PLEASE READ - US Bank

Feb. 26, 2009 INTEGRATION INFOCOMM DS-23
FLYERS FOR HOME EQUITY LOANS UPDATED WITH NEW PHONE NUMBER: Last
week, flyers to use when referring customers for U.S. Bank Home Equity Loans were
provided. The phone number listed on the flyers has now been changed to reflect a
special number set up specifically for these Home Equity Line of Credit applications.
The number that is on the revised flyers is 888-461-4944. The number on the flyers
distributed last week is a valid U.S. Bank customer service phone number, but may
cause the application process to be slightly delayed for some customers. Therefore, it is
important to replace any supply of flyers you printed last week with the revised version
(attached). Like the original, the revised flyer may be customized with your branch
information.
CHANGES TO FLYERS AND NEWSPAPER ADS FOR CD SPECIALS: The interest
rates and terms on the CD specials running jointly in PFF, Downey and U.S. Bank
branches are not changing this week. However, the flyers and ads used to promote the
current CD specials have been updated with new graphics. Please replace your current
flyers with the new ones. As before, the flyers can be customized with your branch
information.
CONVERSION PROCESS OVERVIEW FOR BRANCHES: Conversion week is fast
approaching, and we know you have many outstanding questions about the process
behind closing your doors as Downey on Friday, May 15, and reopening the next day as
U.S. Bank. Be assured that many groups are working behind the scenes to make the
transition a success!
At branches, one group you will work closely with is Retail Support. Retail Support is
primarily known as the main support area and telephone help line for U.S. Bank
branches. Retail Support analysts assist bankers with a wide range of topics including
account opening, polices and procedures, audits, loans, products and research. During
a conversion, Retail Support takes on additional roles by providing the following key
areas of assistance and training:
• Ambassadors – An ambassador is an existing U.S. Bank employee with
expertise in operations and sales. Beginning Friday, May 15, each branch will
have an ambassador on site to assist with all conversion activities, ensure

anches are running smoothly and ensure issues and concerns are addressed
during the time just after conversion. Retail Support, along with other areas,
provides materials and support for ambassadors.
• Command Center – The Command Center is a centralized area for
ambassadors and branch personnel to report and work through issues related to
conversion. The Command Center is staffed by a group of conversion experts
who serve as first-line response and support for questions. The Command
Center will be available just prior to conversion Friday through the week following
conversion.
• Conversion Manual – This manual serves as a guide for all tasks that must be
completed for conversion. In addition, it contains valuable information about
procedures, process overviews, department contact information and additional
resources. Each branch manager will receive a conversion manual and
participate in a training call a few weeks prior to conversion.
• Supplies – All supplies necessary to set up the branch as U.S. Bank will be
centrally ordered for each location. These supplies will arrive in a few large
shipments during the week before May 15, but should not be opened until
specific instruction is provided at conversion.
As your conversion draws closer, you will see additional information regarding
conversion week and the various ways Retail Support and others will assist with the
process.
PILOT OF “BRANCH IN BRANCH” AT THREE DOWNEY OFFICES: Next Monday,
March 2, three Downey offices will have their exterior signs changed to U.S. Bank and
will begin piloting a “Branch in Branch” process that will allow servicing and opening of
accounts on U.S. Bank systems as well as on Downey systems. The three locations are
the Downey offices in Palm Springs, Palm Desert, and La Quinta. The Branch in Branch
setup will be in place from March 2 through the conversion of Downey Savings to U.S.
Bank on May 15.
Branch in Branch will allow these branches to start opening products on U.S. Bank
systems and to serve both Downey and U.S. Bank customers. Within the affected
branches, a separate U.S. Bank “zone” will be established with full U.S. Bank branch
capabilities, including teller windows, platform desks and a U.S. Bank ATM that will
support U.S. Bank accounts. Downey customers transacting business on existing
Downey accounts will continue to use the Downey part of the branch. However, new
accounts will be opened in the U.S. Bank zone, and those customers and existing
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U.S. Bank customers will be able to transact business on their U.S. Bank accounts in
the U.S. Bank zone.
Results of this pilot will be evaluated for possible use in future bank acquisitions.
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(For internal use only)