Manny RiosSenior Vice President, P&C Underwriting USAA

““Leading Change”Leading Change”

Agenda

» About USAA

» Earth, Wind, & Fire – Case for Precision

» Enhanced Precision through GIS

» Creating an Effective Infrastructure

» Role of Leadership in Driving Change

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

The Case for Precision

SOURCE: Risk Management Solutions (RMS)

WILDFIRE

EARTHQUAKE

TORNADOHAIL

HURRICANE

HURRICANE

Key Principles

PRECISION PRICING

OPTIMIZE PROGRAMS

TARGET GROWTH

ADVOCATE SAFETY

Precision In Action

Minimal Risk

Extreme RiskMinimal

Extreme Very High High Moderate Low

Surge Risk

Understanding Risk

Visuals are compelling storytellers

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GIS Infrastructure

Enduring and multidimensional

Scalable Across Enterprise

Provides dynamic insight

Simplifies the Complex

Enables Self Service

Transparency and empowerment

Role of Leadership

Enable a Culture Shift

Communication

Develop Strategic Vision

Key TakeawaysKey Takeaways

Enable Culture Shift

Create Effective Infrastructure

Further Employee Acceptance