 U.S. Bancorp NYSE:USB Goldman Sachs U.S. Financial Services Conference December 7, 2022 10:40 AM ET Company Participants Andy Cecere Chairman, President and Chief Executive Officer Terry Dolan Chief Financial Officer Conference Call Participants Richard Ramsden Goldman Sachs Co. Richard Ramsden Okay, if everybody could take their seats, were going to get started. Okay. So Im delighted to introduce our next speakers, who is Chairman and CEO of USB, Andy Cecere. 