We hope the preceding pages have given you a better understanding of the values that drive our company, the people who manage it, our culture of customer service, our key strategies for prudent growth and our recent accomplishments.
The following pages will give you a complete picture of our results, the policies and procedures on which our financial results are based and the details underlying our values, strategies and accomplishments.
Financial Review 2009
Forward-Looking Statements
The following information appears in accordance with the Private Securities Litigation Reform Act of 1995:
This report contains forward-looking statements about U.S. Bancorp. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements. These forward-looking statements cover, among other things, anticipated future revenue and expenses and the future plans and prospects of U.S. Bancorp.
Forward-looking statements involve inherent risks and uncertainties. Investors are cautioned against placing undue reliance on our forward- looking statements. Such statements are based upon the current beliefs and expectations of management of U.S. Bancorp and the information currently available to management. Such statements speak only as of the date hereof, and the company undertakes no obligation to update them in light of new information or future events.
Important factors could cause actual results to differ materially from those anticipated, including the risks discussed in the Management's Discussion and Analysis section that follows, as well as the risks discussed in detail in the "Risk Factors" section on pages 130–136 of this report. However, factors other than these also could adversely affect our results, and the reader should not consider these factors to be a complete set of all potential risks or uncertainties.