U.S. Bank Offers Morningstar(R) Retirement Manager(TM) to Institutional Customers

"Providing this valuable service is part of the U.S. BankInstitutional Trust & Custody team's continued commitment to listeningto its clients and their needs, then providing a variety of fundoptions, resources and tools to help make retirement planning easier,"said John Paulus, senior vice president for U.S. Bank InstitutionalTrust & Custody's Retirement Plan Services. "Offering this service isvital at a time when many American workers are not saving enough tomeet the goal of a comfortable retirement."

With the managed accounts service of Morningstar RetirementManager, Morningstar Associates creates a personalized investmentportfolio that fits each participant's financial situation, evaluatesthe portfolio quarterly, manages the deferral percentage andinvestment allocation, and rebalances the portfolio as needed to helpmake sure that the appropriate investment options are selected, andprogress is being made toward meeting the participant's retirementgoals.

Plan sponsors who offer managed accounts through MorningstarRetirement Manager benefit as well. Because Morningstar Associatesacts as an investment manager, Morningstar takes on fiduciaryresponsibility for the advice it provides.

To learn more about Morningstar Retirement Manager, or the otherservices and tools available for Retirement Plans, visitwww.usbank.com/itc.

Morningstar Associates, LLC, is a leading provider of investmentadvisory services to the retirement plan industry. MorningstarAssociates is a registered investment advisor and wholly ownedsubsidiary of Morningstar, Inc., a leading provider of independentinvestment research.

U.S. Bank Institutional Trust & Custody is a division of U.S. BankN.A. that focuses on retirement, investment, trust and custodyservices for institutional clients. Its product offerings includeretirement plans (401(k), profit sharing or money purchase pensionplans, and defined benefit), institutional trust and custody, mastertrust services and health savings accounts.

U.S. Bancorp (NYSE:USB), with assets of $209 billion, is the 6thlargest financial holding company in the United States. The companyoperates 2,419 banking offices and 5,003 ATMs, and provides acomprehensive line of banking, brokerage, insurance, investment,mortgage, trust and payment services products to consumers, businessesand institutions. U.S. Bancorp is the parent company of U.S. Bank.Visit U.S. Bancorp on the web at www.usbank.com.