US Bancorp Jerry Speaks

Ed. Note: Of the many hundreds of comments we've received from www.usbank-5starscrewed.0catch.com, this is only the
fifth one that was negative. This one demanded a reply. This is the reply we sent to "John Smith". We didn't bother
replying to the later rants:

Ed. Reply:

Dear Jerry Grundh-------, I mean "John Smith". Thank you for taking the time to visit our web site and post a comment. I am
sure that our site has irritated the hell out of you. But that is exactly the point of it. Let me address your "points" first:

1) "US Bank is the eigth largest bank in the country with billions in revenue". Big deal. Enron was the largest energy
company in the world with revenues that dwarfed US Bank; and look where they ended up.

2) "No customer should be concerned that there information is not being protected"? US Bank got sued by half the
Attorneys General in the country for selling confidential customer information to telemarketers. That's protection? I
personally had someone at this company use my personal account information to create a fraudulent identification here on
yahoo to try to intimidate me. I later learned from an insider that any low level employee had almost unrestricted access to
sensitive customer information.

3) "This is a very secure bank; no customer should be concerned that their money is not being protected"? Look at the
stories and complaints on our Web site. Failed ATM transactions; lost deposits and payments; disappearing funds;
inappropriate withdrawals from accounts. What about the embezzlement scandals? Even the GAO is concerned that tax
payment funds collected by US Bank may not be adequately secured.

4) "Venting and frustation are generally normal, but, most people just exercise it off instead of spending time like this". I am
"exercising it off". I am exercising my right to expose the side of US Bank that you don't want anyone to know about.

5) "I'm suprised (sic) that your (sic) not sued but that's due to free speech. Lucky you don't have trademark logo's posted or
else you probably would've been"--- I am sure you would love to send your pit bull lawyers after us, but you know you don't
have a legal leg to stand on. Everything on our site is public record or otherwise verifiable as the truth. This is still America,
and we do have the right to freely express our opinions and disseminate the truthful information, even if it pisses the hell
out of arrogant asses like you.

6) "With any organization there is bad and good. You choose the bad. Other's choose the good things". ----- Wake up! Your
organization seems to have fallen over to the bad side. People don't take the time and energy to file lawsuits, write up
regulatory complaints, or create complaint web sites unless they have been severely wronged and gotten no satisfaction
from the offending company. Look at the facts. You have been steadily losing customers, a large number of your
employees hate your guts, the regulators are just waiting for you to make your next mis-step, and the greedy lawyers are
hovering with individual and class action lawsuits. Sounds like even the shareholders are getting ready to revolt now. That
is not the sign of a "good" organization. Do you really know what is going on, or are you too busy counting your millions?

7) What the hell is a "looser"?

If you were a truly concerned executive you would be livid about how your company has been operating. You would track
down each of the complaint we have identified and offer both an apology and maybe to make amends. Then you would
investigate why the mistakes happened so they can be prevented from happening again. But I don't expect to see any of
that. Maybe you are in denial. Maybe you think an empty promise and a $5 bill will satisfy most of the peons. Maybe you
really are clueless. Then again maybe you just don't give a damn.

You crossed the wrong person when you pissed off me. This web site will go on. It will continue to grow and be promoted.
Unlike the average complaint web site that gets only a hundred or so visitors a year, our site gets hundreds of thousands.
Thousands of people get the link each and every day. We are steadily climbing in the search engine ratings. Slowly all the
complaint web sites are exchanging links and forming a giant web of truth about US Bank. Soon you will find our site in the
top ratings with any search that includes the keyword "US Bank".

A Five Star Guarantee for YOU--- We are gathering every customer complaint, every news story about unethical or
inappropriate conduct, and information about every regulatory action and lawsuit. We will find every piece of dirt from your
past, and will be there for every mis-step you make in the future. And it will all be posted for the world to see on our web
site---- forever.

So there's the short of it (no pun intended). Don't take it personally. It's just business "John" : )

3 March 2003 John Smith Email Address : John.smith@nowhere.com Comments : R u joking me? This is the eigth
largest bank in the united states. With revenue near or over 160 billion and 55,000 employees. This is a very secure
bank and no customer should be concerned that their money or information is not being protected. We comply with
federal regulations concerning privacy and customer information. We are very active in supporting this initiative in
broad terms. Just because you had a bad experience, you take it out on a weak site like this. Venting and frustation
are generally normal, but, most people just exercise it off instead of spending time like this. I'm suprised that your not
sued but that's due to free speech. Lucky you don't have trademark logo's posted or else you probably would've been.
Anyways, there you have it. With any organization there is bad and good. You choose the bad. Other's choose the
good things. Looser! :(

8 March 2003 Dudley Do Right Email Address :DDR@yahoo.com Comments : Listen, if you had or owned a
business of this size, you would have customers or employees that don't like you or the business for some reason.
You cannot be everything to everyone and satisfy everyone. There will be individuals who feel that they have been
cheated, wasn't provided good customer service, etc. Just a fact of life in business. Too bad you had a bad
experience, quit your whining, and get over it. You and few others sound like a bunch of babies, whining,and crying
because, you didn't get a piece of candy. Grow up and become responsible and take responsibility. Just becuase you
weren't provided good customer service, you whine and bitch. Did you create additional website's for all the other
business that done you wrong? If not, why not? Don't pick and choose, be consistent in your bitch'n. Your not applying
bitching fairness you faggot, piece of shit!

12 March 2003 Dudley Do Right Email Address : Just seen you updated your column with the latest comments
(mine) and must say it was the largest - so far. After reading it, I am just stunned to as little as you know. Yes, it's your
right to express free speech, but why don't don't you do it right. Create a sight for BOA, Wells Fargo, Citicorp, their all
large finanical enterprises with idiots like you. You just don't get it do you? You can't be everything to everyone, so
there are ALWAYS going to be individuals like boneheads like you that feel jolted becuase you can't balance your
checkbook. I don't fear you so I'm glad I pissed you off. I don't care if you want to spend all your waking hours to
manage a low grade and below par web site like this. It's your life and your time to waste. There are many individuals
who won't even know about your sight, nor know enough about the internet to find it. It's by accident moron that they
find it and hit it, not by intentional motivation. Get a life and recog! nize your such a looser and failure in life.