<SEC-DOCUMENT>0000939057-22-000312.txt : 20221027
<SEC-HEADER>0000939057-22-000312.hdr.sgml : 20221027
<ACCEPTANCE-DATETIME>20221027150855
ACCESSION NUMBER:		0000939057-22-000312
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20221027
FILED AS OF DATE:		20221027
DATE AS OF CHANGE:		20221027

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:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		221336963

	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>DEF 14A
<SEQUENCE>1
<FILENAME>provproxy2022.htm
<TEXT>
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    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Washington, D.C. 20549</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">SCHEDULE 14A INFORMATION<br>
    </div>
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            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Proxy Statement Pursuant to Section 14(a) of the</div>
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-weight: bold;">Securities Exchange Act of 1934</font>&#160;<font style="font-weight: bold;">(Amendment No. __)</font></div>
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            <div style="line-height: 11.4pt;">Filed by the Registrant [X]<br>
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            <div style="line-height: 11.4pt;">Filed by a Party other than the Registrant [ &#160; ]<br>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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            <div style="line-height: 11.4pt;">Check the appropriate box:</div>
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          <td style="width: 3.85%; vertical-align: top;">[ &#160; ]</td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Preliminary Proxy Statement</div>
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        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[&#160;&#160; ]</td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 11.4pt;">[X]<br>
            </div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Definitive Proxy Statement</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[ &#160; ]</td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Definitive Additional Materials</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[ &#160; ]</td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Soliciting Material Under Rule 14a-12</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="line-height: 11.4pt; text-align: center;">PROVIDENT FINANCIAL HOLDINGS, INC.
              <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"><font style="line-height: 11.4pt;"> </font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;">(Name of Registrant as Specified In Its Charter)</div>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;
            <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></td>
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          <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
            <div style="line-height: 11.4pt;">Payment of Filing Fee (Check all boxes that apply):</div>
            <div style="line-height: 11.4pt;">[X]<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> </font>No fee required.</div>
            <div style="line-height: 11.4pt;">[&#160;&#160; ]<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> </font>Fee paid previously with preliminary materials</div>
            <div style="line-height: 11.4pt;">[&#160;&#160; ]<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> </font>Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules
              14a-6(i)(1) and 0-11.</div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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    <div style="line-height: 11.4pt; text-align: center;">October 27, 2022</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">Dear Shareholder:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">You are cordially invited to attend the Annual Meeting of Shareholders of Provident Financial Holdings, Inc. The meeting will be held on Tuesday, November 29, 2022, at 11:00
      a.m., local time.&#160; Our 2022 Annual Meeting of Shareholders will be a virtual meeting conducted solely online via live webcast.&#160; The meeting can be attended by visiting https://meetnow.global/MVVYCLN.&#160; To participate in the annual meeting, registered
      shareholders will need the control number included on their proxy card and all other shareholders will need to follow the instructions that accompanied their proxy materials.&#160; There is no physical location for the annual meeting.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Notice of Annual Meeting of Shareholders and Proxy Statement appearing on the following pages describe the formal business to be transacted at the meeting.&#160; During the
      meeting, we will also report on our operations.&#160; Directors and officers will be present to respond to appropriate questions from shareholders.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">It is important that your shares are represented at this meeting, whether or not you attend the meeting and regardless of the number of shares you own.&#160; <font style="font-weight: bold;">To make sure your shares are represented, we urge you to vote promptly.</font>&#160; You may vote your shares via the Internet or a toll-free telephone number, or by completing and mailing the enclosed proxy card.&#160; If you
      attend the virtual meeting, you may vote even if you have previously submitted your proxy.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We look forward to seeing you at the meeting.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" id="z598fa28572bb49378d7a5d5f4a9d8a6c">

          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">Sincerely,</td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>/s/ Craig G. Blunden </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>Craig G. Blunden <br>
              </div>
              <div>Chairman and Chief Executive Officer </div>
            </td>
          </tr>

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    <div style="text-align: justify; text-indent: 216pt; line-height: 11.4pt;"><br>
    </div>
    <div><br>
      <div><br>
      </div>
      <div><br>
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      <br>
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    <br>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS, INC.</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">3756 Central Avenue</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Riverside, California 92506</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">(951) 686-6060</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"> <br>
    </div>
    <div style="line-height: 10.25pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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    </div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">NOTICE OF ANNUAL MEETING OF SHAREHOLDERS</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">To Be Held On November 29, 2022</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"> </div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Notice is hereby given that the annual meeting of shareholders of Provident Financial Holdings, Inc. will be held on Tuesday, November&#160;29, 2022, at 11:00 a.m., local time, for
      the following purposes:</div>
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    </div>
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          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">Proposal 1.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Election of three directors to each serve for a term of three years;</div>
          </td>
        </tr>

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    </div>
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          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">Proposal 2.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Advisory approval of the compensation of our named executive officers as disclosed in this Proxy Statement;</div>
          </td>
        </tr>

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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
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          </td>
          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">Proposal 3.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Adoption of the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan; and</div>
          </td>
        </tr>

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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
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          </td>
          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">Proposal 4.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Ratification of the appointment of Deloitte &amp; Touche LLP as the independent registered public accounting firm for Provident Financial Holdings, Inc. for the fiscal year ending June&#160;30, 2023.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We will also consider and act upon such other matters as may properly come before the meeting or any adjournments or postponements thereof.&#160; As of the date of this notice, we are
      not aware of any other business to come before the meeting.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Our 2022 Annual Meeting of Shareholders will be a virtual meeting conducted solely online via live webcast.&#160; The meeting can be attended by visiting
      https://meetnow.global/MVVYCLN.&#160; To participate in the annual meeting, registered shareholders will need the control number included on their proxy card and all other shareholders will need to follow the instructions that accompanied their proxy
      materials.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting of Shareholders to Be Held on November 29, 2022.</font>&#160;
      Our Proxy Statement and Annual Report to Shareholders, are available at http://www.edocumentview.com/prov.&#160; The following materials are available for review:&#160; Proxy Statement; proxy card; and Annual Report to Shareholders.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Board of Directors has fixed the close of business on October 13, 2022 as the record date for the annual meeting.&#160; This means that shareholders of record at the close of
      business on that date are entitled to receive notice of, and to vote at, the meeting and any adjournment thereof.&#160; <font style="font-weight: bold;">To ensure that your shares are represented at the meeting, please take the time to vote by submitting
        your vote via the Internet or telephone, or by signing, dating and mailing the enclosed proxy card which is solicited by the Board of Directors.&#160; The proxy will not be used if you attend the virtual annual meeting and vote.&#160; Regardless of the
        number of shares you own, your vote is very important.&#160; Please act today.</font></div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="line-height: 10.25pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" id="z53de1c54e99d449c8337a70c77c1c60c">

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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>BY ORDER OF THE BOARD OF DIRECTORS <br>
              </div>
            </td>
          </tr>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>/s/ DONAVON P. TERNES </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>DONAVON P. TERNES <br>
              </div>
              <div><font style="font-style: italic;">Secretary</font> </div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div style="text-align: justify; line-height: 11.4pt;">Riverside, California</div>
    <div style="text-align: justify; line-height: 11.4pt;">October 27, 2022</div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">IMPORTANT: Voting promptly will save us the expense of further requests
      for proxies in order to ensure a quorum.&#160; You may vote via the Internet or by telephone.&#160; Alternatively, a proxy card and self-addressed envelope are enclosed for your convenience.&#160; No postage is required if mailed in the United States.
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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    </div>
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">PROXY STATEMENT</div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">OF</div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS, INC.</div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">3756 CENTRAL AVENUE</div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">RIVERSIDE, CALIFORNIA 92506</div>
    <div style="line-height: 11.4pt; font-weight: bold;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt; font-weight: bold;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">ANNUAL MEETING OF SHAREHOLDERS</div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">NOVEMBER 29, 2022
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Board of Directors of Provident Financial Holdings, Inc. is using this Proxy Statement to solicit proxies from our shareholders for use at the annual meeting of
      shareholders.&#160; We are first mailing this Proxy Statement and the enclosed form of proxy to our shareholders on or about October 27, 2022.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The information provided in this Proxy Statement relates to Provident Financial Holdings, Inc. and its wholly-owned subsidiary, Provident Savings Bank, F.S.B.&#160; Provident
      Financial Holdings, Inc. may also be referred to as &#8220;Provident&#8221; and Provident Savings Bank, F.S.B. may also be referred to as &#8220;Provident Savings Bank&#8221; or the &#8220;Bank.&#8221;&#160; References to &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to Provident and, as the context requires,
      Provident Savings Bank.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
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    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">INFORMATION ABOUT THE ANNUAL MEETING
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Our annual meeting will be held as follows:<br>
      <font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Date:</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Tuesday, November 29, 2022</div>
            </td>
          </tr>

      </table>
    </div>
    <table cellspacing="0" cellpadding="0" id="z95d15072e24e400f910dea562a679946" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Time:</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>11:00 a.m., local time</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zf27b17ac31e44dc19c7764fe9066696c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Place:</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Virtual meeting at https://meetnow.global/MVVYCLN</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Matters to Be Considered at the Annual Meeting</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">At the meeting, you will be asked to consider and vote upon the following proposals:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="z9c68f309156845ae8ebf429f52726b14" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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          </td>
          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Proposal 1.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Election of three directors to each serve for a term of three years.</div>
          </td>
        </tr>

    </table>
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    </div>
    <table cellspacing="0" cellpadding="0" id="z6e8c5fd60ab3478b81a350e8e8a6e133" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
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          </td>
          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Proposal 2.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Advisory approval of the compensation of our named executive officers as disclosed in this Proxy Statement.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zbe049cd5a0394aac988423c07f5cfe6b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Proposal 3.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Adoption of the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="ze632b2109de249b7970eae6a5d5fed91" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Proposal 4.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Ratification of the appointment of Deloitte &amp; Touche LLP as the independent registered public accounting firm for Provident Financial Holdings, Inc. for the fiscal year ending June&#160;30, 2023.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">We also will transact any other business that may properly come before the annual meeting.&#160; As of the date of this Proxy Statement, we are not aware of any other business to be presented for
      consideration at the annual meeting other than the matters described in this Proxy Statement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Who Is Entitled to Vote?</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We have fixed the close of business on October 13, 2022 as the record date for shareholders entitled to notice of and to vote at our annual meeting.&#160; Only holders of record of
      Provident&#8217;s common stock on that date are entitled to notice of and to vote at the annual meeting.&#160; You are entitled to one vote for each share of Provident common stock you own.&#160; On October 13, 2022, there were 7,223,518 shares of Provident common
      stock outstanding and entitled to vote at the annual meeting.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
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    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">How Do I Vote at the Annual Meeting?</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Proxies are solicited to provide all shareholders on the voting record date an opportunity to vote on matters scheduled for the annual meeting and described in these materials.&#160;
      This answer provides voting instructions for shareholders of record.&#160; You are a shareholder of record if your shares of Provident common stock are held in your name.&#160; If you are a beneficial owner of Provident common stock held by a broker, bank or
      other nominee, please see the instructions below, under &#8220;What if My Shares Are Held in Street Name?&#8221;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Shares of Provident common stock can only be voted if the shareholder is present virtually or by proxy at the annual meeting.&#160; <font style="font-weight: bold;">To ensure your
        representation at the annual meeting, we recommend you vote by proxy even if you plan to attend the virtual annual meeting.</font>&#160; You can always change your vote at the meeting if you are a shareholder of record by following the instructions on
      the proxy card.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Shareholders may vote by proxy via the Internet or a toll-free telephone number, or by mailing a proxy card. Voting instructions are included on your proxy card.&#160; Shares of
      Provident common stock represented by properly executed proxies will be voted by the individuals named on the proxy card in accordance with the shareholder&#8217;s instructions.&#160; Where properly executed proxies are returned to us with no specific
      instruction as how to vote at the annual meeting, the persons named in the proxy will vote the shares FOR the election of each of our director nominees, FOR advisory approval of the compensation of our named executive officers as disclosed in this
      Proxy Statement, FOR adoption of the 2022 Equity Incentive Plan and FOR the ratification of the appointment of the independent registered public accounting firm.&#160; If any other matters are properly presented at the annual meeting for action, the
      persons named in the enclosed proxy and acting thereunder will have the discretion to vote on these matters in accordance with their best judgment.&#160; We do not currently expect that any other matters will be properly presented for action at the annual
      meeting.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">You may receive more than one proxy card depending on how your shares are held.&#160; For example, you may hold some of your shares individually, some jointly with your spouse and
      some in trust for your children.&#160; In this case, you will receive three separate proxy cards to vote.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">What if My Shares Are Held in Street Name?</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">If you are the beneficial owner of shares held in street name by a broker, bank or other nominee, the nominee, as the record holder of the shares, is required to vote the shares
      in accordance with your instructions.&#160; If your common stock is held in street name, you will receive instructions from the nominee that you must follow in order to have your shares voted.&#160; The nominee may allow you to deliver your voting instructions
      via the telephone or the Internet.&#160; Please see the instruction form that accompanies this Proxy Statement.&#160; If you do not give instructions to the nominee, the nominee may nevertheless vote the shares with respect to discretionary items, but will not
      be permitted to vote your shares with respect to non-discretionary items, pursuant to current industry practice.&#160; In the case of non-discretionary items, shares not voted are treated as &#8220;broker non-votes.&#8221;&#160; The proposals to elect directors and adopt
      the 2022 Equity Incentive Plan and the advisory vote on executive compensation are considered non-discretionary items; therefore, you must provide instructions to the nominee in order to have your shares voted on these matters.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">If your shares are held in street name, you must register in advance to participate in the virtual annual meeting.&#160; To register to participate in the annual meeting, you must
      submit proof of your proxy power (legal proxy) reflecting your Provident holdings along with your name and email address to Computershare.&#160; Requests for registration must be labeled as &#8220;Legal Proxy&#8221; and be received no later than 5:00 p.m., Eastern
      Time, on November 23, 2022.&#160; Requests for registration by email may be made by forwarding the email from the nominee who holds yours shares, or attaching an image of your legal proxy and emailing it to legalproxy@computershare.com.&#160; Requests for
      registration by mail should be sent to Computershare, Provident Legal Proxy, P.O. Box 43001, Providence, RI 02940-3001.&#160; You will receive a confirmation of your registration by email after Computershare receives your registration materials.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">How Will My Shares of Common Stock Held in the Employee Stock Ownership Plan Be Voted?</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We maintain an employee stock ownership plan (&#8220;ESOP&#8221;) for the benefit of our employees.&#160; Each ESOP participant may instruct the ESOP trustee how to vote the shares of Provident
      common stock allocated to his or her </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;"> 2<br>
    </div>
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    </div>
    <div style="line-height: 11.4pt; text-align: justify;">account under the ESOP by completing the proxy card, which represents a voting instruction to the trustees.&#160; If an ESOP participant properly executes the proxy card, the ESOP trustee will vote the
      participant&#8217;s shares in accordance with the participant&#8217;s instructions.&#160; Unallocated shares of Provident common stock held by the ESOP and allocated shares for which no voting instructions are received will be voted by the trustee in the same
      proportion as shares for which the trustee has received voting instructions.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">How Many Shares Must Be Present to Hold the Meeting?</div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">A quorum must be present at the meeting for any business to be conducted.&#160; The presence at the meeting, virtually or by proxy, of at least a majority of the shares of Provident
      common stock entitled to vote at the annual meeting as of the record date will constitute a quorum.&#160; Proxies received but marked as abstentions or broker non-votes will be included in the calculation of the number of shares considered to be present
      at the meeting.</div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">What if a Quorum Is Not Present at the Meeting?</div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">If a quorum is not present at the scheduled time of the meeting, a majority of the shareholders present virtually or represented by proxy may adjourn the meeting until a quorum
      is present.&#160; The time and place of the adjourned meeting will be announced at the time the adjournment is taken, and no other notice will be given unless the meeting is adjourned for 30 days or more.&#160; An adjournment will have no effect on the
      business that may be conducted at the meeting.</div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Vote Required to Approve Proposal 1: Election of Directors</div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Directors are elected by a plurality of the votes cast at the annual meeting by holders of Provident common stock.&#160; Accordingly, the three nominees for election as directors who
      receive the highest number of votes actually cast will be elected.&#160; Pursuant to our Certificate of Incorporation, shareholders are not permitted to cumulate their votes for the election of directors.&#160; Votes may be cast for or withheld from each
      nominee.&#160; Votes that are withheld and broker non-votes will have no effect on the outcome of the election because the three nominees receiving the greatest number of votes will be elected.&#160; <font style="font-weight: bold;">Our Board of Directors
        unanimously recommends that you vote FOR the election of each of its director nominees.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Vote Required to Approve Proposal 2: Advisory Approval of Executive Compensation</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The advisory (non-binding) vote to approve the compensation of our named executive officers requires the affirmative vote of the majority of the votes cast at the annual meeting
      by holders of Provident common stock.&#160; Abstentions and broker non-votes do not constitute votes cast and therefore will have no effect on the approval of the proposal.&#160; <font style="font-weight: bold;">Our Board of Directors unanimously recommends
        that you vote FOR the adoption of an advisory resolution to approve the compensation of our named executive officers as disclosed in this Proxy Statement.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Vote Required to Approve Proposal 3: Adoption of the 2022 Equity Incentive Plan</div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Approval of the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan requires the affirmative vote of a majority of the votes cast, in person or by proxy, at the annual
      meeting by holders of Provident common stock.&#160; Any shareholder represented in person or by proxy at the meeting and entitled to vote on the subject matter may elect to abstain from voting on this proposal.&#160; If so, such abstention will not be counted
      as a vote cast on the proposal and, therefore, will have no effect on the outcome of the vote on the proposal.&#160; Provided there is a quorum of shareholders present in person or by proxy, shareholders not attending the meeting, in person or by proxy,
      will also have no effect on the outcome of this proposal.&#160; Broker non-votes do not constitute votes cast and will have no effect on the outcome of the proposal.&#160; <font style="font-weight: bold;">Our Board of Directors unanimously recommends that you
        vote FOR approval of the 2022 Equity Incentive Plan.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Vote Required to Approve Proposal 4: Ratification of Appointment of Independent Registered Public Accounting Firm</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      Ratification of the appointment of the independent registered public accounting firm requires the affirmative vote of a majority of the votes cast at the annual meeting by holders of Provident common stock.&#160; Abstentions and broker </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">3<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    non-votes do not constitute votes cast and therefore will have no effect on the approval of the proposal.&#160; <font style="font-weight: bold;">Our Board of Directors unanimously recommends that you vote FOR the ratification of the appointment of Deloitte
      &amp; Touche LLP as Provident&#8217;s independent registered public accounting firm for the fiscal year ending June&#160;30, 2023.</font>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">May I Revoke My Proxy?</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">You may revoke your proxy before it is voted by:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z83f734ae1e824cce860fba9f2522628e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">submitting a new proxy with a later date;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf6788e93f371475dba014a7f370e66fe" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">notifying the Secretary of Provident in writing before the annual meeting that you have revoked your proxy; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1ffc5cc4c11c42d29e06d62c49ddc2ac" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">voting at the annual meeting.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">If you plan to attend the virtual annual meeting and vote during the meeting, instructions for voting will be provided.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table sets forth, as of October 13, 2022, the voting record date, information regarding share ownership of:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf86f9d0a81e04998a28d73471681be03" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">those persons or entities (or groups of affiliated persons or entities) known by management to beneficially own more than five percent of Provident&#8217;s common stock;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcfd143a24f22456bba7c428ca8dc5b48" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">each director and director nominee of Provident;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za5cf3a2a7a1a441da541a47e96e64a6f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">each executive officer of Provident or Provident Savings Bank named in the Summary Compensation Table appearing under &#8220;Executive Compensation&#8221; below (known as &#8220;named executive officers&#8221;);
                and</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6b837cb3b8da471ca81aa3b88c3720a5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">all current directors and executive officers of Provident and Provident Savings Bank as a group.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Persons and groups who beneficially own in excess of five percent of Provident&#8217;s common stock are required to file with the Securities and Exchange Commission (&#8220;SEC&#8221;) reports
      disclosing their ownership pursuant to the Securities Exchange Act of 1934.&#160; To our knowledge, no other person or entity, other than those set forth below, beneficially owned more than five percent of the outstanding shares of Provident&#8217;s common
      stock as of the close of business on the voting record date.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Beneficial ownership is determined in accordance with the rules and regulations of the SEC.&#160; In accordance with Rule 13d-3 of the Securities Exchange Act, a person is deemed to
      be the beneficial owner of any shares of common stock if he or she has voting and/or investment power with respect to those shares.&#160; Therefore, the table below includes shares owned by spouses, other immediate family members in trust, shares held in
      retirement accounts or funds for the benefit of the named individuals, and other forms of ownership, over which shares the persons named in the table may possess voting and/or investment power.&#160; In addition, in computing the number of shares
      beneficially owned by a person and the percentage ownership of that person, shares of common stock subject to outstanding options that are currently exercisable or exercisable within 60 days after the voting record date are included in the number of
      shares beneficially owned by the person and are deemed outstanding for the purpose of calculating the person&#8217;s percentage ownership.&#160; These shares, however, are not deemed outstanding for the purpose of computing the percentage ownership of any other
      person.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">4<br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z3d06c29c6efe44998fdcb89e667f56b1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 61.54%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt;"><font style="line-height: 10.25pt;">&#160;</font></div>
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of Shares</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Beneficially Owned (1)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Percent of Shares</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Outstanding (%)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" rowspan="1" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" rowspan="1" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">
            <div style="line-height: 11.4pt; font-weight: bold;">Beneficial Owners of More Than 5%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="text-align: justify; line-height: 11.4pt;">Provident Savings Bank, F.S.B. Employee Stock Ownership Plan Trust (2)</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">680,694</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">9.42</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Dimensional Fund Advisors LP</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;539,422 (3)</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">7.47</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="line-height: 11.4pt;">M3 Funds, LLC</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;616,917 (4)</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">8.54</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Raffles Associates, L.P.</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;375,493 (5)</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">5.20</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" rowspan="1" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" rowspan="1" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt; font-weight: bold;">Directors</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Joseph P. Barr</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>&#160; &#160; &#160; 52,018&#160;&#160;&#160; <br>
            </div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Bruce W. Bennett</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;86,596 (6)</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1.19</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Judy A. Carpenter</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>&#160; 50,700</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Debbi H. Guthrie</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>&#160; 59,413</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Kathy M. Michalak</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>&#160; &#160; &#160; 1,000&#160; <br>
            </div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Roy H. Taylor</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>&#160; 89,404</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1.23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="line-height: 11.4pt;">William E. Thomas</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;133,241 (7)</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">1.84</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Named Executive Officers</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Craig G. Blunden**</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>269,977</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">3.72</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Donavon P. Ternes</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>&#160; &#160;&#160; 246,417 (8)</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">3.39</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">David S. Weiant</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 8pt;">&#160;</font>&#160; 38,946&#160; <br>
            </div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 61.54%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">All Executive Officers and Directors as a Group (12 persons)</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1,100,549&#160; <br>
            </div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">14.58</div>
          </td>
        </tr>

    </table>
    <div>_______________<br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zea573e0955be4c3f84ce08f8062c40db" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">*</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Less than one percent of shares outstanding.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">**</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Mr. Blunden is also a director of Provident.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(1)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Shares held in accounts under the ESOP, as to which the holders have voting power but not investment power, are included as follows: Mr. Blunden, 33,386 shares; Mr. Ternes, 15,936 shares;
              Mr. Weiant, 11,732 shares; and all executive officers as a group, 68,269 shares. The amounts shown also include the following number of shares which the indicated individuals have the right to acquire within 60 days of the close of business
              on the voting record date through the exercise of stock options granted pursuant to our stock option plans: Mr. Barr, Mr. Bennett, Ms. Guthrie, Mr. Taylor and Mr. Thomas, 27,500 shares each; Ms. Carpenter, 45,500 shares; Mr. Blunden, 43,000
              shares; Mr. Ternes, 40,000 shares; Mr. Weiant, 17,500 shares; and all executive officers and directors as a group, 323,500 shares.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(2)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">The address of the ESOP is 3756 Central Avenue, Riverside, California 92506.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(3)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Based solely on a Schedule 13G/A dated February 14, 2022, reporting sole voting power over 525,932 shares and sole dispositive power over 539,422 shares. The address of Dimensional Fund
              Advisors LP is 6300 Bee Cave Road, Building One, Austin, Texas 78746.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(4)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Based solely on a Schedule 13G dated February 10, 2022, reporting that M3 Funds, LLC, M3 Partners, LP, M3F, Inc., Jason&#160;A. Stock and William C. Waller have shared voting and dispositive
              power over the shares reported. The address of M3 Funds, LLC is 10 Exchange Place, Suite 510, Salt Lake City, Utah 84111.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(5)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Based solely on a Schedule 13G/A dated February 13, 2019, reporting sole voting and dispositive power over the shares reported. The address of Raffles Associates, L.P. is One Penn Plaza,
              Suite 1628, New York, New York 10119.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(6)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Includes 1,980 shares owned by Mr. Bennett&#8217;s spouse.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(7)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Includes 10,571 shares owned by the William E. Thomas, Inc. Profit Sharing Plan.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(8)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Includes 47,500 shares owned by Mr. Ternes&#8217; spouse.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">5<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">PROPOSAL 1 &#8211; ELECTION OF DIRECTORS
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Our Board of Directors currently consists of eight members and is divided into three classes.&#160; Approximately one-third of the directors are elected annually to serve for a
      three-year period or until their respective successors are elected and qualified.&#160; The Nominating Committee has nominated Bruce W. Bennett, Debbi H. Guthrie and Kathy M. Michalak for re-election to three-year terms.&#160; Joseph P. Barr will retire
      effective as of the annual meeting, at which time the Board will reduce its size from eight directors to seven directors.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The table below sets forth information regarding each director of Provident and each nominee for director.&#160; The Nominating Committee of the Board of Directors selects nominees
      for election as directors.&#160; Each of our nominees currently serves as a director of Provident and Provident Savings Bank.&#160; Each nominee has consented to being named in this Proxy Statement and has agreed to serve if elected.&#160; If a nominee is unable to
      stand for election, the Board of Directors may either reduce the number of directors to be elected or select a substitute nominee.&#160; If a substitute nominee is selected, the proxy holders will vote your shares for the substitute nominee, unless you
      have withheld authority.&#160; At this time, we are not aware of any reason why a nominee might be unable to serve if elected.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt; font-weight: bold;">The Board of Directors recommends a vote FOR the election of Bruce W. Bennett, Debbi&#160;H. Guthrie and Kathy M. Michalak.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="z632cc4502092479db15ea7165d6a4d98" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 31.18%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Age as of</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Year First Elected</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Term to</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">June 30, 2022</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Director (1)</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Expire</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1" colspan="7">
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">BOARD NOMINEES</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Bruce W. Bennett</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">73</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1993</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;2025 (2)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Debbi H. Guthrie</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">71</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">1994</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;2025 (2)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Kathy M. Michalak</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">67</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2021</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;2025 (2)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1" colspan="7">
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">DIRECTORS CONTINUING IN OFFICE</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Craig G. Blunden</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">74</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1975</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Roy H. Taylor</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">71</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">1990</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Judy A. Carpenter</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">65</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2012</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">
            <div style="line-height: 11.4pt;">William E. Thomas</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">73</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">1997</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">2024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 31.18%; vertical-align: top;">__________<br>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 21.7%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.21%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.91%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zeb2bb1c44c3d4e8ca718b17f6e494dca" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(1)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>For years prior to 1996, includes prior service on the Board of Directors of Provident Savings Bank.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z9689f615234747159cf2272e8b86e36b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(2)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Assuming reelection.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Set forth below is the principal occupation of each nominee for director and each director continuing in office, as well as a brief description of the qualifications, attributes,
      skills and areas of expertise of each nominee or director that makes the director uniquely qualified to serve on Provident&#8217;s Board of Directors.&#160;&#160; All nominees and directors have held their present positions for at least five years unless otherwise
      indicated.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-style: italic;">Bruce W. Bennett</font> provides consulting services to the healthcare industry primarily related to quality assurance, risk management,
      marketing and business development. Previously, he was the President and owner of Community Care and Rehabilitation Center, a skilled nursing facility, with which he had been associated since 1973, until he sold the company in 2010.&#160; He currently
      serves on the National Down Syndrome Congress, previously served on the Board of Directors of Riverside Community Hospital, and is Chairman Emeritus of Riverside Community Health Foundation.&#160; Mr. Bennett currently serves on our Personnel/Compensation
      Committee and Nominating and Corporate Governance Committee.&#160; Mr. Bennett brings entrepreneurial knowledge and business management experience to the Board through his experience owning and operating a business in the highly regulated health care
      industry.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-style: italic;">Debbi H. Guthrie</font> currently manages all accounting and property management for her family&#8217;s real estate holdings and developments in
      Arizona, California, Idaho and Utah.&#160; She retired in late 2016 from her position as Executive Vice President and Chief Communications Officer of Raincross Hospitality Corporation, a company contracted by the City of Riverside to manage and operate
      the Riverside Convention Center, Riverside Convention &amp;&#160; </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;">6</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 11.4pt; text-align: justify;"><br>
      Visitors Bureau and the Riverside Sports Commission.&#160; Prior to her position there, she was the President/Chief Financial Officer and Responsible Managing Officer of Roy O. Huffman Roof Company with which she was associated from 1971 until she sold
      the company in 2004.&#160; Ms. Guthrie continues to be actively involved in leadership positions in multiple community organizations in Inland Southern California.&#160; Ms. Guthrie serves on our Audit Committee and Nominating and Corporate Governance
      Committee.&#160; As an effective community leader, successful business owner and highly efficient manager, she has a broad range of experience that has resulted in her unique knowledge of the financial needs of businesses and homeowners in the markets and
      communities we serve.</div>
    <div style="line-height: 11.4pt; text-align: justify;">
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-indent: 36pt; line-height: 11.4pt;"><font style="font-style: italic;">Kathy M. Michalak</font> served as Executive Director of Habitat for Humanity Riverside, a non-profit that builds and repairs homes for those in need, from April
        2014 until her retirement on July 1, 2022.&#160; From June 2010 to April 2014, she was the Construction Supervisor for Habitat for Humanity Riverside.&#160; Prior to that, she worked for 35 years in the newspaper industry, holding positions in circulation,
        sales and marketing.&#160; Ms. Michalak is a member of the Board of Directors of Riverside Philharmonic and a member of the Board of Directors and Vice Chair of Marketing and Membership of the Greater Riverside Chambers of Commerce.&#160; She is also a
        member of the Grants Committee of the Community Foundation of Riverside and San Bernardino Counties and a member of Soroptimist International of Riverside, and previously served as the Commissioner of the Community Action Partnership of Riverside
        County.&#160; Ms. Michalak brings a unique perspective to Provident&#8217;s Board of Directors based on her knowledge of affordable housing in Provident&#8217;s market area, as well as her proven leadership skills and extensive community involvement.</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-indent: 36pt; line-height: 11.4pt;"><font style="font-style: italic;">Craig G. Blunden</font> has been associated with Provident Savings Bank since 1974, currently serving as Chairman and Chief Executive Officer of the Bank and
        Provident, positions he has held since 1991 and 1996, respectively.&#160; He served as President of the Bank from 1991 until June 2011 and as President of Provident from its formation in 1996 until June 2011.&#160; Mr. Blunden also serves on the Board of
        Directors of the Western Bankers Association.&#160; Mr. Blunden has gained invaluable banking expertise in all areas of banking from his years of service in the financial services industry.</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-indent: 36pt; line-height: 11.4pt;"><font style="font-style: italic;">Roy H. Taylor</font> is retired.&#160; Prior to his retirement in 2017, he served as President, West Region, Hub International Limited, and the Chief Executive Officer
        of Hub International of California, Inc. (&#8220;Hub International&#8221;), with which he had been associated since 2004.&#160; Prior to that, Mr. Taylor was President of Talbot Agency, Inc., an insurance brokerage firm, with which he had been associated since 1972
        and which was acquired by Hub International in 2004.&#160; Mr. Taylor currently serves as Chairman of our Personnel/Compensation Committee and serves on our Long Range Planning Committee and Nominating and Corporate Governance Committee.&#160; Mr. Taylor
        brings extensive knowledge of the financial services industry with a specialty in insurance and particular knowledge regarding strategic planning, risk management and mergers and acquisitions.</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-indent: 36pt; line-height: 11.4pt;"><font style="font-style: italic;">Judy A. Carpenter</font> is a healthcare consultant.&#160; She served as the President and Chief Operating Officer for Riverside Medical Clinic, the largest
        physician-owned medical group in the Inland Empire, from 1999 to 2022.&#160; Ms. Carpenter is a graduate of California State Polytechnic University-Pomona in Business Administration with a major in Accounting, and is a Certified Public Accountant
        (inactive).&#160; Ms. Carpenter has over 40 years of healthcare industry experience, beginning with her career in public accounting and with Riverside Medical Clinic.&#160; Active in the community, she is a member of the Monday Morning Group and the Greater
        Riverside Chambers of Commerce.&#160; In addition, she is Past Chairman for the Greater Riverside Chambers of Commerce.&#160; She currently serves on the boards for the Janet Goeske Foundation, Riverside University Health Foundation and Parkview Legacy
        Foundation.&#160; Ms. Carpenter currently serves on our Audit Committee and Nominating and Corporate Governance Committee.&#160; Ms. Carpenter is uniquely qualified to serve on our Board of Directors with extensive business knowledge, financial expertise and
        unparalleled familiarity with our local markets and communities.</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-indent: 36pt; line-height: 11.4pt;"><font style="font-style: italic;">William E. Thomas</font> is the Executive Vice President and General Counsel of The KPC Group (and its affiliates), which own and/or manage a diversified portfolio
        of hospitals, medical groups and healthcare management companies in Southern California.&#160; Prior to joining The KPC Group in 1998, Mr. Thomas was the founding and managing partner of a private law firm in Riverside, California.&#160; He currently serves
        as Chairman of our Long Range Planning Committee and Nominating and Corporate Governance Committee, and serves on our Personnel/Compensation Committee.&#160; As a practicing attorney, Mr. Thomas has advised boards of directors on corporate governance,
        mergers and acquisitions and regulatory matters, providing the Board with a unique understanding of a broad range of legal and regulatory responsibilities.</div>
    </div>
    <br>
    <div style="line-height: 11.4pt; text-align: center;">7<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Board Diversity</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">As part of its director nominee evaluation process, the Board considers diverse viewpoints, backgrounds and experiences, as well as gender, age, race and ethnicity, as important
      in the selection of directors to enhance the Board&#8217;s diversity.&#160; The table below presents a summary of the Board&#8217;s diversity statistics, as required by Nasdaq.&#160; Each of the categories listed in the table below has the meaning as it is used in Nasdaq
      Rule 5605(f).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="3" border="0" id="ze130b04a84bf4d21b99444ad7ecaa2c7" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 100%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="5">
            <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">Board Diversity Matrix (As of October 13, 2022)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">Total Number of Directors</div>
          </td>
          <td style="width: 53.85%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="4">
            <div style="text-align: center; line-height: 11.4pt;">8</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-weight: bold;">Part I: Gender Identity</div>
          </td>
          <td style="width: 13.46%; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">Female</div>
          </td>
          <td style="width: 13.46%; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">Male</div>
          </td>
          <td style="width: 13.46%; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">Non-binary</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">Did Not </div>
            <div style="text-align: center; line-height: 11.4pt;">Disclose </div>
            <div style="text-align: center; line-height: 11.4pt;">Gender</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">Directors</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">3</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">5</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-weight: bold;">Part II: Demographic Background</div>
          </td>
          <td style="width: 53.85%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="4">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">Hispanic or Latinx</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">1</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">White</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">3</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">4</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">Two or More Races or Ethnicities</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">1</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 13.46%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">LGBTQ+</div>
          </td>
          <td style="width: 53.85%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="4">
            <div style="text-align: center; line-height: 11.4pt;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">Did Not Disclose Demographic Background</div>
          </td>
          <td style="width: 53.85%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="4">
            <div style="text-align: center; line-height: 11.4pt;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;">Directors with Disabilities</div>
          </td>
          <td style="width: 53.85%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);" colspan="4">
            <div style="text-align: center; line-height: 11.4pt;">1</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 6.85pt;"><br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 6.85pt;"><br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 6.85pt;"><br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 6.85pt;"><br>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center;">8<br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">BOARD OF DIRECTORS&#8217; MEETINGS, BOARD COMMITTEES</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">AND CORPORATE GOVERNANCE MATTERS
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Board of Directors</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Boards of Directors of Provident and Provident Savings Bank conduct their business through board and committee meetings.&#160; During the fiscal year ended June 30, 2022, the
      Provident Board of Directors held 11 meetings and the Bank Board of Directors held 11 meetings.&#160; No director attended fewer than 91% of the total meetings of the boards and committees on which that person served during this period.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Committees and Committee Charters</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Provident&#8217;s Board of Directors has a standing Nominating and Corporate Governance Committee.&#160; The Boards of Directors of Provident and Provident Savings Bank have a joint Audit
      Committee and Personnel/Compensation Committee.&#160; All of these committees have adopted written charters, copies of which are available on our website at www.myprovident.com.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Audit Committee.</font>&#160; The Audit Committee, which currently consists of Directors Barr (Chairman), Carpenter and Guthrie, is responsible for
      reviewing the adequacy of our system of internal accounting controls, approving the services provided by our independent registered public accounting firm and meeting with the firm to discuss the results of the annual audit and any related matters.&#160;
      The Audit Committee has a charter which specifies its obligations and the Committee believes it has fulfilled its responsibilities under the charter.&#160; Each member of the Audit Committee is &#8220;independent,&#8221; in accordance with the requirements for
      companies listed on Nasdaq.&#160; The Audit Committee members do not have any relationship with us that may interfere with the exercise of their independence from management and Provident.&#160; None of the Audit Committee members are current officers or
      employees of Provident or its affiliates.&#160; Mr. Barr meets the definition of &#8220;audit committee financial expert,&#8221; as defined by the SEC.&#160; The Audit Committee met four times during the fiscal year ended June 30, 2022.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Nominating and Corporate Governance Committee.</font>&#160; The Nominating and Corporate Governance Committee, which currently consists of Directors
      Thomas (Chairman), Barr, Bennett, Carpenter, Guthrie and Taylor, selects the nominees for election as directors.&#160; The Committee also assists the Board in identifying individuals to become Board members and in developing and implementing corporation
      governance policies.&#160; Each member of the Committee is &#8220;independent,&#8221; in accordance with the requirements for companies listed on Nasdaq.&#160; The Nominating and Corporate Governance Committee met once during the fiscal year ended June 30, 2022.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Only those nominations made by the Nominating and Corporate Governance Committee or properly presented by shareholders will be voted upon at the annual meeting of shareholders.&#160;
      In its deliberations for selecting candidates for nominees as director, the Committee considers the candidate&#8217;s knowledge of the banking business; involvement in local community, business and civic affairs; record of accomplishment in his or her
      chosen field; depth and breadth of experience at an executive, policy-making level; personal and professional ethics, integrity and values; absence of real and perceived conflicts of interest; ability and willingness to devote sufficient time to
      become knowledgeable about Provident and to effectively carry out the duties and responsibilities of service; ability to attend all or almost all Board meetings in person; ability to develop a good working relationship with other Board members;
      ability to contribute to the Board&#8217;s working relationship with senior management; and whether the candidate would provide for adequate representation of Provident Savings Bank&#8217;s market area.&#160; Any nominee for director made by the Committee must be
      highly qualified with regard to some or all of these attributes.&#160; Finally, viewpoint, skill, education, values, race, gender, national origin and culture are considered to provide for diversity on our Board of Directors.&#160; These diversity factors are
      considered when the Nominating and Corporate Governance Committee and Board are seeking to fill a vacancy or new seat on the Board.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify;">In searching for qualified director candidates to fill vacancies on the Board, the Committee solicits its current Board of Directors for names of potentially qualified candidates.&#160; Additionally,
      the Committee may request that members of the Board of Directors pursue their own business contacts for the names of potentially qualified candidates.&#160; The Committee would then consider the potential pool of director candidates, select the candidate
      the Committee believes <br>
      <div><br>
      </div>
      <div style="text-align: center;">9<br>
      </div>
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      best meets the then-current needs of the Board, and conduct a thorough investigation of the proposed candidate&#8217;s background to ensure there is no past history that would cause the candidate not to be qualified to serve as a director of Provident.&#160;
      Although the Committee&#8217;s charter does not specifically provide for the consideration of shareholder nominees for directors, the Committee will consider director candidates recommended by our shareholders in accordance with Provident&#8217;s Certificate of
      Incorporation.&#160; Because the Certificate of Incorporation provides a process for shareholder nominations, the Committee does not feel it is necessary to provide for shareholder nominations of directors in a charter.&#160; If a shareholder submits a
      proposed nominee, the Committee will consider the proposed nominee, along with any other proposed nominees recommended by members of our Board of Directors, in the same manner in which the Committee will evaluate its nominees for director.&#160; For a
      description of the proper procedure for shareholder nominations, see &#8220;Shareholder Proposals&#8221; in this Proxy Statement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Personnel/Compensation Committee.</font>&#160; The Personnel/Compensation Committee, currently consisting of Directors Taylor (Chairman), Bennett and
      Thomas, is responsible for establishing and implementing all compensation policies of Provident, Provident Savings Bank and its subsidiaries and may delegate lower level policies and procedures to the Human Resource Department. The Committee is also
      responsible for evaluating the performance of the Chief Executive Officer of the Bank and approving an appropriate compensation level.&#160; The Chief Executive Officer evaluates the performance of all senior officers of the Bank and recommends to the
      Committee individual compensation levels for approval by the Committee.&#160; The Committee met four times during the fiscal year ended June 30, 2022.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Leadership Structure</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The positions of Chairman of the Board and Chief Executive Officer are held by the same person.&#160; The Board has determined that it is in the best interests of Provident not to
      have a policy regarding the separation of these roles, allowing the Board greater flexibility to establish a leadership structure that fits the needs of Provident at any particular point in time.&#160; The current structure makes the best use of the Chief
      Executive Officer&#8217;s extensive knowledge of our industry and of Provident, recognizes that he is best situated to lead discussions on important matters affecting the business of Provident and creates a firm link between the Board and management
      fostering effective communication.&#160; Additionally, Director Taylor serves as the lead independent director.&#160; In this capacity, he serves as liaison between independent directors and the full Board in discussing issues from the executive sessions of
      independent directors, ensuring the flow of information and working in unison with the Chairman and Chief Executive Officer.&#160; He is charged with leading the Board&#8217;s independent directors to engagement and consensus, making sure that independent
      consensus is heard and implemented regarding substantive business matters or governance issues.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In addition to having a lead independent director, the Board of Directors and the Audit and Personnel/ Compensation committees routinely meet in executive session without
      management.&#160; Executive sessions are held after each regularly scheduled meeting.&#160; Executive sessions of the Board are led by the lead independent director and executive&#160; sessions of committees are led by the committee chair.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Board Involvement in Risk Management Process</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We believe that effective risk management is of primary importance to the success of Provident.&#160; We have a comprehensive risk management process that monitors, evaluates and
      manages the risks we assume in conducting our activities.&#160; Our Board&#8217;s oversight of the risk management process is conducted through:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z947a0f8e08924b43ba208b8156ff1c4b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">the responsibilities of the Board&#8217;s standing committees;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf0a8358bb8db4cae9b1b88984d1aca8c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Board-approved policies and procedures that limit the risk exposure of certain business activities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf139aa2f77564bb69012c4377dfd671c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">periodic reports from management to ensure compliance with and evaluate the effectiveness of risk limits and controls;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4ae2c3b590244969aeaebebdaa8b7bac" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">employees who oversee day-to-day risk management duties, including the internal audit personnel who report directly to the Audit Committee, and Compliance Officer;</div>
            </td>
          </tr>

      </table>
      <div> <br>
      </div>
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">selecting, evaluating, and retaining competent senior management; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;">
      <div style="text-align: center;"><br>
        10</div>
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    <div> </div>
    <div>
      <div> <br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z3041bf6c326643acbedea0ddda04f94d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 0pt; line-height: 11.4pt;">approval of long and short-term business objectives and goals contained in the Board approved business plan.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Directors keep themselves informed of the activities and condition of Provident and of the risk environment in which it operates by regularly attending Board and assigned
      Committee meetings, and by review of meeting materials, auditor&#8217;s findings and recommendations, and regulatory communications.&#160; Directors stay abreast of general industry trends and statutory and regulatory developments by periodic briefings by
      senior management, counsel, auditors or other consultants, and by more formal director education.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Corporate Governance</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We are committed to establishing and maintaining high standards of corporate governance.&#160; The Board of Directors is cognizant of its responsibility to comply with the provisions
      contained in the Sarbanes-Oxley Act of 2002, the rules and regulations of the SEC adopted thereunder, and the rules of Nasdaq with respect to corporate governance.&#160; The Board and its committees will continue to evaluate and improve our corporate
      governance principles and policies as necessary and as required.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Governance Highlights.</font>&#160; Highlights of Provident&#8217;s corporate governance include the following:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7c1c9f45aa4e45cfaae3e36212451407" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Lead independent director and executive sessions of the Board and committees;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zab27c8cebcc746419c7f0b463ad7c574" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Shareholder engagement;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc3616c6f8e184cf09a43a234bf9a69a6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Stock ownership policy and retention guidelines</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6451f3f304174218b1b7e110b12fed4b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Restriction on hedging and pledging; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4d4293c9261c4c39b2e0af0e94181c1d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Clawback of incentive payments.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Director Independence.</font>&#160; Our common stock is listed on the Nasdaq Global Select Market.&#160; In accordance with Nasdaq requirements, at least a
      majority of our directors must be independent directors.&#160; The Board has determined that seven of our eight directors are independent, as defined by Nasdaq.&#160; Directors Barr, Bennett, Carpenter, Guthrie, Michalak, Taylor and Thomas are all
      independent.&#160; Only Craig Blunden, who is our Chairman and Chief Executive Officer, is not independent.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Code of Ethics.</font>&#160; On June 30, 1995, the Board of Directors initially adopted and approved a Code of Ethics.&#160; Subsequently, the Code of
      Ethics has been reviewed and approved by the Board of Directors each year, with the Board most recently having reviewed and approved the Code of Ethics on June 23, 2022.&#160; The Code is applicable to our employees, as well as the Board of Directors,
      Chief Executive Officer, Chief Financial Officer, Controller and senior management, and requires individuals to maintain the highest standards of professional conduct.&#160; A copy of the Code of Ethics is available on our website at www.myprovident.com.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Shareholder Communication with the Board of Directors.</font>&#160; The Board of Directors maintains a process for shareholders to communicate with
      the Board.&#160; Shareholders wishing to communicate with the Board of Directors may do so by mailing a letter marked &#8220;Confidential&#8221; to the Board of Directors, Provident Financial Holdings, Inc., 3756 Central Avenue, Riverside, California 92506.&#160; Any
      communication must state the number of shares beneficially owned by the shareholder initiating the communication.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Annual Meeting Attendance by Directors.</font>&#160; We do not have a policy regarding Board member attendance at the annual meetings of
      shareholders.&#160; All members of the Board of Directors attended the 2021 annual meeting of shareholders.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Certain Relationships and Related Transactions.</font>&#160; During the year ended June 30, 2022, neither Provident nor Provident Savings Bank
      participated in any transactions, or proposed transactions, in which the amount involved exceeded $120,000 and in which any related person had a direct or indirect material interest.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Shareholder Engagement.</font>&#160; Management and the Board of Directors believe that effective corporate governance should include communication
      with shareholders and responsiveness to shareholder concerns.&#160; In June 2022, we began our third shareholder engagement program, sending a corporate governance questionnaire to our largest </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">11<br style="line-height: 11.4pt;">
    </div>
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    <div style="line-height: 11.4pt; text-align: justify;">shareholders representing approximately 45% of Provident's outstanding shares at the time.&#160; We did not receive any responses from the shareholders contacted.&#160; We asked the following questions:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8c07a6f79b9543b1ad7017ab09399096" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Is there any information in our public filings we do not provide that would be helpful for your assessment of our company?</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfa584866674341639c08394b809f1734" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Do you have any concerns with Provident's alignment of company performance with executive pay?</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z721d3a0b1efb4243a60c813c2bc1a015" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Do you have any concerns with the calculation of severance payments for executive officers in connection with a change in control?</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z272722ea3c0749a69cc315b0dd97564a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">If there are concerns in response to Bullet Points 2 or 3, are there specific recommendations, strategies, or practices you would like to see considered?</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf35f2d41d1054f8a9e9a6e39e074b95b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Do our corporate governance practices meet your expectations?</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z66b3e112b1774e92ae30182ea7a0274b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Is our Board structure appropriate?</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd415acc1db0e487887e3b7f71d80b125" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">We believe we have implemented solid internal control and audit functions within the company.&#160; Do you have any concerns with our audit practices?</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfa383ba85bc9403fa4a32fc05e43adf4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">Do you have any other suggestions as it pertains to corporate governance or other practices that would be helpful to management or the Board?&#160; Your comments, suggestions and feedback will
                be shared with the Board of Directors.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">From time to time, management may meet with shareholders at investor conferences and field shareholder telephone calls and emails.&#160; Occasionally, corporate governance matters are
      discussed.&#160; During the past year, we had one shareholder inquire about the average age and tenure of directors requesting our thoughts.&#160; We pointed out that we have a mandatory retirement age of 75 for directors, ensuring new leadership.&#160; We also
      described our belief that continuity of leadership is important to implement long-term strategies and that long-term institutional knowledge, including during poor economic conditions such as recessions, provides experience when dealing with
      challenging banking conditions and adverse economic cycles.&#160; At another time, we were asked about our thoughts on stock repurchase activity and we responded that we believe cash dividends to shareholders and stock repurchase programs are essential
      capital management tools and we support the prudent use of each as a component of our capital management strategy.&#160; We have also been asked about our views regarding mergers and acquisitions and have responded that the members of the Board of
      Directors take their fiduciary duties seriously.&#160; The Board has established a long-term planning committee to consider such matters and at least annually host presentations from investment banking professionals describing the current and future
      operating environment which includes segments on mergers and acquisitions, fundamental drivers of creating shareholder value, the California banking landscape, and an assessment of the Provident franchise, among other topics.&#160; We have not been asked
      about executive compensation during any of these interactions and when we have asked for comments, shareholders have been generally supportive of executive compensation as disclosed in the proxy statement.&#160; One shareholder expressed a concern that
      our financial results may not support the payment of incentive compensation but was satisfied upon learning that annual incentive compensation has not been paid during the past three years due to established thresholds not being met.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Hedging and Pledging Policy.</font>&#160; Provident prohibits its directors and senior officers from purchasing financial instruments, or otherwise
      engaging in transactions, that hedge or offset, or are designed to hedge or offset, any decrease in the market value of Provident&#8217;s equity securities.&#160; Provident also prohibits its directors and senior financial officers from holding Provident
      securities in a margin account or pledging Provident securities as collateral for a loan.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">12<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Stock Ownership Policy and Retention Guidelines</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In 2021, we adopted stock ownership guidelines for our directors and senior officers to encourage them to build their ownership position in our common stock over time.&#160; The
      guidelines are framed in terms of stock value as a percentage of the base cash retainer or base salary.</div>
    <br>
    <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 252pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;"><u>Position</u></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman',Times,serif; text-align: center;"><u>Stock Value as a Percentage of the Base Cash Retainer or Base Salary</u><br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z38aa0f38a4c6486d9bb7c46201eba0be" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 252pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">Direrctor</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">300%</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z8483f67d214840ceb5716a954e8013e0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 252pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">Chief Executive Officer</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">300%</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z5e3d62f7bac34ae187888b075e46bd07" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 252pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">President</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">200%</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z26d3cc38eb454c8fbfaba5290c219136" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 252pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">Senior Officer<br>
          </td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">100%</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">For incumbent directors and senior officers, the closing price of Provident&#8217;s stock on June 30, 2021 and the person&#8217;s ownership position on that date will be used for the purposes of determining
      compliance with the stock ownership guidelines and to begin the five-year timeline to achieve compliance.&#160; As of June 30, 2022, all directors and senior officers were in compliance with the stock ownership guidelines.&#160; For new directors and senior
      officers, the date appointed to the Board of Directors, the employment date, or the promotion date will be used to establish the stock ownership threshold and begin the five-year timeline to achieve compliance with the stock ownership guidelines.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Under the stock ownership guidelines, once a director or senior officer attains his or her individual ownership level, he or she will remain in compliance with these guidelines
      despite future changes in the stock price, base cash retainer, or base salary, as long as his or her holdings do not decline below the recommended number of shares at the time the stock ownership guidelines were met.&#160; Shares counted toward the
      guidelines include those held by the executive directly or through a broker, shares held in the Employee Stock Ownership Plan, in-the-money unexercised exercisable stock options, and unvested restricted stock.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We have adopted stock retention guidelines for our directors and senior officers.&#160; Each director or executive is required to retain 50% of the net shares (after payment of the
      applicable exercise price (if any), fees, and taxes) acquired upon the exercise of stock options or vesting of restricted stock.&#160; The director or executive is required to hold such shares until the date that he or she satisfies our stock ownership
      guidelines; shares may not be sold if they would cause the director or executive officer to not meet the stock retention guidelines.&#160; Exceptions may apply for donations of stock to charities, educational institutions or family foundations and for
      sales or divisions of property in the case of divorce, disability or death.&#160; Waivers may be granted in exceptional circumstances.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">13</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">DIRECTORS&#8217; COMPENSATION
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table shows the compensation paid to our directors for the fiscal year ended June&#160;30, 2022, with the exception of Craig G. Blunden, who is our Chairman and Chief
      Executive Officer, and whose compensation is included in the section entitled &#8220;Executive Compensation.&#8221;&#160; Directors did not receive non-equity incentive compensation or nonqualified deferred compensation earnings, nor do they have pensions; therefore,
      these columns have been omitted from the table below.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="zf4c76626315245438ee2b5584999a298" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 24%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Fees Earned </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">or Paid in </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Cash ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Stock Awards </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)(1)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Option </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Awards ($)(1)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">All Other </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Compensation </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)(2)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Total ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Joseph P. Barr</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">38,500</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">8,326</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">46,826</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">Bruce W. Bennett</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">37,600</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;348</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">37,948</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Judy A. Carpenter</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">38,000</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">38,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">Debbi H. Guthrie</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">38,000</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">8,847</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">46,847</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Kathy M. Michalak</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">24,000</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">16,700 (3)</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">29,960 (4)</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">70,660</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">Roy H. Taylor</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">38,400</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">8,562</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">46,962</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">William E. Thomas</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">37,300</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">37,300</div>
          </td>
        </tr>
        <tr>
          <td style="width: 24%; vertical-align: bottom;" rowspan="1">___________ <br>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 15%; vertical-align: bottom;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom;" rowspan="1">&#160;</td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 4.58%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(1)</div>
          </td>
          <td style="width: 95.42%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Represents the aggregate grant date fair value of awards, computed in accordance with Financial Accounting Standards Board Accounting Standards Codification Topic 718, &#8220;Compensation &#8211;
              Stock Compensation.&#8221; For a discussion of valuation assumptions, see Note 11 of the Notes to Consolidated Financial Statements in Provident&#8217;s Annual Report on Form 10-K for the year ended June 30, 2022.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.58%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(2)</div>
          </td>
          <td style="width: 95.42%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Comprised of Provident&#8217;s cost for each director&#8217;s participation in certain group life, health and disability insurance, and medical reimbursement plans that are generally available to
              salaried employees and do not discriminate in scope, terms or operation.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.58%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(3)</div>
          </td>
          <td style="width: 95.42%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Consists of an award of 1,000 shares of Provident&#8217;s common stock made on December 16, 2021, which vested immediately.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.58%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(4)</div>
          </td>
          <td style="width: 95.42%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Consists of an award of options to purchase 14,000 shares of Provident&#8217;s common stock, granted on December 16, 2021. The award has a cliff vesting schedule, with 50% vesting on December
              16, 2023 and 50% vesting on December 16, 2025.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Non-employee directors of Provident currently receive a monthly retainer of $3,000, a fee of $400 for each committee meeting attended and a fee of $1,000 for each special board
      meeting attended.&#160; The committee chairman receives a fee of $500 per committee meeting attended.&#160; In addition, directors are covered under the Bank&#8217;s policies for medical, dental and vision care.&#160; Dependent coverage is available at the directors&#8217; own
      expense.&#160; Following retirement from the Board of Directors, Director Taylor will continue to receive this coverage as he was grandfathered into prior benefit practices.&#160; Remaining directors are ineligible for coverage subsequent to retirement.&#160; No
      separate fees are paid for service on Provident Savings Bank&#8217;s Board of Directors.&#160; Employee directors receive no separate compensation for their services.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">EXECUTIVE COMPENSATION
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Compensation Discussion and Analysis</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Personnel/Compensation Committee.</font>&#160; The Personnel/Compensation Committee of the Provident and Provident Savings Bank Boards of Directors is
      responsible for establishing and implementing all compensation policies of Provident, Provident Savings Bank and its subsidiaries.&#160; The Committee is also responsible for evaluating the performance of the Chief Executive Officer and approving an
      appropriate compensation level.&#160; The Chief Executive Officer evaluates the performance of all senior officers and recommends to the Committee individual compensation levels for approval by the Committee.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Objectives and Overview of the Compensation Program.</font>&#160; The Personnel/Compensation Committee believes that a compensation program for
      executive officers should take into account management skills, long-term performance results and shareholder returns.&#160; The principles underlying our compensation policies are:</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">14<br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4aab2d38ad41467c877a8de7d968c170" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 0pt; line-height: 11.4pt;">to attract and retain key executives who are highly qualified and are vital to the long-term success of Provident and its subsidiaries;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z25101f39dc704236a3409c65234e4a2c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">to provide levels of compensation competitive with those offered throughout the banking industry;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze10bd7dca07c4902a566aa0ab11eed3c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">to align the interests of executives with shareholders by having a significant portion of total compensation based on meeting defined performance measures;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"> <br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc8c51a04534f4d19b40ad1c47f2b72e8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">to motivate executives to enhance long-term shareholder value by helping them build their own ownership in Provident; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zad244df1d11f4094a60fef61ee2a2817" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">to integrate the compensation program with the Bank&#8217;s long-term strategic planning and management process.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Committee considers a variety of subjective and objective factors in determining the compensation package for individual executives including: (1) the performance of
      Provident and Provident Savings Bank on a consolidated basis with emphasis on annual performance factors and long-term objectives; (2) the responsibilities assigned to each executive; and (3) the performance of each executive of assigned
      responsibilities as measured by the progress of Provident and Provident Savings Bank during the year.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Compensation Consultant.</font>&#160; The Personnel/Compensation Committee has the authority to retain compensation advisers.&#160; Although the Committee
      has not retained a compensation consultant in recent years, it engaged a firm to assist it with matters related to the adoption of the 2022 Equity Incentive Plan.&#160; The Committee asked the firm to review the draft plan and description of the plan
      included in this Proxy Statement, and provide relevant market data and analysis to help evaluate the draft plan within the context of industry practices.&#160; The firm was retained by, and reported directly to, the Personnel/Compensation Committee, and
      provides no other services to Provident.&#160; Prior to engaging the firm, the Committee assessed its independence as required by Nasdaq rules and concluded that the firm is independent.&#160; The Committee reviewed and considered information provided to it by
      the firm and based on its review and such factors as it deemed relevant, the Committee concluded that the information it received is objective and did not raise any conflicts of interest.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Compensation Program Elements.</font>&#160; The Personnel/Compensation Committee focuses primarily on the following three components in forming the
      total compensation package for our executive officers:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zba150259b8394c8f8ea5fb0b1772a2e1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">base salary;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z54b106b286904eea9474c1b8980da66f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">annual incentive compensation; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z880150238ef14c088bb463579de9afe5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">long-term equity-based compensation.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">The current compensation program involves a combination of salary, at-risk incentives to reward short-term performance, and stock option and restricted stock awards to reward long-term
      performance.&#160; The Personnel/Compensation Committee monitors the allocation of compensation between long-term and currently paid items on an ongoing basis, with the goal of ensuring that the allocation is competitive in the banking industry.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold; font-style: italic;">Base Salary.</font>&#160; Base salary is intended to reward the executive&#8217;s ongoing performance and is based on the executive&#8217;s
      level of responsibility, individual ability, experience, and past and potential performance.&#160; The salary levels of our executive officers are designed to be competitive with those of executives at similarly-sized banking institutions in our
      geographic area which have similar operations and performance.&#160; Individual annual performance is reviewed by the Personnel/Compensation Committee or the Chief Executive Officer, as appropriate, to determine annual salary adjustments.&#160; An executive
      may receive a material increase in salary upon taking on materially larger duties and responsibilities.&#160; Compensation information is obtained by reviewing proxy statements and various compensation surveys including the S&amp;P Global Market
      Intelligence Compensation data, the American Bankers Association Compensation Survey Report, the Western Bankers Association Survey and the Employers Group Survey, among others.&#160; From these sources, the Personnel/Compensation Committee and the Chief
      Executive Officer create a compensation framework and set executive officer compensation based on the range of base salaries and bonuses paid, and equity awards granted, by peer companies.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;"> 15<br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <br>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold; font-style: italic;">Annual Incentive Compensation.</font><font style="font-style: italic;">&#160; </font>Incentive compensation is intended to reward
      short-term performance goals, keeping compensation aligned with goals that typically improve shareholder returns.&#160; The annual incentive plan is based on Provident&#8217;s annual performance compared to the business plan and individual performance
      requirements.&#160; Each year, management prepares and the Board of Directors approves a one-year and three-year business plan, which establish strategic goals and objectives for Provident and each division of Provident.&#160; Each executive is responsible for
      his or her specific goals and the objectives outlined in the business plan, which is monitored through the use of individual action plans.&#160; Executives are graded each year on their successful completion of the action plans.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The annual incentive plan is designed to provide for a baseline bonus up to 50% of salary for the Chief Executive Officer, up to 50% of salary for the Chief Financial Officer, up
      to 25% of salary for senior officers, up to 12% of salary for certain managers (other than department managers) and up to 8% of salary for certain department managers.&#160; Actual bonuses may exceed the baseline if Provident performs better than the
      business plan and/or the individual employee performs better than the individual performance requirements.&#160; The business plan outlines a number of performance goals such as net income, return on assets, return on equity, efficiency ratio and diluted
      earnings per share, among others.&#160; Individual performance requirements are project related and consistent with the duties and responsibilities of the particular employee.&#160; The Personnel/Compensation Committee may use its discretion to modify a
      particular award or an individual&#8217;s performance requirements, although it has not typically done so.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">For the year ended June 30, 2022, the named executive officers had the following performance goals:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="z69286e047a344cc7a79e6247b6c803fa" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 27.27%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Target</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Maximum</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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        <tr>
          <td style="width: 27.27%; vertical-align: top;">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Net income</div>
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          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$8,146,000</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$10,182,000</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$15,274,000</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$9,093,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top;">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Return on average assets</div>
          </td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">0.69%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">0.86%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1.29%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">0.76%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top;">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Return on average equity</div>
          </td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">6.45%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">8.06%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">12.10%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">7.14%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top;">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Efficiency ratio</div>
          </td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">72.64%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">67.75%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">58.00%</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">71.37%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top;">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 27.27%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Diluted earnings per share</div>
          </td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$1.09</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$1.36</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$2.04</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$1.22</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" id="z0f5e6f9116294165aa4a700507ff8335">

          <tr>
            <td style="width: 5%; text-align: left; vertical-align: top;" rowspan="1" colspan="2">____________&#160; <br>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; text-align: left; vertical-align: top;">
              <div>(1) <br>
              </div>
            </td>
            <td style="width: 95%;">The Employee Retention Tax credit of $1,199,000 recorded in fiscal 2022 was eliminated from the incentive plan calculation. As a result, performance goals were not met and bonuses were not paid to executive officers.</td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Under the annual incentive plan, bonuses are calculated as a percentage of base salary.&#160; For the fiscal year ended June 30, 2022, participation levels for the named executive
      officers expressed as a percentage of base salary at July&#160;1, 2021 at each performance level were as follows:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="margin-left: 9pt">
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z622b163a95d247249a55df91f757d085" style="width: 75%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

          <tr>
            <td style="width: 32%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 22.22%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Threshold (%)</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Target (%)</div>
              <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
            </td>
            <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Maximum (%)</div>
              <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 32%; vertical-align: top;">&#160;</td>
            <td style="width: 22.22%; vertical-align: top;">&#160;</td>
            <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top;">&#160;</td>
            <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="line-height: 11.4pt;">Craig G. Blunden</div>
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            <td style="width: 22.22%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; line-height: 11.4pt;">20.0</div>
            </td>
            <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; line-height: 11.4pt;">50.0</div>
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            <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; line-height: 11.4pt;">93.8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 32%; vertical-align: top;">
              <div style="line-height: 11.4pt;">Donavon P. Ternes</div>
            </td>
            <td style="width: 22.22%; vertical-align: top;">
              <div style="text-align: center; line-height: 11.4pt;">20.0</div>
            </td>
            <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top;">
              <div style="text-align: center; line-height: 11.4pt;">50.0</div>
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            <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top;">
              <div style="text-align: center; line-height: 11.4pt;">93.8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="line-height: 11.4pt;">David S. Weiant</div>
            </td>
            <td style="width: 22.22%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; line-height: 11.4pt;">10.0</div>
            </td>
            <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; line-height: 11.4pt;">25.0</div>
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            <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 22.22%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; line-height: 11.4pt;">46.9</div>
            </td>
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      </table>
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    <div style="text-align: justify; line-height: 11.4pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> <br>
      </font></div>
    <div style="text-align: justify;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>We adopted a clawback policy which reserves the right of the Board to modify any incentive
      compensation agreement before the final bonus amount is determined.&#160; Additionally, we may seek to recover incentive compensation paid if any of the following are discovered: (1) unreasonable risk-taking by the employee, (2) risk-taking by the
      employee not specifically approved by the Chief Executive Officer or the Board, (c) actions or omissions by the employee in conflict with our policies and procedures, or (d) in the event our financial statements are subject to restatement due to
      misconduct, to the extent permitted by governing law.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold; font-style: italic;">Equity-based Compensation.</font><font style="font-style: italic;">&#160; </font>Equity-based compensation is intended to attract and retain qualified
      personnel and nonemployee directors, to provide these persons with a proprietary interest in Provident as an incentive to contribute to our success and to reward personnel for outstanding performance.&#160; Equity-based compensation functions as a long- </div>
    <div style="text-align: justify;"> <br>
    </div>
  </div>
  <div> <br>
    <div style="line-height: 0.1pt; text-align: center;">16<br style="line-height: 0.1pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 11.4pt; text-align: justify;">term incentive because awards are generally made with a multiple-year vesting schedule.&#160; Awards are made either in the form of stock options or restricted stock.&#160; Currently, we have in place the
      the 2006 Equity Incentive Plan, the 2010 Equity Incentive Plan and the 2013 Equity Incentive Plan, each of which was approved by our shareholders at the time of adoption. Currently, there are only 28,750 shares available for future awards under the
      2013 Equity Incentive Plan.&#160; Proposal 3 to this proxy statement asks shareholders to adopt the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan, which would provide for the issuance of 375,000 shares of common stock.&#160; It is our
      expectation that we will continue to use awards to attract and retain the executives and employees who are critical to our continued success.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The equity-based plans are administered and interpreted by the Personnel/Compensation Committee of the Provident Savings Bank Board of Directors.&#160; Under the plans, the Committee
      determines which officers and key employees will receive awards, the number of shares subject to each option or shares of restricted stock awarded, and the vesting of the awards.&#160; The per share exercise price of an option will equal at least 100% of
      the fair market value of a share of common stock on the date the option is granted.&#160; Awards are made at the discretion of the Committee and approved by the Board of Directors.&#160; In addition, newly hired employees may receive awards at the time of
      their employment.&#160; In determining whether to make option or restricted stock awards, the Personnel/Compensation Committee may take into account historical awards and then-current competitive conditions.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Personnel/Compensation Committee Report</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Personnel/Compensation Committee of the Boards of Directors of Provident and Provident Savings Bank has submitted the following report for inclusion in this Proxy Statement:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We have reviewed and discussed the Compensation Discussion and Analysis contained in this Proxy Statement with management.&#160; Based on the Committee&#8217;s review of and the discussion
      with management with respect to the Compensation Discussion and Analysis, we recommended to the Board of Directors that the Compensation Discussion and Analysis be included in this Proxy Statement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The foregoing report is provided by the following directors, who constitute the Personnel/Compensation Committee:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">Personnel/Compensation Committee:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Roy H. Taylor, Chairman</div>
    <div style="text-align: justify; text-indent: 252pt; line-height: 11.4pt;">Bruce W. Bennett</div>
    <div style="text-align: justify; text-indent: 252pt; line-height: 11.4pt;">William E. Thomas</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-style: italic;">This report shall not be deemed to be incorporated by reference by any general statement incorporating by reference this Proxy Statement into any filing under the Securities Act
      of 1933 or the Securities Exchange Act of 1934, and shall not otherwise be deemed filed under such acts.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Compensation Policies and Risk</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Personnel/Compensation Committee strives to develop compensation policies and practices that discourage excessive risk-taking, that focus our executives and employees on
      creating long-term sustainable value for our shareholders, and that provide appropriate levels of realized compensation over time.&#160; The Personnel/Compensation Committee believes that our compensation policies and practices should provide a blend of
      cash and equity, and short-term and longer-term incentives.&#160; In addition, the Personnel/Compensation Committee, with the assistance of the Chief Executive Officer, establishes goals and objectives that require a combination of individual, business
      unit and company-wide performance measures consistent with effective controls and sound risk management.&#160; The Personnel/Compensation Committee reports periodically to the Board of Directors, seeks Board approval of certain significant compensation
      policies and practices, and monitors changing market conditions that may influence the competitive landscape for attracting and retaining qualified executive management.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">17<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Summary Compensation Table</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table shows information regarding compensation earned by our named executive officers, who are: (1) Craig G. Blunden, our principal executive officer; and (2)
      Donavon P. Ternes and David S. Weiant, our two next most highly compensated executive officers.</div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
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          <td style="width: 19%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt;"><font style="line-height: 10.25pt;">&#160;</font></div>
            <div style="line-height: 10.25pt; font-style: italic;">Name and</div>
            <div style="line-height: 10.25pt; font-style: italic;">Principal Position</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
            <div style="line-height: 10.25pt;"><font style="line-height: 10.25pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Year</div>
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          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Salary </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Stock </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Awards </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Option</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Awards</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Incentive <br>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Plan </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Compensa-<br>
              tion ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Value and </div>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Compensa-</div>
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            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Compensa-</div>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)(1)(2)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Craig G. Blunden</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2022</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">529,783</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">(3)</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">31,855</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">561,638</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Chairman and Chief</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2021</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">519,778</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1,230</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">32,472</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">553,477</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">&#160;&#160;Executive Officer</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Donavon P. Ternes</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2022</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">373,782</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">(3)</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">33,725</div>
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          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">407,507</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">President, Chief Operating</div>
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          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2021</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">362,869</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">158,632</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">33,519</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">555,020</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">&#160;&#160;Officer, Chief Financial</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">&#160;&#160;Officer and Secretary</div>
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          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 19%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom;">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">David S. Weiant</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2022</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">265,960</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">34,135</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">300,095</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Senior Vice President -</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">2021</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">258,735</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">31,828</div>
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          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">290,563</div>
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        <tr>
          <td style="width: 19%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">&#160;&#160;Chief Lending Officer</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.71%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.59%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 0.98%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
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          </td>
        </tr>

    </table>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zd838a3d5fade4307b201611499a43f26" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(1)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Please see the table below for more information on the other compensation paid to our named executive officers in the year ended June&#160;30, 2022.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(2)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Provident Savings Bank may provide certain non-cash perquisites and personal benefits to the named executive officers that do not exceed $10,000 in the aggregate for any individual that
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          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(3)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">The value of Mr. Blunden&#8217;s and Mr. Ternes&#8217; post retirement compensation agreement decreased by $129,047 and $25,268, respectively, in fiscal 2022.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">All Other Compensation.</font>&#160; The following table sets forth details of &#8220;All Other Compensation,&#8221; as presented above in the Summary
      Compensation Table.</div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="z33f7942d856c44c8baf449ca748aa94b" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 28%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">401(k) Matching</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Contribution ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">ESOP</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Contribution ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Personal Use of&#160; </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Company Car/ </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Car Allowance ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Tax</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Preparation ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Craig G. Blunden</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">8,600</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">19,037</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">3,468</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">750</div>
          </td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Donavon P. Ternes</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">8,952</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">19,037</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">5,736</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">David S. Weiant</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">7,948</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">17,187</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">9,000</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;--</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Employment Agreement.</font>&#160; Provident Savings Bank entered into an employment agreement with Mr. Blunden in December 2005 that was extended for
      one year on July 22, 2021.&#160; The agreement has a term of three years and may be renewed by the Board for an additional year each year unless the Bank or Mr. Blunden has given written notice of their intention not to extend the term of the agreement at
      least 90 days prior to the anniversary date.&#160; Mr. Blunden&#8217;s current base salary under the agreement is $541,200<font style="font-weight: bold;">&#160;</font>and is subject to annual review and approval by the Board.&#160; Mr. Blunden may also receive
      performance-based or discretionary bonuses, as authorized by the Board.&#160; Under the agreement, Mr. Blunden is eligible to participate in all benefit programs to the same extent as employees of the Bank as well as any program made available to senior
      executives of the Bank, including the use of an employer-provided automobile.&#160; The agreement also provides for the reimbursement of expenses incurred by Mr. Blunden in the course of his employment. The agreement provides that compensation may be paid
      in the event of disability, death, involuntary termination or a change in control, as described below under &#8220;Potential Payments Upon Termination.&#8221;</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">18<br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Severance Agreements.</font>&#160; We extended the existing change in control severance agreements with Mr. Ternes and Mr. Weiant effective as of
      March 1, 2022.&#160; The agreements have a term of one year, which may be extended for an additional year on the anniversary of the effective date of the agreement by the Board of Directors.&#160; The agreements provide for compensation in the event of an
      involuntary termination, other than for cause, within 12 months following a change in control of Provident or Provident Savings Bank, as described under &#8220;Potential Payments Upon Termination.&#8221;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Clawback Provision.</font>&#160; Mr. Blunden&#8217;s employment agreement and the severance agreements with Mr. Ternes and Mr. Weiant provide for the
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Grants of Plan-Based Awards</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table shows information regarding grants of plan-based awards made to our named executive officers for the fiscal year ended June 30, 2022.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
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          <td style="width: 20%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="2">
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="2">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1" colspan="5">
            <div style="font-style: italic;">Estimated Possible Payouts Under<br>
            </div>
            <div><font style="font-style: italic;">Non-Equity Incentive Plan Awards (1)</font><br>
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          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="2">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="2">
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">(#)(2)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="2">&#160;</td>
          <td style="width: 11.37%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="2">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">All Other </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Option </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Awards: </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Securities </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Underlying </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Options </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">(#)(3)</div>
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          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="2">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="2">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Exercise or </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Base Price </div>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Awards </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($/Sh)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="2">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="2">
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            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Threshold </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-style: italic;">Target <br>
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            <div><font style="font-style: italic;">($)</font></div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div><font style="font-style: italic;">Maximum </font></div>
            <div><font style="font-style: italic;">($)</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; text-align: center;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 11.37%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Craig G. Blunden</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">106,040</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; text-align: center; background-color: rgb(204, 238, 255);" colspan="1">265,100</td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">497,063<br>
            </div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Donavon P. Ternes</div>
          </td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;74,848</div>
          </td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; text-align: center;" colspan="1">187,120 <br>
          </td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">350,850<br>
            </div>
          </td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11.37%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">David S. Weiant</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;26,520</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; text-align: center; background-color: rgb(204, 238, 255);" colspan="1">&#160; 66,300 <br>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">124,313<br>
            </div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 0.98%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>

    </table>
    <div>___________<br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zc7044434a0f846a3b0164f38576c2e8e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top;">(1)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Amounts represent the possible payouts under our annual incentive plan. No payouts were made for the fiscal year ended June&#160;30, 2022.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z2b3a1595e6fd4da0bb44ab80ae88bffd" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top;">(2)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>No stock awards were granted for the fiscal year ended June 30, 2022.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z161127d5fa95403a9418d904b71aa362" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top;">(3)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>No option awards were granted for the fiscal year ended June 30, 2022.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Outstanding Equity Awards</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following information with respect to outstanding equity awards as of June 30, 2022 is presented for the named executive officers.</div>
    <div style="line-height: 11.4pt;"></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 20%; vertical-align: bottom; padding-bottom: 2px;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; padding-bottom: 2px;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
          <td style="vertical-align: bottom; font-style: italic; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="7">Option Awards (1)</td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
          <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="3">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Stock Awards (1)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Grant</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Date</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of </div>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Underlying</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Unexercised</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Options (#)</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Exercisable</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of </div>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Underlying</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Unexercised </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Options (#)</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Unexercisable</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Option </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Exercise </div>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Option </div>
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            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Date</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Shares or </div>
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        <tr>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
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          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">09/30/14</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">09/30/24</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
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          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">05/30/19</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 20%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
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          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">09/30/14</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">14.59</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">09/30/24</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">05/30/19</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">222,450</div>
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        </tr>
        <tr>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">David S. Weiant</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">09/30/14</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">17,500</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">14.59</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">09/30/24</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">05/30/19</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;6,750</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">100,103</div>
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        <tr>
          <td style="width: 20%; vertical-align: top;">___________ <br>
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          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 8.65%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 12%; vertical-align: top;">&#160;</td>
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            <div>Awards have a cliff vesting schedule of four years, with 50% vesting two years from the grant date and 50% vesting four years from the grant date.</div>
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            <div>Based on the closing market price of $14.83 per share of Provident&#8217;s common stock on June 30, 2022.</div>
          </td>
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    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;"> <br>
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;"><font style="font-weight: normal;"> <br>
      </font></div>
    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;"> <font style="font-weight: normal;">19</font><br>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table shows the value realized upon exercise of stock options and vesting of stock awards for our named executive officers in the fiscal year ended June 30, 2022.</div>
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          <td style="width: 17%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of Shares</div>
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          <td style="width: 15.48%; vertical-align: bottom;">
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        <tr>
          <td style="width: 28.57%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Acquired on</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Realized on</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Acquired on</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Realized on</div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Exercise (#)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Exercise ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Vesting (#)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Vesting ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Craig G. Blunden</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Donavon P. Ternes</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">David S. Weiant</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15.48%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Pension Benefits</div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following information is presented with respect to the nature and value of pension benefits for the named executive officers at June 30, 2022.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="zec4ede5ad581485e87f4325d196632d3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 20.19%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Name</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 37%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Plan Name</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 12.5%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Years </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Credited</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Service (#)</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14.42%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Present Value </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">of Accumulated</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Benefit ($)</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 13.46%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Payments</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">During Last</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Fiscal Year ($)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.19%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 37%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 12.5%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14.42%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 13.46%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Craig G. Blunden</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 37%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Post-Retirement Compensation Agreement</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12.5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">(1)</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14.42%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">3,142,788</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 13.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.19%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Donavon P. Ternes</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 37%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">Post-Retirement Compensation Agreement</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 12.5%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">(1)</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14.42%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">3,689,059</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 13.46%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">David S. Weiant</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 37%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 12.5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14.42%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 13.46%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.19%; vertical-align: top;">___________ <br>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 37%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 12.5%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 14.42%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 13.46%; vertical-align: bottom;">&#160;</td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(1)</div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Number of years of credited service is not relevant. Benefit is calculated based on whether the executive has reached age 62 at the time of retirement, or how many months remain until his
              62<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">nd</sup> birthday.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Provident Savings Bank has entered into post-retirement compensation agreements with Messrs. Blunden and Ternes.&#160; The agreements provide that if the executive terminates
      employment with the Bank after attaining age 62, the Bank will provide the executive with a monthly benefit for life equal to 50% of his final average monthly salary.&#160; The agreement also provides for early retirement benefits and payments in the
      event of the executive&#8217;s death or disability.&#160; These payments are described below under &#8220;Potential Payments Upon Termination.&#8221;</div>
    <div style="line-height: 11.4pt; text-align: justify;">
      <div><br>
      </div>
      <div>
        <div style="line-height: 11.4pt; font-weight: bold;">Potential Payments Upon Termination</div>
        <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
        </div>
        <div style="text-indent: 36pt; line-height: 11.4pt;">We have entered into agreements with the named executive officers that provide for potential payments upon disability, termination, retirement and death.&#160; In addition, our equity plans also
          provide for potential payments upon termination.&#160; The following table shows, as of June 30, 2022, the value of potential payments and benefits following a termination of employment under a variety of scenarios.</div>
      </div>
      <br>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center;"> <br>
      </div>
      <div style="text-align: center;"> <br>
      </div>
      <div style="text-align: center;">20<br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <br>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <br>
    <table cellspacing="0" cellpadding="0" border="0" id="z6ed863cc9ba04a849f97238c0fd6e61a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 29%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Death ($)</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Disability </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Involuntary Termination </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Change in </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Control ($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Early </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Retirement </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Normal </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Retirement </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">($)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top;">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;"><u>Craig G. Blunden</u></div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Employment Agreement (1)</div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">215,863</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">1,096,701</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">2,330,977</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">215,863</div>
          </td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Post-Retirement Compensation</div>
            <div style="line-height: 11.4pt;">&#160;&#160;Agreement (2)</div>
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          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">22,292</div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">22,292</div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">22,292</div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">22,292</div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">22,292</div>
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        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Equity Plans (3)</div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">222,450</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">222,450</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">222,450</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top;">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;"><u>Donavon P. Ternes</u></div>
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          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Severance Agreement (1)</div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">799,244</div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">799,244</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Post-Retirement Compensation</div>
            <div style="line-height: 11.4pt;">&#160;&#160;Agreement (2)</div>
          </td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">15,407</div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">15,407</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">15,407</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">15,407</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">15,407</div>
          </td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Equity Plans (3)</div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">222,450</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">222,450</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">222,450</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top;">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;"><u>David S. Weiant</u></div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Severance Agreement (1)</div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">572,684</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">572,684</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Equity Plans (3)</div>
          </td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">100,103</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">100,103</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">100,103</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">--</div>
          </td>
        </tr>

    </table>
    <div>___________<br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="z5d401dce1fd84f21b2a7a5bdc91d0c99" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(1)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Includes cash severance and the estimated value of continued insurance benefits. Does not reflect the impact of any deferrals in the payment of the cash severance to preserve the deductibility of such severance under Section 162(m) of the
              Internal Revenue Code, with interest equal to 8% per annum to be paid on the amounts deferred as described below. The payments and benefits to Mr. Blunden in the event of a change in control will be reduced by the minimum amount necessary so
              that they do not trigger the 20% excise tax imposed by Sections 280G and 4999 of the Internal Revenue Code. Any required reduction is not reflected in the above table.&#160; If the timing of the change in control permitted tax planning to be done,
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          </td>
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          <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(2)</td>
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            <div>Represents the monthly benefit to the executive or his spouse for life. The lifetime benefits will be discounted to present value and paid in a lump sum.</div>
          </td>
        </tr>

    </table>
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          <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(3)</td>
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            <div>Represents the value of unvested restricted stock awards held by the executive based on the June 30, 2022 closing price of $14.83 per share.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Employment Agreement.</font>&#160; Mr. Blunden&#8217;s employment agreement provides for potential payments in the event of his disability, death or
      termination.&#160; If Mr. Blunden becomes entitled to benefits under the terms of the then-current disability plan, if any, of Provident Savings Bank or becomes otherwise unable to fulfill his duties under his employment agreement, he shall be entitled to
      receive such group and other disability benefits as are then provided by the Bank for executive employees.&#160; In the event of his disability, the employment agreement will not be suspended, except that payments of salary and bonus will be discontinued
      for as long as Mr. Blunden is disabled.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In the event of Mr. Blunden&#8217;s death or disability while employed under the employment agreement and prior to any termination of employment, the Bank shall pay to him or his
      estate, or such person as he may have previously designated, the salary which was not previously paid to him and which he would have earned if he had continued to be employed under the agreement through the last day of the calendar month in which he
      died or become disabled, together with the benefits provided under the employment agreement through that date.</div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In the event of Mr. Blunden&#8217;s death or disability, or in the event of his normal retirement, the Bank shall continue to provide the following benefits to him or his estate, as
      applicable: (1) the Bank shall continue in force, without cost to Mr. Blunden, those life and accidental death and dismemberment insurance coverages being provided by the Bank to Mr. Blunden and his spouse and his eligible dependents as of the date
      of such termination; (2) the Bank shall continue to provide to Mr. Blunden and his eligible dependents life and medical insurance coverage equivalent in benefits, duration and terms to that provided to him and such persons as of the date of such
      termination; and (3) the Bank shall continue to reimburse Mr. Blunden for the expenses outlined in Section 4(c) of his employment agreement, which includes club dues.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The employment agreement also provides for benefits in the event of Mr. Blunden&#8217;s involuntary termination.&#160; If Mr. Blunden&#8217;s employment is terminated for any reason other than
      cause, death, permanent disability, retirement or change in control, or Mr. Blunden terminates his own employment because of a material diminution of or interference </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;"> 21<br>
    </div>
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    <div style="line-height: 11.4pt; text-align: justify;">with his duties, responsibilities or benefits, he is entitled to payment and benefits.&#160; Specifically, the Bank must make a lump sum payment equal to the discounted present value of the aggregate
      future base salary payments Mr. Blunden would have received over the then remaining term of the agreement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">If Mr. Blunden&#8217;s employment is terminated within 12 months following a change in control of Provident, or he terminates his own employment within 12 months following a change in
      control for any of the reasons listed in the previous paragraph, the Bank must pay him a lump sum equal to 299% of his base amount (as defined in Section 280G of the Internal Revenue Code) and must provide during the remaining term of the employment
      agreement substantially the same group life insurance, hospitalization, medical, dental, prescription drug and other health benefits, and long-term disability insurance (if any) for the benefit of Mr. Blunden and his dependents and beneficiaries who
      would have been eligible for such benefits if he had not suffered involuntary termination.&#160; However, if the value of the lump sum and benefits described in the preceding sentence exceeds the amount that could be paid without violating Section 280G
      (pertaining to golden parachute payments), taking into account other payments due Mr. Blunden in connection with a change in control and other amounts counted against the Section 280G limit, then the value of such lump sum and benefits may be reduced
      so that Section 280G is not violated.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Mr. Blunden&#8217;s employment agreement provides that if Mr. Blunden&#8217;s aggregate compensation from the Bank exceeds the maximum amount of compensation deductible by the Bank in any
      calendar year under Section 162(m) of the Internal Revenue Code (the &#8220;maximum allowable amount&#8221;), then any such amount in excess of the maximum allowable amount will be deferred with interest on the deferred amount at 8% annually to a calendar year
      such that the amount to be paid to Mr. Blunden in that year does not exceed the maximum allowable amount.&#160; Deferred amounts, including interest, will be paid at the earliest time permissible.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Severance Agreements.</font>&#160; We extended the existing change in control severance agreements with Mr. Ternes and Mr. Weiant effective as of
      March 1, 2022.&#160; The agreements have a term of one year, which may be extended for an additional year on the anniversary of the effective date of the agreement by the Board of Directors.&#160; If the employment of the executive is involuntarily terminated,
      other than for cause, within 12 months following a change in control of Provident or Provident Savings Bank, or the executive terminates his or her own employment within 12 months following a change in control because of any demotion, loss of title,
      office or significant authority, reduction in the executive&#8217;s annual compensation or benefits, or relocation of the executive&#8217;s principal place of employment more than 35 miles from the pre-change in control location, the executive would be entitled
      to payment and benefits. The agreements provide that the Bank must pay a lump sum payment equal to two times the executive&#8217;s then current base salary and a lump sum payment equal to two times the largest annual bonus paid to the executive during the
      two years prior to termination of employment. The Bank or its successor also would be obligated to continue the executive&#8217;s life, medical, dental and disability coverage for a two-year period following termination of employment.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Post-Retirement Compensation Agreement.</font> Provident Savings Bank entered into a post-retirement compensation agreement with Mr. Blunden,
      which was amended on December 15, 2005, and a post-retirement compensation agreement with Mr. Ternes as of July 7, 2009.&#160; The agreements provide that if Mr. Blunden and Mr. Ternes terminate employment with the Bank after having attained age 62 (which
      both have attained), or on account of death, disability or involuntary termination, the Bank will pay the executive a lump sum amount equal in value to a stream of payments, payable over the executive&#8217;s life, the annual amount of which is 50% of the
      executive&#8217;s final average monthly salary (reduced in the case of disability by amounts received by the executive from any long-term disability policies maintained by the Bank).&#160; For purposes of the agreements, &#8220;final average monthly salary&#8221; is
      defined as the average of the executive&#8217;s highest paid 36 months of employment with the Bank determined by reference to the average gross amount of his basic monthly salary (before tax withholding and other payroll deductions), excluding bonus or
      incentive awards, director fees, if any, and accelerated payments of future salary.&#160; The value of this lump sum benefit is calculated using National Association of Insurance Commissioners standard mortality tables as of such date, and a discount rate
      equal to the lesser of the then-current prime rate or the Freddie Mac Enterprise 11<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> District COFI Replacement Index &#8211; Consumer Products (Single-Family).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Equity Plans.</font>&#160; Our 2006 Equity Incentive Plan and 2010 Equity Incentive Plan provide for accelerated vesting of awards in the event of a
      change in control.&#160; If a change in control occurs prior to the vesting of an award, the vesting date will be accelerated to the effective date of the change in control.&#160; The 2013 Stock Option Plan provides for accelerated vesting of awards in the
      event of a change in control and involuntary termination of the award recipient </div>
    <div style="line-height: 11.4pt; text-align: justify;"><br>
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;">22</div>
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    <div style="line-height: 11.4pt; text-align: justify;"><br>
      within 12 months of the change in control.&#160; The 2006 Equity Incentive Plan, the 2010 Equity Incentive Plan and the 2013 Equity Incentive Plan also provide that if an award recipient&#8217;s employment terminates due to death or disability prior to the
      vesting of an award, the vesting date will be accelerated to the date of termination of service.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Compensation Committee Interlocks and Insider Participation</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The members of the Personnel/Compensation Committee are Directors Taylor, Bennett and Thomas.&#160; No members of the Committee were officers or employees of Provident or any of its
      subsidiaries during the year ended June&#160;30, 2022, nor were they formerly Provident officers or had any relationships otherwise requiring disclosure.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">PROPOSAL 2 &#8211; ADVISORY VOTE ON EXECUTIVE COMPENSATION
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (&#8220;Dodd-Frank Act&#8221;), we are required to include in this Proxy Statement and present at the meeting a
      non-binding shareholder resolution to approve the compensation of our named executive officers, as disclosed in this Proxy Statement pursuant to the compensation disclosure rules of the SEC.&#160; This proposal, commonly known as a &#8220;say-on-pay&#8221; proposal,
      gives shareholders the opportunity to endorse or not endorse the compensation of Provident&#8217;s executives as disclosed in this Proxy Statement.&#160; The proposal will be presented at the annual meeting in the form of the following resolution:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt; line-height: 11.4pt;">RESOLVED, that the shareholders approve the compensation of Provident&#8217;s named executive officers, as disclosed in the Compensation Discussion and Analysis,
      the compensation tables and related material in Provident&#8217;s Proxy Statement for the 2022 annual meeting of shareholders.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">This vote will not be binding on our Board of Directors or Personnel/Compensation Committee and may not be construed as overruling a decision by the Board or create or imply any
      additional fiduciary duty on the Board.&#160; It will also not affect any compensation paid or awarded to any executive.&#160; The Personnel/Compensation Committee and the Board may, however, take into account the outcome of the vote when considering future
      executive compensation arrangements.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The purpose of our compensation policies is to attract and retain key executives who are highly qualified and vital to our long-term success, while aligning the interests of
      executives with shareholders.&#160; As discussed in the Compensation Discussion and Analysis, the Personnel/Compensation Committee of the Board of Directors believes that the executive compensation for 2022 is reasonable and appropriate and is justified
      by Provident&#8217;s performance in a highly competitive environment. In considering how to vote on this proposal, the Board requests that you consider the following factors:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z90d031dc29034575916a2f773eb6b237" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The Bank must offer competitive compensation packages to attract and retain well-qualified executives who are critical to Provident&#8217;s long-term success.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9db9c508676a493eaa813289b9e66df7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The compensation program entails a balanced approach that considers the short-term and long-term interests of shareholders and safe and sound banking practices.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze53df4eb07f840a182cabe5515267d30" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The compensation program does not encourage excessive and unnecessary risks that would threaten the value of Provident.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt; font-weight: bold;">The Board of Directors recommends that you vote FOR approval of the compensation of our named executive officers as disclosed in this Proxy Statement.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt; font-weight: bold;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-weight: bold; text-align: justify;"><br>
      <div style="text-align: center;"><font style="font-weight: normal;">23</font><br>
      </div>
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      <br>
    </div>
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    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">PROPOSAL 3 &#8211; APPROVAL OF 2022 EQUITY INCENTIVE PLAN
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    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Overview</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">On September 22, 2022, our Board of Directors unanimously adopted, subject to shareholder approval, the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan.&#160; The
      purpose of the plan is to reward performance and build the participants&#8217; equity interest in Provident by providing long-term incentives and rewards to directors, key employees and other persons who provide services to us and who contribute to our
      success by their innovation, ability, industry, loyalty and exceptional service.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">We strongly believe that the approval of the 2022 Equity Incentive Plan is essential to our continued success. The Personnel/Compensation Committee, the Board and management
      believe that equity awards motivate high levels of performance, align the interests of our personnel and shareholders by giving directors and employees the perspective of an owner with an equity stake in Provident, and effectively recognize director
      and employee contributions to Provident&#8217;s success.&#160; The Committee, Board and management further believe that equity awards are a competitive necessity in our industry, allowing us to recruit and retain the highly qualified officers and other key
      personnel who help Provident meet its goals, and reward and encourage current directors and employees.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following summary is a brief description of the material features of the 2022 Equity Incentive Plan.&#160; This summary is qualified in its entirety by reference to the plan, a
      copy of which is attached to this Proxy Statement as Appendix A.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Summary</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Administration.</font>&#160; The 2022 Equity Incentive Plan will be administered by a committee appointed by the Board of Directors, which will
      consist of at least two members, each of whom will be a non-employee director and an independent director, as those terms are defined in the plan.&#160; The Provident and Provident Savings Bank Personnel/Compensation Committee will administer the plan.&#160;
      Among other things, the Committee will (1) interpret the plan, (2) adopt rules for the administration of the plan, (3) select persons to receive awards from among the eligible participants and (4) determine the types of awards and the number of
      shares to be awarded to participants.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Awards.&#160; </font>The 2022 Equity Incentive Plan provides for the grant of incentive stock options, within the meaning of Section 422 of the
      Internal Revenue Code of 1986, non-qualified stock options, which do not satisfy the requirements for treatment as incentive stock options, and awards of restricted stock, denominated in shares or share units.&#160; Subject to adjustments described below
      under &#8220;&#8211;Adjustments in the Event of Business Reorganization,&#8221; Provident has reserved 375,000 shares of its common stock for issuance under the plan in connection with the exercise of awards, which represents 5.2% of Provident&#8217;s common stock
      outstanding on the voting record date.&#160; The fair market value of these shares is $5,381,250, based on the closing price of Provident&#8217;s common stock as of the close of business on the voting record date.&#160; Only shares actually issued to participants or
      retained or surrendered to satisfy tax withholding obligations for awards under the plan count against this total number of shares available under the plan.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Under the 2022 Equity Incentive Plan, the Committee may grant stock options that, upon exercise, result in the issuance of 175,000 shares of our common stock.&#160; This amount
      represents 2.4% of Provident&#8217;s total issued and outstanding shares on the voting record date.&#160; The plan also provides that during any calendar year, the maximum aggregate number of shares with respect to which stock options may be granted to any one
      individual is 35,000.&#160; In addition, the plan provides that the maximum aggregate number of shares with respect to which incentive stock options may be granted is 175,000.&#160; The Committee may grant restricted stock for an aggregate of 200,000 shares of
      our common stock, which represents 2.8% of Provident&#8217;s total issued and outstanding shares on the voting record date.&#160; The plan also provides that during any calendar year, the maximum aggregate number of shares of restricted stock which may be
      granted to any one individual is 30,000.&#160; Each of the maximum amounts described in this paragraph is subject to adjustments described below under &#8220;&#8211;Adjustments in the Event of Business Reorganization.&#8221;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The 2022 Equity Incentive Plan provides for the use of treasury shares and authorized but unissued shares to fund awards.&#160; Treasury shares are previously issued shares of
      Provident&#8217;s common stock that are no longer outstanding </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;"> 24<br>
    </div>
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    <div style="line-height: 11.4pt; text-align: justify;">as a result of having been repurchased or otherwise reacquired by Provident.&#160; It is intended that the restricted stock awards under the plan will be funded with treasury shares and the stock option
      awards will be funded with authorized but unissued shares.&#160; The awards will have the effect of diluting the holdings of persons who own our common stock.&#160; Assuming all awards under the plan are awarded and exercised through the use of treasury shares
      and authorized but unissued common stock, current shareholders would be diluted by approximately 5.2% based on the number of shares outstanding as of the close of business on the voting record date.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Eligibility to Receive Awards.</font>&#160; The Committee may grant awards under the 2022 Equity Incentive Plan to directors, advisory directors,
      directors emeriti, officers and employees of Provident and its affiliates.&#160; However, incentive stock options may only be awarded to employees.&#160; The Committee will select persons to receive awards among the eligible participants and determine the
      number of shares for each award granted.&#160; Currently, there are approximately 30 individuals who are eligible to receive awards under the plan, consisting of seven directors and 23 employees.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Terms and Conditions of Stock Options.</font>&#160; The Committee may grant stock options to purchase shares of our common stock at a price that is
      not less than the fair market value of the common stock on the date the option is granted. The fair market value is the closing sales price on the grant date as quoted on Nasdaq.&#160; Stock options may not be exercised later than 10 years after the grant
      date.&#160; Subject to the limitations imposed by the provisions of the Internal Revenue Code, certain of the options granted under the 2022 Equity Incentive Plan to officers and employees may be designated as &#8220;incentive stock options.&#8221;&#160; Options that are
      not designated and do not otherwise qualify as incentive stock options are referred to as &#8220;non-qualified stock options.&#8221;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Committee will determine the time or times at which a stock option may be exercised in whole or in part and the method or methods by which, and the forms in which, payment of
      the exercise price with respect to the stock option may be made.&#160; Unless otherwise determined by the Committee and set forth in the written award agreement evidencing the grant of the stock option, upon termination of service of the participant for
      any reason other than for cause, all stock options then currently exercisable by the participant shall remain exercisable for one year for terminations due to death, disability or retirement (termination of employment after attaining age 59&#189;), and
      for three months for other terminations or until the expiration of the stock option by its terms if sooner.&#160; Upon any termination of service for cause, all stock options not previously exercised shall immediately be forfeited.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Prohibition Against Option Repricing and Purchase of Underwater Options.</font>&#160; Except as provided under &#8220;&#8211;Adjustments in the Event of Business
      Reorganization&#8221; below, neither the Committee nor the Board may amend or modify the exercise price of a stock option or cancel the stock option at a time when the exercise price is greater than the fair market value of Provident&#8217;s common stock in
      exchange for another award.&#160; In addition, neither Provident nor any affiliate may purchase from any option holder any option where the exercise price of the option exceeds the fair market value of the underlying share (i.e., an &#8220;underwater option&#8221;).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Terms and Conditions of Restricted Stock Awards.</font>&#160; The Committee is authorized to grant restricted stock, which are shares of Provident
      common stock that are subject to a substantial risk of forfeiture and limits on transfer until the shares vest.&#160; The Committee will establish a restricted period, subject to acceleration as described below under &#8220;&#8211;Acceleration of Vesting,&#8221; during
      which, or at the expiration of which, the restricted stock awards vest and shares of common stock awarded shall no longer be subject to forfeiture or restrictions on transfer.&#160; During the vesting period, unless otherwise provided for in the award
      agreement, the recipient will not have the power to vote the restricted shares and will not have the right to receive dividends with respect to those shares.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Committee also may grant share units, which provide for the transfer of a specified number of shares of Provident common stock once the applicable vesting requirements are
      met.&#160; The Committee will establish a restricted period, subject to acceleration as described below under &#8220;&#8211;Acceleration of Vesting,&#8221; after which the specified number of shares of Provident common stock will be transferred to the grantee.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Except as provided under &#8220;&#8211;Transferability of Awards,&#8221; restricted stock and share units generally may not be sold, assigned, transferred, pledged or otherwise encumbered by the
      participant before the vesting conditions are satisfied.&#160; The Committee has the right to determine any other terms and conditions, not inconsistent with the 2022 Equity Incentive Plan, upon which a restricted stock or share unit award shall be
      granted.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">25<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Acceleration of Stock Option Exercisability and Vesting of Restricted Stock Awards.</font>&#160; Unless otherwise provided in an award agreement, upon
      a change in control of Provident followed by an involuntary termination of the award recipient within 12 months of the change in control (change in control and involuntary termination as defined in the 2022 Equity Incentive Plan) or upon the
      termination of the award recipient&#8217;s service due to death or disability, all unvested awards under the 2022 Equity Incentive Plan shall become exercisable in the case of stock options, or vest in the case of restricted stock (including the transfer
      of Provident common stock in connection with a share unit), as of the date of the termination.&#160; The Committee also has the authority, with the consent of the award recipient, to the extent deemed necessary by the Committee, to amend or modify the
      terms of any outstanding award.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Forfeiture of Awards.</font>&#160; If the holder of an unvested award terminates service other than due to death, disability or a change in control,
      the unvested portion of the award will be forfeited by the holder.&#160; Upon any termination of service for cause, all stock options not previously exercised shall be forfeited immediately by the holder.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Transferability of Awards.</font>&#160; Stock options and unvested restricted stock awards may be transferred upon the death of the holder to whom it
      was awarded, by will or the laws of inheritance, or pursuant to a domestic relations order.&#160; Furthermore, the Committee may approve the transfer of&#160; non-qualified stock options and restricted stock awards to certain family members.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Amendment and Termination of the Plan.</font>&#160; The 2022 Equity Incentive Plan shall continue in effect for a term of 10 years, after which no
      further awards may be granted.&#160; The Board of Directors may at any time amend, suspend or terminate the plan or any portion thereof, except to the extent shareholder approval is necessary or required for purposes of any applicable federal or state law
      or regulation or the rules of any stock exchange or automated quotation system on which our common stock may then be listed or quoted.&#160; No amendment, suspension or termination of the plan, however, will impair the rights of any participant, without
      his or her consent, in any award already granted, except in limited circumstances where necessary to comply with certain tax law requirements or regulatory requirements.&#160; All awards are subject to &#8220;clawback&#8221; provisions as required by law, rule,
      regulation or stock exchange listing, or a policy related thereto.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Adjustments in the Event of Business Reorganization.</font>&#160; In the event any recapitalization, forward or reverse split, reorganization, merger,
      consolidation, spin-off, combination, exchange of shares or other securities, stock split, stock dividend, special cash dividend or other special and nonrecurring dividend or distribution, liquidation, dissolution or other similar corporate
      transaction or event, affects the shares of Provident common stock such that an adjustment is appropriate in order to prevent dilution or enlargement of the rights of participants, the Committee must, in such manner as it deems equitable, adjust the
      number of shares as to which future awards may be made and the number of shares subject to and exercise prices of outstanding awards.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Important Considerations</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The 2022 Equity Incentive Plan contains a number of provisions that we believe are consistent with the interests of shareholders and sound corporate governance practices,
      including:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6ff880ab844c4eb8bc4a13b44ab4ee81" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><u>Double trigger for acceleration of vesting of awards in connection with a change in control transaction</u>.&#160; The plan requires both a change in control and an involuntary termination
                of the award recipient within 12 months of the change in control in order to accelerate option exercisability and restricted stock vesting in the event of a change in control transaction.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z48591332330d47eeb92270cf5be0bb4d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><u>No liberal share counting</u>. The plan prohibits the reuse of shares withheld or delivered to satisfy the exercise price of an option or to satisfy tax withholding requirements.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcaea8894b01147358241c325c77f7980" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><u>No repricing of stock options</u>. The plan prohibits the repricing of stock options.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z25137a34f8c24e75a396ead14613954b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><u>No purchase of underwater options</u>. The plan prohibits Provident from purchasing from any option holder any option where the exercise price exceeds the fair market value of the
                underlying share.</div>
            </td>
          </tr>

      </table>
      <div> <br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify; line-height: 11.4pt;"><u>No discounted stock options</u>. All stock options must have an exercise price equal to or greater than the fair market value of the underlying common stock on the date of grant.</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">26<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div> </div>
    <div>
      <div> <br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zc6063a6a01f34cec9494c24976fd6411" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman',Times,serif;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 0pt; line-height: 11.4pt;"><u>No dividends on unearned awards</u>. The plan prohibits the payment of dividends on unearned awards, unless provided in an award agreement.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z99f627242e6949f9a06d20b8107e66ce" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><u>Limit on awards to any one individual</u>. The plan imposes a maximum number of shares that may be granted to any one individual in any 12-month period.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Provident currently maintains the 2013 Equity Incentive Plan, the 2010 Equity Incentive Plan and the 2006 Equity Incentive Plan.&#160; Stock options and shares of restricted common
      stock were awarded pursuant to these plans and outstanding awards will not be affected by adoption of the 2022 Equity Incentive Plan.&#160; As of October 13, 2022, 28,750 shares were available for award under the existing plans.&#160; We believe that the
      availability of stock compensation programs is an important element of its overall retention, recruitment, incentive compensation and growth strategies and that the adoption of the 2022 Equity Incentive Plan will assist us in meeting the objectives
      of these strategies.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In determining the number of shares to be reserved for issuance under the 2022 Equity Incentive Plan and analyzing the impact on our shareholders of making equity awards, we
      considered our burn rate and overhang.&#160; Burn rate provides a measure of the potential dilutive impact of our equity award program.&#160; Set forth below is a table that reflects our burn rate for fiscal 2022, 2021 and 2020 as well as the average over
      those years.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z282a7db4d74f4f2daf02dd4fcd8f3e08" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 19.23%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt; font-style: italic;">Fiscal Year</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Restricted Stock </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Granted</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Options </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Granted</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 15.38%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Total Granted</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Basic</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Weighted Average </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Number of Common </div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Shares Outstanding</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Gross Burn</div>
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Rate (1)</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">2022</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">1,000</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">14,000</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">15,000</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">7,404,089</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">0.2%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="line-height: 11.4pt;">2021</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 15.38%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">7,464,814</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">2020</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 15.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">7,467,577</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">--</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.23%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Three-year average</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 15.38%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.23%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">0.1%</div>
          </td>
        </tr>

    </table>
    <div>___________<br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z02f9d20da6644d5fab04b3a24da7a1f3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt; vertical-align: top; text-align: right;">(1)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Gross Burn Rate is defined as the number of shares of common stock underlying awards granted in the year divided by the basic weighted average number of shares of common stock outstanding.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table provides information as of October 13, 2022 regarding our total outstanding shares of common stock, shares underlying outstanding awards under prior plans and
      shares that would be added upon stockholder approval of the 2022 Equity Incentive Plan (&#8220;overhang&#8221;):</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="3" border="0" id="z5540d5b13a854f96a3037501e18eb5ba" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 84.62%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">As of October 13, 2022 <br>
          </td>
          <td style="width: 15.38%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 84.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Shares underlying outstanding awards</div>
          </td>
          <td style="width: 15.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">608,750</div>
          </td>
        </tr>
        <tr>
          <td style="width: 84.62%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Shares outstanding</div>
          </td>
          <td style="width: 15.38%; vertical-align: top;">
            <div style="text-align: right; line-height: 11.4pt;">7,223,518</div>
          </td>
        </tr>
        <tr>
          <td style="width: 84.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Overhang (shares underlying outstanding awards/shares outstanding)</div>
          </td>
          <td style="width: 15.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">8.4%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 84.62%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Shares available for grant under prior plans</div>
          </td>
          <td style="width: 15.38%; vertical-align: top;">
            <div style="text-align: right; line-height: 11.4pt;">28,750</div>
          </td>
        </tr>
        <tr>
          <td style="width: 84.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Total overhang (shares underlying outstanding awards and plan shares available/shares outstanding)</div>
          </td>
          <td style="width: 15.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">8.8%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 84.62%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Shares Board seeks approval for</div>
          </td>
          <td style="width: 15.38%; vertical-align: top;">
            <div style="text-align: right; line-height: 11.4pt;">375,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 84.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">As a percentage of shares outstanding</div>
          </td>
          <td style="width: 15.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; line-height: 11.4pt;">5.2%</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br>
      <div style="text-align: center;">27<br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table provides information regarding our outstanding stock options, broken down by those that expire within the next year and those that expire after one year.&#160; We
      believe a meaningful percentage will not be exercised as a result of the option exercise price greatly exceeding the closing market price of $14.35 per share of Provident&#8217;s common stock on October 13, 2022.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="z3dd74aca777048928d2d00c0d1d0d565" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 35.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Expiration Date</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Exercise Price</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt; font-style: italic;">Outstanding Options</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">12/20/2022</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$16.47</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;19,000</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; padding-bottom: 2px;">
            <div style="text-align: center; line-height: 11.4pt;">Sub-Total</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;19,000</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">02/25/2024</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$15.14</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;20,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">09/30/2024</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">$14.59</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">262,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">09/27/2026</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$19.79</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;20,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">10/25/2026</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">$18.88</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;6,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">05/30/2029</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$20.19</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;90,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">12/16/2031</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">$16.70</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;14,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">08/12/2032</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$14.52</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;30,000</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; padding-bottom: 2px;">
            <div style="text-align: center; line-height: 11.4pt;">Sub-Total</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">442,000</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">461,000</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 35.71%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 28.57%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 35.71%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div style="text-align: justify; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 36pt;">Of the 19,000 options expiring in the next year, none are eligible for re-issue and will expire.&#160; For each of these reasons, the potential dilution to our shareholders from our
      existing equity plans will be less than originally anticipated.&#160; Ultimately, the plans worked as designed, rewarding employees when shareholder value was created and limiting dilution when values retrench.</div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The graph below illustrates the dilutive effects of the 2022 Equity Incentive Plan if all shares were immediately awarded upon approval of the Plan in different scenarios of
      share price appreciation or depreciation.&#160; The graph also illustrates the increase or decrease in shareholder value as defined by market capitalization.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt;"><img width="668" height="380" src="image0.jpg"></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">28<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Federal Income Tax Consequences</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following discussion provides a general overview of the federal tax consequences that apply to non-qualified stock options, incentive stock options and restricted stock
      awards, as of the date of this Proxy Statement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Non-qualified Stock Options.</font>&#160; Under current federal tax law, the non-qualified stock options granted under the 2022 Equity Incentive Plan
      will not result in any taxable income to the optionee or any tax deduction to Provident at the time of grant.&#160; Upon the exercise of a non-qualified stock option, the excess of the market value of the shares acquired over their exercise price is
      taxable to the optionee as compensation income and is generally deductible by Provident.&#160; The optionee&#8217;s tax basis for the shares is the market value of the shares at the time of exercise.&#160; Upon a sale of the shares, the optionee will recognize a
      capital gain to the extent of any appreciation in value of the shares from the date of exercise to the date of sale, and such gain will qualify as long-term capital gain if the applicable capital gain holding period is satisfied.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Incentive Stock Options.</font>&#160; Neither the grant nor the exercise of an incentive stock option under the 2022 Equity Incentive Plan will result
      in any federal tax consequences to either the optionee or Provident, although the difference between the market price on the date of exercise and the exercise price is an item of adjustment included for purposes of calculating the optionee&#8217;s
      alternative minimum tax.&#160; Except as described below, at the time the optionee sells shares acquired pursuant to the exercise of an incentive stock option, the excess of the sale price over the exercise price will qualify as a long-term capital gain
      if the applicable holding period is satisfied.&#160; If the optionee disposes of the shares within two years of the date of grant or within one year of the date of exercise, an amount equal to the lesser of (a) the difference between the fair market value
      of the shares on the date of exercise and the exercise price, or (b) the difference between the exercise price and the sale price will be taxed as ordinary income and Provident will be entitled to a deduction in the same amount.&#160; The excess, if any,
      of the sale price over the sum of the exercise price and the amount taxed as ordinary income will qualify as long-term capital gain if the applicable capital gains holding period is satisfied.&#160; If the optionee exercises an incentive stock option more
      than three months after his or her termination of employment, he or she generally is deemed to have exercised a non-qualified stock option.&#160; The time frame in which to exercise an incentive stock option is extended in the event of the death or
      disability of the optionee.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Restricted Stock Awards.</font>&#160; Recipients of restricted shares granted under the 2022 Equity Incentive Plan will recognize ordinary income on
      the date that the shares are no longer subject to a substantial risk of forfeiture, or at the time shares of Provident common stock are transferred to the awardee, in the case of share units, in an amount equal to the fair market value of the shares
      on that date.&#160; In certain circumstances, a holder of restricted stock (but not share units) may elect to recognize ordinary income on the date of the grant of the restricted stock in an amount equal to the fair market value of the shares on the grant
      date.&#160; Upon a subsequent sale of the shares, the holder of restricted stock will recognize capital gain or loss based on the difference between the amount received and the amount previously recognized as ordinary income.&#160; If an award agreement
      provides that an owner of restricted stock is entitled to receive dividends, then recipients of shares granted under the plan will also recognize ordinary income equal to their dividend payments when these payments are received.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Proposed Awards Under the Plan</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">No awards have been proposed under the 2022 Equity Incentive Plan as of the date of this Proxy Statement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">29<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Equity Compensation Plan Information</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table summarizes share and exercise price information regarding our equity compensation plans as of June 30, 2022:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zfb7d7b39947e4b18a36688c2dd99a786" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 28.85%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-style: italic;">Plan Category</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Number of Securities to </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Be Issued Upon </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Exercise of </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Outstanding Options, </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Warrants and Rights</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Weighted-average </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Exercise Price of </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Outstanding Options, <br>
              Warrants and Rights</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Number of Securities </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Remaining Available for </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Future Issuance Under </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Equity Compensation </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Plans (Excluding <br>
            </div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Securities Reflected</div>
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;"> in Column (a))</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.85%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">(a)</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">(b)</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: top;">
            <div style="text-align: center; line-height: 11.4pt;">(c)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Equity compensation plans</div>
            <div style="line-height: 11.4pt;">approved by security holders</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">525,750</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$16.24</div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">111,750</div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.85%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 28.85%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
            <div style="line-height: 11.4pt;">Equity compensation plans not </div>
            <div style="line-height: 11.4pt;">approved by security holders:</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">N/A</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">N/A</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">N/A</div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.85%; vertical-align: top;">
            <div style="line-height: 11.4pt;">Total</div>
          </td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">525,750</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">$16.24</div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 11.4pt;">111,750</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Voting Recommendation</div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt; font-weight: bold;">The Board of Directors recommends that shareholders vote FOR the adoption of the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">AUDIT COMMITTEE MATTERS
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Audit Committee Charter.&#160; </font>The Audit Committee operates pursuant to a charter approved by our Board of Directors.&#160; The Audit Committee
      reports to the Board of Directors and is responsible for overseeing and monitoring financial accounting and reporting, the system of internal controls established by management and our audit process.&#160; The charter sets out the responsibilities,
      authority and specific duties of the Audit Committee.&#160; The charter specifies, among other things, the structure and membership requirements of the Audit Committee, as well as the relationship of the Audit Committee to the independent registered
      public accounting firm, the internal audit department and management.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Report of the Audit Committee.</font>&#160; The Audit Committee reports as follows with respect to Provident&#8217;s audited financial statements for the
      fiscal year ended June 30, 2022:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za77a2a8e3bf6494193567f3b2a2e5d3c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The Audit Committee has completed its review and discussion of the 2022 audited financial statements with management;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0ed86f549fb6464b86395d1181ab02e1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The Audit Committee has discussed with the independent registered public accounting firm, Deloitte &amp; Touche LLP, the matters required to be discussed by Auditing Standard No. 16, <font style="font-style: italic;">Communications with Audit Committees</font>, as amended;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9fa7f37fbdea4a54a85517d4be4c3fb0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The Audit Committee has received written disclosures and the letter from the independent registered public accounting firm required by applicable requirements of the Public Company
                Accounting Oversight Board regarding the independent registered public accounting firm&#8217;s communications with the Audit Committee concerning independence, and has discussed with the independent registered public accounting firm the
                independent registered public accounting firm&#8217;s independence; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1776b127cce44fdd95cc00951dd00726" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">The Audit Committee has, based on its review and discussions with management of the 2022 audited financial statements and discussions with the independent registered public accounting
                firm,</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">30<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><br>
              </div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;">recommended to the Board of Directors that Provident&#8217;s audited financial statements for the year ended June 30, 2022 be included in its Annual Report on Form 10-K.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The foregoing report is provided by the following directors, who constitute the Audit Committee:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">Audit Committee:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Joseph P. Barr, Chairman</div>
    <div style="text-align: justify; text-indent: 180pt; line-height: 11.4pt;">Judy A. Carpenter</div>
    <div style="text-align: justify; text-indent: 180pt; line-height: 11.4pt;">Debbi H. Guthrie</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-style: italic;">This report shall not be deemed to be incorporated by reference by any general statement incorporating by reference this Proxy Statement into any filing under the Securities Act
      of 1933 or the Securities Exchange Act of 1934, and shall not otherwise be deemed filed under such acts.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">PROPOSAL 4 &#8211; RATIFICATION OF APPOINTMENT OF</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Deloitte &amp; Touche LLP served as our independent registered public accounting firm for the fiscal year ended June 30, 2022.&#160; The Audit Committee of the Board of Directors has
      appointed Deloitte &amp; Touche LLP as independent registered public accounting firm for the fiscal year ending June&#160;30, 2023, subject to approval by shareholders.&#160; A representative of Deloitte &amp; Touche LLP will be present at the annual meeting
      to respond to shareholders&#8217; questions and will have the opportunity to make a statement if he or she so desires.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following table sets forth the aggregate fees paid to Deloitte &amp; Touche LLP for professional services rendered for the fiscal years ended June 30, 2022 and 2021.</div>
    <div style="line-height: 11.4pt;"></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 60.49%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
          <td style="width: 19.75%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="3">
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">Year Ended June 30,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 60.49%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 19.75%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">2022</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 19.75%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt; font-style: italic;">2021</div>
          </td>
        </tr>
        <tr>
          <td style="width: 60.49%; vertical-align: top;">&#160;</td>
          <td style="width: 19.75%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.75%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="line-height: 11.4pt;">Audit Fees (1)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font></div>
          </td>
          <td style="width: 19.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$624,880</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;">$613,780</div>
          </td>
        </tr>
        <tr>
          <td style="width: 60.49%; vertical-align: top; padding-bottom: 2px;">
            <div style="line-height: 11.4pt;">Tax Fees (2)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font></div>
          </td>
          <td style="width: 19.75%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;72,445</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 19.75%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">&#160;&#160;&#160;80,417</div>
          </td>
        </tr>
        <tr>
          <td style="width: 60.49%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
            <div style="line-height: 11.4pt;">Total<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font></div>
          </td>
          <td style="width: 19.75%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">$697,325</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 19.75%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;">$694,197</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 4.94%; vertical-align: top;" rowspan="1" colspan="2">___________<br>
          </td>
        </tr>
        <tr>
          <td style="width: 4.94%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(1)</div>
          </td>
          <td style="width: 95.06%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Includes fees paid for the annual audit, quarterly reviews of the consolidated financial statements, and the annual audit of internal controls over financial reporting.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.94%; vertical-align: top;">
            <div style="line-height: 10.25pt;">(2)</div>
          </td>
          <td style="width: 95.06%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;">Primarily consists of fees related to the preparation of Provident&#8217;s income tax returns.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Audit Committee will establish general guidelines for the permissible scope and nature of any permitted non-audit services to be provided by the independent registered public
      accounting firm in connection with its annual review of its charter.&#160; Pre-approval may be granted by action of the full Audit Committee or by delegated authority to one or more members of the Committee.&#160; If this authority is delegated, all approved
      non-audit services will be presented to the Audit Committee at its next meeting.&#160; In considering non-audit services, the Audit Committee or its delegate will consider various factors, including but not limited to, whether it would be beneficial to
      have the service provided by the independent registered public accounting firm and whether the service could compromise the independence of the independent registered public accounting firm.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt; font-weight: bold;">The Board of Directors recommends that shareholders vote FOR the ratification of the appointment of Deloitte &amp; Touche LLP as independent registered public
      accounting firm of Provident for the fiscal year ending June 30, 2023.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;"><br>
      31<br style="line-height: 11.4pt;">
    </div>
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    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">MISCELLANEOUS
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">The Board of Directors is not aware of any business to come before the annual meeting other than those matters described above in this Proxy Statement.&#160; However, if any other matters should properly
      come before the meeting, it is intended that proxies in the accompanying form will be voted in respect thereof in accordance with the judgment of the person or persons voting the proxies.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">We will bear the cost of solicitation of proxies.&#160; We will reimburse brokerage firms and other custodians, nominees and fiduciaries for reasonable expenses incurred by them in sending proxy materials
      to the beneficial owners of our common stock.&#160; In addition to solicitations by mail, our directors, officers and employees may solicit proxies personally or by telecopier or telephone without additional compensation.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">Provident&#8217;s 2022 Annual Report to Shareholders, including financial statements, has been mailed to all shareholders of record as of the close of business on the voting record date.&#160; Any shareholder
      who has not received a copy of the Annual Report may obtain a copy by writing to the Secretary of Provident.&#160; The Annual Report is not to be treated as part of the proxy solicitation material or having been incorporated herein by reference.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">A copy of Provident&#8217;s Annual Report on Form 10-K for the fiscal year ended June 30, 2022, as filed with the SEC, will be furnished without charge to shareholders of record as of the close of business
      on the voting record date upon written request to Donavon P. Ternes, Secretary, Provident Financial Holdings, Inc., 3756 Central Avenue, Riverside, California 92506.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">SHAREHOLDER PROPOSALS
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Proposals of shareholders intended to be presented at next year&#8217;s annual meeting must be received by us no later than June 29, 2023 to be considered for inclusion in the proxy
      materials and form of proxy relating to the annual meeting.&#160; Any such proposals shall be subject to the requirements of the proxy rules adopted under the Securities Exchange Act.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Our Certificate of Incorporation provides that in order for a shareholder to make nominations for the election of directors or proposals for business to be brought before the
      annual meeting, the shareholder must deliver notice of nominations and/or proposals to the Secretary not less than 30 nor more than 60 days prior to the date of the annual meeting; provided that if less than 31 days&#8217; notice of the meeting is given to
      shareholders, the shareholder&#8217;s notice must be delivered not later than the close of the tenth day following the day on which notice of the meeting was mailed to shareholders.&#160; As specified in the Certificate of Incorporation, the notice with respect
      to nominations for election of directors must set forth certain information regarding each nominee for election as a director, including that person&#8217;s written consent to being named in the proxy statement as a nominee and to serving as a director, if
      elected, and certain information regarding the shareholder giving the notice.&#160; The notice with respect to business proposals to be brought before the annual meeting must state the shareholder&#8217;s name, address and number of shares of common stock held,
      and briefly discuss the business to be brought before the annual meeting, the reasons for conducting the business at the meeting and any interest of the shareholder in the proposal.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" id="zc55e302ca5094efb9fee7fb9efbe1770">

          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">BY ORDER OF THE BOARD OF DIRECTORS</td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>/S/ DONAVON P. TERNES </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>DONAVON P. TERNES <br>
              </div>
              <div><font style="font-style: italic;">Secretary</font><br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 0pt; margin-left: 216pt; line-height: 11.4pt;"><br>
    </div>
    Riverside, California
    <div style="text-align: justify; line-height: 11.4pt;">October 27, 2022</div>
    <div style="text-align: justify; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"> <br>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center;">32<br>
      </div>
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      </div>
    </div>
    <div style="text-align: right; line-height: 11.4pt; font-weight: bold;"><u>APPENDIX A</u></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">PROVIDENT FINANCIAL HOLDINGS, INC.</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">2022 EQUITY INCENTIVE PLAN</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE I</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">PURPOSE</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 1.1&#160; General Purpose of the Plan.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The purpose of the Plan is to reward performance and build the participants&#8217; equity interest in Provident Financial Holdings, Inc. by providing long-term incentives and rewards
      to directors, advisory directors, directors emeriti, officers and employees who provide services to Provident Financial Holdings, Inc. and its affiliates and who contribute to its success by their innovation, ability, industry, loyalty and
      exceptional service.&#160; The Plan is not intended to provide any compensation or benefits that would constitute deferred compensation subject to Section 409A of the Code and shall be administered, operated and interpreted accordingly.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE II</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">DEFINITIONS</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The following definitions shall apply for the purposes of this Plan, unless a different meaning is plainly indicated by the context:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Affiliate</font> means any &#8220;parent corporation&#8221; or &#8220;subsidiary corporation&#8221; of the Company, as those terms are defined in Section 424(e) and (f)
      respectively, of the Code.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Award</font> means the grant by the Committee of an Incentive Stock Option, a Non-Qualified Stock Option or a Restricted Stock Award.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Award Agreement</font> means a written instrument evidencing an Award under the Plan and establishing the terms and conditions thereof.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Beneficiary</font> means the Person designated by a Participant to receive any Shares subject to a Restricted Stock Award made to such
      Participant that become distributable, or to have the right to exercise any Options granted to such Participant that are exercisable, following the Participant&#8217;s death.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Board</font> means the Board of Directors of Provident Financial Holdings, Inc. and any successor thereto.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Change in Control</font> means any of the following events:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>any third Person, including a &#8220;group&#8221; as defined in Section 13(d)(3) of
      the Exchange Act becomes the beneficial owner of Shares with respect to which 25% or more of the total number of votes that may be cast for the election of the Board (other than a tax-qualified plan of the Company or its Affiliate);</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>consummation of a plan of reorganization, merger, acquisition,
      consolidation, sale of all or substantially all of the assets of the Company or a similar transaction in which the Company is not the resulting entity;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>as a result of, or in connection with, any cash tender offer, merger or
      other business combination, sale of assets or contested election(s), or combination of the foregoing, the individuals who were members of the Board on the date of adoption of this Plan (the &#8220;Incumbent Board&#8221;) cease for any reason to constitute at
      least a majority thereof, <font style="font-family: 'Times New Roman',Times,serif;"><u>provided that</u></font> any person becoming a director subsequent to the date of adoption of this Plan whose election was approved by a vote of at least
      three-quarters of the directors comprising the Incumbent Board, or whose nomination for election by the Company&#8217;s shareholders was approved by the nominating committee serving under an Incumbent Board, shall be considered a member of the Incumbent
      Board; or</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-1<br>
    </div>
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      <div style="page-break-after: always;" class="BRPFPageBreak">
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(d)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>a tender offer or exchange offer for 25% or more of the total outstanding
      Shares is completed (other than such an offer by the Company).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Code</font> means the Internal Revenue Code of 1986, as amended from time to time.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Committee</font> means the Committee described in Article IV.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Company</font> means Provident Financial Holdings, Inc., a Delaware corporation, and any successor thereto.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Disability</font> means a total and permanent disability, within the meaning of Section 22(e)(3) of the Code, as determined by the Committee in
      good faith, upon receipt of sufficient competent medical advice from one or more individuals, selected by the Committee, who are qualified to give professional medical advice.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Domestic Relations Order</font> means a domestic relations order that satisfies the requirements of Section 414(p)(1)(B) of the Code, or any
      successor provision, as if such section applied to the applicable Award.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Effective Date</font> means ____________________, the date on which the Plan is approved by the shareholders of Provident Financial Holdings,
      Inc.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Exchange Act</font> means the Securities Exchange Act of 1934, as amended.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Exercise Period</font> means the period during which an Option may be exercised.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Exercise Price</font> means the price per Share at which Shares subject to an Option may be purchased upon exercise of the Option.&#160; If the Fair
      Market Value for Exercise Price purposes is determined to be less than fair market value of the underlying Shares as determined under Section 409A (the &#8220;Section 409A Fair Market Value&#8221;), then the Exercise Price shall automatically be adjusted to be
      the Section 409A Fair Market Value.&#160; The Committee may take such actions as it determines necessary to carry out the preceding sentence.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Fair Market Value</font> means, with respect to a Share on a specified date:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>If the Shares are listed on any U.S. national securities exchange
      registered under the Securities Exchange Act of 1934 (&#8220;National Exchange&#8221;), the closing sales price for such stock (or the closing bid, if no sales were reported) as reported on that exchange on the applicable date, or if the applicable date is not a
      trading day, on the trading day immediately preceding the applicable date;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>If the Shares are not listed on a National Exchange but are traded on
        the over-the-counter market or other similar system, the mean between the closing bid and the asked price for the Shares at the close of trading in the over-the-counter market or other similar system on the applicable date, or if the applicable
        date is not a trading day, on the trading day immediately preceding the applicable date; and</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>In the absence of such markets for the Shares, the Fair Market Value
        shall be determined in good faith by the Committee.</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In no event shall the Fair Market Value for Exercise Price purposes be less than fair market value of the underlying Shares as determined under Section 409A.</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Family Member</font> means with respect to any Participant:</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the lineal ascendants and lineal descendants of such Participant or his
        spouse, or any one or more of them; or</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-2<br style="line-height: 11.4pt;">
    </div>
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    </div>
    <br>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>an entity wholly owned by, including, but not limited to, a trust the
      exclusive beneficiaries of which are, one or more of the lineal ascendants or lineal descendants of such Participant or his spouse, or wholly owned jointly by one or more of them and the Participant.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Incentive Stock Option</font> means a right to purchase Shares that is granted to an employee of the Company or any Affiliate that is designated
      by the Committee to be an Incentive Stock Option and that is intended to satisfy the requirements of Section 422 of the Code.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Involuntary Termination</font> shall mean either (a) the termination of the employment of Award recipient by the Company or any Affiliate without
      the Award recipient&#8217;s express written consent, or (b) the Award recipient's voluntarily and complete termination of employment with the Company and all Affiliates following any demotion, loss of title, office or significant authority, reduction in
      the Award recipient's annual salary, or relocation of the Award recipient's principal place of employment more than thirty-five (35) miles from its location immediately prior to the Change in Control.&#160; No other voluntary termination by the Award
      recipient shall be considered an Involuntary Termination for purposes of this Plan or any Award granted hereunder.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Non-Qualified Stock Option</font> means a right to purchase Shares that is not intended to qualify as an Incentive Stock Option or does not
      satisfy the requirements of Section 422 of the Code.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Option</font> means either an Incentive Stock Option or a Non-Qualified Stock Option.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Option Holder</font> means, at any relevant time with respect to an Option, the person having the right to exercise the Option.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Participant</font> means any director, advisory director, director emeritus, officer or employee of the Company or any Affiliate who is selected
      by the Committee to receive an Award.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Permitted Transferee</font> means, with respect to any Participant, a Family Member of the Participant to whom an Award has been transferred as
      permitted hereunder.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Person</font> means an individual, a corporation, a partnership, a limited liability company, an association, a joint-stock company, a trust, an
      estate, an unincorporated organization and any other business organization or institution.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Plan</font> means the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan, as amended from time to time.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Restricted Stock Award</font> means an award of Shares or Share Units pursuant to Article VI.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Retirement</font> means the termination of a Participant&#8217;s employment with the Company and its Affiliates, other than a Termination for Cause,
      after the Participant has attained age 59&#189;.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Section 409A</font> means Section 409A of the Code and any regulations or guidance of general applicability thereunder.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Service</font> means, unless the Committee provides otherwise in an Award Agreement, service in any capacity as a director, advisory director,
      director emeritus, officer or employee of the Company or any Affiliate.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Share</font> means a share of common stock, par value $.01 per share, of Provident Financial Holdings, Inc.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Share Unit</font> means the right to receive a Share at a specified future date.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Termination for Cause</font> means termination upon an intentional failure to perform stated duties, a breach of a fiduciary duty involving
      personal dishonesty which results in material loss to the Company or one of its Affiliates or a willful violation of any law, rule or regulation (other than traffic violations or similar offenses) or a final cease-and-desist order which results in
      material loss to the Company or one of its Affiliates.&#160; No act or failure to act on Participant&#8217;s part </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;"> A-3<br>
    </div>
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    </div>
    <div style="line-height: 11.4pt; text-align: justify;">shall be considered willful unless done, or omitted to be done, not in good faith and without reasonable belief that the action or omission was in the best interest of the Company. Notwithstanding
      the above, if a Participant is subject to a different definition of termination for cause in an employment or severance or similar agreement with the Company or any Affiliate, such other definition shall control.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Treasury Shares</font> mean previously issued Shares that are no longer outstanding as a result of having been repurchased or otherwise acquired
      by the Company.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-weight: bold;">Vesting Date</font> means the date or dates on which the grant of an Option is eligible to be exercised or the date or dates on which a
      Restricted Stock Award ceases to be forfeitable.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE III</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">AVAILABLE SHARES</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 3.1&#160;&#160;&#160;&#160; Shares Available Under the Plan.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Subject to adjustment under Article VIII, the aggregate number of Shares representing Awards shall not exceed three hundred seventy-five thousand (375,000) Shares.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 3.2&#160;&#160;&#160;&#160; Shares Available for Options.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Subject to adjustment under Article VIII and the limitations under Section 3.4 below, the maximum aggregate number of Shares with respect to which Options may be granted under
      the Plan shall be one hundred seventy-five thousand (175,000) Shares and the maximum aggregate number of Shares with respect to which Incentive Stock Options may be granted under the Plan shall be one hundred seventy-five thousand (175,000) Shares.&#160;
      The maximum aggregate number of Shares with respect to which Options may be granted under the Plan to any one individual in any calendar year shall be thirty-five thousand (35,000) Shares.&#160; Shares issued upon the exercise of an Option shall be issued
      from the Company&#8217;s authorized but unissued Shares.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 3.3&#160;&#160;&#160;&#160; Shares Available for Restricted Stock Awards.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Subject to adjustment under Article VIII and the limitations under Section 3.4 below, the maximum aggregate number of Shares with respect to which Restricted Stock Awards may be
      granted under the Plan shall be two hundred thousand (200,000) Shares and the maximum aggregate number of Shares with respect to which Restricted Stock Awards may be granted under the Plan to any one individual in any calendar year shall be thirty
      thousand (30,000) Shares.&#160; Shares issued upon award or vesting of Restricted Stock Awards shall be Treasury Shares.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 3.4&#160;&#160;&#160;&#160; Computation of Shares Issued.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">For purposes of this Article III, Shares shall be considered issued pursuant to the Plan only if actually issued upon the exercise of an Option or in connection with a Restricted
      Stock Award.&#160; Any Award subsequently forfeited, in whole or in part, shall not be considered issued.&#160; &#160; Shares used to pay the Exercise Price of an Option and Shares used to satisfy tax withholding obligations shall not be available for future Awards
      under the Plan.&#160; To the extent that Shares are delivered pursuant to the exercise of an Option, the number of underlying Shares as to which the exercise related shall be counted against the number of Shares available for Awards, as opposed to only
      counting the Shares issued. If any Award granted under the Plan terminates, expires, or lapses for any reason, any Shares subject to such Award again shall be available for the grant of an Award under the Plan.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-4<br style="line-height: 11.4pt;">
    </div>
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    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE IV</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ADMINISTRATION</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 4.1&#160;&#160;&#160;&#160; Committee.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The Plan shall be administered by a Committee appointed by the Board for
      that purpose and consisting of not less than two (2) members of the Board.&#160; Each member of the Committee shall be a &#8220;Non-Employee Director&#8221; within the meaning of Rule 16b-3(b)(3)(i) under the Exchange Act or a successor rule or regulation and an
      &#8220;Independent Director&#8221; and shall satisfy any other membership requirements under the corporate governance rules and regulations imposing independence and other membership standards on committees performing similar functions promulgated by any
      national securities exchange or quotation system on which Shares are listed.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The act of a majority of the members present at a meeting duly called and
      held shall be the act of the Committee.&#160; Any decision or determination reduced to writing and signed by all members shall be as fully effective as if made by unanimous vote at a meeting duly called and held.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The Committee&#8217;s decisions and determinations under the Plan need not be
      uniform and may be made selectively among Participants, whether or not such Participants are similarly situated.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 4.2&#160;&#160;&#160;&#160; Committee Powers.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Subject to the terms and conditions of the Plan and such limitations as may be imposed by the Board, the Committee shall be responsible for the overall management and
      administration of the Plan and shall have such authority as shall be necessary or appropriate in order to carry out its responsibilities, including, without limitation, the authority:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>to interpret and construe the Plan, and to determine all questions that
      may arise under the Plan as to eligibility for participation in the Plan, the number of Shares subject to Awards to be issued or granted, and the terms and conditions thereof;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>with the consent of the Participant, to the extent deemed necessary by the
      Committee, amend or modify the terms of any outstanding Award or accelerate or defer the Vesting Date thereof;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>to adopt rules and regulations and to prescribe forms for the operation
      and administration of the Plan; and</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(d)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>to take any other action not inconsistent with the provisions of the Plan
      that it may deem necessary or appropriate.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">All decisions, determinations and other actions of the Committee made or taken in accordance with the terms of the Plan shall be final and conclusive and binding upon all parties having an interest
      therein.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE V</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">STOCK OPTIONS</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 5.1&#160;&#160;&#160;&#160; Grant of Options.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Subject to the limitations of the Plan, the Committee may, in its
      discretion, grant to a Participant an Option to purchase Shares.&#160; An Option must be designated as either an Incentive Stock Option or a Non-Qualified Stock Option and, if not designated as either, shall be a Non-Qualified Stock Option.&#160; Only
      employees of the Company or its Affiliates may receive Incentive Stock Options.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Any Option granted shall be evidenced by an Award Agreement which shall:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>specify the number of Shares covered by the Option;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-5<br style="line-height: 11.4pt;">
    </div>
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    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>specify the Exercise Price;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>specify the Exercise Period;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iv)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>specify the Vesting Date; and</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(v)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>contain such other terms and conditions not inconsistent with the Plan as
      the Committee may, in its discretion, prescribe.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; font-weight: bold;">Section 5.2&#160;&#160;&#160;&#160; Size of Option.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Subject to the restrictions of the Plan, the number of Shares as to which a Participant may be granted Options shall be determined by the Committee, in its discretion.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 5.3&#160;&#160;&#160;&#160; Exercise Price.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The price per Share at which an Option may be exercised shall be determined by the Committee, in its discretion, <font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">provided, however,</font> that the Exercise Price shall not be less than the Fair Market Value of a Share on the date on which the Option is granted.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 5.4&#160;&#160;&#160;&#160; Exercise Period.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Exercise Period during which an Option may be exercised shall commence on the Vesting Date.&#160; It shall expire on the earliest of:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the date specified by the Committee in the Award Agreement;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>unless otherwise determined by the Committee and set forth in the Award
      Agreement, the last day of the three-month period commencing on the date of the Participant&#8217;s termination of Service, other than on account of death, Disability, Retirement or a Termination for Cause;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>unless otherwise determined by the Committee and set forth in the Award
      Agreement, the last day of the one-year period commencing on the date of the Participant&#8217;s termination of Service due to death, Disability or Retirement;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(d)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>as of the time and on the date of the Participant&#8217;s termination of Service
      due to a Termination for Cause; or</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(e)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the last day of the ten-year period commencing on the date on which the
      Option was granted.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">An Option that remains unexercised at the close of business on the last day of the Exercise Period shall be canceled without consideration at the close of business on that date.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt; font-weight: bold;">Section 5.5&#160;&#160;&#160;&#160; Vesting Date.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The Vesting Date for each Option Award shall be determined by the
      Committee and specified in the Award Agreement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Unless otherwise determined by the Committee and specified in the Option
      Award Agreement:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if the Participant terminates Service prior to the Vesting Date for any
      reason other than death, Disability or a Change in Control, any unvested Option shall be forfeited without consideration;</div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if the Participant terminates Service prior to the Vesting Date on
      account of death or Disability, the Vesting Date shall be accelerated to the date of the Participant&#8217;s termination of Service; and </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-6<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
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    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;"><font style="font-family: 'Times New Roman',Times,serif;"> <br>
      </font></div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if a Change in Control occurs prior to the Vesting Date of an Option
      Award that is outstanding on the date of the Change in Control, the Vesting Date shall be accelerated to the earlier of (A) the date of the Participant's Involuntary Termination, if such Involuntary Termination occurs within the twelve-month period
      commencing on the effective date of the Change in Control, or (B) the Vesting Date provided for in Section 5.5(a).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><font style="font-weight: bold;">Section 5.6</font>&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">Additional Restrictions on Incentive Stock Options.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">An Option designated by the Committee to be an Incentive Stock Option shall be subject to the following provisions:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Notwithstanding any other provision of this Plan to the contrary, no
      Participant may receive an Incentive Stock Option under the Plan if such Participant, at the time the award is granted, owns (after application of the rules contained in Section 424(d) of the Code) stock possessing more than ten percent of the total
      combined voting power of all classes of stock of the Company or its Affiliates, unless (i) the option price for such Incentive Stock Option is at least 110 percent of the Fair Market Value of the Shares subject to such Incentive Stock Option on the
      date of grant and (ii) such Option is not exercisable after the date five (5) years from the date such Incentive Stock Option is granted.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Each Participant who receives Shares upon exercise of an Option that is an
      Incentive Stock Option shall give the Company prompt notice of any sale of Shares prior to a date which is two years from the date the Option was granted or one year from the date the Option was exercised.&#160; Such sale shall disqualify the Option as an
      Incentive Stock Option.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The aggregate Fair Market Value (determined with respect to each Incentive
      Stock Option at the time such Incentive Stock Option is granted) of the Shares with respect to which Incentive Stock Options are exercisable for the first time by a Participant during any calendar year (under this Plan or any other plan of the
      Company or an Affiliate) shall not exceed $100,000 and the term of the Incentive Stock Option shall not be more than ten years.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(d)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Any Option under this Plan which is designated by the Committee as an
      Incentive Stock Option but fails, for any reason, to meet the foregoing requirements shall be treated as a Non-Qualified Stock Option.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 5.7</font>&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">Method of Exercise.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Subject to the limitations of the Plan and the Award Agreement, an Option
      Holder may, at any time on or after the Vesting Date and during the Exercise Period, exercise his or her right to purchase all or any part of the Shares to which the Option relates; <font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">provided, however,</font> that the minimum number of Shares which may be purchased at any time shall be 100, or, if less, the total number of Shares relating to the Option which remain un-purchased.&#160; An Option Holder shall
      exercise an Option to purchase Shares by:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>giving written notice to the Committee, in such form and manner as the
      Committee may prescribe, of his or her intent to exercise the Option;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>delivering to the Committee full payment for the Shares as to which the
      Option is to be exercised; and</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>satisfying such other conditions as may be prescribed in the Award
      Agreement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The Exercise Price of Shares to be purchased upon exercise of any Option shall be paid in full:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>in cash (by certified or bank check or such other instrument as the
      Company may accept); or</div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">
      <div style="line-height: 11.4pt; text-indent: 80pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if and to the extent permitted by the Committee, in the form of Shares already owned by the
        Option Holder for a period of more than six (6) months as of the exercise date and having an aggregate Fair Market Value on the date the Option is exercised equal to the aggregate Exercise Price to be paid;</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-7<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
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    </div>
    <br>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if and to the extent permitted by the Committee, by the Company
      withholding Shares otherwise issuable upon the exercise having an aggregate Fair Market Value on the date the Option is exercised equal to the aggregate Exercise Price to be paid; or</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iv)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>by a combination thereof.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">Payment for any Shares to be purchased upon exercise of an Option may also be made by delivering a properly executed exercise notice to the Company, together with a copy of irrevocable instructions
      to a broker to deliver promptly to the Company the amount of sale or loan proceeds to pay the purchase price and applicable tax withholding amounts (if any), in which event the Shares acquired shall be delivered to the broker promptly following
      receipt of payment.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>When the requirements of this Section have been satisfied, the Committee
      shall take such action as is necessary to cause the issuance of a stock certificate or cause Shares to be issued by book-entry procedures, in either event evidencing the Option Holder's ownership of such Shares. The Person exercising the Option shall
      have no right to vote or to receive dividends, nor have any other rights with respect to the Shares, prior to the date the Shares are transferred to such Person on the stock transfer records of the Company, and no adjustments shall be made for any
      dividends or other rights for which the record date is prior to the date as of which the transfer is effected.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 5.8</font>&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman',Times,serif; font-weight: bold;">Limitations on Options.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>An Option by its terms shall not be transferable by the Option Holder
      other than by will or the laws of descent and distribution, or pursuant to the terms of a Domestic Relations Order, and shall be exercisable, during the life of the Option Holder, only by the Option Holder or an alternate payee designated pursuant to
      such a Domestic Relations Order; <font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">provided, however,</font> that a Participant may, at any time at or after the grant of a Non-Qualified Stock Option under the Plan, apply
      to the Committee for approval to transfer all or any portion of such Non-Qualified Stock Option which is then unexercised to such Participant&#8217;s Family Member. The Committee may approve or withhold approval of such transfer in its sole and absolute
      discretion. If such transfer is approved, it shall be effected by written notice to the Company given in such form and manner as the Committee may prescribe and actually received by the Company prior to the death of the person giving it. Thereafter,
      the transferee shall have, with respect to such Non-Qualified Stock Option, all of the rights, privileges and obligations which would attach thereunder to the Participant. If a privilege of the Option depends on the life, Service or other status of
      the Participant, such privilege of the Option for the transferee shall continue to depend upon the life, Service or other status of the Participant. The Committee shall have full and exclusive authority to interpret and apply the provisions of the
      Plan to transferees to the extent not specifically addressed herein.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The Company's obligation to deliver Shares with respect to an Option
      shall, if the Committee so requests, be conditioned upon the receipt of a representation as to the investment intention of the Option Holder to whom such Shares are to be delivered, in such form as the Committee shall determine to be necessary or
      advisable to comply with the provisions of applicable federal, state or local law. It may be provided that any such representation shall become inoperative upon a registration of the Shares or upon the occurrence of any other event eliminating the
      necessity of such representation. The Company shall not be required to deliver any Shares under the Plan prior to:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the admission of such Shares to listing on any stock exchange or trading
      on any automated quotation system on which Shares may then be listed or traded; or</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the completion of such registration or other qualification under any
      state or federal law, rule or regulation as the Committee shall determine to be necessary or advisable.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>An Option Holder may designate a Beneficiary to receive any Options that
      may be exercised after his death. Such designation and any change or revocation of such designation shall be made in writing in the form and manner prescribed by the Committee. In the event that the designated Beneficiary dies prior to the Option
      Holder, or in the event that no Beneficiary has been designated, any Options that may be exercised following the Option Holder's death shall be transferred to the Option Holder's estate. If the Option Holder and his or her Beneficiary shall die in
      circumstances that cause the Committee, in its discretion, to be uncertain which shall have been the first to die, the Option Holder shall be deemed to have survived the Beneficiary.
      <div style="text-indent: 36pt; line-height: 11.4pt;"><font style="font-family: 'Times New Roman',Times,serif;"> <br>
        </font></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: center; text-indent: 36pt; line-height: 11.4pt;"><font style="font-family: 'Times New Roman',Times,serif;"> <br>
        A-8</font></div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
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    </div>
    <font style="font-weight: bold;">Section 5.9</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Prohibition Against Option Repricing and Purchase of Underwater Options.</font>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Except as provided in Section 8.3 and the definition of &#8220;Exercise Price,&#8221;
      and notwithstanding any other provision of this Plan, neither the Committee nor the Board shall have the right or authority following the grant of an Option pursuant to the Plan to amend or modify the Exercise Price of any such Option, or to cancel
      the Option at a time when the Exercise Price is greater than the Fair Market Value of the Shares in exchange for another Option or Award.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Neither the Company nor any Affiliate may purchase from any Option Holder
      (for cash or otherwise) any Option where the Exercise Price of the Option exceeds the Fair Market Value of the underlying Share (i.e., when the Option is &#8220;underwater&#8221;).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE VI<font style="font-family: 'Times New Roman',Times,serif;"><br>
      </font>RESTRICTED STOCK AWARDS</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 6.1&#160;&#160;&#160;&#160; In General.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Each Restricted Stock Award shall be evidenced by an Award Agreement which
      shall specify:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the number of Shares or Share Units covered by the Restricted Stock Award;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the amount, if any, which the Participant shall be required to pay to the
      Company in consideration for the issuance of such Shares or Share Units;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the date of grant of the Restricted Stock Award;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iv)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the Vesting Date for the Restricted Stock Award; and</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(v)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>as to Restricted Stock Awards awarding Shares, the rights of the
      Participant with respect to dividends, voting rights and other rights and preferences associated with such Shares; and</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">such other terms and conditions not inconsistent with the Plan as the Committee may, in its discretion, prescribe.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>All Restricted Stock Awards consisting of Shares shall be in the form of
      Treasury Shares that shall be registered in the name of the Participant upon the Vesting Date.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Unless otherwise set forth in the Award Agreement, a Restricted Stock
      Award by its terms shall not be transferable by the Participant other than by will or by the laws of descent and distribution, or pursuant to the terms of a Domestic Relations Order; <font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">provided, however,</font> that a Participant may, at any time at or after the grant of a Restricted Stock Award under the Plan, apply to the Committee for approval to transfer all or any portion of such Restricted Stock Award
      which is then unvested to such Participant&#8217;s Family Member.&#160; The Committee may approve or withhold approval of such transfer in its sole and absolute discretion. If such transfer is approved, it shall be effected by written notice to the Company
      given in such form and manner as the Committee may prescribe and actually received by the Company prior to the death of the person giving it. Thereafter, the transferee shall have, with respect to such Restricted Stock Award, all of the rights,
      privileges and obligations which would attach thereunder to the Participant. If a privilege of the Restricted Stock Award depends on the life, Service or other status of the Participant, such privilege of the Restricted Stock Award for the transferee
      shall continue to depend upon the life, Service or other status of the Participant. The Committee shall have full and exclusive authority to interpret and apply the provisions of the Plan to transferees to the extent not specifically addressed
      herein.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 6.2</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Vesting Date.</font></div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>The Vesting Date for each Restricted Stock Award shall be determined by
        the Committee and specified in the Award Agreement.</div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
      <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
      </div>
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-9<br style="line-height: 11.4pt;">
    </div>
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    </div>
    <br>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>Unless otherwise determined by the Committee and specified in the
      Restricted Stock Award Agreement:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if the Participant terminates Service prior to the Vesting Date for any
      reason other than death, Disability or a Change in Control, any unvested Shares shall be forfeited without consideration;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if the Participant terminates Service prior to the Vesting Date on
      account of death or Disability, the Vesting Date shall be accelerated to the date of termination of the Participant&#8217;s Service with the Company; and</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: justify; text-indent: 80pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>if a Change in Control occurs prior to the Vesting Date of a Restricted
      Stock Award that is outstanding on the date of the Change in Control, the Vesting Date shall be accelerated to the earlier of (A) the date of the Participant's Involuntary Termination, if such Involuntary Termination occurs within the twelve-month
      period commencing on the effective date of the Change in Control, or (B) the Vesting Date provided for in Section 6.2(a).</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 6.3</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Dividend Rights.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Unless otherwise set forth in the Award Agreement, no dividends or distributions shall be paid with respect to Shares subject to a Restricted Stock Award, until the Vesting Date
      of each Restricted Stock Award.&#160; Upon the Vesting Date of each Restricted Stock Award, any dividends or distributions declared and paid with respect to Shares subject to a Restricted Stock Award, whether or not in cash, shall be paid to the
      Participant at the same time they are paid to all other shareholders of the Company.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 6.4</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Voting Rights.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Unless otherwise set forth in the Award Agreement, no voting rights will be afforded to the Shares subject to a Restricted Stock Award, until the Vesting Date of each Restricted
      Stock Award.&#160; Upon the Vesting Date of each Restricted Stock Award,&#160; voting rights appurtenant to the Shares subject to the Restricted Stock Award shall be exercised by the Participant.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 6.5</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Designation of Beneficiary.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">A Participant who has received a Restricted Stock Award may designate a Beneficiary to receive any unvested Shares that become vested on the date of the Participant&#8217;s death.&#160;
      Such designation (and any change or revocation of such designation) shall be made in writing in the form and manner prescribed by the Committee.&#160; In the event that the Beneficiary designated by a Participant dies prior to the Participant, or in the
      event that no Beneficiary has been designated,&#160; any vested Shares that become available for distribution on the Participant&#8217;s death shall be paid to the executor or administrator of the Participant&#8217;s estate.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 6.6</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Manner of Distribution of Awards.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Company's obligation to deliver Shares with respect to a Restricted Stock Award shall, if the Committee so requests, be conditioned upon the receipt of a representation as to
      the investment intention of the Participant or Beneficiary to whom such Shares are to be delivered, in such form as the Committee shall determine to be necessary or advisable to comply with the provisions of applicable federal, state or local law. It
      may be provided that any such representation shall become inoperative upon a registration of the Shares or upon the occurrence of any other event eliminating the necessity of such representation. The Company shall not be required to deliver any
      Shares under the Plan prior to (i) the admission of such Shares to listing on any stock exchange or trading on any automated quotation system on which Shares may then be listed or traded, or (ii) the completion of such registration or other
      qualification under any state or federal law, rule or regulation as the Committee shall determine to be necessary or advisable.</div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;">A-10</div>
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    </div>
    <div style="text-align: center;"><font style="font-weight: bold;">ARTICLE VII </font></div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ADDITIONAL TAX PROVISION</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 7.1</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Tax Withholding Rights.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Company shall have the power and the right to deduct or withhold, or require a Person to remit to the Company, an amount sufficient to satisfy Federal, state and local taxes
      (including the Participant&#8217;s FICA obligation) required by law to be withheld with respect to any grant, exercise or payment made under or as a result of the Plan.&#160; In this regard, where any Person is entitled to receive Shares, the Company shall have
      the right to require such Person to pay to the Company or any of its Affiliates the amount of any tax which the Company is required to withhold with respect to such Shares, or, in lieu thereof, to retain, or to sell without notice, a sufficient
      number of Shares to cover the amount required to be withheld.&#160; For purposes of determining the amount required to be withheld, the Company may but is not required to assume that the maximum Federal and state income tax rates will apply to the
      affected Person.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE VIII</div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">AMENDMENT AND TERMINATION</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 8.1</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Termination</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Board may suspend or terminate the Plan in whole or in part at any time prior to the tenth anniversary of the Effective Date by giving written notice of such suspension or
      termination to the Committee.&#160; Unless sooner terminated, the Plan shall terminate automatically on the tenth anniversary of the Effective Date.&#160; In the event of any suspension or termination of the Plan, all Awards previously granted under the Plan
      that are outstanding on the date of such suspension or termination of the Plan shall remain outstanding and exercisable for the period and on the terms and conditions set forth in the Award Agreements evidencing such Awards.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 8.2</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Amendment.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Board may amend or revise the Plan in whole or in part at any time; provided, however, that, except as required to avoid the application of Section 409A or to comply with the
      corporate governance standards imposed under the listing or trading requirements imposed by any national securities exchange or automated quotation system on which the Company lists or seeks to list or trade Shares, no such amendment or revision
      shall be effective if it amends a material term of the Plan unless approved by the holders of a majority of the votes cast on a proposal to approve such amendment or revision.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 8.3</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Adjustments in the Event of Business Reorganization.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In the event any recapitalization, forward or reverse split, reorganization, merger, consolidation, spin-off, combination, exchange of Shares or other securities, stock split,
      stock dividend, special cash dividend or other special and nonrecurring dividend or distribution (whether in the form of cash, securities or other property), liquidation, dissolution, or other similar corporate transaction or event, affects the
      Shares such that an adjustment is appropriate in order to prevent dilution or enlargement of the rights of Participants under the Plan, then the Committee shall, in such manner as it may deem equitable, adjust any or all of:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the number and kind of securities deemed to be available thereafter for
      grants of Awards in the aggregate to all Participants;</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the number and kind of securities that may be delivered or deliverable in
      respect of outstanding Awards; and</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 11.4pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>the Exercise Price of Options.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In addition, the Committee is authorized to make adjustments in the terms and conditions of, and the criteria included in, Awards (including, without limitation, cancellation of
      Awards in exchange for the in-the-money value, if any, of the vested portion thereof, or substitution of Awards using stock of a successor or other entity) in recognition </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"> <br>
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman',Times,serif; text-align: center;">A-11</div>
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    </div>
    <div style="line-height: 11.4pt; text-align: justify;"><br>
      of unusual or nonrecurring events (including, without limitation, events described in the preceding sentence) affecting the Company or any Affiliate or the financial statements of the Company or any Affiliate, or in response to changes in applicable
      laws, regulations, or accounting principles.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">ARTICLE IX<font style="font-family: 'Times New Roman',Times,serif;"><br>
      </font>MISCELLANEOUS</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.1</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Status as an Employee Benefit Plan.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">This Plan is not intended to satisfy the requirements for qualification under Section 401(a) of the Code or to satisfy the definitional requirements for an &#8220;employee benefit
      plan&#8221; under Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended. It is intended to be a non-qualified incentive compensation program that is exempt from the regulatory requirements of the Employee Retirement Income
      Security Act of 1974, as amended. The Plan shall be construed and administered so as to effectuate this intent.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.2</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">No Right to Continued Service.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Neither the establishment of the Plan nor any provisions of the Plan nor any action of the Board or Committee with respect to the Plan shall be held or construed to confer upon
      any Participant any right to a continuation of his or her position as a director, advisory director, director emeritus, or employee of the Company or any Affiliate.&#160; The Company reserves the right to remove any participating member of the Board or
      dismiss any Participant or otherwise deal with any Participant to the same extent as though the Plan had not been adopted.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.3</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Construction of Language.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Whenever appropriate in the Plan, words used in the singular may be read in the plural, words used in the plural may be read in the singular, and words importing the masculine
      gender may be read as referring equally to the feminine or the neuter. Any reference to an Article or Section number shall refer to an Article or Section of this Plan unless otherwise indicated.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.4</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Severability.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">In the event any provision of the Plan shall be held illegal or invalid for any reason, the illegality or invalidity shall not affect the remaining parts of the Plan, and the
      Plan shall be construed and enforced as if the illegal or invalid provision had not been included.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.5</font>&#160;&#160;&#160; <font style="font-weight: bold;">Governing Law.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Plan shall be construed, administered and enforced according to the laws of the State of Delaware without giving effect to the conflict of laws principles thereof.&#160; By
      accepting any Award granted under this Plan, the Participant, and any other person claiming any rights under the Plan, agrees to submit himself or herself, and any such legal action as he or she shall bring under the Plan, to the sole jurisdiction of
      the courts of Delaware for the adjudication and resolution of any such disputes.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.6</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Headings.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The headings of Articles and Sections are included solely for convenience of reference.&#160; If there is any conflict between such headings and the text of the Plan, the text shall
      control.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.7</font>&#160;&#160;&#160; <font style="font-weight: bold;">Non-Alienation of Benefits.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The right to receive a benefit under the Plan shall not be subject in any manner to anticipation, alienation or assignment, nor shall such right be liable for or subject to
      debts, contracts, liabilities, engagements or torts.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">A-12<br style="line-height: 11.4pt;">
    </div>
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    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.8</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Notices.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Any communication required or permitted to be given under the Plan, including any notice, direction, designation, comment, instruction, objection or waiver, shall be in writing
      and shall be deemed to have been given at such time as it is delivered personally or three (3) days after mailing if mailed, postage prepaid, by registered or certified mail, return receipt requested, addressed to such party at the address listed
      below, or at such other address as one such party may by written notice specify to the other party:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>If to the Committee:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="margin-left: 108pt; line-height: 11.4pt;">Provident Financial Holdings, Inc.<font style="font-family: 'Times New Roman',Times,serif;"><br>
      </font>3756 Central Avenue<font style="font-family: 'Times New Roman',Times,serif;"><br>
      </font>Riverside, California 92506<font style="font-family: 'Times New Roman',Times,serif;"><br>
      </font>Attention:&#160; Corporate Secretary</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font>If to a Participant, to such person&#8217;s address as shown in the Company&#8217;s
      records.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.9</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Plan and Awards Not Subject to Section 409A of the Code.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">Notwithstanding anything herein to the contrary, it is intended that neither the Plan nor any Award granted hereunder provide compensation or benefits in the nature of deferred
      compensation subject to Section 409A of the Code. The Plan and all Awards shall be administered, operated and interpreted accordingly. By accepting any Award hereunder, a Participant hereby voluntarily waives any claim against the Company for any
      violation of Section 409A of the Code that occurs in good faith.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.10</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Approval of Shareholders.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">The Plan shall be subject to approval by the Company&#8217;s shareholders within twelve months before or after the date the Board adopts the Plan.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-weight: bold;">Section 9.11</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Clawback.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">All Awards (whether vested or unvested) shall be subject to such clawback (recovery) as may be required to be made pursuant to law, rule, regulation or stock exchange listing
      requirement or any policy of the Company adopted pursuant to any such law, rule, regulation or stock exchange listing requirement.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">* * * * *</div>
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    <div style="text-align: center; line-height: 11.4pt;"><br>
      <div><br>
      </div>
      <div>A-13<br>
      </div>
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        <div style="page-break-after: always;" class="BRPFPageBreak">
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        <div>
          <div><br>
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          <div><br>
          </div>
          <div>&#160;
            <div>
              <div style="widows: 2; text-transform: none; font-style: normal; text-indent: 0pt; display: block; font-family: 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: rgb(0,0,0); margin-left: 0pt; font-size: 13px; font-weight: normal; margin-right: 0pt; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">
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                          <div style="line-height: 13.7pt;">&#160;<img width="231" border="0" height="80" src="image1.jpg"> &#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; </div>
                        </td>
                        <td style="width: 27%;"><font style="font-weight: bold; font-size: 20pt;">&#160;VOTE</font>
                          <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
                          </div>
                        </td>
                        <td style="WIDTH: 46%" colspan="2">&#160;</td>
                      </tr>
                      <tr>
                        <td style="WIDTH: 54%" colspan="2">&#160;</td>
                        <td style="WIDTH: 14%">&#160;</td>
                        <td style="WIDTH: 32%">
                          <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; margin-right: 0pt;">&#160;</div>
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                        <td style="WIDTH: 54%" colspan="2">&#160;</td>
                        <td style="WIDTH: 14%">&#160;</td>
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                          <div style="text-align: left; text-indent: 0pt; margin-left: 0pt; font-size: 8pt; margin-right: 0pt;">&#160;</div>
                        </td>
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                        <td style="width: 54%;" colspan="2">&#160;</td>
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                          <div>
                            <div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"><font style="font-size: 14pt;">Your vote matters - here's how to vote!</font><br>
                            </div>
                            <div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"><font style="font-size: 9pt; font-weight: normal;">You may vote online or by phone instead
                                of mailing this card.</font><br>
                            </div>
                            <div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"> <br>
                            </div>
                          </div>
                          <div><font style="font-weight: bold;">Online</font><br>
                          </div>
                          <div>Go to <font style="font-weight: bold;">www. investorvote.com/prov</font> or scan<br>
                          </div>
                          <div>the QR code - login details are located in </div>
                          <div>the shaded bar below.<br>
                          </div>
                          <div> <br>
                          </div>
                          <div><font style="font-weight: bold;">Phone</font><br>
                          </div>
                          <div>Call toll free 1-800-652-VOTE (8683) within<br>
                          </div>
                          <div>the USA, US territories and Canada<br>
                          </div>
                          <div> <br>
                          </div>
                        </td>
                      </tr>

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                      <tr>
                        <td style="width: 54%; font-size: 8pt;" colspan="2">
                          <div>Using a&#160;<font style="display: inline; font-weight: bold; text-decoration: underline;">black ink</font>&#160;pen, mark your votes with an X as shown in this example.&#160;<font style="display: inline; font-weight: bold;">[X]</font></div>
                          <div>
                            <div style="text-align: left;">Please do not write outside the designated areas.</div>
                            <font style="display: inline; font-weight: bold;">&#160;</font></div>
                        </td>
                        <td style="WIDTH: 46%" colspan="2">
                          <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; font-weight: bold; margin-right: 0pt;"><font style="font-size: 12pt;">Save paper, time and money!<br>
                            </font> </div>
                          <font style="font-size: 12pt;"> </font>
                          <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"><font style="font-size: 12pt;">Sign up for electronic delivery at<br>
                            </font></div>
                          <font style="font-size: 12pt;"> </font>
                          <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"><font style="font-size: 12pt;">www.investorvote.com/prov</font><br>
                          </div>
                        </td>
                      </tr>
                      <tr>
                        <td style="WIDTH: 54%" colspan="2"> <br>
                        </td>
                        <td style="width: 46%; font-size: 8pt;" colspan="2"><br>
                        </td>
                      </tr>
                      <tr>
                        <td style="WIDTH: 54%" colspan="2">&#160;</td>
                        <td style="width: 46%; font-size: 8pt;" colspan="2"><br>
                        </td>
                      </tr>

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                </div>
                <div>
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                      <tr>
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                </div>
                <div>
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                      <tr>
                        <td valign="top" rowspan="1" style="border-bottom: 2px solid black; width: 63%; background-color: rgb(182, 182, 182);">
                          <div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 12pt; font-weight: bold; margin-right: 235.9pt;">2022 Annual Meeting Proxy Card</div>
                        </td>
                      </tr>

                  </table>
                </div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;">IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;">&#160;</div>
                <div style="TEXT-ALIGN: center"> </div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">
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                      <tr>
                        <td style="width: 100%; font-weight: bold; background-color: rgb(219, 219, 219);">A&#160; Proposals &#8212; The Board of Directors recommends a vote&#160;<font style="display: inline; text-decoration: underline;">FOR</font>&#160;all the nominees listed,
                          and&#160;<font style="display: inline; text-decoration: underline;">FOR</font>&#160;Proposals 2, 3 and 4.</td>
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                <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div>
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                          <div>1. Election of Directors:<br>
                          </div>
                          <div> <br>
                          </div>
                        </td>
                        <td style="text-align: center; width: 4%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 8%; font-size: 9pt;">&#160;</td>
                        <td style="width: 21%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 5%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 10%; font-size: 9pt;">&#160;</td>
                        <td style="width: 2%; font-size: 9pt;">&#160;</td>
                        <td style="width: 14%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 8%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 10%; font-size: 9pt;">&#160;</td>
                      </tr>
                      <tr>
                        <td style="width: 18%; font-size: 9pt;"><br>
                        </td>
                        <td style="text-align: center; width: 4%; font-size: 9pt; font-weight: bold;">For</td>
                        <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">Withhold</td>
                        <td style="width: 21%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold;">For</td>
                        <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">Withhold</td>
                        <td style="width: 2%; font-size: 9pt;">&#160;</td>
                        <td style="width: 14%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">For<br>
                        </td>
                        <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">Withhold<br>
                        </td>
                      </tr>
                      <tr>
                        <td style="width: 18%; font-size: 9pt;">&#160;&#160;&#160;&#160; 01 - Bruce W. Bennett<br>
                        </td>
                        <td style="text-align: center; width: 4%; font-size: 9pt; font-weight: bold;">[&#160; ]&#160;</td>
                        <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">&#160;[&#160; ]</td>
                        <td style="text-align: center; width: 21%; font-size: 9pt;">&#160;02 - Debbi H. Guthrie<br>
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                        <td style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold;">&#160;[&#160; ]</td>
                        <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">[&#160; ]&#160;</td>
                        <td style="width: 2%; font-size: 9pt;">&#160;</td>
                        <td style="width: 14%; text-align: center; font-size: 9pt;">&#160;03 - Kathy M. Michalak </td>
                        <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">[&#160; ] </td>
                        <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">[&#160; ] </td>
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                      <tr>
                        <td rowspan="1" style="width: 18%; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4%; font-size: 9pt; font-weight: bold;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 21%; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">&#160;</td>
                        <td rowspan="1" style="width: 2%; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="width: 14%; text-align: center; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">&#160;</td>
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                </div>
                <div style="font-size: 8pt;">&#160;</div>
                <div style="font-size: 8pt;"> <br>
                </div>
                <div style="font-size: 8pt;"> <br>
                </div>
                <div style="font-size: 8pt;"> <br>
                </div>
                <div style="TEXT-ALIGN: center">
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                      <tr>
                        <td style="width: 33%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold;">For</td>
                        <td style="text-align: center; width: 6%; font-size: 9pt; font-weight: bold;">Against</td>
                        <td style="text-align: center; width: 7%; font-size: 9pt; font-weight: bold;">Abstain</td>
                        <td style="width: 28.54%; font-size: 9pt;">&#160;</td>
                        <td style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold;">For</td>
                        <td style="text-align: center; width: 4.19%; font-size: 9pt; font-weight: bold;">Against</td>
                        <td style="text-align: center; width: 5.24%; font-size: 9pt; font-weight: bold;">Abstain</td>
                        <td style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold;"><br>
                        </td>
                      </tr>
                      <tr>
                        <td style="width: 33%; font-size: 9pt;">
                          <div>2. Advisory approval of the compensation of our named executive<br>
                          </div>
                          <div>&#160;&#160;&#160; officers as disclosed in the Proxy Statement.<br>
                          </div>
                        </td>
                        <td style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;[&#160; ]</td>
                        <td style="text-align: center; width: 6%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;[&#160; ]</td>
                        <td style="text-align: center; width: 7%; font-size: 9pt; font-weight: bold; vertical-align: top;">[&#160; ]&#160;</td>
                        <td style="width: 28.54%; font-size: 9pt; text-align: left; vertical-align: top;">
                          <div>3. Adoption of the Provident Financial Holdings, Inc. 2022 Equity Incentive Plan<br>
                          </div>
                        </td>
                        <td style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold; vertical-align: top;">[&#160; ]&#160;</td>
                        <td style="text-align: center; width: 4.19%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;[&#160; ]&#160;</td>
                        <td style="text-align: center; width: 5.24%; font-size: 9pt; font-weight: bold; vertical-align: top;">[&#160; ]&#160;</td>
                        <td style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold;">&#160;</td>
                      </tr>
                      <tr>
                        <td rowspan="1" style="width: 33%; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 6%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 7%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="width: 28.54%; font-size: 9pt; text-align: left; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.19%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 5.24%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold;">&#160;</td>
                      </tr>
                      <tr>
                        <td rowspan="1" style="width: 33%; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold; vertical-align: top;"><br>
                        </td>
                        <td rowspan="1" style="text-align: center; width: 6%; font-size: 9pt; font-weight: bold; vertical-align: top;"><br>
                        </td>
                        <td rowspan="1" style="text-align: center; width: 7%; font-size: 9pt; font-weight: bold; vertical-align: top;"><br>
                        </td>
                        <td rowspan="1" style="width: 28.54%; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.19%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 5.24%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold;">&#160;</td>
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                      <tr>
                        <td rowspan="1" style="width: 33%; font-size: 9pt;">
                          <div>4. Ratification of the appointment of Deloitte &amp; Touche, LLP as the independent registered public accounting firm for Provident Financial Holdings, Inc. for the fiscal year ending June 30, 2023. </div>
                        </td>
                        <td rowspan="1" style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;[&#160; ] <br>
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                        <td rowspan="1" style="text-align: center; width: 6%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;[&#160; ] <br>
                        </td>
                        <td rowspan="1" style="text-align: center; width: 7%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;[&#160; ] <br>
                        </td>
                        <td rowspan="1" style="width: 28.54%; font-size: 9pt;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.19%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 5.24%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                        <td rowspan="1" style="text-align: center; width: 4.04%; font-size: 9pt; font-weight: bold;">&#160;</td>
                      </tr>

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                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"> <br>
                </div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"> <br>
                </div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;"> <br>
                </div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;">
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                          <div><font style="font-weight: bold; font-size: 9pt;">B&#160; Authorized Signatures &#8212; This section must be completed for your vote to be counted. &#8212; Date and Sign Below</font> <br>
                          </div>
                        </td>
                      </tr>

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                <font style="font-weight: bold; font-size: 9pt;"> </font>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 9pt; margin-right: 0pt;">Please sign exactly as your name appears on the enclosed card. When signing as attorney, executor, administrator, trustee or guardian,
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                <font style="font-size: 9pt;">&#160;</font>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt; font-size: 9pt;">&#160;</div>
                <div style="TEXT-ALIGN: center">
                  <table cellspacing="0" cellpadding="0" bgcolor="white" style="WIDTH: 100%; FONT-FAMILY: 'times new roman'; FONT-SIZE: 10pt">

                      <tr>
                        <td style="width: 31%; font-size: 9pt;" colspan="3">Date (mm/dd/yyyy) &#8212; Please print date below.</td>
                        <td style="width: 4%;">&#160;</td>
                        <td style="width: 30%; font-size: 9pt;">Signature 1 &#8212; Please keep signature within the box.</td>
                        <td style="width: 3%;">&#160;</td>
                        <td style="width: 32%; font-size: 9pt;">Signature 2 &#8212; Please keep signature within the box.</td>
                      </tr>
                      <tr>
                        <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">&#160;</td>
                        <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">&#160;</td>
                        <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">
                          <div style="font-size: 8pt;">&#160; <br>
                          </div>
                          <div style="font-size: 8pt;"> <br>
                          </div>
                        </td>
                        <td style="WIDTH: 4%">&#160;</td>
                        <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">
                          <div>&#160;</div>
                          <div> <br>
                          </div>
                        </td>
                        <td style="WIDTH: 3%">&#160;</td>
                        <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">&#160;</td>
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                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; margin-right: 0pt;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; margin-right: 0pt;"><br>
                  &#160;</div>
                <div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" class="BRPFPageBreakArea">
                  <div style="PAGE-BREAK-AFTER: always" class="BRPFPageBreak">
                    <hr noshade="noshade" style="BORDER-RIGHT-WIDTH: 0px; BACKGROUND-COLOR: #000000; MARGIN: 4px 0px; WIDTH: 100%; BORDER-TOP-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; HEIGHT: 2px; COLOR: #000000; CLEAR: both; BORDER-LEFT-WIDTH: 0px"> </div>
                </div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> <br>
                </div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><br>
                  <div><br>
                  </div>
                  <div><br>
                  </div>
                  <font style="font-size: 10pt;"><br>
                  </font></div>
                <font style="font-size: 10pt;"> </font>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"><font style="font-size: 10pt;"> The 2022 Annual Meeting of Shareholders of Provident Financial Holdings, Inc. will be
                    held on<br>
                  </font> </div>
                <font style="font-size: 10pt;"> </font>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"><font style="font-size: 10pt;">Tuesday, November 29, 2022, 11:00 A.M. Pacific Time, virtually via the internet at
                    https://meetnow.global/MVVYCLN<br>
                  </font> </div>
                <font style="font-size: 10pt;"> </font>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"> <font style="font-size: 10pt;"><br>
                  </font> </div>
                <font style="font-size: 10pt;"> </font>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-weight: bold; margin-right: 0pt; font-size: 10pt;">To access the virtual meeting, you&#160; must have the information that is printed in the shaded bar </div>
                <font style="font-size: 10pt;"> </font>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"><font style="font-size: 10pt;">located on the reverse side of this form.<br>
                  </font> </div>
                <font style="font-size: 10pt;"> </font>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"> <font style="font-size: 10pt;"><br>
                  </font> </div>
                <font style="font-size: 10pt;"> </font>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"> <font style="font-size: 10pt;"><br>
                  </font> </div>
                <font style="font-size: 10pt;"> </font>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-weight: bold; margin-right: 0pt; font-size: 10pt;"><br>
                  Annual Meeting Materials are available</div>
                <font style="font-size: 10pt;"> </font>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="font-size: 10pt;"> </font>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;">at:&#160;<font style="DISPLAY: inline; TEXT-DECORATION: underline">http://www.edocumentview.com/PROV</font></div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;"><font style="DISPLAY: inline; TEXT-DECORATION: underline"> <br>
                    </font></div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;"><br>
                    <div>
                      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;">

                          <tr>
                            <td style="width: 15%;">
                              <div>&#160;</div>
                            </td>
                            <td style="width: 70%;">
                              <div style="text-align: center;"><font style="font-weight: bold;">Small steps make an impact</font><br>
                              </div>
                              <div> <br>
                              </div>
                              <div style="text-align: center;">Help the environment by consenting to receive electronic<br>
                              </div>
                              <div style="text-align: center;">delivery, sign up at www.investorvote.com/prov<br>
                              </div>
                            </td>
                            <td style="width: 15%;">
                              <div>&#160;</div>
                            </td>
                          </tr>

                      </table>
                    </div>
                    &#160;</div>
                </div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.</div>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">&#160;</div>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
                  <table cellspacing="0" cellpadding="0" border="0" id="z07ee0777745c44438bf70e4f584502f2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;">

                      <tr>
                        <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 100%; background-color: rgb(182, 182, 182);"> <font style="display: inline; font-size: 12pt; font-weight: bold;">REVOCABLE PROXY &#8212;
                            PROVIDENT FINANCIAL HOLDINGS, INC.</font> </td>
                      </tr>

                  </table>
                </div>
                <div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"> </div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">
                  <div><br>
                  </div>
                  2022 ANNUAL MEETING OF SHAREHOLDERS</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">November 29, 2022</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">11:00 a.m.</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: normal; margin-right: 0pt; text-align: justify;">The undersigned hereby appoints the Board of Directors of Provident Financial Holdings, Inc.
                  (&#8220;Provident&#8221;) with full powers of substitution to act as attorneys and proxies for the undersigned, to vote all shares of Provident common stock which the undersigned is entitled to vote at the Annual Meeting of Shareholders, to be held
                  on Tuesday, November 29, 2022, at 11:00 a.m., Pacific Time, and at any and all adjournments thereof, as follows:</div>
                <div style="text-indent: 0pt; display: block; margin-left: 27pt; margin-right: 25.2pt;">&#160;</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">The Board of Directors recommends a vote FOR&#160;all propositions.</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: normal; margin-right: 0pt; text-align: justify;">This proxy also provides voting instructions to the Trustees of the Provident Savings Bank,
                  F.S.B. Employee Stock Ownership Plan for participants with shares allocated to their accounts.</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt; text-align: justify;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt; text-align: justify;">This proxy will be voted as directed, but if no instructions are specified, this proxy will be
                  voted FOR the election of the nominees listed in Proposal 1, and FOR Proposals 2, 3 and 4. If any other business is presented at such meeting, this proxy will be voted by the Board of Directors in its best judgment. At the present time,
                  the Board of Directors knows of no other business to be presented at the annual meeting. This proxy also confers discretionary authority on the Board of Directors to vote with respect to the election of any person as director where the
                  nominees are unable to serve or for good cause will not serve and matters incident to the conduct of the annual meeting.</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt; text-align: justify;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: normal; margin-right: 0pt; text-align: justify;">Should the above-signed be present and elect to vote at the virtual annual meeting or at any
                  adjournment thereof and after notification to the Secretary of Provident at the annual meeting of the shareholder's decision to terminate this proxy, then the power of said attorneys and proxies shall be deemed terminated and of no
                  further force and effect.</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt; text-align: justify;">&#160;</div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: normal; margin-right: 0pt; text-align: justify;">The above-signed acknowledges receipt from Provident prior to the execution of this proxy of the
                  Notice of Annual Meeting of Shareholders, a Proxy Statement dated October 27, 2022, and the 2022 Annual Report to Shareholders.</div>
                <div style="text-indent: 0pt; display: block; margin-left: 27pt; font-size: 10pt; margin-right: 25.2pt;">
                  <div style="font-family: 'Times New Roman', Times, serif;">&#160;</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-weight: bold;">PLEASE PROVIDE YOUR INSTRUCTIONS TO VOTE BY TELEPHONE OR THE INTERNET OR</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-weight: bold;">COMPLETE, DATE, SIGN, AND MAIL THIS PROXY CARD PROMPTLY</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-weight: bold;">IN THE ENCLOSED POSTAGE-PAID ENVELOPE.</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
                  </div>
                  <div style="text-align: center; font-style: italic; font-family: 'Times New Roman', Times, serif;">(Continued, and to be marked, dated and signed, on the other side)</div>
                </div>
                <div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
                <div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
                  <div style="text-align: justify; text-indent: 0pt; display: block; font-family: 'times new roman'; margin-left: 0pt; font-weight: bold; margin-right: 0pt; font-style: normal;">
                    <table cellspacing="0" cellpadding="0" border="0" id="zb2a6dde7f1f64f89868670dac42af960" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;">

                        <tr>
                          <td style="width: 100%; background-color: rgb(219, 219, 219); font-weight: bold;">C&#160; Non-Voting Items</td>
                        </tr>

                    </table>
                  </div>
                  <div style="text-align: justify; text-indent: 0pt; display: block; font-family: 'times new roman'; margin-left: 0pt; font-weight: bold; margin-right: 0pt; font-style: normal;"><br>
                  </div>
                  <div>
                    <table cellspacing="0" cellpadding="0" border="0" style="background-color: #FFFFFF; width: 100%; font-family: 'times new roman'; font-size: 10pt;">

                        <tr>
                          <td style="font-size: 8pt;" colspan="2"><font style="display: inline; font-size: 9pt; font-weight: bold;">Change of Address&#160;</font><font style="display: inline; font-size: 9pt;">&#8212; Please print new address below.</font></td>
                          <td style="width: 48%; font-size: 8pt;"><font style="display: inline; font-size: 9pt; font-weight: bold;">Comments&#160;</font><font style="display: inline; font-size: 9pt;">&#8212; Please print your comments below.</font></td>
                        </tr>
                        <tr>
                          <td style="border-width: 2px; border-style: solid; border-color: black; width: 47px;">
                            <div>&#160;</div>
                            <div> <br>
                            </div>
                          </td>
                          <td style="width: 5%;">&#160;</td>
                          <td style="border-width: 2px; border-style: solid; border-color: black; width: 48%;">&#160;</td>
                        </tr>

                    </table>
                  </div>
                  <div style="TEXT-INDENT: 0pt; DISPLAY: block; FONT-FAMILY: 'times new roman'; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&#160;</div>
                </div>
                <div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" class="BRPFPageBreakArea">
                  <div style="PAGE-BREAK-AFTER: always" class="BRPFPageBreak">
                    <hr noshade="noshade" style="BORDER-RIGHT-WIDTH: 0px; BACKGROUND-COLOR: #000000; MARGIN: 4px 0px; WIDTH: 100%; BORDER-TOP-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; HEIGHT: 2px; COLOR: #000000; CLEAR: both; BORDER-LEFT-WIDTH: 0px"> </div>
                </div>
                <div style="TEXT-ALIGN: center">&#160;
                  <div style="widows: 2; text-transform: none; font-style: normal; text-indent: 0pt; display: block; white-space: normal; orphans: 2; letter-spacing: normal; color: rgb(0,0,0); margin-left: 0pt; font-weight: normal; margin-right: 0pt; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</div>
                  <div style="TEXT-ALIGN: left">
                    <table cellspacing="0" cellpadding="0" bgcolor="white" style="WIDTH: 100%; FONT-FAMILY: 'times new roman'; FONT-SIZE: 10pt">

                        <tr>
                          <td style="width: 27%;"><img width="231" border="0" height="80" src="image1.jpg">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                            <div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; margin-right: 0pt;">&#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; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;
                              &#160; &#160; &#160; &#160; </div>
                          </td>
                          <td style="width: 27%; font-size: 20pt; font-weight: bold;">VOTE</td>
                          <td style="WIDTH: 46%" colspan="2">&#160;</td>
                        </tr>
                        <tr>
                          <td style="WIDTH: 54%" colspan="2">&#160;</td>
                          <td style="WIDTH: 14%">&#160;</td>
                          <td style="WIDTH: 32%">
                            <div style="text-align: left; text-indent: 0pt; margin-left: 0pt; font-size: 8pt; margin-right: 0pt;">&#160;</div>
                          </td>
                        </tr>
                        <tr>
                          <td style="width: 54%;" colspan="2">
                            <div>&#160;</div>
                            <div> <br>
                            </div>
                            <div> <br>
                            </div>
                            <div> <br>
                            </div>
                            <div> <br>
                            </div>
                            <div> <br>
                            </div>
                          </td>
                          <td valign="top" style="width: 46%;" colspan="2"><br>
                            <div> <br>
                            </div>
                          </td>
                        </tr>

                    </table>
                    <table cellspacing="0" cellpadding="0" bgcolor="white" style="WIDTH: 100%; FONT-FAMILY: 'times new roman'; FONT-SIZE: 10pt">

                        <tr>
                          <td style="width: 54%; font-size: 8pt;" colspan="2">
                            <div>Using a&#160;<font style="display: inline; font-weight: bold; text-decoration: underline;">black ink</font>&#160;pen, mark your votes with an X as shown in this example.&#160;<font style="display: inline; font-weight: bold;">[X]</font></div>
                            <div>
                              <div style="text-align: left;">Please do not write outside the designated areas.</div>
                            </div>
                          </td>
                          <td style="WIDTH: 46%" colspan="2"><br>
                          </td>
                        </tr>
                        <tr>
                          <td style="WIDTH: 54%" colspan="2">&#160;</td>
                          <td style="width: 46%; font-size: 8pt;" colspan="2"><br>
                          </td>
                        </tr>

                    </table>
                  </div>
                  <div>
                    <table cellspacing="0" cellpadding="0" style="WIDTH: 100%; FONT-FAMILY: 'times new roman'; FONT-SIZE: 10pt">

                        <tr>
                          <td valign="top" style="BORDER-BOTTOM: black 2px double; WIDTH: 94%">&#160;</td>
                        </tr>

                    </table>
                  </div>
                  <div>
                    <table cellspacing="0" cellpadding="0" style="WIDTH: 100%; FONT-FAMILY: 'times new roman'; FONT-SIZE: 10pt">

                        <tr>
                          <td valign="top" rowspan="1" style="border-bottom: 2px solid black; width: 63%; background-color: rgb(182, 182, 182);">
                            <div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 12pt; font-weight: bold; margin-right: 235.9pt;">2022 Annual Meeting Proxy Card</div>
                          </td>
                        </tr>

                    </table>
                  </div>
                  <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;">IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.</div>
                  <div style="text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;">&#160;</div>
                  <div>
                    <div>
                      <table cellspacing="0" cellpadding="0" border="0" id="z65d8b42a311a4d2691483050547c345e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;">

                          <tr>
                            <td style="width: 100%; font-weight: bold; background-color: rgb(219, 219, 219);">A &#8212; Proposals &#8212; The Board of Directors recommends a vote&#160;<font style="display: inline; text-decoration: underline;">FOR</font>&#160;all the nominees
                              listed, and&#160;<font style="display: inline; text-decoration: underline;">FOR</font>&#160;Proposals 2, 3 and 4.</td>
                          </tr>

                      </table>
                    </div>
                  </div>
                  <div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">&#160;</div>
                  <div>
                    <table cellspacing="0" cellpadding="0" bgcolor="white" style="WIDTH: 100%; FONT-FAMILY: 'times new roman'; FONT-SIZE: 10pt">

                        <tr>
                          <td style="width: 18%; font-size: 9pt;">
                            <div>1. Election of Directors: <br>
                            </div>
                          </td>
                          <td style="text-align: center; width: 4%; font-size: 9pt;">&#160;</td>
                          <td style="text-align: center; width: 8%; font-size: 9pt;">&#160;</td>
                          <td style="width: 21%; font-size: 9pt;">&#160;</td>
                          <td style="text-align: center; width: 5%; font-size: 9pt;">&#160;</td>
                          <td style="text-align: center; width: 10%; font-size: 9pt;">&#160;</td>
                          <td style="width: 2%; font-size: 9pt;">&#160;</td>
                          <td style="width: 14%; font-size: 9pt;">&#160;</td>
                          <td style="text-align: center; width: 8%; font-size: 9pt;">&#160;</td>
                          <td style="text-align: center; width: 10%; font-size: 9pt;">&#160;</td>
                        </tr>
                        <tr>
                          <td style="width: 18%; font-size: 9pt;"><br>
                          </td>
                          <td style="text-align: center; width: 4%; font-size: 9pt; font-weight: bold;">For</td>
                          <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">Withhold</td>
                          <td style="width: 21%; font-size: 9pt;">&#160;</td>
                          <td style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold;">For</td>
                          <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">Withhold</td>
                          <td style="width: 2%; font-size: 9pt;">&#160;</td>
                          <td style="width: 14%; font-size: 9pt;"><br>
                          </td>
                          <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">For </td>
                          <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">Withhold </td>
                        </tr>
                        <tr>
                          <td style="width: 18%; font-size: 9pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 01 - Bruce W. Bennett<br>
                          </td>
                          <td style="text-align: center; width: 4%; font-size: 9pt; font-weight: bold;">[&#160; ]&#160;</td>
                          <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">&#160;[&#160; ]</td>
                          <td style="text-align: center; width: 21%; font-size: 9pt;">&#160;02 - Debbi H. Guthrie<br>
                          </td>
                          <td style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold;">&#160;[&#160; ]</td>
                          <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">[&#160; ]&#160;</td>
                          <td style="width: 2%; font-size: 9pt;">&#160;</td>
                          <td style="width: 14%; text-align: center; font-size: 9pt;">&#160;03 - Kathy M. Michalak </td>
                          <td style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">&#160;[&#160; ] </td>
                          <td style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">&#160;[&#160; ] </td>
                        </tr>
                        <tr>
                          <td rowspan="1" style="width: 18%; font-size: 9pt;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 4%; font-size: 9pt; font-weight: bold;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 21%; font-size: 9pt;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 5%; font-size: 9pt; font-weight: bold;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">&#160;</td>
                          <td rowspan="1" style="width: 2%; font-size: 9pt;">&#160;</td>
                          <td rowspan="1" style="width: 14%; text-align: center; font-size: 9pt;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 8%; font-size: 9pt; font-weight: bold;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 10%; font-size: 9pt; font-weight: bold;">&#160;</td>
                        </tr>

                    </table>
                  </div>
                  <div style="font-size: 8pt;">&#160;</div>
                  <div style="font-size: 8pt;"> <br>
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                          <td rowspan="1" style="text-align: center; width: 6%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
                          <td rowspan="1" style="text-align: center; width: 7%; font-size: 9pt; font-weight: bold; vertical-align: top;">&#160;</td>
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                            <div>4. Ratification of the appointment of Deloitte &amp; Touche, LLP as the independent registered public accounting firm for Provident Financial Holdings, Inc. for the fiscal year ending June 30, 2022.</div>
                            &#160;</td>
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                  <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 8pt; font-weight: bold; margin-right: 0pt;">
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                            <div><font style="font-weight: bold;">B &#8212; Authorized Signatures &#8212; This section must be completed for your vote to be counted. &#8212; Date and Sign Below</font> <br>
                            </div>
                          </td>
                        </tr>

                    </table>
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                  <div style="text-align: left; font-size: 10pt;"><font style="font-weight: bold;"> </font></div>
                  <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 9pt; margin-right: 0pt;">Please sign exactly as your name appears on the enclosed card. When signing as attorney, executor, administrator,
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                  <font style="font-size: 9pt;">&#160;</font>
                  <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt; font-size: 9pt;">&#160;</div>
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                        <tr>
                          <td style="width: 31%; font-size: 9pt;" colspan="3">Date (mm/dd/yyyy) &#8212; Please print date below.</td>
                          <td style="width: 4%;">&#160;</td>
                          <td style="width: 30%; font-size: 9pt;">Signature 1 &#8212; Please keep signature within the box.</td>
                          <td style="width: 3%;">&#160;</td>
                          <td style="width: 32%; font-size: 9pt;">Signature 2 &#8212; Please keep signature within the box.</td>
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                            <div>&#160;</div>
                            <div> <br>
                            </div>
                          </td>
                          <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">&#160;</td>
                          <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">
                            <div style="font-size: 8pt;">&#160;</div>
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                          <td style="WIDTH: 4%">&#160;</td>
                          <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">
                            <div>&#160;</div>
                            <div> <br>
                            </div>
                          </td>
                          <td style="WIDTH: 3%">&#160;</td>
                          <td style="BORDER-BOTTOM: black 2px solid; BORDER-LEFT: black 2px solid; BORDER-TOP: black 2px solid; BORDER-RIGHT: black 2px solid">&#160;</td>
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                  <br>
                  &#160;</div>
                <div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
                  <div style="TEXT-ALIGN: center"> <br>
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                  <div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" class="BRPFPageBreakArea">
                    <div style="PAGE-BREAK-AFTER: always" class="BRPFPageBreak">
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                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold"> <br>
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                  <div style="TEXT-ALIGN: center; FONT-WEIGHT: bold">Annual Meeting Materials are available</div>
                </div>
                <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;">at:&#160;<font style="DISPLAY: inline; TEXT-DECORATION: underline">http://www.edocumentview.com/PROV</font></div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;">&#160;</div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;"> <br>
                  </div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;"> <br>
                  </div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;"> <br>
                  </div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;"> <br>
                  </div>
                  <div style="text-align: center; font-size: 10pt; font-weight: bold;"> <br>
                  </div>
                  <div style="TEXT-ALIGN: center">
                    <div style="font-size: 10pt; font-weight: bold;">IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.</div>
                    <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div>
                    <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">
                      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;">

                          <tr>
                            <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 100%; background-color: rgb(182, 182, 182);"> <font style="display: inline; font-size: 12pt; font-weight: bold;">REVOCABLE PROXY &#8212;
                                PROVIDENT FINANCIAL HOLDINGS, INC.</font> </td>
                          </tr>

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                    <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div>
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                      <div><font style="font-weight: bold;">2022 ANNUAL MEETING OF SHAREHOLDERS </font></div>
                    </div>
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                </div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">November 29, 2022</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">11:00 a.m.</div>
                <div style="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS</div>
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                  <div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The undersigned hereby appoints the Board of Directors of Provident Financial Holdings, Inc. ("Provident") with full powers of substitution to
                    act as attorneys and proxies for the undersigned, to vote all shares of Provident common stock which the undersigned is entitled to vote at the Annual Meeting of Shareholders, to be held on Tuesday, November 29, 2022, at 11:00 a.m.,
                    Pacific Time, and at any and all adjournments thereof, as follows:</div>
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                  <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">The Board of Directors recommends a vote FOR all propositions.</div>
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                  <div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">This proxy also provides voting instructions to the Trustees of the Provident Savings Bank, F.S.B. Employee Stock Ownership Plan for
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                  <div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">This proxy will be voted as directed, but if no instructions are specified, this proxy will be voted FOR the election of
                    the nominees listed in Proposal 1, and FOR Proposals 2, 3 and 4. If any other business is presented at such meeting, this proxy will be voted by the Board of Directors in its best judgment. At the present time, the Board of Directors
                    knows of no other business to be presented at the annual meeting. This proxy also confers discretionary authority on the Board of Directors to vote with respect to the election of any person as director where the nominees are unable to
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                  <div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
                  <div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Should the above-signed be present and elect to vote at the virtual annual meeting or at any adjournment thereof and after notification to the
                    Secretary of Provident at the annual meeting of the shareholder's decision to terminate this proxy, then the power of said attorneys and proxies shall be deemed terminated and of no further force and effect.</div>
                  <div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The above-signed acknowledges receipt from Provident prior to the execution of this proxy of the Notice of Annual Meeting of Shareholders, a
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                  <div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
                  <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">PLEASE COMPLETE, DATE, SIGN, AND MAIL THIS PROXY CARD PROMPTLY</div>
                  <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">IN THE ENCLOSED POSTAGE-PAID ENVELOPE.</div>
                  <div style="font-style: italic; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Continued, and to be marked, dated and signed, on the other side)</div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
