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I forgot to mention that - I actually called in to ask about the "credit" term for the US Bank lease, and the answer was "yes", you do have to return the credit if you purchase at the end, so the really the effective residual is the sum of the "credit" line and the "residual" line for the US...

Thought I'd pass along the official dealer flyer. I'm not sure I'm supposed to have it, so I've tried to remove any identifying info from it. I hope it is useful! I've been to a few dealers, and it's become quite clear that dealers aren't bound to offer these terms, but it may be helpful...