to talk to the owner to understand why payments are notbeing made