 U.S. Bancorp NYSE:USB Q2 2022 Earnings Conference Call July 15, 2022 9:00 AM ET Company Participants Jen Thompson - Head, Corporate Finance and Investor Relations Andy Cecere - Chairman, President and Chief Executive Officer Terry Dolan - Vice Chair and Chief Financial Officer Conference Call Participants Scott Siefers - Piper Sandler John Pancari - Evercore Gerard Cassidy - RBC Erika Najarian - UBS Mike Mayo - Wells Fargo Securities Matt OConnor - Deutsche Bank Bill Carcache - Wolfe Research Ebrahim Poonawala - Bank of America Operator Welcome to the U.S. Bancorps Second Quarter 2022 Earnings Conference Call. Following a review of the results by Andy Cecere, Chairman, President and Chief Executive Officer; and Terry Dolan, Vice Chair and Chief Financial Officer, there will be a formal question-and-answer session. 