1. finance
2. bank
3. bank account

How to read your statement
Comprehensive investment reporting with cost basis
Your statement provides details on your account activity and
positions for the current period. The statement is designed
to help you make informed decisions about your account,
while helping you effectively manage your investments and
plan for your financial future. Some of the information provided
in your statement includes:
•Positions in your account grouped
by investment type
•Current-period transaction activity
•Detailed information about your investments
•Cash management activity, including checking
and debit card transactions, when applicable
•Realized and unrealized gain (loss) information
at summary and lot levels
Statements consist of four sections: Front Page, Account
Overview, Holdings, and Activity. Each section provides
different levels of information on your account’s value
and activity.
Front Page
USAA INVESTMENT MANAGEMENT COMPANY
PO BOX 659453
SAN ANTONIO, TEXAS 78265-9825
1
John doe
Jane doe
102 Summer Street
BoSton, ma 02109
Statement for the Period oCtoBer 1, 2013 to oCtoBer 31, 2013
John and Jane doe, Joint WroS
account number: aBC-456827
For questions about your accounts:
National: (800) 531 8722
www.usaa.com
2
total Value of Your account
total Value of insurance and annuities
3
for Your information
$325,000.00
$315,000.00
$640,000.00
total Value of Your Portfolio
Change in Value of Your Portfolio
$ thousands
650
600
4
550
500
450
11/12
12/12
1/13
2/13
3/13
4/13
5/13
6/13
7/13
8/13
9/13
10/13
Change In Value of Your Portfolio information can be found in Miscellaneous Footnotes at the end of this
statement.
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GENERAL ACCOUNT INFORMATION
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Easily find your account number for placing
orders or making inquiries. Contact information
for your investment professional, including
address and phone number(s), is displayed.
This section provides the value of the account at
a glance plus any insurance and annuity assets,
if applicable.
4
2
FOR YOUR INFORMATION
This section includes important information
related to your account that may require
further action.
TOTAL VALUE OF YOUR PORTFOLIO
CHANGE IN VALUE OF YOUR PORTFOLIO
This chart visually displays the change in market
value of your portfolio assets from the prior 12
months, or when the account was opened if
later, to the current period. The line graph tracks
changes in portfolio value for the life of the
account.
Account Overview
Statement for the Period october 1, 2013 to october 31, 2013
John and Jane doe, Joint WroS
account number: aBC-456827
5
Account Overview
6
Change in aCCount Value
Current Period
Year to Date
Beginning Value
additions and Withdrawals
income
taxes, fees, and expenses
Change in investment Value
$310,000.00
$10,000.00
$1,000.00
($200.00)
$4,200.00
$300,000.00
$15,000.00
$2,000.00
($1,200.00)
$9,200.00
ending Value (aS of 10/31/13)
$325,000.00
$325,000.00
aCCount alloCation
Options 6.0%
10
Other Securities 4.0%
Cash and Cash Equivalents 20.0%
Equities 30.0%
Fixed Income 40.0%
Refer to Miscellaneous Footnotes in this statement for more information on your Change in Investment Value.
7
margin Profile
as of October 31, 2013
margin Positions market Value
margin Balance (net currency credit/debit)
$300,000.00
($20,000.00)
margin equity
margin equity Percent
equity Buying Power
margin interest Charged this Period
$280,000.00
93.3%
$50,000.00
$45.00
Balances and Margin availability are reflected as of the closing date of this statement. Please consult with your
broker/dealer prior to trading as these amounts may have changed.
8
inCome
Current Period
Year to Date
$500.00
$500.00
$1,000.00
$1,000.00
total taxaBle
$1,000.00
$2,000.00
total inCome
$1,000.00
$2,000.00
taxable dividends
taxable interest
Taxable income is determined based on information available to NFS at the time the statement was prepared,
and is subject to change. Final information on taxation of interest and dividends is available on Form 1099-Div,
which is mailed in February of the subsequent year.
9
taxeS, feeS, and exPenSeS
Current Period
Year to Date
margin interest
account fees
($100.00)
($100.00)
($600.00)
($600.00)
total taxeS, feeS, and exPenSeS
($200.00)
($1,200.00)
Percent
Cash and Cash equivalents
fixed income
equities
options
other Securities
total
20.0%
40.0
30.0
6.0
4.0
100.0%
total insurance and annuities
Prior Period
Current Period
$44,000.00
$100,000.00
$150,000.00
$0.00
$16,000.00
$63,000.00
$126,000.00
$94,500.00
$23,900.00
$17,600.00
$310,000.00
$325,000.00
$305,000.00
$315,000.00
Cash and Cash Equivalents will include margin debit and credit balances.
Other Securities are infrequently traded instruments or other securities which are not easily categorized.
Account Allocation shows the percentage that each asset class represents of your total account value. Account
Allocation for equities, fixed income, and other categories may include mutual funds and may be net of short positions. NFS has made assumptions concerning how certain mutual funds are allocated. Closed-end mutual funds
listed on an exchange may be included in the equity allocation. The chart may not reflect your actual portfolio
allocation. Consult your broker/dealer prior to making investment decisions.
realized gain/(loSS)
Short term gain
Short term loss
net Short term gain/(loSS)
Current Period
$1,200.00
($800.00)
$400.00
Year to Date
$2,200.00
($1,000.00)
$1,200.00
11
Refer to Footnotes and Cost Basis Information at the end of this statement for more information. Estimated realized
gains (losses) for transactions in your account as of the trade date, excluding transactions where cost basis information is incomplete.
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5
1
ACCOUNT OVERVIEW
This section provides an overview of account
information.
The components include:
• Change in Account Value
• Margin Profile
• Income
• Taxes, Fees, and Expenses
• Account Allocation
• Realized Gain (Loss)
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MARGIN PROFILE
This displays margin account information,
including margin positions market value, margin
balance, margin equity, margin equity percent,
equity buying power, and margin interest charged
this period.
INCOME
This displays a summary of income earned in
the current period and year to date.
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TAXES, FEES, AND EXPENSES
This displays a summary of taxes, fees, and
expenses paid in the current period and year
to date.
10
4
ACCOUNT ALLOCATION
The pie chart shows an at-a-glance view of the
account asset allocation, while the table provides
more details for both the current and prior periods.
CHANGE IN ACCOUNT VALUE
This section displays a summary of account
activity for both the current period and year
to date. Categories include additions and
withdrawals; income; taxes, fees, and expenses;
other activity; and change in investment value.
7
8
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REALIZED GAIN/(LOSS)
This provides a current period and year-to-date
summary of gain (loss) information for transactions,
with complete cost basis information.
MESSAGES (NOT SHOWN)
Read important messages from your investment
firm, which may include information on regulatory
issues, changes to your account, and new
investment products.
Holdings
Statement for the Period october 1, 2013 to october 31, 2013
John and Jane doe, Joint WroS
account number: aBC-456827
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Holdings
13
ALERT: You have a bond maturing in 60 days.
FIXED INCOME — 32.9% of Total Account Value
Quantity
Estimated
Price on
10/31/13
Estimated
Current
Market Value
Estimated
Annual Income
Total
Cost Basis
Unrealized
Gain/(Loss)
HOMESTREET BANK SEATTLE WASH
43785QEH2
01.90000% mm/dd/yyyy CD
CASH
FDIC INSURED
CPN PMT SEMI-ANNUAL ON AUG 19, FEB 19
Next Interest Payable: mm/dd/yyyy
Accrued Interest $838.19
97,000.000
$1.00735
$97,712.95
$1,843.00
$97,000.00
$712.95
TENNESSEE COMM BK TN CD
CD 2.050000% mm/dd/yyyy
FDIC INSURED
CPN PMT MONTHLY
Next Interest Payable: mm/dd/yyyy
Adjusted Cost Basis 97,000.00 D
Accrued Interest $65.38
97,000.000
$1.01031
$98,000.07
$1,988.50
$97,000.00
$1,000.07
$195,713.02
$3,831.50
Symbol/Cusip
Account Type
Description
Certificates of Deposit (CDs)
880440CP5
CASH
Total CDs
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$1,713.02
Activity
CORE FuND ACTIVITy
Settlement
Date
Account
Type
Transaction
Description
10/6/13
CASH
YOU BOUGHT
PRIME FUND DAILY MONEY CLASS
Quantity
Amount
8,740.830
($8,740.83)
10/9/13
CASH
REINVESTMENT
PRIME FUND DAILY MONEY CLASS
52.500
($52.50)
10/17/13
CASH
YOU SOLD
PRIME FUND DAILY MONEY CLASS
4,981.27
$4,981.27
Total Core Fund Activity
For an explanation of fixed income pricing, please see the last page. Redemption schedule(s), bond ratings(s), and
other information are provided where available. If information does not appear regarding a particular investment,
it is not available. The ratings on this statement are provided by Standard & Poor’s and/or Moody’s to rate the quality based on the respective rating agency’s assessment.
($3,812.06)
Accrued Interest—Represents interest accumulated since the last coupon date on certain fixed income securities
which may not yet have been paid by the issuer or received by NFS. There is no guarantee that the accrued interest
will be paid by the issuer.
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1
HOLDINGS
This section provides a detailed view of your
portfolio positions as of the end of the statement
period. This includes cash, equities, options,
fixed income, mutual funds, and other securities.
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ALERTS
This displays notification of specific events
occurring in your account that may require
further action.
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ACTIVITY
This section provides a recap of transactions that
occurred in your account for the statement period.
See details on trading, additions and withdrawals,
income and expenses, and other activity.
Activity
Statement for the Period october 1, 2013 to october 31, 2013
John and Jane doe, Joint WroS
account number: aBC-456827
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Realized Gain/(Loss) Lot Detail—year To Date
Retirement account cost and associated gain (loss) information is provided for informational purposes only and should not be used for tax-reporting purposes. Such information is provided to help you
estimate and track the change in market value of each position relative to your investments into this security (not including reinvestments). Refer to the Footnotes and Cost Information at the end of this
statement for more information.
MuTuAL FuNDS
Date
Acquired
Symbol/
Cusip
Sales Price/
Share
Quantity
Proceeds
Cost
FRANKLIN INCOME CLASS A
07/14/13 01/07/03
FKINX
$2.05
5.56
$11.40
$0.00
$11.40
FRANKLIN INCOME CLASS A
07/14/13 02/05/03
FKINX
$2.05
53.298
$109.26
$0.00
$109.26
Description
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Date of
Sale
Gain (Loss)
unrealized Gain/(Loss) Lot Detail
Retirement account cost and net change information is provided for informational purposes only and should not be used for tax-reporting purposes. Such information is provided to help you estimate and track
the change in market value of each position relative to your investments into this security (not including reinvestments). NFS makes no warranties with respect to, and specifically disclaims any liability arising
out of your use of, or any position taken in reliance upon, NFS-provided cost and net change information.
MuTuAL FuNDS
Description
FRANKLIN INCOME CLASS A
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Account
Type
Date
Acquired
Symbol/
Cusip
Price on
6/30/13
Quantity
Market
Value
Cost
Net
Change
CASH 12/05/06
FKINX
$2.24
70.184
$157.21
$0.00
$157.21
Footnotes and Cost Information
NFS makes no warranties with respect to, and specifically disclaims any liability arising out of your use of, or any position taken in reliance upon, NFS-provided cost and net change information. NFS
determines gain (loss) using the first-in, first-out (FIFO) method on all transactions in a retirement account. Cost information for debt securities has not been adjusted for amortization or accretion.
LIMITATION ON COST INFORMATION: NFS’s cost information system has a cumulative lifetime limit on how much activity it can track for each individual security position in an account. For this purpose,
each buy, sell, dividend, stock split, stock merger, etc., is an event. For some customers, this limit can be reached with approximately 1500 events. Upon reaching the limit, the system no longer displays or
tracks cost information for the affected position, and such information will usually show as not available or unknown. Once the limit is reached, all cost information for the affected position will need to be
tracked and updated by you, the investor.
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REALIZED GAIN/(LOSS) LOT DETAIL
Reported on September’s statement, this section
provides lot-level gain/(loss) information for
transactions with complete cost basis information.
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FOOTNOTES AND COST INFORMATION
This section explains important abbreviations used
throughout the statement and provides information
related to cost basis and gain/(loss) data.
UNREALIZED GAIN/(LOSS) LOT DETAIL
Reported quarterly, this section provides lot-level
unrealized gain/(loss) information for transactions
with complete cost basis information.
Your statement is customized to include information about your account. It may not contain all the sections
described here, or it may contain sections in addition to those described here. Contact your investment professional
if you have any questions.
Screenshots are for illustrative purposes only.
437053.9.01.720471-BEM.114
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