<SEC-DOCUMENT>0000939057-15-000484.txt : 20151023
<SEC-HEADER>0000939057-15-000484.hdr.sgml : 20151023
<ACCEPTANCE-DATETIME>20151023115931
ACCESSION NUMBER:		0000939057-15-000484
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20151022
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20151023
DATE AS OF CHANGE:		20151023

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				330704889
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		151172232

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9096866060

	MAIL ADDRESS:	
		STREET 1:		3756 CENTRAL AVENUE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>prov8k102215.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K NEW STOCK REPURCHASE PLAN
<TEXT>
<html>
<head>
    <title>prov8k102215.htm</title>
    <!--Licensed to: b&a-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">UNITED STATES</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SECURITIES AND EXCHANGE COMMISSION</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Washington, D.C. 20549</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 18pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">FORM 8-K</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CURRENT REPORT</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Date of Report (Date of earliest event reported): <font style="FONT-WEIGHT: bold; DISPLAY: inline">October 22, 2015</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 18pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">PROVIDENT FINANCIAL HOLDINGS, INC.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(Exact name of registrant as specified in its charter)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
<tr>
<td valign="top" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware</font></div>
</td>
<td valign="top" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">000-28304</font></div>
</td>
<td valign="top" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">33-0704889</font></div>
</td>
</tr><tr>
<td valign="top" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(State or other jurisdiction</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">of incorporation)</font></div>
</td>
<td valign="top" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Commission</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">File Number)</font></div>
</td>
<td valign="top" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(I.R.S. Employer</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Identification No.)</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
<tr>
<td valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3756 Central Avenue, Riverside, California</font></div>
</td>
<td valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">92506</font></div>
</td>
</tr><tr>
<td valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Address of principal executive offices)</font></div>
</td>
<td valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Zip Code)</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Registrant&#8217;s telephone number, including area code:&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">(951) 686-6060</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
<tr>
<td align="left" valign="top" width="79%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions.</font></div>
</td>
</tr><tr>
<td valign="top" width="79%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="79%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">[&#160;&#160; ]&#160; Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>
</td>
</tr><tr>
<td valign="top" width="79%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="79%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">[&#160;&#160; ]&#160; Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>
</td>
</tr><tr>
<td valign="top" width="79%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="79%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">[&#160;&#160; ]&#160; Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160; (17 CFR 240.14d-2(b))</font></div>
</td>
</tr><tr>
<td valign="top" width="79%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="79%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-FAMILY: symbol, serif; DISPLAY: inline">[&#160;&#160; ]&#160; </font>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act&#160;&#160;&#160;</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160; (17 CFR 240.13e-4(c))</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Item 8.01&#160;&#160;Other Events</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">On October 22, 2015, Provident Financial Holdings, Inc. (the &#8220;Corporation&#8221;) announced that the Corporation&#8217;s Board of Directors authorized the repurchase of up to five percent (5%) of the Corporation&#8217;s common stock, or approximately 421,633 shares.&#160;&#160;The Corporation will purchase the shares from time to time in the open market or through privately negotiated transactions over a one-year period depending on market conditions, the capital requirements of the Corporation, and available cash that can be allocated to the stock repurchase program, among other considerations.&#160;&#160;The October 2015 stock repurchase plan will become effective once the Corporation has completed the April 2015 stock repurchase plan, subsequent to purchasing the remaining 133,055 shares available under the April 2015 plan.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The news release announcing the stock repurchase plan is attached as Exhibit 99.1 and incorporated by reference herein.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Item 9.01&#160;&#160;Financial Statements and Exhibits</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB1" style="MARGIN-LEFT: 12pt"></font>Exhibits</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following exhibit is being filed herewith and this list shall constitute the exhibit index</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">:</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">
<div align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">99.1&#160;&#160; News release regarding the stock repurchase program of Provident Financial Holdings, Inc. dated October 22, 2015.</font></div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<br>
<div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SIGNATURES</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="center">
<table bgcolor="white" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
<tr>
<td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Date:&#160;&#160;October 23, 2015</font></td>
<td width="50%">

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">PROVIDENT FINANCIAL HOLDINGS, INC.</font></font></div>
</td>
</tr><tr>
<td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="50%">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></div>

<div>&#160;</div>

<div>&#160;</div>
</td>
</tr><tr>
<td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="TEXT-DECORATION: underline">/s/ Donavon P. Ternes&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td>
</tr><tr>
<td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Donavon P. Ternes&#160;</font></td>
</tr><tr>
<td width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="50%">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">President, Chief Operating Officer and&#160; </font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Chief Financial Officer </font></font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Principal Financial and Accounting Officer)</font></font></div>
</td>
</tr></table>
</div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>prov8k102215exh991.htm
<DESCRIPTION>EXHIBIT 99.1 FOR FORM 8-K NEW STOCK REPURCHASE PLAN
<TEXT>
<html>
<head>
    <title>prov8k102215exh991.htm</title>
    <!--Licensed to: b&a-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold">Exhibit 99.1</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">
<div>&#160;</div>

<div align="center">
<table bgcolor="white" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
<tr>
<td valign="top" width="50%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;<img src="provident_logo.jpg" alt=""></font></td>
<td width="50%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;<img src="prov_logo.jpg" alt=""></font></td>
</tr><tr>
<td width="50%">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-WEIGHT: bold; DISPLAY: inline">3756 Central Avenue </font></font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Riverside, CA 92506 </font></font></font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(951) 686-6060</font></font></div>
</td>
<td width="50%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline"><font size="5">NEWS RELEASE</font></font></font></td>
</tr></table>
</div>

<div>&#160;</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">PROVIDENT FINANCIAL HOLDINGS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ANNOUNCES NEW STOCK REPURCHASE PLAN</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 2; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Riverside, Calif. &#8211; October 22, 2015 &#8211; Provident Financial Holdings, Inc. (&#8220;Company&#8221;), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company&#8217;s Board of Directors authorized the repurchase of up to five percent (5%) of the Company&#8217;s common stock, or approximately 421,633 shares.&#160;&#160;The Company will purchase the shares from time to time in the open market or through privately negotiated transactions over a one-year period depending on market conditions, the capital requirements of the Company, and available cash that can be allocated to the stock repurchase program, among other considerations.&#160;&#160;The October 2015 stock repurchase plan will become effective once the Company has completed the April 2015 stock repurchase plan, subsequent to purchasing the remaining 133,055 shares available under the April 2015 plan.</font></div>

<div style="DISPLAY: block; LINE-HEIGHT: 2; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: center; DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Safe-Harbor Statement</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">Certain matters in this News Release may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.&#160;&#160;These forward-looking statements may relate to, among others, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Company&#8217;s mission and vision. These forward-looking statements are based upon current management expectations, and may, therefore, involve risks and uncertainties. The Company&#8217;s actual results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward-looking statements as a result of a wide range of factors including, but not limited to, the general business environment, interest rates, the California real estate market, competitive conditions between banks and non-bank financial services providers, regulatory changes, and other risks detailed in the </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
 1 of 2</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">Company&#8217;s reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended June 30, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>&#160;</div>

<div align="center">
<table bgcolor="white" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
<tr>
<td width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Contacts:&#160;</font></td>
<td width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Craig G. Blunden&#160;</font></td>
<td width="54%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Donavon P. Ternes&#160;</font></td>
</tr><tr>
<td width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chairman and</font></td>
<td width="54%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">President, Chief Operating Officer,</font></td>
</tr><tr>
<td width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chief Executive Officer</font></td>
<td width="54%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">and Chief Financial Officer</font></td>
</tr></table>
</div>

<div>&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><br>
<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>

2 of 2<br>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>prov_logo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 prov_logo.jpg
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MY1?<A S?D#7U'\./BEX2^+WAJ+Q!X,\0Z?XDT>0[1=:?,) C8!*..J, 1E6
M(STKJ:CN+B*SMY9YY4@@B4O))(P544#)))X  [U\@_%C_@JO\ _A?J4VGVVL
MZAXVO825D7PO:K/"K9QCSI'CC8>Z,PKAO"__  6>^"NL7RV^JZ%XNT"-CC[5
M-9P3Q*/5O+F+_DIK[(^%?QD\$_&[PV->\"^);#Q+I>[8\MG)\T38SMDC(#QM
MCG:X!QVKLZ^0_&G_  5*^!OP_P#%^M^&=;NO$%KK&CWLUA>0_P!DN0DT3E'
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M,P _W/(8^ID/X\]_P2G^$;_%;]K;3=<OHVN=/\)V\NN7$DHW![C_ %< )/\
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M.^L?"OPYU&[_ +-U;0?">FV^E6AL[E6MYF9854RLB3.ZM(S$,H.<C->0:1\
M?'OBCXI:O\/?#WAG4/$'BC2[Z;3[JTL(&?RI(I&C<NW2-0RGYG( [FOU$_8A
M_8YL?V;YM9N?$>L/JWCZYAABU<Z*[2V/AZ-)HKB&V)'_ !\7LDT4&(U!(R,
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M6HQAXI$8,K ^;P00#^%>[?\ "V? _P#T.7A__P &D'_Q='_"V? __0Y>'_\
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M*Z3Q)_P3!^ GB/P_HFAC0-1TO2=(,TD%M8:G*N^679YLTC-N9W81QC)/ 10
M ,5V_P"S_P#L2_"C]FN;6I_"&B327&K+$EQ+JT_VM@L98JJ;A\HRY)QUP,]!
M76?&3]G'P!\=O =WX2\4Z#"^EW$D<V^R5;>>-T8,K)(HRIZ@^H8CO7BG@O\
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M))YK \*_\$OO@3X6\0:/JO\ 96L:O_94RSVUCJVJR7%IO7[NZ(\, <':>#@
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3HHHHHHHHHHHHHHHHHHHHHK__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>provident_logo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 provident_logo.jpg
M_]C_X  02D9)1@ ! @$ 8 !@  #_X@Q824-#7U!23T9)3$4  0$   Q(3&EN
M;P(0  !M;G1R4D="(%A96B 'S@ "  D !@ Q  !A8W-P35-&5     !)14,@
M<U)'0@                  ]M8  0    #3+4A0("
M                                             !%C<')T   !4
M #-D97-C   !A    &QW='!T   !\    !1B:W!T   "!    !1R6%E:   "
M&    !1G6%E:   "+    !1B6%E:   "0    !1D;6YD   "5    '!D;61D
M   "Q    (AV=65D   #3    (9V:65W   #U    "1L=6UI   #^    !1M
M96%S   $#    "1T96-H   $,     QR5%)#   $/   " QG5%)#   $/
M" QB5%)#   $/   " QT97AT     $-O<'ER:6=H=" H8RD@,3DY."!(97=L
M971T+5!A8VMA<F0@0V]M<&%N>0  9&5S8P         2<U)'0B!)14,V,3DV
M-BTR+C$              !)S4D="($E%0S8Q.38V+3(N,0
M                                                    6%E:(
M     /-1  $    !%LQ865H@                     %A96B        !O
MH@  ./4   .06%E:(        &*9  "WA0  &-I865H@        )*    ^$
M  "VSV1E<V,         %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M    %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M                                  !D97-C         "Y)14,@-C$Y
M-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M('-21T(
M     "Y)14,@-C$Y-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M
M('-21T(                             9&5S8P         L4F5F97)E
M;F-E(%9I97=I;F<@0V]N9&ET:6]N(&EN($E%0S8Q.38V+3(N,0
M    +%)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,V,3DV-BTR
M+C$                                  '9I97<      !.D_@ 47RX
M$,\4  /MS  $$PL  UR>     5A96B       $P)5@!0    5Q_G;65A<P
M       !                         H\    "<VEG(     !#4E0@8W5R
M=@        0     !0 *  \ %  9 !X (P H "T ,@ W #L 0 !% $H 3P!4
M %D 7@!C &@ ;0!R '< ? "! (8 BP"0 )4 F@"? *0 J0"N +( MP"\ ,$
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M])5?E<F6-):?EPJ7=9?@F$R8N)DDF9"9_)IHFM6;0INOG!R<B9SWG62=TIY
MGJZ?'9^+G_J@::#8H4>AMJ(FHI:C!J-VH^:D5J3'I3BEJ:8:IHNF_:=NI^"H
M4JC$J3>IJ:H<JH^K JMUJ^FL7*S0K42MN*XMKJ&O%J^+L "P=;#JL6"QUK)+
MLL*S.+.NM"6TG+43M8JV ;9YMO"W:+?@N%FXT;E*N<*Z.[JUNRZ[I[PAO)N]
M%;V/O@J^A+[_OWJ_]<!PP.S!9\'CPE_"V\-8P]3$4<3.Q4O%R,9&QL/'0<>_
MR#W(O,DZR;G*.,JWRS;+MLPUS+7--<VUSC;.ML\WS[C0.="ZT3S1OM(_TL'3
M1-/&U$G4R]5.U='65=;8UUS7X-ADV.C9;-GQVG;:^]N W 7<BMT0W9;>'-ZB
MWRG?K^ VX+WA1.',XE/BV^-CX^OD<^3\Y83F#>:6YQ_GJ>@RZ+SI1NG0ZEOJ
MY>MPZ_OLANT1[9SN*.ZT[T#OS/!8\.7Q<O'_\HSS&?.G]#3TPO50]=[V;?;[
M]XKX&?BH^3CYQ_I7^N?[=_P'_)C]*?VZ_DO^W/]M____[@ .061O8F4 9
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MQ\C)RM+3U-76U]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_:  P#   !$0(1 #\
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MEN?+65F6821A3M+;3US@'UZ]: -^EJ"U^U&$&\"+*2V1&25 R=HR<9..M34
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50 F**6B@ HHHH **** "BBB@#__9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
