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federal deposit caps and state minimum age requirements. The following Exhibit Index lists the Exhibits to the
The Interstate Act authorizes interstate branching by Annual Report on Form 10-K.
acquisition and consolidations in those states that have not (1)3.1 Restated CertiÑcate of Incorporation, as
opted out of interstate branching. amended. Filed as Exhibit 3.1 to Form 10-K
National banks are subject to the supervision of, and for the year ended December 31, 2000.
are examined by, the Comptroller of the Currency. All
3.2 Restated bylaws, as amended.
subsidiary banks of the Company are members of the
Federal Deposit Insurance Corporation (""FDIC'') and are 4.1 ®Pursuant to Item 601(b)(4)(iii)(A) of
subject to examination by the FDIC. In practice, the Regulation S-K, copies of instruments deÑning
primary federal regulator makes regular examinations of the rights of holders of long-term debt are not
each subsidiary bank subject to its regulatory review or Ñled. U.S. Bancorp agrees to furnish a copy
participates in joint examinations with other federal thereof to the Securities and Exchange
regulators. Areas subject to regulation by federal authorities Commission upon request.©
include the allowance for credit losses, investments, loans, (1)4.2 Warrant Agreement, dated as of October 2,
mergers, issuance of securities, payment of dividends, 1995, between U.S. Bancorp and First Chicago
establishment of branches and other aspects of operations. Trust Company of New York, as Warrant
Agent and Form of Warrant. Filed as
Properties U.S. Bancorp and its signiÑcant subsidiaries Exhibits 4.18 and 4.19 to Registration
occupy their headquarter oÇces under long-term leases and Statement on Form S-3, File No. 33-61667.
are located in Minneapolis, Minnesota and Cincinnati,
(2)10.1 U.S. Bancorp 2001 Stock Incentive Plan.
Ohio. The Company also leases seven principal freestanding
operations centers in St. Paul, Portland, Nashville and (2)10.2 U.S. Bancorp Executive Incentive Plan.
Denver, and owns Ñve principal freestanding operations (1)(2)10.3 U.S. Bancorp Executive Deferral Plan, as
centers in Cincinnati, Kansas City, St. Louis, Fargo and amended. Filed as Exhibit 10.7 to Form 10-K
Milwaukee. At December 31, 2001, U.S. Bancorp's for the year ended December 31, 1999.
subsidiaries owned and operated a total of 1,383 facilities (2)10.4 Summary of NonqualiÑed Supplemental
and leased an additional 1,388 facilities, all of which are Executive Retirement Plan, as amended, of the
well maintained. The Company believes its current facilities former U.S. Bancorp.
are adequate to meet its needs. Additional information with
(1)(2)10.5 1991 Performance and Equity Incentive Plan of
respect to premises and equipment is presented in Notes 9
the former U.S. Bancorp. Filed as Exhibit 10.13
and 22 of the Notes to Consolidated Financial Statements.
to Form 10-K for the year ended December 31,
EXHIBITS 1997.
Financial Statements Filed Page (1)(2)10.6 Description of Retirement BeneÑts of Joshua
U.S. Bancorp and Subsidiaries Green III. Filed as Exhibit 10.14 to Form 10-K
Consolidated Financial Statements ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ 49
for the year ended December 31, 1997.
Notes to Consolidated Financial Statements ÏÏÏÏÏÏÏÏÏÏÏÏ 53
Report of Independent Accountants ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ 48 (1)(2)10.7 Form of Director IndemniÑcation Agreement
Schedules to the consolidated Ñnancial statements entered into with former directors of the
required by Regulation S-X are omitted since the required former U.S. Bancorp. Filed as Exhibit 10.15 to
information is included in the footnotes or is not Form 10-K for the year ended December 31,
applicable. 1997.
During the three months ended December 31, 2001, (1)(2)10.8 U.S. Bancorp Independent Director Retirement
the Company Ñled the following Current Reports on and Death BeneÑt Plan, as amended. Filed as
Form 8-K: Exhibit 10.17 to Form 10-K for the year ended
Form 8-K Ñled October 17, 2001, relating to third December 31, 1999.
quarter 2001 and anticipated full year 2001 earnings; (1)(2)10.9 U.S. Bancorp Deferred Compensation Plan for
Form 8-K Ñled October 31, 2001, announcing Directors, as amended. Filed as Exhibit 10.18
commencement of an underwritten oÅering of trust to Form 10-K for the year ended December 31,
preferred securities; 1999.
Form 8-K Ñled December 6, 2001, announcing
commencement of an underwritten oÅering of trust
preferred securities.
U.S. Bancorp
92