1. Manny Rios Senior Vice President, P&C Underwriting USAA “Leading Change”

2. Agenda » About USAA » Earth, Wind, & Fire – Case for Precision » Enhanced Precision through GIS » Creating an Effective Infrastructure » Role of Leadership in Driving Change

3. About USAA Founded in 1922 by a group of Army officers Diversified financial services provider: Insurance, banking, investments, retirement, advice Serving 7.4 million extraordinary members comprised of military personnel and their families

4. The Case for Precision SOURCE: Risk Management Solutions (RMS) WILDFIRE EARTHQUAKE TORNADO HAIL HURRICANE

5. Key Principles PRECISION PRICING OPTIMIZE PROGRAMS TARGET GROWTH ADVOCATE SAFETY

6. Precision In Action Minimal Risk Extreme Risk Minimal Extreme Very High High Moderate Low Surge Risk

7. Understanding Risk Visuals are compelling storytellers Note: This image is for commentary purposes only and is not endorsed by the copyright holder

8. GIS Infrastructure Enduring and multidimensional Scalable Across Enterprise Provides dynamic insight Simplifies the Complex Enables Self Service Transparency and empowerment

9. Role of Leadership Enable a Culture Shift Communication Develop Strategic Vision

10. Key Takeaways Enable Culture Shift Create Effective Infrastructure Further Employee Acceptance