In this seminar, we will discuss common scams and identity theft strategies used by fraudsters. Learn how to prevent you and your loved ones from becoming a victim and what you can do to protect yourself.

Learn more about the new Bill Payments features as well as the impact this upgrade may have on your account. The topics that will be discussed during this live webinar include:

• Changes to the Bill Payments System
• New Features: faster payments, check images, check memos, email alerts, calendar view, expedited payments
• PayItNow (Send Cash)

In our 1031 Exchange Seminar you will gain a deeper understanding of 1031 Exchange Strategies, including:

• How to minimize the capital gains taxes on your primary residence.
• What to do with your 2nd or vacation home.
• Leverage and cash flow for reinvestment.
• Develop a strategy for wealth and asset accumulation.
• Exit strategies when you are tired of owning your rentals.

Let us have a look at some factors that affect us when investing.

• Emotions: How they impact investors' decisions
• Expectations: How unrealistic expectations may lead to disappointment
• Economics: Is it different this time?

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

In a few weeks, Provident will be upgrading our core banking system to improve the ability to meet your needs, innovate, and grow. As a result of the system upgrade, there will be some changes that will affect you. In this webinar, we will discuss:

• Why Provident is changing our banking system
• Changes to joint owners and co-borrowers in our online banking system
• Changes for primary members with multiple memberships
• Conversion weekend outage

This seminar will cover the different drivers of rates and potential investment strategies for a rising rate environment. Some of the benefits discussed will include:

• What drives interest rates?
• Interest rate sensitivity of fixed income sectors
• Impact of rising rates on stocks
• The value of active management in a rising rate environment

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Will you be ready for retirement?

If you're not sure or retirement seems so far away, then attend our Retirement and Financial Wellness Workshop. Topics Include:

• CalSTRS Pension Review: How much can you expect? Is it enough?
• Effects of inflation and taxation on retirement
• Savings tips for Early Career, Mid-Career and Late Career savers
• How much you may need, what your income level could be, and how to "bridge the gap"

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Receive a comprehensive guide to your 403(b) options for retirement.

• Making it simple: how 403(b) plans work
• What your future retirement might look like, with or without 403(b)
• The benefits of saving, whether you're 25 or 55
• How easy it is to get started saving today
• Time for your questions and answers from a financial professional

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Join us for a free and informative webinar on the basics of money management through overdraft protection. This course is perfect to learn about the tools available and how to develop good habits to keep you on a healthy financial course.

• Understanding Provident's Overdraft Protection and Courtesy Pay services
• Develop a Financial Plan
• Build A Budget
• Money Management Tips

This seminar will cover Fixed & Variable Annuities and how they can be used to help you with current or future retirement needs. Some of the many benefits discussed will include:

• Safety of Principal
• Tax Deferred Income & Growth
• Guaranteed Lifetime Income

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Learn smart strategies to help you prepare for retirement.

• 3 red flags you face in the Retirement Red Zone.
• Are you prepared for the challenges in Retirement?
• How can you secure the needed income?

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Retirement/SSI Minimum Distributions

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Join us for a discussion about the world's most critical resource -- water, and how vital it can be for your portfolio as well.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Learn how tax sheltered investing can be used to help with your current or future retirement needs. Some of the benefits discussed will include:

• Tax Deferred Growth
• Guaranteed Lifetime Income
• Guaranteed death benefit

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Common-Sense Investing for the Uncommon Investor

Our exclusive workshop will bring focus to your financial picture and educate you on how to avoid the many common pitfalls of investing.

• Identify and track progress towards ALL of your goals
• Stay off the emotional spin cycle of investing
• Remain calm in a market crisis

Focus on what matters most -- achieving your goals.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Join Provident and CA Solar Consultants as we discuss the benefits and process of solar panel installation and financing. In this hour long webinar, we will discuss:

• How solar works
• How a utility company bills you for electricity
• Finance options and the benefits of going solar
• Lease or buy options
• Installation process
• Q&A

The installation of solar panels on your home can save you thousands of dollars in future energy bills.

Join us for an informative seminar on a type of investment modeled after mutual funds. The presentation will focus on these key areas:

• Learn the basics of Real Estate Investment Trusts (REIT)
• Investing in commercial real estate with REIT
• Real Estate Investing for income

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Join us for an informative seminar on Real Estate Investment Trusts (REIT) -- a type of investment company modeled after mutual funds. The presentation will focus on these key areas:

• Learn the basics of Real Estate Investment Trusts
• Investing in commercial real estate with REIT
• Real Estate Investing for income

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

What's the best credit card for you?

Join us for a free webinar to help you pick the right credit card and manage it correctly.

Topics will include:

• Applying for a credit card
• Read the fine print!
• How to manage credit card usage responsibly
• Consequences of excessive debt and how to correct it
• How to build a good credit history
• Identity theft
• Credit scores and credit reports

Join us for a free seminar on the ins and outs of credit. You will gain a better understanding on how to establish credit, maintaining a good credit score, avoiding the "too much debt" trap, and much more.

• How to build good credit history
• What you should know before signing on the dotted line
• What lenders look for when approving credit
• How to avoid identity theft
• Understanding credit reports

Join us for a free webinar, presented by Experian, to help you better understand fraud and identity theft, and to provide general information about Experian's fraud victim assistance.

Plus, one lucky attendee will receive a free one-year subscription to ProtectMyID Elite!

Topics will include:

• What is identity theft?
• What should a victim do?
• How Experian can help

Credit reports and credit scores impact not only lending decisions but also a person's ability to obtain cellular telephone and utility service, rent an apartment, or qualify for a job.

Join Provident Credit Union for a comprehensive discussion about how credit reporting and credit scoring work, fact vs. fiction, and how you can effectively address issues related to these often misunderstood financial tools.

Topics will include:

• What is credit?
• What is in a credit report?
• Defining credit reports and their importance
• What is a credit score?
• What goes into a credit score?
• What do I need to know to make my scores better?

Join us for a free and informative webinar on the basics of money management. This course is perfect to learn about the tools available and how to develop good habits to keep you on a healthy financial course.

• Developing a financial plan
• Why money skills are important
• Know what tools are available to use
• Understanding credit

Learn how to manage your account via Provident's online banking system and mobile application. In this seminar, you will learn:

• How to enroll in online banking
• How to process transfers (cross account and A2A)
• How to manage your online banking profile
• How to use Provident's Bill Payments
• How to view transaction activity
• How to enroll in e-Documents
• How to use e-Deposit
• How to manage your credit card
• ATM information

Let us show you strategies to help ensure a constant and secure return. Topics covered include:

• Bond Basics
• Tax-free Investments
• Fixed Income Mutual Funds
• Fixed Income Strategies for Specific Investor Needs

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

You want to increase your income and protect it. Learn how without involving the stock market. Investing topics covered include:

• Taxable vs tax-free income
• Individual bonds vs bond funds
• Government bonds
• How and when you get paid

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

It's never too early to build a good credit history. Start now and you'll be thankful later - we promise.

Join us for answers to these questions:

• What is credit?
• How do I establish credit?
• How can I be smarter about my credit?
• What is a credit report and how do I get one?
• What is a credit score and how is it used?

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

We understand that the path to college is more complicated than ever, but we have all the right tools and resources needed to guide you through the process.

• College search for high school students
• Application process

Being socially responsible can include how you invest. Learn to incorporate social, environmental and corporate governance factors into your investment decisions. Topics covered include:

• Sustainability-focused approaches
• Maximizing your financial and social returns
• Wealth creation strategies for long-term performance

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Become skilled at navigating the scholarship landscape. During this event you will learn valuable information such as:

• Costs of attending college
• Types of scholarships
• How to find and apply for scholarships
• Scholarship interview techniques
• Building an educational resume

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This informative workshop will help you understand the benefits of tax-free investing through municipal bond funds. Municipal bond funds may potentially help you save on taxes and help reduce the impact of stock market volatility on your portfolio.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This presentation will help you understand the world of finances and covers the following topics:

• A credit union defined
• Banking terms
• The importance of a FICO score
• Strategies for maintaining a good FICO score
• Identity theft and what it means

This seminar is specially tailored towards educators, and includes:

• Reviewing goals
• Sources of retirement income
• Challenges one may face in retirement
• Understanding the choices in your 403(b)

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

ATTN Employers: Learn about the power of a health savings account (HSA).

• How HSAs are used with health plans
• Health plan cost savings
• Tax advantages
• Retirement and portability
• Eligibility and contributions
• Educating employees

Introducing basic personal financial principals. Topics covered include:

• Setting goals
• Evaluating cash flow
• Calculating Net Worth

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Topics covered include:

• Understanding Risks to financial security
• Managing risks
• Proper planning and insurance coverage

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Protect your credit and yourself from fraud. Topics covered include:

• Understanding what ID theft is and how it takes place
• Reporting ID theft
• Managing Credit — understanding the FICO score & how to monitor yours
• Methods to monitor / improve credit while defending against ID theft

Let us show you simple strategies to ensure a secure retirement.

• Retirement Challenges
• Your Retirement Vision
• Sources of Retirement Income
• Ways to Make Income
• Retirement Preparation
• The Need to Expect the Unexpected

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar will help you plan ahead for your retirement needs. Topics covered include:

• Reviewing goals
• Sources of retirement income
• Challenges one may face in retirement

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar discusses how to determine your retirement needs and the tools available to achieve your goals. Topics covered include:

• Sources of Retirement Income
• Types of IRA Accounts
• How IRA Accounts Work
• IRA Rollovers
• Required Minimum Distributions

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar discusses how to determine your retirement needs and the tools available to achieve your goals. Topics covered include:

• Sources of Retirement Income
• Types of IRA Accounts
• How IRA Accounts Work
• IRA Rollovers
• Required Minimum Distributions

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Learn about:

• When to consider claiming Social Security benefits
• How being married, divorced or widowed can potentially impact your benefits
• How benefits for one spouse can be affected based on when and how the other spouse files

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Learn about investment principles and how they apply to you. Topics covered include:

• Concepts for successful investing
• Setting objectives
• Understanding investment risks
• Review of strategy
• Setting up an investment plan

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Americans once depended on their corporation's pension and the US Government for their retirement. Today, we are largely on our own. In this session, you will learn:

• Strategies around retirement income - replacing the old pension concept with 401Ks, IRAs, and other options
• Understanding Annuities, Mutual Funds, and Term Share Certificates
• Safety vs. Risk - building strategies in a down market

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar discusses the market's performance since the Great Depreciation and its ups and downs. So how concerned should one be? Topics covered include:

• A look at 10 year market cycles since the Great Depression
• Understanding what makes up a market cycle
• Specific ways to determine your own tolerance for risk
• Access to your personal advisor to answer any questions you might have

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Provident Credit Union is partnering with Oakland Unified School District to provide a special day of financial education for employees of the district. The day will be broken into three different sessions, with valuable information to contribute to your financial success. Attendance is limited to the first 50 reservations. Breakfast and lunch will be provided.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Get the knowledge you need to take advantage of the current home-buying conditions. We will guide you through the homebuying process, with topics including:

• Loan pre-approval, and applying for a mortgage
• Can you qualify and how
• The forms and the purchase contract
• Details of the loan process
• Private mortgage insurance (PMI)
• Financing choices — choosing the right loan for you

Learn what a reverse mortgage is and when it's the right time to consider one. Plus, you'll also receive valuable information to take away and study yourself or share with parents or family. Homeowners nearing the age of 62 or older are encouraged to attend, as are those with parents who fit that description. Topics include:

• What a reverse mortgage is and when it can be useful
• When a reverse mortgage is not the best option
• Warning signs of a predatory loan
• How to protect yourself from getting a bad loan
• Types of reverse mortgages and their pricing
• Questions and answers

How to find the right home and have your offer accepted. We'll help you understand the process, with several important considerations, such as:

• Articulating your vision
• Commute considerations
• Choosing neighborhood and school districts
• Efficient home searching
• Using multiple listings service
• Using the Internet
• "For Sale By Owner" homes
• Getting your offer accepted by the seller
• Protecting your rights
• Using county records
• Getting started.

Thinking of refinancing your home mortgage? Not sure if you should get a home equity line of credit?

Get the knowledge you need to take advantage of refinancing. We will guide you through the refinance process, with topics including:

• Interest Only Mortgages
• Movable Mortgage option
• Adjustable Rate Mortgage
• Details of the refinance process
• Home equity loan vs. refinance
• Home Insurance

In this Webinar you will learn tips from the pros on how to buy a car the smart way. Topics include:

• How to negotiate the price
• Myths of extended warranties, GAP, and Credit Insurance
• The loan process

In this Webinar presented by AutoLand, you'll learn the ins and outs of car buying to become an educated shopper and gain useful insights before you buy!

• Setting a budget
• What to know before you shop
• How dealerships work
• Negotiation tips
• Valuating your trade-in

In addition, all webinar attendees who buy with Autoland & finance with Provident will get a $250 Cash Bonus*

* Offer valid through August 1, 2017

Putting a child through college is one of the largest expenses most families will ever face. This seminar will discuss goals, objectives, and long term planning needed to save for your child's college education.

• Define Your Target
• Building Savings Monthly
• Keep an Eye on Taxes
• Choose Your Investments

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Regardless of the method you choose, saving for your child's college education is like any other investment. The time to start is now. The sooner you start, the better the chances your money will increase substantially and enable you to pay for your child's education with ease. Topics covered include:

• Ways to Save for College
• How to Meet Rising College Costs
• Section 529 Plans
• Coverdell Education Savings Accounts

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Regardless of the method you choose, saving for your child's college education is like any other investment. The time to start is now. The sooner you start, the better the chances your money will increase substantially and enable you to pay for your child's education with ease. Topics covered include:

• Ways to Save for College
• How to Meet Rising College Costs
• Section 529 Plans
• Coverdell Education Savings Accounts

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

"Back to School" strikes a whole new chord when it comes to college expenses. Make the most of your college savings. Learn about various flexible education funding tools, some of which include the potential for tax deferred growth and estate planning benefits. This presentation will include the following:

• A look at current and projected costs of higher education
• Overview of various methods of college funding
• Specific features and benefits of the 529 Plan
• Potential tax deferral and estate planning benefits

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar will cover techniques for avoiding probate, reducing estate taxes and ensuring your estate is distributed according to your wishes. Also discussed will include:

• Differences between wills and living trusts
• Powers of attorney
• Advance health care directive

The seminar will be conducted by Frank Acuna - Estate Planning Attorney.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar will cover techniques for avoiding probate, reducing estate taxes and ensuring your estate is distributed according to your wishes. Also discussed will include:

• Differences between wills and living trusts
• Powers of attorney
• Advance health care directive

The seminar will be conducted by Richard C. Dayton - Estate Planning Attorney. Mr. Dayton has been practicing law for over 16 years, specializing in estate planning, trust, and probate. In his practice, he assists clients in creating an estate plan that will meet their individual needs, minimize estate taxes, and provide confidential administration following a death.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar will cover techniques for avoiding probate, reducing estate taxes and ensuring your estate is distributed according to your wishes. Also discussed will include:

• Differences between wills and living trusts
• Powers of attorney
• Advance health care directive

The seminar will be conducted by David R. Packard - Estate Planning Attorney. Mr. Packard is a graduate of the University of California at Berkley and Boalt Hall School of Law, University of California and he specializes in estate planning, probate, trust and conservatorships/guardianship administration.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar will cover techniques for avoiding probate, reducing estate taxes and ensuring your estate is distributed according to your wishes. Also discussed will include:

• Differences between wills and living trusts
• Powers of attorney
• Advance health care directive

The seminar will be conducted by Cynthia A. Lemus. Ms. Lemus is a Member of the Probate and Estate Planning Section of the San Mateo County Bar Association.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar will cover techniques for avoiding probate, reducing estate taxes and ensuring your estate is distributed according to your wishes. Also discussed will include:

• Differences between wills and living trusts
• Powers of attorney
• Advance health care directive

The seminar will be conducted by William Byron Levy. Mr. Levy has been practicing law for more than 40 years and is currently President of W. Byron Levy, A Professional Corporation, specializing in estate planning, probate, business transactions, business and real estate.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Credit reports, credit scores, and the rights and responsibilities that accompany them are a concern to many consumers. This seminar provides an overview of credit bureaus, credit scoring and the Fair Credit Reporting Act as well as specific guidance on disputing inaccuracies, improving the credit score, and dealing with identity theft and fraud.?

Everyone wants to help his or her children, grandchildren, nieces and nephews realize their dreams — whether it's to become an astronaut, an artist, a teacher or a doctor. Before you know it, today's toddlers will be ready for college, and putting a child through college is one of the most expensive challenges most families will ever face.

This workshop will include information on several relevant college-planning issues, including:

• How to meet rising college costs
• The new tax changes as they relate to college savings
• Detailed information on 529 and other college savings accounts

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Back by popular demand, our 6th Annual Workshop will help you learn ways to manage your finances throughout life's potential transitions. As part of this free workshop, we will also review some of the related strategies you'll need to be familiar with in order to:

• Reduce your taxes
• Finance your child's or grandchild's education
• Pay for medical expenses or elder care
• Leave behind an estate for your family

This workshop is open to all women, whether or not you are a Provident Credit Union member...so sign up a friend too! All attendees will receive complimentary brunch.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar is designed to help any investor understand investing principles, common investments, understanding risk and reward and the difference between aggressive and defensive investing.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar discusses your company's 401(k) plan design, investment choices and distribution options. Also learn the differences between the various kinds of IRAs. Seminar includes "factors in portfolio planning" to help participants choose the right investments based on their goals and objectives.

After the general session, you are invited to a one-on-one session with one of our financial consultants. At that individual session, the representative can help:

• Identify your goals
• Determine how much to contribute to reach your goals
• Recommend the proper investment choices
• Monitor on-going performance and progress

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

If you are moving to a new job, there are big decisions you need to make about the money you've accumulated in your present company's retirement plan. You do have choices, and this seminar will explain those options. We'll discuss:

• IRA and Pension Rollover Rules
• Accessing Tax-Deferred Funds before age 59 1/2 without penalties
• Utilizing every Benefit Option
• Maintaining Retirement Goals During a Job Transition

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Investment Principles and Competing Priorities

• Concepts for successful investing; Creating a strategy
• Preparing for stages in life — kids, college, parent care
• Setting up an investment plan

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Learn how Long Term Care Insurance can help preserve your retirement savings. This session discusses various approaches to managing the costs and risks of needing home health care, assisted living and other types of long-term care. It will help you to evaluate your personal situation to determine your options. The California Partnership for Long Term Care and various employer plans will be presented.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Managing your money with all the curves life throws your way is not easy. During this session, we will address:

• Setting up a solid investment plan that meets short and long term goals
• Understanding the best structure for you and your spouse's joint assets
• Determining the financial implications of a divorce
• Financing your child or grandchild's education
• Leaving behind and estate for your family

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar is designed to help any investor understand investing principles, common investments, understanding risk and reward and the difference between aggressive and defensive investing.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This session is designed for the beginning investor or for someone who wants to know more about the process and decisions that are required to become financially secure. Covered in this session will be investing principles, common investments, dollar-cost averaging, understanding risk and reward, wills and trusts, long-term care and a list of terms and definitions.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

The presentation will include the following:

• Expanded Rollover Options
• Required Minimum Distributions
• Beneficiary Designations
• Tax Reduction or Complete Tax Avoidance

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Designed for people who are leaving a job and concerned about what to do with their 401(k), pension, 403(b), etc.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This session would be most helpful to the more experienced or sophisticated investor. Topics will include ways to analyze stocks, bonds and mutual funds, building a portfolio and maintaining it, theories regarding diversification and ways to build models for the conservative, moderate or aggressive investor.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar discusses how to determine individual goals and objectives, basic investment principles and retirement and long-term planning.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Let's discuss simple strategies to ensure a secure retirement by creating your own pension.

• Retirement Challenges
• Your Retirement Vision
• Sources of Retirement Income
• Ways to Make Income
• Retirement Preparation
• The Need to Expect the Unexpected

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Learn smart strategies to help you prepare for retirement.

• 3 red flags you face in the Retirement Red Zone.
• Are you prepared for the challenges in Retirement?
• How can you secure the needed income?

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

A comparison of lump sum vs. annuity options from defined benefit pensions.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar discusses savings and investment issues for younger or less sophisticated investors.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

• Part one: employee benefits as a part of your financial plan
• Part two: basic investment principles
• Part three: retirement and long-term planning

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

The Tax Reform Act of 1986 eliminated or severely limited most available tax-favored investments. Fortunately, there are still some options. This seminar will discuss methods of tax-advantaged investing, providing a way to postpone taxes on investment income – allowing each investment dollar the maximum potential to earn and compound over time.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

A discussion of the contribution, investment and distribution methods for 403(b) plans.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

This seminar discusses mutual funds, what they are and how they work.

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

During this informational seminar, we will discuss the importance of getting started with an investment plan, tips on wealth accumulation, and methods of creating an income stream during retirement. The presentation will include:

• Overview of various retirement accounts
• Key features of the IRA and Roth IRA
• How to avoid common pitfalls
• Guidelines on making your investment choices

These seminars provided by Securities America. Registered Representatives offer securities through Securities America, Inc., member FINRA & SIPC. Advisory services offered through Securities America Advisors, Inc. Provident Credit Union and the Securities America companies are separate entities. Trading instructions sent via email may not be honored. Please contact us at (800) 656-4096 or Securities America at (800) 747-6111. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.

Not NCUA Insured — No Credit Union Guarantees — May Lose Value

Offices of Securities America are located in certain branches of Provident Credit Union and offer products and services by agreement. These are not products and services of Provident Credit Union; are not insured by any Federal agency and are subject to investment risks, including possible loss of principal invested.