cleanup

chat_bot/process_policies.py

@@ -0,0 +1,151 @@
+import fitz  # PyMuPDF for PDF handling
+import re
+import csv
+import pytesseract
+from PIL import Image
+import pdf2image
+
+
+def convert_pdf_to_text_ocr(pdf_path, txt_path):
+    pages = pdf2image.convert_from_path(pdf_path, 300)
+    text_output = ''
+    for page in pages:
+        text_output += pytesseract.image_to_string(page)
+    ##write to output_path
+   
+    with open(txt_path, 'w') as f:
+        f.write(text_output)
+    return text_output
+
+def parse_policy_info(text):
+    policy_info = {}
+
+    policy_number = re.search(r'POLICY NUMBER\s*:\s*(\S+)', text)
+    effective_date = re.search(r'EFFECTIVE\s+(\S+)\s+TO\s+(\S+)', text)
+    named_insured = re.search(r'Named Insured and Address\s*([\w\s]+)\s', text)
+    address = re.search(r'Address\s*([\d\w\s]+)\s*', text)
+
+    if policy_number:
+        policy_info['policy_number'] = policy_number.group(1)
+    if effective_date:
+        policy_info['effective_date'] = effective_date.group(1)
+        policy_info['expiration_date'] = effective_date.group(2)
+    if named_insured:
+        policy_info['named_insured'] = named_insured.group(1).strip()
+    if address:
+        policy_info['address'] = address.group(1).strip()
+
+    return policy_info
+
+def parse_contact_info(text):
+    contact_info = {}
+
+    insurance_company = re.search(r'Insurance Company\s*:\s*([\w\s]+)', text)
+    customer_service = re.search(r'customer service\s*:\s*(\d+-\d+-\d+)', text)
+    claims = re.search(r'claims\s*:\s*(\d+-\d+-\d+)', text)
+    website = re.search(r'website\s*:\s*(\S+)', text)
+    mailing_address = re.search(r'Mailing Address\s*:\s*([\d\w\s,]+)', text)
+
+    if insurance_company:
+        contact_info['insurance_company'] = insurance_company.group(1).strip()
+    if customer_service:
+        contact_info['customer_service'] = customer_service.group(1).strip()
+    if claims:
+        contact_info['claims'] = claims.group(1).strip()
+    if website:
+        contact_info['website'] = website.group(1).strip()
+    if mailing_address:
+        contact_info['mailing_address'] = mailing_address.group(1).strip()
+
+    return contact_info
+
+def parse_vehicle_info(text):
+    vehicles = []
+    # Adjust the regex pattern to match the vehicle details format in your text.
+    # Example format in text: "Vehicle Make/Model/Vehicle Identification Number Year"
+    vehicle_info = re.findall(r'VEHICLE\s+(Make/Model/Vehicle Identification Number)\s+(\d{4})\n', text)
+
+    for info in vehicle_info:
+        vehicle = {
+            'make': info[0].split()[0],  # Assuming make is the first word before the space
+            'model': ' '.join(info[0].split()[1:-2]),  # Assuming model is the words between make and VIN
+            'vin': info[0].split()[-2],  # Assuming VIN is the second last word
+            'year': info[1],  # Year is captured separately in the regex
+            'usage': 'Pleasure',  # Default to Pleasure, adjust if found in text
+            'annual_mileage': None  # Set to None, adjust if found in text
+        }
+        vehicles.append(vehicle)
+    
+    return vehicles
+
+def parse_coverage_info(text):
+    coverages = []
+
+    coverage_info = re.findall(r'PART\s+(\w+)\s+[-\w\s]*\n([^\n]+)', text)
+    for info in coverage_info:
+        coverage = {
+            'type': info[0],
+            'limits_of_liability': info[1].strip(),
+            'deductible': None  # Set to None, adjust if found in text
+        }
+        coverages.append(coverage)
+    
+    return coverages
+
+def parse_discounts(text):
+    discounts = []
+
+    discount_info = re.findall(r'(\w+\s+\w+)\s+DISCOUNT\s+-\$\s*(\d+\.\d+)', text)
+    for info in discount_info:
+        discount = {
+            'type': info[0].strip(),
+            'amount': f"-${info[1]}"
+        }
+        discounts.append(discount)
+    
+    return discounts
+
+def parse_additional_info(text):
+    additional_info = {}
+
+    total_premium = re.search(r'TOTAL PREMIUM\s*\$\s*(\d+\.\d+)', text)
+    premium_due = re.search(r'PREMIUM DUE AT INCEPTION', text)
+    policy_changes = re.findall(r'ENDORSEMENTS\s*:\s*([\w, ]+)', text)
+
+    if total_premium:
+        additional_info['total_premium'] = f"${total_premium.group(1)}"
+    if premium_due:
+        additional_info['premium_due_at_inception'] = "Yes"
+    if policy_changes:
+        additional_info['policy_changes'] = [change.strip() for change in policy_changes]
+
+    return additional_info
+
+def parse_compliance_info(text):
+    compliance_info = {}
+
+    state_requirements = re.search(r'state requirements\s*:\s*([\w\s]+)', text)
+    coverage_rejections = re.search(r'coverage rejections\s*:\s*([\w\s]+)', text)
+
+    if state_requirements:
+        compliance_info['state_requirements'] = state_requirements.group(1).strip()
+    if coverage_rejections:
+        compliance_info['coverage_rejections'] = coverage_rejections.group(1).strip()
+
+    return compliance_info
+
+def create_schema(text):
+    schema = {
+        'policy_info': parse_policy_info(text),
+        'contact_info': parse_contact_info(text),
+        'vehicles': parse_vehicle_info(text),
+        'coverages': parse_coverage_info(text),
+        'discounts': parse_discounts(text),
+        'additional_info': parse_additional_info(text),
+        'compliance_info': parse_compliance_info(text)
+    }
+    return schema
+
+
+
+

chat_bot/simple_chat_git.py

@@ -0,0 +1,168 @@
+import os
+import openai
+import csv
+import zipfile
+import pandas as pd
+from utilities import constants, api_keys, clean_text, prompt_constants
+from embedding_tools import create_embedding_from_repo
+
+openai.api_key = api_keys.APIKeys().get_key('OPENAI_API_KEY')
+messages=[]
+
+def extract_zip_to_directory(zip_path, extract_path):
+    """Extracts a zip file to a specified directory."""
+    with zipfile.ZipFile(zip_path, 'r') as zip_ref:
+        zip_ref.extractall(extract_path)
+
+def find_code_files(directory, extensions):
+    """Recursively finds files with specified extensions in a directory."""
+    file_paths = []
+    for root, dirs, files in os.walk(directory):
+        for file in files:
+            if any(file.endswith(ext) for ext in extensions):
+                full_path = os.path.join(root, file)
+                file_paths.append(full_path)
+    return file_paths
+
+def read_file(file_path):
+    """Attempts to read a file and return its content; skips binary files."""
+    try:
+        with open(file_path, 'r', encoding='utf-8') as file:
+            return file.read()
+    except Exception as e:
+        print(f"Skipped {file_path}: {e}")
+        return None
+
+
+def CreateCSV(text_chunks):
+    with open(constants.GIT_CSV_PATH, 'w', newline='') as csvfile:
+        csv_writer = csv.writer(csvfile)
+        # Iterate through the chunked_text array and write each chunk as a row
+        i=0
+        for chunk in text_chunks:
+            print(str(i) + ": " + chunk)
+            i+=1
+            csv_writer.writerow([chunk])
+    print(constants.GIT_CSV_PATH + " saved")
+
+###
+def create_chunks(transcript, length):
+    """Breaks transcript into chunks based on specified length and whitespace/punctuation."""
+    total_length = len(transcript)
+    print("total_length: ", total_length, " legnth: " , str(length))
+    segment_length = length
+    segment_indices = [i for i in range(segment_length - 1, total_length, segment_length)]
+    text_chunks = []
+    start_idx = 0
+    for end_idx in segment_indices:
+        while end_idx > start_idx and transcript[end_idx]:
+            end_idx -= 1
+        if end_idx > start_idx:
+            text_chunks.append(transcript[start_idx:end_idx])
+            start_idx = end_idx + 1
+    if start_idx < total_length:
+        text_chunks.append(transcript[start_idx:])
+    return text_chunks
+
+
+def CreateEmbeddings(zip_input_path, git_txt_output_path):
+    ''' if os.path.exists(constants.GIT_PKL_PATH):
+        df = pd.read_pickle(constants.GIT_PKL_PATH)
+        create_embedding_from_repo.CreateEmbeddingsFlat(constants.GIT_CSV_PATH, constants.GIT_PKL_PATH)
+        return df
+    '''
+    extract_path = "extracted_repo"
+    #extract_zip_to_directory(zip_input_path, extract_path)
+    file_paths = find_code_files(extract_path, ('.pdf'))
+    text_chunks = []
+    for file_path in file_paths:
+        content = read_file(file_path)
+        if content:
+            text_chunks.append=(create_chunks(content, constants.EMBEDDING_CHUNK_LENGTH))
+    CreateCSV(text_chunks)
+    print("\n**done")
+    create_embedding_from_repo.CreateEmbeddingsFlat(constants.GIT_CSV_PATH, constants.GIT_PKL_PATH)
+    df = pd.read_pickle(constants.GIT_PKL_PATH)
+    #shutil.rmtree(extract_path)  # Clean up extracted files
+    return df
+###
+def create_chunks_orig(transcript, length):
+    """Breaks transcript into chunks based on specified length and whitespace/punctuation."""
+    total_length = len(transcript)
+    print("total_length: ", total_length, " legnth: " , str(length))
+    segment_length = length
+    segment_indices = [i for i in range(segment_length - 1, total_length, segment_length)]
+    text_chunks = []
+    start_idx = 0
+    for end_idx in segment_indices:
+        while end_idx > start_idx and transcript[end_idx]:
+            end_idx -= 1
+        if end_idx > start_idx:
+            text_chunks.append(transcript[start_idx:end_idx])
+            start_idx = end_idx + 1
+    if start_idx < total_length:
+        text_chunks.append(transcript[start_idx:])
+    return text_chunks
+
+def CreateCSV(text_chunks):
+    with open(constants.GIT_CSV_PATH, 'w', newline='') as csvfile:
+        csv_writer = csv.writer(csvfile)
+        # Iterate through the chunked_text array and write each chunk as a row
+        i=0
+        for chunk in text_chunks:
+            print(str(i) + ": " + chunk)
+            i+=1
+            csv_writer.writerow([chunk])
+    print(constants.GIT_CSV_PATH + " saved")
+
+def CreateEmbeddingsOrig(zip_input_path, git_txt_output_path):
+    if os.path.exists(constants.GIT_PKL_PATH):
+        df = pd.read_pickle(constants.GIT_PKL_PATH)
+        create_embedding_from_repo.CreateEmbeddingsFlat(constants.GIT_CSV_PATH, constants.GIT_PKL_PATH)
+        return df
+    
+    extract_path = "extracted_repo"
+    extract_zip_to_directory(zip_input_path, extract_path)
+    file_paths = find_code_files(extract_path, ('.py', '.js', '.ts', '.json', '.html', '.css', '.cpp', '.c', '.java', '.yaml', '.sql'))
+    text_chunks = []
+    for file_path in file_paths:
+        content = read_file(file_path)
+        if content:
+            text_chunks.append=(create_chunks(content, constants.EMBEDDING_CHUNK_LENGTH))
+    CreateCSV(text_chunks)
+    print("\n**done")
+    create_embedding_from_repo.CreateEmbeddingsFlat(constants.GIT_CSV_PATH, constants.GIT_PKL_PATH)
+    df = pd.read_pickle(constants.GIT_PKL_PATH)
+    #shutil.rmtree(extract_path)  # Clean up extracted files
+    return df
+
+
+def Completion(messages):
+    response = openai.ChatCompletion.create(
+        model="gpt-4", 
+        messages=messages
+    )
+    cleaned_text= clean_text.RemoveRole(response["choices"][0]["message"]["content"])
+    return cleaned_text
+
+def QueryEmbeddingsSimple(query):
+    global messages
+    best_answer= create_embedding_from_repo.QueryEmbeddingsFlat(query)
+    prompt= prompt_constants.GIT_EXPERT_PROMPT
+
+    context_text = f"Using this context: {best_answer}"
+    messages.append({"role": "system", "content": context_text})
+
+    prompt_text = f"Using this prompt: {prompt}"
+    messages.append({"role": "system", "content": prompt_text})
+
+    query_text = f"Answer this question: {query}"
+    messages.append({"role": "user", "content": query_text})
+  
+    system_message = Completion(messages)
+    messages.append({"role": "assistant", "content": system_message})
+
+    print("system_message: ")
+    print(system_message)
+    df = pd.DataFrame(messages)
+    return system_message, df 

chat_bot/ui_simple_chat_git.py

@@ -0,0 +1,26 @@
+import gradio as gr
+import pandas as pd
+from utilities import constants
+from chat_bot import simple_chat_git
+
+def InitDF():
+    global gitDF
+    gitDF=pd.DataFrame({"role": [""], "content": [""] })
+    ### changing to input -> pdf, output -> csv
+    simple_chat_git.CreateEmbeddings(constants.POLICY_INPUT, constants.POLICY_OUTPUT)
+
+def Respond(message, chat_history):
+    bot_message,df=simple_chat_git.QueryEmbeddingsSimple(message)
+    chat_history.append((message, bot_message))
+    return "", chat_history,df
+
+with gr.Blocks() as ui:
+    label = gr.Label(show_label=False, value="GIT CHAT", container=False)
+    question= gr.Textbox (label=constants.QUESTIONS_PREFIX, value=constants.QUESTIONS_AR_EXPERT)
+    chatbot = gr.Chatbot(label=constants.CHAT_BOT, height=constants.CHAT_BOT_HEIGHT)
+    msg = gr.Textbox(label=constants.CHAT_BOT_INPUT)    
+    gitDF = gr.DataFrame(type="pandas", value=pd.DataFrame({"role": [""], "content": [""] }), wrap=True, label=constants.OPENAI_LOG)
+    clear = gr.ClearButton([msg, chatbot])
+    msg.submit(Respond, [msg, chatbot], [msg, chatbot, gitDF])
+
+InitDF()

embedding_tools/create_embedding_from_repo.py

@@ -0,0 +1,71 @@
+import os
+import pandas as pd
+from openai.embeddings_utils import get_embedding, cosine_similarity
+
+git_info=None
+
+def CreateEmbeddingsQA(input_path, output_path):
+    global git_info
+    if os.path.exists(output_path):
+        git_info = pd.read_pickle(output_path) 
+    else:
+        git_info = pd.read_csv(input_path)
+        git_info['embedding'] = git_info['answer'].apply(lambda row: get_embedding(str(row), engine='text-embedding-ada-002'))
+        git_info.to_pickle(output_path) 
+
+def CreateEmbeddingsFlat(input_path, output_path):
+    global git_info
+    
+    print("CreateEmbeddingsFlat input_path:", input_path)
+    print("CreateEmbeddingsFlat output_path:", output_path)
+    
+    if os.path.exists(output_path):
+        print("Output file exists. Reading from pickle...")
+        git_info = pd.read_pickle(output_path) 
+        print("Loaded from PKL file.")
+    else:
+        print("Output file does not exist. Reading from CSV...")
+        git_info = pd.read_csv(input_path)
+        print("Loaded from CSV file.")
+        git_info.columns = ['data']
+        print("Columns renamed.")
+        git_info['embedding'] = git_info['data'].apply(lambda row: get_embedding(str(row), engine='text-embedding-ada-002'))
+        print("3 Loaded from CSV file.")
+        git_info.to_pickle(output_path) 
+        print("4 Loaded from CSV file.")
+
+    print(f"embedding_info type: {type(git_info)}")
+    print(f"embedding_info is None: {git_info is None}")
+
+
+#-------------  #2:  fetch embeddings context  using text-embedding-ada-002 engine/cosine_similarity for lookup ----------------
+def QueryEmbeddings(question):
+    global git_info
+    question_vector = get_embedding(question, engine='text-embedding-ada-002')
+    # Compute the cosine similarity
+    git_info["similarities"] = git_info['embedding'].apply(lambda x: cosine_similarity(x, question_vector))
+    sorted_git = git_info.sort_values("similarities", ascending=False).head(5)
+    print ("sorted_git", sorted_git)
+    best_answer = sorted_git.iloc[0]['answer']
+    print("Question: "+question)
+    print("Top question: "+ sorted_git.iloc[0]['question'])
+    print("Best answer: ", best_answer)
+    return best_answer
+
+
+def QueryEmbeddingsFlat(query):
+    global git_info
+    question_vector = get_embedding(query, engine='text-embedding-ada-002')
+    best_answer="No embeddings."
+    print(git_info is None)  # Should be False
+    if git_info is not None and not git_info.empty:        
+        print("git_info: ")
+        print(git_info) 
+        git_info["similarities"] = git_info['embedding'].apply(lambda x: cosine_similarity(x, question_vector))
+        sorted_matches = git_info.sort_values("similarities", ascending=False).head(5)
+        best_answer = sorted_matches.iloc[0]['data']
+        print("query: "+query)
+    else:
+        print("git_info is None")
+    print("Best answer: git_info ", best_answer)
+    return best_answer

utilities/data/csv/policy.csv

@@ -0,0 +1,13 @@
+Policy Info Named Insured: a  é  GREGORY H CARTER 2004 HEADWATER LN AUSTIN TX
+Policy Info Address: of Insured  GREGCRY H CARTER 2004 HEADWATER LN AUSTIN TX 78746
+Coverages 0 Type: D
+Coverages 0 Limits Of Liability: COMPREHENSIVE LOSS ACV LESS |D 200} 115.97D 200] 165.74D 200
+Coverages 0 Deductible: None
+Coverages 1 Type: A
+"Coverages 1 Limits Of Liability: The definition of ""Covered person"" is deleted in its entirety and replaced by the following:"
+Coverages 1 Deductible: None
+Coverages 2 Type: E
+Coverages 2 Limits Of Liability: B.3.b. is deleted and replaced by the following:
+Coverages 2 Deductible: None
+Additional Info Premium Due At Inception: Yes
+Additional Info Policy Changes 0: ADDED 07

utilities/data/pkl/policy.pkl

@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:72c4a25dbc6162e52fa1e9799300c5981c81e1561aa031c240ecbdb08e2ae377
+size 167306

utilities/data/txt/policy.txt

@@ -0,0 +1,1419 @@
+PAGE 1
+USAA 00872 11 26 7107
+
+a
+
+&
+5,
+
+05/30/24
+
+GREGORY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+00872 11 26
+
+TXMP(01) 12-18 134227-0119__01
+PAGE 2
+
+THIS PAGE INTENTIONALLY LEFT BLANK
+a
+
+&
+E,
+
+Where you can get information
+or make a complaint
+
+If you have a problem with a claim or your
+premium, call your insurance company or HMO
+first. If you can’t work out the issue, the Texas
+Department of Insurance may be able to help.
+
+United Services Automobile Association
+
+To get information or file a complaint with your
+insurance company:
+Call: 210-531-USAA (8722)
+Toll-free: 1-800-531-USAA (8722)
+Online: usaa.ccom
+Mail: 9800 Fredericksburg Road,
+San Antonio, Texas 78288
+
+The Texas Department of Insurance
+
+To get help with an insurance question, learn
+about your rights, or file a complaint with the
+state:
+
+Call: 1-800-252-3439
+Online: www.tdi.texas.gov
+E-mail: ConsumerProtection@tdi.texas.gov
+Mail: Consumer Protection MC: CO-CP,
+Texas Department of Insurance,
+PO Box 12030, Austin, TX 78711-2030
+
+To compare policies and prices
+
+Visit HelpInsure.com to compare prices and
+coverages on home and auto insurance policies.
+The website is a service of the Texas
+Department of Insurance and the Office of
+Public Insurance Counsel.
+
+AQ250U(03) 09-23
+
+PAGE 3
+USAA 00872 11 26 7107
+
+Donde puede obtener informacion
+o presentar una queja
+
+Si tiene una pregunta o un problema con una
+reclamaci6n o con su prima de_ seguro,
+comuniquese primero con su compania de seguros.
+Usted también puede obtener informacién o
+presentar una queja ante el Departamento de
+Seguros de Texas (Texas Department of Insurance,
+por sunombre en inglés).
+
+United Services Automobile Association
+
+Para obtener informacién o para presentar una
+queja ante su compania de seguros:
+
+Llame: 210-531-USAA (8722)
+
+Tel 'efono gratuito: 1-800-531-USAA (8722)
+
+En linea: usaa.com
+Direccidn postal: 9800 Fredericksburg Road
+San Antonio, TX 78288
+
+El Departamento de Seguros de Texas
+
+Para obtener ayuda con una pregunta relacionada
+con los seguros, para conocer sus derechos 0 para
+presentar una queja ante el estado:
+
+Llame: 1-800-252-3439
+En linea: www.tdi.texas.gov
+Correo electrénico:
+ConsumerProtection@tdi.texas.gov
+Direccién postal: Consumer Protection MC:
+CO-CP, Texas Department of
+Insurance,
+PO Box 12030, Austin,
+TX 78711-2030
+
+Para comparar polizas y precios
+
+Visite HelpInsure.com para comparar precios y
+coberturas en podlizas de seguro para el hogar y
+automovil. El sitio web es un _ servicio del
+Departamento de Seguros de Texas y de la Oficina
+del Asesor Publico de Seguros (Office of Public
+Insurance Counsel, por su nombre en inglés).
+
+131714-0723_01
+Page 1 of 1
+y///
+
+5
+S
+
+ar
+
+PAGE
+MAIL MCH-M-I
+7987 Y1392
+MAY 30, 2024
+
+AUTOMOBILE POLICY PACKET
+
+GREGORY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+USAA 00872 11267107 4
+
+POLICY PERIOD: EFFECTIVE JUL 29 2024 TO JAN 29 2025
+
+Refer to your Declarations Page and endorsements to verify that coverages, limits, deductibles and other
+policy details are correct and meet your insurance needs. Required information forms are also enclosed
+
+IMPORTANT MESSAGES
+
+for your review.
+
+ACS1
+
+Check your vehicle for a safety recall today! Visit www.usaa.com/autorecall
+to learn more.
+
+Your Uninsured Motorists/Underinsured Motorists Coverage (UM/UIM) and
+Uninsured Motorists Property Damage (UMPD) selection/rejection remains in
+effect. You may quote different coverage limits and make changes at any
+time to your policy on usaa.ccom. Or you may call us at
+
+1-800-531—-USAA (8722).
+
+Your Personal Injury Protection (PIP) selection/rejection remains in
+effect. You may quote different coverage limits and make changes at any
+time to your policy on usaa.ccom. Or you may call us at
+1-800-531-USAA (8722).
+
+The cost of your attached policy may include an assessment charge to
+reimburse USAA for funds paid to the Texas Volunteer Fire Department
+Assistance Fund. This assessment is imposed on USAA and other insurers in
+Texas to help volunteer fire departments with equipment and training
+expenses. The assessment charge is applied regardless of your location and
+whether your responding station is a paid or volunteer department. If
+applicable the assessment charge is shown on your Declarations page.
+
+Your safety matters to USAA. Visit http://usaa.com/autoadvice for our
+latest auto insurance and driving safety tips.
+
+This is not a bill. Any premium charge or change for this policy will be reflected on your
+next regular monthly statement. Your current billing statement should still be paid by
+the due date indicated.
+
+To receive this document and others electronically, or manage your Auto Policy online,
+go to usaa.com.
+
+For U.S. calls: Policy Service (800) 531-8111. Claims (800) 531-8222.
+
+4
+
+49708-0406
+THIS PAGE INTENTIONALLY LEFT BLANK
+
+PAGE
+
+5
+PAGE 6
+USAA 00872 11 26 7107 4
+
+AUTOMOBILE POLICY PACKET CONTINUED
+
+Your policy includes Ride Share Gap Protection. Safety is a top priority
+for USAA, and we encourage our members to avoid driving while distracted,
+including while engaging in ride sharing activities.
+
+Your credit—based insurance score, or insurance score, was one of several
+factors used in determining your auto policy premium. We order your
+credit—based insurance score at issue and you have the right to request,
+once annually, for USAA to obtain and use your most updated credit
+information if such use reduces your premium.
+
+USAA considers many factors when determining your premium. Maintaining
+safe driving habits is one of the most important steps you can take in
+keeping your premium as low as possible. A history of claim or driving
+activity and your USAA payment history may affect your policy premium.
+
+We have provided your ID cards in this packet. You can use the cards
+to show proof of insurance, if necessary.
+
+ACS2
+TEXAS LIABILITY INSURANCE CARD
+
+Name and Address of Insured
+
+GREGCRY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+o- one
+
+Insurance Company
+UNITED SERVICES AUTOMOBILE ASSN
+
+Policy Number Effective Date
+
+00872 11 2U 7107 4 07/29/24
+
+Vehicle Make/Model/Vehicle Identification Number Year
+FIT SW JHMGE88289S056529 2009
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy.
+
+Expiration Date
+01/29/25
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+motor vehicle registration
+driver's license
+motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+
+Automobile Insurance Identification Cards
+
+We've issued two identification cards as evidence of liability insurance for your vehicle(s). These cards are valid only as long
+as liability insurance remains in force. Keep a copy of the ID card in your vehicle at all times.
+
+You may be required to produce your identification card at vehicle registration or inspection, when applying for a driver's
+license, following an accident, or upon a law enforcement officer's request.
+
+53TX1 Rev. 06-13 05/30/24
+
+TEXAS LIABILITY INSURANCE CARD
+
+Name and Address of Insured
+
+GREGCRY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+Insurance Company
+UNITED SERVICES AUTOMOBILE ASSN
+
+Policy Number Effective Date Expiration Date
+07/29/24 01/29/25
+
+00872 11 2U§ 7107 4
+Vehicle Make/Model/Vehicle Identification Number Year
+JHMGE88289S056529 2009
+
+a-om
+
+HONDA FIT SW
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy. |
+
+62882-0513__02
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+motor vehicle registration
+driver's license
+motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+TEXAS LIABILITY INSURANCE CARD
+
+Name and Address of Insured
+
+GREGCRY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+o- one
+
+Insurance Company
+UNITED SERVICES AUTOMOBILE ASSN
+
+Policy Number Effective Date
+
+00872 11 2U 7107 4 07/29/24
+
+Vehicle Make/Model/Vehicle Identification Number Year
+TOYOTA SIENNA 5TDJZ3DC5HS 179225 2017
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy.
+
+Expiration Date
+01/29/25
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+- motor vehicle registration
+- driver's license
+- motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+
+Automobile Insurance Identification Cards
+
+We've issued two identification cards as evidence of liability insurance for your vehicle(s). These cards are valid only as long
+as liability insurance remains in force. Keep a copy of the ID card in your vehicle at all times.
+
+You may be required to produce your identification card at vehicle registration or inspection, when applying for a driver's
+license, following an accident, or upon a law enforcement officer's request.
+
+53TX2 Rev. 06-13 05/30/24
+
+TEXAS LIABILITY INSURANCE CARD
+
+Name and Address of Insured
+
+GREGCRY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+Insurance Company
+UNITED SERVICES AUTOMOBILE ASSN
+
+Policy Number Effective Date Expiration Date
+07/29/24 01/29/25
+
+00872 11 2U§ 7107 4
+Year
+
+Vehicle Make/Model/Vehicle Identification Number
+TOYOTA SIENNA 5TDJZ3DC5HS 179225 2017
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy. |
+
+a-om
+
+62882-0513__02
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+- motor vehicle registration
+- driver's license
+- motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+TEXAS LIABILITY INSURANCE CARD
+Name and Address of Insured
+
+GREGCRY H CARTER
+MEGAN L HALEY
+
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+o- one
+
+Insurance Company
+UNITED SERVICES AUTOMOBILE ASSN
+
+Policy Number Effective Date
+
+00872 11 2U 7107 4 07/29/24
+
+Vehicle Make/Model/Vehicle Identification Number Year
+KIA NIRO KNDCD@LD3N5536517 2022
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy.
+
+Expiration Date
+01/29/25
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+- motor vehicle registration
+- driver's license
+- motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+
+Automobile Insurance Identification Cards
+
+We've issued two identification cards as evidence of liability insurance for your vehicle(s). These cards are valid only as long
+as liability insurance remains in force. Keep a copy of the ID card in your vehicle at all times.
+
+You may be required to produce your identification card at vehicle registration or inspection, when applying for a driver's
+license, following an accident, or upon a law enforcement officer's request.
+
+53TX3 Rev. 06-13 05/30/24
+
+TEXAS LIABILITY INSURANCE CARD
+
+Name and Address of Insured
+
+GREGCRY H CARTER
+MEGAN L HALEY
+
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+Insurance Company
+
+UNITED SERVICES AUTOMOBILE ASSN
+Policy Number Effective Date Expiration Date
+Vehicle Make/Model/Vehicle Identification Number Year
+2022
+
+a-om
+
+KIA NIRO KNDCDBLD3N5536517
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy.
+
+62882-0513__02
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+- motor vehicle registration
+- driver's license
+- motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+TEXAS LIABILITY INSURANCE CARD
+
+Name and Address of Insured
+
+GREGCRY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+o- one
+
+Insurance Company
+UNITED SERVICES AUTOMOBILE ASSN
+
+Policy Number Effective Date
+
+00872 11 2U 7107 4 07/29/24
+
+Vehicle Make/Model/Vehicle Identification Number Year
+TOYOTA 5YFBU4EEXCP069944 2012
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy.
+
+Expiration Date
+01/29/25
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+- motor vehicle registration
+- driver's license
+- motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+
+Automobile Insurance Identification Cards
+
+We've issued two identification cards as evidence of liability insurance for your vehicle(s). These cards are valid only as long
+as liability insurance remains in force. Keep a copy of the ID card in your vehicle at all times.
+
+You may be required to produce your identification card at vehicle registration or inspection, when applying for a driver's
+license, following an accident, or upon a law enforcement officer's request.
+
+53TX4 Rev. 06-13 05/30/24
+
+TEXAS LIABILITY INSURANCE CARD
+
+Name and Address of Insured
+
+GREGCRY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+GREGCRY H CARTER
+MEGAN L HALEY
+HARRISON HALEY CARTER
+CARSON LEIGH CARTER
+
+Insurance Company
+UNITED SERVICES AUTOMOBILE ASSN
+
+Policy Number Effective Date Expiration Date
+07/29/24 01/29/25
+
+00872 11 2U§ 7107 4
+Year
+
+Vehicle Make/Model/Vehicle Identification Number
+TOYOTA COROLLA 5YFBU4EEXCP069944 2012
+
+This policy provides at least the minimum amounts of liability insurance
+required by the Texas Motor Vehicle Safety Responsibility Act for the
+specified vehicle and named insureds and may provide coverage for other
+persons and other vehicles as provided by the insurance policy.
+
+a-om
+
+62882-0513__02
+
+Texas Liability Insurance Card
+Keep this card.
+
+IMPORTANT: This card or a copy of your insurance
+policy must be shown when you apply for or renew your:
+
+- motor vehicle registration
+- driver's license
+- motor vehicle safety inspection sticker.
+
+You also may be asked to show this card or your policy if
+you have an accident or if a peace officer asks to see it.
+
+All drivers in Texas must carry liability insurance on their
+vehicles or otherwise meet legal requirements for financial
+responsibility. Failure to do so could result in fines up to
+$1,000, suspension of your driver's license and motor
+vehicle registration, and impoundment of your vehicle for up
+to 180 days (at a cost of $15 per day).
+
+Additional copies available at usaa.com.
+
+CONTACT US: 210-531-USAA(8722)
+OR 800-531-USAA
+PAGE 11
+ADDL INFO ON NEXT PAGE MAIL MCH-M-|
+RENEWAL OF
+
+Statel(06 07 08 09 , ven POLICY NUMBER
+TX 1684[684|684|684 ter] 00872 11 26U 7107 4
+
+POLICY PERIOD: (12:01 A.M. standard time
+EFFECTIVE JUL 29 2024 TO JAN 29 2025
+
+OPERATORS
+01 GREGORY H CARTER
+
+02 MEGAN L HALEY
+
+03 HARRISON HALEY CARTER
+04 CARSON LEIGH CARTER
+
+UNITED SERVICES AUTOMOBILE ASSOCIATION
+
+(ARECIPROCAL INTERINSURANCE EXCHANGE)
+® 9800 Fredericksburg Road - San Antonio, Texas 78288
+TEXAS PERSONAL AUTO POLICY
+RENEWAL DECLARATIONS
+ATTACH TO PREVIOUS POLICY
+Named Insured and Address
+
+a
+
+é
+
+GREGORY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+Description of Vehicle(s) WORKECHOOL
+
+iles
+| VEH| YEAR| TRADE NAME MODEL BODY TYPE eS |W
+SW JHMGE88289S056529
+5TDJZ3DC5HS179225
+KNDCD3LD3N5536517
+5 YFBU4EEXCP069944
+
+VEH 06 AUSTIN TX 78746-7839 VEH 08
+
+VEH 07 AUSTIN TX 78746-7839 VEH 09 AUSTIN TX 78746-7839
+
+is policy provides ONLY those coverages where a premium is shown below. e limits shown
+
+may be réduced by policy provisions dnd may not be combined regardless of the number of
+vehicles for which a premium is listed unless specifically authorized elsewhere in this policy.
+
+COVERAGES LIMITS OF LIABILITY
+
+("ACV" MEANS ACTUAL CASH VALUE)
+
+PART A — LIABILITY
+BODILY INJURY EA PER $ 300,000
+EA ACC $_ 500,000
+PROPERTY DAMAGE EA ACC S$_ 100,000
+PART B2-PERSONAL INJURY PROTECTION
+(OPTIONAL) EA PERSON $_ 5,000
+PART C - UM/UIM
+BODILY INJURY EA PER $ 300,000
+EA ACC $_ 500,000
+PROPERTY DAMAGE EFA ACC S$ 100,000D 250
+PART D - PHYSICAL DAMAGE COVERAGE
+COMPREHENSIVE LOSS ACV LESS |D 200} 115.97D 200] 165.74D 200
+COLLISION LOSS ACV LESS |D 250} 275.31/D 250] 247.94D 250
+TOWING AND LABOR
+
+187.73D 200} 184.36
+296.47D 250) 298.73
+
+EHICLE TOTAL PREMIUM 1063.5 818.664 834.7
+
+6 MONTH PREMIUM $ 3968.79
+PREMIUM DUE AT INCEPTION. THIS I§ NOT A BILL, STATEMENT TO FOLLOW. |
+
+EARNED ACCIDENT FORGIVENESS APPLIES WITH FIVE YEARS CLEAN DRIVING WITH USAA.
+
+ADDITIONAL MESSAGE(S) - SEE FOLLOWING PAGE (S)
+
+ENDORSEMENTS: ADDED 07-29-24 - A200TX(03)
+
+REMAIN IN EFFECT(REFER TO PREVIOUS POLICY)- A402TX(02) RSGPTX(01) 5100TX(03)
+INFORMATION FORMS: AO250U(03 40TX(01 999TX(33 CDTXAN (01
+E4 1
+
+06] RSFISPOOMOTIII 11 Ep7] RMF59p00D0] "p8] RMM54)0000 Dol RSM20poopollllIll
+
+In WITNESS WHEREOF, the Subscribers at UNITED SERVICES AUTOMOBILE ASSOCIATION have caused these presents to be signed by
+their Attorney-in-Fact on thisdate MAY 30, 2024
+
+Wayne Peacock
+President, USAA Reciprocal Attorney-in-Fact, Inc.
+
+8500 U_O7-11
+52801-07-11
+PAGE 12
+
+MAIL MCH-M-I
+UNITED SERVICES AUTOMOBILE ASSOCIATION RENEWAL OF
+SS y (ARECIPROCAL INTERINSURANCE EXCHANGE) POLICY NUMBER
+USAA® 9800 Fredericksburg Road - San Antonio, Texas 78288 Tx | of |] I tert 00872 11 26U 7107 4
+TEXAS PERSONAL AUTO POLICY POLICY PERIOD: (12:01 A.M. standard time)
+RENEWAL DECLARATIONS EFFECTIVE JUL 29 2024 TO JAN 29 2025
+
+ATTACH TO PREVIOUS POLICY
+Named Insured and Address
+
+GREGORY H CARTER
+2004 HEADWATER LN
+AUSTIN TX 78746-7839
+
+Description of Vehicle(s
+
+|VEH|YEAR TRADENAME | === MOD =| BODYTYPE Wes IDENTIFICATION NUMBER
+
+The Vehicle(s) described herein is principally garaged at the above address unless otherwise stated.|_ WC=WorWSchool, B=Business; F=Farm; P=Pleasure
+
+This policy provides ONLY those coverages where a premium is shown below. The limits shown
+may be réduced by policy provisions and may not be combined regardless of the umber of
+vehicles for which a premium is listed unless specifically “authorized elséwhere in this policy.
+
+VEH VEH VEH VEH
+COVERAGES LIMITS OF LIABILITY
+
+("ACV" MEANS ACTUAL CASH VALUE) D=DED | PREMIUM | D=DED ] PREMIUM | D=DED | PREMIUM |D=DED | PREMIUM
+AMOUNT $ AMOUNT] _ $ AMOUNT|__ $ AMOUNT $
+
+S$ 332.66 HAS BEEN WAIVED DUE TO |ACCIDENT FORGIVENESS.
+
+S$ 108.61 INCLUDED IN PREMIUM FOR VEH (09 FOR JRIDE BHARE GAP PROTECTION.
+MVCPA FEE 2.50 2.50 2.50 2.50
+
+NOTICE: YOUR PAYMENT INCLUDES A $5.]00 FEIE PER VEHICLE EACH /YEAR.
+THIS FEE HELPS FUND: (1) AUTO BURGLARY, [HEFT AND FRAUD PREVENTIDPN,
+(2) CRIMINAL JUSTICE EFFORTS, (3) TIRAUMA) CARE AND EMERGENCY MEDICAL
+SERVICES FOR VICTIMS OF ACCIDENTS DUE TO) TRAFFIC OFFENSES, |AND (#4)
+THE DETECTION AND PREVENTION OF CATALYTIC CONVHRTER [THEFTS.| BY LAW,
+THIS FEE FUNDS THE MOTOR VEHICLE CRIME PREVENTION AUIHORITY (MVCIPA).
+
+NOTICE: AN ASSESSMENT OF $ 1.88 IS PAYABLE IN ADDITION TO THE PREMIUM DUE
+UNDER THIS POLICY. THIS ASSESSMENT |WAS CREATED |BY THE TEXAS LEGISLATURH
+TO FUND THE RURAL VOLUNTEER FIRE DHPARTMENT ASSESSMENT PROGRAM.
+
+THE FOLLOWING COVERAGE(S) DEFINED IIN THI§ POLIGY ARE! NOT PROVIDED FOR:
+VEH 06 - RENTAL REIMBURSEMENT
+VEH 07 - RENTAL REIMBURSEMENT | |
+VEH 08 - RENTAL REIMBURSEMENT
+VEH 09 - RENTAL REIMBURSEMENT
+
+v v y y
+E
+H
+
+In WITNESS WHEREOF, the Subscribers at ay ND SERYICES AUTOMOBILE ASSOCIATION have caused these presents to be signed by
+their Attorney-in-Fact on this date Ys J
+gong Tieng
+
+07-11 Wayne Peacock
+
+OO SOL. 7- 11 President, USAA Reciprocal Attorney-in-Fact, Inc.
+PAGE 13
+USAA 00872 11 26 7107
+
+SUPPLEMENTAL INFORMATION
+EFFECTIVE JUL 29 2024 TO JAN 29 2025
+
+The following approximate premium discounts or credits have already been applied to reduce your policy
+premium costs.
+
+NOTE: Age or senior citizen status, if allowed by your state/location, was taken into consideration when
+your rates were set and your premiums have already been adjusted.
+
+VEHICLE 06
+ANNUAL MILEAGE DISCOUNT -S$ 10.10
+AUTOMATIC PAYMENT PLAN DISCOUNT -S$ 30.89
+DAYTIME RUNNING LIGHTS DISCOUNT -S$ 7.86
+DRIVER TRAINING DISCOUNT -S$ 46.23
+OPERATOR 04
+GOOD STUDENT DISCOUNT -S$ 66.13
+OPERATOR 04
+MULTI-CAR DISCOUNT -S 157.61
+PASSIVE RESTRAINT DISCOUNT -S$ 3.83
+VEHICLE 07
+AUTOMATIC PAYMENT PLAN DISCOUNT -S$ 23.31
+DAYTIME RUNNING LIGHTS DISCOUNT -S$ 7.02
+MULTI-CAR DISCOUNT -S 105.59
+PASSIVE RESTRAINT DISCOUNT -S$ 2.02
+VEHICLE 08
+ANNUAL MILEAGE DISCOUNT -S$ 40.52
+AUTOMATIC PAYMENT PLAN DISCOUNT -S$ 23.82
+DAYTIME RUNNING LIGHTS DISCOUNT -S$ 8.52
+MULTI-CAR DISCOUNT -S 104.56
+NEW VEHICLE DISCOUNT -S$ 27.27
+PASSIVE RESTRAINT DISCOUNT -S$ 2.08
+VEHICLE 09
+ANNUAL MILEAGE DISCOUNT -S$ 10.90
+AUTOMATIC PAYMENT PLAN DISCOUNT -S$ 33.35
+DAYTIME RUNNING LIGHTS DISCOUNT -S$ 8.59
+DRIVER TRAINING DISCOUNT -S$ 50.43
+OPERATOR 03
+MULTI-CAR DISCOUNT -S 159.59
+PASSIVE RESTRAINT DISCOUNT -S$ 3.25
+
+SUPDECCW Rev. 7-95 MAY 30, 2024
+PAGE 14
+USAA 00872 11 26 7107
+
+AMENDMENT OF POLICY PROVISIONS - TEXAS
+
+This Amendment forms a part of the auto policy to which it is attached, and it modifies that policy as
+follows:
+
+DEFINITIONS
+
+The following definition is deleted in its entirety and replaced by the following:
+
+K. "Newly acquired vehicle."
+
+1. "Newly acquired vehicle" means a vehicle that is acquired by you or any family member
+during the policy period and is:
+
+a A private passenger auto, pickup, trailer, or van;
+b. A miscellaneous vehicle that is not used in any business or occupation; or
+c. A motorcycle, but only if a motorcycle is shown on the current Declarations.
+
+2. We will automatically provide for the newly acquired vehicle the broadest coverages as are
+provided for any vehicle shown on the Declarations. If your policy does not provide
+Comprehensive Coverage or Collision Coverage, we will automatically provide these coverages
+for the newly acquired vehicle subject to a $500 deductible for each loss.
+
+3. Any automatic provision of coverage under K.2. will apply for up to 30 days after the date
+you or afamily member becomes the owner of the newly acquired vehicle. If you wish to
+continue coverage for the newly acquired vehicle beyond this 30-day period, you must
+request it during this 30-day period. If you request coverage after this 30-day period, any
+coverage that we agree to provide will be effective at the date and time of your request
+unless we agree to an earlier date.
+
+The following definitions are added:
+
+Q. "Repair facility" means a person or entity that rebuilds, repairs, or services a motor vehicle for
+consideration or under a warranty, service, or maintenance contract.
+
+R. "Temporary vehicle."
+1. "Temporary vehicle" includes a vehicle that is loaned or provided to an insured by an
+automobile repair facility for use while your covered auto is at the repair facility for
+service, repair, maintenance, or damage or to obtain an estimate and is:
+
+a. In the lawful possession of the insured or any family member;
+
+b. Not owned by you, any family member, or any other person residing in your household;
+and
+
+c. Operated by or in the possession of the insured or any family member until the vehicle is
+returned to the repair facility.
+
+135407-1223_ 01
+A200TX(03) 12-23 Page 1 of 4
+PAGE 15
+USAA 00872 11 26 7107
+
+PART A - LIABILITY COVERAGE
+
+DEFINITIONS
+The definition of "Covered person" is deleted in its entirety and replaced by the following:
+"Covered person" as used in this Part means:
+1. You or any family member for the ownership, maintenance, or use of any auto or trailer.
+2. Any person using your covered auto.
+
+3. Any other person or organization, but only with respect to legal liability imposed on them for
+the acts or omissions of a person for whom coverage is afforded in 1. or 2. above. With
+respect to an auto or trailer other than your covered auto, this provision only applies if the
+other person or organization does not own or hire the auto or trailer.
+
+4. You, any family member, or any licensed operator who resides in your household for the
+maintenance or use of a temporary vehicle.
+
+The following are not covered persons under Part A:
+1. The United States of America or any of its agencies.
+
+2. Any person with respect to BI or PD resulting from the operation of an auto by that person as
+an employee of the United States Government. This applies only if the provisions of Section
+2679 of Title 28, United States Code as amended, require the Attorney General of the United
+States to defend that person in any civil action which may be brought for the BI or PD.
+EXCLUSIONS
+
+Exclusion A.3. is deleted in its entirety and replaced by the following:
+
+3. For PD to property rented to, used by, or in the care of any covered person. This exclusion
+(A.3.) does not apply to damage to:
+
+a. A residence or garage; or
+b. A temporary vehicle.
+
+However, this exclusion does apply to a loss due to or as a consequence of a seizure of an
+auto by federal or state law enforcement officers as evidence in a case against a covered
+person under the Texas Controlled Substances Act or the federal Controlled Substances Act if
+the covered person is convicted in such case.
+
+A200TX(03) 12-23 Page 2 of 4
+PAGE 16
+USAA 00872 11 26 7107
+
+Exclusion A.7. is deleted in its entirety and replaced by the following:
+7. Maintaining or using any vehicle while that person is employed or otherwise engaged in any
+business or occupation other than the auto business, farming or ranching. This exclusion (A.7.)
+does not apply:
+
+a. To the maintenance or use of a private passenger auto; a pickup or van owned by you or a
+family member; or a trailer used with these vehicles;
+
+b. To the maintenance or use of a pickup or van not owned by you or a family member if
+the vehicle’s owner has valid and collectible primary liability insurance or self-insurance in
+force at the time of the accident; or
+
+c. To maintenance or use of a temporary vehicle.
+
+Exclusion C.1. is added:
+
+1. This exclusion does not apply to a temporary vehicle.
+OTHER INSURANCE
+The Other Insurance section is deleted in its entirety and replaced with the following:
+If there is other applicable liability insurance:
+1. Any insurance we provide to a covered person shall be excess over:
+
+a. Any other applicable liability insurance, or
+
+b. Any qualified self-insurance or other permissible means of compliance with a state's financial
+responsibility law, compulsory liability law, or any similar law.
+
+2. We will pay only our share of the loss that must be paid under insurance providing coverage on an
+
+excess basis. Our share is the proportion that our limit of liability bears to the total of all applicable
+limits of liability for coverage provided on an excess basis.
+
+3. However, Our coverage under this Part will be primary for a temporary vehicle, but only if the
+temporary vehicle is:
+
+a. A private passenger auto; or
+
+b. A pickup, utility vehicle, or van with a gross vehicle weight of 14,000 pounds or less that is
+not used for the delivery or transportation of goods, materials, or supplies, other than samples,
+unless:
+
+(i) The delivery of the goods, materials, or supplies is not the primary use for which the
+temporary vehicle is employed; or
+
+(i) The temporary vehicle is used for farming or ranching.
+
+A200TX(03) 12-23 Page 3 of 4
+PAGE 17
+USAA 00872 11 26 7107
+
+PART E - GENERAL PROVISIONS
+
+DUTIES AFTER AN ACCIDENT OR LOSS
+
+B.3.b. is deleted and replaced by the following:
+
+b. To examination under oath. The examination must be signed. A minor must have a parent or
+guardian present.
+
+LEGAL ACTION AGAINST US
+C. is deleted in its entirety and replaced by the following:
+C. Under Part C — UM/UIM Coverage:
+
+No action can be brought against us for any claim involving an uninsured motor vehicle unless
+the action is brought within at least two years and one day from the date the cause of action
+first accrues.
+
+TERMINATION
+B.1. is deleted and replaced by the following:
+
+1. If we decide not to renew this policy, we will send notice to the named insured shown on the
+Declarations. This cancellation notice may be delivered to the named insured, mailed by postal
+mail to the most recent address you provided to us or sent electronically if we have your
+consent and agreement on file to receive documents electronically. In any event, notice will be
+sent at least 60 days before the end of the policy period.
+
+E. is added:
+E. Nonrenewal for Failure to Cooperate.
+
+1. We will notify you if any insured fails or refuses to cooperate with us in the investigation,
+settlement, or defense of a third-party liability claim or action or if we are unable to contact
+the insured.
+
+2. After we notify you, if the insured continues to fail or refuse to cooperate in the third-party
+liability claim, then we will not renew this policy at the end of the policy period We will not
+renew this policy regardless of other required notices and even if it is not your policy's
+anniversary.
+
+Copyright, USAA 2023, All rights reserved.
+
+A200TX(03) 12-23 Page 4 of 4
+USAA 00872 11 26
+
+Tarjeta de Seguro de
+Responsabilidad de Texas
+Guarde esta tarjeta.
+
+IMPORTANTE: Esta tarjeta o una copia de su poliza de seguro debe ser mostrada cuando usted
+solicite o renueve su:
+
+registro de vehiculo de motor
+licencia para conducir
+etiqueta de inspeccion de seguridad para su vehiculo.
+
+Puede que usted tenga también que mostrar esta tarjeta o su poliza de seguro si tiene un
+accidente o si un oficial de la paz se la pide.
+
+Todos los conductores en Texas deben de tener seguro de responsabilidad para sus vehiculos, o
+de otra manera llenar los requisitos legales de responsabilidad civil. Fallo en llenar este requisito
+pudiera resultar en multas de hasta $1,000, suspension de su licencia para conducir y su registro
+de vehiculo de motor, y la retencién de su vehiculo por un periodo de hasta 180 dias (a un costo
+de $15 por dia).
+
+IMPORTANTE: Si usted quiere una tarjeta oficial escrita en espafol, llame a este numero:
+1-800-531-8111
+
+40TX(01) Rev. 12-98
+
+PAGE
+7107
+
+18
+PAGE 19
+USAA 00872 11 26 7107
+
+Uninsured Motorists/Underinsured Motorists Coverage in Texas
+
+Below, you will find a brief explanation of Uninsured Motorists/Underinsured Motorists and Uninsured
+Motorists Property Damage coverages. Please remember that this explanation is only an overview, and
+it does not replace or supplement any of the provisions of your policy. Please see your policy for
+details because the policy controls all issues of coverage.
+
+The decisions you make regarding the amount of coverage will affect your insurance premium. If you
+have questions, please contact Policy Service by calling 210-531-USAA (8722), our mobile shortcut
+#8722 or 800-531-8722. You may complete this form online at usaacom.
+
+Coverage Description
+Uninsured Motorists/Underinsured Motorists (UM/UIM) Coverage:
+
+* Protects you and your family if injured in a motor vehicle accident caused by an uninsured,
+underinsured, or hit-and-run motorist who is at—fault.
+
+e Pays if you or your family are injured by an at—fault motorist whose Bodily Injury (Bl) Liability limits
+are less than the amount of damages you are legally entitled to recover from the at—fault motorist.
+The at—fault motorist’s policy pays its BI Liability limits first, then your UM/UIM Coverage pays the
+lesser of:
+
+* any remaining loss, or
+* your UM Coverage limits.
+
+e Must be issued with UM/UIM Coverage limits equal to the minimum coverage limits required by
+Texas unless you reject UM/UIM Coverage or select higher UM/UIM Coverage limits by completing,
+signing, and returning the Rejection/Selection Form by mail or at usaa.com.
+
+* Your rejection of UM/UIM Coverage will remain in effect on this policy and on future renewals
+until you request otherwise in writing.
+
+Uninsured Motorists Property Damage (UMPD) Coverage:
+
+¢ UMPD cannot be carried without UM/UIM; however, you can carry UM/UIM without UMPD by
+rejecting just the UMPD Coverage.
+
+e Pays for damage to your vehicle that you are legally entitled to recover from an at-fault uninsured
+or underinsured motorist or hit-and-run motor vehicle because of property damage (including loss
+of use and your personal property inside the vehicle) sustained in an auto accident. The at-—fault
+underinsured motorist’s policy pays its PD Liability limits first, then your UMPD coverage pays the
+lesser of:
+
+* any remaining loss, or
+¢ your UMPD limits.
+
+e Must be issued with UMPD Coverage limits equal to the minimum coverage limits required by Texas
+unless you reject UMPD Coverage or select higher UMPD Coverage limits by completing, signing,
+and returning the Rejection/Selection Form by mail or at usaa.com.
+
+* Your rejection of UMPD Coverage will remain in effect on this policy and on future renewals until
+you request otherwise in writing.
+
+* Vehicle damage is subject to a $250 deductible.
+
+52080-0816
+
+999TX(33) Rev. 11-16 Page 1 of 4
+
+PS .008721126.999TX.07107
+
+PAGE 20
+USAA 00872 11 26 7107
+
+THIS PAGE INTENTIONALLY LEFT BLANK
+
+999TX(33) Rev. 11-16
+PS .008721126.999TX.07107
+
+Page 2 of 4
+
+PAGE 21
+USAA 00872 11 26 7107
+
+If you do not wish to make any changes to your current policy, no action is required. TO
+MAKE CHANGES TO YOUR POLICY, PLEASE COMPLETE THIS FORM, SIGN, AND RETURN IT TO US. The
+premiums below reflect the total premium for this coverage for all vehicles insured on this Policy.
+
+Rejection/Selection Form
+
+Uninsured/Underinsured Motorists Coverage (UM/UIM)
+And Uninsured Motorists Property Damage Coverage (UMPD)
+
+Semi-annual premium per policy
+
+| want the UM/UIM and UMPD limits checked below:
+UM/UIM Premium UMPD Premium
+
+CL] § 30,000/$ 60,000 $ 92.23 CL] § 25,000 $ 109.54
+CL] $s 50,000/$ 100,000 $ 137.43 [] $s 50,000 $ 138.03
+CL] $ 100,000/s 200,000 $ 200.14 [1] $100,000 $ 161.01
+[1] $ 100,000/$ 300,000 $ 229.66 [] $300,000 § 186.22
+LJ $ 300,000/$ 500,000 $ 320.97 [] $500,000 §$ 198.26
+L] $ 500,000/s 500,000 $ 346.80
+
+[1 $ 500,000/s1,000,000—s $ 364.32
+
+L] $1,000,000/$ 1,000,000 $ 407.66
+
+L] | reject both UM/UIM Coverage and UMPD Coverage for this policy and all subsequent
+
+renewals until | request otherwise in writing.
+LJ | reject only UMPD Coverage for this policy and all subsequent renewals until | request
+
+otherwise in writing.
+
+DO NOT SIGN UNTIL YOU READ
+USAA Number
+
+Signature of Named Insured
+
+( ) ( )
+Home Phone Alternate Phone Date
+
+Please complete this form and fax it to 1-800-531-8877 or mail it to USAA, 9800 Fredericksburg
+Road, San Antonio, Texas 78288; or complete this form on usaacom.
+
+If this form is sent by facsimile machine (fax), the sender adopts the document USAA receives as a
+duplicate original and adopts the signature the receiving fax machine produces as the sender's original
+signature.
+
+999TX(33) Rev. 11-16 Page 3 of 4
+
+PS .008721126.999TX.07107
+
+PAGE 22
+USAA 00872 11 26 7107
+
+THIS PAGE INTENTIONALLY LEFT BLANK
+
+999TX(33) Rev. 11-16
+PS .008721126.999TX.07107
+
+Page 4 of 4
+
+PAGE 23
+00872 11 26 7107
+
+Use of Credit Information Disclosure
+Form CD-1
+
+Insurer's Name United Services Automobile Association
+
+SAN ANTONIO, TX 78288
+
+Telephone Number (toll free if available) 1-800-531-USAA (8722
+
+WeL] will} will not (choose one) obtain and use credit information on you or any other
+member(s) of your household as a part of the insurance credit scoring process.
+
+If you have questions regarding this disclosure, contact the insurer at the above address
+or phone number. For information or other questions, contact the Texas Department of
+Insurance at 1-800-578-4677 or P.O. Box 12030, MC - PC-PCL, Austin, Texas 78711-2030.
+
+Section 559.053 of the Texas Insurance Code requires an insurer or its agents to disclose to its
+customers whether credit information will be obtained on the applicant or insured or on any other
+member(s) of the applicant's or insured’s household and used as part of the insurance credit scoring
+process.
+
+If credit information is obtained or used on the applicant or insured, or on any member of the
+applicant's or insured’s household, the insurer shall disclose to the applicant the name of each person
+on whom credit information was obtained or used and how each person's credit information was used
+to underwrite or rate the policy. An insurer may provide this information with this disclosure or in a
+separate notice.
+
+Adverse effect means an action taken by an insurer in connection with the underwriting of insurance
+for a consumer that results in the denial of coverage, the cancellation or nonrenewal of coverage, or
+the offer to and acceptance by a consumer of a policy form, premium rate, or deductible other than
+the policy form, premium rate, or deductible for which the consumer specifically applied.
+
+Credit information is any credit related information derived from a credit report itself or provided in
+an application for personal insurance. The term does not include information that is not credit-related,
+regardless of whether the information is contained in a credit report or in an application for insurance
+coverage or is used to compute a credit score.
+
+Credit score or insurance score is a number or rating derived from a mathematical formula, computer
+application, model, or other process that is based on credit information and used to predict the future
+insurance loss exposure of a consumer.
+
+Summary of consumer protections in Chapter 559
+Prohibited use of credit information. An insurer may not:
+
+(1) Use a credit score that is computed using factors that constitute unfair discrimination;
+
+(2) Deny, cancel, or nonrenewal a policy of personal insurance solely on the basis of
+creditinformation without consideration of any other applicable underwriting factor independent
+of credit information; or
+
+507421-0823
+CDTXAN(01) 08-23 Page 1 of 3
+PAGE 24
+USAA 00872 11 26 7107
+
+(3) Take an action that results in an adverse effect against a consumer because the consumerdoes
+not have a credit card account without consideration of any other applicable factor independent
+of credit information.
+
+An insurer may not consider an absence of credit information or an inability to determine credit
+information for an applicant for insurance coverage or insured as a factor in underwriting or rating an
+insurance policy unless the insurer:
+
+(1) Has statistical, actuarial, or reasonable underwriting information that: (A) is reasonably related to
+actual or anticipated loss experience; and (B) shows that the absence of credit information
+could result in actual or anticipated loss differences;
+
+(2) Treats the consumer as if the applicant for insurance coverage or insured had neutral credit
+information, as defined by the insurer; or
+
+(3) Excludes the use of credit information as a factor in underwriting and uses only other
+underwriting criteria
+
+Negative factors. An insurer may not use any of the following as a negative factor in any credit
+scoring methodology or in reviewing credit information to underwrite or rate a policy of personal
+insurance:
+
+(1) A credit inquiry that is not initiated by the consumer;
+(2) An inquiry relating to insurance coverage, if so identified on a consumer's credit report; or
+
+(3) A collection account with a medical industry code, if so identified on the consumer’s credit
+report.
+
+Multiple lender inquiries made within 30 days of a prior inquiry, if coded by the consumer reporting
+agency on the consumer's credit report as from the home mortgage or motor vehicle lending industry,
+shall be considered by an insurer as only one inquiry.
+
+Effect of extraordinary events. An insurer shall, on written request from an applicant for insurance
+coverage or an insured, provide reasonable exceptions to the insurer's rates, rating classifications, or
+underwriting rules for a consumer whose credit information has been directly influenced by a
+catastrophic illness or injury, by the death of a spouse, child, or parent, by temporary loss of
+employment, by divorce, or by identity theft. In such a case, the insurer may consider only credit
+information not affected by the event or shall assign a neutral credit score.
+
+An insurer may require reasonable written and independently verifiable documentation of the event and
+the effect of the event on the person's credit before granting an exception. An insurer is not required
+to consider repeated events or events the insurer reconsidered previously as an extraordinary event.
+
+An insurer may also consider granting an exception to an applicant for insurance coverage or an
+insured for an extraordinary event not listed in this section. An insurer is not out of compliance with
+any law or rule relating to underwriting, rating, or rate filing as a result of granting an exception under
+this article.
+
+Notice of action resulting in adverse effect. If an insurer takes an action resulting in an adverse
+effect with respect to an applicant for insurance coverage or insured based in whole or in part on
+information contained in a credit report, the insurer must provide to the applicant or insured within 30
+days certain information regarding how an applicant or insured may verify and dispute information
+contained in a credit report.
+
+CDTXAN(01) 08-23 Page 2 of 3
+LAST PAGE 25
+USAA 00872 11 26 7107
+
+Dispute resolution; error correction. If it is determined through the dispute resolution process
+established under Section 61 1(a)(5), Fair Credit Reporting Act (15 U.S.C. Section 16811), as amended,
+that the credit information of a current insured was inaccurate or incomplete or could not be verified
+and the insurer receives notice of that determination from the consumer reporting agency or from the
+insured, the insurer shall re-underwrite and re-rate the insured not later than the 30th day after the
+date of receipt of the notice.
+
+After re-underwriting or re-rating the insured, the insurer shall make any adjustments necessary within
+30 days, consistent with the insurer's underwriting and rating guidelines. If an insurer determines that
+the insured has overpaid premium, the insurer shall credit the amount of overpayment. The insurer
+shall compute the overpayment back to the shorter of the last 12 months of coverage; or the actual
+policy period.
+
+CDTXAN(01) 08-23 Page 3 of 3

utilities/data/txt/usaa-orig.txt

@@ -0,0 +1 @@
+SERVICE. THEN, NOW AND ALWAYS. 2022 ANNUAL REPORT TO MEMBERSSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 2 WHATS INSIDE 05 Introduction 07 Being There When It 9 Empowering Financial Security 13 Protecting Your Valuables 15 Exceptional Service Starts Matters Most with Our Employees 17 Supporting Military Members, 20 Honoring and Advocating 23 Enduring Service 25 Financials Families and Our Communities for Those Who ServeSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 3 A MESSAGE FROM OUR CHAIRMAN I t has been a great privilege to serve our country during a continually focus on highly competitive products, exceptional service 34-year career with the Navy and for the past 10 years as a and trusted advice. member of USAAs Board of Directors. Its gratifying to be a part The team is constantly innovating to better serve a special membership. of this association, knowing that it exists to empower the financial Just last year, they provided ways for you to save money and plan by security of military families whenever and wherever help is needed. dropping some banking fees, by delivering more flexible auto insurance The roles of the Chairman and the Board are to ensure that USAA is options, and by offering tools to help you protect your home and well-managed, through any storm. We work with a mission-motivated prepare for retirement. and highly talented management team to maintain financial strength Thank you for your membership, for your ongoing commitment to USAA through every challenge including the inflationary environment and for your familys legacy of service. that has tested many service members families. But because of long-term management that plans for generations, USAAs financial strength persists beyond catastrophes, business cycles or economic disruptions. Celebrating USAAs centennial in 2022 the milestone of 100 years JAMES M. ZORTMAN in business has been exciting and a reminder that we need to be Vice Admiral, USN (Ret.) here for the next 100. As the company now looks ahead, the team will Chairman, USAA Board of Directors THE TEAM IS CONSTANTLY INNOVATING TO BETTER SERVE A SPECIAL MEMBERSHIP. JUST LAST YEAR, THEY PROVIDED WAYS FOR YOU TO SAVE MONEY AND PLAN BY DROPPING SOME BANKING FEES, BY DELIVERING MORE FLEXIBLE AUTO INSURANCE OPTIONS, AND BY OFFERING TOOLS TO HELP YOU PROTECT YOUR HOME AND PREPARE FOR RETIREMENT. JAMES M. ZORTMAN Vice Admiral, USN (Ret.) Chairman, USAA Board of DirectorsSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 4 A MESSAGE FROM OUR CEO I n 2022, USAA celebrated 100 years as a member-owned levels not seen in 40 years. These same factors are driving prices association. From the very beginning, your association has touted up at the grocery store, the pump and every other facet of your life. Service to the Services. Its a point of pride that we place special We recognize the stress on family budgets, and we dont take lightly focus on Service. Then, Now and Always. Thats also true in our the decision to raise rates. Were doing everything we can to help devotion to those who put on the uniform to defend our freedoms and reduce the impact on your budget. USAA also has tools to help you in our commitment to serve military families like no other company. manage some of these costs, such as reviewing the many auto insurance options that help you save money. And for homeowners, we offer During 2022, we continued to enhance the benefits of membership wildfire and water-leak protection to help you identify potential losses through changes such as launching an easier-to-use mobile app, before they happen. introducing new USAA Perks, and dropping USAA ATM and non-sufficient fund fees. And when bad weather hit, as with Hurricane Ian and the USAAs team and our members enjoy a shared sense of belonging, an many other storms, we were there helping you put the pieces back esprit de corps borne from our founding principles. Through the years, together. Our Survivor Relations Team stood tall supporting the many the interactions between our members and teammates have displayed families who lost a loved one. In addition to providing value every day, a special bond that lives on today. We look out for each other. we returned nearly $2 billion to members in 2022 through dividends, USAA and our 37,000 employees especially appreciate your loyalty distributions, and Bank rebates and rewards. and trust. Your commitment, year after year, is one of the things that As we looked back on our first century, we celebrated the legacy created makes us strong after a century in business and why were confident by generations of members and USAA employees. We look forward to in our future. Thats a major reason we will always remember our how we build on that legacy to ensure USAA will be there for you, your roots in service. family and the generations of new members to come. Its foundational to This year will mark 35 years of my service to USAA, and I remain our stewardship to manage prudently for the long term, so we can committed to serving you well every day while we future-proof your respond when you need us through every stage of life. Weve been here association to continue serving for future generations. I value your since before the Great Depression and after the Great Financial Crisis feedback and want to hear about your experiences with us. Thank you and through marriages, children, car and home purchases, storms and for your familys service to our country and for making USAA such an retirement planning. And were investing wisely to ensure we continue important part of your life. to provide competitive products and exceptional service. Coming out of the pandemic, the perfect storm of inflation, rising interest rates, supply chain disruption, labor shortage and intense weather led to a very challenging year for the association in 2022. WAYNE PEACOCK This resulted in negative earnings for the year, but Im proud to report President and WAYNE PEACOCK that in spite of that we maintained our very strong net worth. For auto Chief Executive Officer President and Chief Executive Officer and homeowners policyholders, youve seen rates climb this year atSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 5 INTRODUCTION: A CENTURY OF SERVICESERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 6 I n 1922, a group of Army officers joined together to insure direct impact on the insurance industry seen most predominantly each others vehicles when no other companies would. One through rate increases, including at USAA. hundred years later, our 37,000 employees work every day to Like many other companies, all of these factors led to financial serve more than 13 million members who span the entire military headwinds for USAA that resulted in our first loss since 1923. community from active duty to veterans to spouses and children. We remain one of the countrys only member-focused organizations Due to these factors, our members have begun to see their premiums providing a wide range of financial services. rise. We always are mindful when making decisions that could impact our members and will not raise rates more than necessary. We work Throughout 2022, we celebrated our centennial year while remaining to offset any increases by reducing operating expenses, reprioritizing focused on being there when our members needed us the most. As we initiatives and becoming more efficient in our business practices. Most head into our second century, we are committed to evolving and importantly, we are focused on maintaining our financial strength and changing to meet our members needs. exceptional member service. Responding to a Challenging Year We regularly work with our members to review their products and services as they go through life. And were focused on delivering value While USAA had many achievements in 2022, the year also brought by helping members save money, whether its through our USAA many challenges for members and our association. More drivers were SafePilot program and pay as you drive auto insurance product that on the road post-pandemic, leading to an increase in accidents. And may provide lower rates or by our bank eliminating out-of-network Mother Nature continued to impact communities across the country ATM fees. with storms, wildfires and other natural disasters. For 100 years and counting, USAA has cared for military families with Concurrently, inflation hit a 40-year high and macroeconomic one goal in mind: to empower them to be financially secure through conditions such as supply chain disruptions and rising labor costs competitive products, services and advice. We are committed to drove up the cost of supplies, goods and services. The cost to repair excellence through Service. Then, Now and Always. and replace cars and houses outpaced the rate of inflation and had a THROUGHOUT 2022, WE CELEBRATED OUR CENTENNIAL YEAR WHILE REMAINING FOCUSED ON BEING THERE WHEN OUR MEMBERS NEEDED US THE MOST. AS WE HEAD INTO OUR SECOND CENTURY, WE ARE COMMITTED TO EVOLVING AND CHANGING TO MEET OUR MEMBERS NEEDS.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 7 BEING THERE WHEN IT MATTERS MOSTSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 8 U SAA has a history of standing tall during challenging times. One of the biggest weather events of the year, Hurricane Ian, left a SERVICE IN ACTION Our dedicated catastrophe team is on the front lines of destructive path across Florida and the Southeast coast. It can take caring for our members during natural disasters, providing years to tally the final cost of a catastrophe, but the industrys initial help and empathy. USAA is often the first and sometimes the estimates for Hurricane Ian range from $20 billion to $47 billion in When Brandon Glover, a senior property adjuster, helped only insurance carrier onsite and often the last to leave. We know losses. It is likely the costliest natural disaster in Florida history and a 92-year-old member, Ms. Vickie Dee North, impacted by speed and service matter to our members. These actions, along with one of USAAs costliest catastrophes. Hurricane Ian, he didnt stop at handling her claim. After our use of cutting-edge technology, expedite the claims process so inspecting her home, which did not suffer serious damages, When Ian hit, USAAs Disaster Innovation Response Team was there members can get back on their feet faster. he had what he needed to process the claim quickly but with leading-edge drone technology to help Florida assess took time getting to know the member through a shared Last year, there were more than 60 weather-related catastrophes an infrastructure damage quickly and safely. Like our teams, our drones love of poetry. average of one every six days. USAA paid nearly $2.5 billion in catastrophe go to the hardest-hit areas to speed the path to recovery. claim losses, helping members get on the road to recovery quickly. Glover walked away with a new friend and a cherished memory. Its a reminder to us all that we can come together and find common ground no matter how different we think we are, Glover said. SERVICE IN ACTION When Navy Petty Officer Ryan Dekorte died during a training exercise, his mother, Brook Knowlton, a longtime member, needed help managing the overwhelming task of navigating her sons estate and settling his accounts. Thats when USAAs Survivor Relations Team stepped in. USAAs new case management approach gave Knowlton a single point of contact who facilitated her sons account settlement. The case manager also recommended additional resources, including probate process information, since her son didnt have a will. With USAA, Knowlton had someone to walk beside her through the process and comfort her as she grieved. SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 9 EMPOWERING FINANCIAL SECURITYSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 10 S ince our founding in 1922, USAA has focused on meeting smartphone sensors within the app to detect a collision and members needs through every stage of life from joining the prompts the member to verify if an accident has occurred. Once military to buying a home to retiring. We understand that verified, the app offers immediate assistance, including the ability to managing finances can be complicated and the economic challenges of dial 911 directly from the app, safety guidance for handling the accident last year impacted the price of everything, including insurance. Our scene, and the option to start filing a claim. Since its launch, this claim mission is to empower our members to achieve financial security and experience has contacted members more than 90,000 times after it starts with finding ways to offer discounts and making it easier to do detecting collisions. business with us. Last year, USAA also launched its new usage-based or pay as you drive insurance the less our members drive, the more they can save. Safe driving, lower rates This insurance product can offer a lower premium, along with a mileage Last year, USAA launched and expanded industry-leading services variable, by combining usage and behavioral factors to create pay-as- and products to help keep our members safe on the road while saving you-drive personalized pricing and opportunity for savings and rewards.3 them money. USAA is now providing members with more choices and This is important for USAAs service members who are highly mobile and peace of mind while helping to offset rate increases driven by insurance frequently deployed. In 2022, members with this policy saved an industry trends. average of nearly $85 per month or more than $1,000 annually. USAAs SafePilot1 program offers two huge benefits: lower rates for safe Eliminating fees driving and immediate assistance if an accident happens. Using smartphone GPS and built-in sensors, the technology logs trips and Empowering our members to be financially secure is at the heart of other data to calculate a driving score that can lead to the discounts. what we do which includes finding ways to save them money. Now available in 47 states and Washington, D.C., the program offers In 2022, USAA eliminated bank out-of-network ATM fees, helping more enrolled members a discount of up to 30%2 for safe driving behaviors. than 9 million members save money and allowing them the freedom to In addition to discounted rates for safe-driving, USAA was one of use any ATM in the U.S. without incurring a USAA fee. Members also now the first auto insurance carriers to implement a groundbreaking crash have access to one of the largest surcharge-free ATM networks in the detection technology through the SafePilot app. The technology uses country, enabling cash withdrawals without any ATM surcharges at more IN 2022, USAA ELIMINATED OUT-OF-NETWORK ATM FEES, HELPING MORE THAN 9 MILLION MEMBERS SAVE MONEY AND ALLOWING THEM THE FREEDOM TO USE ANY ATM IN THE U.S. WITHOUT INCURRING A USAA FEE. Visa is a registered trademark of Visa International Service Association and used under license.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 11 than 100,000 locations nationwide.4 We continue to work on expanding Were also making it easier and quicker for members to apply for a our network of ATMs that accept cash deposits. mortgage product while using their mobile devices. Members soon will be able to upload loan documents, get real-time updates, and better As another way to empower our members financially, we eliminated track the overall progress of their loan, all through USAAs mobile app. non-sufficient funds (NSF) fees to better support our members when funds are low. Helping you in retirement Banking to keep you on track USAAs Retirement Income Strategy tool helps members prepare for a comfortable retirement by establishing goals and priorities. It also allows Another key component of helping our members be financially secure our specialists to have high-quality conversations with members on the is to assist them with tackling debt, especially for those living paycheck right retirement strategies to meet their needs. to paycheck. In late 2022, USAA Life partnered with Humana Inc., to launch a new Its tough to face debt or have a conversation about a missed or late co-branded Medicare Advantage Plan. The Humana USAA Honor Plan payment. In 2022, USAA built new digital tools to notify members and with Rx complements benefits that veterans receive through the make it easier for them to self-serve payments to prevent them from Department of Veterans Affairs and allows greater flexibility on when falling behind. Through notifications, members can get customized and where veterans receive care and fill prescriptions. The plan is currently alerts, see available payment options and find advice to help them get offered in eight states and is available to anyone eligible for Medicare. back on track. Fraud Protection We also launched a new secured credit card to help members build or rebuild their credit history. This new card helps newly enlisted and Destruction doesnt just come from natural disasters, increasingly it younger members start building credit responsibly. comes from cyber criminals. Our teams and systems work around the A better home buying experience SERVICE IN ACTION Buying a home is one of the biggest purchases people make in their lifetime, and USAA is there from the start. Last year, we rolled out Retirement Income Specialist Tony Garcia received a call HomeReady5 across the country. The program offers purchase and from a member, Julie Finlay, who retired early during refinance loans to put home ownership within reach for those who may 2022s market downturn. Naturally, she was concerned make less than their areas median income. about investment losses and making her savings last. We continue to offer a wide range of mortgage products to provide Using the tool, Tony helped Julie consider and implement flexibility for finding the right home and using the right mortgage strategies that will provide guaranteed lifetime income and product, especially for military families. This includes VA loans with no minimize the market exposure risk, allowing her to live her origination, application or underwriting fees. life comfortably during retirement.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 12 clock to stop cybercriminal activity and stay one step ahead of the Last year, we provided free access to direct deposited paychecks up to SERVICE IN ACTION next major threat. In 2022, USAA shut down more than 1,500 phishing two days faster.6 In addition, the new Eagle debit and credit cards sites targeting members and blocked more than 7.5 billion cyber-attacks include the tap to pay feature, and members can add the cards to their or information-gathering attempts. digital wallets, making it more convenient to pay using a smart watch or We know the best way to help our members prevent fraud mobile device. is by being vigilant. However, scammers can still manage to We have enhanced protection measures to make it easier for members break into personal accounts. For one member family, a joyful to stay vigilant through account alerts that flag suspicious activity and In todays digital age, most members rely on our mobile app to quickly occasion the closing on a new home quickly turned into through multifactor authentication, which strengthens logon security. access USAAs services. Last year, we launched an updated USAA mobile a nightmare. Using these tools can help deter fraudsters and keep our members safe. app to provide a more personalized, efficient and responsive experience. As the Cotton family went to sign the final documents, The apps technology upgrades make it easier, quicker and safer for Improving the ease of doing business they realized theyd been hit by a sophisticated phishing members to check their bank balance, move money, get alerts and to scam in which the scammer pretended to be a broker and Our members are busy and oftentimes separated from their families find what they need quickly. In addition, the app can customize stole $75,000. When criminals target wire transfers, it can be or in remote locations around the globe. We work to make things notifications for some upcoming bills and provide proactive, relevant difficult to get the money back. But luckily, Laura Barrett, a simple and convenient to make life easier. life-event advice. director of real estate fulfillment, was on the case. He was in shock, and I would have been in shock, too, Barrett said of the husband who made the initial call. The Cotton family couldnt move forward with buying the home because of the loss of their down payment and closing costs. By working diligently with the external bank that fraudulently received the wired funds, Barrett and a team that included Shawn Chavez, business risk and controls fraud advisor, were able to recover the money. For Barrett and Chavez, the story was a strong reminder of how USAA is there when things go wrong. There were so many employees who contributed to the success of this recovery, Chavez said. It shows that we are here to do the right thing for our members. In this case, it was about so much more than money, it was about their livelihood.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 13 PROTECTING YOUR VALUABLESSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 14 A s weve done throughout our 100-year history, USAA continues USAAs wildfire response program provides a free service to assist if a to innovate and evolve our products and services to help members home is being threatened by an active wildfire. USAA teams protect our members most valuable items. up with wildfire response services to monitor wildfire activity and take measures that may help protect a members property when a threat is Prevention through detection nearby. Certified wildland firefighters go behind the fire lines to assess and minimize risk to a members home before a fire reaches it. Owning a home is a huge commitment, and USAA is there to help members maintain and care for it. In 2022, our property and casualty team (P&C) introduced several innovative ways to protect our members THE PROGRAM IS A FUNDAMENTAL SHIFT biggest asset and save them money. IN HOW USAA THINKS ABOUT HOME USAA now offers the Connected Home Program that incentivizes members to use eligible smart technology devices that can reduce the INSURANCE MOVING FROM A REPAIR chance of theft, fire or water damage. AND REPLACE MINDSET TO EARLY The program is a fundamental shift in how USAA thinks about home DETECTION AND PREVENTION. insurance moving from a repair and replace mindset to early detection and prevention. Participating members receive a discount on their homeowners insurance premium,7 as well as a discount on eligible Since 2017, the wildfire response program has saved nearly 200 properties products. Since its launch, the program has expanded to 45 states and and avoided $180 million in member losses. Equally important, our Washington, D.C. with plans to continue expanding into additional members get peace of mind knowing their properties are protected. markets. Keeping homes safe and secure SERVICE IN ACTION Security is another form of protection for homeowners. Through our The ADT service proved to be a lifesaver for USAA member USAA Perks8 program, members can take advantage of discounts on Lt. Peter Goodman and his family after a fire broke out in the smoke and carbon monoxide detectors, indoor cameras and home middle of the night. ADTs alarm and dispatch team alerted automation to detect and protect their property. USAA Perks also brings the family, waking them up in enough time so they could get together retailers to help save members money on everything from out of danger. By the time the dispatcher reached Goodman, home services to travel. a 16-year member and Navy veteran, she had already Natural disasters remain the biggest threat to property, and wildfires contacted 911 and the fire department was on its way. are more likely in the Western U.S., which has seen a dramatic increase in fires.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 15 EXCEPTIONAL SERVICE STARTS WITH OUR EMPLOYEESSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 16 Taking great care of our members starts with caring for our appreciate the unique challenges of service members and how we employees so they can provide consistent, exceptional service. can best serve them. Nearly 15 years ago, USAA established Zero Day We are focused on attracting and retaining a diverse group of PT, a key element of USAAs military acumen program, to provide employees who understand military life and find their calling at USAA. employees with a glimpse of military life. An all-volunteer veteran One way we do this is through competitive benefits and professional employee cadre takes employees through an intense military acumen career development programs. program that gives them a taste of the first day of basic training. More than 5,600 employees have volunteered to participate in this Veteran and military spouse hiring experience over the years. Hiring military talent is important to us at USAA because no one understands military life better than those with firsthand experience. The military community is innately diverse and our focus on hiring veterans and military spouses enhances the diversity of our workforce. USAAS EXCEPTIONAL EMPLOYEES Nearly 23% of our employees are military spouses or veterans and many are actively involved in VETNet, an employee resource group of military-affiliated employees. Along with USAAs diversity and inclusion ~100 business groups, VETNet ensures that we create an environment of belonging for all who work at USAA. FELLOWS HIRED IN THE PAST FOUR YEARS THROUGH OUR CONNECTION TO THE U.S. We have a host of programs to help attract and retain military CHAMBER OF COMMERCE FOUNDATIONS talent. Our VetsLead program helps veterans make a smooth transition HIRING OUR HEROES INITIATIVE to USAA and the corporate world through mentoring, training and networking. And through our connection to the U.S. Chamber of 23% Commerce Foundations Hiring Our Heroes (HOH) initiative, USAA has been a leader and national role model for best practices in OF OUR EMPLOYEES ARE MILITARY SPOUSES OR building a strong veteran and military spouse workforce. Our HOH VETERANS AND MANY ARE ACTIVELY INVOLVED Fellows program provides opportunities to work at USAA and gain IN VETNET, AN EMPLOYEE RESOURCE GROUP OF professional training, networking and hands-on experience that often MILITARY AFFILIATED EMPLOYEES leads to full-time roles at USAA or other companies. Through this program, USAA has hired nearly 100 Hiring Our Heroes Fellows in the past four years. 5,600+ Our military-focused culture and commitment to military acumen EMPLOYEES HAVE SIGNED UP FOR training for our employees is a critical part of how we serve our ZERO DAY PT, AN INTENSE MILITARY ACUMEN members. Military values and traditions run deep at USAA, and we TRAINING PROGRAM have foundational programs to help employees understand andSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 17 SUPPORTING MILITARY MEMBERS, FAMILIES AND OUR COMMUNITIESSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 18 U SAAs commitment to serve goes beyond the products and The organizations included American Red Cross, Team Rubicon and service we provide. Whether we are volunteering in our U.S. military aid societies, which covered basic needs like food, water communities to support wounded warriors or helping service and shelter and provided emergency financial assistance. OUR IMPACT ON OUR COMMUNITIES members transition to a civilian career, USAA is there to advocate for Amid their own personal challenges in 2022, employees gave back to and support the military community. USAA works to have an impact communities where they live and work. They rose to the challenge of through our goal of giving 1% of our pre-tax income annually and through doing A Million Good Things in their communities, exceeding the goal $47.5 MILLION our corporate and employee donations, outreach and volunteerism. with more than 1.5 million good deeds by years end. DONATED BY USAA, USAA BANK AND THE USAA FOUNDATION, Showing up for our communities INC. WITH A FOCUS ON MILITARY FAMILY RESILIENCE Taking care of military families and veterans As part of giving back to our local communities, USAA continues to look Military Family Resilience is our signature corporate responsibility 300,000+ HOURS for ways to make an impact in the communities where our employees cause and focuses on mental health and wellbeing, economic mobility live and serve by addressing opportunity gaps that lead to inequity. Last VOLUNTEERED BY EMPLOYEES ACCOMPLISHING and support for basic needs. year, we committed our final $20 million to nearly 50 nonprofit organizations 1.5M+ GOOD THINGS as part of a three-year, $50 million commitment to foster diversity, equity The USAA Foundation, Inc.,9 has long supported Vets4Warriors, a and inclusion made in late 2020. The nonprofits are focused on building nonprofit organization based at Rutgers University. Vets4Warriors diverse talent pipelines through education and employment programs. provides confidential and live 24/7 stigma-free and personalized peer 7.8 MILLION support for physical, mental, financial and social issues that veterans, In the wake of Hurricane Ians devastation, USAA also committed PROJECTED LIVES TOUCHED WITH 2022 GRANTS service members and their families or caregivers may be facing. $1.25 million to organizations aiding those impacted by the storm.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 19 We have provided more than $1.6 million in grants since 2016, and our Financial education and training support in 2022 helped more than 7,800 individuals, many of whom were struggling financially and needed access to veteran-specific Helping families become more financially secure extends beyond the resources or help obtaining VA benefits. products and services we provide. In 2022, The USAA Educational Foundation8 provided more than $5 million worth of free educational Supporting career transitions materials to improve financial readiness for the military and local community. As part of our 100th anniversary celebrations, USAA launched a nationwide pitch contest series, From Service to Startup, in collaboration with Bunker Labs, a nonprofit committed to aiding the military WE HAVE PROVIDED MORE THAN $1.6 MILLION IN community in launching startup ventures. We were looking for the GRANTS SINCE 2016, AND OUR SUPPORT IN 2022 next generation of entrepreneurs who could carry that same spirit of HELPED MORE THAN 7,800 INDIVIDUALS, MANY OF service-minded innovation forward, similar to when we were founded WHOM WERE STRUGGLING FINANCIALLY AND NEEDED more than 100 years ago. More than 500 veteran, military spouse or ACCESS TO VETERAN-SPECIFIC RESOURCES OR HELP military-affiliated entrepreneurs submitted their ideas, 43 entrepreneurs OBTAINING VA BENEFITS. pitched in the six regional competitions, and 10 finalists presented at USAAs headquarters. USAA also awarded a $1 million grant to GreenPath Financial Wellness, Clark Yuan, West Point graduate, Army veteran and the founder/CEO of a nonprofit that helps military families improve their financial health and Candelytics, won the $100,000 grand prize to continue to grow his 3D build resiliency. The grant expanded GreenPaths ability to provide free data visualization business. one-on-one financial counseling, financial wellness education and The DAniello Institute for Veterans and Military Families at Syracuse infrastructure tools to enhance access to Black, Indigenous, People of University, another USAA philanthropic grant recipient, provides support Color (BIPOC) households and military families. As a result, more than for Onward to Opportunity (O2O), which provides on-demand, industry- 158,000 lives were impacted and nearly 6,500 families have received validated skills training and employment services to the military- financial counseling sessions, participated in the nonprofits Debt connected community. In 2022, USAAs funding of O2O helped more Management Plan, or received advice and resources to improve their than 1,000 individuals learn new skills and nearly 500 veterans find credit score. meaningful employment. Money Management International, a nonprofit dedicated to financial I would tell everyone for this program to take full advantage of the management and literacy, also worked to increase its impact. Through opportunity, said Viola Fisher, an Army veteran and graduate of O2Os USAAs philanthropic support, the nonprofit provides counseling, Project Management Professional program. It is a great entrance point education and financial assistance for debt and housing issues to military for where you want to be next. families, active duty and retirees.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 20 HONORING AND ADVOCATING FOR THOSE WHO SERVESERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 21 U SAAs Military Affairs team is a vital link between USAA NFL Salute To Service and our members. Composed of retired officers and senior noncommissioned officers, the 55-person-strong team, The NFL has a long history of supporting the military, and USAA is USAA MILITARY AFFAIRS IS which has 1,400 years of combined military experience, advocates proud to have partnered in those efforts since 2011. During the NFL for currently serving, those who have honorably served and season, USAA hosts more than 10,000 military members annually at DEDICATED TO ADVOCATING FOR military families. events including the NFL Draft, training camps and regular season OUR MILITARY COMMUNITY games, as well as the Pro Bowl and Super Bowl. Each Military Affairs team member builds and maintains strategic relationships among USAA, military leaders and military-related In 2022, USAA sponsored seven boot camps with NFL teams across organizations so the association can support the military community the country to give military members a taste of a football training 1,400 YEARS around the globe, including the European and Pacific theaters. The camp and let them interact with NFL players and coaches. During this Military Affairs team also plays a critical role in USAAs military hiring once-in-a-lifetime experience, military members competed in NFL OF COMBINED MILITARY SERVICE efforts, helping to recruit and retain veterans, Reservists, National drills and watched a team practice, after which NFL players met with AMONG THE 55-PERSON TEAM Guardsmen, and military spouses, while also helping military transition the service members and showed their appreciation. to civilian life. In 2022, the team reached more than 13.5 million people with USAAs focus on financial strength, wisdom and shared Fort Innovate 4,300 military values. They held 4,300 virtual and in-person engagements to VIRTUAL AND IN-PERSON Since our beginning 100 years ago, weve been focused on finding promote USAA products and services, and they conducted 204 INFORMATIONAL EVENTS ON new ways to meet our members needs like pioneering toll-free financial readiness training classes addressing every step of a USAA PRODUCTS AND SERVICES calling for members in the U.S. to improving response times and military career. developing mobile deposit technology. 13.5 MILLION PEOPLE REACHED IN 2022 WITH A FOCUS ON USAAS FINANCIAL STRENGTH, MILITARY ACUMEN AND SHARED MILITARY VALUES 204 FINANCIAL READINESS TRAINING CLASSES FOR EVERY STEP OF A MILITARY CAREERSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 22 USAA BROUGHT FORT INNOVATE, A FREE TRAVELING INNOVATION LAB, TO CHILDRENS AND SCIENCE MUSEUMS ACROSS THE NATION LAST SUMMER. To celebrate how far weve come in 100 years and where were going, uniforms, Stenbom spent more than 1,000 hours weaving an American USAA brought Fort Innovate, a free traveling innovation lab, to childrens flag that honors the spirit of service. and science museums across the nation last summer. The goal was to He credits art with helping him deal with post-traumatic stress disorder. inspire the next generation of big thinkers and future innovators and teach visitors about the importance of innovation. The hands-on exhibits Art has given my voice back to me, he said. I know Im showcased five key military innovations from the past 100 years that have making a difference, and that is such a special thing. had a profound impact on society including Silly Putty and night vision. Visitors also learned how USAA has innovated over the past USAA veteran employees donated most of the uniforms from their own century to meet members ever-changing needs. military service, which represented all six military branches and every major conflict dating back to World War I. The flag also includes threads Freedoms Threads from one of Stenboms own uniforms, as well as pieces of his grandfathers uniforms. Commissioned for USAAs 100th anniversary, the Freedoms Threads The art installation was on display at the San Antonio International art installation is the creation of Minnesota artist and Iraq War veteran Airport before moving to its permanent home at USAAs headquarters. Jeffrey Stenbom. Using strips of cloth from 140 different military SERVICE IN ACTION As part of our 100th anniversary celebration, and advocate for his fellow veterans in Florida, but not having a USAA gifted 100 cars to military families in vehicle that could accommodate his wheelchair did. So through need through the National Auto Body Councils the program, USAA gifted the Flores family a truck so they have (NABC) Recycled Rides program. Through the reliable transportation as Flores helps fellow warriors on their unique program, insurers, collision repairers, own journey to recovery. paint suppliers and parts vendors come USAA teams across the association partnered with NFL legend together to repair and donate vehicles to deserving individuals Rob Gronkowski in Tampa to present the keys and good news and service organizations around the country. to Flores as one small way to give back to those who served U.S. Army veteran Jonny Flores is one such recipient. The Purple our country. Heart amputee didnt let his injury stop him from being a leaderSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 23 ENDURING SERVICESERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 24 S erving in the military means being mission ready. For 100 years and counting, USAA has made our members life ready with products and services for every milestone. We have done that by staying focused on serving with excellence, delivering great value and innovating for the future. USAAs creation to serve our military community was inherently innovative. And we advocated for airbags long before the industry saw the need. We also pioneered the technology that enables USAA members to deposit checks on their mobile device. In 2022, we continued our momentum with the development of new products underscored by USAAs rise to the 125th spot on the Patent 300 list by issuing 346 patents in 2022. Today, were focused on making our members experiences even better through our digital channels so that youre never more than two clicks away from the things you do most. And we work hard to keep our members information safe through strong logon security and behind-the-scenes technology that can help thwart cyber-attacks. Our ongoing modernization efforts will enhance our systems and technology to make it easier for members to do business with USAA. We are undergoing significant upgrades to our billing, claims, acquisition and servicing processing systems to create an enhanced experience for our members. As quickly as life changes and technology progresses, our members needs change. We continue to evolve our business, products and services to ensure we are meeting our mission empowering financial security through competitive products, exceptional service and trusted advice. We always will focus on meeting our members needs through excellent Service. Then, Now and Always.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 25 FINANCIALSSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 26 Overview financial information contained in the audited consolidated financial statements fairly represents USAAs financial position, results of 2022 was a challenging year for both USAA and our members. Persistent operations and cash flows. A copy of the complete audited consolidated inflation, continued supply chain and labor disruptions, volatile equity financial statements of USAA, including Ernst & Young LLPs unqualified markets, and rising interest rates created one of the most difficult independent auditors report thereon, is available upon request to operating environments in decades and significantly impacted profitability, USAA headquarters in San Antonio. resulting in our first loss since 1923. Despite these headwinds, we remained USAAs internal controls are designed to reasonably ensure that USAAs focused on maintaining a strong financial foundation, providing assets are safeguarded from unauthorized use or disposition and that exceptional service and delivering financial security for members. USAAs transactions are authorized, executed and recorded properly. In The economic environment had varying impacts across our businesses. addition, USAA has a professional staff of internal auditors who monitor While inflationary and supply chain pressures drove elevated P&C losses these controls on an independent basis. Furthermore, the Audit Committee and investment performance suffered from weak equity markets, the of USAAs Board of Directors engaged Ernst & Young LLP as independent Bank and Life Company benefited from a rising interest rate auditors to audit USAAs financial statements and express an opinion environment, which highlights the value of our diversified business mix. thereon. While Ernst & Young LLPs audit took into consideration USAAs With strategic actions and a solid capital foundation, we maintained our internal controls over financial reporting for purposes of designing audit overall financial strength, which allowed us to continue to meet procedures that support their financial statement audit opinion, Ernst & commitments to our members now and into the future. Young LLP does not express an opinion on the effectiveness of USAAs internal controls over financial reporting. The Audit Committee of Managements Responsibility for USAAs Board of Directors consists of members who are not officers or Financial Reporting employees of USAA. This committee meets periodically with management, internal auditors and Ernst & Young LLP to ensure that USAAs management is responsible for the integrity and objectivity of management fulfills its responsibility for accounting controls and the financial information presented in this annual report. Due to the preparation of the consolidated financial statements and related data. volume of financial information contained in the audited consolidated financial statements, including the accompanying footnotes, we have chosen not to include the full audited consolidated financial statements in this report to members. WAYNE PEACOCK The financial statements that appear in this document have been President and Chief Executive Officer selected from the audited consolidated financial statements to give summary financial information about USAA. For purposes of year-over- year comparisons, certain prior-year amounts were reclassified to conform to the current-year presentation. The selected financial JEFF WALLACE information was prepared by USAA in accordance with generally Chief Financial Officer accepted accounting principles (GAAP). Management believes theSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 27 Consolidated Statements YEARS ENDED DECEMBER 31 (DOLLARS IN MILLIONS) 2020 2021 2022 of Comprehensive Income REVENUES Insurance premiums, net $25,388 $26,323 $28,097 Facing the many economic challenges of 2022, USAA reported a net loss of $1.3 billion. Revenues decreased 3% from the prior-year despite strong Investment returns: product revenue performance across all of our businesses. Investment Interest and dividends earned, net 2,922 3,140 3,985 returns declined 44% driven by the absence of large prior-year investment Gains (losses) on investments, net 633 1,918 (1,157) gains and weak equity market performance as markets continued to be Total investment return 3,555 5,058 2,828 impacted by high inflation and a weakened global economy. Gains on sale of loans, net 726 364 147 Losses, benefits and expenses increased 13% from prior-year. Fees, sales and loan income, net 4,446 3,811 3,911 Non-catastrophe losses continued to rise, reflecting the impact of inflationary increases in claims expenses, consistent with the industry. Real estate operations 373 1,046 463 Proactive expense management helped to partially offset these costs, Other income1 1,808 928 851 even as we continued to invest in modernization and transformation Total revenues 36,296 37,530 36,297 efforts, keeping pace in an evolving competitive landscape. LOSSES, BENEFITS AND EXPENSES Net losses, benefits and settlement expenses 18,831 22,800 27,380 Amortization of deferred policy acquisition costs 746 737 780 Real estate expenses 129 117 56 Interest expense 244 111 205 Dividends to policyholders 1,302 219 144 Other operating expenses2 10,523 9,744 9,485 Total losses, benefits and expenses 31,775 33,728 38,050 Pretax income (loss) 4,521 3,802 (1,753) Income tax expense (benefit) 606 428 (472) Net income (loss) $3,915 $3,374 ($1,281) Less: Net income attributable to noncontrolling interests 8 74 15 NET INCOME (LOSS) ATTRIBUTABLE TO USAA 3,907 3,300 (1,296) Other comprehensive income (loss), net of tax 2,183 (2,558) (10,482) TOTAL COMPREHENSIVE INCOME (LOSS) $6,090 $742 ($11,778) 1Includes various items such as miscellaneous product services and fees and gain on sale. 2Includes various items such as personnel costs, IT costs, loan losses and premium taxes.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 28 Consolidated Balance Sheets YEARS ENDED DECEMBER 31 (DOLLARS IN MILLIONS) 2020 2021 2022 Although our net worth declined 32% year-over-year, USAAs strong and ASSETS resilient balance sheet continued to weather the volatile macroeconomic Cash and cash equivalents $13,555 $13,675 $11,738 environment. The degradation in net worth was attributable to higher Investments 128,324 134,656 118,785 unrealized losses in our available for sale (AFS) investment portfolio, Loans, net 40,601 38,107 40,617 which is the result of lower market valuations due to rising interest rates. It is important to note that this reduction in net worth is temporary, as Premiums due from policyholders 4,898 5,102 5,735 these AFS securities will accrete back to par, with equity being Property, equipment and software, net 1,996 2,112 2,544 replenished, as they approach their maturity date. Reinsurance recoverables 4,289 4,581 4,539 Assets decreased by 3% to $204 billion, driven largely by lower Deposit assets - 6,521 10,285 investment balances from an increase in unrealized losses due to rising Other assets1 6,686 5,923 9,762 interest rates and declines in the equity market. This decline is partially Total assets $200,349 $210,677 $204,005 offset by higher Bank loans and growth in the Annuity business as we LIABILITIES served more members, as well as a higher income tax receivable from unrealized losses in the bond portfolio. Bank deposits $94,179 $104,648 $101,645 Insurance reserves 29,898 32,309 36,792 Liabilities grew by 4% to $177 billion, primarily due to higher borrowings Life insurance funds on deposit 21,557 22,589 23,774 from an increase in Bank funding requirements and higher insurance reserves due to reserve strengthening in P&C. These increases were Borrowings 2,457 1,820 5,853 partially offset by a decline in Bank deposits as inflation and rising Other liabilities2 11,819 9,165 8,514 interest rates resulted in lower member savings and checking balances. Total liabilities $159,910 $170,531 $176,578 NET WORTH Total net worth $40,439 $40,146 $27,427 TOTAL LIABILITIES AND NET WORTH $200,349 $210,677 $204,005 1Includes various items such as accounts receivable and pension plans. 2Includes various items such as accounts payable and benefit plan obligations.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 29 Member Distributions YEARS ENDED DECEMBER 31 (DOLLARS IN MILLIONS) 2020 2021 2022 Subscribers Account distributions $618 $432 $343 In 2022, despite earnings pressure, USAA returned almost $2 billion to our members through distributions, dividends, and Bank rebates and Senior Bonus distributions1 296 307 315 rewards. These distributions continue to demonstrate USAAs ongoing Subscribers Account terminations 248 277 350 commitment to provide meaningful member value while maintaining Automobile policyholder dividends 1,260 178 103 long-term financial strength Total property and casualty distributions $2,422 $1,193 $1,111 Life insurance policyholder dividends 42 41 41 Bank rebates and rewards 595 748 825 TOTAL DISTRIBUTIONS TO MEMBERS2 $3,059 $1,982 $1,977 Past dividends or distributions are not a guarantee or promise of future dividends or distributions. 1Senior Bonus distributions represent additional Subscribers Account distributions for eligible members of the association with more than 40 years of membership. 2Includes amounts returned to members, associates and other customers.SERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 30 Disclosures fees for transactions made at non-USAA ATMs. 1% Foreign Transactions Score should not be used as the primary basis for making investment Fee may apply. See the Account and Service Fee Schedule for details. or financial decisions. A Financial Readiness Score provides a basic Investments/Insurance: Not a Deposit Not FDIC Insured Not Bank assessment that is based on information and assumptions provided by 5HomeReady is a registered trademark of Fannie Mae. Issued, Guaranteed or Underwritten May Lose Value you regarding your goals, expectations and financial situation, but it 6Early access to direct deposit funds is based on when USAA Federal does not guarantee financial success or replace more detailed financial 1The USAA SafePilot program is optional, but member must have an Savings Bank receives notice of payment from the payer, which is planning. The calculations do not infer that USAA assumes any fiduciary active USAA auto insurance policy to receive discount. This program is generally one to two business days before the scheduled payment date. duties. Consider your own financial circumstances and goals carefully only available in select states. Program availability and state restrictions Early access is not available for USAA payroll direct deposited into a before investing or purchasing financial products. Before making any apply. Smartphone and download of the USAA SafePilot App required. USAA Federal Savings Bank account. decision, consult your own tax, financial or legal advisors regarding your Participation discount expires at first renewal in which the earned situation. Information provided by you in connection with the Financial driving discount is applied, not to exceed 365 days. Earned driving 7The United Services Automobile Association (USAA) Connected Home Readiness Score tool is voluntary, will not be considered in connection discount offered at renewal and is based on driving behavior of all the program is optional. Must have an active USAA Homeowners Insurance with a request or application for credit or insurance products/services, drivers on the policy and may vary by state and over the life of the Policy and agree to share data from connected home devices to receive and may be used by USAA for marketing and other business purposes as policy. All discounts removed if enrollment is canceled. Savings subject discount. Smartphone, eligible connected home devices, and download set forth in the USAA Privacy Promise. to change. Restrictions apply. of the Resideo app also required. This program is only available in select states. Program availability and state restrictions apply. IMPORTANT: The projections or other information generated by the 2The USAA SafePilot program is optional. Member must have an active tool regarding the likelihood of various investment outcomes are for USAA auto insurance policy to receive discount. This program is only 8The USAA Perks program is provided through USAA Alliance Services informational purposes only, are hypothetical in nature, do not reflect available in select states. Program availability and state restrictions LLC, a wholly owned subsidiary of USAA. USAA Alliance Services actual investment results, and are not guarantees of future results. They apply. Smartphone and download of the USAA SafePilot App required. contracts with companies not affiliated with USAA to offer their are intended to provide an estimate of your plan over time and reflect products and services to members and customers. USAA Alliance Participation discount expires at first renewal in which the earned USAAs thoughts on overall financial readiness and strength. The tool Services receives compensation from these companies based on the sale driving discount is applied, not to exceed 365 days. Earned driving encourages you to consider USAA products, which benefits USAA. of these products or services. When you purchase a product or service discount is offered at renewal and is based on driving behavior of all the Revisit the tool periodically. Results are based on information provided from one of these companies, that company is responsible for protecting rated drivers on the policy. Discount may vary by state and over the life by you at a moment in time and are relevant for only as long as that your data and its processes and procedures may differ from those of of the policy. information remains the same. When the assumptions or data you have USAA. These companies have sole financial responsibility for their entered change in the future, or updates to the data utilized by the tool Review the Program Terms and Conditions for more information. products and services. occur, so will the projected results from the tool. Results may vary with 3USAAs pay as you drive insurance app leverages sensors and 9The USAA Educational Foundation (the Foundation) is a nonprofit each use of the tool and over time, and results may vary depending on technology through a smart phone application measuring how safely organization sponsored by USAA. The purpose of the Foundation is to the information provided by you. and how much you drive. A monthly variable rate is determined by lead and inspire actions that improve financial readiness in the military Use of the term member or membership refers to membership in factors that may include the drivers smoothness, focus, road choice, and local community. Its resources are available online and free of USAA Membership Services and does not convey any legal or ownership time of day, and mileage driven. Premium also includes a fixed rate charge. The Foundation does not endorse or promote any commercial rights in USAA. Restrictions apply and are subject to change. To join determined for policy term at time of purchase. Individual savings vary. supplier, product or service. USAA, separated military personnel must have received a discharge type 4When you use a non-USAA ATM, you may incur surcharge, usage, or This material is for informational purposes and is not investment advice, of Honorable or General Under Honorable Conditions. Eligible former other fees charged by the ATM operator or network. FSB refunds up to an indicator of future performance, a solicitation, an offer to buy or sell, dependents of USAA members may join USAA. $10 per monthly statement cycle in non-USAA ATM surcharge or usage or a recommendation for any specific product. A Financial ReadinessSERVICE. THEN, NOW AND ALWAYS. | USAA 2022 Annual Report to Members 31 VA loans require a one-time fee called a VA funding fee which may be Pay as you drive policies are issued by NOBLR Reciprocal Exchange, collected at closing or rolled into your loan. The fee is determined by the San Antonio, TX, a USAA company. To the extent permitted by law, loan amount, your service history, and other factors. A down payment participants are individually written, not all applicants may qualify. on your VA loan may be required in certain circumstances and maximum Coverages and savings availability varies by state. Eligibility rules apply. loan limits vary by county. NAIC #16461. USAA FSB NMLS 401058 Members were compensated for their participation. The USAA Educational Foundation (the Foundation) is a nonprofit No Department of Defense or government agency endorsement. organization sponsored by USAA. The purpose of the Foundation is to The trademarks, logos and names of other companies, products and lead and inspire actions that improve financial readiness in the military services are the property of their respective owners. and local community. Its resources are available online and free of charge. The Foundation does not endorse or promote any commercial supplier, product or service. Visa is a registered trademark of Visa International Service Association and used under license. Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank. Certificate of deposit for the USAA Secured Credit Card issued by USAA Savings Bank, and serviced by USAA Federal Savings Bank. Other bank products provided by USAA Federal Savings Bank. Both banks Member FDIC. Property and casualty insurance provided by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy. 293296-0423