U.S. Bank Small Business Newsletter
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January 2004

Great News!
Checking that Pays(R) is now available for business check card
customers. Business Checking That Pays features two reward
options: Cash Bonus and Visa Extras. The U.S. Bank Cash Bonus
Business Check Card offers 1/4% cash back on all your business
check card purchases (non-PIN). The U.S. Bank Business Check
Card with Visa Extras allows you to accumulate points which
you can redeem for gifts and/or merchandise. Earn one point for
every dollar spent up to $4,000 and two points for every dollar
spent over $4,000. Rewards can be redeemed for as little as
2,000 points.

A New Employee Benefit, at no Cost to You
Was there ever a time you could offer your employees a new
company benefit that didn't cost you a thing? With Workplace
Banking from U.S. Bank, your employees receive a valuable
addition to their benefits package...and you won't have to pay
a dime! It's a complete package of discounts and services designed
exclusively for your employees that use Direct Deposit. Your
employees are eligible for all these perks simply by having their
paycheck deposited directly into their U.S. Bank Workplace
Checking Account. Learn more.

Keep Customers Coming Back
Lois Geller, the founder of Mason & Geller Direct Marketing,
says customer relationship management, or CRM as its known
in the industry, can be one of the most effective ways to
increase sales to existing customers and improve profits.
CRM is about the simple process of keeping track of information
about your customers so you can use it to keep them coming
back. And for small businesses, it may be the easiest way
to distinguish yourself from bigger firms. Get the whole story.

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Business Tips
> Save time by paying your state and federal taxes electronically.
U.S. Bank can help with EasyTax an easy-to-use, convenient,
secure and EFTPS (Electronic Federal Tax Payment System)
compliant online tool. Find out how.

> Spend more time taking advantage of business opportunities
by outsourcing your payroll to ADP.
ADP ensures that your payroll, tax filing and direct deposits
are processed accurately and on time. Learn more.

> Let U.S. Bank and TurboTax for the Web(sm) help you prepare
your 2003 taxes -- quickly, easily and conveniently.
U.S. Bank has partnered with Turbo Tax(R) for the Web(sm) to
help you save time and money this tax season. For complete
details and tax information, visit our partners at TurboTax(R)
Tax Center today.

*U.S. Bank does not offer tax advice. Consult your tax
professional for tax advice.

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Special Business Discounts
As a U.S. Bank Visa Business Cardmember, you are automatically
part of Visa Partner Advantage. Use your U.S. Bank Visa
Business Card to take advantage of special discounts
listed on the Partner Advantage Web site. The money-saving
discounts change regularly, so be sure to visit this page
often!

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U.S. Bank
BC MN H22N
800 Nicollet Mall, Suite 1500
Minneapolis, MN 55402-7014