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5 USAA Federal Savings Bank McDermott Freeway San Antonio, Texas Effective Account Plan 03/01/2014 This calendar applies to the USAA Federal Savings Bank Accounts described below. It is part of the mandatory contract between you and the bank for your deposit report. Please check the entire calendar carefully. The bank can change the accounts described in this calendar at any time by adding new terms of sale or by removing or changing existing terms and conditions. The bank can add new accounts or convert or settle existing accounts from time to time. Other terms and conditions for your account can be found in the confidentiality agreement and declarations, as well as in the service fee plan. Control Accounts with Interest Account USAA Secure Checking Minimum Amount to Open Account 25 No Minimum Balance Required Monthly Service No Monthly Or Annual Service Fees Authorization Account Holders Must Be Individuals. Account holders under the age of 18 must have an adult joint account holder. Account/Online Banking Service Features with USAA Debit Card Service for Holders of Qualified Accounts Money from Your Current Accounts or Savings Overdraft Coverage Services from Your Linked USAA Account or USAA Credit Card Unlimited Check Write other important information about your previously known account as Four-Star Checking, College Start Checking, USAA Free Checking. The account earns interest at a variable rate for balances greater than $1,000. You will find up-to-date information on interest rates and interest rates applicable at: Prices can change daily. The audit of interest accounts continued on page 2.

USAA Federal Savings Bank USAA (8722) page 1 of 6 Account Minimum Amount to pay monthly service fee Allows Account Features/Services Other important information on the USAA Secure Checking Plus account (valid from 19.10.2013.) $50 No minimum balance required 9.95 Account holder (e) USD must be individuals. The account holder (s) must have established a credit history. Account holders under the age of 18 must have an adult joint account holder. The owner of the main account must be eligible for the Experian ProtectMyID service. World Debit MasterCard benefits o Price Protection o Advanced Guarantee purchase security Including identity theft by the ProtectMyID Experian service for the first plus an additional account holder. o Internet monitoring for unauthorized use of your social security number and credit card numbers. o 3-Office of Daily Credit Supervision and Alerts on Important Changes o Help to notify your creditors if your wallet is lost or stolen Online Bank from and service for eligible account holders Transfers from your debit or savings account Overdraft coverage services from your USAA bank linked account or USAA ProtectMyID Credit Card will cover with the closure or conversion of the USAA Secure Checking Plus account.