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U.S. Bancorp, a financial holding company, provides various financial services, including lending and depository services, cash management, foreign exchange, and trust and investment management services in the United States. Its depository services include checking accounts, savings accounts, and time certificate contracts. The company's loan portfolio primarily comprises loans and credit lines, home equity loans, student loans, auto loans, personal loans, and personal lines of credit. It also offers credit card services, merchant and automated teller machine (ATM) processing, mortgage banking, insurance, brokerage, leasing, and investment banking. The company also provides banking, brokerage, insurance, investment, mortgage, trust, and payment services to individuals, businesses, and institutions. U.S. Bancorp's other products and services include corporate services, payment services, private banking, personal and institutional trust services, corporate trust services, specialized large-scale government banking services, mortgage, commercial credit vehicles, and financial and asset management services. In addition, it provides check conversion products and services, including onsite electronic deposit and electronic cash letter, and health savings accounts. The company primarily invests in the U.S. treasury securities, obligations of state and political subdivisions, debt securities, mortgage-backed securities, and asset-backed securities. As of November 22, 2005, the company operated 2,411 branches and 4,999 ATMs in 24 states. U.S. Bancorp is headquartered in Minneapolis, Minnesota.