2025-11-10T17:32:06-06:00 2024-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2024-01-01 941482957 PROVIDENT CREDIT UNION PROV 6505080300 303 TWIN DOLPHIN DRIVE REDWOOD CITY CA 94065 JENNIFER LEE SVP/CFAO 6505080300 2025-11-06 1 1 NATALIE HULL CPA P00089332 8189549700 2024 2025-03-06 01:10:19Z JAMES L ERNEST 303 TWIN DOLPHIN DRIVE REDWOOD CITY CA 94065 163835556 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 9 410 14 673416 0 0 0 122177191 134075258 19596721 27547858 3375243 2190524 145149155 163813640 317104 277505 0 0 44404150 45873752 0 0 0 93097618 114342788 137818872 160494045 7330283 3319595 3497380170 3546468170 3160218947 3189216280 337161223 357251890 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 1 0 0 0 0 0 0 0 0 1 1 1 0 1 59753 0 1 410 1 1 1 0 0 0 0 0 1 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 SVPCFAO 6505080300 303 TWIN DOLPHIN DRIVE REDWOOD CITY CA 94065 JUNE ROTHE CHAIRMAN 2.00 X 0 0 0 SAMUEL JOHNSON JR VICE CHAIRMAN 2.00 X 0 0 0 CHRISTINE BOLAND SECRETARY 2.00 X 0 0 0 DAVID BUCKMASTER TREASURER 2.00 X 0 0 0 DAVID PELZNER 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 ROSANNE FOUST SUPV CMTE MEMBER 2.00 X 0 0 0 KENNETH RUBAY SUPV CMTE MEMBER 2.00 X 0 0 0 GREGORY TESHARA SUPV CMTE MEMBER 2.00 X 0 0 0 TODD MCCORMACK SUPV CMTE MEMBER 2.00 X 0 0 0 JAMES ERNEST PRESIDENT/CEO 40.00 X 1151218 0 71749 JENNIFER LEE SVP/CFAO 40.00 X 552486 0 68411 FRED GOMES SVP 40.00 X 446079 0 29260 GANESH RAGHAVAN VP, NETWORK INFRASTRUCTURE & SECURITY 40.00 X 383853 0 49445 GREG KENT MCCURDY VP, LENDING 40.00 X 359661 0 54436 JOHN HAGGARTY VP, MARKETING 40.00 X 343962 0 85421 JOHN PAUL REILLY VP, BS&O 40.00 X 335952 0 84361 ERIC CARDONA VP, IT DEV OPS AND SUPPORT 40.00 X 303176 0 55954 SHALINI SAHDEO NARAYAN VP, SERVICE QUALITY 40.00 X 293115 0 47420 PAUL SHEA VP, HUMAN RESOURCES 40.00 X 257113 0 70078 JANELLE HUYNH VP, FINANCE 40.00 X 229894 0 50939 CHRISTINE M KEANE VP, RISK MANAGEMENT 40.00 X 223062 0 43500 MOHAMAD A SANGABI SR. MORTGAGE CONS. 40.00 X 249953 0 42120 FATEMEH ASAD SANGABI SR. MORTGAGE CONS. 40.00 X 185857 0 39727 DAVID HERRERA JR SR. MORTGAGE CONS. 40.00 X 151097 0 20895 PHUONG PATRICIA JACOBS MORTGAGE COUNSELOR I 40.00 X 148894 0 10490 NORMAN WHITEMAN SR. MORTGAGE CONS. 40.00 X 125750 0 22137 5741122 0 846343 100 0 1 0 EPLUS TECHNOLOGY INC FILE 56861 LOS ANGELES CA 900746861 VARIOUS IT HARDWARE, SOFTWARE, SERVICES 1923497 MICROSOFT CORPORATION ONE MICROSOFT WAY REDMOND WA 98052 MICROSOFT LICENSES AND SERVICES FOR IT O 1663083 FISERV SOLUTIONS INC PO BOX 208457 DALLAS TX 753208457 FINANCIAL SERVICES TECHNOLOGY AND PAYMEN 1586644 FINASTRA USA CORP PO BOX 945120 ATLANTA GA 303945120 CORE RETAIL BANKING SOFTWARE 1020765 MPX 2301 CONGRESS STREET PORTLAND ME 04102 POSTAGE AND STATEMENT PRODUCTION 888518 66 INCOME FROM LOANS 522100 109949579 109949579 OTHER OPERATING INCOME 522100 17458863 17458863 FEE INCOME 522100 6666816 5993400 673416 134075258 27542774 27542774 1972561 0 1972561 1972561 1972561 27000 21916 5084 5084 5084 OTHER NON-OPERATING IN 522100 217963 217963 217963 163813640 161167663 673416 1972561 145505 132000 5741122 28320022 1368613 7892697 2551298 241988 363430 4899679 3596592 8380850 5640557 7409764 714955 65722353 4439138 LOAN SERVICING EXPENSE 8100501 MISCELLANEOUS EXPENSE 2298886 CREDIT LOSS EXPENSE 2172893 OPERATING FEES 361202 160494045 7786739 5988701 102605010 431046711 8403214 8603391 5166471 5710287 86484221 59428391 29445654 27055830 794308839 382594277 2508261992 2639490934 41402251 45978039 3497380170 3546468170 44381837 53861658 3115837110 3135354622 3160218947 3189216280 X 0 0 0 0 337161223 357251890 337161223 357251890 3497380170 3546468170 3319595 16771072 0 X X 0 1 X 1 0 130 130 130 1 HAYWARD CHAMBER OF COMMERCE - CA POST OFFICE BOX 235 HAYWARD CA 94543 941018823 45 OAKLAND CHAMBER OF COMMERCE 300 FRANK H OGAWA PLAZA STE 155 OAKLAND CA 94162 953217684 85 PART I-A, LINE 1: CONTRIBUTION TO OAKLAND'S POLITICAL ACTION COMMITTEE ID#983545 CONTRIBUTION TO GOOD GOVERNMENT NOW! CONTRIBUTION IS A POLITICAL ACTION COMMITTEE TO PROMOTE ECONOMIC DEVELOPMENT IN HAYWARD FPPC#972023 7510980 7510980 39573144 26372783 13200361 12130093 11110635 1019458 27270004 21944973 5325031 27055830 NCUA SHARE INSURANCE DEPOSITS 25983321 C ALL OTHER INVESTMENTS 15000000 F NET LOANS AND LEASES 2597108363 F PAID IN CAPITAL AT CORP 656250 C LOAN HELD FOR SALE 743000 F 2639490934 TOTAL SHARES AND DEPOSIT 3133582525 ACCRUED DIVIDENDS ON INTEREST PAYABLE 1772097 3135354622 X 161280047 0 161280047 2533593 2533593 163813640 157960452 0 157960452 2533593 2533593 160494045 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, 2024 AND 2023, 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. PART XI, LINE 4B - OTHER ADJUSTMENTS: RECLASSIFY REVENUE AND EXPENSES PART XII, LINE 4B - OTHER ADJUSTMENTS: RECLASSIFY REVENUE AND EXPENSES 1 CRISTO REY DE LA SALLE EAST BAY PO BOX 7010 OAKLAND CA 94601 821269696 501(C)(3) 29375 0 FMV TO SUPPORT AND ENCOURAGE CORPORATE WORK STUDY PROGRAM. SAN JOSE STATE UNIVERSITY ONE WASHINGTON SQUARE SAN JOSE CA 951920138 770387618 501(C)(3) 20000 0 FMV TO PROMOTE COMMUNITY ENGAGEMENT AND FUNDRAISING FOR SJSU STUDENT PROGRAMS HABITAT FOR HUMANITY GREATER SAN FRANCISCO 300 MONTGOMERY ST STE 450 SAN FRANCISCO CA 94104 943088881 501(C)(3) 15000 0 FMV TO BRING PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE. TOWER FOUNDATION OF SJSU ONE WASHINGTON SQUARE SAN JOSE CA 951920183 830403915 501(C)(3) 11500 0 FMV TO SUPPORT STUDENT CLUBS, CAMPUS CULTURE, AND PHILANTHROPY ONE LIFE COUNSELING 1303 SAN CARLOS AVENUE SAN CARLOS CA 94070 810919786 501(C)(3) 10000 0 FMV TO SUPPORT MENTAL HEALTH AWARENESS AND COMMUNITY HEALING AMERICAN HEART ASSOCIATION PO BOX 5030 BOONE IA 50950 135613797 501(C)(3) 10000 0 FMV TO PROMOTE CARDIOVASCULAR HEALTH AND FUND LIFESAVING RESEARCH AND PROGRAMS OMEGA-SIGMA IOTA SCHOLARSHIP FUND INC 484 LAKE PARK AVENUE 3 OAKLAND CA 946102730 943178579 501(C)(3) 10000 0 FMV TO BRING EDUCATIONAL SUPPORT AND FINANCIAL AID TO STUDENTS IN NEED EASTERSEALS BAY AREA 2730 SHADELANDS DRIVE BUILDING 10 WALNUT CREEK CA 94598 841839186 501(C)(3) 8500 0 FMV TO SUPPORT DISABILITY SERVICES, REHABILITATION, AND INCLUSION PROGRAMS REBUILDING TOGETHER PENINSULA 841 KAYNYNE STREET REDWOOD CITY CA 94063 943106209 501(C)(3) 8000 0 FMV TO BRING PEOPLE TOGETHER TO REPAIR HOMES, COMMUNITIES, AND HELP OUR NEIGHBORS STAY IN THEIR HOMES. HABITAT FOR HUMANITY EAST BAY 2619 BROADWAY OAKLAND CA 94612 943053687 501(C)(3) 6000 0 FMV TO BRING VOLUNTEER ENGAGEMENT AND COMMUNITY BUILDING 10 0 COLLEGE SCHOLARSHIPS 27 132000 FMV 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 930058 0 202949 0 18211 0 28088 0 43661 0 1222967 0 0 0 JENNIFER LEE SVP/CFAO 426813 0 105625 0 20048 0 24750 0 43661 0 620897 0 0 0 FRED GOMES SVP 250311 0 188096 0 7672 0 13241 0 16019 0 475339 0 0 0 GANESH RAGHAVAN VP, NETWORK INFRASTRUCTURE & SECURIT 306520 0 75011 0 2322 0 5784 0 43661 0 433298 0 0 0 GREG KENT MCCURDY VP, LENDING 281143 0 71660 0 6858 0 20672 0 33764 0 414097 0 0 0 JOHN HAGGARTY VP, MARKETING 270090 0 67862 0 6010 0 20257 0 65164 0 429383 0 0 0 JOHN PAUL REILLY VP, BS&O 265800 0 68910 0 1242 0 19197 0 65164 0 420313 0 0 0 ERIC CARDONA VP, IT DEV OPS AND SUPPORT 282234 0 20132 0 810 0 20448 0 35506 0 359130 0 0 0 SHALINI SAHDEO NARAYAN VP, SERVICE QUALITY 231710 0 60661 0 744 0 9355 0 38065 0 340535 0 0 0 PAUL SHEA VP, HUMAN RESOURCES 238669 0 16409 0 2035 0 4914 0 65164 0 327191 0 0 0 JANELLE HUYNH VP, FINANCE 210769 0 14166 0 4959 0 15433 0 35506 0 280833 0 0 0 CHRISTINE M KEANE VP, RISK MANAGEMENT 181194 0 39394 0 2474 0 18120 0 25380 0 266562 0 0 0 MOHAMAD A SANGABI SR. MORTGAGE CONS. 51057 0 197608 0 1288 0 23870 0 18250 0 292073 0 0 0 FATEMEH ASAD SANGABI SR. MORTGAGE CONS. 48032 0 136665 0 1160 0 11716 0 28011 0 225584 0 0 0 DAVID HERRERA JR SR. MORTGAGE CONS. 50032 0 100828 0 237 0 0 0 20895 0 171992 0 0 0 PHUONG PATRICIA JACOBS MORTGAGE COUNSELOR I 44542 0 104261 0 91 0 7440 0 3050 0 159384 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 328308 0 1 1 JOHN HAGGARTY KEY EMPLOYEE REAL ESTATE LOAN X 600000 448229 0 1 1 JANELLE HUYNH KEY EMPLOYEE REAL ESTATE LOAN X 415250 289441 0 1 1 JANELLE HUYNH KEY EMPLOYEE REAL ESTATE LOAN X 1000000 836198 0 1 1 CHRISTINE M KEANE KEY EMPLOYEE REAL ESTATE LOAN X 194400 102225 0 1 1 JENNIFER LEE OFFICER REAL ESTATE LOAN X 2152654 2097626 0 1 1 GREGORY MCCURDY KEY EMPLOYEE REAL ESTATE LOAN X 710000 502231 0 1 1 GREGORY MCCURDY KEY EMPLOYEE USED AUTO LOAN X 18127 320 0 1 1 GREGORY MCCURDY KEY EMPLOYEE USED AUTO LOAN X 20000 4840 0 1 1 SHALINI SAHDEO NARAYAN KEY EMPLOYEE REAL ESTATE LOAN X 1395000 1081169 0 1 1 GANESH RAGHAVAN KEY EMPLOYEE REAL ESTATE LOAN X 425000 297331 0 1 1 JOHN PAUL REILLY KEY EMPLOYEE REAL ESTATE LOAN X 576000 374624 0 1 1 JOHN PAUL REILLY KEY EMPLOYEE NEW AUTO LOAN X 41075 36195 0 1 1 PAUL SHEA KEY EMPLOYEE REAL ESTATE LOAN X 733700 679800 0 1 1 ERIC CARDONA KEY EMPLOYEE REAL ESTATE LOAN X 465000 359434 0 1 1 ERIC CARDONA KEY EMPLOYEE REAL ESTATE LOAN X 1192500 1165420 0 1 1 8603391 ASHLEY PELZNER FAMILY MEMBER OF BOD 5000 SCHOLARSHIP LAUREN BUCKMASTER FAMILY MEMBER OF BOD 5000 SCHOLARSHIP SCOTT BUCKMASTER FAMILY MEMBER OF BOD 5000 SCHOLARSHIP COLE BUCKMASTER FAMILY MEMBER OF BOD 5000 SCHOLARSHIP SAMUEL JOHNSON FAMILY MEMBER OF BOD 2000 SCHOLARSHIP SAMUEL O'BRIEN FAMILY MEMBER OF BOD 5000 SCHOLARSHIP CHRISTOPHER WANGSANATA EMPLOYEE'S CHILD 5000 SCHOLARSHIP KEANA ESLAMPOUR EMPLOYEE'S CHILD 5000 SCHOLARSHIP JACQUELINE HUIZAR EMPLOYEE'S CHILD 5000 SCHOLARSHIP NATHAN DANG EMPLOYEE'S CHILD 5000 SCHOLARSHIP EVERETT HAGGARTY EMPLOYEE'S CHILD 5000 SCHOLARSHIP 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 988794 1394306 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 827337 ACTUAL AMOUNT PAID PROVIDENT SERVICES CORPORATION INC A 153016 ACTUAL AMOUNT PAID