Disclosures

• 001) APY = Annual Percentage Yield.
• 002) APR = Annual Percentage Rate. Rates are valid as of   and are subject to change.
• 079) APR = Annual Percentage Rate. Fourteen (14) months introductory rate of 0% APR based on your credit worthiness. After that, the variable APR for purchases will be 16.24% to 18.00%. 0% Introductory APR balance transfer rate for transfers made within 60 days of the account opening. The promotional rate of 0% APR will remain for 14 months from each qualifying balance transfer transaction. After the introductory period, all balance transfers are subject to the standard balance transfer variable APR of 17.24% to 18.00%. There is a balance transfer fee of either $10.00 or 2% of the amount of each transfer, whichever is greater. Balance transfers from other Provident Credit Union accounts do not qualify for the 0% Introductory APR. Balance transfers conducted after account opening will minimize the period of the introductory rate. e.g, if the transfer takes place a month after account opening, the promotional rate will only be for thirteen (13) billing cycles. Balance transfers are made available at our discretion. Introductory rate only applies to new account holders and excludes transfers from other Provident accounts. If you default under your card agreement, you may lose any promotional APR on the balance transfer. View Cash Back Terms and Conditions and Cash Back Credit Card Agreement for details.
• 130) APY = Annual Percentage Yield. Dividend rates are fixed for the term of the certificate. Rates are valid as of   and are subject to change.
• 229) Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. The minimum opening deposit is $10,000. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.