USAA Savings Bank

P.O. Box 14050 IMPORTANT CHANGES TO

Las Vegas, Nevada 89114-4050
YOUR CREDIT CARD TERMS

BALDARI,JOHN D
105 CLYDESDALE DR
YORKTOWN VA 23693-2805 USA

May 24, 2024

Dear Dr. Baldari,

We’re committed to keeping you informed about changes to your account. We’re writing to let you know that effective
July 30, 2024, we’re updating your USAA Credit Card Agreement Pricing Schedule associated with your credit card
ending in 8395.

Changes to Your Account Terms

The following is a summary of changes that are being made to your account terms. For more information, please review the
attachment titled USAA Credit Card Agreement Pricing Schedule.

Revised Terms, as of July 30, 2024

Balance Transfer Fee 5% of the amount of each Balance Transfer.
Cash Advance Fee 5% of the amount of each Cash Advance. Fee waived when transferring
funds electronically to a USAA deposit account.

Balance Transfers, Convenience Checks and Cash Advances posting on or after July 30, 2024: For any Balance Transfer,
Convenience Check and Cash Advance transaction posting on or after July 30, 2024, the transaction fee will increase to
5%.

Balance Transfers, Convenience Checks and Cash Advances posting before July 30, 2024: The current transaction fee
will apply to the transaction.

During any period when your account has Servicemembers Civil Relief Act or State Military Benefits applied, your terms will
remain unchanged, until the Military Benefit period ends.

Electing to Reject the New Terms

These changes will apply to your account unless you notify us that you’re exercising your right to reject these changes before
July 30, 2024. If you’d like to exercise your right to reject these new terms, please call us at 210-531-USAA (8722),
800-531-8722, (TTY:711/TRS) or #8722 on a mobile device.

If we receive your notice of rejection, your credit card account will be closed. This means you’ll no longer be able to use your
credit card account for Purchases, Balance Transfers, Convenience Checks or Cash Advances. If your credit card account has
a Reward Program, as per the terms of that Reward Program, you’ll have up to 90 days to redeem your rewards. You’re still
obligated to pay any outstanding balance under the existing terms of your USAA Credit Card Agreement.

We value your relationship and appreciate you choosing us for your banking needs.

Online: usaa.com Phone: 210-531-USAA (8722) 800-531-8722 (TTY:711/TRS) Mobile: #8722

016746705 507283-0424

Page 1 of 2
Sincerely,

Josh Brosious
President
USAA Savings Bank
Credit cards are issued by USAA Savings Bank and are serviced by USAA Federal Savings Bank.

Attachment:
USAA Credit Card Agreement Pricing Schedule

Online: usaa.com Phone: 210-531-USAA (8722) 800-531-8722 (TTY:711/TRS) Mobile: #8722

016746705 507283-0424

Page 2 of 2
 USAA Credit Card Agreement Pricing Schedule

Revised Terms as of July 30, 2024

Interest Rates and Interest Charges
Regular
Annual Percentage Rate
(APR) for Purchases
Regular APR for Balance
Transfers
Regular APR for Cash
Advances
Penalty APR
Paying Interest
Minimum Interest Charge
For Credit Card Tips from
the Consumer Financial
Protection Bureau
19.15%
This APR will vary with the market based on the Prime Rate.
19.15%
This APR will vary with the market based on the Prime Rate.
19.15%
This APR will vary with the market based on the Prime Rate.
None
Your due date is at least 25 days after the close of each billing cycle. We will begin
charging interest on Purchases, Balance Transfers and Cash Advances on the
transaction date until they are paid. However, we will not charge you interest on
Purchases if you pay your entire balance by the due date each month.
None
To learn more about factors to consider when applying for or using a credit card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee None
Transaction Fees
Balance Transfer 5% of the amount of each Balance Transfer.

Cash Advance 5% of the amount of each Cash Advance. Fee waived when transferring funds
electronically to a USAA deposit account.
Foreign
None
Transaction
Penalty Fees
Late Payment Up to $351

Returned Payment Up to $351

Over-the-Credit None
Limit

How We Will Calculate Your Balance: We will use a method called “average daily balance including new transactions.” See the “How We Calculate
Interest” section of your Credit Card Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement.

Your Regular APR for Purchases: The regular interest rate for Purchases is a variable rate, currently 19.15% ANNUAL PERCENTAGE RATE (1.596% monthly
periodic rate). This rate is equal to the Prime Rate plus a margin of 10.65%.

Your Regular APR for Balance Transfers: The regular interest rate for Balance Transfers is a variable rate, currently 19.15% ANNUAL PERCENTAGE RATE
(1.596% monthly periodic rate). This rate is equal to the Prime Rate plus a margin of 10.65%.

Your Regular APR for Cash Advances: The regular interest rate for Cash Advances is a variable rate, currently 19.15% ANNUAL PERCENTAGE RATE
(1.596% monthly periodic rate). This rate is equal to the Prime Rate plus a margin of 10.65%.

Prime Rate: Variable APRs are based on the 8.50% Prime Rate as of May 23, 2024.

1
Late Payment Fee is $25.00 for the first late payment within the prior six billing periods; otherwise $35.00. Returned Payment Fee is $25.00 for first
returned payment within the prior six billing periods; otherwise $35.00. In no event will either fee exceed the Minimum Payment Due on your most recent
bill.