To ensure that you continue to receive email from us, please add us to your Address Book (1800USBanks@usbank-email.com). Thank you. U.S. Bank - Money Wise ------------------------------------------------- >> Online Bill-Paying Services: Login for a Lesson in Myth vs. Reality << It's human nature to approach new technology with caution - especially when it involves our money. Take ATMs, for example. Sure, we count on them today for convenient, around-the-clock banking, but there was a time when people were afraid to use them...afraid their passwords would be cracked, and their accounts drained. Blame it on concerns about online security, but some people feel the same way about online bill paying services these days. > Learn more about why paying your bills online is more secure than you might realize: http://www.usbank.com/realities ------------------------------------------------- >> How Much Money Should You Save? << The answer is actually a lot simpler than you may think. How much income you should save does not ultimately lie in some online quiz or magic formula you find in a magazine. It lies solely with you. It's your needs and wants: that new car or truck, a once-in-a-lifetime vacation or your place in the sun during retirement. It's not impossible to build your savings. In fact, it's relatively simple if you follow the right steps. > Find out how: http://www.usbank.com/saving ------------------------------------------------- >> Mortgage Refinancing: When It Makes Sense -- and When It Doesn't << Just when everyone thought that the mortgage refinancing party was over, it's now started back up all over again. Mortgage rates hit rock bottom last summer and then started creeping back up slowly through the end of the year, leading many observers to predict that the party was coming to an end. But that hasn't happened. According to the Mortgage Bankers Association, rates ticked down slightly once again to 5.41% and 4.73% for 30- and 15-year fixed-rate mortgages, respectively for the week of March 15. And, the number of refinancing applications rose by nearly 40% that week, with lenders taking more applications than they have in any week since the peak of refinancing activity last July. > Get the whole story: http://www.usbank.com/refinancing ------------------------------------------------- >> QUICK TIPS FROM US << >> How to Establish a Secure Password << 1) Avoid weak passwords that: - include personal information about the user. - consist of known words that can be found in many hacker password dictionaries. - contain number or letter sequences or letter-to- number substitutions, such as E for 3 or O for zero. 2) Create strong passwords that: - are eight characters or longer. - don't contain any part of a user's full name or username. - don't use any term that could easily be guessed by someone who is familiar with you. - don't contain personal identification numbers, including those on a license plate, your telephone number, birth date or any part of your Social Security number. - contain characters from three of the four classes of characters: - English uppercase letters (A, B, C). - English lowercase letters (a, b, c). - Arabic numerals (1, 2, 3). - Special characters (!, *, $ or other punctuation symbols). > Learn more about online security: http://www.usbank.com/security ------------------------------------------------- At U.S. Bank, protecting your privacy is our priority. For your safety, we will never request your Personal ID, Password or PIN via email and recommend that you do not share this information with anyone, ever. Sharing this information gives the recipient full access to your account. If you receive an email like this, please forward it to fraud_help@usbank.com or call our Fraud Liaison Center toll-free at 1-877-595-6256. You are receiving this email as a courtesy from U.S. Bank. Please know that you can modify your preferences or unsubscribe at any time: http://www.usbank.com/email View the U.S. Bank Privacy Policy: http://www.usbank.com/privacy Our Web site address is: http://www.usbank.com. U.S. Bank Member FDIC, Equal Housing Lender U.S. Bank BC MN H22N 800 Nicollet Mall, Suite 1500 Minneapolis, MN 55402-7014