USAA - Winter 2013 - (Page 30)

LegaL disclosures Investments/Insurance: Not FDIC Insured * Not Bank Issued, Guaranteed or Underwritten * May Lose Value The preceding articles should not be considered tax, legal or estate-planning advice. Consult your tax, legal or estate-planning professional regarding your specific situation. Page 8 auto Circle® is a program provided by United Services automobile association. Participation in the auto Circle program is free. availability, eligibility restrictions and fees may apply to certain banking, insurance or ancillary products. auto loans subject to credit and property approval. Page 21 USaa Money Manager is not an investment advisory service of USaa. Information on non-USaa accounts is governed by the User agreement. USaa's personal financial management services are not sponsored or endorsed by any third party. Page 23 Home CircleTM is a program provided by United Services automobile association. availability, eligibility restrictions and fees may apply to certain banking, insurance or ancillary products. Loans subject to credit and property approval. equal Housing Lender. Some products provided through Home Circle are provided, directly or indirectly, by third-party providers. each company or provider has sole liability for its own products. Page 26 Moversadvantage® offered by USaa Relocation Services, Inc., a licensed real estate broker and subsidiary of USaa Federal Savings Bank. Not available for employer-sponsored relocations, or for transactions in Iowa or outside the U.S. This is not a solicitation if you are already represented by a real estate broker. Obtaining a mortgage from USAA Bank is optional, not required to utilize the MoversAdvantage Program, and can be acquired from other sources. Page 27 Offer subject to approval. as of 11/01/2013, aPR's are 9.9% to 25.9%, depending on your credit history and other factors. aPRs will vary with the market based on the Prime Rate. There is a transaction fee of 3% on cash advances ($200 maximum on each balance transfer and each convenience check) and 1% on foreign transactions. Rates and fees subject to change. Please contact us for the most current information. Page 28 Moversadvantage® offered by USaa Relocation Services, Inc., a licensed real estate broker and subsidiary of USaa Federal Savings Bank. Not available for employer-sponsored relocations, or for transactions in Iowa or outside the U.S. This is not a solicitation if you are already represented by a real estate broker. Obtaining a mortgage from USAA Bank is optional, not required to utilize the MoversAdvantage Program, and can be acquired from other sources. Cash bonus offer limited in some states. Bonus amount is based on sales price of home sold or purchased and cannot exceed $1,550 per transaction. a bonus is not available in alaska, Louisiana, Mississippi and Oklahoma. In Kansas and Ten30 usaa magazine WINTeR 2013 nessee, a gift card will be issued that is accepted at specific retailers. State regulations in Kansas limit the dollar amounts and the type of incentive. In Oregon, a commission reduction may be available at closing. In New Jersey, a commission credit may be available at closing. Please check with the program coordinator for details. You must be enrolled in the program and be represented at closing by an approved agent with a participating real estate firm in order to qualify for the bonus. Cash bonus not available to sellers in a short sale transaction. all USaa and non-USaa products, brand names, logos and company names are trademarks or registered trademarks of their respective owners. Page 29 USaa Car Buying Service provided by TrueCar, Inc. ("TrueCar"). USaa does not broker, sell or lease motor vehicles. This is an information publishing site operated by TrueCar, Inc. on behalf of USaa. TrueCar is not the seller of any of the vehicles listed. Unless otherwise noted, all vehicles shown on the USaa Car Buying Service are offered for sale by licensed motor vehicle dealers, which may not have the exact new vehicle you configured in inventory. any changes to the new vehicle you configured, including the addition of options, accessories or services at the dealer, may change the vehicle price. Used vehicles are subject to prior sale. Who is a USAA member? The term "member" generally refers to current USaa customers who are eligible for property and casualty insurance, and their spouses and children who are current USaa customers. Use of the term "member" does not convey any eligibility rights for auto and property insurance products or legal or ownership rights to USaa. General Disclosures: The trademarks, logos and names of other companies, products and services are the property of their respective owners. No Department of Defense or government agency endorsement. The preceding articles are not intended to be, and are not, legal or tax advice. The applicable tax law is complex, the penalties for non-compliance are severe, and the applicable tax law of your state may differ from federal tax law. Therefore, you should consult your tax and legal advisers regarding your specific situation. The preceding articles are provided for informational purposes only and are not intended to represent any endorsement, expressed or implied, by USaa or any affiliates. The preceding articles are provided for informational purposes only and are not intended to substitute for obtaining professional financial advice. Please thoroughly research and seek professional advice before acting on any information you may have found in these articles. These articles in no way attempt to provide financial advice that relates to all personal circumstances. Purchase of a nonproperty and casualty insurance product, or an insurance policy offered through USaa Insurance agency, does not establish eligibility for or membership in USaa property and casualty insurance companies. Membership and product eligibility restrictions apply. eligibility guidelines are subject to change without notice. applicants must meet underwriting guidelines. Information on USAA: What does USAA mean? USaa means United Services automobile association and its insurance, banking, investment and other companies. Banks Member FDIC, Investments provided by USaa Investment Management Company and USaa Financial advisors Inc., both registered broker dealers. Who is eligible for USAA auto and property insurance products? These products are available to current and former military members and their former dependents who meet certain membership eligibility criteria. Membership eligibility is subject to change. adult children of USaa members are eligible to purchase USaa property and casualty insurance if their eligible parent purchased USaa property and casualty insurance. eligible members with auto and property policies issued by United Services automobile association have ownership rights in USaa. Ownership rights, including Subscriber's accounts, do not apply to policies issued by other insurers within the USaa family of companies or to business assigned/accepted because of state insurance plans. Refer to your insurance policy to determine which company you are insured with. Contact us to find out about the benefits of your membership. USAA Companies USaa means United Services automobile association and its affiliates. Financial Advice Financial planning services and financial advice provided by USaa Financial Planning Services Insurance agency Inc. (known as USaa Financial Insurance Company in California, Lic. #0e36312), a registered investment advisor and insurance agency, and its wholly owned subsidiary, USaa Financial advisors Inc., a registered broker dealer. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified finanCial Planner™ in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. Property and Casualty Insurance provided by United Services automobile association, and its affiliate property and casualty insurance companies, San antonio, Texas, and is available only to persons eligible for P&C group membership. each company has sole financial responsibility for its own products. USaa Insurance agency means USaa Insurance agency, Inc. or USaa of Texas Insurance agency. Ca Lic # 0D78305, TX Lic # 7096. 9800 Fredericksburg Road, San antonio, Texas 78288. The agency represents third-party insurers that are not affiliated with USaa, and provides services to you on their behalf. It receives a commission on the sale or renewal of third-party insurance products, and may receive other performance based compensation from them. Purchase of thirdparty insurance products does not establish eligibility for or membership in USaa property and casualty insurance companies. Product availability may vary in some locations. Investments provided by USaa Investment Management Company and USaa Financial advisors Inc., both registered broker dealers. USaa Wealth Management is a service of USaa. Brokerage services are provided by USaa Investment Management Company. Trust Services offered by USaa Federal Savings Bank. Credit cards issued by USaa Savings Bank. Other bank products provided by USaa Federal Savings Bank, both Member FDIC. Life insurance and annuities Life insurance and annuities provided by USaa Life Insurance Company, San antonio, Texas, and in New York by USaa Life Insurance Company of New York, Highland Falls, N.Y. In most states, life insurance also provided by by USaa Direct Life Insurance Company, Omaha, Neb. each company has sole financial responsibility for its own products. USaa Life general agency, Inc. (Lga) (known in Calif. and N.Y. as USaa Health and Life Insurance agency) acts as an agent for select insurance companies to provide additional products to USaa members. Lga representatives are salaried and receive no commissions. However, Lga receives compensation from those companies, which may be based on the total quantity and quality of insurance coverage purchased through Lga. Plans not available in all states. each company has sole financial responsibility for its own products. Other Disclosures: The USAA Educational Foundation The USaa educational Foundation, a nonprofit organization, provides information on a variety of consumer issues but does not endorse or promote any commercial supplier, product or service. Visit The USaa educational Foundation website, www.usaaedfoundation.org, for more information. P&C Availability Product or service requirements, price and features can depend on the member's choices as well as laws and the product or service contracts, which may vary by location. We encourage you to read your USaa policies and contracts carefully. Underwriting restrictions apply. © 2013 USaa 800-531-USaa (8722) http://www.usaaedfoundation.org

Table of Contents for the Digital Edition of USAA - Winter 2013

Contents

USAA - Winter 2013