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

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

B) Terms and Conditions: The Annual Percentage Yield (APY) is variable and subject to change. The floor rate is 0.20% APY and guaranteed through December 31 of the current year on all new and existing Accumulator savings plans and is subject to change once a year on January 1st. A minimum balance of $25 is required to open and maintain this account. This minimum will be applied upon the first deposit into your account. If you make a withdrawal prior to maturity you will be assessed a withdrawal fee (See Service Charge Schedule). Withdrawals are not permitted if the withdrawal amount combined with the withdrawal exceeds your balance. If you close your account before your transfer date you will be assessed a withdrawal fee and forfeit all dividends accrued on the account to date. Dividends are deferred until the last day of the month you have selected to have the balance of this account transferred to your savings account (00 Suffix). This plan cannot be used for overdraft protection for checking, nor used as collateral on a loan. Deposits can only be made by direct deposit, payroll deduction or automatic transfer. In this agreement the terms "Direct Deposit" and "Payroll Deduction" apply only to money deposited from your employer. Withdrawals and transfers cannot be made from this plan via ATM or Shared Branch locations. Terms and conditions may change at any time without notice.

C) Early Withdrawal Penalties: A penalty may be imposed for withdrawals before maturity for certificates opened or renewed as of 5/1/12: a) If your account has an original maturity of less than 12 months, the penalty we may impose will equal the greater of $100.00 or 90 days earnings. b) If your account has an original maturity of more than 12 months, the penalty will equal the greater of $150.00 or 180 days earnings. For more information, please refer to Provident's Master Account Agreement and Disclosure. c) For Youth Add-On certificates the penalty we may impose will equal 180 days earnings.

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

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

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

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

I) To receive the rates above 0%, you must complete the following three requirements during each monthly statement cycle: 1) Ten Check (Debit) card transactions, 2) one ACH Direct Deposit or debit, and 3) receive online e-Statements. If these requirements are not met in their entirety, the APY will be 0%. The minimum deposit required to open this Account is $25. No minimum balance required and no monthly fee will be assessed. Dividends are forfeited if the account is closed prior to scheduled dividend payment date. To qualify you must also be a member and age 18 or older. Statement cycle begins on the last business day of the previous month and ends on the second-to-last business day of the current month. Effective February 1, 2013 no more than 1 (one) Super Reward Checking account can be open per membership.

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

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

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

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

R) This account is tied to enrollment in the Round Up Program and will be automatically opened within one business day. Round Up Program enrollment is only available within Account Manager and you must have an eligible checking account at Provident.

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

J) Specials cannot be combined with each other or any other special offers. Online bonus applies to new money deposited at Provident or roll over certificates only.