USAA 2010 Report to Members

USAA IS YOURANYTIME, ANYWHERE BANKERBanking can be convenient — even enjoyable — if you do business witha bank that puts its membership first. At USAA Bank, we believe that:Find out about USAAMobile banking and moreat usaa.com/mobile.Your financial needs are our top priority.That’s why we offer checking with no monthly service fees,ATM fee refunds, and credit cards with rich rewards andno annual fee. 1Making a deposit shouldn’t meanmaking a trip.We were the first to provide Deposit@Home, ® Deposit@Mobile ®and, most recently, USAA Easy Deposit for qualifyingmembers.USAA CREDIT CARDS OFFER AN AVERAGEANNUAL PERCENTAGE RATE THAT IS43% LOWERTHAN THE NATIONAL AVERAGE APR. *Banking is something you shouldbe able to do anywhere, anytime.To make your life easier, we offer free account alerts,Web BillPay ® and automatic budgeting help withthe USAA ® Money Manager personal budgeting tool 2 —all available on usaa.com or USAA’s mobile apps.Military life is special, so we providespecial benefits.For our active military members who are called toserve our country, we reimburse foreign transactionfees and lower credit card interest rates to 4 percent —even lower than the 6 percent the government requires. 3USAA BANK RETURNED$424 MILLIONTO MEMBERS IN THE FORM OFBANK REBATES (INCLUDING ATMFEES) AND REWARDS IN 2010. 4USAA IS YOURONE-STOP SHOPPER, LENDERAND INSURERUSAA Home Circle Buy, sell, finance, insure and even rentyour home at www.homecircle.com.GET UP TO A$3,100 CASH BONUSWHEN YOU BUY AND SELL YOURHOME VIA USAA MOVERSADVANTAGE, ®A PART OF HOME CIRCLE. 6USAA Auto Circle Find, finance and insure yournew vehicle at www.autocircle.comor on your USAA Mobile App foriPhone ® or Android. USAA MEMBERS SAVE AN AVERAGE OF$4,573 OFF MSRPWHEN BUYING A NEW CAR OR TRUCKTHROUGH AUTO CIRCLE. 5USAA IS YOURRETIREMENT ADVISORBy choosing USAA to assist in your retirement plan, you selectedthe services of licensed advisors who see the big picture and worktogether toward a common goal: turning your hard-earnedsavings into a retirement plan. At USAA Retirement Solutions,we believe that:Your life is built on a strong set of values.Your retirement plan should be, too.If service, loyalty, honesty and integrity are the keys to developing a retirementplan, we can help you. Plus, no other financial services organization knows themilitary like USAA.You shouldn’t feel pressured.We understand that making informed choices takes time — and consideration.Our retirement advisors work on salary, so we’re committed to servingyour interests.A multilayered retirement plan with plenty ofchoices is a must.USAA offers a full range of retirement services, including income and assetmanagement strategies, legacy planning and health care solutions.HAVING ENOUGH MONEY SAVED FOR RETIREMENTIS THE NO. 1 FINANCIAL CONCERN OF OUR MEMBERS.IN 2010, USAA HELPED MEMBERSNEARLY 500,000 TIMES IN PREPARINGFOR THEIR RETIREMENT.USAA IS YOURMAKE-LIFE-EASY INNOVATORUSAA App for iPad ®Built from the ground up to fully leverage the interactivityof the iPad, ® the app delivers many of the transactionalfeatures already found on USAA’s App for iPhone, ® but alsoadds world-class content, news and advice.GO TO THE APPLE ® IPAD ®APP STORE ® TO DOWNLOAD THEFREE USAA APP FOR IPAD.USAA Easy DepositOur newest way for you to instantlytransfer checks for deposit in yourUSAA checking or savings account. 7USAA EASY DEPOSITWILL BE AVAILABLE AT1,900 LOCATIONSOF THE UPS STORETHROUGHOUT THECOUNTRY BY APRIL.USAA Financial CentersAt select locations in the U.S., you can now stop inand meet face to face with service representativesto open a bank account or auto insurance policy,or get help on more complex financial decisions byvideoconferencing with a USAA financial planner.On-site USAA ATMs also make bank transactions easy.FIND A USAA FINANCIAL CENTERLOCATION NEAR YOU ATUSAA.COM/FINANCIALCENTER.*Argus Information and Advisory Services: 3Q 2010 Key Performance Indicator Study.You must qualify for USAA’s Deposit@Home ® and Deposit@Mobile; ® eligibility for USAA property and casualty insurance and credit qualification required.See more legal information on Page 21.USAA 2010 REPORT TO MEMBERS 11