Legal Information
REGULATORY DISCLOSURES
“USAA” and “association” mean United Services Automobile Association and its affiliates. Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA County Mutual Insurance Company, USAA Texas Lloyd's Company, San Antonio, TX, and is available only to persons eligible for P&C group membership. To find out if you are eligible, contact USAA. Underwriting restrictions apply. Investments provided by USAA Investment Management Company and USAA Financial Advisors Inc., both registered broker dealers. USAA Brokerage Services is a division of USAA Financial Advisors Inc., a registered broker dealer. Financial planning services and financial advice provided by USAA Financial Planning Services Insurance Agency, Inc. USAA Financial Planning Services Insurance Agency, Inc. (known as USAA Financial Insurance Company in California, Lic. #0E36312), a registered investment adviser and insurance agency and its wholly owned subsidiary, USAA Financial Advisors, Inc., a registered broker dealer. USAA Wealth Management is a service of USAA. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. Managed Accounts is a service of USAA Investment Management Company (USAA), a registered investment adviser and broker dealer. USAA Strategic Fund Adviser® and USAA Global Opportunities Portfolio is a service of and USAA Private Investment Management® is a division of USAA Investment Management Company, a registered investment adviser and broker dealer. USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency) acts as an agent for select insurance companies to provide additional products to USAA members. LGA representatives are salaried and receive no commissions. Trust Services offered by USAA Federal Savings Bank. Credit cards provided by USAA Savings Bank, other bank products by USAA Federal Savings Bank, both Member FDIC.
Each company has sole financial responsibility for its own products.
INFORMATION ON USAA
What does USAA mean? USAA means United Services Automobile Association and its family of other companies that provide insurance, banking and investment products. Who is a USAA member? The term "member" generally refers to current USAA customers who are eligible for property and casualty insurance, and their spouses and children who are current USAA customers. Use of the term "member" does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights to USAA. Who is eligible for USAA auto and property insurance products? These products are available to current and former military members and their former dependents who meet certain membership eligibility criteria. Membership eligibility is subject to change. Adult children of USAA members are eligible to purchase USAA property and casualty insurance if their eligible parent purchased USAA property and casualty insurance. Eligible members with auto and property policies issued by United Services Automobile Association have ownership rights in USAA. Ownership rights, including Subscriber's Accounts, do not apply to policies issued by other insurers within the USAA family of companies or to business assigned/accepted because of state insurance plans. Refer to your insurance policy to determine which company you are insured with. Contact us to find out about the benefits of your membership.
OTHER
Investments/Insurance: Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten • May Lose Value
The content is not affiliated with or endorsed, implied or otherwise, by the United States Department of Defense or any government agency.
USAA and other names, logos, designs, titles, words or phrases in this publication may constitute trademarks, service marks, or trade names of USAA or other entities and may be registered in certain jurisdictions. Use of any such other names, logos, designs, titles, words or phrases does not imply affiliation, endorsement, or approval.
MEMBER PROFILE: MORRISONS
Auto Circle™ is a program provided by United Services Automobile Association. Availability, eligibility restrictions, and fees may apply to certain banking, insurance or ancillary products. USAA Car Buying Service and Lowest Price Guarantee provided and operated by TrueCar, Inc. on behalf of USAA. Each company has sole liability for its own products. USAA does not broker, sell, or lease motor vehicles.
To get the Lowest Price Guarantee, you must choose a dealer with a Lowest Price Guarantee icon. If you see a lower advertised price up to three days after you buy, you'll be covered. Applies to new vehicles purchased directly from a Low Price Certified Dealer or any USAA Certified Dealer on the USAA Car Buying Service. Visit usaa.com for complete guarantee terms and conditions. Guarantee is not available in Texas.
MEMBER PROFILE: ESCOBARS
Investing in securities products involves risk, including possible loss of principal.
There may be tax consequences associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation.
MEMBER PROFILE: VOGLER
You must qualify for USAA's Deposit@Home® and Deposit@Mobile®; eligibility for USAA Property and Casualty Insurance and credit qualification required.
LETTER FROM THE CHAIRMAN
A++ (Superior) from A.M. Best Co., highest of 16 possible ratings; AAA (Exceptional) from Moody's Investors Service, highest of 21 possible ratings; AAA (Extremely Strong) from Standard & Poor's, highest of 21 possible ratings.
LETTER FROM THE CEO
There is no guarantee or promise of future Subscriber's Account allocations or distributions, auto insurance dividends, bank rebates or rewards.
As USAA is an insurance provider open only to U.S. military personnel and their families, it is not included in J.D. Power and Associates rankings.
HOW WE SERVE YOU
Investing in securities products involves risk, including possible loss of principal.
Investments/Insurance: Not FDIC Insured · Not Bank Issued, Guaranteed or Underwritten · May Lose Value
Banking: USAA does not charge a fee for the first 10 ATM withdrawals and refunds up to $15 in other banks' ATM usage fees each month. A 1% foreign transaction fee applies to withdrawals outside the U.S.
Insurance: Average auto insurance premiums/savings based on countrywide survey of new customers from 10/1/09 through 9/30/10, who reported their prior insurers' premiums when they switched to USAA. Savings do not apply in MA.
Investments: Investments provided by USAA Investment Management Company and USAA Financial Advisors Inc., both registered broker dealers.
Advice: Financial planning services and financial advice provided by USAA Financial Planning Services Insurance Agency, Inc. USAA Financial Planning Services Insurance Agency, Inc. (known as USAA Financial Insurance Company in California, Lic. #0E36312), a registered investment adviser and insurance agency and its wholly owned subsidiary, USAA Financial Advisors, Inc., a registered broker dealer.
1. USAA does not charge a fee for the first 10 ATM withdrawals and refunds up to $15 in other banks' ATM usage fees each month. A 1% foreign transaction fee applies to withdrawals outside the U.S.
2. USAA Money Manager is not an investment advisory service of USAA.
3. To receive the special active-duty credit card benefits, you must tell us when you enter active duty, start a deployment/PCS, or complete service in a qualified military campaign. SCRA benefits will begin upon our receipt of notice of your active duty and will apply only to balances made before commencement of active duty. For other benefits, we must receive notice within 90 days after the start of deployment or PCS, or within six months after completion of a military campaign. We reserve the right to require documentation. A qualified military campaign is any war or military conflict in which the President of the United States of America issues an Executive Order establishing a campaign medal.
4. There is no guarantee or promise of future bank rebates or rewards.
5. MSRP savings based on the monthly average of actual new vehicle member prices compared to MSRP for the time period 06/01/2010 to 11/30/2010. The savings calculation does not include the savings from the USAA exclusive manufacturer incentives.
6. MoversAdvantage® offered by USAA Relocation Services, Inc., a licensed real estate broker and subsidiary of USAA Federal Savings Bank. Not available for employer-sponsored relocations, or for transactions in Iowa or outside the U.S. This is not a solicitation if you are already represented by a real estate broker. Cash bonus limited in some states. Bonus ranges from $350-$1,550 based on sale price of home sold/purchased. You must enroll in program before contacting participating real estate firm and be represented by that firm at closing to qualify for bonus.
Obtaining a mortgage from USAA Federal Savings Bank is optional, not required to utilize the MoversAdvantage® Program, and can be acquired from other sources.
7. Easy Deposit Service is offered only for single-party, personal checks. Cash, cashier's checks, money orders, foreign checks, savings bonds, business checks, traveler's checks, and multiple party checks are not eligible for Easy Deposit. High dollar deposits may not be available for immediate withdrawal.
Restrictions, fees and costs apply to certain Auto Circle™ and Home Circle™ products. Third parties are solely responsible for their performance. Visit usaa.com for complete terms and conditions.
OUR FINANCIAL STRENGTH
Highline Banking Data Services
Top 15 percent of peer group as of 3rd quarter 2010.
IDC Financial Publishing, Inc.
105 consecutive Superior ratings as of 3rd quarter 2010.
OUR RESPONSIBILITY
The USAA Foundation and The USAA Educational Foundation (the "Foundations") are nonprofit organizations sponsored by USAA. The Foundations do not endorse or promote any commercial supplier, product or service.
Volunteer value to the community calculated using most recent data from Independent Sector, a leadership forum for charities, foundations and corporate giving programs.
