U.S. Bank Corporate Travel CardOR ST Overview

September 24, 2013

Discussion Topics Corporate Travel Industry Trends U.S. Bank Solutions

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Executive Summary T&E expenses continue to be one of the largest

expense categories Control and compliance are more important

than ever Best-in-class programs have better visibility into

overall spend U.S. Bank provides many options to design a

program to meet your company requirements, and those of your travelers

Savings can be substantial

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Industry Trends “New Normal” strategic shift

in industry: • Monitor, reduce and

control costs• Distinguish between travel that

generates revenue• Implement new metrics to report

on financial performance

41%of organizations see T&E expense management as a critical internal function

71%plan to collaborate with procurement to better manage their T&E spend

Source: Aberdeen Group, 2011; ACTE “2011 Travel Spend Survey”

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Administrators Managers Cardholders

Inability to monitor, control expenses

Need to reduceout-of-policy spend

Achieve greater visibility into spend

Eliminatecostly manual processes

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Common Pain Points

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OR ST Opportunity:Improving Your Performance

Reduce and control costs

Improve oversight and control

Leverage technology

Institute policies/compliance methods

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Improve and standardize processes 5

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U.S. Bank Travel Card Solutions:Meeting Your Payment Needs

Corporate Travel Card• Unparalleled utility

Central Travel Account• Centralized management

Executive Card• Enhanced services and benefits

Global Card• Enabled with EMV Chip technology

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U.S. Bank Travel Card Solutions:Aligning with Your Priorities

• Eliminate costly manual processes

Process Automation1

• Reduce out-of-policy spend

Compliance2

• Achieve greater visibility into spend

Vendor Management3

Maximize the capture to 100% of T&E transactions Reduce the cost to manage travel Increase process automation and efficiency

Monitor, identify and correct non-compliant spend Improve data accuracy Increase employee adherence to travel policies

Gain accurate measure of spend by category and supplier

Attain greater leverage in negotiations by consolidating regions and subsidiaries

Direct spend to suppliers who provide the most value for the dollar

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Maximize Spend Capture Visa network: provides unsurpassed global acceptance in

more than 190 countries• Minimizes acceptance challenges the further out your

employees are required to travel• Decreases transaction “leakage” beyond major expense

categories such as air and hotel

Global Card: offers EMV Chip-enabled cards for U.S.-based cardholders who travel overseas• Improves payment capability and convenience in regions

where chip cards are commonplace• Ensures wherever employees travel, they can quickly and

easily pay for T&E expenses

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Enhance Convenience and Security U.S. Bank Customer Service Center: based in the U.S.,

and never outsourced, assists with corporate cardholder inquiries 24/7

Travel & emergency services: gives you peace of mind while traveling• Common carrier travel accident insurance• Auto rental collision damage waiver• Lost luggage assistance• Emergency card replacement• And much more

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Mitigate the Risk of Fraud, Loss and Misuse Liability waiver program: protects you against eligible

losses up to $100,000 incurred through cardholder misuse Flexible card controls: reduces maverick spending and

improves compliance with travel and procurement policies• Cash access restrictions• Merchant category code blocking• Overall spending limits

– Transaction amount or number of transactions– Daily, weekly or monthly spending limits

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Increase Spend Visibility Consolidated spend data: negotiates better supplier

terms and pricing with comprehensive spend information Access Online: manages your card more effectively with

an integrated, easy-to-use program management system Expense Management: automates and simplifies

expense reporting processes Payment Analytics: monitors purchases and card use for

policy compliance and misuse detection

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Partner with a Proven Payments Leader

Service Center Dedicated

Representatives Cardholder and Technical

Help Desk General Assistance

Implementation Manager Project Planning Tools Migration Planning Implementation Guides

Training Department Web-based Training Instructor-led Training User Guides

Relationship Manager Program Reviews Customized Program

Optimization Tools Spend-Data Analysis

Note: Service capabilities, features, availability and schedules are subject to change at U.S. Bank’s discretion

Program Support

Leverage our comprehensive, ongoing client services throughout your program’s lifecycle

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U.S. Bank Travel Solutions Choose from a full suite of travel solutions

Designed to your varying needs:

U.S. Bank Travel

Solutions

• Control and manage expenses

• Boost efficiencies

• Automate and streamline processes

• Support corporate travel policies

• Negotiate higher discounts withpreferred suppliers

• Improve financial return and revenue share fulfillment

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U.S. Bank Profile and ExpertiseRegionalConsumer & Business Banking & Wealth Management

2Q13 DimensionsAsset Size $353 billionDeposits $252 billionLoans $228 billionCustomers 17.6 millionNYSE Traded USBFounded 1863Bank Branches 3,087

Payment Services

Wholesale Banking andCommercial Real Estate

Wealth Management and Securities Services

Consumer and Small Business Banking

2Q13USB

Tier 1 Capital Ratio 11.1%Total Risk-basedCapital Ratio 13.3%

Leverage Ratio 9.5%Tier 1 CommonEquity Ratio 9.2%

Tangible CommonEquity Ratio 7.5%

NationalWholesale Banking & Trust Services

InternationalPayments

28%

19%9%

44%

Diversified Revenue MixRevenue by business line 2Q13 YTD

USB Capital Position

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A Market Leader in Payments

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TransportationTravel

Payables & Travel

Payables Fleet

Aviation

Healthcare

Please contact:

Name: Sandi HamptonTitle: AVP, Relationship Manager US BankEmail: Sandi.Hampton@usbank.com Phone: 208-265-5558

For More Information

©2013 U.S. Bank National Association. All trademarks are the property of their respective owners. CPS 1050 (R-08/13)

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