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Levine Calls for Creation of Public Administrator for PG&E
Governor Gavin Newsom, announced the formation of a hand picked team to oversee PG&E’s service and safety responsibilities to the public.
As Pacific Gas and Electric’s (PG&E) second Public Safety Power Shutoff (PSPS) continues to leave millions without power, Assemblymember Marc Levine (D –
Marin County) today announced urgency legislation to authorize the California Public Utilities Commission (CPUC) to temporarily appoint a Public Administrator
to oversee the management of PG&E. Levine plans to introduce the legislation when the legislature reconvenes in January 2020. Under Levine’s proposal, the CPUC would establish a test to determine if a Public Administrator should be appointed to oversee PG&E. The test would include an analysis of PG&E’s financial health, the reliability of the utility’s infrastructure and its safety record. The Public Administrator would be authorized to work with PG&E leadership and make decisions necessary to restore critical infrastructure, ensure that proper safety protocols are followed and increase public
confidence in the utility. Once the CPUC is able to determine that PG&E has complied with these financial, infrastructure and safety requirements, full management responsibilities would be returned to PG&E. During the week of October 7, 2019, PG&E initiated a Public Safety Power Shutoff (PSPS), forcing blackouts on over 2 million Californians, preventing 130,000 students from attending school and causing economic losses estimated in the billions. After that event, PG&E’s CEO William Johnson speculated that these blackout events could occur for another decade. [Continued on Page 5]
Page 5 Editors Note
Joshua Smith of AIM
The Flamenco Society of San Jose Presents
“Holidays Juerga” Community Flamenco Performance
Saturday December 14, 2019 at 7:00 PM. December 10th-30th • $20 – $50
Historic Hoover Theatre 1635 Park Av. San Jose, CA 95126 Tickets:
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THE FLAMENCO SOCIETY OF SAN JOSE
The Drive-thru runs from December 10th-30th, and is closed on December 25th. Tickets for specific time slots (30-minute windows between 6:00pm – 9:30pm) are required for entry. YOU MUST PURCHASE A TICKET ONLINE BEFORE ARRIVAL, as no tickets will be sold at the park entrance.
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Tickets: General Admission: $45 Discount for advance Senior/Student/ Military/Educator purchases: $40 Online at www.3Belowtheaters.com or 408.404.7711 You Never Know What Who’s Going to Say! You last saw her with the Grinch when she was just two. But ever wonder what happened to Cindy Lou Who? It’s 40 years later – come se the results. In a holiday show that is just for adults! Rated R - Not Recommended for 18 or under.
Meet Maddie’s Fellow John Cicolella How did a network administrator in banking become a future leader in animal welfare? John Cicolella had loved animals all his life. When he learned about the Executive Leader Fellowship, funded by Maddie’s Fund, he knew he needed to apply. The fellowship is an immersive professional opportunity for animal welfare professionals seeking to develop and strengthen their skill sets in animal sheltering management and leadership. The chance for a 12-month fellowship at HSSV, the world’s first model shelter and a national leader for excellence in shelter medicine, was an opportunity for John to gain first-hand experience in an animal shelter setting. While John’s day job consisted of working as a network administrator at a banking firm, he had found a way to integrate his true passion into his life in other ways. He had started an animal rescue called Rescue Pit in Rochester, New York, where he lived at the time. The volunteer-run and foster-based rescue focused on rescuing and rehabilitating shelter dogs with behavior issues. He had also opened a dog training business, called the Academy of Dog Trainers, to learn more about positive training and help the dogs taken in by his rescue. He was proud of his work, but knew he
was ready to take the next step into working with animals full-time. John applied for the fellowship, was accepted, and moved across the country, eager for the opportunity to develop and strengthen his skills in animal welfare leadership. He has now been at Humane Society Silicon Valley for ten months. During that time, he has been mentored by HSSV’s leadership team, including President Carol Novello. “John’s leadership and project management abilities have really begun to shine since he came to Humane Society Silicon Valley,” says Carol Novello. “His work on our Community Development programs enables us to expand our mission impact throughout Silicon Valley. We are proud to have been able to give him this runway and are excited to see what lies ahead.” John has also shadowed members of each department, learning about best practices in animal welfare, standards of care, and the importance of shelter medicine. He has worked on projects helping Humane Society Silicon Valley’s targeted zip code free spay/neuter program achieve its goals, created a business plan for the mobile spay/neuter program, and worked on a number of collaborative projects between community organizations and Humane Society Silicon Valley. John
finishes his fellowship early 2020 and is actively searching for a leadership position in an animal shelter. About Humane Society Silicon Valley: Humane Society Silicon Valley (HSSV) is an independent, privately funded, 501(c)(3) non-profit organization serving people and pets for over 90 years. In 2017, HSSV became the first organization ever to earn model shelter status according to the guidelines set forth by the Association of Shelter Veterinarians. As an independent nonprofit organization, HSSV does not receive funding from Humane
Making A Difference
Society of the United States, ASPCA, or state and federal government entities. HSSV offers quality adoptions, affordable spaying/ neutering, vaccinations, microchipping services, pet care services, and education programs to enhance the human-
animal bond. Established in 1929, HSSV has adopted more than 500,000 animals into permanent, loving homes. Animal welfare is their top priority and their mission is to save and enhance lives. For more information, visit www. HSSV.org.
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In Rememberance Jeffrey V. Neuroth DDS Dec. 12, 1946 – Oct. 29, 2019
Jeffrey Neuroth, San Jose dentist and Morgan Hill resident, passed away on Tuesday, October 29 after a yearlong heroic fight with pancreatic cancer. For over forty years, Jeffrey Neuroth DDS, was a highly regarded and beloved dentist to generations of patients at his Cherry Avenue office in San Jose. Dr. Neuroth treated everyone with a compassion and care that earned him his patients’ trust and loyalty, many of whom stayed with him for decades, often referring their families, friends and coworkers. Outside of the office, Jeffrey loved spending time on his boat fishing for everything, from salmon and tuna, to halibut and crabs. His weekend excursions on Monterey Bay tided him over in between lengthier exciting fishing trips to Mexico and Alaska. Any day on his boat, near the ocean he loved so much, was a good day. Jeffrey is survived of by his wife Karen Neuroth, sons Brian Neuroth of San Jose, and David Neuroth of Morgan Hill. He was preceded in death by his son Andrew Neuroth, who passed away in 2016. Jeffrey Neuroth will be remembered for his commitment to his patients, his excitement and passion for fishing and especially how much he loved and cared for his family. At the family’s request, services will be private.
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Levine Calls for Creation of Public Administrator for PG&E
[Continued From Page 1] Earlier this year, PG&E acknowledged that its equipment was responsible for the 2018 Camp Fire that killed 85 people and was the most destructive wildfire in California history. PG&E has also recently acknowledged that its equipment may have cause the current Kincade Fire in Sonoma County that has burned 66,231 acres, destroyed at least 96 structures, threatened an additional 80,000 structures and forced the
evacuation of 185,000 people. PG&E’s current PSPS is impacting over 960,000 customer accounts in Alpine, Amador, Butte, Calaveras, Colusa, El Dorado, Fresno, Glenn, Humboldt, Kern, Lake, Madera, Marin, Mariposa, Mendocino, Napa, Nevada, Placer, Plumas, San Joaquin, Shasta, Sierra, Solano, Sonoma, Tehama, Trinity, Tuolumne, Yolo and Yuba counties. “In every possible
way, PG&E has failed the people of California by neglecting its responsibilities for decades and prioritizing profits over public safety,” said Assemblymember Levine. “We cannot
A Step Forward allow PG&E’s poor leadership to continue to harm California residents or our state’s economy which is more and more dependent upon a clean, safe and reliable supply of electricity. We need a responsible adult in the room to right PG&E’s
wrongs. My proposal to create a Public Administrator for PG&E will help this utility refocus its priorities on safety and increase needed public confidence in this essential public utility service.”
Editor’s Note We are proud to announce our new collaboration between The Bay Area Review and Local Community Heroes with our publications. One combined Edition each month. This decision establishes a Media Vision on behalf of our communities -we serve an extraordinarily diverse audience and appreciate those voices. What matters to you, our neighbors, certainly matters to us. And with this new collaboration as the means by which; to tell your stories, promote your charity events, advertise your business milestones and celebrate your achievements -- We invite reach out and stay in touch. See you out there ...
Hemant Desai, CEO/Founder
Brigitte Jones, Publisher
The Bay Area Review 408-898-7534 • www.thebayareareview.com
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Suits2Empower: La ropa que es demasiado Suits2Empower: Clothes That are too Small pequeña para ti puede marcar una gran For You Can Make a Big Difference in the diferencia en la vida de otros Lives of Others There is a joy of doing something for others at any age. Hace tres años, estaba debatiendo contra un oponente talentoso en el Torneo de Debate de California. Mientras esperaba la decisión del juez, le pregunté si lo vería en un próximo torneo. Sorprendentemente, respondió que no, explicando que no tenía un traje y se sentía "fuera de lugar" en estos eventos. Este estudiante fue lo suficientemente valiente como para decirlo fuerte, pero imaginé a cientos de personas que evitaron importantes oportunidades académicas por razones similares. Al darme cuenta de que tenía un traje pequeño en mi armario, me pregunté cómo muchas otras personas tenían trajes extras en sus armarios. Compartí la idea de donar trajes a aspirantes menos afortunados y se nos dio la oportunidad de hablar en la asamblea escolar y comenzar una campaña de donación. Poco después de la asamblea, mi bandeja de entrada estaba rebosante de correos electrónicos de padres y personal que desean ayudar, y así nació Suits2Empower.
Three years ago, I was debating against a talented opponent at the California Debate Tournament. While waiting for the judge’s decision, I asked if I would see him at an upcoming tournament. Shockingly, he answered no, explaining that he did not have a suit and felt “out of place” at these events. This student was brave enough to say it out loud, but I imagined hundreds of others who avoided important academic opportunities for similar reasons. Realizing that I had an undersized suit in my closet, I wondered how many other people had a surplus of suits in their wardrobes. I shared the idea of donating suits to less-fortunate aspirants and was given an opportunity to speak at a school assembly and start Krishay Mukhija & Harshil Thakur a donation drive. Soon after the assembly, my inbox was Suits2Empower aumenta las oportunidades educativas para los estudiantes de escasos overflowing with emails from parents and staff wanting to help, and Suits2Emrecursos en comunidades marginadas, proporcionando ropa de negocios y tutoría. Nuestra power was born. misión es empoderar hombres y mujeres jóvenes en su viaje hacia el éxito a través de la participación en el discurso y debate, capacitación laboral, pasantías, etc. Suits2Empower increases the educational opportunities for students in underserved communities by providing business clothing and mentorship. Our Al asociarnos con Fresh life for Youth, Urban Debate League, Peninsula Bridge, Lincoln Law mission is to empower young men and women on their journey toward success School y otras organizaciones sin fines de lucro, hemos servido a más de 1500 estudiantes en through participation in speech & debate, job training, internships, and etc. By su búsqueda del éxito académico. partnering with the Freshlife for Youth, Urban Debate League, Peninsula Bridge, Lincoln Law School, and other non-profits, we have served over 1500 students in El viaje de Suits2Empower ha sido desafiante, pero gratificante y la experiencia de un gran their pursuit towards academic success. aprendizaje. Ante cada obstáculo, nuevas puertas se abrieron y se presentaron más oportunidades, permitiendome aprender habilidades valiosas para lograr el cambio. Sin embargo, la The Suits2Empower journey has been challenging, yet gratifying and a great lección más valiosa que he aprendido es la capacidad de empatizar con los demás y desarrollearning experience. At every roadblock, doors have opened and presented me lar conexiones humanas. with new opportunities. These ultimately allowed me to learn valuable skills in effecting change. However, the most valuable lesson I have learned is the ability La foto del primer estudiante que usó uno de nuestros trajes decoran mi pared y la sonrisa en to empathize with others and develop human connections. The photo of the first su rostro, el equilibrio y la confianza en su postura es la recompensa que obtengo. A veces, student who wore one of our suits decorates my back wall and the smile on his una caja de donación vacía me desanima y creo que el proyecto es inútil. Pero después de face and the poise and confidence in his posture is the reward that I get. At conocer a los jóvenes en estos eventos y al escuchar sus historias inspiradoras, me siento times, an empty donation box disheartens me, and I believe that the project is reavivado y tengo una pasión más fuerte por continuar. futile. But after meeting the youth at these events and hearing their inspiring Nuestro lema en Suits2Empower es "Ropa que es demasiado pequeña para ti, puede hacer stories, I feel reignited and have a stronger passion to continue. Our motto at un gran diferencia en la vida de otros”. Suits2Empower is “clothes that are too small for you can make a big difference in Puede ser abrumador ver los grandes problemas que plaga sociedad, pero centrarse en una the lives of others.” It may feel overwhelming to look at the big issues that plague cosa pequeña a la vez naturalmente atraerá a un colectivo energía para ayudar ha abordar los society, but focusing on one small thing at a time will naturally attract a collecproblemas más grandes. Krishay Mukhija Krishay Mukhija tive energy to help tackle the larger problems.
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Message from Founder and CEO Hemant Desai Local community Heroes is a nonprofit 501 (3) (c) corporation registered in the State of California and recognized by the IRS in all the states. Purpose of the organization is to recognize, celebrate, uplift the Students and inspiring Teachers of the community by sharing their victories in the “Local Community Heroes-Héroes de la Comunidad” School Based Bi-lingual Community Publication reaching to all the community in the City of San Jose Silicon Valley. Local community Hero provides Scholarship to college-bound deserving students regardless of race, ethinicty or religion and has been doing so since 2016. Now, would like to provide internship for school and college students in Journalism, Web Design, Graphic Design, and Social Work in the community. Your financial help and support will be most recognized by the current and future citizens of the community.
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A Better Future
Orange Sunrise NORTH COYOTE VALLEY PROTECTED Victory! We’re so pleased to share that yesterday, the San Jose City Council voted unanimously to approve a deal that will protect a key section of Coyote Valley in partnership with POST and the Santa Clara Valley Open Space Authority. Together, we’re preserving this essential South Bay landscape for people, water and wildlife.
Protecting 937 acres in northern Coyote Valley is a huge step forward in securing our region’s sustainability and resiliency in the midst of a changing climate. This deal aligns with the will of San Jose voters, and ensures opportunities for natural flood control, clean drinking water, recreation and preserved wildlife habitat.
The agreement to protect North Coyote Valley optimizes land use and brings the priorities of the City of San Jose, local residents and the conservation community together around a shared vision. This collaborative approach is a testament to more enlightened planning, which gives us tremendous hope for the future.
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Be The Change
SEEKING TODAY’S TEEN LEADERS - AWARDING A NEW GENERATION OF YOUNG PEOPLE COMMITTED TO CREATING WORLDWIDE CHANGE The Helen Diller Family Foundation’s Diller Teen Tikkun Olam Awards program is now accepting nominations for 2020. The awards recognize up to 15 extraordinary Jewish teens annually with $36,000 each to support their ongoing social impact projects, or to further their education. Up to five teens from California and ten from other communities nationwide will be acknowledged for demonstrating exceptional leadership and impact in repairing the world. Anyone interested in nominating a teen, or any teen interested in applying directly, is welcome to visit www. dillerteenawards.org to begin the nomination or application process. The nomination deadline is December 18, 2019, and all applications must be completed by January 8, 2020.
The Diller Teen Tikkun Olam Awards were the vision of Bay Area philanthropist Helen Diller, who sought to recognize the next generation of sociallycommitted leaders whose dedication to volunteerism exemplifies the spirit of tikkun olam, a Jewish value meaning “to repair the world.” “Nominating a teen for the Tikkun Olam Awards is a wonderful opportunity for educators, civic leaders, and teen mentors across the country to recognize young Jewish leaders who are creating meaningful change at home and across the globe,” said Jackie Safier, Helen Diller’s daughter and President of the Helen Diller Family Foundation. “We hope the Awards encourage and catalyze a generation of Jewish teens in their ambitious work to repair the world.” Since 2007, more than $4.5 million has been
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awarded to 129 teens in recognition of their vision, innovation, and leadership. Each year we recognize 15 more role models as a part of Helen’s living legacy. The Diller Teen Tikkun Olam Awards is one of many projects funded by the Helen Diller Family Foundation, a supporting foundation of the Jewish Community Federation of San Francisco, the Peninsula, Marin, and Sonoma Counties. A short documentarystyle film (https://youtu. be/MgYl0djdirk) profiles the 2019 recipients, illustrating the passion, impact, and leadership behind each teen leader. Highlights from the film include:
“Through Shine, my teammates and I have connected our interests in innovation with service and meaningful contribution, camaraderie, honed our entrepreneurial skills, and learned the importance of practicing tikkun olam.“ - Solomon Olshin, 2019 Awardee
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“Books for a Change is fueled by not only my passion for reading, but my passion for assisting those who
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Nickelodeon HALO Awards. INFORMATION FOR NOMINATORS/ APPLICANTS: The Awards recognize up to 15 Jewish teens who are outstanding leaders in community service with awards of $36,000 each. We seek teens showing significant initiative and leadership in creating and leading a new initiative – or who have considerably deepened or expanded an existing project — that embodies the values of tikkun olam, “repairing the world.” Nominations offer the opportunity for educators, civic leaders, and teen mentors to acknowledge Jewish teens who are actively working to create meaningful change in their communities and the world. Projects may have any focus, from raising money, to hands-on interactions, to larger systemic-change initiatives. The work can have a local, national, or global focus benefiting the Jewish or general community. Applicants can create a new project or contribute to an established initiative if they demonstrate a current, significant leadership role in an existing organization or project.
Be The Change
CRITERIA: • Aged 13-19 years old (as of the application deadline on January 8, 2020) • Self-identify as Jewish • Resident of the United States • Volunteering without any compensation for their services • Currently serve in a leadership role on a project/initiative aimed at repairing the world
Through an online application, teens are asked to demonstrate:
• Proven commitment to the value and practice of tikkun olam • Current leadership of and dedication to the project over time • Effective development and implementation of a project or organization • Demonstration of vision and creativity • Ability to impact a growing number of individuals and/or engage a growing number of individuals in the project, either as partners, participants or beneficiaries • Ability to articulate the history, meaning and significance of the project, its goals, impact and potential to engage others
Applications will be available in October. Complete the online “Nominate” form found at www.dillerteenawards.org. For more information, email email@example.com or call (415) 512-6432.
Boyd’s Tree Service Landscaping Maintenance Since 1984
Clear Away Fire Hazards Around Your House
• Structural Pruning • Tree Trimming • Stump Removal We Specialize in Redwood Trees!
408-371-5040 Contractor License #665121
Local Fresh Cuisine Your Table is Ready Breakfast • Lunch • Dinner 6944 Almaden Expy San Jose, CA 95120 408-622-5835
Music Lessons Only $15 per lesson!! Call (408)268-6703 firstname.lastname@example.org
• Piano • Guitar • Drums • Bass • Flute
What a fantastic display of talent and energy for the first weekend of November at the Alameda Artworks Open Studios.
Sieglinde Van Damme’s “Pop-up Studio”
Serve and Protect
Ro Khanna with Bronze Star Honoree Takashi Jack Soto and family.
A Salute of Honor
Joshua Smith(left) with Ro Khanna (center) and Tom Pyke (right).
Joshua Smith, Campus Executive Director at AVIATION INSTITUTE of MAINTENANCE and his team welcomed Congressman Ro Khanna to Salute our Veterans and hold a town hall meeting with constituents. Veterans Recognized (Pictured Below): • Ken Brunskill US Navy Vet Vietnam-Fremont • Jake Janitz US Army Vietnam/South Korea Vet-Milpitas • Tito Cortez US Army Vet Vietnam War-San Jose • Robert (Bob) US Army Vet Korean War Gross-Alviso • Forrest Williams-San Jose (Did not make event but honored) (Former City Council San Jose) • Dennis Whittaker- US Army Vet-Cupertino • Jerry Kromrey- US Air Force Vet San Jose • Bronze Star Honoree Korean War Veteran Takashi Jack Soto- Presented by Major Bender and Congressman Ro Khanna
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We’re new to the neighborhood but not tomembers banking. For over 80 years,new we’ve helped across Northern California and ready to help you save. We recently opened a branch at Almaden Ranch Forwe’re over 80 years, we’ve helped members across Northern California and we’re ready in San Jose and invite you to join our 350,000+ community members. to help you save. Wewe recently opened a branch in the Cherry OrchardofShopping Center in Sunnyvale and we invite you to join our 350,000+ community of members. Membership is free.
Membership is free.1
For a limited time only, take advantage of
How It How Will It Will Save You Money Save You Money
Loan LoanType Type
3 Auto AutoLoan Loan¹
Receive 0.50% APR2APR Receive 0.50% discount when you you discount when refinance your auto refinance your auto loan from another loan from another financial institution
Personal Loan 4
Home Equity Line of Credit6
Home Equity Line of Credit⁴
Refinance and and Refinance lower your monthly payments with with payments a rate as low as a rate 2.74% APR as low as
To take advantage of these exclusive offers, please visit our Sunnyvale Branch at 332 W El Camino Real or call toschedule an appointment at 408.541.3700 M-Th 10 AM – 6 PM, Fri 9 AM - 6 PM, Sat 10 AM - 2 PM
loans or credit cards Our already low rates a personal loan areOur evenalready lower with lowarates with rate as low as 0.50% APR discount are even lower with a 4.90% APR
0.50% APR discount
rate as low as 5.40% APR
Rates are the lowest since 2016. Now’s the time to refinance and keep more cash in No closing costs on your pocket
No closing costs on your home purchase or refinance
your home purchase or refinance Rate of Prime minus 1% for the first 12 months
Rack up your savings. 82
Holl enb eck Ave
For a limited time only, take advantage of
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keep more cash in
today’s low rates Withyour pocket and our generous , you won’t need
With Rate of Prime minus remodel any longer 1% for the first 12 months
Learn more at patelco.org/Sunnyvale.
Insured by NCUA
remodel any longer 1.There’s no fee to join and your membership includes a free savings account. Patelco will deposit $1 in your savings account upon qualified account opening. 2. APR = Annual Percentage Rate. All offers below are limited time offers and subject to change without notice. Offers are limited to new members originating at the Sunnyvale branch and are all subject to credit approval. For more information, visit the Sunnyvale Branch at 332 W El Camino Real, Sunnyvale or call 408.541.3700. 3. Rate discount of 0.50% APR off current auto loan rates and valid on auto loan refinances only. Cannot be combined with other offers. Auto rates as low as 2.64% APR effective 9/5/2019; subject to change without notice. Lowest rate quoted includes special Sunnyvale branch discount. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account, and loan balances, program designation and vehicle age. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.89% APR. To learn more about rates, terms, and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. 4. Rate discount of 0.50% APR off current personal loan rates. Personal Loan rates offered effective 9/5/2019; and lowest rate quoted includes special Sunnyvale branch discount. Patelco offers a range of base rates and discounts based on factors including credit type, loan term, Commitment Household/account relationship, and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. 5. No Closing Costs offer available for owner occupied primary residential purchases and external (payoff of a non-Patelco originated lien) refinance only with loan amounts of $1.5 million or less. Offer not available on new Patelco brokered FHA, VA or other government-insured loans. Subject to approval. Patelco Credit Union will pay customary closing costs including: lender’s title insurance, title/escrow services, appraisal, tax service, credit report, flood certification, and recording fees. Paid closing costs do not include pre-paid interest, homeowners insurance, initial escrow deposit, owner’s title insurance, or city and/or county transfer taxes. Borrower may select escrow and/or title company. Other restrictions apply. 6. The Introductory APR of Prime (5.25%) minus 1% and other terms as shown are accurate as of September1, 2019 and apply to a HELOC for the most qualified applicant at CLTV up to 80% on applications. Not all applicants will qualify for the lowest rate. Rates vary based on property value, line amount and other factors, and will vary for second or vacation homes. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final fifteen years. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 5.25%. Maximum interest rate is 17%. The variable Introductory APR is based upon The Wall Street Journal Prime Rate (“Prime”). Prime may change at any time and is subject to change without notice. If Prime increases or decreases during the Introductory Period, the variable Introductory APR and minimum required payment will correspondingly change. The Introductory Period begins on the date of account opening and lasts for the first twelve (12) billing cycles. After the Introductory Period ends, any and all remaining balances will automatically convert to the variable APR, and minimum required payment per the terms of the HELOC agreement. The variable APR is based on Prime plus a margin, and will vary with Prime. The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000. Closing costs range from $0 to $2,500. This offer does not include escrow or recording fees that may result from changes in title or vesting.