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U.S. Bancorp Helped by Fee-Based Products  NEW YORK (Reuters) - U.S. Bancorp &lt;A HREF="http://www.investor.reuters.com/FullQuote.aspx?ticker=USB.N target=/stocks/quickinfo/fullquote"&gt;USB.N&lt;/A&gt;, the No. 6 U.S.  bank, on Thursday said third-quarter profit rose 12 percent,  helped by growing income from fee-based products and services  and a decline in bad loans. 