Why is it important to start investing early? Two words: Compound growth. Compound growth is when earnings on your investments are reinvested to generate additional earnings. Put simply, it’s when you earn interest on both your initial investment and the accumulated interest. [BAR CHART VISUAL] AGE 25 → AGE 65 YOUR CONTRIBUTIONS ($5,000 YEARLY, $205,000 TOTAL) COMPOUNDED RETURNS ($935,583 TOTAL) TOTAL VALUE OF YOUR INVESTMENT: $1,140,583 [ASSUMES 7% ANNUAL RETURN – FOR ILLUSTRATIVE PURPOSES ONLY] This means that the earlier you start investing, the more time you'll have for growth to compound and help you meet your financial goals. The longer you wait to start investing, the less time you'll have for compounding growth to help you. Take the next step. Start investing today. usbank.com/invest Disclosures: Investment products and services are: NOT A DEPOSIT · NOT FDIC INSURED · MAY LOSE VALUE · NOT BANK GUARANTEED · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. U.S. Wealth Management – U.S. Bank is a marketing logo for U.S. Bank. The information provided represents the opinion of U.S. Bank and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation. U.S. Bank and its representatives do not provide tax or legal advice. Your financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. Equal Housing Lender. © 2026 U.S. Bank. Member FDIC.