View this email as a Web page.   The Healthcare Division Quarterly Update is designed to bring you the insight you need to optimize your banking strategies today and in the future. At U.S. Bank, we offer a complete suite of products and services including credit, treasury management, capital markets, corporate payment services, investment management, corporate trust, institutional trust and custody and more. Learn More: Healthcare Division     Issues and thoughts on today’s market During the last several years, the healthcare industry has seen tremendous change. Managing this volatility in the midst of evolving industry regulations, technological advances and uncertain political landscape has forced hospitals, insurers, medical device manufacturers, pharmaceuticals and other healthcare industry organizations to truly evaluate their operations from all levels. Whether it is reimbursements or capital requirements going forward, managing financial resources has never been more critical. We recently interviewed Bob Joyce, Division Head of U.S. Bank Healthcare Division, to get his insights.     Keith Hembre, Nuveen’s Chief Economist, discusses the economic outlook for 2012. In recent months, economic sentiment has oscillated between fears of a double dip recession and expectations for a strengthening and durable domestic recovery. In this special commentary, by Keith Hembre of Nuveen Investments, you’ll find his outlook for 2012 and insights on how the recovery will continue.     Quality & value are keys to continued success Customers continued to rank U.S. Bank highly in overall satisfaction, quality and value according to American Customer Satisfaction Index (ACSI) November 2012 research¹. U.S. Bank once again exceeded the industry average and the four largest banks in the country. The ACSI released the results of the four largest banks in the country, along with industry average and the combined average of all other banks. The highest reported score for a bank was 73 and industry average was 75 for overall satisfaction. Looking at two primary drivers of overall satisfaction - quality and value - U.S. Bank remains above the industry average and the largest four banks. In customer retention, U.S. Bank scored significantly higher than the bank industry average.     Please contact us to learn more or to discuss any financing needs: `eqf_name`, `eqf_title` U.S. Bank Healthcare Division `eqf_email` `eqf_phone`   Keith Hembre’s review & outlook Get vital economic news, trends, updates and perspectives on the current state of the economy and financial markets. Quarterly Market Views U.S. Bank Quarterly Profile Adventist Health System Wins Deal of the Year Award Announced the winners of the publication’s 10th Annual Deal of the Year Awards recently. U.S. Bank congratulates Adventist Health System, which won in the healthcare sector for its $1.75 billion credit facility restructuring and $665 million bond restructuring. Healthcare Financial Management Association Region 11 Symposium January 29 - February 1, 2012   1By selecting this link, you will leave U.S. Bank and enter a third-party Web site. U.S. Bank is not responsible for the content of, or products and services provided by this third party, nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by U.S. Bank. Please note that the third-party Web site may have privacy and information security policies that differ from those of U.S. Bank. This discussion is intended to be informational only and is not exhaustive or conclusive. The factual information provided has been obtained from sources believed to be reliable, but is not guaranteed as to accuracy or completeness. Deposit products offered by U.S. Bank National Association. Member FDIC. Investment products, including shares of mutual funds, are not deposits or obligations of, or guaranteed by U.S. Bank or any of its affiliates, nor are they insured by the Federal Deposit Insurance Corporation, or any other government agency. An investment in such products involves investment risk including possible loss of principal. U.S. Bank is not responsible for and does not guarantee the products and services, or the performance of the products or services, offered by its affiliates or by third parties. To ensure that you continue to receive email from us, please add us to your Address Book (1800USBanks@usbank-email.com). Thank you. You are receiving this email as a courtesy from U.S. Bank. Please know that you can modify your preferences or be removed from our mailing list at any time. View the U.S. Bank Privacy Pledge. We will never send you an email asking for personal information. Learn more at usbank.com. U.S. Bank · EP-MN-L20D · 200 South 6th Street · Minneapolis, MN 55402 © 2012 U.S. Bancorp. All rights reserved.