These rates are prospective and are expected to be paid on the next dividend declaration date. The dividend declaration date is the last day of the dividend period at which time these rates will be paid. Rates are fixed unless stated otherwise. Variable rates are subject to change monthly at the discretion of the Board of Directors. No dividends are paid on balances below account minimums. All rates are subject to change. Membership required for all accounts.

A) This account (Regular Savings, Youth Savings, or Business Regular Savings) is required for Provident Credit Union membership.

B) Terms and Conditions: The Annual Percentage Yield (APY) is variable and subject to change monthly on the 1st. The floor APY is guaranteed through December 31 of the current year on all new and existing Accumulator Savings Plans and is subject to change once a year on January 1st. The floor rate for 2010 is 0.25% APY. Withdrawals will reduce earnings. Dividends are deferred until the last day of the month you have selected to have the balance of this account transferred to your Savings Account (00 Suffix). If you close or withdraw from your Accumulator Savings Plan before your transfer date you forfeit all dividends accrued on the amount withdrawn. This plan cannot be used for overdraft protection for checking, nor used as collateral on a loan. Deposits can only be made by Payroll Deduction or Direct Deposit unless you are self-employed, in which case automatic transfers can be made from a Provident Credit Union checking account. Withdrawals and transfers cannot be made from this plan via ATM, Account Manager, or Touch Tone Teller. In this agreement the terms "Direct Deposit" and "Payroll Deduction" apply only to money deposited from your employer. The Accumulator Savings Plan is limited to a maximum deposit of $3,000 per month per member. Terms and conditions may change at any time without notice.

C) Penalty for early withdrawal may be assessed and may reduce earnings.

D) You can add deposits of any amount, at any time, up to a maximum balance of $500,000 without affecting your term. Deposits that bring the balance over $500,000 are at the discretion of Provident's management. These are excellent accounts to be used with direct deposit, payroll deduction, or automatic transfer.

E) Deferred Dividend Certificate: Dividends are paid at maturity and compound annually.

F) Rate is subject to change quarterly at the discretion of the Board of Directors.

G) IRA contributions are limited to $5,000 per year; additional $1,000 allowed for those over 50 years old to "catch up". Rollovers and direct transfers do not count against your contribution limit. The maximum annual contribution to a Coverdell ESA is $2,000.

H) If Balance falls below $5,000 a $10 monthly fee assessment will occur.

I) To receive the rates above 0.100%, you must complete the following three requirements during each monthly statement cycle: 1) Ten Check (Debit) card transactions, 2) one ACH Direct Deposit or debit, and 3) receive online e-Statements. If these requirements are not met in their entirety, the APY will be 0.100%. The minimum deposit required to open this Account is $25. No minimum balance required and no monthly fee will be assessed. Dividends are forfeited if the account is closed prior to scheduled divi¬dend payment date. To qualify you must also be a member and age 18 or older. Statement cycle begins on the last business day of the previous month and ends on the second-to-last business day of the current month.

J) To be eligible for the .25% bonus included in this rate, a completed IRA Direct Transfer Form is required. Special does not apply to accounts funded from non-IRA accounts.

K) Contact your Provident service representative to determine your eligibility, based on your other existing business with Provident.

L) Minimum withdrawal: $500. Minimum balance: $5,000. Withdrawals must be made in person at a Provident Credit Union branch or by calling Provident at (800) 632-4600 or (650) 508-0300. Withdrawals allowed without penalty every 7 calendar days with a maximum of 3 per month.

M) Rate can be increased one time during certificate term, to the currently published Bump-Up Certificate rate with that same term.

N) The minimum deposit to open a Business Checking account is $500.00. No dividends are paid on balances below the balance minimum specified for the lowest balance tier.

O) Primary account owner must be under 18 years of age. Joint owner must be 18 years or older.

DD) Requires a minimum $1,000/month Direct Deposit, Payroll Deduction, or Automatic Transfer (from non-Provident account) to a Provident checking account, to begin no later than 60 days from the date the account is opened and to continue for the life of this account. If the direct deposit does not begin or stops, the balance converts to our Regular Money Market Account and earns the rates in effect for that product. Automatic transfers must be from sources outside of Provident in order to qualify. No interest paid on balances below the minimum.