EFTA00097084

<table><thead><tr><th colspan="2">Account Summary</th></tr></thead><tbody><tr><td>Account Number</td><td>4270 XXXX XXXX 5034</td></tr></tbody></table>

**Address change?** Visit us at: www.usaa.com or complete the form below and return it with your payment. The address change will update ALL USAA products and services associated with your household.

<table border="1"><tr><td>New Balance</td><td>Minimum Payment Due</td><td>Payment Due Date</td><td>Amount Enclosed</td></tr><tr><td>$5,958.67</td><td>$0.00</td><td>12/21/19</td><td>$</td></tr></table>

To ensure proper credit, please return this portion with your Check or Money Order payment made payable to USAA Savings Bank. DO NOT SEND CASH.

<table border="1"><tr><td colspan="3">Address</td></tr><tr><td>City</td><td>State</td><td>Zip</td></tr><tr><td colspan="3">H Phone( ) W Phone( )</td></tr></table>



USAA CREDIT CARD PAYMENTS

10750 MCDERMOTT FWY

SAN ANTONIO TX 78288-0570



SCOTT G BORGERSON

MANCHESTER MA 01944-1540







007813821




427082300514990100000000005958673





Please detach and mail the coupon above with your payment.



<table border="1"><tr><td>Account Number</td><td>4270 XXXX XXXX 5034</td></tr><tr><td>Credit limit</td><td>$35,000.00</td></tr><tr><td>Available credit</td><td>$28,993.00</td></tr></table>

Questions?

Visit us at www.usaa.com

Questions? Call Customer Service



11/26/19



Lost or Stolen Card



Or write us at:



PO BOX 65020, SAN ANTONIO, TX 78265-5020



Remit payment to:

Get statements faster, save paper, and reduce your risk of identity theft with USAA Documents Online. It's free, convenient, and helps us save you money. Log on to usaa.com and sign up today.

<table border="1"><tr><td colspan="3">Summary of Account Activity</td></tr><tr><td>Previous Balance</td><td></td><td>$2,151.71</td></tr><tr><td>Payments</td><td>-</td><td>$6,548.15</td></tr><tr><td>Other Credits</td><td>-</td><td>$0.00</td></tr><tr><td>New Purchases</td><td>+</td><td>$10,355.11</td></tr><tr><td>New Cash Advances</td><td>+</td><td>$0.00</td></tr><tr><td>New Balance Transfers</td><td>+</td><td>$0.00</td></tr><tr><td>Fees Charged</td><td>+</td><td>$0.00</td></tr><tr><td>Interest Charged</td><td>+</td><td>$0.00</td></tr><tr><td></td><td></td><td></td></tr><tr><td>New Balance</td><td></td><td>$5,958.67</td></tr><tr><td>Credit Limit</td><td></td><td>$35,000.00</td></tr><tr><td>Available Credit</td><td></td><td>$28,993.00</td></tr><tr><td>Days in Billing Cycle</td><td></td><td>30</td></tr></table>

## Statement Closing Date

USAA Documents Online

Important Reminder:The variable Annual Percentage Rates (APRs) on your Account are determined each billing period based on the Prime Rate plus a margin. Due to the recent change in the Prime Rate, your variable APRs decreased this billing period by 0.25%. Your new variable APRs are shown in the "Interest Charge Calculation" section below. Variable rates are identified on the statement with a "(V)" next to the name of the balance type.

<table border="1"><tr><td colspan="2">Payment Information</td></tr><tr><td>New Balance</td><td>$5,958.67</td></tr><tr><td>Minimum Payment Due</td><td>$0.00</td></tr><tr><td>Payment Due Date</td><td>12/21/19</td></tr></table>

Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00.

Minimum Payment Warning: If you make only the regular minimum payment* each period, you will pay more in interest and it will take you longer to pay off your balance. For example:

<table border="1"><tr><td>If you make no additional charges using this card and each month you pay...</td><td>You will pay off the balance shown on this statement in about...</td><td>And you will end up paying an estimated total of...</td></tr><tr><td>Only the minimum payment</td><td>23 years</td><td>$11,773.00</td></tr><tr><td>$200.00</td><td>3 years</td><td>$7,191.00(Savings=$4,582.00)</td></tr></table>

If you would like information about credit counseling services, call

*See Important Account Information at end of statement. You may repay the total balance at any time.

## Rewards Summary

USAA REWARDS PROGRAM

FOR MORE INFORMATION ABOUT YOUR USAA REWARDS PROGRAM, GO TO YOUR ACCOUNT SUMMARY PAGE ON USAA.COM OR CALL , 9 AM - 8 PM (ET), 7 DAYS A WEEK.



007813821




5550


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| 7 | 18 | 191126 | 0 |
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PAGE 1 of 4

| 10 | 3309 | 3000 | B164 | O1AB5550 |
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EFTA00097085

Payment Conditions. Payments must be made in U.S. dollars and drawn on funds on deposit at financial institutions insured by the F.D.I.C. Do not mail cash. Pavments received by us by 5 pm central time will be credited as of the same day if the payment is in U.S. dollars and made:

- By check or money order drawn on a financial institution located in the U.S. or the post office, accompanied only with this payment coupon or your account number, and either mailed to our payment address on the front or delivered in person to us (do not mail cash);

- Electronically on usaa.com or through a third-party bill paying service; or

Telephonically by calling

Payments that we accept that do not meet the above requirements will be credited within 5 days. We reserve the right to withhold credit availability until we confirm receipt of good funds.

Account Settlements. You cannot settle your account balance without our written agreement. If you want to settle your account for less than the New Balance (for example if you dispute the amount you owe or you cannot afford to pay what you owe), you must write to us at USAA Credit Card Resolution Services, P.O. Box 34894, San Antonio, TX 78265 and we must agree in writing. Otherwise, we may process your payment and it will not release you from paying the remaining unpaid balance or result in an accord and satisfaction.

<table border="1"><tr><td colspan="5">Payments and Credits</td></tr><tr><td>Trans Date</td><td>Post Date</td><td>Reference Number</td><td>Description</td><td>Amount</td></tr><tr><td>11/20</td><td>11/20</td><td>7427082A400XSVDM6</td><td>USAA CREDIT CARD PAYMENT SAN ANTONIO TX</td><td>$6,548.15</td></tr><tr><td></td><td></td><td></td><td>Total Payments And Credits For This Period</td><td>$6,548.15</td></tr></table>

<table><thead><tr><th>Trans Date</th><th>Post Date</th><th>Reference Number</th><th>Description</th><th>Amount</th></tr></thead><tbody><tr><td>1028</td><td>1028</td><td>24324859D2FVWFDF</td><td>Short &amp; Main Glucose MA</td><td>$128.07</td></tr><tr><td>1028</td><td>1028</td><td>24319809D2FVWH2</td><td>FRING UPRM2GLUCOLEMA MA</td><td>$6.98</td></tr><tr><td>1028</td><td>1028</td><td>24313996DQF1A1G8</td><td>SPORTS STOP WENHAM MA</td><td>$28.00</td></tr><tr><td>1028</td><td>1028</td><td>24137468EJAZ4X1Q</td><td>TST BRACKETTS OCEANWE ROCKPORT MA</td><td>$3.76</td></tr><tr><td>1028</td><td>1028</td><td>24164078OMYN6F1</td><td>PETCO 3722 63537229 GLUCOLEMA MA</td><td>$25.49</td></tr><tr><td>1028</td><td>1028</td><td>2492159QRWKWAX3</td><td>SQ &#x27;TOODEOSI TOY GLUCOLEMA MA</td><td>$21.20</td></tr><tr><td>1028</td><td>1028</td><td>2492169DZXYG1NH5</td><td>SQ &#x27;SHEDS SMOKED BBOB Boston MA</td><td>$19.26</td></tr><tr><td>1028</td><td>1028</td><td>2492169DZXYG1NH5</td><td>RUDGE LLEVER BBOB MA</td><td>$19.26</td></tr><tr><td>1028</td><td>1028</td><td>24137468EEPXSLW4</td><td>OPC BOSTON PARK - ECOM MA</td><td>$4.15</td></tr><tr><td>1029</td><td>1029</td><td>24137468EEPXSLY4</td><td>OPC BOSTON PARK - ECOM MA</td><td>$4.15</td></tr><tr><td>1029</td><td>1029</td><td>247542EBJR1A1RS</td><td>ZEN JAPANESE GILLI AND SU BOSTON MA</td><td>$20.07</td></tr><tr><td>1030</td><td>1030</td><td>242979G00W2K2KW</td><td>SUGAR MAGNOLIAS - GLUCOLEMA MA</td><td>$25.94</td></tr><tr><td>1030</td><td>1030</td><td>2431085GRQNEVSB</td><td>DUNKIN #311503 CQS GLUCOLEMA MA</td><td>$3.46</td></tr><tr><td>1030</td><td>1030</td><td>2445008KNEW525</td><td>SEASEE KERNEL COOMBA MA</td><td>$12.08</td></tr><tr><td>1011</td><td>1011</td><td>2488995KGVFJ7JTE</td><td>LAULBERGE CHEF FRANCIOS GREAT FALLS VA</td><td>$154.85</td></tr><tr><td>1011</td><td>1011</td><td>2413998H03YTR11</td><td>WILLOW ST STE STORAGE MA</td><td>$400.00</td></tr><tr><td>1011</td><td>1011</td><td>2416405BJ01H2T3</td><td>EXXONMQBIL 97449136 FITCHBURG MA</td><td>$39.68</td></tr><tr><td>1011</td><td>1011</td><td>2416405JRBGTK1NN</td><td>EXXONMQBIL 97449136 FITCHBURG MA</td><td>$15.98</td></tr><tr><td>1011</td><td>1011</td><td>2445008KNEW525</td><td>FIVE GLUYS MA 1580 QSR LEEMINSTER MA</td><td>$12.08</td></tr><tr><td>1011</td><td>1011</td><td>2492168JZK60SQ5</td><td>SO THE SOUTHERN PIE CHEFT VC</td><td>$7.36</td></tr><tr><td>1013</td><td>1014</td><td>2492910KGBMWMEH</td><td>JIFYF MART 650 CITGO CHESTER VA</td><td>$36.25</td></tr><tr><td>1014</td><td>1014</td><td>240097MH6K4EQB4</td><td>MOOO RESTaurant VT MA</td><td>$119.16</td></tr><tr><td>1014</td><td>1014</td><td>2403141S56H1JMR</td><td>LIFE ALVE CAFE (BOYLSTON) MA</td><td>$10.43</td></tr><tr><td>1014</td><td>1014</td><td>2403141M56H1JMP</td><td>LIFE ALVE CAFE (BOYLSTON) Boston MA</td><td>$8.37</td></tr><tr><td>1014</td><td>1014</td><td>2445008NPPQHBQG</td><td>THE PARAIM BAKE (BOYLSTON) MA</td><td>$12.08</td></tr><tr><td>1015</td><td>1016</td><td>2445008NPPQHBQG</td><td>MBTA Park Street Boston MA</td><td>$5.80</td></tr><tr><td>1015</td><td>1016</td><td>2473735P000YGHA</td><td>LI PERETT COMPANY Boston MA</td><td>$9.75</td></tr><tr><td>1016</td><td>1016</td><td>2431069PB2P2TSH</td><td>SHINLA- BOSTON MA</td><td>$1,753.13</td></tr><tr><td>1016</td><td>1016</td><td>2431069PB2P6P</td><td>EATALY BASTON Saldo Boston MA</td><td>$13.416</td></tr><tr><td>1016</td><td>1016</td><td>2431069PBGSAD2S</td><td>2657 AMC BOSTON COMMON BOSTON MA</td><td>$14.19</td></tr><tr><td>1017</td><td>1018</td><td>242733BLRYAK3T7</td><td>TST BOYLSTON BOSTON MA</td><td>$19.19</td></tr><tr><td>1019</td><td>1019</td><td>2431688SFRGJK7L6</td><td>GULF Oil 92038891 FRAMINGH MA</td><td>$33.27</td></tr><tr><td>1019</td><td>1019</td><td>2469216SXXK4KGG</td><td>CIRCLE K 07406 DUMMER VT MA</td><td>$4.26</td></tr><tr><td>1101</td><td>1101</td><td>2426389VBHLW2VX2</td><td>WAL-MART #250 RLTAND WA</td><td>$43.86</td></tr><tr><td>1101</td><td>1101</td><td>2426979WVRA95F7</td><td>RURLAND PREMIUM CINEMA RLTAND VT</td><td>$30.00</td></tr><tr><td>1101</td><td>1101</td><td>2426979WVRA95F7</td><td>DUNKIN #311503 CQS GLUCOLEMA MA</td><td>$31.86</td></tr><tr><td>1111</td><td>1112</td><td>2445008WDMGHY16</td><td>GAMESTOP 5308 STONEham MA</td><td>$14.44</td></tr><tr><td>1112</td><td>1112</td><td>247542XMASEMWWX</td><td>BOS WAHWLBURHG 651400 Boston MA</td><td>$42.68</td></tr><tr><td>1113</td><td>1113</td><td>2432859YGFWDEZES</td><td>Slipstream II Washington DC</td><td>$7.76</td></tr><tr><td>1113</td><td>1113</td><td>2403141S56OJY1Y</td><td>LIFE ALVE CAFE (BOYLSTON) Boston MA</td><td>$11.44</td></tr><tr><td>1113</td><td>1113</td><td>2403141S56EGF72</td><td>DELUCAS BASTON CAPULT BUFFTON VA</td><td>$4.82</td></tr><tr><td>1113</td><td>1113</td><td>2492169XZKVRQVZ7</td><td>EATALY BASTON CAPULT BUFFTON VA</td><td>$3.82</td></tr><tr><td>1113</td><td>1113</td><td>2754259YJWAKRN8</td><td>ZEN JAPANESE GRILL AND SU BOSTON MA</td><td>$15.09</td></tr><tr><td>1114</td><td>1114</td><td>2416407ZEE1YKLMN</td><td>GROVE-WASHINGTON WASHINGTON DC</td><td>$6.42</td></tr><tr><td>1114</td><td>1114</td><td>2416407ZEE1YKLMN</td><td>ALLENS PHARMACO8711459 MANCHESTER MA</td><td>$20.16</td></tr><tr><td>1114</td><td>1114</td><td>2405839XMSEMWW</td><td>CROSYSWARNBM MA</td><td>$10.16</td></tr><tr><td>1114</td><td>1114</td><td>2058383XH01G1</td><td>XOSLA HXSOLLA.COM MA</td><td>$10.62</td></tr><tr><td>1115</td><td>1115</td><td>249297A00YFDBN</td><td>SUGAR MAGNOLIAS - GLUCOLEMA MA</td><td>$22.73</td></tr><tr><td>1115</td><td>1115</td><td>2431746A10ISPJB7J</td><td>WHODELS FU 10#152 LYNNIFIELD MA</td><td>$9.63</td></tr><tr><td>1116</td><td>1116</td><td>2431746A10ISPJB7L</td><td>WHODELS FU 10#152 LYNNIFIELD MA</td><td>$8.243</td></tr><tr><td>1116</td><td>1116</td><td>2445008AEZHXZKW</td><td>SGUYS 1487 QRS PEABODY MA</td><td>12.17</td></tr><tr><td>1118</td><td>1118</td><td>2003412A56W1P4</td><td>DELUCAS BASTON CAPULT BUFFTON MA</td><td>$10.43</td></tr><tr><td>1118</td><td>1118</td><td>2003412A56W1P4</td><td>LIFE ALVE CAFE (BOYLSTON) Boston MA</td><td>$10.43</td></tr><tr><td>1119</td><td>1121</td><td>2115743JR3JR2EF</td><td>BLUNDSTONE(JA.)NJC</td><td>NJ</td></tr><tr><td>1129</td><td>1129</td><td>201399403EQ9MB</td><td>BLU RESTaurant Boston MA</td><td>18.19</td></tr><tr><td>1129</td><td>1129</td><td>245138450VZ2G5B</td><td>BACK HEALC CARE BOSTON MA</td><td>70.00</td></tr><tr><td>1200</td><td>1200</td><td>2471647A50TYYBD</td><td>WOLF HILD GARDEN CENTER GLUCOLEMA MA</td><td>$43.00</td></tr><tr><td>1200</td><td>1200</td><td>2445008A00TYPB</td><td>CKE BELEVER BOSTON MA</td><td>$26.38</td></tr><tr><td>1200</td><td>1200</td><td>2034142A56W1P4</td><td>LIFE ALVE CAFE (BOYLSTON) Boston MA</td><td>$18.49</td></tr></tbody></table>

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EFTA00097086

<table border="1"><tr><td colspan="2">Account Summary</td></tr><tr><td>Statement Closing Date</td><td>11/26/19</td></tr><tr><td>Account Number</td><td>4270 XXXX XXXX 5034</td></tr><tr><td>Payment Due Date</td><td>12/21/19</td></tr></table>

<table><thead><tr><th colspan="6">Transactions (continued)</th></tr></thead><tbody><tr><td>11/22</td><td>11/22</td><td>2420429A6004N1AT</td><td>Tesla</td><td>CA</td><td>$4,250.00</td></tr><tr><td>11/22</td><td>11/22</td><td>2444500A78PROX97Y</td><td>MBTA ARLINGTON BOSTON MA</td><td></td><td>$11.60</td></tr><tr><td>11/22</td><td>11/22</td><td>2449215A6RWLLQF13</td><td>SQ &#x27;GOURMET BOUTIQ BOSTON MA</td><td></td><td>$2.99</td></tr><tr><td>11/22</td><td>11/22</td><td>2449215A7MJFSMZZH</td><td>SQ &#x27;GOURMET BOUTIQ BOSTON MA</td><td></td><td>$3.18</td></tr><tr><td>11/22</td><td>11/22</td><td>2469216A62XZWHVSH</td><td>DNCSS TD GARDEN CONCES BOSTON MA</td><td></td><td>$8.25</td></tr><tr><td>11/23</td><td>11/23</td><td>2405523A8609SQPH9</td><td>The PARAMOUNT BOSTON MA</td><td></td><td>$27.01</td></tr><tr><td>11/23</td><td>11/23</td><td>2429910A80345WRFL</td><td>MANCHESTER GAS &amp; SERVICE MANCHESTER MA</td><td></td><td>$49.02</td></tr><tr><td>11/23</td><td>11/23</td><td>2443106A8BLKHLT25</td><td>MANCHESTER ACE HOWE MANCHESTER MA</td><td></td><td>$35.03</td></tr><tr><td>11/23</td><td>11/23</td><td>2449215A7LRASBSSF</td><td>UBER TRIP HELP.UBER.COM CA</td><td></td><td>$8.62</td></tr><tr><td>11/23</td><td>11/23</td><td>2449215A7RVLYS7LL</td><td>SQ &#x27;ESSEN MANCHESTER MA</td><td></td><td>$35.74</td></tr><tr><td>11/23</td><td>11/23</td><td>2449215A7RWLZE6TT</td><td>SQ &#x27;ESSEN MANCHESTER MA</td><td></td><td>$5.12</td></tr><tr><td>11/25</td><td>11/25</td><td>2469216A92X9QYV70</td><td>SQ &#x27;CLOVER FOOD LAB Cambridge MA</td><td></td><td>$10.80</td></tr><tr><td>11/25</td><td>11/25</td><td>2469216A92Y1VYJPL</td><td>SQ &#x27;JUICE PRESS Boston MA</td><td></td><td>$14.02</td></tr><tr><td></td><td></td><td></td><td>Total Transactions For SCOTT G BORGERSON</td><td></td><td>$9,427.01</td></tr><tr><td colspan="6">Transactions</td></tr><tr><td colspan="6">GHISLAINE BORGERSON - 4270 XXXX XXXX 0912</td></tr><tr><td>Trans Date</td><td>Post Date</td><td>Reference Number</td><td>Description</td><td></td><td>Amount</td></tr><tr><td>10/30</td><td>10/30</td><td>24692169F2XY7K3L</td><td>AMZN Mktp US&#x27;Y81685IS3 Amzn.com/bill WA</td><td></td><td>$47.76</td></tr><tr><td>10/30</td><td>10/30</td><td>24692169F2XY85FJL</td><td>AMZN Mktp US&#x27;BU6U66R2 Amzn.com/bill WA</td><td></td><td>$623.92</td></tr><tr><td>10/30</td><td>10/30</td><td>24692169F2XY82PP6P7</td><td>AMZN Mkpt US&#x27;DG03H7IG3 Amzn.com/bill WA</td><td></td><td>$105.09</td></tr><tr><td>11/01</td><td>11/01</td><td>24692169H2X72B6V</td><td>AMZN Mkpt US&#x27;CH8CY8CS3 Amzn.com/bill WA</td><td></td><td>$10.30</td></tr><tr><td>11/09</td><td>11/09</td><td>24692169T2AVJAXL</td><td>Amazon Prime Amzn.com/bill WA</td><td></td><td>$12.99</td></tr><tr><td>11/16</td><td>11/16</td><td>2469216A02XNRAMG</td><td>Audible&#x27;CJ0P28SE3 Amzn.com/bill NJ</td><td></td><td>$14.95</td></tr><tr><td>11/19</td><td>11/19</td><td>2469216A32XG7SV5</td><td>AMZN Digital&#x27;BG14T7K13 WA</td><td></td><td>$16.99</td></tr><tr><td>11/22</td><td>11/22</td><td>2443106A72DJSB588</td><td>AMZN MkTP US&#x27;2M62L7M03 AM AMZN.COM/BILL WA</td><td></td><td>$26.12</td></tr><tr><td>11/23</td><td>11/23</td><td>2443106A72DZSV7TN</td><td>AMZN MkTP US&#x27;JS81GUY3 AM AMZN.COM/BILL WA</td><td></td><td>$69.98</td></tr><tr><td></td><td></td><td></td><td>Total Transactions For GHISLAINE BORGERSON</td><td></td><td>$928.10</td></tr><tr><td colspan="6">Fees</td></tr><tr><td>Trans Date</td><td>Post Date</td><td>Card Reference Number</td><td>Description</td><td></td><td>Amount</td></tr><tr><td></td><td></td><td></td><td>Total Fees For This Period</td><td></td><td>$0.00</td></tr><tr><td colspan="6">Interest Charged</td></tr><tr><td>Trans Date</td><td>Post Date</td><td>Reference Number</td><td>Description</td><td></td><td>Amount</td></tr><tr><td>11/26</td><td>11/26</td><td></td><td>Interest Charge on Purchases</td><td></td><td>$0.00</td></tr><tr><td>11/26</td><td>11/26</td><td></td><td>Interest Charge on Cash Advances</td><td></td><td>$0.00</td></tr><tr><td>11/26</td><td>11/26</td><td></td><td>Interest Charge on Balance Transfers</td><td></td><td>$0.00</td></tr><tr><td></td><td></td><td></td><td>Total Interest For This Period</td><td></td><td>$0.00</td></tr></tbody></table>

<table border="1"><tr><td colspan="2">2019 Totals Year-to-Date</td></tr><tr><td>Total fees charged in 2019</td><td>$0.00</td></tr><tr><td>Total interest charged in 2019</td><td>$0.00</td></tr></table>

Interest Charge Calculation

<table border="1"><tr><td>Type of Balance</td><td>Annual Percentage Rate(APR)</td><td>Balance Subject to Interest Rate*</td><td>Interest Charge</td></tr><tr><td>Regular Purchases(v)</td><td>12.65%</td><td>$0.00</td><td>$0.00</td></tr><tr><td>Regular Cash Advances(v)</td><td>12.65%</td><td>$0.00</td><td>$0.00</td></tr><tr><td colspan="4">The APR for a balance type followed by a(v) is a variable rate.</td></tr><tr><td colspan="4">Paying Interest and Your Grace Period: We will not charge you any further interest on your Purchase Balance on this Statement if you pay your entire New Balance by your Payment Due Date of 12/21/19.</td></tr><tr><td colspan="4">*Balance Computation Method: Average Daily Balance (including New Purchases). For more information about how we calculate the Balance Subject to Interest Rate and how resulting interest was determined, call</td></tr></table>

Additional Disclosures

If your name appears on this statement, our records show that this is your account and that you are liable for paying the New Balance.

Information reported to credit bureaus. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

NOTE: When you pay by check, you authorize us to use information from your check to make a one-time electronic funds transfer from your checking account. Funds may be withdrawn from your account as early as the day we receive your payment and you will not receive your check back from your bank.

What to Do If You Think You Find A Mistake on Your Statement
If you think there is an error on your bill, write to us at:
USAA Credit Card Services,
P.O. Box 65020,
San Antonio, TX 78265-5020.

In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

Additional Disclosures continue on next page.



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Additional Disclosures (continued)

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us at or notify us electronically at usaa.com, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: USAA Credit Card Services, P.O. Box 65020, San Antonio, TX 78265-5020. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.

Liability for Unauthorized Use

If you notice the loss or theft of your credit card or a possible unauthorized use of your card, call us immediately at (overseas, call collect, etc.). You may also contact us on the Web at www.usaa.com or write to us at: USAA Credit Card Services, P.O. Box 65020, San Antonio, TX 78265-5020.

With our Zero Liability Policy, you are not liable for Unauthorized Use of your Card.

Merchant Credits

If you become entitled to a credit from any person who accepts your card, that person must transmit a credit statement to us within seven business days. We must credit your account within three business days following receipt of the credit statement. You are not responsible for payment of any interest or other charges resulting from any failure to comply with these requirements.

USAA credit cards are issued by USAA Savings Bank.

## Important Account Information

## Minimum Payment Addendum to the USAA Credit Card Agreement

When we send you a bill, it will show your Minimum Payment Due. We must receive payment of at least the Minimum Payment Due by the Payment Due Date on the bill. Notwithstanding anything to the contrary in Section 23 of the USAA Credit Card Agreement, the amount of your Minimum Payment Due will be the greater of: (1) the sum (rounded to the nearest dollar) of 1% of your New Balance plus the interest and fees we charged as shown on the bill and any past due amounts; or (2) $15. However, if your New Balance exceeds your Credit Limit, then at our option, we may require you to pay any amount up to the entire overlimit amount instead of the Minimum Payment Due. In no event will your Minimum Payment Due exceed the amount of your New Balance. We may adjust your Minimum Payment Due in accordance with our PayAhead Program.

Pay-Ahead Program: Your Regular Minimum Payment is the Minimum Payment amount calculated in accordance with the USAA Credit Card Agreement. If your account is eligible for our Pay-Ahead Program and is in good standing, when you make more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment; however, the amount of the minimum payment due displayed on the first page of your statement, on usaa.com, on mobile devices, and on our phone systems is reduced by the amount you may skip.

Your Regular Minimum Payment this month is $60.00. If the amount of the minimum payment due displayed on the first page of this statement is less than $60.00, you may skip the difference between the two amounts and you need only pay the lower amount under our Pay-Ahead Program. This means the amount that you must pay on this statement is $0.00. Remember that Finance Charges continue to accrue on all unpaid balances.

If you use a bill paying service and pay the minimum, the payment made will be the amount of the minimum payment due displayed on the first page rather than the Regular Minimum Payment. You may opt out of the Pay-Ahead Program at any time by calling us at ___.

Your 2019 Year-End Summary will be available on USAA.com and the USAA Mobile application by February 2020. Your account must be open and in good standing at the end of 2019 for a Year-End Summary to generate.



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