<strong>USAA</strong> IS OURImparting the Core Values of Service, Loyalty, Honesty and IntegrityHighly Ranked in FORTUNE’s 100 Best Companies <strong>to</strong> Work For ®Norma RenteriaEMPLOYEE SINCE 2001You want Norma Renteria on your side.She <strong>to</strong>ok the call from a deployed military officerwho was already fighting one battle overseas.The member had just found out her homewas hours from entering foreclosure, and shefrantically called <strong>USAA</strong> for help.Norma quickly leapt in<strong>to</strong> the fray, using somequick thinking and more than a little determination<strong>to</strong> solve the problem and save themember’s house. The thankful officer was thenable <strong>to</strong> return her focus <strong>to</strong> where it belonged:on her troops in the field.Norma and <strong>USAA</strong> had her back, even fromseveral thousand miles away.Chris<strong>to</strong>pher WahlEMPLOYEE SINCE <strong>2010</strong>Chris<strong>to</strong>pher Wahl walks the walk while he talksthe talk.Only days after joining <strong>USAA</strong> as an investmentservices representative, Chris started getting theidea in his head that a second career might beperfect for him. Inspired by the active-duty andveteran military members he spoke with everyday, Chris decided <strong>to</strong> enlist in the Army Reservesand apply <strong>to</strong> Officer Candidate School.He will start basic training in May and attendOCS in August. But his job will be waiting forhim at <strong>USAA</strong> when his service is complete, andthen he’ll number among the 20 percent of<strong>USAA</strong> employees who are actively serving, haveserved or are military spouses.12 <strong>USAA</strong> <strong>2010</strong> REPORT TO MEMBERS
OUR MEMBERSHIPNearly 89 years ago, a group of 25 Army officers formed <strong>USAA</strong> when theybanded <strong>to</strong>gether <strong>to</strong> insure each other’s au<strong>to</strong>mobiles. Today, <strong>USAA</strong> is open <strong>to</strong>all those who have served their country honorably. In turn, we are proud <strong>to</strong>serve more than 8 million active-duty service members and veterans of allranks and grades, as well as their families.<strong>2010</strong> AT A GLANCEMEMBERSHIP INCREASED BY:617,000MEMBERSHIP GROWTH:MEMBER RETENTION:98%MEMBER SATISFACTION:97%19222519801.2M19902.0M20004.4M20097.4M<strong>2010</strong>8.0MOUR MOBILE MEMBERSHIP175%growth in useof <strong>USAA</strong> MobileNearly15,000logins <strong>to</strong> <strong>USAA</strong> Mobileevery hourMore than$6,000deposited viaDeposit@Mobile ®every minute$2 Billiondeposited safely and securely viasmart phones since Deposit@Mobilelaunched in 2009OUR AWARDS & ACCOLADES#1 “Best in Class”IN JAVELIN STRATEGY &RESEARCH’S <strong>2010</strong> MOBILEBANKING SCORECARDAugust 19, <strong>2010</strong><strong>2010</strong> J.D. Power U.S. Au<strong>to</strong> Insurance Study:<strong>USAA</strong> HIGHEST RATED INSURERAugust 3, <strong>2010</strong><strong>2010</strong> J.D. Power U.S. Homeowners Insurance Study:<strong>USAA</strong> HIGHEST RATED INSUREROc<strong>to</strong>ber 5, <strong>2010</strong>529 COLLEGE SAVINGS PLANRanked #1For 3-year and 5-yearperformance *by Savingforcollege.com, December 31, <strong>2010</strong>COMPUTERWORLD’S#1 Best Place <strong>to</strong> Workin Information TechnologyJune 21, <strong>2010</strong>InformationWeek’s<strong>2010</strong> TOP 10 MOSTINNOVATIVE COMPANIES(#7 Overall, #1 in Insurance)September 15, <strong>2010</strong>Top-RankedNamed CompanyBY CONSUMERS FORCUSTOMER ADVOCACY INBANKING AND INSURANCEForrester Research, Inc.,an independent research firm“Cus<strong>to</strong>mer Advocacy <strong>2010</strong>: How Cus<strong>to</strong>mersRate U.S. Banks, Investment Firms, andInsurers,” January 29, <strong>2010</strong>Ranked #2CUSTOMERSERVICE CHAMPSBloomberg Businessweek Magazine,February <strong>2010</strong>Only company ranked in <strong>to</strong>p two everyyear since list inception*Ranking based on the plan’s relevant portfolio performance in seven unique asset allocation categories. <strong>USAA</strong>’s College Savings Plan ranked No. 7 out of 49 for the 1-year period, ranked No. 1 out of 47 for the 3-yearperiod and ranked No. 1 out of 37 for the 5-year period, all as of December 31, <strong>2010</strong>.Consider the investment objectives, risks, charges and expenses of the <strong>USAA</strong> College Savings Plan (Plan) carefully before investing.Call 1-800-292-8825 <strong>to</strong> request a Plan Description and Participation Agreement containing this and other information about thePlan. Read it carefully before investing. If you or the beneficiary are not residents of the State of Nevada, consider before investingwhether your or the beneficiary’s home state offers a 529 plan that provides its taxpayers with state tax and other benefits notavailable through this Plan. Please consult your tax advisor.Investing in securities products involves risk, including possible loss of principal. Past performance is no guarantee of future results.Investment and insurance products are not deposits, not insured by FDIC or any government agency, not guaranteed by the Bank. Investment and certain insurance products may lose value.Investments provided by <strong>USAA</strong> Investment Management Company and <strong>USAA</strong> Financial Advisors Inc., both registered broker dealers.<strong>USAA</strong> <strong>2010</strong> REPORT TO MEMBERS 13