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U.S. Bancorp (USB) Presents at Goldman Sachs US Financial Services Brokers Conference (Transcript)

Richard Ramsden - Goldman Sachs

Okay, I think it's just in time we're going to get started with our next panel. So, up next we have USB who frankly needs no introduction. They’ve got a unique mix of businesses, ranging from consumer and corporate banking to wealth management and direct global payment. And they have consistently generated efficiency ratios and ROE's that are frankly the envy of many of their peers. We’re delighted to have the Chief Operating Officer Andy Cecere and CFO, Kathy Rogers who will talk a little bit about the year ahead.

Andy Cecere - COO

Thank you, Richard and good morning everyone. I maybe referring to some forward-looking statements this morning, so if you could please refer to Page 2. The way we’re going to do this, I going to spend a little time giving overview of the Company and talk a little bit about the business lines. Kathy will give a preview and some information on the fourth quarter. After that, we’ll both...