2021-11-09T18:10:13-06:00 2020-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2020-01-01 941482957 PROVIDENT CREDIT UNION PROV 6505080300 303 TWIN DOLPHIN DRIVE REDWOOD CITY CA 94065 JENNIFER LEE SVP/CAFO 6505080300 2021-11-04 1 JENNIFER LEE 999009999 VALENTINO CREUS CPA P01054153 8189549700 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z JAMES L ERNEST 303 TWIN DOLPHIN DRIVE REDWOOD CITY CA 94065 140292462 0 X WWW.PROVIDENTCU.ORG X CREDIT UNION 1950 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 434 12 331434 0 0 0 97413107 125375136 16559655 10291972 4091955 4625354 118064717 140292462 218050 357795 0 0 39163649 45166492 0 0 0 62044059 75692813 101425758 121217100 16638959 19075362 2795784013 3317870698 2474975636 2976874448 320808377 340996250 X A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, PROVIDENT CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 PROVIDENT OFFERS A SUPER REWARDS CHECKING ACCOUNT WHICH PAYS MEMBERS HIGH RATES ON THEIR CHECKING ACCOUNTS IF THEY QUALIFY BY MAKING $400 IN PURCHASES USING THEIR DEBIT OR CREDIT CARD PER MONTH, HAVING DIRECT DEPOSIT OR BILL PAY EACH MONTH, AND RECEIVING AN E-STATEMENT INSTEAD OF A PAPER ONE. THIS ACCOUNT ACCRUES FINANCIAL BENEFITS TO MEMBERS AND SUPPORTS ENVIRONMENTALLY FRIENDLY BEHAVIOR BY ENCOURAGING VIRTUAL TRANSACTIONS VERSUS PAPER CHECKS, ELIMINATING PAPER AND MAILING COSTS FOR STATEMENTS, AND INCREASING ACCOUNT SECURITY FOR MEMBERS BY ELIMINATING VULNERABILITY TO IDENTITY THEFT THROUGH STOLEN MAILED STATEMENTS. PROVIDENT'S MOVABLE MORTGAGE ALLOWS A MEMBER TO TRANSFER THE CURRENT RATE AND TERMS (BALANCE AT PAY-OFF, MARGIN, ETC.) OF THEIR EXISTING PCU HOME LOAN TO THEIR NEW HOME PURCHASE. IF BUYING UP AND THE MEMBER NEEDED MORE THAN THE EXISTING BALANCE TO COMPLETE THE PURCHASE, PROVIDENT WOULD BLEND THE TERMS OF THEIR EXISTING MORTGAGE WITH RATES AND TERMS CURRENTLY OFFERED ON OUR RATE SHEET FOR ANY SHORTAGE IN LOAN AMOUNT. TYPICALLY USED IN A RISING RATE ENVIRONMENT, THE NET EFFECT WOULD BE A LOWER RATE TO THE MEMBER. PROVIDENT HAS A PROGRAM TO MODIFY RATES ON CERTAIN PORTFOLIO MORTGAGE LOANS ALLOWING MEMBERS TO BENEFIT FROM RATE DROPS WITHOUT GOING THROUGH A COMPLETE REFINANCE PROCESS. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 1 63839 0 1 434 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X X JENNIFER LEE CFO 6505080300 303 TWIN DOLPHIN DRIVE REDWOOD CITY CA 94065 DAVID PELZNER CHAIRMAN 2.00 X 0 0 0 JUNE ROTHE VICE CHAIRMAN 2.00 X 0 0 0 CHRISTINE BOLAND TREASURER 2.00 X 0 0 0 SAMUEL JOHNSON JR SECRETARY 2.00 X 0 0 0 DAVID BUCKMASTER BOARD MEMBER 2.00 X 0 0 0 SCOTT O'BRIEN BOARD MEMBER 2.00 X 0 0 0 BOB LANZONE BOARD MEMBER 2.00 X 0 0 0 GEORGE DESCALSO BOARD MEMBER 2.00 X 0 0 0 ANDREA KENTER BOARD MEMBER 2.00 X 0 0 0 SCOTT MCWHIRTER SUPV CMTE CHAIR 2.00 X 0 0 0 OLIVER BOULIGNY III SUPV CMTE 2.00 X 0 0 0 ROSANNE FOUST SUPV CMTE 2.00 X 0 0 0 JAMES ERNEST PRESIDENT/CEO 40.00 X 909196 0 62466 JENNIFER LEE CFO 40.00 X 379319 0 48216 HEIDI PARKS SVP 40.00 X 365686 0 49386 FRED GOMES SVP 40.00 X 362403 0 72367 CONNIE K FINCH VP SYSTEMS & TECH 40.00 X 325015 0 53247 JOHN PAUL REILLY VP BS&O 40.00 X 299485 0 68480 JAMES PAUL TRACESKI VP HUMAN RESOURCES 40.00 X 290922 0 22979 JOHN HAGGARTY VP MARKETING 40.00 X 286639 0 68745 GREG KENT MCCURDY VP LENDING 40.00 X 285645 0 46095 SHALINI SAHDEO NARAYAN VP SERVICE QUALITY 40.00 X 236326 0 44919 CHRISTINE M KEANE VP RISK MANAGEMENT 40.00 X 199714 0 34739 MOHAMAD A SANGABI SR. MORTGAGE CONSULTANT 40.00 X 804371 0 42334 ROBERT BERNARD KETTMANN MORTGAGE PRODUCTION SALES 40.00 X 606220 0 31748 FATEMEH ASAD SANGABI SR. MORTGAGE CONSULTANT 40.00 X 577125 0 52973 LAN FIGUEROA SR. MORTGAGE CONSULTANT 40.00 X 524745 0 36810 PHUONG PATRICIA JACOBS MORTGAGE COUNSELOR I 40.00 X 493910 0 9111 6946721 0 744615 102 0 1 0 EPLUS TECHNOLOGY INC FILE 56861 LOS ANGELES CA 900746861 TECHNOLOGY SERVICES 2801952 REGIONAL PROTECTION AGENCY SERVICES 6200 STONERIDGE MALL RD STE 30 PLEASANTON CA 94588 SECURITY SERVICES 1148185 MICROSOFT CORPORATION 1950 NORTH STEMMONS FWY SUITE 5010 DALLAS TX 75207 INFORMATION TECHNOLOGY 1138273 MPX 231 CONGRESS STREET PORTLAND ME 04102 POSTAGE AND STATEMENT PRODUCTION 1015161 WEBB BUILDERS INC 1494 ODDSTAD DRIVE REDWOOD CITY CA 94063 CONSTRUCTION 1010306 50 INCOME FROM LOANS 522100 71519487 71519487 OTHER OPERATING INCOME 522100 44750100 44750100 FEE INCOME 522100 9105549 8774115 331434 125375136 10291972 10291972 4454145 0 4454145 4454145 4454145 OTHER NON-OPERATING IN 522100 171209 171209 171209 140292462 135506883 331434 4454145 255181 102614 6946721 28196735 1225665 6604152 2193219 216298 368214 6164243 3606514 7935175 3084852 6569744 445676 19705039 4584776 PROVISION FOR LOAN & LE 8461690 MISCELLANEOUS EXPENSE 7306169 LOAN SERVICING EXPENSE 6940181 OPERATING FEES 304242 121217100 4584313 9389728 169459637 738675222 5318446 5294670 5157758 4803107 78333002 43130703 34228611 35202299 606603700 547333328 1944800095 1948204110 1835599 1765825 23795854 27202409 2795784013 3317870698 22679800 36235446 2452295836 2940639002 2474975636 2976874448 X 0 0 0 0 320808377 340996250 320808377 340996250 2795784013 3317870698 19075362 1112511 0 X X 0 1 X 1 0 2500 2500 2500 1 CCUL - PAC 1201 K STREET SUITE 1050 SACRAMENTO CA 95814 940357265 2500 7510980 7510980 37253330 21137497 16115833 10851071 8587966 2263105 22717621 13405240 9312381 35202299 NCUA SHARE INSURANCE DEPOSITS 23807589 C ALL OTHER INVESTMENTS 15000000 F NET LOANS AND LEASES 1887315831 F PAID IN CAPITAL AT CORP 750000 C LOANS HELD FOR SALE 21330690 F 1948204110 MEMBER SHARE DEPOSITS 2940563841 ACCRUED DIVIDENDS ON INTEREST PAYABLE 75161 2940639002 X PART X, LINE 2: FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2020 AND 2019, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. 1 SAN MATEO COUNTY ECONOMIC DEVELOPMENT ASSOCIATION 1900 OFARRELL ST STE 380 SAN MATEO CA 94403 941295795 501(C)(4) 12500 FMV ENHANCING THE POSITIVE BUSINESS CLIMATE AND THE EXTRAORDINARY QUALITY OF LIFE IN SAN MATEO COUNTY. REDWOOD CITY SAN MATEO COUNTY CHAMBER OF COMMERCE 1450 VETERANS BLVD STE 125 REDWOOD CITY CA 94063 940377914 501(C)(6) 17500 FMV TO PROMOTE BUSINESS ISSUES THAT ENHANCE AND SUSTAIN THE ECONOMIC PROSPERITY OF OUR REGION AND ITS LOCAL COMMUNITIES. SAMARITAN HOUSE 4031 PACIFIC BLVD SAN MATEO CA 94403 237416272 501(C)(3) 24393 FMV TO PROVIDE FOOD, ACCESS TO SHELTER, HEALTHCARE, AND A BROAD RANGE OF SUPPORTIVE SERVICES. OAKLAND PUBLIC EDUCATION FUND PO BOX 71005 OAKLAND CA 94612 432014630 501(C)(3) 23096 FMV TO LEAD THE DEVELOPMENT AND INVESTMENT OF COMMUNITY RESOURCES IN OAKLAND PUBLIC SCHOOLS SO THAT ALL STUDENTS CAN LEARN, GROW, AND THRIVE. MY NEW RED SHOES REDWOOD SHORES 330 TWIN DOLPHIN DR SUITE 135 REDWOOD CITY CA 94065 204683289 501(C)(3) 20000 FMV TO IMPROVE THE QUALITY OF LIFE AND WELL-BEING OF CHILDREN AND YOUTH EXPERIENCING ECONOMIC HARDSHIP. HARBOR HOUSE 1811 11TH AVE OAKLAND CA 94606 237133986 501(C)(3) 15000 FMV TO PROVIDE A SAFE PLACE FOR OPPORTUNITIES, RESOURCES, AND RELATIONSHIPS SO THAT ALL FAMILIES CAN FLOURISH IN OAKLAND. OAKLAND PARKS & RECREATION PO BOX 13267 OAKLAND CA 94661 942751052 501(C)(3) 15000 FMV TO HELP LOW-INCOME STUDENTS ATTEND SUMMER CAMPS. CITY TEAM OAKLAND 2306 ZANKER RD CORPORATE HEADQUARTE S SAN JOSE CA 95131 941501265 501(C)(3) 10000 FMV TO HELP THOSE EXPERIENCING HOMELESSNESS, POVERTY, HUNGER, AND ADDICTION IN SAN JOSE, CHESTER, SAN FRANCISCO, OAKLAND, AND PORTLAND. ONE LIFE COUNSELING - 1303 SAN CARLOS AVE SAN CARLOS CA 94070 810919786 501(C)(3) 10000 FMV TO PROVIDE EASY ACCESS TO COUNSELING, EDUCATION, AN OPPORTUNITIES TO CONNECT THROUGH SERVICE. SECOND HARVEST FOOD BANK OF SILICON VALLEY 4001 NO FIRST STREET SAN JOSE CA 95134 942614101 501(C)(3) 9393 FMV TO ENSURE THAT ANYONE WHO NEEDS A HEALTHY MEAL CAN GET ONE. SAN MATEO COUNTY COMMUNITY COLLEGES FOUNDATION 3401 CSM DRIVE SAN MATEO CA 94402 946133905 501(C)(3) 5750 FMV TO SUPPORT THE FOUNDATION IN ITS MISSION TO ASSIST STUDENTS IMPACTED BY COVID-19. RESOURCE AREA FOR TEACHING 1355 RIDDER PARK DRIVE SAN JOSE CA 95131 770365627 501(C)(3) 5400 FMV TO SUPPORT TITLE 1 SCHOOLS. ALAMEDA BOYS & GIRLS CLUB PO BOX 1069 ALAMEDA CA 94501 941312299 501(C)(3) 5000 FMV TO INSPIRE AND ENABLE ALL YOUTH, ESPECIALLY THOSE WHO NEED US MOST, TO REALIZE THEIR FULL POTENTIAL AS PRODUCTIVE, CARING AND RESPONSIBLE CITIZENS. AMERICAN CANCER SOCIETY PO BOX 111417 CAMPBELL CA 95011 131788491 501(C)(3) 5000 FMV TO SUPPORT CANCER RESEARCH. UCSF FOUNDATION 601 CALIFORNIA ST STE 801 SAN FRANCISCO CA 94108 473599471 501(C)(3) 5000 FMV COVID-19 RESPONSE FUND. ALAMEDA COUNTY FOOD BANK PO BOX 2599 OAKLAND CA 94614 942960297 501(C)(3) 5000 FMV TO HELP IN THE FOOD BANK'S PURSUIT OF A HUNGER-FREE COMMUNITY. EL CAMINO HEALTH FOUNDATION 2500 GRANT ROAD PAR 116 MOUNTAIN VIEW CA 94040 942823235 501(C)(3) 5000 FMV EL CAMINO HEALTH COVID-19 EMERGENCY RESPONSE FUND. OMEGA PSI PHI FRATERNITY INC 484 LAKE PARK AVENUE 3 OAKLAND CA 94610 943103617 501(C)(8) 5000 FMV TO SUPPORT SCHOLARSHIP FUND. COMMUNITY GIVING FOUNDATION P O BOX 5555 OAKLAND OAKLAND CA 94605 232982141 501(C)(3) 5000 FMV FEEDING NEEDY FAMILIES AND COMMUNITY TRANSFORMATION. 16 3 COLLEGE SCHOLARSHIPS 9 102614 PROVIDENT OFFERS TWO DIFFERENT SCHOLARSHIPS FOR PROVIDENT MEMBERS: ONE FOR GRADUATING HIGH SCHOOL SENIORS ENTERING COLLEGE, AND ONE FOR THOSE SEEKING A CALIFORNIA TEACHING CREDENTIAL. PART I, LINE 2: SOME SCHOLARSHIPS ARE ONE-TIME AWARDS AND FOR THOSE WE HAVE MINIMUM REQUIREMENTS THAT MUST BE MET. FOR THE RENEWAL SCHOLARSHIPS, THE STUDENT MUST MAINTAIN AT LEAST A B AVERAGE AND BE ENROLLED IN AN ACCREDITED COLLEGE. TRANSCRIPTS ARE REQUIRED TO CONFIRM THE STUDENT'S ENROLLMENT AND GRADES. X X 1 1 X X X X 0 1 0 JAMES ERNEST PRESIDENT/CEO 740539 0 155057 0 13600 0 28500 0 33966 0 971662 0 0 0 JENNIFER LEE CFO 298298 0 74918 0 6103 0 14250 0 33966 0 427535 0 0 0 HEIDI PARKS SVP 282640 0 72484 0 10562 0 21198 0 28188 0 415072 0 0 0 FRED GOMES SVP 279888 0 69054 0 13461 0 20992 0 51375 0 434770 0 0 0 CONNIE K FINCH VP SYSTEMS & TECH 257625 0 63726 0 3664 0 19281 0 33966 0 378262 0 0 0 JOHN PAUL REILLY VP BS&O 241316 0 57467 0 702 0 16542 0 51938 0 367965 0 0 0 JAMES PAUL TRACESKI VP HUMAN RESOURCES 224584 0 58621 0 7717 0 5615 0 17364 0 313901 0 0 0 JOHN HAGGARTY VP MARKETING 224087 0 57920 0 4632 0 16807 0 51938 0 355384 0 0 0 GREG KENT MCCURDY VP LENDING 252439 0 29816 0 3390 0 17995 0 28100 0 331740 0 0 0 SHALINI SAHDEO NARAYAN VP SERVICE QUALITY 211395 0 24513 0 418 0 0 0 44919 0 281245 0 0 0 CHRISTINE M KEANE VP RISK MANAGEMENT 158017 0 40332 0 1365 0 15802 0 18937 0 234453 0 0 0 MOHAMAD A SANGABI SR. MORTGAGE CONSULTANT 179154 0 623915 0 1302 0 28500 0 13834 0 846705 0 0 0 ROBERT BERNARD KETTMANN MORTGAGE PRODUCTION SALES 108246 0 493292 0 4682 0 14250 0 17498 0 637968 0 0 0 FATEMEH ASAD SANGABI SR. MORTGAGE CONSULTANT 151368 0 424702 0 1055 0 21375 0 31598 0 630098 0 0 0 LAN FIGUEROA SR. MORTGAGE CONSULTANT 66668 0 457022 0 1055 0 21375 0 15435 0 561555 0 0 0 PHUONG PATRICIA JACOBS MORTGAGE COUNSELOR I 140207 0 353641 0 62 0 7125 0 1986 0 503021 0 0 0 PART I, LINE 4B THE CREDIT UNION HAS DEFERRED COMPENSATION AGREEMENTS WITH MEMBERS OF THE EXECUTIVE MANAGEMENT TEAM THAT PROVIDE BENEFITS PAYABLE TO THESE EMPLOYEES IF THEY MEET THE REQUIREMENTS SET FORTH IN THE AGREEMENTS. IF THESE EMPLOYEES BECOME FULLY DISABLED AS DEFINED IN THE AGREEMENTS, ACCRUED BENEFITS ARE IMMEDIATELY PAYABLE. THE BENEFITS ARE SUBJECT TO FORFEITURE IF EMPLOYMENT IS TERMINATED FOR CAUSE AS DEFINED IN THE AGREEMENTS. JAMES ERNEST OFFICER REAL ESTATE LOAN X 709000 480057 0 1 1 FRED GOMES OFFICER REAL ESTATE LOAN X 245000 83808 0 1 1 CONNIE K FINCH KEY EMPLOYEE REAL ESTATE LOAN X 271623 172750 0 1 1 HEIDI PARKS OFFICER REAL ESTATE LOAN X 738284 556605 0 1 1 JOHN HAGGARTY KEY EMPLOYEE REAL ESTATE LOAN X 600000 500480 0 1 1 GREG MCCURDY KEY EMPLOYEE REAL ESTATE LOAN X 710000 606424 0 1 1 CONNIE K FINCH KEY EMPLOYEE NEW AUTO X 50000 14535 0 1 1 JOHN HAGGARTY KEY EMPLOYEE USED AUTO X 43187 26368 0 1 1 CHRISTINE M KEANE KEY EMPLOYEE REAL ESTATE LOAN X 194400 115375 0 1 1 JOHN PAUL REILLY KEY EMPLOYEE REAL ESTATE LOAN X 576000 484176 0 1 1 SHALINI SAHDEO NARAYAN KEY EMPLOYEE REAL ESTATE LOAN X 1395000 1288939 0 1 1 HEIDI PARKS OFFICER NEW AUTO X 55993 27946 0 1 1 JAMES ERNEST OFFICER USED AUTO X 19927 16301 0 1 1 MOHAMAD A SANGABI HCE REAL ESTATE LOAN X 606682 350165 0 1 1 LAN FIGUEROA HCE REAL ESTATE LOAN X 510000 509026 0 1 1 JENNIFER LEE OFFICER NEW AUTO LOAN X 55000 35866 0 1 1 JIM TRACESKI KEY EMPLOYEE NEW AUTO LOAN X 17000 10888 0 1 1 GREGORY MCCURDY KEY EMPLOYEE USED AUTO LOAN X 18127 14961 0 1 1 5294670 FORM 990, PART VI, SECTION A, LINE 6 PROVIDENT CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. PROVIDENT CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF PROVIDENT CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B EACH BOARD MEMBER WILL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW AND BE GIVEN AN OPPORTUNITY TO SUGGEST CORRECTIONS OR REVISIONS PRIOR TO FILING EACH YEAR. FORM 990, PART VI, SECTION B, LINE 12C ALL STAFF ARE REQUIRED TO SIGN A CONFLICT OF INTEREST FORM ON AN ANNUAL BASIS. IN ADDITION, OUR POLICY REQUIRES THAT WE BE NOTIFIED WITHIN 10 DAYS OF ANY EVENT OR CIRCUMSTANCE THAT MAY RESULT IN A CONFLICT OF INTEREST. FORM 990, PART VI, SECTION B, LINE 15 WE SUBSCRIBE TO NUMEROUS COMPENSATION SURVEYS FOR OFFICERS AND KEY EMPLOYEES. THESE ARE REVIEWED AND COMPARED TO CURRENT SALARY LEVELS. IN ADDITION, AN ANNUAL EVALUATION OF EACH PERSON'S PERFORMANCE IS COMPLETED INCLUDING ONE FOR THE CEO DONE BY THE BOARD. THE BUDGET IS ALSO A LARGE COMPONENT OF THIS DECISION. FORM 990, PART VI, SECTION C, LINE 18 FINANCIAL STATEMENTS ARE POSTED IN EACH BRANCH OFFICE AND ON THE WEB. THE OTHER DOCUMENTS WOULD BE AVAILABLE ON A CASE BY CASE BASIS. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMEMTS ARE POSTED IN EACH BRANCH OFFICE AND ON THE WEB. THE GOVERNING DOCUMENTS AND CONFLICTS OF INTEREST POLICIES ARE MADE AVAILABLE ON A CASE BY CASE BASIS. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. PROVIDENT SERVICES CORPORATION INC 303 TWIN DOLPHIN DRIVE REDWOOD CITY CA 94065 942355881 INSURANCE PRODUCTS CA PROVIDENT CREDIT UNION C 1108970 1978283 1.00000 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 PROVIDENT SERVICES CORPORATION INC Q 1558955 ACTUAL AMOUNT PAID PROVIDENT SERVICES CORPORATION INC A 216773 ACTUAL AMOUNT PAID