(DESCRIPTION) Logo, U.S. Bank. (SPEECH) SPEAKER: In our fast-paced, 24/7, 365 world, your digitally connected customers expect a simple, streamlined payment experience. -Instant payment solutions enable you to meet those needs and open doors to growth. We welcome you to walk through these doors and explore how real-time money movement gives you a faster, reimagined customer experience, bringing a new competitive differentiator to market. Sending or receiving - instant payments is fast and flexible, occurring any time of day, including weekends and holidays. When does instant really matter? Just ask your customers, suppliers, or business partners. The opportunities are limitless. When distributing funds for loan proceeds, cash advances, or emergency claims, to pay the proceeds for a car sale or real estate transaction, and just-in-time supplier payments to optimize your working capital, all transactions are completed within seconds, giving your customer immediate use of the funds. Payments are final and confirmed immediately, adding safety and certainty to the payment experience. Real-time also matters for payment on delivery. With the ability to send a digital request for payment, your client can pay as soon as the goods arrive, giving you immediate access to the funds, even on weekends and holidays. And instant payments deliver rich payment and remittance data to improve reconciliation, reporting, and operating efficiency for both parties. Availability of these new payment options continues to rapidly expand. Just tell us where you want to go, and we'll get there together. (DESCRIPTION) Logo, U.S. Bank. On-screen text: RTP® is a registered trademark of The Clearing House Payments Company LLC. Eligibility requirements, other conditions and fees may apply. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2023